Robert W. Carpenter, Esq.

August 24, 2017 Ms*** ***Complaint ID #: *** Dear Ms***: I am responding to your submission regarding fraudulent activity in your checking account with the USAA Federal Savings Bank (FSB). We regret any frustration or inconvenience you may have
experienced as a result of this matter. Thank you for speaking with *** ***, of our FSB staff, who confirmed that temporary credits totaling $were issued to your checking account while we investigate your fraud claim. An email was sent to you advising that the temporary credits will become permanent if the claim is resolved in your favor. You informed Ms*** that you received your replacement debit card. If you have additional questions, Ms*** remains available to assist you. We appreciate you allowing us to reply to you. Sincerely, *** ** ***

May 22, 2015 Mrs*** *** ***Complaint ID #: *** Dear Mrs***: I am responding to your submission regarding the USAA Federal Savings Bank (FSB) deposit hold policy. Our employees are expected to be courteous and informative, and we make every effort to
provide quality service. I regret any frustration you may have experienced. Please note that the FSB handles all deposits in accordance with banking regulations and the Depository Agreement and Disclosures (DAD), which is provided to account holders and is available for your review on usaa.com Longer delays in funds availability may apply as outlined in the DAD and described in the hold notice we sent to you on May 4, 2015. We appreciate you speaking with *** ***, of our FSB staff, who explained the reason for the hold on your May 4, 2015, Automated Teller Machine (ATM) deposit I understand Ms. *** also provided deposit options to prevent future holds and explained that any accrued interest on funds that are on hold are provided to the account holder and not the FSB. Should you have any additional questions, Ms*** remains available to assist you. Thank you for allowing us to review your concerns and respond to you Sincerely, *** ***

June 10, 2015 Mrs*** ***Complaint ID #: *** Dear Mrs***: We responded to your complaint on June 4, 2015. No new information has been presented that would allow us to further review the matter. Sincerely, *** ***

August 10,
Ms*** ***
Complaint ID #: ***
Dear Ms***:
I am responding to your submission regarding a requested official certified check
Our records confirm that you filed an inquiry with the Consumer Financial Protection Bureau (CFPB)We responded to the CFPB on
August 8,
We appreciate you allowing us to reply to you
Sincerely,
*** ***

August 2, Specialist *** *** Complaint ID #: *** Dear Specialist ***: I am responding to your submission regarding your auto loan and credit card account with the USAA Federal Savings Bank Thank you for speaking with *** ***, of our staff, who
addressed your concerns. I hope that your conversation with Mr*** reassured you that your satisfaction is important to usOur records confirm that both accounts were paid in full. Mr*** requested a correction to your credit report to reflect the change; however, the credit agencies process varies and is subject to their practices. Should you have additional questions, Mr*** remains available to assist you. He can be reached at *** *** *** or *** ***, Extension *** We appreciate you allowing us to reply to you. Sincerely, *** ***

Complaint: ***
I am rejecting this response because: They quoted an automotive claim saying they handled the situtation accordinglyHowever when it was pointed out to them it was a VPP claim they openly admitted to reviewing the wrong claim then retracted their statement stating they based their response on the vpp claimHow are they taking this seriously and can claim they handled the situation appropriately? I would like a FULL apology from the USAA regarding this FULL situation
Regards,
*** ***

August 28, *** *** ** *** ***
*** ** ** *** Dear Specialist ***: I am responding to your submission regarding your checking and savings accounts with the USAA Federal Savings BankI regret any frustration or inconvenience you experiencedWhen we discover that
matters have not been handled to a member’s satisfaction, we appreciate the opportunity to review our processes and to resolve the situation, as you allowed us to doPlease know that coaching has been provided to those involved to ensure other members do not have a similar experience*** ***, of our staff, was unsuccessful in her attempts to reach you by telephone; however, she confirmed your checking account ending in *** and savings account ending in *** were closed as you requested, and the balance of the accounts were mailed to you on August 10, Should you have any further questions, Ms*** remains available, and she can be reached at *** *** *** *** ** *** *** *** *** Thank you for allowing us to reply to youSincerely, *** ***

Complaint: ***
I am rejecting this response because:I am still waiting for some-one in underwriting or banking to call me*** does not hold a position of that, which I told her prior to my Revdex.com complaintI have not spoken with her since this filingYes, USAA does offer a debtconsolidation loan, it is offered on your site so you are incorrect in the response you gave Revdex.comThere should be no need to pull a customer credit with in minutes of an application, the same application I could not list my retirement income on, So, USAA needs to have some-one in underwriting who looked at my credit to determine the outcome, not some PR person ! Shame on USAA for lying in their response to Revdex.com. Lets get the facts straight,Again, I am still requesting which is my right under the fair credit act for the person(s) who reviewed my personal information for a debtconsolidation loan, and one of the credit pulls removed.
Regards,
*** ***

November 6, Mr*** ** *** Complaint ID #: *** Dear Mr***: I am responding to your submission regarding your applications for a personal loan with USAA Federal Savings Bank (FSB). I regret any frustration this situation may have caused you Mr
***, thank you for speaking with *** ***, of our staff, who explained the loan decisions and provided you with the factors that impacted the decisions. Please know that the FSB acts in accordance with all applicable banking regulations and with our core values of service, loyalty, honesty, and integrity, and your allegations of wrongdoing are unfounded We appreciate the opportunity to reply to you. Sincerely, *** ***

