Robert W. Carpenter, Esq.

February 26, Mr [redacted] Complaint ID #: [redacted] Dear Mr***: I am responding to your submission regarding the billing for your credit card I understand that [redacted] , of our staff, communicated with you about the account activityThe interest charge was assessed in accordance with the USAA Credit Card Agreement, which is provided to all cardholders and is available on usaa.com, and we respectfully decline your request for a refundIf you have additional 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

Mr [redacted] * [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding the credit card and deposit accounts you hold with the USAA Federal Savings Bank (FSB)We regret the frustration and inconvenience this mater may have caused youOur records reflect that on September 21, 2015, you made a credit card payment, which was funded by your USAA deposit accountAs a result of a system error, on September 30, 2015, the transaction was duplicatedOn October 1, 2015, you contacted the FSB regarding the missing funds from your deposit accountDuring the call, you were advised of the system error, and on the same day, a notice was sent to you explaining the transaction would be correctedHowever, while the funds for the duplicate payment were returned to your deposit account, the duplicate credit was not removed from your credit cardWhile reconciling your credit card account, it was identified that the duplicate credit was not corrected; therefore, on April 14, 2016, it was removedIn addition, as you requested, copies of your credit card statements were mailed to you on May 20, [redacted] , of our FSB staff, was unable to reach you by phone to discuss the details of his findingsNonetheless, if you have additional questions, he remains available to assist youWe appreciate you allowing us to reply to youSincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

Complaint: [redacted] the correct way. Cause I feel when the contract was doctored with the wrong interest rate and them also stating I signed a contract for that bad interest rate (which I proved Inever signed for) was fraudulent. And for them to sweep my other concerns aboutthe process of taking care of this issue under rug is uncalled for. And since I tried towork with them to get this all straightened out at their level and they would not extendand further assistance of getting this resolved, I feel that they should be liable for a fraudulenceand tampering with the auto loan contract.Regards, [redacted] ***

June 17, [redacted] I am responding to your second submission regarding the $legal process fee assessed to your checking account with the USAA Federal Savings Bank (FSB)We responded to your complaint on June 4, 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.comInformation 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 handlingWe appreciate the opportunity to review your concerns again; however, we consider this matter closedSincerely, [redacted]

[redacted] I am responding to your submission regarding your Secured Platinum MasterCard with the USAA Federal Savings Bank (FSB). On March 17, 2014, the FSB established a Secured Platinum MasterCard for you, which was... backed by a $300.00 Certificate of Deposit (CD) account. On April 29, 2014, we were notified of your bankruptcy filing and the secured card was charged off. On April 30, 2014, you were advised the CD would be closed after the bankruptcy filing was discharged. On April 12, 2016, your CD was closed and the funds were applied to your account balance. A draft for $109.24 was mailed to your address of record on April 14, 2016. We have also confirmed that the FSB is accurately reporting your account status to the credit reporting agencies. Thank you for allowing us to research this matter and respond to you. Sincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC. Other bank products are issued and serviced by USAA Federal Savings Bank.

September 19, Mrs [redacted] Complaint ID # [redacted] Dear Mrs***: I am responding to your submission regarding the official check issued from your checking account with [redacted] Federal Savings BankWe regret any frustration this matter may have caused you [redacted] [redacted] , of our staff, was unsuccessful in her attempts to contact youNonetheless, she thoroughly reviewed your account and confirmed that the mobile application provided a disclaimer notification prior to your submissionThe notification states, “After submission, your check cannot be changed or canceled for days.” As such, we are unable to place a stop payment on the official check until the 90-day waiting period has expired Should you have additional questions, Ms [redacted] remains available to assist you, and she can be reached at (***) ***- [redacted] (***) or (***) ***-***, Extension *** We appreciate you allowing us to reply to you Sincerely, [redacted]

[redacted] I am responding to your submission regarding your credit cards with the USAA Federal Savings Bank I apologize for the frustration you experienced as we strive to provide quality service to our entire membership, and feedback about your situation has been shared with the appropriate areas Thank you for bringing this matter to our attention [redacted] ***, of our staff, was unsuccessful in her attempts to reach you by telephone to address your concerns Nonetheless, a thorough review of your account was completed, and the three remaining charges were credited to your account on April and April 22, If 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

[redacted] I am responding to your submission regarding your Certificate of Deposit (CD) account with the USAA Federal Savings Bank (FSB)Thank you for speaking with [redacted] , of our FSB staff, about your concernsAs she explained, since the term of your CD was months, the FSB charges days of interest for early terminationIf you have additional questions, Ms [redacted] remains available to assist youWe appreciate the opportunity to reply to youSincerely, [redacted] ***

May 2, Mr [redacted] Complaint ID #: [redacted] Dear Mr***: I am responding to your submission regarding your recent mortgage experience with the USAA Federal Savings BankI regret any frustration you may have experienced Thank you for speaking with [redacted] , of our staff, who confirmed that a request was submitted for reimbursement of the $for the termite inspectionWe ask that you allow to business days for the check to be issuedShould you have additional questions regarding this matter, Ms [redacted] remains available to assist you We appreciate the opportunity to reply to you Sincerely, [redacted]

December 11, Mr [redacted] Complaint ID #: [redacted] Dear Mr***: I am responding to your submission regarding your auto insurance premium and the activity in your spouse’s checking accountWe 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 ***, 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] ***

January 25, Gunnery Sergeant [redacted] (USMC) Complaint ID #: [redacted] Dear Gunnery Sergeant ***: I am responding to your submission regarding your USAA Federal Savings Bank deposit account Thank you for speaking with [redacted] , of our staff, who accommodated your request I hope that your conversation with Mr [redacted] reassured you that your satisfaction is important to us If you have additional questions, Mr [redacted] remains available to assist you We appreciate you allowing us to reply to you Sincerely, [redacted]

December 3, 2015Mr [redacted] ***Complaint ID #: [redacted] Dear Mr***:I am responding to your submission regarding your deposit accounts with the USAA Federal Savings Bank.Thank you for speaking with [redacted] , of our staff, about your concerns I understand that Ms [redacted] explained the handling of your accounts was appropriate, and she discussed account alert options that may help to prevent a future occurrence Should you have any questions, Ms [redacted] can be reached at ( [redacted] Thank you for allowing us to reply to you Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: I will not release this case until "all" obligations recorded have been completed by USAA, and Ms [redacted] call and a check has cleared at my bank and cash in hand, this case is not closedI have recorded calls of other person from this business of their lies proof in my recorded messages, so I am cautious of any one at this company and prefer not to close this case as I said until completed 100%.In kind regards, [redacted]

January 23, Captain [redacted] , USAR Complaint ID #: [redacted] Dear Captain [redacted] : I am responding to your submission regarding your home equity line of credit and service experience I regret the frustration this matter caused youOur employees are expected to be courteous and informative and to handle matters in a timely mannerYour feedback was provided to the appropriate area to ensure other members do not have a similar experience Thank you for speaking with [redacted] ***, of our staff, who addressed your concerns and confirmed your payment is not being reported adversely to the consumer reporting agencies as it was not days lateIf you have additional questions, Ms [redacted] remains available to assist you We appreciate you allowing us to reply to you Sincerely, [redacted] ***

January 13, [redacted] Complaint ID #: [redacted] Dear [redacted] : I am responding to your submission regarding your checking and savings accounts with the USAA Federal Savings Bank (FSB) [redacted] , of our FSB staff, was unsuccessful in his attempts to reach you by telephone to discuss your concernsNonetheless, he thoroughly reviewed your accounts and found that the negative balance on the checking account prevented its closing as you requestedIn addition, since the account had a negative balance for more than consecutive days, it was charged off on December 31, 2015, and was closed; however, you remain responsible for the balanceMr [redacted] confirmed that your savings account maintained a zero balance and was closedThe fees assessed to your checking account were charged appropriately; therefore, we respectfully decline your request for a refundShould you have additional questions, Mr [redacted] remains available to assist you and can be reached at ( [redacted] Thank you for allowing us to reply to youSincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: USAA has in tbe past submitted mailing information to my proper addressThis excuse is yet another fabrication to cover up violations of the FDCPA Regards, [redacted] ***

August 18, Mrs [redacted] R [redacted] Complaint ID #: [redacted] Dear Mrs [redacted] : I am responding to your submission regarding your personal loan with USAA Federal Savings Bank (FSB)I regret any inconvenience you may have experienced, and I hope you find the following information helpful [redacted] ***, of our staff, thoroughly reviewed your loan documentsHe confirmed that the appropriate details were provided to you regarding the interest rateAs he explained, the “average” interest was $129.00, and he also clarified simple interest and principal payment optionsI hope you found your conversation with Mr [redacted] responsive to your concerns Mrs [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 We appreciate you allowing us to reply to you Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because:This is the exact response that I previously received from USAA, however, I have yet to receive the letter that I have been requestingI need a letter that states that these four accounts are fradulent, and I will not be held responsible for these loansI need the letter to acknowledge that four accounts were fraudulently opened in my name, including a $25,consumer loan, $9,consumer loan, a checking account, and a savings account Regards, [redacted] ***

September 21, Mr [redacted] Complaint ID # [redacted] Dear Mr [redacted] I am responding to your submission regarding USAA credit card accounts Thank you for speaking with [redacted] , of our staff, who confirmed that we have thoroughly reviewed this matter and that no new information has been presented that would warrant a change in our positionIf 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

Revdex.com: so with that being said will these matter what would be the next stage with this matter of take over cause I suffer a grate impact 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]