Robert W. Carpenter, Esq.

December 19, Sergeant *** ***, USA Complaint ID #: *** Dear Sergeant ***: I am responding to your submission regarding your USAA Federal Savings Bank deposit account, which you state was compromised. Thank you for speaking with ***
***, of our staff, who determined that the two $overdraft fees that were caused by the unauthorized activity in your account had not been refunded, nor had a fraud case been opened for the unauthorized debit card transaction that occurred in the amount of $686.00. She reversed the fees to your accounts and assured you that feedback was sent to the appropriate area. Ms*** also confirmed that a credit for the unauthorized transaction of $posted to your account on December 14, 2017. We regret any inconvenience this matter has caused you. If you have any additional questions, Ms*** remains available to assist you We appreciate the opportunity to reply to you. Sincerely, *** ***

Complaint: ***
I am rejecting this response because: Wear and tare do not occur in amounts nearing $60,in damages in just months. I had a faith in the insurance from USAA when I purchased it through them. I do not now. This is absolutely appalling.
Regards,
*** ***

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:It failed to address the serious misconduct and failure to provide service, honor my rights to conduct transactions, provide accurate timely information and proper tax forms. They provided what amounts to lies or in the USA of "alternative facts." This conduct must go on record that USAA willfully and deliberately is not complying with securities and IRS regulationsThey have lied and conduct what amounts to character assassination against me instead of providing service, treating me with respect or more importantly to the Revdex.com addressing the issues in the complaint
This complaint is to be filed against them. They have made no good faith effort to address this conduct
Regards,
*** **

Complaint: ***
I am rejecting this response because:I spoke with a USAA representative and requested overdraft protection on my checking account.I never heard of having a checking that had overdraft protection that was lster closed.What was the reason?I would like tp request documentstipn of this account.Another issue was NSF fees were charged when money was available in the account and am still being charged fees with a balance of $1500.00.These pending charges have prevented me from closing my account.I would like documentation of each overdraft fee charged.I have had several issues with USAA.They should also have a record of me contacting them removing the from my Homeowners Insurance because my home was underinsured.If your goal is to rip off military members you have done a great job because I know I am not the only one.If you feel that $pf fees in one month isnt excessive your crazy!!
Regards,
*** ***

February 11,
Mr*** ** ***
Complaint ID #: ***
Dear *** ***:
I am responding to your second submission regarding the credit for a USAA checking account promotional offer.
We responded to your complaint on January 28, 2016. 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,
*** ** ***

September 8,
Ms*** *** Complaint ID #: ***
Dear Ms***:
I am responding to your submission regarding your deposit account with the USAA Federal Savings Bank (FSB)
Thank you for speaking with *** ***, of our staff, who addressed your concerns and, as a
courtesy, refunded the nonsufficient funds feesPlease know we act in accordance to the Depository Agreement and Disclosures which states, “When you do not have enough available funds in your account to cover a check or other item…FSB may charge for each insufficient funds item.” If you have additional questions, Ms*** remains available to assist you
We appreciate you allowing us to reply to you
Sincerely,
*** ***

November 27, 2015Mr*** ***Complaint ID #: ***Dear Mr***:I am responding to your submission regarding your credit card accountOur records indicate that your credit card account was charged off in March 2015, due to your bankruptcy filing. I apologize that your account
was not immediately updated when you filed bankruptcy in 2013. To the extent allowed by law, we believe it is in the best interest of the association to put certain restrictions into place, such as limited access to usaa.com, when a member has caused USAA to suffer a loss. The restriction lasts for seven years from the filing of the bankruptcy and will be removed in March 2020. Our representatives are available to process any transactions or assist in servicing your existing accounts. Additionally, we offer a limited view of your accounts on mobile.usaa.com, which can supplement the account information you can get by mail or telephone. *** ***, of our staff, was unsuccessful in his attempts to reach you to discuss this matter. If you have any additional questions, Mr*** remains available, and may be reached at *** *** *** ** *** *** *** ***.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

September 17, *** *** *** ** *** ***
*** ** ** ***
*** *** *** *** I am responding to your submission regarding your access to features of your deposit accounts with the USAA Federal Savings Bank (FSB)We regret any frustration or inconvenience you
experienced as a result of this matterI understand that you engaged in an online conversation with an FSB representative on September 4, 2015, who provided the reasons for the restricted access as well as the deposit holdsLater that day, following a thorough review of your account, the restriction was liftedPlease be advised that while access to Deposit@Home, Deposit@Mobile, and funds transfers has been reinstated, your deposits will continue to be subject to the funds availability guidelines referenced in the Depository Agreement and Disclosures*** *** ***, thank you for allowing us to further research the matter and to reply to youShould you have any further questions, *** ***, of our staff, can be reached at *** *** *** ** *** *** *** ***
Sincerely, *** ***

Complaint: ***
I am rejecting this response because:USAA let a message on my phone stating they resolve a fraud claim with *** *** *** *** *** NJ not the dispute, on a similar matter *** *** *** online disputed they said I did not give them professional answer and the merchant *** *** *** *** *** did not response to them at all after over Days, USAA still refuse to paid/issue me my funds that was disputeI also try contacting USAA and left messages they fail to answer call me back
Regards,
*** ***

