Date Received: 2016-07-19
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: Someone changed my debit card pin number aND my daily withdraw limit. Then they attempted to wire money from my XXXX XXXX account to my usaa checking account. Then they transfered money from my usaa savings account to my checking account. The XXXX account did not have sufficient funds so they transfer was cancelled and I was penalized. After finding all this out I submitted an attempted fraud to usaa and they locked me out of my accounts and have refused to give me any information or access to my money. It 's been three weeks now. I reported a possible identity theft also and have yet to receive any help or information from anyone
Company Response: Company believes complaint is the result of an isolated error
State: ID
Zip: 83705
Submitted Via: Web
Date Sent: 2016-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-16
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: On or about XXXX XXXX 2016, I started the application process for a secured credit card In the amount of {$250.00} with USAA bank. On XXXX XXXX I completed the application and linked my checking account and routing number to fund the CD, with is used to secure the card. On XXXX XXXX I noticed on the USAA mobile app that the funds were pending to be withdrawn from my checking account twice instead of once. I elected to leave the funds in my checking account for withdrawal after receiving assurance that the duplicate charge would be reversed and the funds returned to me in a couple of business days in a worse case scenario. After approximately 7 business days, I started inquiring into the status of my refund. I was initially told that it takes as many as 14 business days to close out the CD and issue a refund check. This time frame obviously differed from the initially time of 2 business days ( max ) I was quoted before. I started calling after this on average 3 times per week until XXXX XXXX. My responses to these numerous calls ranged from, the check was mailed on XXXX XXXX to the check was mailed on XXXX XXXX. I did n't get the same response XXXX consecutive calls. On XX/XX/XXXX I was notified that not only was a check not mailed, but one was never generated. During this entire process I was either lied to by USAA 's CSR 's, the CSR 's did n't not have access to relevant account holder information, or USAA intentionally withheld the whereabouts of my funds. This whole ordeal has caused things to be paid late, affecting my credit score. I had to alter my life to work around the fact that I was short of money when I should n't have been. As it stands now, I bring home about {$220.00} a week, so this was devastating. I would like at least the offer of some kind of compensation for my trouble what was caused by them.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: TX
Zip: 76133
Submitted Via: Web
Date Sent: 2016-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-15
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: after months of trying to work with USAA to straighten out the loan. mostly due to their fault by not taken the money, they repossed my car on XX/XX/2016. after which I called and asked to stop payment..they told me NO.. then XX/XX/XXXX they sold the car at auction..I have yet to hear of outcome.. XXXX XXXX 2016 the proceded to take a payment from my bank account and causing me to " bounce '' a payment..and then charging me a XXXX dollar overdraft fee..and now they want me to pay them XXXX dollars..i have called and after being transfered several times they hang up on me..I belive that USAA is a no good company..thank you XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44870
Submitted Via: Web
Date Sent: 2016-07-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX XXXX 2016, I had {$86000.00} stolen from me via wire instructions emailed to me by Attorney XXXX XXXX from her business email XXXXXXXXXXXX and her business XXXX in XXXX XXXX, Florida. These funds were the balance to close on my purchase of a condominium and I had hired XXXX XXXX and XXXX XXXX to handle the closing. From XXXX XXXX 2016 through XXXX XXXX 2016 XXXX and I and others in her office exchanged more that 30 emails regarding the closing via the email address she shares with her employees, XXXXXXXXXXXX. As arranged with XXXX, I arrived at her office on XXXX XXXX 2016 to complete the closing. XXXX met me at the door and asked if I had wired the funds. When I informed her I had, XXXX told me right away she 'd been hacked by some foreign criminal in XXXX, XXXX, or XXXX and that this happens all the time. I was in shock. On XXXX 's advice I went with her to the XXXX XXXX Police Department, where she described herself as the victim. I made it clear to the police that it was my funds that were stolen not hers. On XXXX XXXX 2016, I submitted a wire recovery with USAA to the receiving bank, XXXX XXXX XXXX, but as of today there is no reply to this. On XXXX XXXX 2016, when I asked XXXX about reporting this to her insurance, XXXX stated to me that her insurance will not cover wire fraud so she will not report it. I know that if she had reported it, there is at least some likelihood the insurance would have helped to resolve the issue, but XXXX stated she would not report it. Also on XX/XX/XXXX, XXXX, advised me she was willing to resolve the issue and offered me XXXX % of the lost funds and to take a XXXX % ownership in the property. Alternatively she offered me a loan for XXXX % of the balance so that I could close. She also offered me the funds to close but stated that any valuation in the property value when I sell would go to her. She refused to put any of these offers in writing. When I told her that I felt incapable of negotiating with her, a real estate attorney, she told me if I get an attorney to negotiate for me, then she will get an attorney and implied that she will not cooperate in resolving the issue. On XXXX XXXX, My attorney demanded a copy of her malpractice insurance which her attorney delivered today ( XXXX XXXX ). I understand that the malpractice insurance has an effective date of XXXX XXXX 2016 indicating XXXX may have been uninsured while she was assisting me on XXXX XXXX 2016. This is grossly negligent and puts her clients at risk. I was acting in good faith dealing with a title agency owned my a Florida Real Estate Attorney who should have protections so customers do n't sloe their life savings like I have. It does n't seem fair that this title agency can just walk away from this failure of hers and that I suffer the loss. I need your help. Thank you. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX : XXXX Email : XXXXXXXXXXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2016-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-13
Issue: Billing statement
Subissue:
Consumer Complaint: USAA has negligently refused to credit an unauthorized charge and told me over and over again that the account was correct. This has been going on for over 2 months. Today after being transferred over and over again I was finally able to walk someone through the error and they agreed but did n't know what to do. I am reporting negligence and gross incompetence of the USAA credit card company. Oh and after 2 hours on the phone with them trying to get it resolved they hung up. More incompetence and discourteous. Account has still not been corrected. Please point me to where I can receive e help in resolving this issues and do n't point me to XXXX because they are incompetent!! behavior.
