Robert W. Carpenter, Esq.

Complaint: ***
I am rejecting this response because: I am still without any way to pay my billsI for now will just leave it with the Inspector General of the Treasury as well as forward all communications to him and see what he can doI greatly regret putting my trust in USAA due to this incident.
Regards,
*** ***

December 6, Ms*** ** *** Complaint ID #: *** Dear Ms*** I am responding to your submission regarding your USAA Savings Bank (USB) credit card limit. I regret any frustration or inconvenience this has caused The USB periodically reviews
credit card accounts and automatically decreases the credit limit based on the account holder’s credit bureau information and the account’s overall performance history. Irma ***, of our staff, reviewed your account carefully and requested an exception; however, there is not an option to reinstate your credit limit. While we recognize that you disagree, we are confident the correct decision has been made. If you have any other questions, Ms*** remains available to assist you We appreciate the opportunity to reply to you. Sincerely, *** ***
Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

August 10, 2017 Mrs*** ** ***Complaint ID #: *** Dear Mrs***: 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, *** ** ***

December 6, 2016 Mr*** ***Complaint ID #: *** Dear Mr***: I am responding to your submission regarding your checking account with the USAA Federal Savings Bank (FSB) I understand that you spoke with *** ***, of our staff, who completed a review of
your account and verified that the nonsufficient funds (NSF) fees were appropriate. Our records show we refunded one NSF fee on November 23, 2016, and on November 10, 2016, the FSB provided refunds for two NSF fees you incurred on PayPal transactions. If 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: I would like a very sincere apology and action to take forth with the individual who was very disrespectful to meHe was NOT professional, helpful, or any of the qualities you assure all employees go through
Regards,
*** ***s

September 28, Sergeant *** ** *** Complaint ID #: *** Dear Sergeant ***: I am responding to your submission regarding your Visa debit card with the USAA Federal Savings Bank Unfortunately, *** ***, of our staff, was
unsuccessful in her attempts to reach you by telephone or email to discuss this matter with youOur records indicate that your new card was activated on September 20, Because your debit card has converted to Visa, the other MasterCards linked to your account, will no longer be valid. We are continually seeking ways to improve how we do business, and input like yours is very helpful; however, at his time we respectfully decline your request for compensation. Should you have any additional questions, Ms*** remains available to assist you We appreciate you allowing us to reply to you Sincerely, *** ***

May 9, 2017 Mr*** ** ***Complaint ID #: *** Dear Mr***: I am responding to your submission regarding your USAA Savings Bank credit card. I regret any inconvenience this matter has caused Thank you for speaking with *** ***, of our staff, who
recommended that you contact Client Services regarding your credit card, as it was assigned to this agency for balance recovery. Once the balance is paid in full, or settled, your online restriction will be removed, and it will reflect as paid on your credit report. 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

Mrs*** ***
Complaint ID #: ***
Dear Mrs***:
I am responding to your submission regarding the reporting of two loan accounts to the credit reporting agencies by the USAA Federal Savings Bank (FSB)
Our records confirm that you also 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,
*** ** ***

August 16, 2016 Ms*** ***Complaint ID #: *** Dear Ms***: I am responding to your submission regarding the security restrictions placed on your USAA Federal Savings Bank (FSB) debit card. I regret the frustration you experienced, as we strive to provide
quality service to our entire membership. Thank you for speaking with *** ***, of our staff, who explained the activity which led to your card being restricted. I understand that you declined the option to not have your card restricted with the understanding that any future unauthorized activity would be your responsibility I hope your conversations with Mr*** reassured you that your satisfaction is important to us. If you have additional questions, Mr*** remains available to assist you. We appreciate you allowing us to reply to you. Sincerely, *** ***

August 22,
Mr*** ***
Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding your accounts with the USAA Federal Savings Bank (FSB)
According to the Depository Agreement and Disclosures, the “FSB may close your account at any time without advance
notice.”
Our records show you spoke with a member of our staff on August 9, 2017, who explained the closure of your accounts and sent the balance of all of your deposit accounts via expedited checksIf you have additional questions, *** ** ** ***, of our staff remains available to assist you and can be reached at *** *** or *** ***, Extension ***
We appreciate you allowing us to reply to you
Sincerely,
*** ***

