December 19, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding the holds placed on deposits into your USAA Federal Savings Bank checking account Thank you for speaking with [redacted] , of our staff, who explained USAA’s hold policy, which states that a hold may be placed on a deposit to allow the bank to collect the funds Ms [redacted] advised that a positive account history would reflect on the holds placed on deposits If you have any additional questions, Ms [redacted] remains available to assist you We appreciate the opportunity to reply to you Sincerely, [redacted]
November 4, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your second submission regarding your USAA Federal Savings Bank checking account We responded to your complaint on November 3, While we recognize that you disagree, we feel confident that the correct decision has been made 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]
March 9, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] Our records confirm that you filed an inquiry with the Consumer Financial Protection Bureau (CFPB)We will respond to the CFPB accordingly Thank you for the opportunity to reply 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 meBut I do have concerns regarding the remaining funds that was placed in the accountThe balance was never in the negatives so my question to you is how will I receive the remaining money in the account which happens to be $ Regards, [redacted]
Complaint: [redacted] I am rejecting this response because: USAA still needs to respond with the facts and truth Its not up to you to close the caseI asked for underwriting /and or banking personal to contact me, so far no-one has not I need to discuss my personal concerns with the person(s) who reviewed my application the first time and the second time when the retirement income was added That has been my request from the beginning and its my right to speak with the personnel involved Regards, [redacted]
Complaint: [redacted] I am rejecting this response because:i still haven't found out any information as to why it was closedShe wasn't able to tell me thatAlso we never talked any other fees I incurred from this incident Regards, [redacted]
January 29, [redacted] Complaint ID #: [redacted] Dear [redacted] I am responding to your submission regarding the credit for a USAA checking account promotional offerWe strive to provide quality service to our entire membership, and I regret any frustration you experiencedThank you for speaking with [redacted] , of our staff, who confirmed that the communication regarding the $promotional offer sent to you specifically states the following: “To get your credit, you must have two qualifying direct deposits, each in the amount of $or more, that post to your checking account ending ***.” Because your direct deposits were less than $each, your account was not eligible for the promotional creditWarrant Officer [redacted] , it is important to note that USAA complies with all banking regulations and with our core values of service, loyalty, honesty, and integrityWe appreciate you allowing us to review the matter and respond to youSincerely, [redacted]
December 4, 2015Ms [redacted] M [redacted] Complaint ID #: [redacted] Dear Ms [redacted] :I am responding to your second submission about the handling of your deposit accounts with the USAA Federal Savings Bank and your insurance policy payments.We responded to your complaint on November 24, 2015, and we have subsequently made several attempts to reach you by telephone with no success While we recognize that you disagree, we feel confident that the correct decision has been made We appreciate the opportunity to review your concerns again; however, since no new information has been presented that would warrant a change in our position, we consider this matter closed.Sincerely, [redacted]
[redacted] [redacted] I am responding to your submission regarding your checking account with the USAA Federal Savings Bank (FSB) We regret any frustration this situation has caused The Depository Agreement and Disclosures (DAD), which is provided to account holders at account inception and available on usaa.com, governs deposit accounts and describes the hold policy associated with funds submitted through Remote Deposit Capture (RDC) servicesThe DAD states, “FSB will hold the funds for up to seven business days from the date of depositIn some instances, funds may be available sooner than seven business days based on such factors as credit worthiness, the length and extent of your relationship with FSB and its affiliates, transaction and experience history, and such other factors as FSB, in its sole discretion, deems relevant.” Thank you for speaking with [redacted] , of our staff, who explained the reason for the hold and declined to deviate from our current hold policy As a courtesy, Ms [redacted] processed a refund for the nonsuffcient funds fee If you have additional questions, Ms [redacted] remains available to assist you We appreciate the opportunity to reply to you Sincerely, [redacted] ***
Complaint: I am rejecting this response because: Regards, Albert Fisher I am the service member and for them to tell me that any transactions she did is none of my businessThen to tell my JAG lawyer that the subpoena he served them with was no good in Texas.They called me times while I was on duty and when I tried calling them back they would not answer the phoneOn the account it has my name then it says or her name
