Robert W. Carpenter, Esq.

December 28, 2016 Mrs*** ** ***Complaint ID #: *** Dear Mrs***: I am responding to your second submission regarding your three October 17, 2016, automobile claims. We responded to your complaint on December 14, 2016. Due to privacy laws in your state *** ***, of our staff, reached out to you directly to address your concerns. Should you wish to discuss the matter further, Ms*** remains available to assist you. We appreciate the opportunity to review your concerns again; however, we consider this matter closed. Sincerely, *** ***

June 12,
Dr*** ** *** Complaint ID #: ***
Dear Dr***:
I am responding to your submission regarding your ATM withdraw disputeI regret any frustration you may have experienced
Thank you for speaking with *** ***, of our staff, who confirmed a
provisional credit was posted to your accountAdditionally, she refunded an external bank fee and forwarded your feedback to the appropriate areaIf 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 made no changes or alterations to their previous responseUSAA has already acknowledge they were in error (grievous error) and had violated card member terms of agreement as they failed to present cause and reason for the card shutdownWe placed liens totaling $ 5,to $ 500,on respective properties belonging to USAARestitution and damages are warranted in this case as USAA with no cause or reason disrupted our business operations for over weeks.Regards,
*** ***

January 15, Sergeant *** ** ***, ARNG (Ret.) Complaint ID #: *** Dear Sergeant ***: I am responding to your submission regarding your deposit account On October 19, 2017, you deposited a check, and the next day, it was returned unpaid due to
nonsufficient funds (NSF). Subsequently, you asked that we obtain the funds from the external bank, and you were correctly advised that we are unable to compel the external bank to issue the funds. In an effort to assist you, we held a conference call on October 31, 2017, with the external bank, and their representative confirmed the check was returned for NSF. You later advised us that you were pursuing the funds with that bank. Thank you for speaking with *** ***, of our staff, who confirmed your account balance is correct. We have no record of $30,missing from the account, and we have received no evidence to support any missing fundsThe USAA Federal Savings Bank acts in accordance with all applicable banking regulations, the USAA Depository Agreement and Disclosures, and with our core values of service, loyalty, honesty, and integrity, and your allegations of impropriety are unfounded. 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,
*** ***

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, *** ***

January 8,
*** *** *** *** Complaint ID #: *** Dear Mrs***: I am responding to your second submission regarding your deposit accounts with the USAA Federal Savings Bank (FSB)While we recognize that you disagree with our December 30, 2015, response, we feel confident with the handling of this situation and the information that has been relayed to youAs previously referenced, the FSB’s Depository Agreement and Disclosure specifically states, “You agree that FSB may, without prior notice or demand, apply or set off the funds in your account (and accounts you own with others) at any time to pay any debt, whether direct or indirect, that you have with FSB, and/or any fees or service charges owed to FSB.” It is important to note that actions taken by the FSB are due to account activity you are responsible forNo new information has been presented that would warrant a change in our positionThank you for the opportunity to review your concerns again; however, we consider this matter closedSincerely,
*** ***

March 16,
Mr*** ** *** Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding your credit card and your deposit account with the USAA Federal Savings Bank (FSB)
We regret any frustration you experienced, and we appreciate you speaking with ***
*** and *** ***, of our staff, who addressed your concernsIf you have additional questions, Ms*** and Ms*** remain 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 FDICOther bank products are issued and serviced by USAA Federal Savings Bank

December 28, Ms*** ** *** Complaint ID #: *** Dear Ms***: I am responding to your submission regarding the unauthorized transactions in your deposit account Our records show a provisional credit of $posted to your account on
December 22, 2017. Subsequently, the merchant issued refunds totaling $on December 26, 2017. We are unable to stop a pending charge from posting, and USAA has business days to issue credits. We regret that you were advised otherwise, and your feedback was shared with the appropriate areas. On December 27, 2017, we emailed to advise you the provisional credit will be debited from your account on January 4, *** ***, of our staff, was unable to reach you to discuss this matter. If you have additional questions, Ms*** remains available to assist you We appreciate you allowing us to reply to you. Sincerely, *** ***

Revdex.com:
Even thou I am not happy with this whole situation, I'm done. In the following weeks, I be closing all my accounts and my insurance with USAA and transfering to a different agnecy. I still feel the problem was not corrected properly, but it feels I am just going in circles and no one wants to confuse to anything. USAA once said they were not like other banks and they were there for their customers.
Regards,
*** ***

September 16, 2015 *** *** ***
*** ** ** *** Dear Mr***: I am responding to your submission regarding your request for USAA to complete a form SR-to reinstate your son’s driver’s license Our employees are expected to be courteous and handle
matters in a timely manner, and I regret any frustration you experienced during your interactions with USAA. Please note that we have no record of receiving the letter you stated was faxed to us. We appreciate you speaking with *** ***, of our staff, to clarify USAA’s position. While the collection file has been closed and collection efforts have ceased, you still remain responsible for the debt as our liability decision has not changed. Therefore, USAA is unable to sign the form SR-11, and we will not pay for any fees you incurred from the Texas Department of Public Safety. Thank you for allowing us to review this matter again and to respond to you Sincerely, *** ***

