Robert W. Carpenter, Esq.

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,
*** ***

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,
*** **

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,*** ***

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, *** ** ***

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, *** ***

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, *** ***

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 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, *** ***

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,
*** ***

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,*** *** ***
*** ***

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,
*** ***

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

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, *** ***

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,
*** ***

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 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,
*** ***

*** *** ***
*** *** *** ** *** ***
*** ** ** ***
*** *** *** 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, *** ***

May 22, Mr*** *** Complaint ID #: *** Dear Mr***: I am responding to your submission regarding your automobile loanOn March 30, 2015, your automobile loan was finalized for $30,for a length of months at an interest rate of percentThe rate included the
percent reduction for automatic paymentsOur records confirm that you did not use the USAA Car Buying Service to purchase your car; therefore, the associated discount is not applicableThe USAA Federal Savings Bank acts in accordance with our core values of honesty, integrity, loyalty and service, and we strongly reject your allegations of wrongdoingShould you have any additional questions, you may contact *** ***, of our staff, at *** *** *** or *** ***, Extension ***Thank you for allowing us to reply to youSincerely, *** ***

Complaint: ***
I am rejecting this response because: noone has ever tried to contact me from USAAIf anyone tried to contact me I would of answeredThis is the very first time I have heard ANYTHING about my accountsVery bad customer service and I know the information given to me is absolutely falseI still want this problem resolved as I have requested
Regards,
*** ***