Robert W. Carpenter, Esq.

May 12, Mrs*** *** Complaint ID #: *** Dear Mrs***: I am responding to your submission regarding your USAA Savings Bank credit card. Thank you for speaking with *** ***, of our staff, who confirmed that your account would be returned
to a closed status and will appear as such on your credit report. The charge off reporting will be removed from your credit report as well. If you have any additional questions, Mr*** remains available to assist you We appreciate you allowing us to reply to you. Sincerely, *** ***

February 1,
Mr*** *** Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding GAP insurance
Thank you for speaking with *** ***, of our staff, who confirmed GAP insurance was not provided when you signed the contract due to the age of the
vehicleAs the loan was reported accurately to the consumer reporting agencies in accordance with the Fair Credit Reporting Act, we must respectfully decline your request to remove the account from your credit reportPlease know that we conduct business in keeping with USAA’s core values of service, loyalty, honesty, and integrity, and your allegations of wrongdoing are unfoundedIf 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 am rejecting this response because: I am still in the process of settling
Regards,
*** ***

Complaint: ***
I am rejecting this response because:I was told we could expedite the process by numerous USAA employee's*** *** provided what USAA requested (numerous times), they also stated anybody from USAA could have picked up the phone and contacted *** *** and verified the check and sufficient fundsI was also told this is common between banks.Somebody at USAA made a decision not to expedite and that decision was not going to be overturned.I can only hope the next time you write a personal check for $23,(I doubt you ever will) that you receive the same horrible customer serviceand have numerous days wasted in phone calls and afternoons taken off workand then you would take care of this issue properly.Try again!
Regards,
*** ***

Complaint: ***
I am rejecting this response because:I had to go as far as to contact the CEO, with this issue and rest assured the money has been refunded aside from what your policy states. however I am still very upset that something so simple required as much workThere is still without a doubt, a flaw in your policy as I have discussed with mutiple employeesMy example is if my friend sitting next to me is also in the active military and claims Florida as his/her residancy but is stationed in California at a military facility, It will pop up as them being in california stating they owe CA state taxesSo according to your employees your policy states that when they recieve tax levys they are required to process it no matter what, as soon as possibleOne employee even stated as I was on the phone with them that if we recieved a fax right now for the levy we would still have to process itSo I asked why wouldnt you call the bank customer about it before processing? I mean you essentially work for the customerThe response was we arent allowed to make that judgment.My response was there is a reason they hired a human instead of replacing you with a computer, its because you have the judgmentWhat im saying is this will eventually happen to everyone if the policy is not corrected, and you will have more issues throughout the company with military membersI am sure im not the first one with this issue nor will I be the last sadly

April 13,
Master Sergeant *** ** ***, USAFR
Complaint ID #: ***
Dear Sergeant ***:
I am responding to your submission regarding your membership
Thank you for speaking with *** ***, of our staff, who removed your contact information from your profile
as well as discontinued future marketingIf you have additional questions on this matter, Ms*** remains available to assist you
We appreciate you allowing us to reply to you
Sincerely,
*** ***

August 21, 2015 Mrs*** K***Complaint ID #: *** Dear Mrs***: I am responding to your submission regarding your deposit account and credit card with the USAA Federal Savings Bank. 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, *** *** Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC. Other bank products are issued and serviced by USAA Federal Savings Bank

March 21,
Ms*** ** *** Complaint ID #: ***
Dear Ms***:
I am responding to your submission regarding your credit card reporting
Thank you for speaking with *** ***, of our staff, who explained how USAA reports to our credit reporting agenciesIf you have
additional questions on this matter, Mr*** 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

February 9,
Sergeant *** ** ***
Complaint ID #: ***
Dear Sergeant ***:
I am responding to your submission regarding NSF fees assessed to your checking account
Our records reflect that on January 19, 2018, you inquired about a scheduled paymentWe explained
the status of the check, advised of the option to place a stop payment, and provided instructions for requesting a stop payment onlineThe following day, you called and requested a stop payment on the checkUnfortunately, the call was disconnected before the process could be completed; therefore, a stop payment was not placed on the check
We regret any frustration or inconvenience you experienced, and we issued an $courtesy credit to your checking account on February 2, 2018, for the three NSF feesMichael Rico, of our staff, was unsuccessful in his attempts to reach you to discuss this matterIf you have any other questions, MrRico remains available to assist you
We appreciate you allowing us to reply to you
Sincerely,
*** ***

