Robert W. Carpenter, Esq.

Complaint: ***
I am rejecting this response because:There is absolutely no record of fact to support this information
Regards,
*** ***

September 27, MrGary L*** Complaint ID #: *** Dear Mr***: I am responding to your second submission regarding your consumer loan with the USAA Federal Savings Bank. Thank you for speaking with *** ***, of our staff, who confirmed that we have reactivated your loan and restored your access to usaa.comIf you have additional questions, Ms*** remains available to assist you We appreciate you allowing us to reply. Sincerely, *** ***

Complaint: ***
I am rejecting this response because: The correct decision was made to move all my accounts elsewhere and spend the thousands of $'s on insurance premiums with another company.usaa needs to stop promoting their lies of integrity and honesty and the other nonsense they promote and let people know how incompetent they are and how they cannot do simple tasks in a correct and timely manner And that if you call them out on their mistakes (using profanity is necessary to get your point across at times) that you will be tattled on and they will cry cuz their feelings got hurt If you did your job correctly and efficiently in the first place you wouldn't need to put them in their place. It's usaa's loss, they are losing out on lots and lots of $$ and are the ones making the mistake! usaa is simply and completely an absolute joke and everyone needs to know what kind of mickey mouse operation they are running!
With Absolutely No Regards Whatsoever,
*** ***

February 8, Ms*** *** Complaint ID #: *** Dear Ms***: I am responding to your submission regarding charges made to your debit card Thank you for speaking with *** ***, of our staff, who advised you that a thorough review of your account was
completed by USAA’s Fraud Department, and it was determined that you are liable for the chargesIf 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 ***, and find that this resolution is satisfactory to me
Regards,
*** ***

March 28, *** *** ***
*** ** ** *** Dear Ms*** I am responding to your second submission regarding your deposit account with the USAA Federal Savings Bank (FSB)I understand that *** ***, of our FSB staff, spoke with you and discussed the funds availability section of the Depository Agreement and Disclosures, which governs the FSB’s deposit accountsWhile we recognize that you disagree, we feel confident that the correct decision has been madeNo new information has been presented that would warrant a change in our positionWe appreciate the opportunity to review your concerns again; however, we consider this matter closedSincerely,
*** ***

December 19,
Private First Class *** ** ***, USA
Complaint ID #: ***
Dear Private First Class ***:
I am responding to your submission regarding the restrictions placed on your accountsAfter a thorough review of your situation, our research concluded that while the
deposits were made from an unfamiliar location, the unidentified person was successfully authenticated using all of your personal informationAdditionally, the funds were later depleted with a debit card; however, there were no failed PIN attemptsAs such, we are unable to comply with your request for reimbursement and removal of the fraudulent transactions on your account
We understand each person has a unique financial situation and that certain life events outside of his or her control may cause difficultiesIn 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 where fraud has occurredWhen this basic principle is compromised, we remove access to view your accounts on usaa.com and mobile.usaa.comHowever, you can obtain your account information by mail or telephoneOur representatives are available to process any transactions or assist in servicing your existing accounts
*** ***, of our staff, was unsuccessful in her attempts to reach you by phone to advise you of our actionsShould there be additional questions regarding this matter, 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,
*** ** ***

Mr*** *** Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding your deposit account
Unfortunately, *** ***, of our staff, was unable to contact you by phone to address your concernsNonetheless, she completed a thorough review of your
account and confirmed your external bank did not accept the image of the check you deposited, resulting in the returned item feeAs indicated in the Remote Capture Deposit Agreement, “an image of an item shall be deemed received when you receive a confirmation from USAA that we have received the imageReceipt of such confirmation does not mean that the transmission was error free or complete.” Additionally, in accordance to the Depository Agreement and Disclosures, we may charge a fee for a returned itemHowever, as a courtesy, we have refunded the returned item fee
If you have additional questions, Ms*** remains available to assist you at (***) ***-*** or (***) ***-***, Extension ***
We appreciate you allowing us to reply to you
Sincerely,
*** ***

June 20,
The Reverend *** ***, Ph.D., Capt, USAF (Ret.)
Complaint ID #: ***
Dear Reverend ***:
I am responding to your submission regarding your deposit accounts and your USAA Property and Casualty insurance policy
Our records confirm that you
filed an inquiry with the Consumer Financial Protection Bureau (CFPB), and we responded to the CFPB on June 20,
We also completed a review of your auto and property insurance billing, and your next automatic payment is scheduled for July 5, 2016. Should you have any questions about your impending auto policy renewal, please contact *** ***, of our staff, at *** *** *** or *** *** *** ***
Thank you for the opportunity to reply
Sincerely,
*** ***

