UNITED SERVICES AUTOMOBILE ASSOCIATION

2015-11-04

Austin, TX

Other

Credit card:

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

Disputed: No Timely Response

2015-11-04

FL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: This is the email I sent to them. I Have a deposit on hold for XXXX dollars. I have not had a hold like this before and Have XXXX insure payments that I can not change because it is already in process. This is going to cause a problem for me. As such I have my payroll deposit coming thru on this Thursday and have a mortgage loan that will be pulled out that day that will be using some of this money. This is unacceptable and will be causing major problems. Its not like you have a ATM anywhere and i mean anywhere near me. The closet one would be in Georgia. You also can not cancel the deposit so I can go into my business bank account to get money out and then go to a store and get a money order and then find a ups store so I can deposit cash. because you already have that money tied up. Does this really sound convenient? I now have to try and scrounge up and hope XXXX that my insurance does not go thru and try to find some cash to go thru the task of putting some cash into my account. Come on guys/gals I have been a member for 15 years. There has got to be a better way really.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-11-03

Doral, FL

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

2015-11-03

Lk Buena Vis, FL

Account opening, closing, or management

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-11-02

Phoenix, AZ

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 non-monetary relief

Disputed: No Timely Response

2015-11-02

East Troy, WI

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Soon after I filed for Bankruptcy, I was denied full access to the USAA website with the words " 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. '' Printed in red every time I attempt to log in. I am then redirected to a stripped down version of the website, basically a mobile site, with my full account information including full account numbers visible to the public when I check on my existing accounts. They claim, they do this to limit the possible chance of USAA accidentally extending further credit to those who filed bankruptcy. I call that a lack of professionalism and they make their members pay for USAA 's inability to perform a minor task as USAA can accurately access any current or future member 's credit worthiness via the credit reports, as that is what they are used for ; they do not need to limit access and further humiliate their membership in such a way and continued practice will result in Discrimination charges against USAA. As they seem to be punishing anyone for falling on financial hardship and not being able to pay their debts.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-11-01

Cheverly, MD

Account opening, closing, or management

Bank account or service: Checking account

Complaint: On XXXX XXXX, XXXX, when I logged into my USAA Federal savings banking website I noticed that both of my son 's savings & checking accounts read Unavailable, which was strange to me because I had never seen anything like this before. I then called the USAA Federal savings bank to inquiry about this, not knowing if they would share any information with me, because these XXXX accounts belong to my son and while I was on hold and waiting to speak to someone, I called my son and began to question him, as to why his accounts where saying Unavailable oppose to showing the dollar amount that is typically shown when I view this page while being logged into banks website. This is when my son informed me that he was not sure as to why the accounts where placed in this status, and that he no longer had access to the accounts. On XXXX XXXX, XXXX I received text messages informing that USAA made a deposit to my son 's savings account, in the amount that has been showing a negative amount of money. Shockingly I had never received any text messages about anything ever associated with my son 's banking accounts and surprisingly I did not receive a text message referencing the status of his checking account, until I immediately contacted USAA Federal savings bank to inquiry about the text message stating that a deposit that was posted to my son 's savings account for " Charge Off Fraud '', which left me more confused then ever, where are asked them about the status of checking account and was told that USAA Federal savings bank had deposited the remaining outstanding balance to my son 's checking account after taking the monies from me ( XXXX XXXX, XXXX ) and placing it in my son 's checking account. XXXX XXXX, XXXX USAA Federal savings bank removed both of my son 's savings & checking accounts. On XXXX XXXX, XXXX, XXXX separate envelops addressed to my son and me arrived at my house and inside of each XXXX of them, was a statement showing a negative of amount which represented the savings & checking accounts telling me that the accounts are overdrawn and that this will be reported to the consumer reporting agency. My concerns / disagreements with all of this is that I have an excellent credit rating and have carried such all of my life, and I currently work for Federal government where I hold a Top secret security clearance and now because USAA Federal savings bank say that I am liable for fraudulent activity because I am showing to be a joint account holder on both of my son 's savings & checking accounts in just not right, that I can possible lose my Federal job because of something that I have no control over is wrong in so many ways. USAA Federal savings bank continue to tell me that I am a joint account holder on a checking account that was opened by son back in XX/XX/XXXX, which I never signed up for. I continually asked for proof of this and after almost a month later USAA provided me with a document that gives dates that showed where I opened up a Youth savings & checking account in XX/XX/XXXX that shows the same savings account number then and now. The checking account number in XX/XX/XXXX is different from the one that was opened by my son in XX/XX/XXXX ; however USAA continue to tell me that I am liable for the fraudulent activities that occurred from XX/XX/XXXX - XX/XX/XXXX. Based off of this provided information, did USAA Federal saving bank commit bank fraud / identity theft against me and did they remove my money out of both of my personal savings & checking accounts and applying it to my son 's checking account that I should not have been added too illegally?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-10-30