Company Response: Company believes complaint is the result of an isolated error
State: CA
Zip: 95661
Submitted Via: Web
Date Sent: 2016-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I obtained a Line of Credit second mortgage loan from USAA Federal Savings Bank which was SECURED by a lien they filed with the Clerk of the Court on my residence in XXXX. This residence was sold at auction by the Clerk of the Court of XXXX XXXX, Florida as a result of an illegal foreclosure suit filed by XXXX XXXX, principal of XXXX XXXX XXXX XXXX, a Florida corporation. This was a home that I owned outright, having paid cash in the amount of {$100000.00} in XXXX XXXX. XXXX XXXX, using a straw buyer corporation that he set up to conceal that he was the buyer, purchased the home at auction for {$30000.00}, after having agreed in writing with the Clerk of the Court that he was liable for all lien debt attached to the deed of said home, and for its repayment. Instead of collecting satisfaction of this lien from XXXX XXXX via his straw buyer, USAA Federal Savings Bank instead illegally reported this lien debt as being a consumer loan which I had defaulted on, which was patently untrue. The {$17000.00} ( approx. ) lien loan transferred to XXXX XXXX when the deed was transferred to his name, automatically, in accordance with Florida law and Federal law. I will gather all documents proving this and forward to CFPB. I request that your agency resolve this incorrect and very adverse information that USAA Federal Savings Bank reported to the credit reporting agencies, and that you sanction and fine them for this very, very harmful act!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34655
Submitted Via: Web
Date Sent: 2016-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-11
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I am a member of USAA. I had a joint checking account with my wife as an authorized user. At the time, she was also listed as an authorized user on the USAA MasterCard. We had financial issues and the MasterCard account went delinquent. Soon after, I removed her from the account as we separated. I voluntarily removed myself from the joint checking account, leaving it to her. I then attempted to add a new checking account with USAA but was denied. They said that I could not have a checking account due to the balance owed on the MasterCard. I accepted that. Now I find that my wife still has her USAA checking account as an active account. USAA refuses to discuss it with me as it is her information. I get that. I do n't think it fair that me, the service member who originally had eligibility for their products, am now being denied an account when she is able to remain a member.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2016-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-10
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: On XXXX/XXXX/XXXX I transferred {$910.00} from my XXXX XXXX XXXX ( XXXX ) ckg acct -XXXX to my USAA ckg acct. -XXXX. I then scheduled my mtg payment to be debited from my USAA -XXXX ckg acct. USAA placed a hold on the funds until XXXX/XXXX/XXXX even though the funds came out of my XXXX acct that night, and I provided USAA with verification. I em 'd USAA & rec 'd a response from XXXX XXXX. She said it was against federal regulations to release the hold. I ask what reg & and was told it was the Electronic Fund Transfer Act of XX/XX/XXXX. My daughter has worked for XXXX XXXX for 18 yrs. so I asked her if this sounded right, she said no, there was an exclusion for customers transferring money between banks " Any transfer of funds for a consumer within a system that is used primarily to transfer funds between financial institutions or businesses, e.g., XXXX or other similar network. '' She said to look on the USAA website for their policy re transfers, so I did. It said the money would be available right away, within a few business days, not a week. I then called XXXX and ask them, they said USAA could lift the hold at any time just show them the completed transfer from my XXXX, but they said it was nonsense as USAA already had this. But I provided it to USAA, XXXX XXXX anyway. She again said there was a federal reg prohibiting lifting the hold. I told her this was simply not true. Hide additional information for activity type other payment XXXX USAA CHK-INTRNT XXXX/XXXX/XXXX : XXXX : TRANSFER ID : XXXX INDN : XXXX XXXX XXXX ... Edit Description activity type other payment status type icon cleared XXXX. Select to mark activity type other payment XXXX USAA XXXX XXXX : TRANSFER ID : XXXX INDN : XXXX XXXX XXXX ... as Reconciled -XXXX XXXX Type : Other paymentDescription : USAA CHK-INTRNT DES : TRANSFER ID : XXXX INDN : XXXX XXXX XXXX CO ID : USAA FT WEB I then called XXXX XXXX, a manager at USAA whom I had dealt with on another occasion. He said my average daily balance was less than {$910.00} so they would not lift the hold even though they knew the money had actually cleared. He also said it was against 'federal regulations '. I told him it did not say this on their website, and there was no federal regulation. It the interim my mtg payment processed and was declined, then USAA charged me {$29.00} NSF. This is outright discrimination and illegally holding of funds.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30501