February 10, *** *** ** *** *** Complaint ID #: *** Dear *** *** I am responding to your submission regarding your deposit accounts with the USAA Federal Savings Bank (FSB)We strive to provide quality service to our entire membership, and I regret any frustration you
have experienced with your accountAccording to the FSB's Depository Agreement and Disclosures (DAD), which is provided to all account holders and is available on usaa.com, “if FSB suspects that irregular, unauthorized, or unlawful activities may be involved with your account, FSB may 'freeze' (or place a hold on) the balance in your account and in other FSB accounts, without any liability to you, pending an investigation of such suspected activitiesIf FSB freezes your account, FSB gives any notice required by law.” As you know, an investigation was initiated, your deposit accounts were placed in a credits-only status, and the FSB provided any notice that was required by lawThank you for speaking with *** ***, of our staff, who thoroughly reviewed your account and reiterated that as a result of our investigation, we have determined that you remain liable for the account activity and negative account balanceShould you have any further questions about this matter, MsGallegos remains available and can be reached at *** *** *** ** *** *** *** *** Please note that in keeping with the company’s core values and our commitment to the membership as a whole, USAA has adopted a policy that affects members who do not meet certain obligations with usTo the extent allowed by law, our business policy prohibits USAA and our affiliates from doing business with a member who has engaged in fraudulent activity and caused USAA to suffer a financial lossWe appreciate you allowing us to reply to youSincerely, *** ***

Complaint: ***
I am rejecting this response because: I was told they would do a follow up with me and discuss things once the evaluation was done with *** and I was hung up on nothing was solved nor discussed they lied to me as they are you I was told to get inspections and appraisals and he told me to give him my paperwork about my earnest money and it would be refunded to me as they have everything but lied and said he can't find any of my documents stating anything for the loan but now you have how the loan was generated which was on the internet and then the phone because of errors via online
Regards,
*** ***

January 3, Mr*** *** Complaint ID #: *** Dear Mr***: I am responding to your submission regarding your Secured American Express applications with the USAA Savings Bank and I regret any frustration this matter may have caused Unfortunately, *** ***, of our staff, was unsuccessful in her multiple attempts to contact you to discuss your concernsUpon inception of the account, proper disclosures were presented on usaa.com to allow seven to ten business days for delivery after we receive and verify the Certificate of Deposit (CD) was successfully funded. On December 17, 2016, the secured credit card was mailed to the address on file and remains active. Should 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. Other bank products are issued and serviced by USAA Federal Savings Bank

March 5, Mr*** ** *** *** Complaint ID #: *** Dear Mr***: I am responding to your follow up submission regarding your recent application to refinance your VA mortgage loanThe concerns you addressed in your original submission to the Revdex.com are the same you also addressed with the Consumer Financial Protection Bureau (CFPB), which are currently under reviewYou will be contacted in the next few days to discuss the matter, and we will be providing a written response to you via the CFPB portalWe appreciate your patience while we look into your concernsSincerely, *** ** ***

August 1,
Mr*** ** ***
Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding your auto loan with the USAA Federal Savings Bank (FSB)
We are currently researching this matter, and we will reply once our review is complete
Sincerely,
*** ***

June 27,
Mr*** ** ***
Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding your accounts with the USAA Federal Savings Bank (FSB).
*** ***, of our staff, completed another review of your account, and
attempted to reach you by telephone to address your concern. We responded to your complaint on June 24, 2016, regarding this same issue. While we recognize that you disagree, we feel confident that the correct decision has been made.
We appreciate the opportunity to review your concerns again, but we consider this matter closed
*** ***
Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

April 11, 2017 Dr*** ** ***Complaint ID #: *** Dear Dr***: I am responding to your submission regarding your accounts with the USAA Federal Savings Bank. 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, *** ** ***

Mrs*** *** Complaint ID #* ***
Dear Mrs***:
I am responding to your submission regarding the duplicate transactions on the joint checking account that you and *** *** hold with the USAA Federal Savings Bank (FSB)
Our records reflect that on August 13, 2017,
*** *** scheduled automatic payments for both loans using a computer tablet, and they were scheduled to debit your checking account ending in on August 15, The following day, *** *** requested the same payments via our mobile app to debit your account on August 14, The duplicate payments were subsequently reversed and the funds returned to your accountHowever, before the payments were reversed, several transactions from your checking account were returned unpaid due to a lack of funds, and the corresponding NSF fees were assessedAs a courtesy, all the NSF fees were refundedThe review of your accounts found no payment processing errors by the FSB
We appreciate you allowing us to reply to you
Sincerely,
*** ** ***

November 20, 2015*** *** *** *** *** ** *** ***Complaint ID #: ***Dear *** *** ***: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 will
respond to the CFPB accordingly.Thank you for the opportunity to reply.Sincerely,*** ***

July 6,
Mr** ** *** Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding your automatic paymentsI regret any confusion this situation may have caused you
I understand that *** ***, of our staff, spoke with your spouse regarding
your concernsAs discussed, the automatic payments were posted correctly to your mortgage and automobile insurance accounts respectivelyIf 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 would like to see record of these checks since they were not signed by me and there is a chance that fraud was committed on the account.Also, I have attempted to contact both individuals but have been unsuccessfulThe other checks that were returned in the past year occured when there was sufficient funds in the account because I was notified at that time via text and showed funds available
Regards,
*** ***