UNITED SERVICES AUTOMOBILE ASSOCIATION

2016-03-24

Fort Worth, TX

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-21

E Town, KY

Application, originator, mortgage broker

Mortgage: VA mortgage

Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: No Timely Response

2016-03-18

Eton, GA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I am a member of USAA Savings Bank. I have a USAA Secured Visa Credit Card secured by a CD with USAA. In XXXX 2016 I reported my Credit Card stolen. The card was shut down and a new card issued for this account. Ever since that card has been shut down I am showing XXXX separate accounts in my credit reports. XXXX my current and authorized account and XXXX an the unauthorized and fraudulent account that is being actively updated in my credit report monthly BY USAA. When I asked USAA they say that they do not see the unauthorized account in their systems, they can not pull up historical info on the account that had the unauthorized activity, and they do n't seem to think it is a problem to have XXXX separate account being reported as active when there is only XXXX account. All I want is to remove and stop reporting the stolen account as my active account to the credit bureau.
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief

Disputed: No Timely Response

2016-03-18

Rochester, OH

Unsolicited issuance of credit card

Credit card:

Complaint: My husband had a credit card with USAA. I was a authorized user of the card but never signed personally for the debt. My husband filed chapter XXXX bankruptcy. Usaa issued me a new credit card number, which they will not provide the full credit card number to me and transferred his debt to me. This was not my debt. I filed a dispute claim with the company but they did not answer my complaint. They call upwards of 20 times a week to collect this debt. I have talked to them and have asked to talk to someone who could make a decision or clarify there position. Sometimes I will be transfered 3 or 4 times. I need some help
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-17

N Hollywood, CA

Billing disputes

Credit card:

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-03-16

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-16

Las Vegas, NV

Billing disputes

Credit card:

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-03-15

Madison Park, WA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2016-03-15

KS

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: USAA restricted my ability to access their banking website after i filed bankruptcy. Is this legal? I ca n't make deposits or set up electronic bill payment or transfer funds from trading accounts to bank accounts. I want to be able to access and manage my accounts through their main website.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-15

Sun City, AZ

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with monetary relief

Disputed: Yes Timely Response

2016-03-15

Auburn, AL

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: USAA for some reason insist on not investigating my account correctly. Once my family and I noticed that my Identity was compromised, USAA was notified. We notified them and my account was closed with a day of us noticing, and USAA explained that they will be discontinuing business within a day of noticing the problem. I am being held responsible for all transaction and I have strong reason to believe that USAA did not conduct a proper investigation. I called today to try and figure out where the ATM withdrawal transaction occurred, but after calling a USAA representative explained that he no longer was able to obtain the information for me to correctly file a Police Report to the Officials. I have been very displeased with USAA 's customer service lately, and my family has been banking with them for years. I am being held responsible, and a representative explained that a day prior someone called and impersonated myself using my information. This was startling to us, USAA allowed us to make another claim to review/dispute the decision they made. However nothing has changed and I want to correctly file a report, and ask the Police to look at the cameras of the ATM that was used to commit the fraudulent activity so that USAA and myself may have a better understanding of who is at fault.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-15

Magnolia, TX

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: I am an XXXX XXXX Soldier Stationed in XXXX Tx. I bought a home for my family using my VA loan. The house that I decided to purchase had been a XXXX forelcosure home and by bid was accepted by the seller with the conditions that stated I would agree to buy the house for XXXX and the seller would pay 3 % of closing cost. This was stated in my ratified contract signed by all parties involved. I then found my lender, and USAA federal Savings bank was the most competiive bid for my loan. i applied for a loan and was approved for XXXX. I went through all the hoops and loops of giving them the necessary documetns and it took them roughly 50 days to get to closing. Then after delays they finaly said XXXX XXXX I would close and sent me the disclosure documents in advance of my closing.They also drew up the lending disclosure documents as they are responsible for this action under new trid guidleines. They then forwarded this to my title company Texas XXXX XXXX in the XXXX tx. When I arrived at closing on the XXXX of XXXX 2015, I was informed that the lender had given me a credit for {$5000.00} towards taxes that would be applied towards closing cost of my home. The seller contributions of {$5400.00} were taken off ebcause that would give me too much money back at closing. I did recieve XXXX of my earnest money back based on the closing. 4 months later I recieved notice that my taxes were delinquent by 3 months and that I had not paid my taxes for neither the mud, school distric nor XXXX XXXX. I called my lender and they asked me to submit the tax bills. Unbenounced to me the tax liability for a home I had purchased on the XXXX of XXXX of 2015 has been left for me to pay. So I called my lender back after submitting my tax documents the following monday to inquire what became of the delinquent taxes and they told me that the taxes were all paid by USAAA however, I now am in debt to my escrow because they completely wiped clean my escrow and have placed my escrow in a negative escrow balance of XXXX. Which means now USAA federal savings bank will be increasing my monthly payments by {$400.00} every month to make up for the money they have spent. Here is my problem with this transaction - I did not own the home in XXXX XXXX 2015 to XXXX XXXX 2015. Hence I should not be held liable to pay those taxes. The bank claims they gave this money to me at closing as a credit, however due to this very big error they did not allow for seller contributions of {$5400.00} which was agreed upon by the lender to be paid applied to towards seller contribuitions in my closing. This means that I am solely liable for taxes on this for a time that I did not own the home and the seller has been allowed to walk away by not fullfilling their end of the bargain. USAA claims that this is the way business is and that I will not be allowed to recieve seller contributions and that the title company is responsiible. When I spoke with Texas XXXX XXXX Company they told me that they have no liability since USAA was responsible for drawing up the disclosure and closing documents. I am but a XXXX XXXX in the United States XXXX and I can not afford to pay this outrageous amount of taxes since they will be increasing my taxes by {$400.00} can someone please tell me how to resolve this nightmare because I am being unjuslty taxed for something that has been clearly missed by all the professionals.
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief

Disputed: No Timely Response

2016-03-12

Dallas, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-12

Huntingtn Bch, CA

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-03-11

Lynwood, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-03-11

Kingman, AZ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-11

Baton Rouge, LA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-11

GA

Other

Credit card:

Complaint: On XXXX XXXX, 2016, I mistakenly mailed a check to USAA credit card XXXX. The check was for {$2500.00} and was made out to XXXX XXXX XXXX. On XXXX XXXX, I realized I had maybe made an error and had sent the check to USAA. I called USAA credit card services and was told that they had not received the check and would not cash a check not made to them. On XXXX XXXX, I called my checking account bank, XXXX and was told the check had been cashed. After going to XXXX I received a print of the front and back of the check and surely enough it had been cashed by USAA on XXXX XXXX, although I had a credit due from the USAA credit card of over {$100.00}. On XXXX XXXX, after calling USAA, I was told that they could not issue me a refund until I called them back in 10 days. The reason given was that they had to made sure the check was valid since it came from an external source, although I had a copy of the cancelled check in my hand. I was also told that they could wire the money to the bank that day, XXXX XXXX, but I would need to pay them 3 % of the amount wired. On XXXX XXXX, thinking that I had made a clerical error in my check book, I had issued XXXX XXXX XXXX another check for for {$2500.00}. Now, USAA could not return the check for another 10 days or more but could immediately wire the money at considerable cost to me. Translated that means pay USAA {$77.00} and they will wire the money immediately or call USAA in 10 days and they will mail me a refund whenever. I had to borrow money from my son to cover the second {$2500.00} check until my husband arrived from his work the following day to issue me another check for the same amount. I am very unhappy with USAA and will be cancelling the credit card as soon as my money is refunded. I hope I have described the situation clearly. Thanks for any help.
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief

Disputed: No Timely Response

2016-03-11

TX

Using a debit or ATM card

Bank account or service: Checking account

Complaint: A hotel held funds on my debit card, but removed the hold on Tuesday, XXXX. The bank still showed the hold on the account as of XXXX, and did not provide an easy way to remove the hold from the account. The only way they would remove was with a conference call with the hotel. I called the bank through their app, which was the only contact method provided, and an option for a third party call was not available. When I told the rep this, she said she also could n't do a third party call and could n't assist me. She gave no other way to resolve the issue. This is the second or third time USAA has put the burden of resolving their errors on me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-10

Pittston, ME

Billing disputes

Credit card:

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-09

Damascus, OR

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Disputed: Yes Timely Response

2016-03-09

Centerville, GA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-08

Killeen, TX

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-08

IL

Settlement process and costs

Mortgage: VA mortgage

Complaint: My divorce ended XXXX XXXX, 2014. In the divorce decree stated that I am not reliable of the mortgage that only my ex husband is reliable of the house. USAA savings bank is the mortgage lender and they keep sending me letters of how the mortgage is in default but will not talk to me. My name is not on the mortgage note or the deed and they ended up putting it on my credit. I want the mortgage taken off my credit asap if possible. If I 'm not reliable of the mortgage it should not be on my credit. I have a divorce decree that I will be sending with this to show proof. I do n't live in the house and moved out when my divorce has first started.
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief

Disputed: No Timely Response

2016-03-08

Albion, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response