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.
complaint solved..thnx Revdex.com
Regards,
[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]

Complaint: [redacted]
I am rejecting this response because: I don't even know how this transfer happened.  If the transfer to other people takes an extra step then there is no reason that I would have made such mistake and not know about it until almost one month later.
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]

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]

July 25, 2017 Staff Sergeant [redacted], ARNGComplaint ID #: [redacted] Dear Sergeant [redacted]: I am responding to your submission regarding duplicate payment attempts from your USAA Federal Savings Bank (FSB) checking account.  We regret any frustration or inconvenience you...

experienced as a result. Thank you for speaking with [redacted], of our staff, who confirmed that the nonsufficient funds fees assessed after the attempted drafts were refunded to your checking account.  You advised Mr. [redacted] that an FSB representative reviewed the account activity with you in detail. If you have additional questions, Mr. [redacted] remains available to assist you. We appreciate you allowing us to reply to you.   Sincerely, [redacted]

June 29, 2017
Ms. [redacted] Complaint ID #: [redacted]
 Dear Ms. [redacted]:
I am responding to your submission regarding your checking account with the USAA Federal Savings Bank (FSB).
At the inception of each deposit account, you were provided with the Depository Agreement and...

Disclosures (DAD), which outlines the terms and conditions that govern your deposit accounts. According to the DAD, “you may make up to six withdrawals and/or transfers from savings accounts or money market deposit accounts each monthly statement cycle,” and that the “FSB may…impose a fee for exceeding the limits.” It also indicates that transfers to another of your FSB accounts are limited if made by preauthorized transfer, automatic transfer, telephone, fax, or usaa.com.
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 the fees incurred are in accordance to the DAD. Additionally, the mobile application is not intended to act as a ledger as it does not account for debits that are pending. If you wish to discuss this matter, Ms. [redacted] remains available to assist you.
We appreciate you allowing us to reply to you.
Sincerely,
[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]

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]

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]

October 9, 2015 [redacted]
[redacted]
Dear Mr. [redacted]: I am responding to your submission regarding your credit card disputes. Thank you for speaking with [redacted], of our staff, who confirmed we received the necessary documents to continue to dispute the charges...

with the merchant, and the provisional credits are currently on your account. Should you have any further questions, Mr. [redacted] remains available to assist you and can be reached at [redacted] Thank you for 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.

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]

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]

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]

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.

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]

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.

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]