Robert W. Carpenter, Esq.

Complaint: ***
I am rejecting this response because:
Regards,
*** ***

December 23, Mr*** *** Complaint ID #: *** Dear Mr***: I am responding to your submission regarding your USAA property & casualty insurance accountThank you for bringing your concerns to our attentionI understand that *** ***, of our staff, contacted you
directly to address this matterHe remains available to assist you, and he can be reached at *** *** *** ** *** *** *** ***, to further discuss your situationWe appreciate the opportunity to reply to youSincerely, *** *** here

January 4, Mrs*** ** *** Complaint ID #: *** Dear Mrs***: I am responding to your submission regarding your checking account with the USAA Federal Savings Bank (FSB)I regret any frustration this situation has caused you Unfortunately, *** ***, of our staff, was unable to reach you. However, as indicated in her email message, she confirmed that your account was closed with a zero balance as of December 19, 2016. No additional fees were assessed before the closureIf you wish to discuss this matter further, Ms***cz remains available to assist you Thank you for bringing your concerns to our attention. While we understand the reason you chose to close your account, we hope you’ll allow us the opportunity to regain your trust in the future Sincerely, *** ***

October 14, 2016 Mrs*** ***Complaint ID #: *** Dear Mrs***: I am responding to your submission regarding your checking account with the USAA Federal Savings Bank (FSB) and the deposit holds. We regret any frustration this situation has caused. 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 unable to reach you to discuss your concerns. A review of your account determined that the account history was a factor for the holds. As holds were assessed appropriately, we respectfully decline your request to deviate from our current hold policy. If you have additional questions, Ms*** remains available to assist you. We appreciate you allowing us to reply to you. Sincerely, *** ***

December 23, *** *** *** *** *** Complaint ID #: *** Dear *** *** I am responding to your submission regarding your automobile policyWe regret the frustration you experienced*** ***, of our staff, has contacted you directly to address this matterShe
remains available to assist you and can be reached at *** *** *** ** *** *** *** *** We appreciate the opportunity to reply to youSincerely,
*** ***

August 15, 2017 Ms*** ***Complaint ID #: *** Dear Ms***: I am responding to your submission regarding your deposit account with the USAA Federal Savings Bank (FSB). Our records reflect that you reported three separate incidents of fraudulent activity on your
account in the form of unauthorized debit card transactions. An investigation of the transactions was initiated. The investigation determined that the same chipped debit card was used both before and after the reported unauthorized activity, with no PIN resets or failures, and the transactions took place in your geographic location; therefore, the fraud claims were denied. Your allegation of unprofessional behavior against our representative was unfounded. Ms***, please know that the FSB follows all banking regulations and acts in accordance with our core values of service, loyalty, honesty, and integrityLeigh Fritz, of our FSB staff, was unable to reach you to discuss the matter; however, she remains available to assist you if you have any questions. We appreciate you allowing us to reply to you. Sincerely, *** ***

July 20, 2015 Mrs*** ** ***Complaint ID #: *** Dear Mrs***: I am responding to your submission regarding the credit reporting issues and fraud case you filed with the USAA Federal Savings Bank (FSB). According to our records, you had three checking accounts
with the FSB, and each one was charged off due to negative balances. The checking account ending in *** was charged off on July 18, 2012, for $1,121.51. Your checking accounts ending in *** and *** were both charged off on July 20, 2012, in the amounts of $and $respectivelyThe charged off accounts are not being reported to the credit reporting agencies, but will continue to be reported to Telecheck until the balances are paid in full. In June 2012, a fraud review was conducted after we were notified that you and your husband were deployed. An Affidavit of Fraud was emailed to you for completion; however, we did not receive it, and the case was subsequently closed. In July 2015, you advised you were a victim of ID theft and another fraud review was completed, which determined the accounts were opened and the funds were utilized prior to the original claim of fraud. It was confirmed that you are responsible for the balances in the account If you have any questions, *** ***, of our staff, is available to assist you and can be reached at *** *** *** ** *** *** *** *** Thank you for allowing us to reply to you. Sincerely, *** *** This is an attempt to collect a consumer debt. Any information obtained may be used for that purpose

