Robert W. Carpenter, Esq.

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] ***

April 4, Mr [redacted] Complaint ID #: [redacted] Dear Mr***: I am responding to your submission regarding your automobile loan with USAA Federal Savings Bank (FSB) We regret any frustration this matter may have caused you Thank you for speaking with [redacted] , of our FSB staff, who advised you that although you were approved for a loan modification, we received the required documentation after the offer expired Ms [redacted] confirmed that your statements are being mailed to your address of recordIt is the same address included on your submission Should you have any other questions or wish to restart the modification process, Ms [redacted] remains available to assist you We appreciate you allowing us to reply to you Sincerely, [redacted]

September 11, Mrs [redacted] Complaint ID #: [redacted] Dear Mrs [redacted] : I am responding to your submission regarding your deposit account with the USAA Federal Savings Bank and I regret any frustration this matter may have caused you Thank you for speaking with [redacted] , of our staff, who discussed your concerns Our records indicate that we received your Written Statement of Unauthorized Debit form As such, on August 28, 2017, we issued a provisional credit of $to your account We will communicate the final resolution of our findings in writing calendar days from the date the dispute was submitted for review Mrs [redacted] , I regret that we did not meet your service expectations, as we strive to provide quality service to our entire membership Our employees are expected to be informative and it was identified that we could have done a better job when servicing your account Please know that coaching was provided to those involved to prevent a similar occurrence Should you have additional questions, Ms [redacted] remains available to assist you We appreciate you allowing us to reply to you Sincerely, [redacted]

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

October 24, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding your consumer loan experienceWe make every effort to ensure our members’ accounts are serviced efficiently and accurately [redacted] ***, of our staff, was unsuccessful in his attempts to contact youHe conducted a thorough review of your account and confirmed that USAA Federal Savings Bank has no record of receiving a payment of $4,from DiscoverThere is no indication the funds were misplaced or that a wire transfer was receivedIf you have additional questions, Mr [redacted] remains available to assist you Thank you for the opportunity to reply Sincerely, [redacted]

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 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] ***

[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

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]

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]

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] ***

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

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: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] ***

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] ***

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: 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]

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] ***

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]

August 3, [redacted] Dear Ms***: I am responding to your submission regarding your deposit account with the USAA Federal Savings Bank (FSB)The FSB handles deposits in accordance with the Depository Agreement and Disclosures (DAD), which is provided to account holders and is available for review on usaa.comThe DAD states the FSB can place a hold on funds deposited via remote deposit capture services, such as Deposit@Mobile®, for up to seven business days from the date of depositIn 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 [redacted] , of our staff, was unsuccessful in her attempts to contact you by telephoneMs [redacted] removed the hold due to your overall history with the FSB and funds were made available for your useWe thoroughly reviewed this matter and determined that the hold was placed appropriatelyTherefore, we are unable to honor your request to refund the one nonsufficient funds fee you incurredShould you have any further questions, Ms [redacted] remains available to assist you, and she can be reached at [redacted] Thank you for allowing us to reply to youSincerely, [redacted] ***