Robert W. Carpenter, Esq.

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.

Complaint: [redacted]
I am rejecting this response because the necessary information needed to come to a conclusion was neither requested nor reviewed. In addition, it was stated that documentation to support USAA's findings would be provided to the Revdex.com and I am not seeing that information here.
Regards,
[redacted]

June 28, 2017   Mrs. [redacted] Complaint ID #: 12201129   Dear Mrs. [redacted]:   I am responding to your submission regarding your deposit account.    Our records show members of our staff spoke with you about the transaction on June 5, 2017, and advised you the ATM...

dispute would be processed within three to five business days.  The credit posted on June 12, 2017.  We regret any frustration this situation caused you.  [redacted], of our staff, was unable to reach you to discuss your concerns.  She remains available to assist you with any further questions.   We appreciate you allowing us to reply to you.    Sincerely,   [redacted]

Complaint: [redacted]
I am rejecting this response because:I was not a participant, but a victim of fraud, and USAA and its employees knowingly and willfully are attempting to prosecute / pursue a victim of fraud/ Identity Theft, which under Federal law is prohibited after recognizing person as a victim, which was recorded on your phones as your investigators final determination of the case. State Law also prohibits responsibility of the victim for any debt incurred from a new account, which the Thief opened a new account with my name, that was in fact not authorized, nor was the activity that occurred by the offender. State law also advises: I have the right to bring an action or assert a defense against anyone claiming a right to money or property in connection with a transaction resulting from identity theft.8 If you are a victim of “criminal” identity theft, which occurs when an identity thief creates a false criminal record in your name, you have additional rights. California Civil Code Section 1798.93. 9 California Penal Code Section 530.6. 10 California Penal Code Sections 530.6-530.7I have provided required FTC report, Affidavit(s), Police Reports, as well as contacts from my lawyer to your company. As to which no final determination was rendered or resulted from contacts, which are required by your company. My counsel also advised USAA of the malpractice that took place in it's attempts to investigate, communicate, and determine proper responsibility and rights to me as a victim. These documentations all went without response, other than copies of documentation from the fraud that was already previously provided, when the incident initially occurred.In a final attempt to resolve, I am urging USAA, to re-review the content of this matter, as well as the unlawful violation(s) that occurred here, as a consumer, long standing customer, and ultimate victim of this crime, and your companies negligence, I strongly hope you reconsider your final actions in this matter. 
Regards,
[redacted]

June 16, 2017
Mr. [redacted] Complaint ID #: [redacted]
Dear Mr. [redacted]:
I am responding to your submission regarding you deposit limit.
Thank you for speaking with [redacted], of our staff, who explained the reason for the deposit limit increase decline and provided other...

options for deposits. 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:This is a brand new one. They repossesed my car today when we had an arrangement. 
Regards,
[redacted]

November 10, 2016   Mr. [redacted] Complaint ID #: [redacted]   Dear Mr. [redacted]:   I am responding to your submission regarding the warranty on goods purchased with your USAA Savings Bank (USB) MasterCard.  I regret any frustration this has caused you.   [redacted], of our...

staff, was unsuccessful in her attempts to contact you; nonetheless, she conducted a thorough review of your account.  She confirmed that the claim was declined due to the product not being new, and the warranty coverage was expired.  I understand that Ms. [redacted] sent you a member message through usaa.com, with more information.  If you have any other questions, Ms. [redacted] remains available to assist you.   We appreciate the opportunity to reply to you.    Sincerely,   [redacted]

October 13, 2015 [redacted] Dear Mr. Wilcox: I am responding to your submission regarding your credit card account. I regret the frustration and inconvenience you experienced and appreciate the opportunity to review this matter. Our research...

confirms that you have been able to use your new credit card ending in [redacted].  In addition, the $482.88 credit from your old credit card account ending in [redacted] was transferred to credit card ending in [redacted] on September 23, 2015.  If you have any additional questions, or if you would like a check for the credit balance sent to you, please contact [redacted], of our staff, 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.