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meI appreciate the time that *** took into going over my issues and explaining things to meI also appreciate USAA's dedication to making things right and looking at this situation as a bunch of opportunities to improveWe have been with USAA for a long time and have always been impressed by their serviceI *** this is the only time I will have to look for help from an outside source. Again, thank you so much to USAA for following through and making things rightI really appreciate it.Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that while I don't appreciate USAA withholding my paychecks I understand they have the legal right to do so.
Regards,
*** ***

June 28,
Mr*** ** ***
Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding your deposit account
Our records confirm that you filed an inquiry with the Consumer Financial Protection Bureau (CFPB). We responded to the CFPB on June 28, 2016.
Thank you for the opportunity to reply
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because:I DID NOT cause the bank to suffer a loss, I had credit cards that were/are secured by CDs that cover the balanceI need to be able to access my account through my online message center.
*** ***

Complaint: ***
I am rejecting this response because: you did not supply me with the original SIGNED document which I allegedly signed stating your rules on that account that was opened prior to Instead you directed me to the current document Ii signed when I opened the new account in this document is crucial in the fact without it USAA without my consent took ALL the money out ofFurthermore you did not supply me with the statute in Texas where the account was assigned as to the length of time in which a closed account is collectableIn doing research is aprox 4-earsIn addition you could not tell me what these chargers were for and allow me to dispute themI have lived and communicated my addresses to USAA since I opened my first account in What it looks like to me is someone on your end made an error and you are not willing to correct thisI will not stop fighting this as a matter of principle as the the money is miniscule but the right to take without proof or dispute is unlawful and illegal The only correction that I would accept is acknowledgement that an error was made, closure of this matter with a refund of monies taken and owedMistakes in life happen and rest assured if this was mine I would have simply pain the small amount and moved but do not mistake my understanding what is right is right on both ends
Regards,
*** ***

March 9, Mrs*** *** Complaint ID #: *** Dear Mrs* *** I am responding to your submission regarding the activity in your USAA Federal Savings Bank (FSB) deposit accountOur records reflect that you spoke with an FSB representative on March 1, 2016, regarding your concerns and
the matter was resolvedWe appreciate you allowing us to look into this matter and reply to youSincerely, *** ** ***

August 21, 2015 *** *** *** ***Complaint ID #: *** Dear *** ***: I am responding to your second submission regarding your home mortgage experience. I regret that you had to contact us more than once to resolve this matter. I am pleased to hear that you spoke with *** *** who advised that your processing fee would be refunded. Should you have any further questions, Ms*** remains available to assist you. Sergeant ***, we appreciate the chance to review your concerns again, and we hope you will allow us the opportunity to restore your faith and confidence in our ability to serve you. Sincerely, *** ***

Complaint: ***
I am rejecting this response because:You gave no excuse for your refusal, just standard BS company policy line When are you guys going to wake up and start doing what is right for your customers Just because "this is how we've how always done it" , that doesn't mean it's the right way or ethical, just because something is lawful doesn't make it right
Regards,
*** ***

January 11, Ms*** *** Complaint ID #: *** Dear Ms***: I am responding to your submission regarding your deposit accounts with the USAA Federal Savings Bank (FSB) Thank you for speaking with *** ***, of our staff, who confirmed that your
deposit accounts were closed on January 8, 2018, in accordance with the FSB’s Depository Agreement and Disclosures. A letter with additional information was mailed to your address on file, along with checks for the account balances at closure. As Mr*** advised, you should receive the checks within two to three business days. If you have further questions, Mr*** remains available to assist you We appreciate you allowing us to reply to you. Sincerely, *** ** ***

