Robert W. Carpenter, Esq.

February 16, Mrs*** ** *** Complaint ID #: *** Dear Mrs***: I am responding to your submission regarding the IRS Tax Form R that you received for your annuity account for 2017. I regret any frustration this matter has caused you
Thank you for speaking with *** ***, of our staff, who advised you that your R has been corrected and was mailed to you on February 15, 2018. He placed it in your documents on usaa.com for immediate access. If you have any additional questions, Mr*** remains available to assist you We appreciate the opportunity to reply to you. Sincerely, *** ***

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

April 6, Sergeant *** *** Complaint ID #: *** Dear Sergeant ***: I am responding to your submission regarding your USAA Federal Savings Bank checking account 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, *** *** Tell us why here

Complaint: ***
I am rejecting this response because: The representative contacted me on Friday, December 2nd and asked me for information about the reason for the complaintShe then told me she would work on it and call me back during the next week which was the 3rd through the 7th and I still have not received any communication back from her regarding my complaint or what will be done to resolve it
Regards,
*** ***

Tell us why here...May 31,
Mrs*** *** Complaint ID #: ***
Dear Mrs***:
I am responding to your submission regarding the handling of your automobile loan with the USAA Federal Savings Bank (the FSB)We regret any inconvenience this may have caused
***
***, of our staff, conducted a thorough review of your concerns and confirmed the account was handled appropriatelyOur records indicate that the FSB received notification of your bankruptcy filing on January 30, Consequently, two days later, to ensure there was no violation of automatic withdrawals, the Automated Clearing House Removal Letter was sent to you and your attorney advising you that the January payment would be reversed and providing you the ability to reschedule automatic paymentsOn January 28, the FSB accurately reported the loan as days late to the credit reporting agencies (CRAs)On the same day, you scheduled a payment for March 1, and later that day we received notice that the bankruptcy was reaffirmedAlthough we sent you the forms to reinstate automatic payments on February 2, we did not receive your authorization until March Hence, the automatic payments were reinstated on March 16, and the loan was subsequently paid in full on May
Mrs***, we have verified the account is being reported accurately to the CRAs; as such, a correction is not warrantedIt is important to know that the FSB adheres to all applicable banking regulations and to USAA’s core values of service, loyalty, honesty, and integrity, and your allegations of wrongdoing are unfoundedIf you have any additional questions, MrRodriguez remains available to assist you
We appreciate you allowing us to reply to you
Sincerely,
*** ** ***

Complaint: ***
I am rejecting this response because again, a USAA representative told me my monthly car payments would be lower if I cancelled my extended warranty, so I didHonestly, how stupid would one have to be to cancel an extended warranty plan on their vehicle and not have the payments lowered and not to have an extended warranty on their car? Seriously, think about thatThis issue is far from over and I'll do everything in my legal power to make people aware of what a rip off USSA is and to put the word out to as many people as I can reach not to do business with USAA unless you want to be ripped offAGAIN, FIX THIS!
Very Disgusted with USAA!
*** ***

March 3, Mr*** ** *** *** Complaint ID #: *** Dear Mr***: I am responding to your submission regarding your recent application to refinance your VA mortgage loanOur records confirm that you filed an inquiry with the Consumer Financial Protection Bureau (CFPB)We will
respond to the CFPB accordinglyThank you for the opportunity to replySincerely, *** ** ***

March 16, 2018 Mrs*** ** ***Complaint ID #: *** Dear Mrs***: I am responding to your submission regarding your checking account with the USAA Federal Savings Bank. Thank you for speaking with *** ***, of our staff, who accommodated your request. I hope
that your conversation with Ms*** reassured you that your satisfaction is important to us. If you have additional questions, Ms*** remains available to assist you. We appreciate you allowing us to reply to you. Sincerely, *** ** ***

April 19, Mrs*** *** Complaint ID #: *** Dear Mrs***: I am responding to your submission regarding the hold on the deposit into your USAA Federal Savings Bank (FSB) checking account. I regret any inconvenience you may have experienced Our records
show you established a joint checking account on March 20, 2017. The Remote Deposit Capture User Agreement (Agreement) that you were provided contains the terms and conditions for USAA Deposit@Home, Deposit@Mobile, and other remote deposit capture services (Services) the FSB may provide. According to the Agreement, “items transmitted using the services are not subject to the funds availability requirements of Federal Reserve Board Regulation CC 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.” On March 30, 2017, a funds transfer returned unpaid. Later the same day, you processed a $2,deposit via Deposit@Mobile; $was made immediately available to you and the remainder was placed on hold for six days. A member of our staff spoke with you about the reasons for the hold, and subsequently, the deposit was returned unpaid as a stop payment had been placed on the check. *** ***, of our staff, was unable to reach you to discuss this matter. Nonetheless, she reviewed your account and confirmed the hold was placed in accordance with the AgreementIf you have any additional questions, Ms*** remains available to assist you. We appreciate you allowing us to reply to you. Sincerely, *** ***

Complaint: ***
I am rejecting this response because:How is the matter closed? My concerns have not been addressed
Regards,
*** ***

Complaint: ***
I am rejecting this response because: They have not worked with me regarding the loan as there were extenuating circumstances If they are there for the members, and they have not tried to work with me, then they still have not complied with their written core values and goals I still maintain that the wording needs to be changed in their written statements as it borders on deceptive trade practices in the literature they circulate I have discontinued my business with the company and will continue to pursue my promise of providing negative feedback and discouraging others from doing business with them until changes have been made and that they change their way of doing business Which also includes why they do not abide by written quotes for auto policies I was quoted $per month, however, they actually charged me $per month I stand by statement that they are not there for the members, just the executives and shareholders
Regards,
Charles Haight