June 1, Mr*** ** *** Complaint ID #: *** Dear Mr***: I am responding to your submission regarding a deposit hold in your USAA Federal Savings Bank checking account Our records confirm that you filed an inquiry with the Consumer Financial
Protection Bureau (CFPB). We will respond to the CFPB accordingly Thank you for the opportunity to reply Sincerely, *** ** ***

Complaint: ***
I am rejecting this response because I believe that it does not address the fundamental problem of the deceptive nature of the advertising While the fact that you've had folks at USAA look at this, it's clear to me that USAA is being deceptive in its advertising
Regards,
*** ***

January 24, 2017 Sergeant *** *** ***, USA (Ret.)Complaint ID #: *** Dear Sergeant ***: I am responding to your submission regarding USAA Federal Savings Bank (FSB) checking account *** ***, of our staff, was unsuccessful in her attempts to contact
you to discuss your concerns. Our records show that you made an external funds transfer for $on January 10, 2017, and a seven day hold was placed on $due to previous returned transfers. The Depository Agreement and Disclosures, which you received at account inception, states that “FSB will hold 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 factors as FSB, in its sole discretion, deems relevant.” A review of your account shows that there are currently no holds on the funds in your FSB checking account. If you have any other questions, Ms*** remains available to assist you We appreciate you allowing us to reply to you. Sincerely, *** ***

August 28, Ms*** *** Complaint ID #: *** Dear Ms***: I am responding to your second submission about the handling of the charged-off joint credit card account with the USAA Federal Savings BankWe responded to your original complaint on August 14, 2015, and while we recognize that you disagree with our actions, we feel confident that the correct decision has been madeSince this was a joint account, both you and your ex-spouse are responsible for the debtAs Ms*** previously explained, the balance has been charged off, and USAA is no longer attempting to collect on the debtHowever, if either party wishes to establish new accounts with USAA, the outstanding balance must be paid in fullWe appreciate the opportunity to review your concerns again; however, we consider this matter closedSincerely,
*** ** *** Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

May 7, Ms*** *** *** Complaint ID #: *** Dear Ms***: I am responding to your submission regarding your credit card accountOur records confirm that you filed inquiries with the Consumer Financial Protection Bureau (CFPB) about your USAA Federal Savings Bank (FSB) credit card
accountOn January 22, 2015, and March 9, 2015, we responded to the CFPB, and with the last reply, we included a copy of the credit card statement that showed the final payment receivedWe regret that you remain dissatisfied with our previous responses to you about this matterWe are accurately reporting the charged-off credit card balance, which will continue until seven years from the date of delinquency in accordance with the Fair Credit Reporting Act; we have appropriately answered the consumer reporting agency disputes you submitted; and we are not making collection attempts on the accountIn addition, our January CFPB response did not indicate that the debt was canceledOur thorough reviews of your account confirm that the FSB handled this matter correctlyWe strongly disagree with your allegations of wrongdoing and respectfully decline to comply with your requests to remove the account from your credit history or to cease use of your name and social security number when it is relevant to conducting our business in compliance with banking guidelinesThank you for the opportunity to revisit your concerns and to reply to you againSincerely, *** *** Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

Complaint:
I am rejecting this response because:USAA did still have false/misleading advertisements in the first place which originally were the reason I applied for the card While I understand they were not willing to amend my credit report, they were also unwilling to change the reward schema to a different, more beneficial one to me, utilized by other cards they offer If this situation isn't resolved, while I may not close the card immediately because of how it could affect my credit, my spend on this card will be significantly lower, if not nonexistent, compared to what it could've been and USAA can rest-assured that I will in fact close this card when an appropriate time comes to do so
Regards,
*** ***

October 30,
Colonel *** ***, USAFR (Ret.)
Complaint ID #: ***
Dear Colonel ***:
I am responding to your submission regarding your mortgage payments
Our records confirm that you filed an inquiry with the Consumer Financial Protection Bureau (CFPB)We will respond to
the CFPB accordingly
Thank you for the opportunity to reply
Sincerely,
*** ***

November 3, Mr*** *** Complaint ID #: *** Dear Mr***: I am responding to your submission about your unsecured personal loan with USAA Federal Savings Bank Thank you for speaking with *** ***, of our staff, regarding your
concerns. As she discussed, a thorough review of your payment history was completed, and we confirmed that your unsecured personal loan account is being reported correctlyIn addition, we respectfully decline your request to adjust your credit report, as USAA must comply with Fair Credit Reporting ActShould you have additional questions, Ms*** remains available to assist you We appreciate you allowing us to reply to you. Sincerely, *** ***

April 3,
Mr*** ** *** Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding the funds transfersI regret the frustration this situation caused you
I understand your spouse spoke with *** *** of our staffIf you have additional
questions on this matter, MrRico remains available to assist you
We appreciate you allowing us to reply to you
Sincerely,
*** ***