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Robert WCarpenter, Esq

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Reviews Robert WCarpenter, Esq

Robert WCarpenter, Esq Reviews (274)

June 30, [redacted] Complaint ID #: [redacted] Dear Ms***: I am responding to your submission regarding your deposit account with the USAA Federal Savings Bank (FSB)I regret any frustration that you experiencedA thorough review of the debit card transactions that you reported on June 6, 2016, found no evidence that fraud or identity theft activity occurredBased on these findings, we are unable to comply with your request to reimburse you $2,On June 27, 2016, your dispute of an Automated Clearing House (ACH) transaction of $423.00, was completedThe FSB reversed a temporary credit that was previously applied on your account; however, due to insufficient funds, this resulted in an overdrawn balance of $No additional credits are owed on the ACH disputeIf you have any questions regarding this matter, please call [redacted] , of our staff, at [redacted] Thank you for allowing us to respond to youSincerely, [redacted] ***

February 17, Mr [redacted] L [redacted] Complaint ID #: Dear Mr [redacted] : I am responding to your submission regarding your auto loan refinance application, and I apologize for the inconvenience this situation caused you Thank you for speaking with [redacted] , of our staff, who discussed your concerns, advised that your feedback will be shared with the appropriate areas, and agreed to assist you if you should decide to pursue a loan for a new vehicle If you have additional questions, please don’t hesitate to contact Ms [redacted] We appreciate you allowing us to reply to you Sincerely, [redacted] ***

Complaint: [redacted] I am rejecting this response because: USAA did not adequately provide proof that my niece was a victim of a scamThere are still some questions that remain that USAA did not answerI need USAA to verify that the person who called USAA in regards to the transfers was actually my niece and provide the steps that were taken to adequately identify the account holderProviding information that her cell phone number was used is not proof enough especially when USAA was notified that her cell phone was stolenWhat identity prompts were used in addition to the registered telephone number? Additionally, USAA did not provide evidence showing who signed for, and who was the payee on the money orders in question? I find it quite strange that USAA provides a copy of all checks on the account when providing paper statements, but refuses to provide a copy of the money orders in questionIf the money order shows a signature from one of the joint account holders then it is indeed fraudOne account holder lives in Arlington, VA and the other account holder lives in Fort Worth, TXThe fraudulent checks were being deposited in San Antonio, TX where USAA is headquarteredFurthermore, I would like for USAA to provide proof that contradicts my niece's report that her cell phone was stolen along with her debit cardJust because her debit card and pin was used does not mean that she willingly gave that information away especially when USAA's mobile app allows you to store that type of informationThe information that USAA has provided is based on assumptions and suspicions, not facts Regards, [redacted] ***

Complaint: [redacted] I am rejecting this response because: They still have not fixed the proplem just pushing it down the roadMy house was aprased for more months ago and values continue to rase in our areaAnd the aprasal that was done months ago the apasor did not know any values to green homes and gave way less then the arizona values on owned solar systems and now usaa send a person to drive ny our house and give a low ball value on a IRRRL VA refi and no apasal is needed in a IRRRL refi and they pulled the va aprasal from months ago and sent me a copy and then they low ball it trying to collect $for the under value they are trying to state the house is worth if they want a true value then they should do a proper value like all the other aprasal I have done in the past someone comes to the house measure takes pictures and checks the hole property out and gives a value not someone driving by and guessing what it is worthThats a worthless aprasal Regards, [redacted]

November 3, Ms [redacted] ***Complaint ID #: [redacted] Dear Ms***: I am responding to your submission regarding your deposit accounts with the USAA Federal Savings Bank (FSB)Thank you for speaking with [redacted] , of our FSB staff, about your concerns I understand that she assisted you with locating a funds transfer confirmation on usaa.com and explained the FSB’s deposit hold policy I hope that your conversation with Ms [redacted] reassured you that your satisfaction is important to us Please know that Ms [redacted] remains available to assist you should you have additional questionsWe 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 meEverything was fixed a few days after I sent this letter Regards, [redacted] ***