Morral, OH

Shopping for a loan or lease

Consumer Loan: Installment loan

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

Disputed: No Timely Response

2015-10-30

Salisbury, MD

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

2015-10-30

Boynton Beach, FL

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2015-10-29

Norwalk, CA

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

2015-10-29

Pleasanton, CA

Credit decision / Underwriting

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-10-29

Washington, DC

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Earlier this year, I opened an account with USAA via online application. I opened the account with the {$25.00} minimum requirement. Beginning in XX/XX/XXXX I began depositing XXXX per pay period from my payroll deposits into that account since it was going to be my neice 's " savings '' account. XX/XX/XXXX, I went to withdraw money from the USAA ATM fo rthe first time and was given a telephone number to call after the receipt said can not dispense funds. At that time ( XX/XX/XXXX ) I called their CS XXXX requesting information on where my money was, which had only accumulated to XXXX and I was told that the account was put on hold pending eligibility. I informed them that I was indeed XXXX XX/XX/XXXX however my paperwork was in IL in a storage locker and I can not provide it. I was very upset because the account had been opened so long and I had NOT ever been contacted and now my funds were on hold, XXXX. I no longer cared to be eligibile - I want to close the account ( I saw this gap in communication as horrible service ) which I informed them, however the department that closes the account was closed at XXXX. On XX/XX/XXXX I called again and spoke to a member of the dept. who said my fund would be sent via check, expect it in 5-7 business days. By XX/XX/XXXX they had not called - I spent 2.5 hours being tranferred around their back offices and told a manager would call me back in 24-48 business hours. On XX/XX/XXXX I called back and basically accused of having untraced funds from my XXXX Payroll which is clearly stated in the account summary ( attached ) and asked did I ever serve in the military in an accusatory tone from the executive resolutions team and told he would submit a request to their back-office and " see if anything comes of it. '' The same back office who told me on XX/XX/XXXX there is nothing they can do. There is some condescending overtones and I just want my XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-10-28

Ewa Beach, HI

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

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

Disputed: No Timely Response

2015-10-28

So Effingham, NH

Taking out 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

2015-10-28

FL

Late fee

Credit card:

Complaint: I am XXXX customer and having a hard time to contact the customer service via a relay service several times, but they keep hanging up at me because of a relay service.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Disputed: Yes Timely Response

2015-10-27

PA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: When I applied for an auto loan the loan company took into account the outstanding VA Medical bills on my credit report that are not my responsibility to pay. Thus, discriminating against me as a XXXX veteran when they denied the loan.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-10-27

PA

Other

Credit card:

Complaint: USAA Credit card services has caused great concern to me, which is the reason for my choice to close a credit card account with them. USAA called my home 3 to 4 times a day starting on XXXX XXXX 2015 In a robot form because my payment was past due the first time it has since the account was created 2 years ago. efforts to resolve this matter with the XXXX to get my name put on a do not call list was n't successful. I called back XXXX XXXX from USAA after he left a message to talk to me about the complaint to the XXXX and he has refused to this point to call me back.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-10-26

Brunswick, GA

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

2015-10-26

Staten Island, NY

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

2015-10-26

Stockbridge, GA

Deposits and withdrawals

Bank account or service: Savings account

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

Disputed: No Timely Response

2015-10-24

Valrico, FL

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

2015-10-23

Dover, NH

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

2015-10-23

Scottsdale, AZ

Other

Credit card:

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

Disputed: Yes Timely Response

2015-10-22

Albuquerque, NM

Shopping for a line of credit

Consumer Loan: Personal line of credit

Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response