Robert W. Carpenter, Esq.

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

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, *** ***

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,
*** ***

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: 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

March 7, Mrs*** *** Complaint ID #: *** Dear Mrs***: I am responding to your second submission regarding your USAA Federal Savings Bank consumer loan *** ***, of our staff, confirmed that you do have an established settlement agreement. She advised you that four payments have posted to the account since the settlement was offered, and she noted that you advised that you made a payment for January and February 2018, and would submit payments on April and May 26, 2018. If you have any additional questions, Ms*** remains available to assist you. We appreciate the opportunity to reply to you. Sincerely, *** ***

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

October 17, Mr*** ** *** Complaint ID #: *** Dear Mr***: I am responding to your submission regarding a returned check that was written to you by a USAA member. I understand *** ***, of our staff, was unsuccessful in her attempts
to contact you at the telephone number provided. Nonetheless, she confirmed that USAA does not offer a Certificate of Protest. If you have any additional questions or would like to discuss further, Ms*** remains available to assist you. Thank you for allowing us to reply to you. Sincerely, *** ***

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, *** ** ***

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!
*** ***

June 10, Ms*** *** *** Complaint ID #: *** Dear Ms***: I am responding to your second submission regarding your checking account ending in *** with the USAA Federal Savings BankOur records confirm that we responded to your complaint with the Office of the Comptroller of the Currency on June 2, While we recognize that you disagree, we feel confident that the correct decision has been madeNo new information has been presented that would warrant a change in our positionWe appreciate the opportunity to review your concerns again; however, we consider this matter closedSincerely, *** ***

October 9,
Ms*** *** *** Complaint ID #: ***
Dear Ms***:
I am responding to your submission regarding your mortgage loan application
As *** *** of our staff explained, USAA is not responsible for the decline of your mortgage application, and we
respectfully decline your request for monetary compensationI understand this is not the outcome you were seeking; nonetheless, we are confident the correct decision has been madeIf you have any additional questions, Mr*** remains available to assist you
We appreciate you 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, *** ***

August 19, *** *** *** ***
*** ** ** *** Dear *** ***: I am responding to your submission regarding the fraud case you filed with the USAA Federal Savings Bank (FSB)Our employees are expected to be professional and to handle matters in a timely manner, and I
apologize for the inconvenience you encounteredPlease know we take our responsibility of safeguarding the security of our members’ information very seriously, and we actively monitor accounts in an effort to prevent unauthorized useOnce suspicious activity was identified, an investigation was initiated, and your accounts were subsequently placed in a credits-only statusWe make every effort to minimize the impact to our members when fraud occursThank you for your feedback, which we have shared with the appropriate parties for considerationUnfortunately, *** ***, of our staff, was unable to reach you by telephone to discuss your concernsA credit of $3,for the second unauthorized official check was credited to your account on July 28, Should you wish to discuss additional security options to help guard against potential identity theft or fraud, Ms*** remains available to assist youThank you for allowing us to reply to youSincerely, *** ***

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, *** ***

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,
*** ***

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,
*** ** ***

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 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,
*** ***