Robert W. Carpenter, Esq.

Complaint: ***
I am rejecting this response because:
I was given a fake and rushed apology. I do not feel I was treated fairly.
Regards,
*** ***

September 22,
*** *** ** ***
*** ** ** *** Dear Ms***: I am responding to your submission regarding your checking accountOur records confirm that you filed an inquiry with the Consumer Financial Protection Bureau (CFPB)We will respond to the CFPB accordinglyThank
youSincerely, *** ***

Complaint: ***
I am rejecting this response because: It doesn't solve anything
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,
*** ***

November 18, 2015Mr*** ***Complaint ID #: ***Dear *r***:This is in response to your submission. We strive to provide quality service to our entire *embership. After working with you regarding your concerns, we understand this *atter has been resolved to
your satisfaction. Thank you for allowing us to reply to you. Sincerely,*** ***USAA *eans United Services Automobile Association and its affiliatesAccounts are introduced and brokerage services provided by USAA Financial Advisors, Inc(FAI) and USAA Investment *anagement Company (IMCO), both registered broker-dealers, *embers SIPCClearing, custody and other services provided by National Financial Services LLC (NFS), *ember NYSE, SIPC

April 25,
Ms*** ** *** Complaint ID #: ***
Dear Ms***:
I am responding to your submission regarding your deposit account
Our records confirm that you filed an inquiry with the Office of the Comptroller of the Currency (OCC)We will respond to the OCC
accordingly
Thank you for the opportunity to reply
Sincerely,
*** ***

February 20, Mr*** *** Complaint ID #: *** Dear Mr***: I am responding to your submission regarding mortgage loan rates Thank you for speaking with *** ***, of our staff, who explained that advertised rates are specific to certain types of
loans, and the rate you referenced was applicable to a conventional purchase loan for a primary residence and required a buy down with discount pointsI hope that your conversation with Mr*** addressed your questions and reassured you that your satisfaction is important to us. If you have additional questions, Mr*** remains available to assist you We appreciate you allowing us to reply to you. Sincerely, *** ***

Revdex.com:
I did receive a call and voice message from Mr *** on Wednesday, January I returned the call on Wednesday, January and left a voice messageI attempted to reach Mr *** again on Thursday, January but was unable to connect with him.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 is not a valid dispute
Regards,
*** ***

*** ** ***
*** *** ***
*** ** ** *** Dear Mr***: I am responding to your submission regarding the payment of medical bills related to your September automobile accidentOur records show that we informed you of the independent medical examination appointment by
letter dated December 21, 2015, and a telephone message on January 6, Since you missed the first examination, we rescheduled it and informed you of the new date in a letter dated January 8, We have reviewed your request for payment of your medical expenses incurred after February 1, However, no new information was discovered to warrant a change in our coverage decision, which is detailed in our February 2, 2016, letter to youPlease know that we are responsible for making decisions in accordance with the terms, conditions, and limitations of the policyShould you have additional questions, *** ***, of our staff, remains available to discuss our coverage decision with youThe September 14, 2015, bill for $is currently being reviewed, and supplementary information may be requiredAs your auto adjuster, *** ***, has advised you, we first received a copy of this bill when you provided it on March 22, Thank you for allowing us to research this matter and to reply to youSincerely,
*** ***

February 16,
Ms*** ** ***
Complaint ID #: ***
Dear Ms***:
I am responding to your submission regarding your deposit accounts with the USAA Federal Savings Bank (FSB). We strive to provide quality service to our entire membership, and I regret
any frustration or inconvenience you may have experienced
Thank you for speaking with *** ***, of our FSB staff, who thoroughly reviewed your joint account and reiterated that as a result of our investigation, you and your son, Specialist Christian ***, remain liable for the account activity and negative account balance. While we realize this is not the outcome you were seeking, we hope the information provided clarifies the reasons for our actions
We appreciate you allowing us to reply to you.
Sincerely,
*** ** ***

January 10, Specialist *** ** *** USA Complaint ID #: *** Dear Specialist ***: I am responding to your submission regarding your deposit account Thank you for speaking with *** ***, of our staff, who confirmed your account was returned
to a status. In addition, your transactions for $and for $successfully posted on January 3, 2018. We regret any frustration you may have experienced. If you have additional questions, Mr*** remains available to assist youOur funds availability policies are detailed in the USAA Depository Agreement and Disclosures, which is provided at account inception and is available on usaa.com We appreciate you allowing us to reply to you. Sincerely, *** ***

