Date Received: 2021-02-05
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: I had a debt collector call me after XXXX who would not identify what organization he worked for unless I gave him my date of birth and social security information. Then when I said I would call USAA to verify the information - he insisted that he was hired to get the info from me, so it wouldnt do me any good to do that. I let him know that I do not give out my personal information to a company that I can not verify and I have that right to do so.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 990XX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My name is XXXX, I have a wife of 13 years and XXXX school age children, we have XXXX dogs and a XXXX. Im a XXXX XXXX XXXXXXXX XXXX vet from 3 tours between XXXX and XXXX as ground forces. My wife works full time for the XXXX I am a full time ( 60 hr ) XXXX XXXX I draw my full military retirement I dont pay for medical insurance for my family, due to my retirement We have 3 incomes and XXXX kids, but we cant buy a house. Why? Because investors and bankers are inflating the market beyond reason. In closing Ill ask this. If we cant afford a home, then who can? Dont let investors set us back another 10 years like they did in 2007. Respectfully XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85226
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I checked my credit report, when purchasing a vehicle. checked to find I was a victim of I.D . theft I filed a report. With F.T.C. and local police. And sent all to C.R.A. and usaa credit card account still remains in my report. I tried to get it fixed, but was denied due to it already investigated. after some time I was told by XXXX, XXXX and XXXX credit reporting agencies Fraud department that USAA reported to them that they had proof that I opened the account. Account Info Hover over labels for more details Account number XXXX account status Closed Date XX/XX/2020 opened XXXX Account type Credit Card - Revolving Terms. I have never opened an account with them. I need this resolved and removed from my name
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 916XX
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My Credit card from USAA # XXXX WAS STOLEN IN XXXX of 2020 and used with out my permission for the sum of {$1700.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89012
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have been submitting numerous practices at Banks that do not protect consumers. Over XXXX was moved from my XXXX now XXXX account in XX/XX/2018. I reported to local and state police, FBI, FTC, IRS, DEA DHSSS banks and XXXX. No one calls me back because no one investigates for consumers. XXXX blames bank, bank blames XXXX or records, local police cite jurisdiction, attorney general or consumer protection say call police. Town where bank is tells me to call police in town I love, state police say call cyber unit who tells you to call local police. Its horrible. Only banks are protected. USAA reported to me coincidentally on XXXX XXXX that XXXX} was attempted to be withdrawn from this individual account and sent to XXXX but the funds were not available. Coincidentally I received a call from XXXX about the XXXX XXXX theft sent to XXXX and they shared they have no record of an attempt to withdraw XXXX from USAA account. That means its a fraudulent XXXX and I still suspect it was the same criminal from XXXX Who investgates ... ... no one. I have no XXXX auto withdraw but if funds were there it would have been taken. Banks are not protecting us.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by USAA Federal Savings Bank. USAA Federal Savings Bank has knowingly and willfully violated the Truth in Lending Act. Truth and Leading TILA The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I am a Consumer and Veteran who has fought for this Country and USAA Federal Savings Bank would rather use misleading information and deceptive forms to collect on an alleged debt that has been paid for through a consumer credit transaction. This is unauthorized use of my credit card 15 USC 1602 ( p ). Please see attached
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by USAA Federal Savings Bank. USAA Federal Savings Bank has knowingly and willfully violated the Truth in Lending Act. Truth and Leading TILA The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I am a Consumer and Veteran who has fought for this Country and USAA Federal Savings Bank would rather use misleading information and deceptive forms to collect on an alleged debt that has been paid for through a consumer credit transaction. This is unauthorized use of my credit card 15 USC 1602 ( p ). Please see attached
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I am a XXXX veteran and I applied for a VA refinance loan with USAA XXXX on XX/XX/XXXX. I was told due to the pandemic it would take about 90 days to close and I wouldn't need to provide anything to the bank except proof of home owners insurance. Due to the refinance and the request of the lender to provide insurance, I decided to get different quotes to compare the cost, coverage and service. I called around and got quotes from multiple carriers including usaa 's insurance department. I had not made a decision on which policy I was going to take for the new loan or if I even really wanted to do the loan because I was not sure if it was the best financial decision for my family and at this point in time USAA did not provide me with documents with actual numbers ; according to the loan officer they had to wait until 3 days prior to the XX/XX/XXXX tentative date to provide me documents in writing to see what was being included in the loan. To my surprise on XX/XX/XXXX USAA went ahead and paid {$2500.00} USAAs ' homeowners policy which was only suppose to be a quote from my escrow account leaving it in a negative balance in excess of XXXX XXXX dollars. I immediately alerted the bank whom is also the loan servicer and XXXXUSAA said there was an error they paid and funded the new escrow account for the possible new loan insurance from my current loan account and agreed to refund the money. I reached out to them again for the XXXX or XXXX time on XX/XX/XXXX for the status of the refund to ensure my escrow account would have sufficient funds for future insurance and tax payments. I was again greeted with another shocker. USSA issued another check to themself from the negative account making to more negative and the first check that was issued to them # XXXX on XX/XX/XXXX was cashed by the bank USAA. USAA another check to themself from the negative account in the amount of {$2500.00}. This payment was made to themselves before they paid my currently owed taxes. My escrow account is still incorrect and there seems to be no remedy to this issue at the bank level, bank insurance level or with the bank servicer. Now the bank is punishing me because I decided that the refinance was not a good fit for me, however since I expressed my concern with the insurance policy being issued without my permission and I change my mind about the loan my access to my loan online has been revoked. Im more concerned because this is the second year in which the bank has performed non approved transactions on my escrow account. Even with specific instruction from me not to fund insurance transactions from USAA insurance to the servicer ( XXXX/USAA ) the bank seems to process and take funding from my escrow. I have no resolution in sight if I continue without reporting this activity. Apparently many other veterans are being taken advantage of by this according to the company 's representatives in customer service at XXXX. They have expressed this to me and I am concerned that I am being victimized by this bank. I believe my mortgage loan was also a high cost and I was taken advantage of by this lender so there is an incentive for them to have me refinance to cover up whatever they may have done when my loan was originally completed. PLEASE PLEASE PLEASE look into this. USAA may be misappropriating millions from veterans, XXXX XXXX, and all their family.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: on XX/XX/2021 USAA submitted a " remark '' to the three credit agencies which caused my FICO score which averages over 800 to drop almost 100 on each agency. I contacted one agency and they were unable to tell me what the remark was and to contact USAA. I did and spoke top 3 depts including the " executive resolution '' dept and none could or would tell me what the " remark '' that obviously was derogatory was. This has to say the least done significant damage to my credit status.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 35806
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: During my last communication with USAA, I was told that I was no longer able to communicate with USAA. That is until my profile has been recovered. I have filed reports with law enforcement involving identity theft and fraudulent use of my USAA Visa Card # XXXX XXXX XXXX XXXX in my name. These reports are with the Federal Trade Commission FTC Report # XXXX for identity theft and the Consumer Finance Protection Bureau CFPB Report # XXXX for fraud. Both law enforcement organizations stated that they would send these reports directly to USAA. In trying to communicate with USAA to confirm this, I have been unable to confirm that this has been done. I, however, can confirm that I have sent both of these reports to USAA via fax and US mail with tracking information received by USAA. As the reports contained not only the details of the {$59000.00} which has been fraudulently charged using my USAA Visa card without my consent, permission, or authorization to do so. These reports contain not only all of the fraudulent transactions but also the USAA Visa card #, my name, and account information. I have yet to date been unable to confirm that USAA has transferred any of this information to my USAA Visa account # XXXX XXXX XXXX XXXX thereby to deal appropriately with said information. I was told to send to USAA also a copy of my drivers license, front and back, along with the other information herein. My USAA # is XXXX ; my SSN is XXXX ; my DOB is XX/XX/XXXX. The additional information requested is attached. I can confirm that USAA has now indeed received the CFPB Report # XXXX for fraud because USAA has responded to it. This USAA response is both greatly troubling and gravely concerning. Every single allegation made by USAA in their response is false : 1. All of the charges were disputed at one time, single instance. There were not multiple fraud claims alleged as USAA has falsely stated. 2. I beg to differ that the merchants provided any information showing that I authorized, consented, or gave permission to those fraudulent charges to occur. That applies to myself or anyone else. Please provide any such evidence you have of this information. 3. I did not authorize myself nor anyone else to make these fraudulent charges. I did not say that. USAA is purposefully and deliberately lying. 4. Again, I beg to differ that any signed contracts or agreements were made by myself or anyone else for my account. These are more lies by USAA. Please provide any evidence of these statements to me. 5. I most certainly did not acknowledge that the information was valid and did not accept liability for the charges. Again USAA has purposefully and deliberately lied and made false statements for this and every other allegation they made. 6. These are fraudulent charges on my USAA account which need to be removed. End of story. 7. USAA has made outlandish and contradicting statements about myself in that I have both filed a claim for fraudulent transactions on my USAA visa card and then simultaneously albeit in a different phone call or different representative apparently also claiming that the charges are not fraudulent, I stated the charges were valid, accepted liability for the charges, and authorized all of the fraudulent charges through signed contracts and agreements. 8. Absolutely none of what you are saying is believable or true. I demand USAA stop making false statements and lying continuously about everything having to do with this claim. Please act forthright and honest about your conduct and the actions of USAA. Please find attached CFPB Report # XXXX including updates and attachments for your records.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85009
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A