Robert W. Carpenter, Esq.

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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,
*** ***

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,
*** ***

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, *** ***

September 17, *** *** ***
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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, *** ***

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,
*** ***

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,
*** ***

November 8, 2017 Mr*** ** ***Complaint ID #: *** Dear Mr***: I am responding to your submission regarding the annual percentage rate (APR) offered by the USAA Federal Savings Bank (FSB) following your consumer loan application. Thank you for speaking with ***
***, of our staff, regarding your concerns. Prior to beginning a personal loan application at usaa.com, an applicant has the opportunity to review loan rates based on designated credit profilesAll four credit profiles state, “Rates are subject to change. To qualify for our lowest loan rates, you must have excellent credit and sign up for automatic payments. Annual Percentage Rates (APRs) are effective today and are our lowest rates for this credit profile.” Your credit score is just one of the factors USAA considers from your overall credit profile; some factors that may affect your ability to get the best APR are payment history, number of credit inquiries, utilization of revolving accounts, and recent account openingsIf you have additional questions, Mr*** remains available to assist you. We appreciate you allowing us to reply to you. Sincerely, *** ** ***

October 3, Ms*** ** *** Complaint ID #: *** Dear Ms***: I am responding to your submission regarding deposit accounts with the USAA Federal Savings Bank (FSB) Unfortunately, *** ***, of our staff, was unsuccessful in her attempts to
reach you by telephone or email. Our records indicate that on September 16, 2016, notification was sent to you advising that your account would be closed due to business usage. Per the Depository Agreement and Disclosures (DAD), which is provided to account holders at account inception and available on usaa.com, the FSB provides deposit accounts for family and household use and may close an account being used for business purposesAs a courtesy, the three NSF fees that the account accrued have been refunded. If you have any additional questions, Ms*** remains available, and may be reached at *** *** ***, Extension *** We appreciate you allowing us to reply to you. Sincerely, *** ***

September 23, 2016 Mr*** ** ***Complaint ID #: *** Dear Mr***: I am responding to your submission regarding a deposit to your USAA Federal Savings Bank (FSB) checking account. I regret any frustration this has caused. Thank you for speaking with
*** ***, of our staff, who confirmed we do not have a record of receiving a $cash deposit from you. As she explained, without any means of tracking this item to verify that the FSB received it, we are unable to credit you the $60. If you have any additional questions, Ms*** remains available to assist you. We appreciate you allowing us to reply to you. Sincerely, *** ***

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Dear Ms***
I am responding to your submission regarding your deposit account with the USAA Federal Savings Bank (FSB). I regret any frustration or inconvenience you experienced as a result of this matter
Thank you for speaking with
*** ***, of our staff, who explained the criteria that is reviewed to determine whether or not a hold is to be placed on a deposit. A thorough review of your account was completed and it was determined that you are responsible for the activity in your account. Therefore, we respectfully decline your refund request. If you have additional questions, Ms*** remains available to assist you
Please know that the FSB complies with all banking regulations and with our core values of service, loyalty, honesty, and integrity, and we respectfully disagree with your allegations of wrongdoing. We appreciate you allowing us to reply to you.
Sincerely,
*** ***

July 25, Lieutenant *** ** *** Complaint ID #: *** Dear Lieutenant ***: I am responding to your submission regarding your deposit account with the USAA Federal Savings Bank Unfortunately, *** *** ***, of our staff, was unsuccessful in her
attempts to reach you by telephone and online message to discuss your concerns. Nonetheless, Ms*** *** conducted a review of your account and determined that on April 20, 2017, the deposit account was overdrawn by $After an ATM rebate credit was applied to the account, the overdrawn balance was reduced to $ On April 26, 2017, we generated a statement informing you of the negative balance on your account. The statement was delivered to you via electronic documents on USAA.com in accordance with your preferences for document delivery. On the same day, we sent an alert to you via USAA.com explaining that per USAA’s guidelines, accounts are to be closed after the 41st consecutive day of being overdrawn. Subsequently, the account closed on May 31, 2017, with the remaining balance. Lieutenant ***, I hope this clarifies the matter for you; however, should you have additional questions, or wish to discuss the steps needed to continue banking with us, Ms*** *** remains available to assist you We appreciate you allowing us to reply to you. Sincerely, *** ***

