Robert W. Carpenter, Esq.

Complaint: [redacted]
I am rejecting this response because: I was not refunded for the pest inspection and pest treatment that USAA loan processors made me complete. 
Regards,
[redacted]

January 25, 2018   Mr. [redacted] Complaint ID #: [redacted]   Dear Mr. [redacted]:   I am responding to your submission regarding your USAA Federal Savings Bank auto loan.  I regret any frustration this matter has caused you.   Thank you for speaking with [redacted], of our...

staff, who advised you that you were correctly informed that your account was at risk to charge off.  On April 1, 2017, your account matured with a balance and since the account had matured the number of days delinquent increased daily.  The balance was satisfied in full on August 7, 2017; however, it had charged off on July 31, 2017.  The account is reporting as charged-off with a $280.00 balance, rather than charged-off paid in full.  Mr. [redacted] submitted a request to have the credit reporting corrected.  Please allow up to 45 days for the credit reporting agencies to update their records.          We appreciate the opportunity to reply to you.    Sincerely,   [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:  USAA states this: "We responded to the CFPB on July 10, 2015, and you will receive a response to your concerns via the CFPB."When will we recieve a response? How is it USAA responded to CFPB and we do not know what that is? Is the CFPB and USAA working together to defraud this consumer and withhold info?    
Regards,
[redacted]

March 2, 2016
Ms. [redacted]
Complaint ID #: [redacted]
Dear Ms. [redacted]:
I am responding to your submission regarding your eligibility and your deposit accounts with the USAA Federal Savings Bank.
Thank you for speaking with [redacted], of our staff, who confirmed that...

your eligibility was updated as requested.  She also advised that the deposit accounts have been fully recovered.  While I understand that your recent deposit account application was declined, we remain open to reviewing future applications, which would be subject to our underwriting guidelines.  Should you have any questions, Ms. [redacted] remains available to assist you.
We appreciate you allowing us to reply to you. 
Sincerely,
[redacted]

August 10, 2017
Ms. [redacted] Complaint ID #: [redacted]
Dear Ms. [redacted]:
I am responding to your submission regarding an electronic funds transfer.
Unfortunately, [redacted], of our staff, was unable to reach you by phone to address your concerns. Nonetheless, she completed a...

thorough review of your account and confirmed ACH disputes can only be conducted for the entire amount of the transaction. As a courtesy, we credited the $122.28 to your account. If you have additional questions, Ms. [redacted] remains available to assist you.
We appreciate you allowing us to reply to you.
Sincerely,
[redacted]

August 14, 2017
Mr. [redacted] Complaint ID #: [redacted]
Dear Mr. [redacted]:
I am responding to your submission regarding your deposit account with the USAA Federal Savings Bank (FSB).
Thank you for speaking with [redacted] of our staff, who addressed your concerns and provided...

a temporary credit to your account as a courtesy. Please know the FSB follows all banking regulations and acts in accordance with our core values of service, loyalty, honesty, and integrity. If you have additional questions on this matter, Ms. [redacted] remains available to assist you.
We appreciate you allowing us to reply to you.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:i still haven't found out any information as to why it was closed. She wasn't able to tell me that. Also we never talked any other fees I incurred from this incident 
Regards,
[redacted]

September 7, 2017
Ms. [redacted]
Complaint ID #: [redacted]
Dear Ms. [redacted]:
I am responding to your submission regarding your deposited funds, and I regret the frustration this situation caused you.
Unfortunately, [redacted], of our staff, was unable to contact you by phone to...

address your concerns. Nonetheless, he completed a thorough review of your account and determined the account number you provided Vanguard® was your member number and not your checking account number. Therefore, the funds were placed into another member’s account. However, we located the funds and on August, 31, 2017, we credited the funds to your checking account. If you have additional questions, Mr. [redacted] remains available to assist you.
We appreciate you allowing us to reply to you.
Sincerely,
Courtney Evins

June 15, 2017
Ms. [redacted] Complaint ID #: [redacted]
Dear Ms. [redacted]:
I am responding to your submission regarding your deposit accounts. I regret any frustration this situation may have caused you.
Unfortunately, [redacted], of our staff, was unable to contact you by...

phone to address your concerns. Nonetheless, he completed a thorough review of your account. Our records show that there were no returned payments. If you have additional questions or wish to provide more information on which payments did not process, Mr. [redacted] remains available to assist you.
We appreciate you allowing us to reply to you.
Sincerely,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]

November 5, 2015
[redacted] Complaint ID #: [redacted]Dear [redacted]: I am responding to your submission regarding your mortgage payment.  We regret any inconvenience or frustration this matter caused you as we strive to provide quality service and accurate information...

to our entire membership.  Our records reflect that your mortgage loan ending in [redacted] was paid in full on September 25, 2015.  That same day, a $410.00 overpayment on that mortgage was applied as a principal curtailment to your new mortgage loan ending in [redacted].  County taxes for your loan ending in [redacted] were due on October 1, 2015, and since your loan was paid off prior to the tax due date, [redacted], Inc. did not disburse a payment from the established escrow account.  [redacted]s, of our staff, thoroughly reviewed your situation and attempted to speak with you and Mrs. [redacted] to discuss the results of her review.  Please contact Ms. [redacted]s at ([redacted] or ([redacted], Extension [redacted], at your earliest convenience, to discuss the options for the refund or the application of the $410.00 payment received in September 2015.  We look forward to speaking with you.  Thank you for allowing us to research this matter and reply to you.  Sincerely,[redacted]

Complaint: [redacted]
I am rejecting this response because:I was told repeatedly I would receive the coverage before signing, then you did not inform me I was signing something different than what we had discussed. At no point was I informed I did not receive the coverage after being told repeatedly I would receive it. I was lied to and tricked I told signing something under the impression I was receiving what I had asked for. I not only again request this get fixed but now would also like the whole loan removed as it would've been had I received the coverage I was promised. Thanks
Regards,
[redacted]

September 15, 2016 Ms. [redacted]Complaint ID #: [redacted] Dear Ms. [redacted]: I am responding to your second submission regarding your disputed charge on your USAA Federal Savings Bank credit card.   We responded to your complaint on August 31, 2016.  While we recognize that you disagree, we feel confident that the correct decision has been made.  We have validated that you received the proper credits from the merchant on April 12, 2016.   We appreciate the opportunity to review your concerns again; however, we consider this matter closed. Sincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

September 25, 2015 [redacted]
[redacted] Dear Mr. [redacted]: I am responding to your submission about the reporting of your automobile loan with the USAA Federal Savings Bank (FSB). [redacted], of our staff, was unsuccessful in his attempts to reach you to discuss your...

concerns. Nonetheless, Mr. [redacted] completed a thorough review of your account and found that the only automobile loan you have held with the FSB was originated in 2008 and paid off in 2013. During that time, you had one delinquent payment, which was accurately reported as 30 days past due in July 2009. Should you have any questions, Mr. [redacted] can be reached at [redacted]
Thank you for allowing us to reply to you. Sincerely, [redacted]

May 8, 2015 [redacted] Complaint ID #: [redacted] Dear Ms. [redacted]: I am responding to your submission regarding your joint USAA Secure Checking account ending in [redacted]. Please note that our review did not find previous written communication from you about this matter and that the activity...

described below did not result in returned checks or fees to your individual USAA deposit accounts. Our records show that you opened the joint account ending in [redacted] with [redacted] in October 2011. Between February 9, 2015, and March 10, 2015, 16 checks, written on an external account, were deposited into the account through USAA Deposit@Mobile®. During this time, multiple funds transfers were completed from the account. After the external bank returned 15 of the checks as “Not Sufficient Funds” or “Refer to Maker,” a returned item fee was assessed for each, and the balance became overdrawn. Consequently, we advised you on March 17, 2015, that due to this activity, your account access was restricted, and your deposit accounts were placed in credits-only status. We notified you in writing on March 26, 2015, that if the account remained overdrawn for 30 consecutive days, it would be closed, and we asked you to contact the FSB with questions or to make a deposit. Subsequently, the account was charged off on April 22, 2015, with a $2,901.27 balance. Thank you for speaking with [redacted], of our USAA Federal Savings Bank (FSB) staff, who explained that neither the FSB nor the FSB’s Depository Agreement and Disclosures (DAD), which is provided to all account holders, gives a 30-day extension to settle negative account balances. He confirmed that the Returned Deposit Item fees and three Nonsufficient Funds fees were reversed, as a courtesy. Although you were not prepared to resolve the balance when you spoke with Mr. [redacted], you and Sergeant [redacted] remain responsible for the charged-off amount. The FSB will not turn the account over to a collection agency; however, the account restrictions will continue until the outstanding balance is recovered. In addition, as noted in the DAD, the FSB has the right to setoff funds from your individual accounts and apply them to the charged-off balance without prior notice. Ms. [redacted], our thorough analysis validated that the FSB handled this situation in accordance with banking regulations and with the DAD. We regret any possible miscommunication that may have occurred, and we appreciate the opportunity to research this matter and to reply to you. Should you have any additional questions, Mr. [redacted] is available to assist you. Sincerely, [redacted]

[redacted]
[redacted]
[redacted]
[redacted]
I am responding to your submission regarding your checking account with the USAA Federal Savings Bank.  I regret any frustration you experienced as a result of this matter.
Thank you for speaking with [redacted]...

[redacted], of our staff, who discussed your concerns and confirmed $231.42 was credited to your account on April 12, 2016.  If you have additional questions, Ms. [redacted] remains available to assist you.
We appreciate you allowing us to reply to you. 
Sincerely,
[redacted]

September 29, 2016   Mrs. [redacted] Complaint ID #: [redacted]   Dear Mrs. [redacted]:   I am responding to your submission regarding your account with the USAA Federal Savings Bank.   Due to privacy laws in your state, [redacted], of our staff, attempted to reach you...

by telephone to discuss your concerns.  Unfortunately, Ms. [redacted] was unsuccessful in her three attempts to contact you.  Should you wish to discuss this matter further, Ms. [redacted] remains available to assist you at [redacted] or ([redacted], Extension [redacted].   We appreciate you allowing us to reply to you.    Sincerely,   [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted] Yes I know that usaa bank is holding over 246 thousand dollars and that's fraud and also everything else they can be sued for and all of it.......

November 29, 2016
Mr[redacted] Complaint ID #: [redacted]
Dear Mr. [redacted]:
I am responding to your submission regarding the misapplied payments on your mortgage loan currently serviced by [redacted]. I regret any frustration you have experienced as we strive to provide quality service to...

our entire membership.
When we discover that matters have not been handled to a member’s satisfaction, we appreciate the opportunity to review our actions and to resolve the situation, as you allowed us to do. After a thorough investigation of your concerns, our records indicate that a reimbursement of $2,787.10 was credited to your USAA checking account on November 21, 2016. Additionally, [redacted] has confirmed that a $930.00 principal payment was applied to your mortgage on October 13, 2016. They have agreed to return those funds; hence, a reimbursement for that payment is forthcoming. We were unsuccessful in our attempts to reach you by phone to advise you of our actions. Nonetheless, should there be additional questions regarding this matter, please contact [redacted]l at ([redacted]-USAA ([redacted]) or ([redacted], Extension [redacted].
We appreciate the opportunity to review this matter and to respond to you.
Sincerely,
[redacted]