Robert W. Carpenter, Esq.

June 29, 2015 *** *** ** ***
*** ** ** *** Dear Mr***: I am responding to your submission regarding your checking account with the USAA Federal Savings Bank (FSB) Our employees are expected to provide members with accurate
information, and I apologize that this was not your experience. Please know that coaching has been provided to those involved. Thank you for speaking with *** ***, of our staff, who confirmed that your direct deposit was first applied to the charged-off balance of your checking account and that the remainder was deposited to your savings account with the FSB. Should you have any further questions, Ms*** remains available to assist you, and she can be reached at *** *** *** ** *** *** *** *** Thank you for the opportunity to further research this matter and to respond 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,
*** ** ***

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,
*** ***

March 3, Lieutenant *** ***, USAR Complaint ID #: ***
* Dear Lieutenant ***: I am responding to your submission regarding two funds transfers from your USAA Federal Savings Bank checking account that were not received by the intended party. I regret any
frustration this has caused Thank you for speaking with *** ***, of our staff, who researched your issue and determined that since the intended recipient does not have a USAA deposit account, the funds were sent via PayPal and the recipient must work with PayPal to claim the funds. A dispute request was sent to PayPal to determine the status on the transfers. On March 1, 2017, PayPal responded that the transactions were completed and the recipient had claimed the funds. Mr*** was unsuccessful in his attempts to reach you to discuss the outcome; nonetheless, he remains available if you have any other questions We appreciate the opportunity to reply to you. Sincerely, *** ***

March 21,
Captain J*** ** ***, USA (Ret.)
Complaint ID #: ***
Dear Captain ***
I am responding to your submission regarding overdraft protection for your deposit accounts
Thank you for speaking with *** *** of our staff, who explained the overdraft protection
processI understand we refunded two nonsufficient funds fees as well as the charge assessed by TargetIf you have additional questions on this matter, Mr*** remains available to assist you
We appreciate you allowing us to reply to you
Sincerely,
*** ***

October 17, Ms*** ** *** Complaint ID #: *** Dear Ms***: I am responding to your submission regarding your recent automobile claim and I regret any frustration this matter may have caused Thank you for speaking with *** ***, of our staff, who
discussed your concerns. As she discussed, each loss would be filed separately as they did not occur simultaneouslyA re-inspection with a USAA appraiser will be arranged to confirm if the bumper, alignment, and left strut are related to the first lossIf 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: The money was taken out of a youth account which REQUIRES my name to be on the account, therefor you are literally taking money from a minor, who is not obliged to this contract based on a loop holeMinors can not be held to these contracts, therefor you are holding a minor accountable without their ability to dispute or disclaimI have contacted other banks who have stated that while yes you CAN do this, do take from a youth account is NOT in the general practice of other financial institutions. I am requesting the Revdex.com look into the legal technicality of this claim since a minor is involved.
Regards,
*** ***

July 18,
Ms*** ** *** Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding late payments
Thank you for speaking with *** *** of our staff, who addressed your concernsIf you have additional questions, Ms*** 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 FDIC

October 18, Mrs*** ** *** Complaint ID #: *** Dear Mrs***: I am responding to your submission regarding your USAA Federal Savings Bank (FSB) deposit account. I regret any frustration or inconvenience this matter has caused you *** ***,
of our staff, was unable to reach you to discuss this matter. Nonetheless, she reviewed your account thoroughly and determined that you were a victim of account takeover due to an unauthorized $1,transfer. Ms*** confirmed that your account was reimbursed for the unauthorized transfer on October 3, 2017, and your account is no longer restricted. If you have any additional questions, Ms*** remains available to assist you We appreciate the opportunity 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,
*** ***

January 24, Corporal *** ** ***, USAR Complaint ID #: *** Dear Corporal ***: I am responding to your submission regarding the closure of your USAA Federal Savings Bank (FSB) deposit accounts. Pam ***, of our staff, was unsuccessful in
her attempts to contact you; nonetheless, a thorough review of your accounts was completed and it was determined that you participated in scam activity which resulted in the restriction of your accounts. Consequently, a decision was made to discontinue doing business with you. In accordance with FSB’s Depository Agreement and Disclosures, which is provided to all account holders at account inception and is available for review at usaa.com, the FSB is closing your accounts. If you have any additional questions, Ms*** remains available to assist you We appreciate the opportunity to reply to you. Sincerely, *** ***

