Robert W. Carpenter, Esq.

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]

Complaint: [redacted] I am rejecting this response because: I was told when opening the account that Social Security monthly payments were typically a few days early or lateThe second one was sent by the Social Security office and arrived days late directly to the bank (auto deposit)I was clearly told that they took this into consideration and that there would be no problemOver a six month period I was told repeatedly that the $bonus would be applied to my account "any day now"In the meantime I have received nearyl 0% interest in my acct.,which is still opthe wayI feel that they are victimizing the elderlyThey have taken advantage of me because I am old Regards, [redacted]

July 18, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding your deposit account with the USAA Federal Savings Bank I apologize for any inconvenience you may have experienced [redacted] , of our staff, was unsuccessful in her attempts to reach you by telephone and online message to discuss your concerns Nonetheless, Ms [redacted] identified that your charged off deposit accounts were covered under your bankruptcy Therefore, a right to offset (RTO) was inadvertently completed for $from your checking account ending in Ms [redacted] confirmed the RTO has since been reversed Should you have any questions, Ms [redacted] remains available to assist youMrLeopoldo, we appreciate you allowing us to review the matter and to reply to you Sincerely, [redacted]

February 20, Staff Sergeant [redacted] ***, USA (Ret.) Complaint ID #: [redacted] Dear Staff Sergeant ***: I am responding to your submission regarding your deposit accountI apologize for the inconvenience this situation caused you The Depository Agreement and Disclosures (DAD) is provided to all account holders at the inception of their accounts and is available on usaa.comAccording to the DAD, “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.” On January 18, 2017, suspicious activity occurred, and restrictions were placed on your account to prevent any further potential loss to you and to USAASubsequently, two VA Treasury deposits posted to your account on January 31, As requested, the funds were sent to you via an official check Thank you for speaking with Linda Garza, of our staff, who advised you that upon further investigation, we confirmed you are not liable for the unauthorized activity that occurred, and we removed the restrictions from your account If you have additional questions on this matter, MsGarza remains available to assist you We appreciate you allowing us to reply to you Sincerely, [redacted] ***

Complaint: [redacted] I am rejecting this response because: I did notify you at the time I was made aware of the account that I DID NOT authorize my name as a secondary account holderI was informed by the representative that I spoke with that I had given a signature card for the account and that the account was legitimateWhen I explained that I did not sign a card or any other papers for this account to be opened with my name on it, I was told that I would have to go to civil court to have my name removed from the accountWhen I requested a copy of the signature card the representative refused to produce a copy for me to show that I had not signed the cardFurther proof that I did not open this account is that it was open for nearly a year according to your records before I even had access to the account onlineI made multiple attempts to get this resolved prior to the account going into a negative balance and have filed a police report with my county sheriff's officeThe account was opened by a former spouse without my permission and when our marriage was annulled on July 1, 2010, I was still denied removal of my name from the accountI have always made my payments to the bank for insurance and it wasn't until I was refused renewal of my insurance that I was made aware that the account was still in my name and overdrawnThe account was never used by myself, verification of card use and check deposits are evidence of thisI have filed this report due to the endless hassle that has become of this situation and an inability to get it resolved Regards, [redacted]

March 8, [redacted] Complaint ID #: [redacted] Dear Mrs [redacted] : I am responding to your submission regarding your checking account with the USAA Federal Savings Bank (FSB)The Depository Agreement and Disclosures (DAD), which is provided to account holders at account inception and available on usaa.com, governs deposit accounts and describes the hold policy associated with funds submitted through remote deposit capture services, such as Deposit@MobileThe DAD states, “FSB 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 FSB and its affiliates, transaction and experience history, and such other factors as FSB, in its sole discretion, deems relevant.” [redacted] , of our staff, was unsuccessful in his attempts to discuss your concerns by telephoneMr [redacted] thoroughly reviewed your checking account, verified that the application of the five-business-day deposit hold was appropriate and that the details of the hold were provided to you on usaa.com, and confirmed that the funds were available to you on March 3, If you have additional questions, Mr [redacted] remains available to assist youWe appreciate the opportunity to reply to youSincerely, [redacted]