August 8,
Mrs*** ** *** Complaint ID #: ***
Dear Mrs***:
I am responding to your submission regarding the charges assessed to your *** Federal Savings Bank (FSB) checking account by *** ** and our subsequent actions taken as a result of the negative balance in the
account
*** ***, of our staff, thoroughly reviewed the accounts involved and confirmed that the withdrawal to satisfy the overdrawn balance was appropriate and the actions taken were in accordance with the Depository Agreement and Disclosures (DAD)According to the DAD, which is provided to all account holders and is available on ***.com, “You agree that FSB may, without prior notice of demand, apply or setoff 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 FSBIn addition to its rights under the law (called “setoff”), you grant FSB a security interest in each account to secure such debt, as it may ariseYou expressly agree that such rights extend to any Federal or state benefit payments (including without limitation Social Security benefits) electronically deposited into your account.”
On February 2, 2017, you submitted a dispute with *** ** for $1,067.58, indicating the transaction was unauthorizedThe following day we posted a temporary credit for the same amount to the account ending in until the fraud investigation was completed, and we received additional documentation from you to substantiate your claimShortly after, the merchant posted credits to your account which totaled $240.19; consequently, the provisional credit was adjusted to $Between May and May 30, 2017, the merchant challenged the dispute and advised you were responsible for the outstanding balanceSince you did not provide proof to substantiate your claim and after review the merchant’s documentation, the FSB concluded you were responsible for the debtAccordingly, we sent you a letter to advise you that the temporary credit would be reversed on June 7, As such, the reversal of the $provisional credit yielded an overdrawn balance in the accountTherefore, on June 23, 2017, six Right to Offsets were processed from other accounts in an attempt to recover the overdrawn balanceSince the account ending in remained negative, it was charged off and closed with an overdrawn balance of $
Mrs***, our decisions are made with careful consideration, and I hope the information we’ve outlined clarifies the reasons for our actionsFSB adheres to all applicable banking regulations and to ***’s core values of service, loyalty, honesty, and integrity, and your allegations of wrongdoing are unfoundedShould you have further questions, Ms*** remains available to assist you, and she can be reached at (***) ***-*** (***) or (***) ***-***, Extension ***We appreciate the opportunity to review this matter and to respond to you
Sincerely,
*** ** ***

July 11,
Mr*** *** Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding your loan payments, and I regret any frustration this situation caused you
Thank you for speaking with *** ***, of our staff, who addressed your concerns
and accommodated your requestIf you have additional questions, Ms*** remains available to assist you
We appreciate you allowing us to reply to you
Sincerely,
*** ***

March 3,
Mr*** ** *** Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding your auto loanI regret the inconvenience this situation caused you
Thank you for speaking with *** ***, of our staff, who explained the amount of the
refund was based on the balance of the loan at the time the dealership provided the payoff, and confirmed that you received itAs discussed, due to USAA’s process, the refund was held seven days before being issued to you to verify the fundsIf you have additional questions on this matter, Mr*** remains available to assist you
We appreciate you allowing us to reply to you
Sincerely,
*** ***

May 1, Mr*** *** Complaint ID #: *** Dear Mr*** I am responding to your submission regarding your auto loan application Thank you for speaking with *** *** and *** ***, of our staff, who discussed the factors that affected
your approved rate and confirmed the approved loan is available to you through May 18, 2017. Should you have any further questions, please don’t hesitate to contact Ms*** On usaa.com, USAA Auto Circle notes annual percentage rates (APRs) as low as percent APR for the USAA Bank standard rate or percent APR with the USAA Car Buying Service DiscountThe disclosures indicate that rates vary based on approved credit and other factors and that “Displayed rates are our lowest Annual Percentage Rates (APR) and include a discount for automatic payments (0.25%)Rates subject to change without notice and vary based on approved credit and other factors, such as term, model year, and loan amount.” It’s important to note USAA Federal Savings Bank complies with all applicable banking regulations and with our core values of service, loyalty, honesty, and integrity. We appreciate you allowing us to reply to you. Sincerely, *** *** USAA Car Buying Service provided by TrueCar, IncUSAA Bank receives marketing fees in connection with the Car Buying Service