May 5,
Mrs*** ** *** Complaint ID #: ***
Dear Mrs***:
I am responding to your submission regarding your USAA Federal Savings Bank (FSB) deposit account
Thank you for speaking with *** ***, of our FSB staff, who explained that the temporary credit was removed
from your account after the merchant supplied documentation supporting the transactionMs*** uploaded a copy of the merchant’s response to your online documents, and she remains available to assist you should you have further questions
We appreciate you allowing us to reply to you
Sincerely,
*** ** ***

August 17, 2017 Ms*** ***Complaint ID #: *** Dear Ms***: I am responding to your submission regarding the reversal of duplicate credits from your USAA Federal Savings Bank (FSB) checking account. Thank you for speaking with *** ***, of our FSB staff, who
confirmed that duplicate credits totaling $were issued following your fraud claim. We regret the frustration and inconvenience you experienced, and we have addressed this matter with those involved. The nonsufficient funds fee assessed to your checking account was refunded on August 15, 2017. If you have additional questions, Ms*** remains available to assist you. We appreciate you allowing us to reply to you. Sincerely, *** ** ***

October 21, 2015*** *** ** *** ***
*** ** ** *** Dear *** ***: I am responding to your second submission regarding the interest rate on your USAA automobile loanWhile we recognize that you disagree with our response dated October 9, 2015, we feel confident that the correct decision has been made. No 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,*** ***

February 20, Mrs*** ** *** Complaint ID #: *** Dear Mrs***: I am responding to your submission regarding your deposit account with the *** Federal Savings Bank (FSB). I regret any frustration this matter may have caused you The
Depository Agreement and Disclosures (DAD), which is provided to account holders at account inception and available on ***.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.” Thank you for speaking with *** ***, of our staff, who confirmed that the hold on your funds was released February 14, 2017. I hope that your conversation with Ms*** reassured you that your satisfaction is important to us: however, should you have additional questions, she remains available to assist you at (***) ***-*** (***) or (***) ***-***, Extension *** We appreciate you allowing us to reply to you. Sincerely, Monika Mireles

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,
*** ***

February 15, Staff Sergeant *** ***, USA (Ret.) Complaint ID #: *** Dear Sergeant ***: I am responding to your submission regarding USAA’s Pay Bills service USAA sends payments made by check via USAA Pay Bills four days prior to the due date that
is entered to ensure payment is made on timeIf the payee receives the check early they can process the payment for collection before the scheduled date. We regret any frustration you experienced when you contacted USAA to discuss your concerns with the process. The nonsufficient funds fee you incurred was refunded on February 15, If you have additional questions, *** ***, of our staff, remains available to assist you We appreciate you allowing us to reply to you. Sincerely, *** *** Tell us why here

February 12, *** *** ** *** *** Complaint ID #: *** Dear *** ***: I am responding to your submission regarding your USAA brokerage accountOur records reflect that we sent you a notice about your account status on February 1, If you have any questions, please
contact a USAA Member Service Representative at *** *** *** *** ** *** *** Thank you for allowing us to reply to youSincerely, *** ** *** USAA means United Services Automobile Association and its affiliatesAccounts are introduced and brokerage services provided by USAA Financial Advisors, Inc(FAI) and USAA Investment Management Company (IMCO), both registered broker-dealers, Members SIPCClearing, custody and other services provided by National Financial Services LLC (NFS), Member NYSE, SIPC

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,
*** ***

September 1, Ms*** ** ***-*** Complaint ID #: *** Dear Ms***-***: I am responding to your submission regarding your USAA Federal Savings Bank (FSB) deposit account Thank you for speaking with *** ***, of our staff, who reviewed the
necessary documentation that is required to verify your identity. Our records indicate that we received your documentation, and access to your account was restored on August 29, 2017. If you have any additional questions, Ms*** remains available to assist you We appreciate the opportunity to reply to you. Sincerely, *** ***

February 15,
Mrs*** *** Complaint ID #: ***
Dear Mrs***:
I am responding to your submission regarding your ATM transaction on December 30,
Thank you for speaking with *** ***, of our staff, who confirmed the merchant provided documents indicating no
errors occurred during the transactionAs she discussed, the dispute can be reopened should you provide any supporting documentation
If you have additional questions on this matter or wish to submit additional documentation for consideration, MsMatykiewicz remains available to assist you
We appreciate you allowing us to reply to you
Sincerely,
*** ***