November 23, Mrs [redacted] Complaint ID #: [redacted] Dear Mrs [redacted] : I am responding to your submission regarding your deposit accountsWe strive to provide quality service to our entire membership, and I regret any misinformation or lack of follyou may have receivedThank you for speaking with [redacted] , of our staff, who thoroughly reviewed your concerns and verified that the specified telephone call was unavailable for reviewShould you have any further questions, please contact Ms [redacted] directly at [redacted] or ###-###-####, Extension [redacted] We appreciate you allowing us to reply to youSincerely, [redacted]

August 5, [redacted] Dear Mr***: I am responding to your submission regarding your accounts with the USAA Federal Savings Bank (FSB)It is important to note that the FSB acts in accordance with federal regulations; the FSB’s Depository Agreement and Disclosures (DAD); and our core values of service, loyalty, honesty, and integrity, and we reject your allegations of improprietyAccording to the FSB's Depository Agreement and Disclosures (DAD), which is provided to all new account holders and is available on usaa.com, "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." As such, an investigation has been initiated, and your accounts are in a credits-only statusShould we need additional information while we are investigating this matter, we will contact you directlyOur records confirm that you filed an inquiry with the Office of the Comptroller of the Currency (OCC)We will respond to the OCC accordinglyThank youSincerely, [redacted]

October 28, [redacted] Complaint ID #: [redacted] Dear Ms [redacted] :I am responding to your submission regarding the promotional offer you received from the USAA Federal Savings Bank (FSB) We regret the frustration this matter caused you.Thank you for speaking with [redacted] ***, of our staff, who confirmed that a credit of $was applied to your account on October 7, I also understand that Ms [redacted] clarified the reasons why you were unable to view the offer details online Please know that the FSB complies with all applicable regulations and in line with our core values of service, loyalty, honestly, and integrity, and we respectfully reject your allegations of impropriety If you have any further questions, Ms [redacted] remains available to assist youThank you for allowing us to reply to you Sincerely, [redacted]

August 6, [redacted] Dear Mr [redacted] : I am responding to your submission regarding your checking account and consumer loan refinance requestOur records reflect that your wife spoke with [redacted] , of our staff, about your joint checking account concernsMs [redacted] reviewed the transactions you identified and explained why you did not receive any alertsPlease note that the locations you described were the billing locations and that they were not an indicator of where the transactions occurredThe $provisional credit has posted to your account while we continue to investigate the matterThank you for speaking with [redacted] , of our staff, who discussed the specific reasons for our auto loan decision, which were provided in the notice we mailed to you on July 27, I understand she clarified that factors other than your credit profile, such as your checking account balance, had no impact on the decisionIf you have additional questions, Ms [redacted] and Ms [redacted] remain available to assist you and can be reached at [redacted] ***, respectivelyWe appreciate you allowing us to look into these matters and respond to youSincerely, [redacted] ***

August 14, Mrs [redacted] Complaint ID #: [redacted] Dear Mrs [redacted] : I am responding to your submission regarding your recent mortgage application experience with the USAA Federal Savings Bank (FSB) Thank you for speaking with [redacted] of our staff, who discussed your concerns We apologize for any frustration you experienced, and I hope that your conversation with Mr [redacted] reassured you that your satisfaction is important to us We regret that we were unable to approve your mortgage loan with the FSB; however, we are pleased to learn that you have closed on your property without the loss of any funds If you have additional questions, Mr [redacted] remains available to assist you We appreciate you allowing us to reply to you Sincerely, [redacted]

April 21, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding your checking account with the USAA Federal Savings BankI regret any inconvenience you may have experienced Thank you for speaking with [redacted] , of our staff, who thoroughly reviewed your account and confirmed the $overdraft fee was accurately assessedAs Ms [redacted] explained, a PayPal transaction posted to the account yielding an overdrawn balance; hence, a refund is not warrantedOn April 7, 2017, the account was closed as you requestedHowever, on April 19, 2017, the account was temporarily reopened due to a credit posting to the accountAccordingly, we sent a notice to your address on record advising you of our actions and providing you with instructions to claim your fundsIf you have additional questions, Ms [redacted] remains available to assist you Thank you for allowing us to reply to you Sincerely, [redacted]

