Robert W. Carpenter, Esq.

December 11, 2017   Mr. [redacted] Complaint ID #: [redacted]   Dear Mr. [redacted]:   I am responding to your submission regarding your auto insurance premium and the activity in your spouse’s checking account. We regret any frustration you may have experienced.   Thank you for...

speaking with [redacted], of our staff, who explained the factors affecting auto insurance premiums and assisted you with canceling your auto and renter’s policy.  I understand you also spoke with Julie [redacted], of our staff, who discussed the outcome of our investigation.  Should you have any further questions, Ms. [redacted] and Ms. [redacted] remain available to assist you.   We appreciate you allowing us to reply to you.    Sincerely,   [redacted]

March 4, 2016 Mrs. [redacted] Complaint ID #: [redacted] Dear Mrs. [redacted]: I am responding to your second submission regarding you 2008 claim. Thank you for speaking with [redacted] of our staff, about your claim payments. As discussed, we are awaiting paperwork from you for our review. For any questions, please do not hesitate to contact Ms. [redacted]. We appreciate the opportunity to review your concerns again. Sincerely, [redacted]

May 29, 2015 [redacted] Complaint ID #: [redacted] Dear [redacted]  I am responding to your second submission regarding your loan request with the USAA Federal Savings Bank (FSB).  We responded to your complaint on May 22, 2015.  While we recognize that you disagree, we feel confident that the correct decision has been made.  Please note that the FSB discloses that loans are subject to creditworthiness.  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, [redacted]

January 10, 2018   Ms. [redacted] Complaint ID #: [redacted]   Dear Ms. [redacted]:   I am responding to your submission regarding your auto loan with 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,   [redacted]

December 27, 2017 Mrs. [redacted]Complaint ID #: [redacted]
 Dear Mrs. [redacted]: I am responding to your submission regarding your requests for payment assistance on your USAA Federal Savings Bank (FSB) consumer loan. In September 2017, you submitted a signed Member...

Assistance Application (Application), which noted that USAA might further investigate the details of your hardship.  Your request for long-term assistance was ultimately declined, and you were notified by mail.  Your second Application submitted in November 2017 included your written instruction to refrain from contacting your employer.  The FSB proceeded with reviewing your second Application after you gave authorization to verify your employment. You were approved for short-term assistance; however, a payment was required to obtain a deferment on the loan.  A third Application was submitted in December 2017 for medium-term assistance; this request was also declined, and you were notified by mail.  [redacted], of our staff, was unsuccessful in reaching you to discuss your concerns.  Nonetheless, Mr. [redacted] reviewed your Applications and confirmed that you declined short-term assistance, as you were unable to make a payment at that time.  Mr. [redacted] found no indication you were advised that medium-term assistance would be approved after receiving approval for short-term assistance.  If you have further questions, Mr. [redacted] remains available to assist you.  In addition, you can contact our Member Assistance Team at your convenience at [redacted], Extension [redacted].  Representatives are available Monday through Thursday from 8:30 a.m. to 6:00 p.m., CT, and on Friday and Saturday from 7:00 a.m. to 11:00 a.m., CT. We appreciate you allowing us to reply to you.   Sincerely,  [redacted]

Complaint: [redacted]
I am rejecting this response because:I know there is something that can be done I been a customer for over 7years and this is how I get treated. 
Regards,
[redacted]

September 8, 2015 [redacted]
[redacted]
[redacted] I am responding to your submission regarding the endorsement process on your claim settlement check. I appreciate you taking the time to speak with [redacted] and [redacted], of our staff, about this matter....

I apologize for the frustration and inconvenience you experienced as we should have ensured proper expectations were set with how the check would be handled. As Ms. [redacted] advised, a check was sent to you for the first installment payment and a second check was issued to reimburse you for the expenses you already paid. Should you have any additional questions, both Mr. [redacted] and Ms. [redacted] remain available to assist you. Thank you for allowing us to reply to you. Sincerely, [redacted]

March 15, 2016 [redacted] Complaint ID #: [redacted]: I am responding to your second submission regarding your checking account with the USAA Federal Savings Bank (FSB). While we recognize that you disagree with our March 8, 2016, response, we feel confident that the appropriate hold decision was made and that the correct information has been relayed to you in our prior response. No new information has been presented that would warrant a change in our position or resolution. It is important to note that FSB acts in accordance with applicable federal banking regulations and the Depository Agreement and Disclosures, and we reject your allegations of “mistreatment.” We appreciate the opportunity to review your concerns again; however, we consider this matter closed. 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]

August 23, 2017 [redacted]Complaint ID #: [redacted] Dear Mr. [redacted]: I am responding to your submission regarding the rental car insurance benefit provided by your USAA Visa Signature® credit card in conjunction with your April 16, 2017, automobile claim.  We regret any...

frustration or inconvenience you experienced as a result of this matter. Thank you for speaking with [redacted] and [redacted]o, both of our staff, about your concerns.  Because the coverage from Visa is secondary to the coverage provided by your auto insurance policy, the Visa benefit compensated you for the out-of-pocket cost associated with your collision deductible.  We ask that you continue to work closely with your adjuster to bring the claim to resolution.  If you have further questions, Mr. [redacted] and Ms. [redacted] remain available to assist you.  In addition, the USAA Visa Signature® Guide to Benefits for Credit Cardholders can be accessed at usaa.com. We appreciate you allowing us to reply to you.   Sincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC.

