Robert W. Carpenter, Esq.

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.
Thank you Revdex.com,     With your help, the business I had a complaint against (USAA Federal Savings) and I have reached...

an agreement. Very happy satisfied, [redacted] Complaint ID: [redacted]

February 17, 2017
Mr. [redacted] L. [redacted]
Complaint ID #: 11971228
Dear Mr. [redacted]:
I am responding to your submission regarding your auto loan refinance application, and I apologize for the inconvenience this situation caused you.
Thank you for speaking with [redacted], of...

our staff, who discussed your concerns, advised that your feedback will be shared with the appropriate areas, and agreed to assist you if you should decide to pursue a loan for a new vehicle.
If you have additional questions, please don’t hesitate to contact Ms. [redacted].
We appreciate you allowing us to reply to you.
Sincerely,
[redacted]

May 14, 2015 [redacted] Complaint ID #: [redacted] Dear Ms. [redacted]: I am responding to your submission regarding your checking account with the USAA Federal Savings Bank (FSB). We strive to provide excellent service to our members, and we regret any frustration you experienced. Thank you for...

speaking with [redacted], of our staff, about your concerns. I understand that Ms. [redacted] explained the FSB’s policy on holds and our right to collect on a prior debt. As she explained, you may provide a copy of your divorce decree for review to determine whether or not the $237.07 will be returned to you. Should you have any further questions, Ms. [redacted] remains available, and she can be reached at [redacted]
We appreciate the opportunity to reply to you. Sincerely, [redacted]

August 16, 2017
Mr. [redacted]
Complaint ID #: [redacted]
Dear Mr. [redacted]:
I am responding to your submission regarding your checking account applications, and I regret the frustration this situation caused you.
Thank you for speaking with [redacted], of our staff, who...

addressed your concerns and confirmed the reporting of your previous accounts have been updated. As discussed, you can reapply for a new account; however, we cannot guarantee approval. If you have additional questions, Mr. [redacted] remains available to assist you.
We appreciate you allowing us to reply to you.
Sincerely,
[redacted]

February 16, 2018
Mrs. [redacted]  Complaint ID #: [redacted]
Dear Mrs. [redacted]:
I am responding to your second submission regarding your auto loan with the USAA Federal Savings Bank.
We responded to your complaint on February 12, 2018, and we understand you have since spoken with [redacted], of our staff, about this matter. While we recognize that you disagree, no new information has been presented that would warrant a change in our position.
We appreciate the opportunity to review your concerns again.
Sincerely,
[redacted]

October 26, 2015 Mr. [redacted] Complaint ID #: [redacted] Dear Mr. [redacted]: I am responding to your submission regarding your checking account with the USAA Federal Savings Bank (FSB). As stated in the Depository Agreement and Disclosures (DAD), “When you do not have enough funds in your...

account for FSB to process a collection item drawn on your account, FSB may charge you an overdraft or nonsufficient funds (NSF) fee.” Our records confirm that on October 13, 2015, seven automated clearing house (ACH) items and two checks attempted to post to your account. Since there were not enough funds in the account, the items were returned for nonsufficient funds (NSF), and your account was assessed nine NSF fees the following business day. On October 14, 2015, you completed a funds transfer and two direct deposits also posted to the checking account; however, the items had been returned the previous day. I understand [redacted], of our staff, was unsuccessful in her attempts to contact you to discuss your account activity. She confirmed that your account was properly charged for the returned items in accordance with the DAD and that three of the fees were refunded to you as a courtesy. We respectfully decline your request to refund the additional NSF fees and reject your allegations of wrongdoing. Should you have any additional questions, Ms. [redacted] remains available to assist you. Thank you for 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 to address the complaint through the CFPB(Consumer Financial Protection Bureau) Portal is acceptable.  
Regards,
[redacted]

December 8, 2016   Mrs. [redacted] Complaint ID #: [redacted]   Dear Mrs. [redacted]:   I am responding to your submission regarding your USAA Savings Bank credit card account.  I regret any frustration or inconvenience you experienced as a result of this matter.  ...

  Thank you for speaking with [redacted], of our staff, who explained the reason for the October 20, 2016, payment reversal. As he advised, your husband would have to request to process the payment again so that USAA could reverse the charge-off reporting on your credit report.  Mr. [redacted] could not honor your request to reinstate your credit card since it was closed appropriately on July 22, 2016.  If you have any other questions, Mr. [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.