October 12, Ms [redacted] Complaint ID #: [redacted] Dear Ms [redacted] : I am responding to your submission regarding your joint checking account with the USAA Federal Savings Bank (FSB) USAA was founded on four core values - honesty, loyalty, integrity, and service These values guide all of our business decisions, and our members have come to expect them in everything we do 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 levels of conduct in their business transactions with us Our policy prohibits USAA and its affiliates from continuing to do business, to the extent allowed by law, with a member who engages in activity that compromises our principles Therefore, the FSB is exercising its option to terminate the business relationship with you We have reviewed this matter in detail, and we are confident that the appropriate decision has been made; hence, you remain liable for the outstanding balance on the account [redacted] , of our staff, has been unsuccessful in her attempts to reach you to address the aforementioned If you have additional questions, Ms [redacted] remains available to assist youThank you for allowing us to reply to you Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: I have not received any communication from USAAPlease reach out Regards, [redacted]

August 31, Ms [redacted] ***Complaint ID #: [redacted] Dear Ms***: I am responding to your submission regarding your disputed charge on your USAA Federal Savings Bank (FSB) credit card I regret any frustration or inconvenience you may have experienced [redacted] [redacted] of our staff was unsuccessful in her attempts to contact you Nonetheless, a complete review of your account was conducted Our research shows that the merchant issued you a credit for the overcharges on April 12, Although you received resolution letters, it was not disclosed that the credit was issued by the merchant; this oversight will be properly addressedIf you have additional questions, Ms [redacted] remains available to assist you We appreciate you allowing us to reply to you Sincerely, [redacted]

June 5, Ms [redacted] Complaint ID #: [redacted] Dear Ms [redacted] I am responding to your submission regarding your deposit account Thank you for speaking with [redacted] , of our staff, and confirming your concerns were resolvedPlease know your feedback is appreciated as we are continually seeking ways to improve the way we do businessIf you have additional questions, Ms [redacted] remains available to assist you We appreciate you allowing us to reply to you Sincerely, [redacted] ***

December 21, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding payments initiated through USAA’s Web BillPay serviceThank you for speaking with [redacted] , of our staff, about your concerns Mr [redacted] confirmed that your payments were returned due to insufficient funds in your checking account No system issues have been identified; however, as a courtesy, Mr [redacted] refunded two $nonsufficient funds fees to your account If you have additional questions, Mr [redacted] remains available to assist youWe appreciate you allowing us to reply to you Sincerely, [redacted]

September 7, Ms [redacted] Complaint ID #: [redacted] Dear Ms [redacted] : I am responding to your submission regarding your deposited funds, and I regret the frustration this situation caused you Unfortunately, [redacted] , of our staff, was unable to contact you by phone to address your concernsNonetheless, he completed a thorough review of your account and determined the account number you provided Vanguard® was your member number and not your checking account numberTherefore, the funds were placed into another member’s accountHowever, we located the funds and on August, 31, 2017, we credited the funds to your checking accountIf you have additional questions, Mr [redacted] remains available to assist you We appreciate you allowing us to reply to you Sincerely, Courtney Evins

March 22, Specialist [redacted] , USA Complaint ID #: [redacted] Dear Specialist [redacted] : I am responding to your submission regarding the USAA Federal Savings Bank decision to close your deposit accounts USAA was founded on four core values – service, loyalty, honesty, integrityThese values guide all of our business decisions, and our members have come to expect them in everything we doIn 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 breach those valuesOur policy prohibits USAA and its affiliates from continuing to do business, to the extent allowed by law, with a member who engages in activity that compromises our principles [redacted] ***, of our staff, was unsuccessful in her attempts to reach you by phone; however, she conducted a thorough review of your accountsShe confirmed that our decision was made as a result of the history on your account, and based on the documentation we have, the previous decision will remainYour savings account has an overdrawn balance; therefore, a reimbursement is not warranted Thank you for allowing us to reply to you Sincerely, [redacted]