October 24, 2017
Mr. [redacted] Complaint ID #: [redacted]
Dear Mr. [redacted]:
I am responding to your submission regarding your consumer loan experience. We make every effort to ensure our members’ accounts are serviced efficiently and accurately.
[redacted], of our staff,...

was unsuccessful in his attempts to contact you. He conducted a thorough review of your account and confirmed that USAA Federal Savings Bank has no record of receiving a payment of $4,592.00 from Discover. There is no indication the funds were misplaced or that a wire transfer was received. If you have additional questions, Mr. [redacted] remains available to assist you.
Thank you for the opportunity to reply.
Sincerely,
[redacted]

July 24, 2017
Mr. [redacted] Complaint ID #: [redacted]
Dear Mr. [redacted]:
I am responding to your submission regarding the loan notice you received.
Thank you for speaking with [redacted], of our staff, who addressed your concerns and confirmed you do not owe a balance. If you...

have additional questions, Mr. [redacted] remains available to assist you.
We appreciate you allowing us to reply to you.
Sincerely,
Courtney Evins

May 25, 2017 Chief Petty Officer [redacted], USN (Ret.)Complaint ID #: [redacted] Dear Chief [redacted]: I am responding to your submission regarding your recent mortgage experience. I regret that we did not meet your service expectations as we make every effort to ensure our...

members’ accounts are serviced and maintained efficiently and accurately.  Please know that your situation was shared with our management team as we are continuously seeking ways to improve how we do business. Thank you for speaking with [redacted], of our staff, who discussed your concerns.  I hope that your conversation with Ms. [redacted] about the mortgage payoff process reassured you that your satisfaction is important to us. However, 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 stand by my assertion that USAA used unethical practices to review my application for the refinance loan for all the reasons I stated. Further, they treated me badly by reading from a standardized script without ever considering my Revdex.com complaint. Consult the letter I sent to the company CEO today, and call me when you are ready to treat my application with the same care you did the high interest loan that benefits YOU.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:
I called them back more than once, and left messages. They never called back. Which is typical. They don't feel that maintaining  contact with the customer is important.  
Regards,
[redacted]

April 24, 2017 Mrs. [redacted]Complaint ID #: [redacted] Dear Mrs. [redacted]: I am responding to your submission regarding your online access. Thank you for speaking with [redacted], of our staff, who explained the reasons your online access was restricted. Please...

note that our representatives are available to process any transactions or assist you with the servicing of your existing accounts.  We appreciate you allowing us to reply to you.   Sincerely, 
[redacted]

October 6, 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 (FSB).  We take all matters of fraud very seriously, and our...

decisions are not made without thorough consideration.    We appreciate you speaking with [redacted], of our staff, who discussed your concerns in detail.  No new information has been presented that would warrant a change in our position.    The FSB follows all applicable federal regulations and acts in accordance with our core values of service, loyalty, honesty, and integrity.  In keeping with the company’s core values and our commitment to the membership as a whole, USAA has adopted a policy that affects members who do not meet certain obligations with us. Based on your account transactions, we exercised our right, to the extent allowed by law, to discontinue doing business with you.  If you have additional questions, Mr. [redacted] remains available to assist you.   We appreciate you allowing us to reply to you.    Sincerely,   [redacted]

January 28, 2016 [redacted] Complaint ID #: [redacted] Dear Ms. [redacted]: I am responding to your submission regarding your checking account and automobile insurance policy. We regret any inconvenience you may have experienced as we strive to provide quality service. I understand that you spoke...

with [redacted], of our staff, who explained our hold policy and made funds available to you as a courtesy. It is important to note that the USAA Federal Savings Bank (FSB) acts and handles deposits in accordance with the Depository Agreement and Disclosures (DAD), which is provided to all account holders and is available for your review on usaa.com. The DAD states that the FSB can place a hold on funds deposited via remote deposit capture services, such as USAA EasyDeposit, for up to seven business days from the date of deposit. In some instances, the FSB may make funds available sooner based on such factors as credit worthiness, the length and extent of your relationship with the FSB and its affiliates, transaction and experience history, and such other factors as the FSB, in its sole discretion, deems relevant. Thank you for speaking with [redacted], also of our staff, who reviewed your automobile insurance policy and addressed your concerns. Ms. [redacted], we appreciate you allowing us to reply to you. Sincerely, [redacted]