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 me
Regards,
*** ***

January 17,
Captain *** ** ***, USA
Complaint ID #: ***
Dear Captain ***:
I am responding to your submission regarding your stop payment request
I am sorry to hear about the frustration you experienced as we strive to provide quality service to our membershipOur
research shows that a permanent credit was issued to your account on January 9, 2017, to offset the funds that cleared your accountUnfortunately, *** ***, of our staff, was unable to reach you to discuss your concerns and she remains available to assist you at (***) ***-USAA (***) or (***) ***-***, Extension ***
We appreciate you allowing us to reply to you
Sincerely,
*** ***

December 7,
Mr*** *** Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding a check deposited into your checking account with the USAA Federal Savings Bank (FSB)
The check was returned and a $fee assessed in accordance to the Depository
Agreement and Disclosures (DAD), which governs all FSB deposit accounts and is provided to all account holdersYou can find the pertinent information under the section “Returned Items.”
*** ***, of our staff, was unable to reach you by phone to address your concernsOur records show that on November 29, 2017, you successfully deposited a check for the amount of $8,If you have additional questions, Mr*** remains available to assist you
We appreciate you allowing us to reply to you
Sincerely,
*** ***

Complaint:
I am rejecting this response because:I was received a phone call from the CEO office upon submitting to the Revdex.comI will NOT let this goFirst of all, it is incorrect that we were made aware of the increased amount to be placed on holdIf you check on Friday when my husband submitted it will show only was placed on hold which was further noted by myself and my husbandUpon noticing more was on hold a phone call was performed to the customer service agents who stated our bank account had updated since it was the weekendNo one would help usUpon calling BB&T where the check originated the customer service department was quickly able to send where I needed to be and had a phone number for my bank to validateMy concern is lack of customer serviceThey would not do anything to assist us.I think it is wrong and a however legal, is not good customer service that USAA advertises onThis is the money of hard working military personnel and after all they have been through should not have to fight to use their own money. It is discrimination that they are able to hold the amount without letting us know or even at all based on what we put in that accountWe are required to have another account for our mortgage and thus our money stays in thereWe have been using USAA as a place to deposit our weekly spending budgetI do not feel that it should be required to explain what we do with our money. Our family brings in over 200,a year and USAA has completely stopped themselves from receiving any of our business over thisWe will be pulling out our insurances, our daughter's college funds, and our checking and savings out due to thisNot that I believe this will reach the CEO but we are very young in our early 30's and just because of their unwillingness to work with us and treat us like a customer they will miss out on all those avenues of revenue for 50-years over just dollarsThat is not what I consider smart business moves.
Regards,
*** ***

January 5, Ms*** ** *** Complaint ID #: *** Dear Ms***: I am responding to your submission regarding your debit card fraud claim We regret that *** ***, of our staff, was unable to reach you to discuss your concerns In
reviewing this matter, it was determined that additional clarification is required. Please contact Ms*** at your earliest convenience We appreciate you allowing us to reply to you. Sincerely, *** ***

October 7, *** *** ** ***
*** ** ** *** Dear Mrs***: I am responding to your submission regarding your deposit accountOur records confirm that you filed an inquiry with the Consumer Financial Protection Bureau (CFPB)We responded to the CFPB on August 27,
Thank you for the opportunity to replySincerely, *** ***

November 1, Sergeant *** ** *** USA (Ret.) Complaint ID #: *** Dear Sergeant ***: I am responding to your submission regarding your accounts with the USAA Federal Savings Bank (FSB) and your insurance application. Thank you for speaking with ***
***, of our staff, who explained that your stepson and daughter-in-law were added to your profile as related persons and that eligibility verification restrictions were placed on your profile pending verification of your military service. In addition, the FSB’s Depository Agreement and Disclosures and the USAA Credit Card Agreement indicate that federal law requires us to obtain, verify, and record your name, address, date of birth, and other information that will allow us to identify you when you open an account and in certain other circumstancesThe FSB requested a copy of your social security card, proof of residence, and a valid government-issued ID and placed a block on your profile pending receipt of the documentation. The documentation you subsequently submitted was not sufficient to validate your identity. As of this writing, we are pending receipt of the requested documentation We appreciate the opportunity to reply to you Sincerely, *** ***

Complaint: ***
I am rejecting this response because: The myopic reply to the CFPB there was no ereo with their ATM is a bold face lie! They should be ashamed of their behavior.
Regards,
*** ***

June 1, Mrs*** ** *** Complaint ID #: *** Dear Mrs***: I am responding to your submission regarding the credit card you hold with the USAA Federal Savings Bank (FSB)I regret any inconvenience this matter may have caused youThank you for speaking with Albert Garcia, of
our FSB staff, who explained to you the events that transpired with your credit cardHe also accommodated your request for the $payment reversalAs he stated, he will follow up with you to ensure that you receive your VISA credit cardIf you have additional questions, MrGarcia remains available to assist youWe appreciate you allowing us to reply to youSincerely, *** *** Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12516993, and find that this resolution is satisfactory to meI do however believe that the situation should not have had to go this far just to get my money back from USAAI been a loyal USAA member for a long time, and still feel like I am being treated like the thief
Regards,
*** ***