Complaint: ***
I am rejecting this response because:1) The reason I did not pay my bill in full is that I use the on line payment option, and this on line payment option did not populate with the correct total monthly bill amount - even though I selected "pay in full" after the monthly bill was posted. Due to this computer glitch, I paid an amount which did not reflect the final day of charges. This computer glitch is a form of entrapment, in my opinion, as the payment option populates with the wrong amount if you pay within a day of the bill being posted, and then USAA is able to charge interest for one month due to you paying the wrong amount.2) This is not the first glitch I have experienced with USAA with respect to this complaint. The on line complaint / contact by email function did not work - it locked up partway thru initiating it. Also, *** tried to contact me, and left an extension to call him back at, but when I called the USAA number he gave me, there was no option to enter this extension, and only via going thru several layers of people was I able to leave him a message. I also left him a email message. He has not contacted me since his initial call
Regards,
*** ***

February 26, *** *** *** ** *** *** Complaint ID #: *** Dear *** ***: I am responding to the additional comments you presented on your Revdex.com submission regarding compensation for mortgage-related costsAs stated in our February 24, 2016, response, there are not specific regulations preventing us from providing you a reimbursement for the water test and pest treatmentWe acknowledge that you were misinformed that you would receive reimbursement for a fee that we would not typically refund to any other member*** ***, we have no further comment on this matterSincerely, *** ***

November 30, 2017 Mrs*** ***Complaint ID #: *** Dear Mrs***: I am responding to your second submission regarding your auto loan ending in *** with the USAA Federal Savings Bank (FSB). The FSB addressed your concerns on November 30, 2017, under complaint
#***. We appreciate another opportunity to reply to you. Sincerely, *** ** ***

Complaint: ***
I am rejecting this response because:
You failed to show me where I signed anything committing to a loanI am still requesting removal from this loan. In addition, I am requesting the following:Please send me copies of the notes on my account and any voice recordings you have of me starting on August 2014.Please send me a refund on my credit check monitoring service through USAAYou have locked me out of my online services so I have no way of utilizing the service that you are withdrawing money for every monthI'm pretty sure I've been locked out for four months now, possibly more.
Regards,
*** ***

Complaint: ***
I am rejecting this response because: I have not been convicted of insurance fraudNo judge has determined that I have defrauded USAAA person, who I have no idea if he is certified, decided that I was dishonestI served more than years in the military and was honorably dischargedWhat does that tell you? I did attach a letter from a guy who is an acquaintance who damaged my mirror. You are a joke of a company to not do a thorough investigation and to get rid of a disabled combat veteranI don't want anymore contact from you
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September 10,
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*** ** ** *** Dear Mr***: I am responding to your submission regarding your automobile insurance payment in August I regret that we did not meet your service expectations as we strive to provide quality service to our entire membership
Thank you for speaking with *** *** and *** ***, of our staff, regarding this matterAs Mr*** explained, the change in your automatic payment settlement date was the reason an automatic payment attempted to debit your USAA checking account on August 17, I understand Mr*** offered to return the $payment to your account as requested; however, you declined, and no changes were made to reestablish the automatic payment planOur records reflect that the $returned payment fee and the $NSF fee have been refunded to you as a courtesyShould you have any additional questions, Mr*** and Mr*** remain available to assist youWe appreciate the opportunity to review your concerns and to respond to youSincerely, *** ***

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,
*** ***

August 7, 2015 *** *** ***
*** ** ** *** Dear Mr***: I am responding to your submission regarding your USAA membership. I regret any frustration you have experienced, and I appreciate the opportunity to clarify our position. I understand you
spoke with *** *** and *** ***, of our staff, who apologized for the conflicting information you received and explained that there will be no change to our business decision. Another review of your situation confirmed you were advised that your membership restriction would be removed after an approved settlement of your charged-off debt. Our records reflect that the settlement payment was received; therefore, your membership restriction will be lifted Please note that although we have lifted the membership restriction based on the settlement, if your accounts are not maintained in good standing, the restriction may be reinstated Should you have any further questions, Ms*** is available to assist you and can be reached at *** *** *** ** *** *** *** ***. Thank you for allowing us to review your concerns and to reply to you. Sincerely, *** ***

Revdex.com:
I received the payment which was the subject of complaint ID ***. While I appreciate the payment, USSA should take further action to ensure its loan servicers abstains from further unethical action in the future
Regards,
*** ***