January 5,
Mr*** ** ***
Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding your Visa credit card with the USAA Federal Savings Bank (FSB)We regret any frustration this matter may have caused you
*** ***, of our staff, was
unsuccessful in his attempts to speak with you regarding your credit card account; nonetheless, he conducted a thorough review of your concernsOur records indicate that you contacted our Member Assistance Team on November 21, 2017, and authorized a payment of $861.00, which posted to your account on December 1, Likewise, on November 28, 2017, you initiated a payment for the same amount via usaa.comAs a courtesy, on January 4, 2017, a request to reverse one of the payments was submittedPlease allow 7-days for the credit to appear in your account
Mr***, it 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 unfoundedWhile we reversed the payment, we are unable to honor your request for reversal of the nonsufficient funds fees, as there was no Bank errorShould you have any further questions, Mr*** remains available to assist you
Thank you for allowing us to reply
Sincerely,
*** ** ***
Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

Complaint: ***
I am rejecting this response because: I did not WILLINGLY participate in a scamI was conned.. I should be held at no fault
Regards,
*** ***

January 27,
Mr*** *** *** Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding your auto loan
We strive to provide quality service to our entire membership, and we regret any frustration you experiencedWe thoroughly reviewed this
matter, and we appreciate you speaking with *** ***, of our staff, who advised that we adjusted your loan rate accordinglyIf you have additional questions, Mr*** remains available to assist you
Thank you for allowing us to reply to you
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because:
The contact person you have provided has never answered my calls, and has never returned my messages that I left on het voice mail Your bank held my funds hostage for over weeks, at the first of the month when all of my bills were due, I have incurred over $in late fees and declined payment fees And there are still tube three cd's that are still open in my name at your bank, I am still receiving statements from the bank showing that all three accounts are open and still have my funds in them There is around million dollars in those three accounts, and until those accounts are closed and those funds are released to me this situation is not resolved.
Regards,*** *** ***
*** ***

Mr*** ** ***
Complaint ID #:
Dear Mr***:
I am responding to your submission regarding the joint credit card you share with Mrs***
Thank you for speaking with *** ***, of our staff, about your concernsAs he explained, we were unable to
identify any errors in the processing of the credit card statementsAccording to our records, the statements were generated and were sent to the same address on recordFurthermore, our records do not reflect that we reported a delinquency to the credit reporting agenciesIf you have additional questions, Mr*** 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 FDICOther bank products are issued and serviced by USAA Federal Savings Bank

January 15, Ms*** *** Complaint ID #: *** Dear Ms***: I am responding to your submission regarding your USAA Federal Savings Bank deposit 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,
*** ***

August 14, 2017Complaint Case#: *** Consumer: *** ***Dear Mr***:
We received your letter; however, we were unable to identify the appropriate member's account based on the information providedPlease submit additional data including the correct account number,
member's name, name, address, and/or other additional information that may assist us in locating the correct file
We are forwarding a copy of the complaint for your reference
Thank you for your assistance
Sincerely,
*** ** ***

September 14, 2015 *** *** *** ** *** ***
*** ** ** *** Dear *** ***: I am responding to your submission regarding the deposit@home/mobile feature. I apologize for any misinformation that you or Ms*** may have received. Thank you for
speaking with *** ***, of our staff, who clarified the requirements to use the deposit@home/mobile service and explained why Ms*** is not eligible. I understand Ms*** provided alternatives to making deposits to your account. If you have any additional questions, Ms*** remains available to assist you. I appreciate you allowing us to reply to you. Sincerely, *** ***

*** *** ***
*** *** *** ** *** ***
*** ** ** ***
*** *** *** I am responding to your fourth submission regarding the 1099-C IRS form and the laws and regulations governing that formWe responded to your complaint on May 18, 2016, and explained you should contact a tax attorney to verify the laws and regulations governing the formWhile 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, *** ***

August 4, Mr*** *** Complaint ID #: *** Dear Mr***: I am responding to your third submission regarding your concerns with USAA credit card fraud handlingI regret if you have not received or viewed our July 10, 2015, response to your CFPB submissionA copy of our response to the CFPB has been mailed to youThank youSincerely, *** *** Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

January 24, 2018 Ms*** ***Complaint ID #: *** Dear Ms***: I am responding to your second submission regarding your auto loan and deposit accounts with the USAA Federal Savings Bank (FSB). Thank you for speaking with *** ***, of our staff, who confirmed that the FSB acted appropriately in completing an offset of funds from your deposit account. Ms*** was unable to validate any telephone contact between yourself and our Member Debt Solutions team to discuss the loan prior to January 4, 2018. A letter dated January 22, 2018, was mailed to you as a reminder to send your January loan payment within days of the due date. As no bank error occurred, we must respectfully decline your request to refund any external fees incurred as a result of the returned payment; the FSB refunded the $nonsufficient funds fee as a courtesy on January 24, 2018. We appreciate another opportunity to reply to you. Sincerely, *** ** ***