February 9,
Mr*** ** *** Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding the title on your vehicleWe regret any frustration this matter may have caused you
Thank you for speaking with *** ***, of our staff, who provided
an overview of Florida’s Department of Highway Safety and Motor Vehicle title conversion processI hope your conversation with Ms*** helped reassure you that member service remains our top priority
Thank you for allowing us to reply to you
Sincerely,
*** ** ***

February 8, Mr*** *** Complaint ID #: *** Dear Mr***: I am responding to your submission regarding your check deposit As *** ***, of our staff, advised you, USAA Federal Savings Bank (FSB) processed the deposit correctly based on the information
that was provided. The FSB received two Letters of Indemnity from the Social Security Administration, and both requests to return the funds were denied as there were insufficient funds in the account. The FSB can only return the deposit if there are sufficient funds in the account We understand this was not the answer you were seeking, but please know the FSB must act in accordance with banking regulations. Should you have any additional questions, Mr*** remains available to assist you We appreciate you allowing us to reply to you. Sincerely, *** ***

July 5, 2017 Mr*** ***Complaint ID #: *** Dear Mr***: I am responding to your submission regarding your deposit account with the USAA Federal Savings Bank (FSB). Thank you for speaking with *** ***, of our FSB staff, regarding the nonsufficient funds (NSF) fees
assessed to your checking account. You advised Mr*** that you would request a letter from *** stating that the attempted drafts which resulted in the NSF fees were made in error. On June 21, 2017, your checking account was charged off with a negative balance after remaining overdrawn for consecutive daysIf you have additional questions, Mr*** remains available to assist you. We appreciate you allowing us to reply to you. Sincerely, *** ** ***

Complaint: ***
I am rejecting this response because:After speaking with *** at Usaa, we still have no answer*** stated on the phone she heard *** say that its a bank error and not not worry about itShe then said she wanted to make sure she heard it and asked another employee to listenThey then discussed it between each other and determined what he said is not what he saidThen said *** will be disciplined and retrained to use better wordsThis conversation with usaa has proven fault to usaaYet ***'s canned reponse about the federal guidelines is just a way to say we are not standing by our wordsUsaa agrees a mistake was made and the words were said to us to not worry about it, was a lieUsaa admits it was a mistakeThe recorded phonecall needs to be released to the Revdex.com
Regards,
*** * *** ***

April 17,
1st Lieutenant *** ***, USAF
Complaint ID #: ***
Dear Lieutenant ***:
I am responding to your submission regarding your auto loan with USAA Federal Savings BankI am sorry to hear about the frustration you experienced as we strive to provide quality service
to our entire membership
Our records indicate that the interest rate on your auto loan was updated effective April 3, Unfortunately, *** ***, of our staff, was unable to reach you to discuss this matter furtherIf you have any additional questions, Ms*** remains available to assist you at (***) ***-USAA (***) or (***) ***-***, Extension ***
We appreciate you allowing us to reply to you
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because:I no longer want a refund of any sort but a policy change that communication would be held the highest regardsTo treat a customer or member any less would not be acceptable
Regards,
*** ***

Complaint: ***
I am rejecting this response because:
Regards,
*** ***
This Federal Bank keeps giving me the run around, I've done everything I can do in order to get my money backThey are still trying to screw me out of my moneyI am tired of this it's been going on for years nowWhen the hell is someone going to step in and say what they are doing isn't ethical? It may be legal in this corrupt Bank and Corporation based country but it damn sure ain't ethicalThat's what everyone needs to hear that they can't be trusted

Complaint: ***
I am rejecting this response because:I never declined overdraft coverageIn fact, as I explained to the the rep that I spoke with, I understood that I had overdraft protection.I fail to understand the relevance of whether or not I spoke with someone when setting up this account, considering that the problem is related to misinformation related to me concerning WebBillPay.If you go through my history, you will see that the last time I had overdraft fees, I called to discuss it with a rep who explained to me that if I used WebBillPay then I would not have problems with overdrafting since I am sending a payment (as opposed to allowing a company to "pull" the funds)Following the discussion we had, I have avoided initiating payments through the payment portal of my credit cards and instead "push" them using BillPay.It was explained to me by the rep that WebBill Pay uses ACH payments just like the credit card company's portal, but this was news to me and contradicted the information I had previously been given.I apologize that a rep has been unable to reach me.I can be reached on my cell phone at ***-***-***Thanks
Regards,
*** ***

August 7, *** *** ** *** *** *** *** ***
*** ** ** *** Dear Dr***: I am responding to your submission regarding the activity on your USAA Federal Savings Bank (FSB) debit cardI apologize for the frustration and inconvenience you experienced when the
pending transaction of $2,remained on your account until July 10, The FSB provides provisional credits for unauthorized charges which fully post to the accountCurrently, pending authorizations are not manually released from accounts as the authorized charges are not final transactionsWe appreciate your feedback and have shared it with the appropriate partiesPlease know that the FSB acts in accordance with regulations as well as with our core values of service, loyalty, honesty, and integrityIf you have any additional questions, *** ***, of our staff, remains available and can be reached at *** *** *** ** *** *** *** Thank you for allowing us to reply to youSincerely, *** ***