Date Received: 2015-06-01
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I have been banking with USAA for about XXXX years. I have disputed the order of transactions several times but it continues to happen. For example, I will make a purchase and the funds will be available and the money taken out of my account. Then a few days or a XXXX later the transaction will appear to have overdrawn causing a fee and the transactions will be out of order. It seems transactions are out of order for the convenience of the bank taking out bank overdraft fees. That causes of slippery slope of fees because the bank takes out money that is n't supposed to be taken out. That leaves the unknown of where the funds went that was taken out when the purchase was made. USAA is either stealing out of my account and charging fees or something.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46143
Submitted Via: Web
Date Sent: 2015-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-28
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I have been a member of USAA since the early XXXX. Approximately XXXX years ago, following a divorce and a failed business, I filed bankruptcy. XXXX of the debts included in the bankruptcy was my USAA credit card with a remaining balance that was under {$3000.00}. Intent on trying to turn things around, I signed up to monitor my credit through USAA 's partnership with XXXX. However, soon thereafter I tried to log onto my USAA account and I received the following message : " According to our records you filed bankruptcy and we can not collect certain debts. To obtain access to your existing accounts you may log on by clicking proceed below. ( XXXX ) '' The link took me to a limited and cumbersome USAA Web site and I was no longer able to access my XXXX credit monitoring account. The Web site also gave me limited access to my USAA Automobile Insurance policy and my USAA Auto loans ( which I continued to pay and reaffirmed in the bankruptcy - so USAA did not lose anything on those XXXX loans ). I wrote a letter to USAA ( attached ) stating that it seems the only purpose of displaying this message in bold red and redirecting members to a limited and cumbersome Web site is purely punitive and to humiliate its members further. There is no benefit to USAA. It is only a punishment and a humiliation for someone like me who had no other option following a divorce and failed business venture. So every time I log on to make my car payments or to pay my insurance bill or to access some other service at USAA, I am further humiliated. If this is USAA 's purpose and goal, then it has succeeded - I am further humiliated and reminded of my failure a few times each month. I received a call responding to my letter - no one wrote back. I was told that the reason for the limited Web site was so that USAA would not inadvertently extend any further credit to me following my bankruptcy. This makes no sense. They could refuse to extend additional credit to me without redirecting me to a cumbersome Web site and displaying the humiliating message. I am also a member of XXXX XXXX, and had to include a debt from their company, but they do n't display humiliating messages or redirect me to some cumbersome Web site. It seems the only reason for USAA to have this policy is punitive.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2015-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-27
Issue: Balance transfer
Subissue:
Consumer Complaint: I was offered a promotional APR of 0 % interest on balance transfers and convience checks that expired on XXXX XXXX, 2015. On XXXX XXXX, I called USAA customer service to process XXXX balance transfers and was told my account was locked and I would have to call back in 24hrs to process the transfers. I called back to USAA 's customer service to process XXXX balance transfers on XXXX XXXX and spoke to a represenitive about the offer and was told that that day XXXX XXXX was the last day to take advantage of the offer. I gave her my first account number to a XXXX and XXXX credit account. The represenitive was unable to get the account to be rcognized by the sysytem and suggested that I write a convience check to myself to cover the balance and pay the account myself. The XXXX account was recognized by the sysytem and was processed that day. I was asked if I had any other accounts and after declining, the call ended. On XXXX XXXX, I noticed a finance charge on my account for balance transfers. I called USAA on the next business day and was told that I was charged due to the balance transfer not posting to my account by the end of the promotion period. I was told the check that was written was under the promotion, but not the account that was processed on the XXXX as a balance transfer. I asked why the person I spoke with did not explain this to me and was told that they were unsure as to why. I then asked why the previous customer service rep. did not just advise me to write a check for the amount of XXXX transfers instead of the XXXX and received the same " Unsure '' response. I feel that I was mislead into believe that the balances I transfered over to USAA would be covered under the promotion offered to me, especially since I was speaking to a customer service agent from the company. I then inquired about just paying off the amount that was not under the promotion and was told, I could not do that without paying off the entire balance of the card. I do not understand why I can not specify what balance is paid after I make the minimum payment.
