Robert W. Carpenter, Esq.

December 27, Ms [redacted] Complaint ID #: [redacted] Dear Ms [redacted] : I am responding to your submission regarding your debit card dispute Thank you for speaking with [redacted] of our staff, who confirmed that the USAA Federal Savings Bank (FSB) disputed the transaction in questionHowever, the transaction was deemed valid since the FSB cannot override the merchant’s cancellation or refund policies I hope that your conversation with Ms [redacted] reassured you that your satisfaction is important to us If you have additional questions, Ms [redacted] remains available to assist you Ms [redacted] , we appreciate you allowing us to reply to you Sincerely, [redacted]

August 3, [redacted] Dear Ms***: I am responding to your submission regarding your deposit account with the USAA Federal Savings Bank (FSB)The FSB handles deposits in accordance with the Depository Agreement and Disclosures (DAD), which is provided to account holders and is available for review on usaa.comThe DAD states the FSB can place a hold on funds deposited via remote deposit capture services, such as Deposit@Mobile®, for up to seven business days from the date of depositIn some instances, the FSB may make funds available sooner based on such factors as credit worthiness, the length and extent of your relationship with the FSB and its affiliates, transaction and experience history, and such other factors as the FSB, in its sole discretion, deems relevant [redacted] , of our staff, was unsuccessful in her attempts to contact you by telephoneMs [redacted] removed the hold due to your overall history with the FSB and funds were made available for your useWe thoroughly reviewed this matter and determined that the hold was placed appropriatelyTherefore, we are unable to honor your request to refund the one nonsufficient funds fee you incurredShould you have any further questions, Ms [redacted] remains available to assist you, and she can be reached at [redacted] Thank you for allowing us to reply to youSincerely, [redacted] ***

Complaint: [redacted] I am rejecting this response because: USAA states this: "We responded to the CFPB on July 10, 2015, and you will receive a response to your concerns via the CFPB."When will we recieve a response? How is it USAA responded to CFPB and we do not know what that is? Is the CFPB and USAA working together to defraud this consumer and withhold info? Regards, [redacted] ***

August 20, [redacted] Dear Mrs***: I am responding to your submission regarding deposits made into your USAA Federal Savings Bank (FSB) checking account and the FSB’s hold policyAs stewards of our members’ financial security, the established hold policy is put in place to protect both you and USAA from potential lossesOur employees are expected to be courteous and helpful when speaking with our members, and I apologize that this was not what you experiencedThank you for your feedback, which we have shared with the appropriate partiesFor your reference, the Funds Availability policy is outlined in the Depository Agreement and Disclosures (DAD), which is provided to all account holders and available on usaa.comAccording to the DAD, all Remote Deposit Capture deposits, such as Deposit@Mobile, are subject to a holdUSAA will hold the funds for up to seven business days from the date of depositIn some instances funds may be available sooner than seven business days based on such factors as credit worthiness, the length and extent of your relationship with the FSB, and such other factors as USAA, in its sole discretion, deems relevant [redacted] , of our FSB staff, reviewed your situation and account information and released a partial amount of the funds that were on hold for your immediate useIn addition, I understand that he provided options to prevent future holdsShould you have any further questions, Mr [redacted] remains available to assist youWe appreciate the opportunity to reply to youSincerely, [redacted]

Complaint: [redacted] I am rejecting this response because:I had never absolutely signed up for or authorized any of the withdrawals from any of those numerous Com sightsYou even sent me an alertTo say this was suspicious activity but I didn't get the documents till JuneI didn't know how to retrieve them u gave me a provisional credit of Then send me a document that it was a permanent credit then now last week you took it back again This is absolutely the worst service and support from anyone at any timeI call and no one will provide me proof of anythingMy life has been ruined for almost months and I plan on taking this further Regards, [redacted] ***

Complaint: [redacted] I am rejecting this response because:This is not the first time this has happenedIt happens all the timeUsaa will lock customers out of their accounts because their untrained young employees just feel like itIf a customer does not jump through the kids verbal hoops they get locked outusaa may only have 5% of telephone employees over years oldThey are spending the least amount possible short of going to phillipine employees Regards, [redacted] ***

Complaint: [redacted] I am rejecting this response because:USAA has not provided the service and has taken actions against me that do not comply with laws and regulations of the United States They have failed to provide customer service and the service I have paid them dearly for not performing In addition Revdex.com read their response here! It is subtle in what it is telling you that they did not remedy the serious misconduct and failure to provide service and conduct As a result I expect the Revdex.com to maker this against USAA as a valid complaint Regards, [redacted] **

March 23, Ms [redacted] Complaint ID #: [redacted] Dear Ms [redacted] : I am responding to your submission regarding your deposit accounts with the USAA Federal Savings Bank (FSB)FSB deposit accounts are governed by the Depository Agreement and Disclosures (DAD), which is provided to all account holders and is available on usaa.com The DAD states, “If FSB suspects that irregular, unauthorized, or unlawful activities may be involved with your account, FSB may ‘freeze’ (or place a hold on) the balance in your account and in other FSB accounts, without any liability to you, pending an investigation of such suspected activities.” A fraudulent check was deposited into your checking account ending in 0491, and is still pending return As a result, the account remains in a credits-only status at this time, and a new checking account ending in [redacted] was opened on February 13, [redacted] , of our staff, spoke with you briefly and acknowledged your concerns; however, Ms [redacted] was unsuccessful in reaching you to discuss her findings If you have additional questions, Ms [redacted] remains available to assist youWe appreciate you allowing us to reply to you Sincerely, [redacted]