Submitted Via: Web
Date Sent: 2016-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-09
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: The issues we have with USAA BANK/CREDIT CARD/DEBIT CARD/LOAN SERVICES/CHECKING/ALL AROUND CUSTOMER SERVICE/RENTERS INSURANCE/AUTO INSURANCE/UNFAIR CREDIT REPORTING and all the things that follow from BAD FAITH INSURANCE to LYING all the way down to in my mind fraud. Before these issues, my life, my credit, my career and my identity where not only going very well, but we can prove, we never missed a bill EVER. We can also show faxes, witnesses, police reports, emails, phone records right on down the line and the fact we never were once late with a credit card bill, ever, we always paid more than was expected. So how come if we always paid on time and kept up with other monthly bills did USAA put our credit card in collections when we sent them identity theft paperwork on the credit card and checking account. Falsely putting credit card in collections itself has cost us major health, job, credit issues we never ever had as well as a whole breed of fake things on your credit. The headaches alone we go through daily and the loss in our lives is extreme. Not to mention the dozen of unpaid policy renters and automobile things need to be paid. But even from the first issue when we were massively identity theft through our checking, even though we ended up finding out who it was and there was an arrest and witness to came to us and testified to the culprit wrong doings, the whole time we had money missing from our accounts prior to finding out what was going on USAA BANK was rude and uncaring and told me that it was probably my boyfriend at the time doing it and I should have him arrested. WHAT KINDA COMMENT IS THAT. And after we found out who did it, when we called to let USAA BANK know XXXX ( ext XXXX ) screamed at XXXX XXXX when he was trying to be kind and let them know what was going on, she did not care, she was more concerned if we wanted anything from them. This is something we dealt with everyone from USAA, all my life I never seen any COMPANY get away with so much. RIght after we submitted identity theft paperwork, ON XXXX DIFFERENT INCIDENTS ( but over XXXX something cases in a few weeks of identity theft ) in several XXXX closed our bank accounts down without warning, we were starnded in middle of no where with no gas money, and food. When we asked why, they refused to tell us and they held on to our money for over a month. And when they do give you an answer its some generic response, WE INVESTIGATED AND FOUND THAT COMPANY ACTED IN ITS BEST INTEREST. Ok, first off, they whip they out and use it for an excuse to get away with crime. I believe companies like USAA BANK that get away with as many issues unresolved as ours and caused not only a major shift, but major health issues, career issues, life issues, identity theft issues, I can go on all day, but USAA BANK does n't care, they do n't. Before this, I never had XXXX these issues in my life, now I deal with it 5 hours a day or more. When a company like USAA BANK gets away with this much, this long, and do n't have to answer to anyone, they breed identity thieves, cause then the thieves think they can get away with it cause USAA BANK not only does but has time and time and time and time again. I ca n't write all the issues here, not enough space. This is a fire engine red alert, this is past time to be fixed, and there are health, life and other issues here. USAA BANK has a long long history of just to many of the same kind of issues, and I do n't understand how they are getting away with it and laughing, lying, stealing money from customers, causing typhoon of disaster, even ceo XXXX XXXX, not only LIED and I have a recording of it, but he did not care that XXXX and XXXX INSURANCE had proof we were in the right. They just do n't care, but I have to, I deserve to live my life stress free from this, and issues resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89104
Submitted Via: Web
Date Sent: 2016-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-08
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I ' m a XXXX year XXXX veteran that has been hit again with identity theft for the 4th time in 90 days and after being with my bank USAA 17+ years and everything going to them, they are refusing to do business or even speak to me and this has become a big deal since the cyber attack on our XXXX records re releasing all our background information and intricate details. Police reports and all are filed. This is a very serious issue for veterans. My friend brother even had another not only getting money in his name ( duplicate debitcards ), however receiving medicines and being treated XXXX just like its was him.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No