July 29, Mrs*** *** Complaint ID #: *** Dear Mrs***: I am responding to your submission regarding your deposit account with the USAA Federal Savings Bank (FSB)Thank you for speaking with *** Moreno, of our staff, about your concernsFollowing a review of the account
activity, Ms*** confirmed you would remain responsible for the negative balanceWe appreciate your willingness to settle the accountOnce the balance is satisfied, you may contact the FSB to restore access to your usaa.com accountShould you have any further questions, Ms*** remains available to assist you, and she can be reached at *** *** *** ** *** *** *** ***
Thank you for allowing us to reply to youSincerely, *** ***

December 21, Sergeant *** ***, USA Complaint ID #: *** Dear Sergeant ***: I am responding to your submission regarding the restriction placed on your USAA Federal Savings Bank deposit account. We regret any inconvenience this matter may have caused you
Thank you for speaking with *** ***, of our staff, who explained why the restriction was placed on your account. She confirmed that all restrictions have been lifted, and your usaa.com access has been reinstated. If you have any other questions, Ms*** remains available to assist you We appreciate the opportunity to reply to you. Sincerely, *** ***

Complaint: ***
I am rejecting this response because: Discover loans has proof of sending the finds to USAA, and saying they indeed received the electronic depositPlease investigate Discver loans, *** ***-*** , my account# ***, and have them do an audit of their bank toverify that the money was indeed withdrawn from their bankSomeone has this money! This is insane, that of my money is lostSomeone has it and it has to be discover if mo USAA
Regards,
*** ***

February 23,
Mr*** *** Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding your online access
We restricted your website access due to suspicious activity that occurred on February 2, Thank you for speaking with *** ***, of our staff,
who confirmed with you that the activity on your account was unauthorizedI understand you declined MsPhillips’ offer to enable enhanced authentication and that you requested your website access remain restrictedIf you have additional questions on this matter, Ms*** 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,
*** ***

December 8, Mr*** ** *** Complaint ID #: *** Dear Mr***: I am responding to your submission regarding a USAA Federal Savings Bank auto loan that you state was opened without your authorization. I regret any frustration this may have caused
you. Thank you for speaking with *** ***, of our staff, who explained the loan process. He confirmed that USAA was obligated to fund the loan per the funding form provided to the dealership and that USAA acted appropriately in funding the loan. However, due to errors made during the funding process, the balance of the loan was waived. If you have any other questions, Mr*** remains available to assist you We appreciate the opportunity to reply to you. Sincerely, *** ***

August 14, 2017 Mr*** ***Complaint ID #: *** Dear Mr***: I am responding to your submission regarding your USAA Federal Savings Bank (FSB) checking account. Our records reflect that on June 6, 2017, after remaining overdrawn for consecutive days, the FSB
charged off your checking account with a negative balance of $52.40. The account was re-opened on July 24, 2017, to allow a direct deposit credit from *** ***. On July 25, 2017, the FSB employed its right to offset funds and debited $from your checking account to recover the previously charged-off amount. On July 26, 2017, you contacted the FSB to inquire on the availability of your funds, and a representative requested to have an official check issued from the account and expedited to your address on file. The following day, a second direct deposit from *** *** posted to your checking account. *** ***, of our FSB staff, was unsuccessful in reaching you to discuss your concerns. Nonetheless, Mr*** confirmed that the official check was delivered on July 27, In addition, the second direct deposit from *** *** was returned to the originating bank on August 1, 2017. The checking account was closed with a zero balance. Please ensure that you update your direct deposit information with your employer. If you have additional questions, Mr*** remains available to assist you. We appreciate you allowing us to reply to you. Sincerely, *** ** ***

June 22, Ms*** *** Complaint ID #: *** Dear Ms***: I am responding to your submission regarding your ability to access your son’s checking account while he is away at basic training 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, *** ***

November 3,
Lieutenant Commander *** ** ***, USCG
Complaint ID #: ***
Dear Commander ***:
I am responding to your submission regarding duplicate deposited funds
Thank you for speaking with *** *** of our staff, who addressed your concernsIf you have additional
questions, Ms*** remains available to assist you
We appreciate you allowing us to reply to you
Sincerely,
*** ***