UNITED SERVICES AUTOMOBILE ASSOCIATION

2015-12-21

Castle, PA

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

2015-12-21

College Estates, MD

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-21

Phila, PA

Problems caused by my funds being low

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-12-20

CO

Deposits and withdrawals

Bank account or service: Checking account

Complaint: XXXX this the ongoing dispute, that I been having with my NSF fees, and no one called me sent me a letter nor email during, that time. Now I do n't work for XXXX and I believe I sent my response to them via letter, but they never received it go figure. WITHIN 60 DAYS I GOT RIPPED OFF BETWEEN XXXX TO XXXX DOLLARS I CAN EVEN GO AS FAR AS 90 DAYS EVERY SINCE THIS HONORABLE VETERAN LOST HIS JOB IN NORTH DAKOTA BASED UPON A FAMILY HARDSHIP. MY XXXX COMPLAINT TIRED OF USAA ( profanity used ) ME ON NSF FEES UP TO XXXX DOLLARS IN THE LAST FEW MONTHS THEY KNOW I AI N'T MAKING CLOSE TO XXXX GS A MONTH. NOW THAT I AM ON PENSION AGAIN WAITING ON MY HARDSHIP UNEMPLOYMENT ITS BEEN AN ORDEAL, BUT XXXX CAN TELL AT THE END OF THE FISCAL YEAR OF XXXX I LOST ABOUT XXXX GS IN GROSS INCOME YOU DO N'T SEE ME SMILING THESE DAYS. USAA HAS BLATANTLY DISREGARD, AND DISMISS ME AS THE CUSTOMER WITH XXXX NEGATIVE OF BANKING HISTORY. THEY HELD MY CHECKS I DEPOSITED, AND MY VA CHECKS AND WHEN I HAD TO PAY A BILL OR EXPECTING AN IRS REFUND THEY HELD THAT CHECK TOO UNTIL I WENT NEGATIVE, AND THEN RELEASED THE MONEY IN MY ACCOUNT AFTER RIPPING ME OFF OF FEES FOR LAST 60 DAYS FROM XXXX, AND XXXX I AM GOING TO FIX THAT TODAY. Product Bank account or service : Checking account Issue Problems caused by my funds being low They did not address a XXXX thing accept these people are working against me, and try to jack my VA money, and Income taxes due an owed to me. They would do business with the XXXX XXXX XXXX XXXX corporations. In regards they think they can XXXX my money, and abuse my money while I am asleep or not watching my accounts while USAA secretly use their members money on the securities, and commodities on the international stock exchange. No one is my DAD I have only XXXX father, and that XXXX dollars of a so called refund is n't good enough they are in cahoots with those trying to sabotage my accounts. Things were different when I was on top in North Dakota, but now they treat me as a second class citizen. They even turned down my application when I was trying to get a XXXX job. I got back stabbed by them XXXX. I want all my NSF 's credited back to me from 120 days ago, and I been out of work since XXXX 2015, and I was prevented by USAA to pay my bills effectively to even have successful transfers. This is my response to I do n't agree with USAA at this juncture.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-12-20

Tarzana, CA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XXXX XXXX I received an email notifying me of a deposit of {$6600.00} someone made to my personal checking account. Since i did n't expect any deposit i called and notified my bank USAA. As i refreshed my mobile USAA app to see where the deposit came from my account started showing charges and withdraws at a XXXX in Georgia totaling about {$3700.00} or so from what the bank told me. I told my bank i did n't recognize the deposit or charges. So while i was on the phone with the fraud department with USAA the representative told me someone was trying to make purchases in Georgia as we were on the phone so the representative blocked my card/account. I was told they tried a few times to use the card but since it was blocked they gave up. The representative told me that they were going to do an investigation which could take up to 48 hours. He also said since it was Sunday i had to call back on Monday the XXXX and notify the Checking department about the deposit, that i did n't recognize it so they could look into it. I asked the rep if this would affect my other accounts and was told NO. I have other joint checking, savings and Youth accounts with USAA. So on Tuesday the XXXX i tried to use my accounts at the grocery store and all my cards were denied. I called the bank and i was told that ALL my accounts have been locked and i would n't have any access to any funds while the fraud was investigated which would take up to 48 hours I got upset cause no one ever notified me that they would be locking my accounts and leaving me with absolutly NO money. I told them i have a XXXX and XXXX year old and i need some money. I requested that i be allowed to withdraw $ XXXX {$300.00} of MY money from XXXX of my accounts that had funds just to hold over my family while they conducted their investigation and i was denied. I was told i had to wait 48 hours. It is now almost 2 weeks and my accounts are still locked. I have called everyday to check the status and i 'm told it will take 48 hours. Even the USAA reps i have spoken to have said it shows that the investigation has been completed days ago and they do n't see any reason why my accounts are still locked. Yet they are unable to unlock the accounts and i must continue to wait another 48 hours. Since i have n't been able to access MY money i have n't been able to pay any of my bills and have now received late charges, i have n't even been able to pay my rent. My landlord is charging me a late fee for every week its late. I now owe almost 2 weeks worth of late charges. I have told the bank of my issue and they keep telling me to wait 48 hours. I have had to borrow money from family and friends to get my family thru these last 2 weeks. It 's been almost 2 weeks and no one can give me an explanation why my accounts are still locked. I 've been a member of USAA for about 4 years and they have NEVER and any problems with me or my accounts. That 's why i still do n't understand why i 'm being treated like this. PLEASE PLEASE HELP ME AND MY FAMILY ...
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-12-20

San Antonio, TX

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-12-17

Chicago, IL

Deposits and withdrawals

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-12-16

Manor, DE

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: No Timely Response

2015-12-16

Charlotte, NC

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: No Timely Response

2015-12-16

San Francisco, NM

Delinquent account

Credit card:

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

Disputed: No Timely Response

2015-12-16

Lewisville, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: These reps keep calling from XXXX. They have been reported before to you by me. This company must try to collect under different companies name but the phone number is the same because I remember it. They called on XXXX/XXXX/2015 then again on XXXX/XXXX/2015 at XXXX I advised the rep they were told XXXX XXXX does not have my number earlier this week and I was told they would remove it. She stated again it would be removed. This company has called me before XXXX and they always say the phone number is being removed. Again I have reported them to you apparently you are not doing much about it either.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2015-12-16

Sumter, SC

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: Yes Timely Response

2015-12-16

Oxford, GA

Other

Credit card:

Complaint: I signed up for a credit card with usaa. They offered me a secured account of XXXX. On XXXX XXXX XXXX I deposited XXXX and they said after 2 yrs, I would go from secured card to a secured platinum master card account. On XXXX XXXX, XXXX I made a XXXX purchase and on XXXX XXXX they withdrew XXXX annual fee. On XXXX XXXX XXXX I paid XXXX securing my balance back to XXXX. Between XXXX XXXX to XXXX, I questioned a few times why I had problems using my card, and no reflection of my XXXX deposit. Each time I was told my payments were not due until XXXX XXXX, and the XXXX was posting on the XXXX XXXX, XXXX. On the XXXX XXXX and XXXX, I made purchases totaling XXXX and expecting to pay them in XXXX XXXX. On XXXX, I looked at my account and FULL PAYMENT was due in 2 DAYS and they changed my account to the platinum master card, only I had to USE it like a DEBIT CARD, which I already have. This not what I signed up for and asked to return or prorate my XXXX which they refused. I closed the account, and would like my XXXX thank you
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Disputed: No Timely Response

2015-12-15

San Antonio, 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

2015-12-15

Saint Charles, MD

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2015-12-15

N Hollywood, CA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-12-15

Sun City, 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 monetary relief

Disputed: No Timely Response

2015-12-15

Everett, WA

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt was paid
Complaint: I ca n't believe the horrible service I am receiving with USAA. I got an auto loan XX/XX/XXXX and it was paid off XX/XX/XXXX ( to make room on our debt ratio for a new home ). Up until that point, the loan was reported as paid as agreed with no lates. Suddenly when I paid off the loan, the loan was reported as having a 30 day late payment. To me, it is suspicious as to why that payment was never reported late before, but when I decide to pay off the loan, now it 's late? So I investigate further. After investigation, there was a payment in XXXX that was made to them, but never applied to the loan. The bank says they never received the payment. So, I find out that XXXX XXXX issued a cashier 's check to them on XX/XX/XXXX, but the check was never cashed. After further investigation, I find out that the check was delivered to them on XX/XX/XXXX via XXXX and delivered to the front desk. Their response, they never recieved the payment, so it is not a bank error - and they left the 30 day late payment on my credit report. This XXXX late payment caused my credit scores to drop XXXX points on XXXX bureau - XXXX points on another and I 'm still waiting on the last bureau to get this negative information. On my credit report, I have no late payments and my other loans with USAA are always made on time. This XXXX missing payment is truly an anomoly. Instead of fixing their mistake, they continue to give me the run around. They tell me that they are researching it, but most likely it is n't a banking error. They tell me that even though they signed for it, it still is not their mistake. When I asked why, when I called to inquire about the late notices I was getting, they kept telling me that there was a small balance left over from the previous month, even though payment was made for more than the payment due amount. I was told to disregard the notices. My question is if I have proof a payment was mailed to them, and signed/delivered to them by XXXX, how is this anything but a banking error?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-12-15

OK

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: My wife was at XXXX and the debit/credit card we have through USAA bank was not working. I immediately called then and was told I had an hour hold time. I tried their online page but was unable to accomplish anything there either. So, I stayed on the line and within one minute was disconnected. My wife calls back and tells me that all USAA card-holding customers are having trouble too and not one of them is getting through to USAA bank.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-12-14

San Antonio, TX

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-12-14

Fort Worth, TX

Customer service / Customer relations

Credit card:

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

Disputed: No Timely Response

2015-12-13

Grand Prairie, TX

Delinquent account

Credit card:

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-12-13

Columbus, OH

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: Yes Timely Response

2015-12-13

UT

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I defaulted on an auto loan, the vehicle was repossessed and sold at auction. The remaining balance of the loan was transferred to me and went to collections. Over a period of 2 or 3 months I settled the debt with the collection agency satisfying the remaining balance of the loan. Over a year later, the original finance company has started sending me bills for the settled amount of the loan. I contacted them and they claimed it was an error and not a bill and told me they would discontinue sending me bills. 30 days later, I received a second bill with a late fee attached to it. When I call the company I get transferred from department to department, no one helps me. My average time on the phone including hold time is XXXX minutes. The end result is ultimately being told it is a mistake, yet I continue to get bills in the mail. Prior to the repossession there was a similar experience where they mailed me a last chance offer to call and make arrangements on the loan or it would go to charge off. I called prior to the assigned deadline to see if there were any options to avoid repossession, the told me it was already sent to collections and the letter was a mistake.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2015-12-12

Mercer, PA

Customer service / Customer relations

Credit card:

Complaint: That time on month again. I need to file the monthly complaint against this group. ( USAA XXXX XXXX XXXX XXXX XXXX, TX XXXX ) For the XXXX knows how many th time they have the log in screwed up. Support refuses to answer the phones. They continue to HARASSS me about this XXXX " paperless '' XXXX when they ca n't even run a web site. probably XXXX time complained about it.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response