*** ** ***
*
*** *** ***
*** ** ** ***
*
*** *** ***
I am responding to your submission regarding the deposit to your checking account with the USAA Federal Savings Bank (FSB)
The Depository Agreement and Disclosures (DAD), which is provided to account
holders at account inception and available on usaa.com, governs deposit accounts and describes the hold policy associated with funds submitted through Remote Deposit Capture (RDC) services. The DAD states, “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.”
*** ***, of our staff, was unsuccessful in her attempts to reach you by telephone to discuss your concerns. Nonetheless, a thorough review of your account was conducted and we confirmed that the application of the deposit hold was appropriate. If you have additional questions, Ms*** remains available to assist you
We appreciate you allowing us to reply to you.
Sincerely,
*** ***

April 13,
Mr*** *** Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding your check deposit via ATM
Our records confirm that you filed an inquiry with the Consumer Financial Protection Bureau (CFPB)We responded to the CFPB on April 13,
Thank you for the opportunity to reply
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because: They have taken the steps to really make an adequate effort to contact meThey have called me once and I have called back and cannot reach anyone when I return my phone callNo other contact has been made otherwiseI want both complaints on the Consumer Finance complaint and this complaint to be handles simultaneously as I feel they both are there for separate reasons and purposes
Regards,
*** ***

October 26, *** *** *** *** *** *** Complaint ID #: *** Dear *** *** I am responding to your second submission regarding your mortgage loanOur records confirm that you filed an inquiry with the Consumer Financial Protection Bureau (CFPB)We responded to the CFPB on October 21, Sincerely,
*** ***

September 17, *** *** ***
*** ** ** ***
Dear Mr***: I am responding to your submission regarding your checking account with the USAA Federal Savings Bank (FSB)Thank you for speaking with *** ***, of our staff, regarding the Legal Process Fee that was assessed to
your accountI understand you advised Mr*** that you would provide documentation verifying that the State of California processed the July levy in errorMr*** confirmed he has not received the documentsOnce this information is received and verified, we will refund $for the fee you incurredIf you have any questions, please contact Mr*** at *** *** *** ** *** *** *** *** Thank you for allowing us to reply to youSincerely, *** ***

July 28,
*** ***
Complaint ID #: ***
Dear Ms***:
I am responding to your submission regarding a deposit account with the USAA Federal Savings Bank (FSB)
Our records show that a USAA Secure Checking Account ending in *** listed you and *** *** as joint accountholdersOn May 19, and June 5, 2016, duplicate deposits were made to that account from an external bank and through Deposit@Mobile, respectivelyWe reversed the deposits which resulted in an overdraft balance and feesOn July 1, 2016, in accordance with the Depository Agreement Disclosure that is provided to all accountholders on new accounts and through usaa.com, a Right to Offset for the outstanding balance was processed and your online access was restrictedOn July 13, 2016, a notice was sent to the mailing address on file, informing you of the charged-off accountWe recovered the outstanding balance from the *** accountTherefore, no monies are owed to you
Lastly, in order to remove Mr*** from an account a request from him or an amended signature card from both accountholders is requiredThe FSB has received neither request
We appreciate you allowing us to reply to youIf you have questions, *** ***, of our staff, remains available to speak with you and she can be reached at *** ***, Extension ***
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because: While I am recognizing your decision, I feel confident that your decision Is inaccurate and based on assumption and no facts what so ever. No new information has been presented that would warrant to change my position, if I didn't receive the fees in questionI will have no choice but to take this matter to the Small claim court based on unauthorized charges especially when you advertise zero liability for unauthorized charges
Regards,
*** ***

May 23,
Sergeant *** ***, ARNG
Complaint ID #: ***
Dear Sergeant ***:
I am responding to your submission regarding your deposit accounts with the USAA Federal Savings Bank (FSB).
Due to the account activity, your accounts were
restricted in accordance with the Depository Agreement and Disclosures, which governs our deposit accounts, while we completed an investigation. Our investigation determined that no unauthorized activity occurred, and we removed the restrictions on your accounts. While we regret any frustration or inconvenience you experienced as a result of this matter, we respectfully decline your request for monetary compensation
Thank you for speaking with *** ***, of our staff, who discussed how to place travel notifications on your accounts to help prevent a recurrence. If you have additional questions, MsSalas remains available to assist you
We appreciate you allowing us to reply to you.
Sincerely,
*** ***