July 6, 2017
Ms. [redacted] Complaint ID #: [redacted]
Dear Ms. [redacted]:
I am responding to your second submission regarding your deposit accounts.
Unfortunately, members of our staff were unable to reach you by phone to address your concerns. Please know we will review any supporting documents you provide detailing the payments that have returned. If you wish to provide such documentation, please contact [redacted] of our staff, at your earliest convenience at ([redacted]) [redacted]-[redacted] or (800) [redacted]-[redacted], Extension [redacted].
We appreciate the opportunity to review your concerns again.
Sincerely,
[redacted]

December 30, 2016   Master Sergeant [redacted], USAF Complaint ID #: [redacted]                                  Dear Sergeant...

[redacted]:   I am responding to your submission regarding your credit card with the USAA Savings Bank and I regret any frustration this matter may have caused.   [redacted], of our staff, was unsuccessful in her attempts to contact you; however, after further review, a missing credit was identified.  On December 20, 2016, Ms. [redacted] applied the missing credit to your account.  Coaching was provided to the individuals involved to prevent a similar occurrence.  Should you have additional questions, Ms. [redacted] remains available to assist you.   We appreciate you allowing us to reply to you.    Sincerely,   [redacted]
  Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC.

Complaint: [redacted]
 
I am rejecting this response because: I would not be going to thr irs daily, calling usaa daily not filing a complaint with Revdex.com if me and my wife had obtain the money we are owed. However, Usaa has stolen and lost the money. Check our bank account there no issue of direct deposit. If I have to file a lawsuit I will do that. Usaa is fraud and has no integrity, honesty, murals of giving us are money back. Can not show documents that it has been issued a direct deposit or where it has went. I will aee usaa in court. 
Regards,
[redacted] & [redacted]

July 7, 2017
Mr. [redacted] Complaint ID #: [redacted]
Dear Mr. [redacted]:
I am responding to your submission regarding your auto loan, and I regret any frustration this situation may have caused you.
Our records show that on June 27, 2017, we reduced your loan rate to the...

appropriate 4.24%. If you have additional questions, [redacted], of our staff, remains available to assist you.
We appreciate you allowing us to reply to you.
Sincerely,
[redacted]

March 23, 2018   Mr. [redacted] Complaint ID #: [redacted]   Dear Mr. [redacted]:   I am responding to your second submission regarding your personal loan with the USAA Federal Savings Bank.   Copies of the loan contract, statements, and payment history were mailed to your address on file.   We appreciate another opportunity to reply to you.    Sincerely,   [redacted]

Complaint: [redacted]
I am rejecting this response because: I still did not get an answer to my first inquiry. I asked back at the end of December 2016 for someone to review the tapes from September 2016 to hear what I heard. I don't expect you to find any records because I have already spoken with the other representative who told me the exact same thing. You are not providing me with anything new. I left a message for mr. [redacted] as well as [redacted]. What else can I do. My issue began in 2016 and I asked at someone review the phone call to provide proof of what I heard and my understanding about how to resolve the matter so that it did not go into a charge off or collection status. I am sorry that I am not able to provide you with any new information because I have not received the results from my request from 2016. If USAA will not assist me with this matter I will just continue up the chain. What else can I do.Thank you
Regards,
[redacted]

July 31, 2015
[redacted]
[redacted] Dear Mr. [redacted]: I am responding to your submission regarding your deposit accounts with the USAA Federal Savings Bank (FSB). Our records reflect that you established a USAA Secure checking account on May 22, 2015, and accepted a...

promotional offer to receive a $300.00 credit to your account no later than September 30, 2015. To meet the criteria, the account holder must set up and have two qualifying direct deposits of at least $250.00 or more each that post to the account between June 19 and September 16, 2015. While two funds transfers for $282.00 and $269.00 were credited to your account from Handybook.com on May 28 and June 11, 2015, they were not deemed “qualifying direct deposits,” and they did not post during the criteria dates as disclosed in the terms and conditions of the promotion. [redacted], of our staff, was unable to reach you by telephone to discuss your concerns; nonetheless, as a courtesy, the FSB has agreed to honor the credit. Hence, the $300.00 will post to your account by the end of the promotional period. As previously explained, Ms. [redacted] was out of the office due to unforeseen circumstances. Mr. [redacted], it is important to note that our core values of service, loyalty, honesty, and integrity are at the center of everything we do, and we strongly disagree with your allegations of impropriety. If you have additional questions, Ms. [redacted] remains available to assist you and can be reached at [redacted] Thank you for allowing us to reply to you. Sincerely, [redacted]

June 17, 2015 [redacted]
[redacted] I am responding to your second submission regarding the $100.00 legal process fee assessed to your checking account with the USAA Federal Savings Bank (FSB). We responded to your complaint on June 4, 2015. While we recognize that you disagree, we feel confident that the correct information has been relayed in accordance with the FSB’s Depository Agreement and Disclosures (DAD), which is provided to account holders and available for your review on usaa.com. Information regarding the FSB’s handling of tax withholding orders and other legal process documents can be found in the Legal Process section of the DAD. [redacted], no new information has been presented that would warrant a change in our position or handling. We appreciate the opportunity to review your concerns again; however, we consider this matter closed. Sincerely, [redacted]

May 26, 2015 Ms. [redacted]Complaint ID #: [redacted] Dear Ms. [redacted]: I am responding to your submission regarding your checking account ending in [redacted] with the USAA Federal Savings Bank. Our records confirm that you filed an inquiry with the Office of the Comptroller of...

the Currency (OCC).  We will respond to the OCC accordingly. Thank you. Sincerely, [redacted]

March 13, 2018 Mr. [redacted]Complaint ID #: [redacted] Dear Mr. [redacted]: I am responding to your submission regarding your personal loan with the USAA Federal Savings Bank. Please note that your loan was charged off in December 2015 due to delinquency.  A letter with the...

payoff amount was mailed to you on March 12, 2018.  We appreciate you allowing us to reply to you.   Sincerely, [redacted]