Robert W. Carpenter, Esq.

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 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,
*** ***

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

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,
*** ***

Complaint: ***
I am rejecting this response because: I am rejecting this response because: I am still in the process of settling
Regards,
*** ***

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,*** ***

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

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

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,
*** ***

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, *** ***

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,
*** ***

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,
*** ***

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,
*** ***

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, *** ** ***

December 12, 2016 Mr*** ***Complaint ID #: *** Dear Mr***: I am responding to your submission regarding your credit card with the *** Savings Bank (USB). We regret any frustration or inconvenience you may have experienced Thank you for speaking
with *** ***, of our staff, who confirmed the hold on your payment was released on November 22, Ms*** also advised that the hold was placed in accordance with the USB’s Credit Card Agreement, and future payments may also be subject to a hold. Should you have any additional questions, Ms*** remains available to assist you, and she can be reached at (***) ***-*** (***) or (***) ***-***, Extension ***. We appreciate you allowing us to reply to you. Sincerely, *** *** Credit cards are issued by *** Savings Bank and serviced by *** Federal Savings Bank, both Member FDIC

Complaint: ***
I am rejecting this response becauseDocumentation was not provided regarding the account in question that supposedly had overdraft protection and was closed.I will upload documentation to regarding fees that require explanation.Again, I am requesting all accounts with USAA to be closed!A request was made several weeks ago.The accounts have remained open so USAA can continue to charge me NSF fees
Regards,
*** ***

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

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,
*** ***

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,
*** ***

November 22,
Mr*** ** *** Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding your loan, and I regret the frustration this matter caused you
Thank you for speaking with *** ***, of our staff, about your concernsAs the account is being
reported accurately to the consumer reporting agencies, we must respectfully decline your request to amend the adverse reportingIf you have additional questions, Ms* *** remains available to assist you
We appreciate you allowing us to reply to you
Sincerely,
*** ***