November 9, Mrs [redacted] Complaint ID #: [redacted] Dear Mrs***: I am responding to your submission regarding deposit account with the USAA Federal Savings Bank Unfortunately, [redacted] , of our staff, was unsuccessful in his attempts to contact you by phone to discuss this matter with youOur research confirms that the nonsufficient funds fees (NSF) are indeed valid Therefore, we respectfully decline your request to refund additional NSF fees as we feel our members share a responsibility to manage their accounts appropriately If you have additional questions, MrWeaver remains available to assist you We appreciate you allowing us to reply to you Sincerely, [redacted]

August 25, Ms [redacted] Complaint ID #: [redacted] Dear Ms [redacted] I am responding to your submission regarding the USAA Federal Savings Bank (FSB) Visa card that you were a joint account holder on [redacted] , of our staff, researched the mater and found that because there was no application or documentation on file that you requested to be added as a secondary accountholder, we have removed you from responsibility of the debt and the tradeline will be removed from your credit history Although Mr [redacted] was unsuccessful in his attempts to contact you, he will remain available if you have any questions We regret any inconvenience and frustration that this situation caused you, and appreciate you allowing us to reply to you Sincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

Complaint: [redacted] I am rejecting this response because: Regards, [redacted] I FEEL IT WAS NOT ACCEPTABLE THAT I WAS LOCKED OUT OF MY ACCOUNT FOR WEEKS.THIS WAS SUCH A INCONVENIENCE AND TOTAL STRESS TO BE PIT THROUGH ALL THIS.EVERY CALL I WAS TOLD YOU CAN'T HELP ME.YOU HELD MY CAR INSURANCE I ASKED CAN YOU MAKE MY PAYMENT WITH MY AVAILABLE FUNDS OR MY INSURANCE WOULD LAST I WAS TOLD YOU CAN'T ACCESS MY ACCOUNT.THE OTHER BANKS HANDLED IT IN HOURS AND USAA TOKK OVER 1/WEEKS NO MEMBER SHOULD HAVE TO BE SO STRESSED OUT OVER THIS NOT TO MENTION THE INCONVENIENCE

Complaint: [redacted] I am rejecting this response because the necessary information needed to come to a conclusion was neither requested nor reviewedIn addition, it was stated that documentation to support USAA's findings would be provided to the Revdex.com and I am not seeing that information here Regards, [redacted]

February 25, Mrs [redacted] Complaint ID #: [redacted] Dear Mrs***: I am responding to your submission regarding your claim [redacted] of our staff, was unsuccessful in speaking with you about your concernsPlease contact Ms [redacted] at [redacted] [redacted] so that she may assist you directlyThank you for allowing us to review this matter and to reply to youSincerely, [redacted]

Hello, My correspondence sent on 12/08/regarding the reason for rejecting the response from USAA did not save to my messageI am rejecting the most recent response from USAA because I am awaiting an official letter from USAA with their letterhead from the appropriate department, stating that the $25,loan, $9,loan, and the savings and checking account opened in my name are fradulent, and I am not held responsible for these fradulent loans and accountsIn addition, I need for this letter to outline the dates that these fradulent accounts were openedThank you, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meThank you so much for working with meIt is much appreciated! Regards, [redacted]

September 15, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding your October 1, 2014, rental property claimWe strive to provide quality service and fair claims handling to our entire membership, and we analyze each loss on its own merits and for making decisions in accordance with the terms, conditions, and limitations of the policy A thorough review of your claim was completed, and we confirmed that the areas of damage covered were the carpeting, painting, garage door, and kitchen cabinet Only the carpeting exceeded the deductible and payment was made in addition to paying for three months of fair rental value The other damages were determined to be due to wear and tear and not covered under the policyShould you have any additional questions, please contact [redacted] , of our staff, at [redacted] Thank you for allowing us to reply to you Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: Regards, I left messages for Mr. [redacted] and never heard back. It does not address my resolve. I will attempt to contact him. There was also no response about the internal complaint regarding my conversation with the representative in Sept. I know what I was told. I will pay in full to remove from credit as well. Only if USAA will agree. I will also write the corporate office. They sent a new statement regarding the account shortly after my complaint. Thanks. [redacted] ***

October 25, Ms [redacted] Complaint ID #: [redacted] Dear Ms***: I am responding to your second submission regarding your mortgage payment We responded to your complaint on October 14, While we recognize that you disagree, we feel confident that the correct decision has been made No new information has been presented that would warrant a change in our position We appreciate the opportunity to review your concerns again; however, we consider this matter closed Sincerely, [redacted]

December 11, [redacted] Complaint ID #: [redacted] Dear [redacted] ***:I am responding to your second submission regarding access to the website and the handling of your credit card with the USAA Federal Savings BankOur records confirm that you filed an inquiry about the same matter with the Consumer Financial Protection Bureau (CFPB) We responded to the CFPB on June 16, 2015, with a full explanation Since that response, our records indicate that you have made multiple successful contact attempts with USAA by phone and on usaa.com The USAA Federal Savings Bank acts in accordance with regulations as well as with our core values of service, loyalty, honesty, and integrity, and we strongly disagree with your allegations of wrongdoing No new information has been presented that would warrant a change in our position We appreciate the opportunity to review your concerns again; however, we consider this matter closed.Sincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC