UNITED SERVICES AUTOMOBILE ASSOCIATION

2015-06-18

Harmonyville, VT

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 explanation

Disputed: No Timely Response

2015-06-18

Five Points, NC

Deposits and withdrawals

Bank account or service: Savings account

Complaint: Check fraud in my checking and savings account with USAA Saving Bank in XXXX XXXX, TX. XXXX notified bank of fraudulent activity on XXXX/XXXX/15 and checks continued to be deposited until XXXX/XXXX/15.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-06-17

Charlotte Ama, VI

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

2015-06-16

Newark, NJ

Bankruptcy

Credit card:

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

Disputed: No Timely Response

2015-06-16

Oakland, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief

Disputed: No Timely Response

2015-06-16

Vicksburg, MI

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

2015-06-16

Barr, SC

APR or interest rate

Credit card:

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

Disputed: No Timely Response

2015-06-16

Brooklyn, NY

Billing disputes

Credit card:

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

Disputed: No Timely Response

2015-06-15

New York, NY

Convenience checks

Credit card:

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

Disputed: No Timely Response

2015-06-15

Pensacola, FL

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

2015-06-15

Oxford, GA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: On XXXX XXXX 2015 I was attempting to make a mobile deposit to my personal banking account when I was denied access. I called USAA to find out why I was not able to make a simple deposit. The representative told me that there had been XXXX hidden accounts created under my name and transfers had been made and now those accounts where in the negative balance. I reported to the associate that I did not authorize these accounts and I asked how was this account authorized without my signature. They could not give me an answer. The representative told me the fraudulent accounts had been created on XXXX XXXX and had transfer activity since that date. I quested the bank again because I always receive notification through email, text, and phone call whenever transfers or accounts are open, and I received no notification of this activity. The representative again stated that she was unsure how this happened. I was directed to the fraud department and they asked me if I had participated in a scam or if I had given out my information to anyone I stated no. The fraud team stated that the person would have had to know my XXXX security questions, my pin number, my login information, and I stated again that no one but me has this information. They proceeded to tell me that they would investigate and I would get a call back within 48 hours with a resolution. They froze all my accounts and I had access to none of my money. I received no information from USAA, so I proceeded to call and the representative stated that USAA will no longer do business with me and that I am held responsible for all negative balances, so all my funds were taken over. The representative stated that this decision had been made on XXXX XXXX, though I was not notified. I called again to gain a dispute form a different representative stated that no criminology report for the fraud had been submitted which she found strange and she submitted one today.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-06-15

Rochester, WA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I deposited {$26000.00} into USAA bank ( routing XXXX ) at the end of XXXX. A week later they sent a notification that my money was available. I wrote a {$400.00} check to my local utility company. When my debit arrived, I called to activate it, and was told by the CSR that USAA was declining to do business with me. I 've spoken with XXXX reps, who have rudely told me that my money would be returned to me when their investigation was done. What investigation? I have only been informed via marketing and advertising that my money is safe at USAA and to utilize their bill pay program. I 've been locked out of my account online, and they are n't sending me any XXXX mail informing me that they 've frozen my accounts and wo n't return my money until their investigation is done. This is all I have in the world. I live on this money. I have rent to pay, a child to feed, until I find work. Please, please help me. They 've been holding my money almost 30 days, they will not give me written verification that they are investigating me, and they have no reason to investigate me. They have basically stolen my money from me. FYI, they also informed me that I would be receiving a bill from them for overdraft fees or some such. How is that possible off a {$400.00} check written from an account with {$6000.00} in it?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-06-13

Gloucester City, NJ

Application, originator, mortgage broker

Mortgage: VA mortgage

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

Disputed: No Timely Response

2015-06-12

Elmer, LA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: My husband and I were the victims of a scam. Someone called my husbands cell phone claiming to be a representative from USAA Bank which, at the time, was our primary banking institution. The individual posing as USAA requested that my husband verify certain pieces of his personal information in order that she could check to make sure he was eligible for {$10000.00} to be deposited into his account. To make a long story short, this individual was impersonating a USAA representative. They then proceeded to deposit fraudulent checks into several of our accounts to include my children 's dependent accounts and withdrew over {$6000.00} dollars from my husband 's account from an ATM machine all in one day which I feel is very strange. Shortly after all these transactions were made, we received an automated telephone call form USAA stating that they suspected fraudulent activity on our account and instructed us to call them. We called them and that 's when we were informed of the transactions. This was on XXXX XXXX 2015. Since that date, USAA has been very uncooperative with us. They have refused to give us information about how we can try to recoup the monies that were stolen from us. They have not even given us anything in writing explaining to us what our options are. Every time we call them in reference to this situation they say that we need to speak with someone in the fraud department and we have to hold for hours or are disconnected. It appears to me that they are deliberately treating us in this manner because we never had a problem with USAA until this incident. My most recent contact with them was today XXXX/XXXX/2015. I called to see if I could get some type of written documentation outlining the fact that our accounts were frozen due to this fraudulent activity which lead to my mortgage payment check being returned and incurring a fee and a 1 year penalty of not making any election payments. After I was transferred about XXXX times and was on hold for 1 hour, the representative told me, " USAA will not provide any information of the sort due to the fact that USAA has deemed that you are responsible for this series of events. '' I find it really hard to believe that as international bank that preys on the Military Community, ( we are a Military ), they could not give us any guidance or help with this potentially career threatening matter. My husband is and XXXX and I also work for the XXXX. We have both now been sent to a collections agency about the balances even after we have called to speak with their internal collection department to try and set up a payment plan for the over drawn accounts. This has been such a horrible situation and to have the door shut on us by a financial institution that I have been with for almost 10 years is very disheartening.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-06-12