March 9,
Mr*** ** *** Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding your checking account
Our records confirm that you filed an inquiry with the Consumer Financial Protection Bureau (CFPB)We will respond to the CFPB
accordingly
We appreciate you allowing us to reply to you
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because I disagreeFirst, there was never an email sent on 9/19/that explained USAA's actionThe email in question states, "Our records indicate the posted debit is a right to offset USAA processed. USAA may initiate a right to offset from an active checking or savings account to cover a previous charge off balance." When I called USAA to find out why there was a "charge off" balance" or why USAA thought they had a right to "offset USAA processed" (whatever that means), I got the same old runaroundKeep in mind, this charge showed up on my statement as a cashback rewardUSAA's email did not match their actions, and it certainly did not explain the removal of money from my account without my permission, consent or knowledgeSecond, when I spoke to *** ***, on September 27, 2017, she did, indeed, reiterated USAA's position, however USAA's position was nothing but circular logicShe said that USAA charged me the money because it was owed to USAAWhen asked how she knew it was owed, she said it was because USAA charged meThat's not a valid reason to take money from customersEither USAA knows exactly what that $is for or they don’tIn this case, they do not*** could not find out why I was charged, and I NEVER acknowledged awareness of this random chargeUSAA provided me a statement of my checking account dating back to April The only thing provided on that statement is a posted debit of $There’s still nothing from USAA showing what this amount is owed forIt’s over a decade oldIt’s deceitful and problematic to just take money out of customers’ accounts that you can’t explainUSAA considers this matter closed because they’ve stolen the money they want from me, but to me this matter is not settledUSAA is unable to explain why they took the money (apart from vague, circular logic), and they’re refused to return it

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,
*** ***

July 21, Sergeant First Class *** ***, ARNG (Ret.) Complaint ID #: *** Dear Sergeant ***: I am responding to your submission regarding the 1099-C tax form issued in conjunction with your charged-off auto loan 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, *** ** ***

February 17, *** *** ** *** *** Complaint ID #: *** Dear *** *** I am responding to your second submission regarding your deposit accounts with the USAA Federal Savings BankWhile we recognize that you disagree with the response we provided and the information relayed to you by *** ***, of our staff, on January 28, 2016, we feel confident that the correct decision has been madeNo new information has been presented that would warrant a change in our positionWe appreciate the opportunity to review your concerns again; however, we consider this matter closedSincerely, *** ***

August 28, *** *** *** *** ** *** ***
*** ** ** *** Dear *** ***: I am responding to your submission regarding incorrect information on your consumer credit reportsUnfortunately, *** ***, of our staff, has been unable to reach you by telephone to
discuss the information you believe is incorrect on your consumer credit reports and to address your request to remove an account from the three consumer reporting agenciesAt your earliest convenience, please contact Ms*** for assistance at *** *** *** ** *** *** *** Thank you for allowing us to reply to youSincerely, *** ***

May 12, Ms*** *** Complaint ID #: ***
Dear Ms***: I am responding to your submission regarding your deposit account with USAA Federal Savings Bank (FSB)According to the Depository Agreement and Disclosures (DAD), which is provided to all account holders and is
available on usaa.com, when there are not sufficient funds available in your account to cover an item, the FSB may, without notice to you and in its sole discretion, decline or return such item unpaidThe FSB may also charge for each nonsufficient funds (NSF) item as noted in the accompanying Service Fee ScheduleAs a courtesy, two of the $NSF fees were refundedWe appreciate you speaking with Albert *** and *** ***, of our staff, about your concernsBoth Mr*** and Ms*** remain available should you have any additional questionsMs***, it is important to note that the FSB acts in accordance with the DAD and our core values of service, loyalty, honesty, and integrityThank you for allowing us to reply to youSincerely,
*** ***

February 6,
Mr*** ** *** Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding your checking account with USAA Federal Savings Bank (FSB) and the outstanding balance on your auto insurance policy
*** ***, of our staff, was unable to reach you
by telephone; nonetheless, she thoroughly reviewed your accountThe four checks that have attempted to clear your account between December 22, 2017, and January 9, 2018, were returned due to insufficient funds, and not a Bank errorOur records indicate that in the last twelve months, four NSF fees totaling $have been refundedAccording to the FSB’s Depository Agreement and Disclosures (DAD), which is provided to all account holders and is available on usaa.com, the “FSB may debit your account for a check on your account either on the day it is presented to the FSB for payment, by electronic meansIf you do not have sufficient funds available to cover the item, FSB decides whether to return it or pay it and overdraw you accounts.” Each time your account went into a negative balance, you were notified by email, balance alerts, statements, and a 14-day notice of overdraft before the account was charged off and closed with a negative balance of $Likewise, the DAD states, “FSB may close your account at any time without advance notice.”
Regarding your auto insurance policy, our records show that the uncollected amount is validDue to privacy regulations in your state, we ask that you contact Ms*** ***, of our staff to address this in detailsShe has been unsuccessful in her attempts to reach you, but she also remains available to assist you
We appreciate the opportunity to review this matter and to respond to you
Sincerely,
*** ** ***

November 24,
Ms*** *** Complaint ID #: ***
Dear Ms***:
I am responding to your second submission regarding overdraft protection on your accounts with the USAA Federal Savings Bank
Thank you for speaking with *** ***, of our staff, who updated your overdraft protection per your request and provided additional online options to better track your financesIf 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 ***There was still no answer as to what's being done now?
Regards,
*** ***

Complaint: ***
I am rejecting this response because:
Regards,
*** ***
because it took them over the initial day period and then over the 3-day period as I was told be USAA incurring frustration that it took them over five days to give the credit of an issue that was clearly a bank errorand again this was almost