Robert W. Carpenter, Esq.

Complaint: [redacted]
I am rejecting this response because:On April 15th, I received the attached email for USAA confirming that I was approved for the loan for any amount up to $22,500 at an interest rate of 4.84%. I did borrow an amount less than $22,500, but the rate was changed after the confirmation.  I had spoken on the phone to several USAA employees on the phone, one of which actually confirmed the value of the car I intended to purchase was $14,500. USAA and it's representatives were clearly aware of the amount I intended to borrow. I spoke with at least 3 separate individuals about my loan and the specific amount. None of them advised me that my interest rate would be essentially doubled from the confirmed rate I was sent in the email.  During the conversation when the loan was closed, the USAA representative glossed over the rate doubling and distracted me with other aspects of the closing details. I was deceived and defrauded through a bait-and-switch con game.   
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]
I FEEL IT WAS NOT ACCEPTABLE THAT I WAS LOCKED OUT OF MY ACCOUNT FOR 2 WEEKS.THIS WAS SUCH A INCONVENIENCE AND TOTAL STRESS TO BE PIT THROUGH ALL THIS.EVERY CALL I WAS TOLD YOU CAN'T HELP ME.YOU HELD MY CAR INSURANCE I ASKED CAN YOU MAKE MY PAYMENT WITH MY AVAILABLE FUNDS OR MY INSURANCE WOULD LAST I WAS TOLD YOU CAN'T ACCESS MY ACCOUNT.THE OTHER 2 BANKS HANDLED IT IN 24 HOURS AND USAA TOKK OVER 2 1/2 WEEKS NO MEMBER SHOULD HAVE TO BE SO STRESSED OUT OVER THIS NOT TO MENTION THE INCONVENIENCE

March 2, 2018
Ms. [redacted] Complaint ID #: [redacted]
Dear Ms. [redacted]:
I am responding to your submission regarding your checking account and consumer loan with the USAA Federal Savings Bank (FSB).
I understand [redacted], of our staff, communicated with you...

about this matter. We confirmed our handling was appropriate and was in keeping with the Depository Agreement and Disclosures (DAD), which is provided to all account holders. According to the DAD, “You agree that FSB may, without prior notice or demand, apply or setoff the funds in your account (and accounts you own with others) at any time to pay any debt, whether direct or indirect, that you have with FSB, and/or any fees or service charges owed to FSB.” As Mr. [redacted] explained, we respectfully decline your request for a refund. If you have additional questions, Mr. [redacted] remains available to assist you.
We appreciate you allowing us to reply to you.
Sincerely,
[redacted]

January 12, 2018   Mr. [redacted] Complaint ID #: [redacted]   Dear Mr. [redacted]:   I am responding to your submission regarding your USAA 529 College Savings Plan.   We sent secure messages to you on January 3 and January 4, 2018, addressing your concerns with the return of a...

duplicate contribution.   Additional information about the Plan’s Program Manager can be found at www.usaa.com/529 by accessing the Plan Description and Participation Agreement.   We regret any frustration or inconvenience you may have experienced, and we appreciate the opportunity to reply to you.    Sincerely,   [redacted]   USAA means United Services Automobile Association and its affiliates. Accounts are introduced and brokerage services provided by USAA Financial Advisors, Inc. (FAI) and USAA Investment Management Company (IMCO), both registered broker-dealers, Members SIPC. Clearing, custody and other services provided by National Financial Services LLC (NFS), Member NYSE, SIPC.

Mr. [redacted]
Complaint ID #: [redacted]
Dear Mr. [redacted]:
I am responding to your submission regarding your recent application for an auto loan. I appreciate the opportunity to respond.
Brandy [redacted], of our USAA Federal Savings Bank (FSB) staff, was unable to reach you...

by phone and email to address your concerns. Our records reflect that you submitted an application for an auto loan online and were approved for up to $8,743.75. You were sent an email outlining the conditions of the approval. The email also explained that the final loan approval was subject to the loan not exceeding 100% of our determination of the collateral value. Please know there are many different methods used to establish the value of a vehicle. When granting an auto loan, we follow a loan-to-value ratio, which is a percentage of the FSB’s determined value of the vehicle to be purchased.
On September 13, 2016, you contacted the FSB and requested two loan amount increases; the last amount approved was up to $14,375.00 for the purchase of a 2006 Toyota 4Runner. Please be advised that the offer is valid until October 28, 2016. Since you initiated the loan request, we are unable to rescind the application and remove it from your credit report. If you have additional questions, Ms. [redacted] remains available to assist you.

We appreciate you allowing us to reply to you.
Sincerely,
[redacted]

November 29, 2017 Ms. [redacted]Complaint ID #: [redacted] Dear Ms. [redacted]: I am responding to your submission regarding the debit card associated with your USAA Federal Savings Bank (FSB) deposit account. Thank you for speaking with [redacted], of our staff, regarding your...

concerns.  I understand that Ms. [redacted] reviewed the purchase limit on your debit card and the process to request a temporary limit increase.  Please note that you can update your security alert preferences on usaa.com, including your preferred method of contact.  If you have additional questions, Ms. [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]

Complaint: [redacted]
I am rejecting this response because:  Mr [redacted] did contact me via voicemail. I called back and left message and he didn't return my call. The engineer just left my house. To reiterate. I am just requesting for my roof to be returned to the condition that it was in prior to the wind storm. This won't be resolved until then. Also the length of the time that it is has taken to  resolve this, the failure of you to send an adjustor immediately to assess the situation, the waist of my time acting as a middle man between you and contractors, and the lack of communication from you prior to me filing a complaint is unacceptable. 
Regards,
[redacted]

February 22, 2018
Dr. [redacted] Complaint ID #: [redacted]
Dear Dr. [redacted]:
I am responding to your second submission regarding your loan with USAA Federal Savings Bank (FSB).
[redacted], of our staff, collaborated with the Underwriting Team who confirmed all underwriting procedures were accurately applied. Dr. [redacted], it is important to know that the FSB adheres to all applicable banking regulations and to USAA’s core values of service, loyalty, honesty, and integrity, and your allegations of wrongdoing are unfounded.
Thank you for another opportunity to reply to you.
Sincerely,
[redacted]

June 26, 2015 [redacted]
[redacted]  Dear [redacted]:  I am responding to your submission regarding your June 19, 2015, wire transfer request.  I regret any frustration or inconvenience this matter has caused you as...

our employees are expected to be courteous and informative.    Thank you for speaking with [redacted], of our USAA Federal Savings Bank (FSB) staff.  Mr. [redacted] confirmed that the FSB processed your wire transfer request promptly.  As such, we respectfully decline your request to refund the wire transfer fee or reimburse you for fees assessed by another financial institution.  Should you have any additional questions, Mr. [redacted] remains available.   We appreciate you allowing us to review your concerns and respond to you.   Sincerely, [redacted]

January 24, 2017   Ms. [redacted] Complaint ID #: [redacted]   Dear Ms. [redacted]:   I am responding to your submission regarding your USAA Federal Savings Bank checking account.    [redacted], of our staff, was unsuccessful in her attempts to contact you by phone;...

nonetheless, she reviewed your account carefully.  She confirmed that you spoke with a representative on January 14, 2017, who explained that pending debit card transactions decreased your balance which caused an ACH item to be returned, resulting in a $29.00 insufficient funds (NSF) fee .  I understand that you spoke with a different agent later that day who reviewed the transactions and order of processing, and also refunded the $29.00 NSF fee as a courtesy.  If you have any other questions, Ms. [redacted] remains available to assist you.   We appreciate the opportunity to reply to you.   Sincerely,   [redacted]

December 23, 2015 Mr. [redacted] Complaint ID #: [redacted] Dear Mr. [redacted]: I am responding to your submission regarding your checking account. I apologize for any frustration or inconvenience this situation may have caused you. Thank you for speaking with [redacted] of our USAA Federal Savings...