WI

Advertising and marketing

Credit card:

Complaint: XXXX partner and affiliate of XXXX XXXX sold a product with a false description. Theyhad claimed that their mining product " Hashlets '' they were selling were obsolete-proof, guaranteed to never break down and always remain profitable. XXXX XXXX XXXX XXXX XXXX XXXX is preparing to shut down all operations and run off with customer 's money. I have attached the necessary documents in this file to support my claims against these charges. XXXX XXXX and XXXX has intentionally defrauded customers, lied to customers, and operated illegally. In addition they have also refused access to the products and services customers have purchased and halted operations completely. XXXX XXXX has also attempted to scrub the internet of all incriminating information regarding their fraudulent operations. Even their websites XXXX and XXXX no longer exists. Furthermore it is public knowledge that the XXXX Securities and Exchange Commission is investigating XXXX XXXX, XXXX and XXXX XXXX for XXXX XXXX. In addition I have learned that the Federal Bureau of Investigation and the XXXX Department of Justice are also involved. XXXX XXXX has allegedly fled to XXXX in an attempt to escape the XXXX Government and the charges he now faces. Over the course of the past 4 months I have attempted XXXX to dispute this transaction with USAA, XXXX times being declined because it was not submitted within their 60 days of the transaction date. I also bank with XXXX XXXX XXXX and they have the same 60 day policy however since the case was about fraud and the fact that the SEC was involved, they initiated the dispute and I was returned my {$26000.00}.
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief

Disputed: No Timely Response

2015-06-11

Hampton, VA

Billing disputes

Credit card:

Complaint: My now exhusband jointly held a usaa XXXX credit card with me and we accumulatedcabiutv XXXX debt. In court divorce debt not allocated even though through freedom debt he said he paid this and only later said he pulled out and they were suing me by his name was not on the card. It was he had it removed them filed with frredom debt then they erroneously sued me. He signed a contracact taking on that debt. Now there is a judgement on my record that 's incorrect.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-06-11

Reno, NV

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I was called by a USAA Bank XXXX, during the discussion the lady made the statement that we checked the taping of my phone discussion, I was surprised, I was not told that they were taping me, I feel my constitutional rights have been violated, plus is there not a federal law against WIRE TAPS with out a judges approval???? + also not informing me that I 'm being TAPED???
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-06-11

Doniphan, MO

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: A debt collector keeps calling me stating they are a debt collector and wanting me to call them back at XXXX XXXX and at XXXX XXXX XXXX. They never leave a name only wanting me to call them. I do not have any debt XXXX and have not in over XXXX years. These are not my debts and I live alone. Please take the time to take care of this. I have been on the NO CALL list for many years and have never needed to contact you before now. Thank you very much
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2015-06-10

Annandale, VA

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

2015-06-10

Odell, OR

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

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

Disputed: No Timely Response

2015-06-10

Crotonville, NY

Application, originator, mortgage broker

Mortgage: Conventional fixed 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

2015-06-09

Bullhead City, 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 monetary relief

Disputed: No Timely Response

2015-06-08

Chicago, IL

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I initiated a dispute on XXXX XXXX, 2015 regarding a charge to my USAA checking debit card from XXXX for {$54.00} for wi-fi services that I did not receive. USAA requested the SAME information over and over and over and over, which I provided at least five times ( four times via telephone and once via fax ). Every time I call, I 'm told that they need THE SAME INFORMATION. I have provided everything they 've asked for at least FIVE TIMES. They refuse to do anything further. I believe that they are intentionally stalling so they do n't have to do anything. USAA service is simply horrid. What happened to this bank? They used to be decent!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Disputed: No Timely Response

2015-06-08

Bullhead City, 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

2015-06-08

Roswell, GA

Making/receiving payments, sending money

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