July 20, Ms*** *** Complaint ID #: *** Dear Ms***: I am responding to your submission regarding the nonsufficient funds (NSF) fees that posted to your USAA Federal Savings Bank (FSB) checking accountWe regret any frustration you experiencedI understand you spoke
with *** ***, of our staff, who confirmed that the fees were applied in accordance with USAA’s Depository Agreement and Disclosures, which was provided to you at the inception of the account and is also available on usaa.comAs she discussed, the deposit posted after the 8:p.mcutoff time, so the funds were not available to cover the attempted debit on July 5, Ms*** also confirmed that you have received NSF fee refunds totaling $over the last yearSincerely, *** ***

December 30,
*** *** *** ***
Complaint ID #: ***
Dear Mrs***:
I am responding to your submission regarding your deposit accounts with the USAA Federal Savings Bank (FSB).
The FSB’s actions taken to offset the negative balance of your account ending in
are in accordance with the FSB’s Depository Agreement and Disclosures (DAD), which is provided to all account holders and is available for your review on usaa.com. The DAD states, “Each joint account holder authorizes FSB to exercise setoff and enforce its security interest in the entire joint account, even though only one of the joint account holders is the debtor, and irrespective of who contributed funds to the account.” The DAD further notes that the setoff of funds may occur at any time, without prior notice or demand, to pay any debt, whether direct or indirect, that you have with FSB, and/or any fees or service charges owed to FSB
The FSB acts in accordance with our core values of service, loyalty, honesty, and integrity, and we reject your implications of impropriety.
Should you have additional questions, Albert Garcia, of our FSB staff, remains available to assist you. Thank you for allowing us to reply to you.
Sincerely,
*** ***

October 18,
MrRick A***
Complaint ID #: ***
Dear Mr***:
I am responding to your second submission regarding your loan applications
We responded to your complaint today, October, 18, While 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 position
We appreciate the opportunity to review your concerns again; however, we consider this matter closed
Sincerely,
*** ***

July 7,
Ms*** ** *** Complaint ID #: ***
Dear Ms***
I am responding to your submission regarding the fraudulent transactions on your checking accountI apologize for the inconvenience you recently experienced as we strive to provide quality service to our
entire membershipCoaching has been provided to those involved to ensure other members do not have a similar experience
Thank you for speaking with *** ***, of our staff, regarding the status of your accountsI hope your conversation with Ms*** helped reassure you that your satisfaction is important to us and member service remains our top priorityAs she explained, the restriction was inadvertently placed on the accounts, but it has since been removed and full access has been reinstated
We appreciate you allowing us to reply to you
Sincerely,
*** ** ***

January 30, Ms*** *** Complaint ID #: *** Dear Ms***: I am responding to your submission regarding a deposit hold. We regret any inconvenience this may have caused you *** ***, of our staff, was unable to reach you to discuss this
matter; nonetheless, he confirmed that the USAA Federal Savings Bank acted appropriately and a portion of your deposit was held in accordance with the Remote Capture Deposit User Agreement, which you received upon opening your account. Furthermore, when you initiated the deposit, the hold details including the amount and duration of the hold were displayed prior to you completing the deposit. This gave you the option to make other arrangements if you needed immediate access to the funds. Although no bank error occurred, Mr*** confirmed that a representative refunded the $overdraft fee, as a courtesy. We appreciate the opportunity 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,
*** ***

October 6, Mr*** ** *** Complaint ID #: *** Dear Mr***: I am responding to your second submission regarding your October 1, 2014, rental property claimWe responded to your complaint on September 15, While we recognize that you disagree, we feel confident that the correct decision regarding the coverage 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, *** ***

February 7, 2017 Dr*** ***Complaint ID #: *** Dear Dr***: I am responding to your submission regarding your automobile loan, and we regret any frustration you may have experienced. I understand you spoke with *** ***, of our staff, about your
concerns. Our research confirms the loan payment reversal processed on January 23, 2017. Additionally, Ms*** reversed the $non-sufficient funds fee charged to your account. If you have additional questions, 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 10997532, and find that this resolution is satisfactory to me
Regards,
*** ***

May 18, Mr*** ** *** Complaint ID #: *** Dear Mr***: I am responding to your submission regarding your vehicle titleI regret any frustration you have experienced as we strive to provide quality service to our entire membershipOur records indicate that your auto loan
account was charged off for nonpayment on February 11, 2008, and we are no longer actively collecting on the balanceUSAA is required to file a Form 1099-C upon the occurrence of an identifiable event, such as a charged-off account determined to be uncollectableHowever, as noted by the IRS, Section 6050P of the IRS regulations does not prohibit collections activity after a creditor files a Form 1099-C, as the debtor remains liable for the debtAs such, your request for the title to the vehicle can be honored when the balance is paid in full*** ***, of our staff, was unsuccessful in reaching you by telephone to discuss the matter in detailIf you have additional questions, Mr*** can be reached at *** *** *** or *** *** *** *** ***We appreciate you allowing us to reply to youSincerely, *** ***