February 9, 2017
Mr. [redacted] Complaint ID #: [redacted]
Dear Mr. Amador:
I am responding to your submission regarding your December 12, 2016, theft claim.
Our records indicate that the settlement payment was credited to your USAA checking account on February 3, 2017, per your...

request. Brenda Cantu, of our staff, remains available to assist you should there be additional questions regarding this matter. She can be reached at ([redacted]) [redacted]-USAA ([redacted]2) or ([redacted]) [redacted]2, Extension [redacted].
Please know that USAA acts in accordance with our core values of service, loyalty, honesty, and integrity, and we decline any allegations of wrongdoing.
We appreciate you allowing us to reply to you.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because: the issue is when the accounts were changed over the monthly payments were not changed over, so for months she credit card and the bank abused the overdraft protection to gain financial gains. I cancelled all payments upon finding mount for months the wrong account was not sufficiently paying and the balance accrued was the result of USAA not doing what they told me. They are taking advantage that I am not local and have to correspond by phone and email, which now they are stating they have no record of all the conversations. This also is another reason why the initial person (Urma), is not involved nymore. I initially offered to restart paying my credit card from the balance and date in which they assured me the account was going to be setup. Now for my stress and personal loss of credit status and frustration, I think USAA shoul handle the remaining balance and help me close all my accounts and we will terminate our relationship. I have reported to other members and those who would have done business with them. Over twenty years of my membership and responsibly paying all my bills and enhancing USAA value this is a horrible way to treat me and my family. 
Regards,
[redacted]

February 26, 2018
Mrs. [redacted] Complaint ID #: [redacted]
Dear Mrs. [redacted]:
I am responding to your second submission regarding your loans.
Our records indicate that a payment of $153.82 posted to the loan ending in 9311 on February 20, 2018. Copies of both loans’ payment history were posted on usaa.com for your viewing. We show no records of missing or misapplied payments. Since a payment had not posted to the loan ending in 7905 within the last 60 days, the account was charged off on February 22, 2018, for $1, 969.13 in accordance with the Bankruptcy 60/60 Rule. David [redacted], of our staff, was unable to reach you to discuss the aforementioned; however, he remains available to assist you.
We appreciate you allowing us another opportunity to reply to you.
Sincerely,
[redacted]

June 15, 2015 [redacted]
[redacted] Dear [redacted]: I am responding to your submission regarding your deposit account with the USAA Federal Savings Bank. We apologize for any inconvenience you experienced when a hold was placed on your May 29,...

2015, funds transfer. We discovered a system issue that was placing a hold on scheduled or post dated funds transfers and have since corrected this matter. [redacted], of our staff, confirmed that the hold was released on June 3, 2015. If you have any additional questions, Ms. [redacted] remains available and can be reached at [redacted] Thank you for allowing us to reply to you. Sincerely, [redacted]

September 8, 2017
Ms. [redacted]
Complaint ID #: [redacted]
Dear Ms[redacted]:
I am responding to your submission regarding your deposit account with the USAA Federal Savings Bank.
Thank you for speaking with [redacted], of our staff, who explained the account activity that led to the...

overdrawn balance. If you have any other questions, Mr. [redacted] remains available to assist you.
We appreciate you allowing us to reply to you.
Sincerely,
[redacted]

December 27, 2017   Ms. [redacted] Complaint ID #: [redacted]   Dear Ms. [redacted]:   I am responding to your submission regarding your debit card dispute.   Thank you for speaking with [redacted] of our staff, who confirmed that the USAA Federal Savings Bank (FSB) disputed the...

transaction in question. However, the transaction was deemed valid since the FSB cannot override the merchant’s cancellation or refund policies.  I hope that your conversation with Ms. [redacted] reassured you that your satisfaction is important to us.  If you have additional questions, Ms. [redacted] remains available to assist you.   Ms. [redacted], we appreciate you allowing us to reply to you.    Sincerely,   [redacted]

January 8, 2016 [redacted] Complaint ID #: [redacted] Dear Ms. [redacted]: I am responding to your submission regarding your access to usaa.com. We regret any conflicting information you may have received, and we hope you find the following information responsive to your concerns. To the extent...

allowed by law, our business policy prohibits USAA and its affiliates from doing business with a member who has caused USAA to suffer a financial loss. When basic principles are compromised, we believe it is in the best interest of the association to limit access to usaa.com. [redacted], of our staff, thoroughly reviewed your account and confirmed that it has been seven years from your 2008 bankruptcy filing. As such, your access to usaa.com has been restored. We were unable to substantiate your comments about an insurance representative; however, you may contact USAA [redacted] if you wish to inquire about a specific product or service or if you need assistance with your usaa.com access. Should you have any questions, Mr. [redacted] remains available to assist you and can be reached at the telephone number listed above, Extension [redacted]. Thank you for 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]

August 27, 2015 Mr. [redacted]. * [redacted] Complaint ID #: [redacted] Dear Mr. [redacted]: I am responding to your submission regarding your deposit account 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, [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]

February 25, 2016 Mrs. [redacted] Complaint ID #: [redacted] Dear Mrs. [redacted]: I am responding to your submission regarding your 2008 claim. [redacted] of our staff, was unsuccessful in speaking with you about your concerns. Please contact Ms. [redacted] at [redacted]...

[redacted] so that she may assist you directly. Thank you for allowing us to review this matter and to reply to you. Sincerely, [redacted]

Complaint: [redacted]
I am rejecting this response because:USAA has not provided the service and has taken actions against me that do not comply with laws and regulations of the United States  They have failed to provide customer service and the service I have paid them dearly for not performing.   In addition Revdex.com read their response here! It is subtle in what it is telling you that they did not remedy the serious misconduct and failure to provide service and conduct.  As a result I expect the Revdex.com to maker this against USAA as a valid complaint. 
Regards,
[redacted]