September 15, Technical Sergeant [redacted] , ANGComplaint ID #: [redacted] Dear Sergeant [redacted] : I am responding to your second submission regarding nonsufficient funds (NSF) fees assessed to your USAA Federal Savings Bank (FSB) checking account ending in ***As our previous response advised, you selected savings account [redacted] as overdraft protection for checking account *** Savings account [redacted] was automatically closed in October after maintaining a zero balance for days The FSB’s Depository Agreement and Disclosures (DAD) explains that overdraft protection will terminate automatically if the protecting account is closedIt remains your responsibility to ensure that overdraft protection is updated on your deposit accounts In August 2017, pending transactions reduced the available balance of checking ***, causing multiple Automated Clearing House transactions to be rejected due to insufficient funds in the account On each occurrence, a $NSF fee was assessed in accordance with the FSB’s Service Fee ScheduleThe DAD and your account statements are available on usaa.com for your review at your convenienceRegarding your homeowners insurance policy, our records reflect that your coverage was canceled effective July 14, 2016, at your request On August 6, 2016, a refund check was mailed to your mortgage companyWe appreciate another opportunity to reply to you Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: the two corporate people assigned to my case have conflicting storiesOne said I gave my information to someone when I did not and the other wanted me to send him proof of the bank statement and check inof from where the check came from They both have addressed two different things and when speaking to the lady she wouldnt give me pertinent informationLike she was hiding something She wouldnt give me the proof that I intentionally gave my info outAnd the other guy never said thatThen lied and said someone told me on the 12th of septemberlies all liesshe refused to give me any information Regards, [redacted] ***

July 20, [redacted] Dear Mrs***: I am responding to your submission regarding your deposit accounts with the USAA Federal Savings BankI apologize for the frustration and inconvenience you experienced when you were not able to access your funds [redacted] , of our staff, reviewed the deposit activity, removed the restriction to your accounts and restored your access to your funds Should you have any questions, Ms [redacted] remains available and can be reached at [redacted] Thank you for allowing us to reply to you Sincerely, [redacted]

August 15, Mrs [redacted] Complaint ID #: Dear Mrs [redacted] : I am responding to your submission regarding the nonsufficient funds (NSF) fees and subsequent right to offset (RTO) assessed to your accounts with USAA Federal Savings Bank (the FSB)I regret any frustration or inconvenience you experienced as a result of this matter On June 5, 2017, the balance in checking account ending in was $Between June and July 5, 2017, the FSB assessed seven $NSF fees for returned ACH items from AT&T and Prestige Financial Service, as allowed per the Fee Schedule located within the Depository Agreement Disclosure (DAD)Each fee assessed further overdrew the accountTherefore, on June 20, 2017, the FSB sent the Notice of Overdraft to the address on file stating the account would be closed if it remained in an overdrawn statusConsequently, on July 6, 2017, the FSB processed an RTO from the checking account ending in Our records confirm that all the NSF fees were accurately assessed to your accountAccording to the FSB’s DAD, which is provided to all account holders and is available on usaa.com, "When you do not have enough available funds in your account to cover a check or other item (such as an in-person withdrawal, ATM withdrawal, automatic payment, point-of-sale or debit card purchase, or other electronic transaction), FSB considers this to be a NSF item (insufficient funds item)FSB may without notice to you and in its sole discretion, either pay such items and overdraw your account, or decline or return such items unpaidIn either case, FSB may charge for each insufficient funds item and for each overdraft as set forth in the Service Fee Schedule for your account.” Likewise, the DAD also states that the FSB may, without prior notice or demand, apply or setoff the funds in your account at any time to pay any debt that you have with the FSB, and/or any fees or service charges owed to FSBWhile we recognize that you disagree, we are confident that the correct decision has been made 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 [redacted] , of our staff, attempted to contact you to discuss your concernsMs [redacted] confirmed that two NSF fees were refunded since you disputed the transactionsIf you have any questions, Ms [redacted] remains available and can be reached at (***) ***- [redacted] (USAA) or (***) ***-***, Extension *** Thank you for allowing us to reply to you Sincerely, [redacted]

January 10, Ms [redacted] Complaint ID #: [redacted] Dear Ms [redacted] : I am responding to your second submission regarding your debit card dispute, We responded to your complaint on December 27, [redacted] , of our staff, confirmed that our previous response is appropriate and no new information has been presented that would warrant a change in our position We appreciate the opportunity to review your concerns again; however, we consider this matter closed Sincerely, [redacted]

September 8, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your second submission regarding your deposit account with the USAA Federal Savings BankWe responded to your complaint on August 27, Since an inquiry was filed with the Consumer Financial Protection Bureau (CFPB) regarding this matter, we will respond to the CFPB accordinglyThank you for the opportunity to replySincerely, [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 Thank you very much for your assistance in this complaintRegards, [redacted]

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