Robert W. Carpenter, Esq.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meHowever, I phone numbers on my account and they did not try to call me as statedEach time I called in, I ga e them my cell phone as the best number to reach meI have calls from USAA! I find this absurd that it takes over a month to rectify this and then they say they tried to call me Even if that was the case, why couldn't they fix it when I repeatedly called in about thisLiars!
Regards,
*** ***

Complaint: ***
I am rejecting this response because:When I called USAA to close this account, so no one else can use this account to cash fake checks, the agent could clearly see that their was suspicious activity and advised me to file another claim/complaintI don't understand how the agent can see that it wasn't us but the fraud department can't see thatAt this point it is not about the money since USAA already took the money out of my accountI want to know what is USAA doing to protect their customers from this happening again
Regards,
*** ***

*** ** *** *** ** ***
*** *** *** ** *** ***
*** ** ** ***
*** *** *** I am responding to your submission regarding the handling or your mortgage loan refinance request through the USAA Federal Savings Bank (FSB)I understand Senior
Member Relations Advisor *** *** spoke with you in detail about your concernsAs he explained, the option to dispute the appraisal conducted on your property is not availableIn addition, Fair Lending guidelines require equal treatment for all borrowers; therefore, we must respectfully decline your request to pay your closing costs*** ***, we realize this is not the outcome you were seeking but hope you understand our positionThank you for the opportunity to review this matter and respond to youSincerely, *** ** ***

September 8, 2015 *** *** ***
*** ** ** *** Dear Ms***: I am responding to your submission regarding the joint checking account with the USAA Federal Savings Bank (FSB). I regret any frustration or inconvenience you experienced while attempting to close
the joint checking account ending in ***. Thank you for speaking with *** ***, of our staff, who identified opportunities in the handling of your request, and I can assure you coaching has been provided to those involved to ensure other members do not have a similar experience. As Ms*** advised, the joint checking account is closed, and as a courtesy, a credit has been applied to your individual checking account in the amount of $ Please know that the FSB acts in accordance with all applicable laws and regulations as well as with our core values of service, loyalty, honesty, and integrity. Should you have any additional questions, Ms*** remains available to assist you. Thank you for allowing us for the opportunity to reply to you. Sincerely, *** ***

March 23,
Mr*** *** Complaint ID #: ***
Dear Mr***
I am responding to your submission regarding your automobile claim
Thank you for speaking with *** ***, of our staff, who thoroughly reviewed the matter and addressed your concernsAs she explained,
the Bank is handling the total loss protection plan and they will contact you accordingly
We appreciate the opportunity to reply
Sincerely,
*** ** ***

January 30, 2018 Ms*** ** ***Complaint ID #: *** Dear Ms***: I am responding to your submission regarding your deposit account with the USAA Federal Savings Bank (FSB). Our records show that you contacted the FSB in November to dispute a $
charge from ***. A provisional credit of $was issued to your account, and an email was sent to you requesting additional documentation by December 29, 2017. The FSB noted that *** issued a $refund to your account in October 2017; as such, the FSB made a business decision to credit the difference of $on December 22, 2017. The FSB did not receive the requested documentation by the date specified, and an email was sent to inform you that the provisional credit would be reversedOn January 2, 2018, the FSB reversed the credit from your account as an “ATM ADJUSTMENT DEBIT.” FSB deposit accounts are governed by the Depository Agreement and Disclosures (DAD), which is provided to all account holders and is available for review at usaa.com. Regarding funds availability, 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 reaching you to discuss your concerns. If you have additional questions, Ms*** remains available to assist you. We appreciate you allowing us to reply to you. Sincerely, *** ** ***

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, *** ***

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
*** ***

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, *** ***

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,
*** ***

September 10,
*** *** ***
*** ** ** *** 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, *** ***

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, *** ***

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, *** ** ***

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,
*** ***

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

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,
*** ***

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, *** ** ***

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, *** ***

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:USAA states this: "We responded to the CFPB on July 10, 2015, and you will receive a response to your concerns via the CFPB."When will we recieve a response? How is it USAA responded to CFPB and we do not know what that is? Is the CFPB and USAA working together to defraud this consumer and withhold info?
Regards,
*** ***