Bank staff. We confirmed a check for the balance in the account was delivered to your address of record on December 19, 2015. We appreciate the opportunity to review your concerns, resolve the matter, and respond. 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. Although she did not truly explain why it was initiated and I would still like to know. 
Regards,
[redacted]

March 22, 2017
Sergeant First Class [redacted], USA
Complaint ID #: [redacted]
Dear Sergeant [redacted]:
I am responding to your submission regarding auto loan.
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,
[redacted]

Complaint: [redacted]
I am rejecting this response because: USAA's response is clear, no where near ethical or fair...but very definitely clear.
Regards,
[redacted]

March 1, [redacted]7 Mr. [redacted]Complaint ID #: [redacted] Dear Mr. [redacted]: I am responding to your submission regarding your home equity line of credit with USAA.  I regret any frustration you experienced as we strive to provide quality service to our entire membership. Thank...

you for speaking with [redacted] of our staff, who confirmed the refund was processed and credited to your account.  I hope that your conversation with Mr. [redacted] reassured you that your satisfaction is important to us.  If you have additional questions, he remains available to assist you. We appreciate you allowing us to reply to you.   Sincerely, [redacted]

October 6, 2015 Ms. [redacted] Complaint ID #: [redacted] Dear Ms. [redacted]: I am responding to your second submission regarding your credit card account. Please note that in our September 21, 2015, response, we provided clarification regarding our security verification process, and we advised that we could not locate a prior request from you asking to close the account. Your credit card account was closed on September 24, 2015, as you requested, and a closure confirmation letter has been sent to you. We appreciate the opportunity to review your concerns again. Sincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC.

January 30, 2017
Mrs [redacted] Complaint ID #: [redacted]
Dear Mrs. [redacted]:
I am responding to your submission regarding your deposit accounts with the [redacted] Federal Savings Bank (FSB).
Our records indicate that your accounts were restricted in keeping with the Depository Agreement...

and Disclosures, which governs FSB deposit accounts and is provided to all account holders, and that upon the completion of our review, the restrictions were removed on January 11, 2017. We regret any frustration you experienced, and Pamela Phillips, of our staff, was unable to reach to discuss your concerns. Ms. [redacted] remains available at ([redacted]) [redacted] ([redacted]) or [redacted], Extension [redacted] if you have any additional questions.
We appreciate you allowing us to reply to you.
Sincerely,
[redacted]

April 12, 2017   Mr. [redacted] Complaint ID #: [redacted]   Dear Mr. [redacted]:   I am responding to your submission regarding your USAA Brokerage Roth and Self-Directed IRA accounts.   On April 12, 2017, we sent a letter of explanation to your address on file to discuss and resolve...

your concerns.    Thank you for allowing us to reply to you.    Sincerely,   [redacted]   USAA means United Services Automobile Association and its affiliates. Accounts are introduced and brokerage services provided by USAA Financial Advisors, Inc. (FAI) and USAA Investment Management Company (IMCO), both registered broker-dealers, Members SIPC. Clearing, custody and other services provided by National Financial Services LLC (NFS), Member NYSE, SIPC.

October 28, 2015[redacted]Complaint ID #: [redacted]Dear Ms. [redacted]:I am responding to your submission regarding the promotional offer you received from the USAA Federal Savings Bank (FSB).  We regret the frustration this matter caused you.Thank you for speaking with [redacted], of our...

staff, who confirmed that a credit of $300.00 was applied to your account on October 7, 2015.  I also understand that Ms. [redacted] clarified the reasons why you were unable to view the offer details online.  Please know that the FSB complies with all applicable regulations and in line with our core values of service, loyalty, honestly, and integrity, and we respectfully reject your allegations of impropriety.  If you have any further questions, Ms. [redacted] remains available to assist you. Thank you for allowing us to reply to you.  Sincerely,[redacted]