May 22, 2015 Mr*** *** Complaint ID #: *** and *** Dear Mr***: I am responding to your submission regarding the annual percentage rate (APR) for your USAA credit card. Thank you for allowing *** ***, of our Federal Savings Bank staff, to explain
that the promotional offer you received stated that a zero percent APR applied to balance transfers and convenience checks only and did not include purchases. Should you have additional questions, Ms*** remains available to assist you. We regret any frustration this matter may have caused you, and we appreciate the opportunity to respond to you. Sincerely, *** *** Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

February 19,
Mr*** *** Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding the $78.13, which was incorrectly credited to your daughter’s account and subsequently reversed
Thank you for speaking with *** ***, of our staff, regarding
the transaction and for allowing her to review the statements with youI hope you found your conversation with Ms*** responsive to your concerns
We appreciate you allowing us to reply to you
Sincerely,
*** ** ***

April 3,
Ms*** ** *** Complaint ID #: ***
Dear Ms***:
I am responding to your submission regarding the funds transfersI regret the frustration this situation caused you
Thank you for speaking with *** *** of our staff, who explained the process
to stop and reissue the checksIf you have additional questions on this matter, Mr*** remains available to assist you
We appreciate you allowing us to reply to you
Sincerely,
*** ***

March 17,
Specialist *** ** ***, USA
Complaint ID #: ***
Dear Specialist ***:
I am responding to your submission regarding your deposit account transactions
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 30, 2015*** *** ** ***
*** ** ** ***Dear Mr***:I am responding to your submission regarding a deposit hold. Our employees are expected to be helpful and to offer solutions for our members, and I regret any inconvenience you experienced We thoroughly
reviewed your account and determined that the hold was placed appropriately and in line with the USAA Federal Savings Bank’s (FSB) Depository Agreement and Disclosures (DAD), which is provided to all accountholders and is also available on usaa.com. For remote deposit services including Deposit@Mobile, the 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.” The FSB applies the hold policy uniformly to all members and acts in accordance with all regulations as well as our core values of service, loyalty, honesty, and integrityUnfortunately, *** ***, of our staff, was unable to reach you to discuss your concernsIf you have additional questions, Mr*** remains available and can be reached at (210) 531-USAA (8722) or (800) 531-8722, Extension *** Thank you for allowing us to reply to you. Sincerely,*** ***

February 20,
Ms*** ** *** Complaint ID #: ***
Dear Ms***:
I am responding to your submission regarding your checking account with USAA Federal Savings Bank
I am sorry to hear about the frustration you experienced as we strive to provide quality service to our
entire membershipThank you for speaking with *** ***, of our staff, who completed a thorough review of your account and confirmed that USAA’s position remains unchangedShould you have any additional questions, Ms*** remains available to assist you
We appreciate you allowing us to reply to you
Sincerely,
*** ***

March 16,
Mrs*** ** *** Complaint ID #: ***
Dear Mrs***:
I am responding to your third submission regarding your loans
*** ***, of our staff, was unable to reach you to discuss your concerns; nonetheless, he thoroughly reviewed your account and was unable to verify any returned paymentsAdditionally, since your bankruptcy has been discharged, you no longer have obligations to pay on the loanConsequently, the Bankruptcy Right to Cure Default letter explains the FSB’s intention to repossess the collateral vehiclePlease note that this notification was mailed to your address of record on March 8, Mr*** remains available to assist you and he can be reached at (***) ***-USAA ***) or (***) ***-***, Extension ***
We appreciate you allowing us another opportunity to reply to you
Sincerely,
*** ** ***

March 30, Major *** *** ***, USA Complaint ID #: *** Dear Major ***: I am responding to your submission regarding your mortgage payments. We regret any frustration you experienced You were correctly advised that manual payments could be
made if you choose to split your monthly mortgage paymentPlease understand there is a contractual obligation when you signed the mortgage loan documents that state the payment is considered late after the 15th of each month. Therefore, if you split the payments, both partial payments must be received by the 15th of the month. Patrick ***, of our staff, attempted to contact you to discuss your concerns. Mr*** confirmed the mortgage servicer, Nationstar, adjusted the late fee you were assessed and that no late payments were reported to the consumer reporting agencies. We respectfully decline your request for additional compensation. Should you have any 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:I asked if the documents I was sending were ok and I was told yes I sent my passport,health card that has my social on it and my spectrum phone bill, and she checked and let me know that those documents were ok
Regards,
*** ***

*** *** ***
*** *** ** ***
*** ** ** ***
*** *** ***
I am responding to your submission regarding a payment made to your credit card account with the USAA Federal Savings Bank (FSB)
Our records reflect that on April 23, 2016, you scheduled a same-day credit card
payment for $13,from an external account via USAA’s mobile app. When you called on April 26, 2016, we advised that the payment had processed. The next day, a manager attempted to reach you by telephone but was unsuccessful. While we regret any frustration you experienced, the payment was processed in accordance with the information that was entered via the mobile app. Should you have any additional questions, *** ***, of our FSB staff, remains available to assist you
We appreciate you 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