Company Response: Company believes complaint is the result of an isolated error
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2015-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-25
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: I wired money on XXXX/XXXX/2015 from USAA account : XXXX XXXX XXXX {$5700.00}. to : XXXX XXXX XXXX, bank name : XXXX bank, bank address ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX acc # : XXXX. SWIFT code : XXXX. After two hours, I called to recall the wire transfer back. It was pending. I 'm still waiting for the recall. I know it 's my responsible to make sure the account information is correct. I feel that as a consumer that I should be able to recall the wire transfer as it is a error and scam. The receiving bank should be reply to USAA. All the bank should be there to help good customers not a scamer. The bank I wire the money to is in XXXX. The scam company is : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, email : XXXXXXXXXXXX. add : XXXX XXXX XXXX, XXXX. XXXX. XXXX, XXXX ; XXXX. Banks should be able to recall the wire transfer for all the customers. Bank should be help the customers to get their money back as it 's is a recall. I also want to report XXXX Scams : XXXX XXXX {$8500.00} wired to XXXX from XXXX 's bank : Beneficiary : XXXX XXXX XXXX. Bank XXXX Bank XXXX XXXX XXXX. Bank address : XXXX XXXX, XXXX XXXX XXXX, XXXX bank XXXX # XXXX XXXX XXXX : XXXXPlease do published these XXXX scams ' company and name of these XXXX XXXX company:XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, fax:XXXX address : XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX. XXXX # XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX tel : XXXX, fax:XXXX, address ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX. Please do protect consumers and we should be able to recall all the wire transfer back to good customers at the same day or the next day.. Thank XXXX : XXXX : XXXXXXXXXXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21043
Submitted Via: Web
Date Sent: 2015-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-22
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: 1. Electronic Payments status is complete but the funds are not subtracted from the current balance creating an account out of balance condition. 2. Some payments are completely removed from the account ( scheduled payments, completed payments and account details ) while in process resulting in an account out of balance condition.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2015-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-21
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: The nature of the complaint is that the creditor failed to respond to a debt verification request made pursuant to the FDCPA. The basis of the dispute is that complainant was a victim of identity theft. In XXXX XXXX Complainant 's ex-spouse open a credit card account with USAA in his name, and the Complainant was unaware that the credit card account was opened. The XXXX decree was granted at the hearing on XXXX XXXX, XXXX and signed by the judge on XXXX XXXX, XXXX. XXXX days prior to the final order dissolving the marriage Complainant 's ex-wife transfers balances from XXXX of her credit card accounts to the USAA account. The complainant became aware of this once the balance showed on his credit report. He immediately filed a police report with the XXXX XXXX XXXX, TX police department. The case is being investigated by Office XXXX XXXX. He also filed a complaint with the Federal Trade Commission. On or about XXXX XXXX, XXXX the complainant through his legal counsel sent a written debt dispute letter to USAA requesting verification of the debt and specific documents to authenticate the account application. On XXXX XXXX, XXXX USAA responded that the credit reporting issues were out of its control referred the complainant to the credit reporting agencies and failed to provide any verification of the debt. The Complainant is requesting debt verification and damages and reasonable attorney 's fees pursuant to the FDCPA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85286
Submitted Via: Web
Date Sent: 2015-05-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-21
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: I contacted USAA bank to dispute a charge after I found a company failed to due work as promised and after having to pay another mechanic for same work I asked for a refund. USAA so called investigation failed to take other mechanic information or even listen to audio recordings between me and company where they admitted wrong doing
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2015-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-20
Issue: Customer service / Customer relations
Subissue:
Consumer Complaint: Bankruptcy discharged XX/XX/XXXX. USAA credit card was discharged in that bankruptcy. In XX/XX/XXXX, my USAA checking account was overdrawn due to insurance policy charges. I called USAA to give them updated bank account information, as I have no way to deposit money into USAA checking due to location. They debited the insurance charges from my new checking account, but referred my overdrawn checking account to a collection agency. As soon as I learned of this, I submitted a check to them in the amount of XXXX. Thinking this was resolved, and the check having cleared, I told the collection agency to stop calling me, as I had paid the debt directly to USAA. Today I called USAA and was informed that the payment was applied to an outstanding credit card debt, and they would not reverse it. I told the senior banking agent at USAA, named XXXX, that I included that credit card in by bankruptcy and that it was a violation of law to collect that debt. She told me I was wrong and disconnected the call. Attached are the credit card statement that they posted to my account for the XXXX time since XX/XX/XXXX, and my bankruptcy petition and discharge.
Company Response: Company believes complaint is the result of an isolated error
State: GA
Zip: 318XX
Submitted Via: Web
Date Sent: 2015-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-20
Issue: Billing disputes
Subissue:
Consumer Complaint: USAA Mastercard cancelled my card in late XXXX as a precaution against fraud and sent me another card. In the process those that had been on auto pay had to be contacted and given the new card number. I opted not to renew XXXX for auto payment. When XXXX called they were told their services were not wanted and to stop billing USAA Mastercard. This conversation occurred XXXX times, I do n't want your service stop billing USAA Mastercard. USAA Mastercard has been told a total of XXXX times ( XXXX on the phone and XXXX times in writing ) charges from XXXX are not authorized. USAA continues to accept billing on the account they closed. This has been happening monthly since XXXX 2014. USAA 's position is " this is an active account. '' I asked the adviser to the CEO, XXXX XXXX, 'How many times do I have to cancel before USAA Mastercard will consider the account closed? ' XXXX XXXX ' response, " you need to contact XXXX and tell them you do not want their service. '' USAA Mastercard can not answer the fundamental question of what it takes to cancel preferring to charge me interest and penalties on credit card they closed from an account I did not renew and on multiple occasions told them to stop.
Company Response: Company believes complaint is the result of an isolated error
State: SC
Zip: 29708
Submitted Via: Web
Date Sent: 2015-05-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-19
Issue: Billing disputes
Subissue:
Consumer Complaint: A letter sent to USAA Federal Savings Bank in XXXX XXXX, TX in XXXX 2014 was never responded to. Several bankers acknowledged receipt of the letter. After speaking to USAA, the letter was acknowledged as received and that they were required to respond. Numerous calls ( despite acknowledging receipt of the letter ) yielded no response. The banks user agreement clearly states that they will acknowledge receipt of a letter within 30 days and send a response within 60 days as either agreeing to it or denying it. To date no response has been received despite that this consumer is held bound to the user agreement if I do n't state otherwise. The purpose of the letter showed duplicate charges, late fees and fraudulent charges from the past not completely reversed. And some other issues concerning the users credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 116XX
Submitted Via: Web
Date Sent: 2015-05-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: Yes