Complaint: ***
I am rejecting this response because: I have tried in good faith to resolve this complaint with you and have been consistently denied my rights as a consumer for fraud protection I have been trying to resolve this since I became aware of the account and have filed a police report with my county sheriff's department regarding the fraud Still, you refuse to investigate the fraud.
Regards,
*** ***

September 19,
Mr*** ***
Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding your credit card account with the USAA Federal Savings BankOur employees are expected to be professional and courteous at all times, and I regret this was
not your experience
*** ***, of our staff, has been unsuccessful in her attempts to speak with you regarding the fees assessed to your accountHowever, I understand the $fee was refunded as a courtesy
Thank you for allowing us to reply to you
Sincerely,
*** ** ***
Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

December 7, 2016 Mr*** ** ***Complaint ID #: *** Dear Mr***: I am responding to your submission regarding your checking account with the USAA Federal Savings Bank (FSB), and we regret any frustration you experienced. The Depository Agreement and Disclosures (DAD),
which is provided to account holders at account inception and available on usaa.com, governs deposit accounts and describes the hold policy associated with funds submitted through Remote Deposit Capture (RDC) services. The DAD states, “FSB will hold the funds for up to seven business days from the date of deposit. In 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 FSB and its affiliates, transaction and experience history, and such other factors as FSB, in its sole discretion, deems relevant.” Thank you for speaking with *** ***, of our staff, who explained the reason for the holds and declined to deviate from our current hold policy. If you have additional questions, MrRico remains available to assist you We appreciate you allowing us to reply to you. Sincerely, *** ***

December 17, 2015Mr*** ** ***Complaint ID #: ***Dear Mr***:I am responding to your submission regarding your deposit accounts with the USAA Federal Savings Bank.Our records confirm that you filed an inquiry with the Consumer Financial Protection Bureau (CFPB). We will respond
to the CFPB accordingly.Thank you for the opportunity to reply.Sincerely,*** ***

July 15, *** *** ** ***
*** ** ** *** Dear Mr***: I am responding to your submission regarding your automobile loan with the USAA Federal Savings Bank (FSB)As we indicated in our Revdex.com response to you dated November 13, 2014, a request was submitted to
report the account as, paid in full was a charge of* ***, of our staff, confirmed the reporting remains accurate and will continue to reflect as such for a total of seven years from the first date of delinquencyIf you have any questions for Mr***, he can be reached at *** *** *** ** *** *** *** ***Thank you for allowing us to further review your concernsSincerely, *** ***

January 26,
Sergeant First Class *** ** ***,
Complaint ID #: ***
Dear Sergeant ***
I am responding to your submission regarding your USAA Brokerage Account
*** ***, of our staff, completed a thorough review of your account and sent you a secured
email on January 24, 2018, indicating her findingsIf you have additional questions, Ms*** remains available to assist you
We appreciate you allowing us to reply to you
Sincerely,
*** ***
USAA means United Services Automobile Association and its affiliatesInvestment Products and Services offered by USAA Financial Advisors, Inc., a registered broker dealer and USAA Investment Management Company, a registered investment adviser and broker dealer

June 16,
Mrs*** ***
Complaint ID #: ***
Dear Mrs***:
I am responding to your submission regarding an ATM transaction
Our records confirm that you filed an inquiry with the Consumer Financial Protection Bureau (CFPB)We will respond to the CFPB
accordingly
Thank you for the opportunity to reply
Sincerely,
*** ***

October 19, Mr*** *** Complaint ID #: *** Dear Mr***: I am responding to your submission regarding your account status with USAA *** ***, of our staff, was unable to reach you to discuss your concerns. In order to verify
membership eligibility, you will need to provide identification documents. The documents and information needed were outlined in the letter we sent you dated October 11, The documents can be submitted via mail or fax, and once received, will be reviewed for eligibility. If you have additional questions, Ms*** remains available to assist you We appreciate you allowing us to reply to you. Sincerely, *** ***