December 4, [redacted] Complaint ID #: [redacted] Dear [redacted] ***:I am responding to your submission regarding your credit card account Our records confirm that you filed an inquiry with the Consumer Financial Protection Bureau (CFPB) We will respond to the CFPB accordingly Thank you for the opportunity to replySincerely, [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: I feel that the way the company corrected there blunder is not enough to compensate me at this time Regards, [redacted] ***
Complaint: [redacted] I am rejecting this response because: Thank you for taking the time to respond,unfortunately I reject you response due to the incorrect information provided to me via your mobile application stating my accounts were not in the negative at the time I made the transfer Operating under that information I proceeded to make a transfer from savings to checking to prevent overdrafts Much to my dismay your institution processed the debits to my account the following day shortly before posting my deposit transferred from savings.That said I believe it is in the best interest of other patrons to be aware of this type of non customer service oriented process so they can mitigate their own potential dealings with USAA.I have since signed up for overdraft protection provided by your company that will pull from my savings to prevent overdraft Since obviously me doing it manually is not a process you allow Or would take the opportunity to assess fees before properly taking care of your customer Regards, [redacted]
August 16, Ms [redacted] Complaint ID #: [redacted] Dear Ms***: I am responding to your second submission regarding your checking account with the USAA Federal Savings Bank (FSB) Thank you for speaking with [redacted] , of our staff, who explained the reason for the hold on your funds Our records indicate that the hold has been released and the nonsufficient funds fee was waived as a courtesyIf you have additional questions, Ms [redacted] remains available to assist youWe appreciate you allowing us to reply to you Sincerely, [redacted]
November 5, [redacted] Complaint ID #: [redacted] Dear [redacted] ***: I am responding to your submission regarding your mortgage payment We regret any inconvenience or frustration this matter caused you as we strive to provide quality service and accurate information to our entire membership Our records reflect that your mortgage loan ending in [redacted] was paid in full on September 25, That same day, a $overpayment on that mortgage was applied as a principal curtailment to your new mortgage loan ending in *** County taxes for your loan ending in [redacted] were due on October 1, 2015, and since your loan was paid off prior to the tax due date, [redacted] , Incdid not disburse a payment from the established escrow account [redacted] s, of our staff, thoroughly reviewed your situation and attempted to speak with you and Mrs [redacted] to discuss the results of her review Please contact Ms [redacted] s at ( [redacted] or ( [redacted] , Extension ***, at your earliest convenience, to discuss the options for the refund or the application of the $payment received in September We look forward to speaking with you Thank you for allowing us to research this matter and reply to you Sincerely, [redacted]
August 5, [redacted] Dear Mr***: I am responding to your submission regarding the deposit hold you experiencedThe USAA Federal Savings Bank (FSB) handles deposits in accordance with the Depository Agreement and Disclosures (DAD), which is provided to account holders when an account is established and is available for review any time on usaa.comThe DAD states that 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 various factors the FSB, in its sole discretion, deems relevantPlease note that holds do not apply to direct deposits and wire transfersThank you for speaking with [redacted] ***, of our staff, who released the hold after analyzing your overall account historyMs [redacted] thoroughly reviewed your situation and confirmed that you were advised that a hold may apply prior to your depositWe regret that you were unable to speak with a supervisor immediately; however, a manager callback was offered appropriatelyShould you have any further questions, Ms [redacted] remains available to assist youWe appreciate the opportunity to reply to youSincerely, [redacted] ***
September 6, Ms [redacted] Complaint ID #: [redacted] Dear Ms [redacted] : I am responding to your submission regarding your deposit accounts with the USAA Federal Savings Bank Unfortunately, [redacted] , of our staff, was unable to reach you by phone to address your concernsNonetheless, after a thorough review, she confirmed your charged off accounts were covered under the bankruptcy and you do not owe for the balancesTherefore, on August 30, 2017, your funds were returned to your newly opened accountsIf 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 have been playing telephone tag with a USAA representative Anyway, he is right that none of my checks were returned However, my automatic debits are the ones that were not honored Some of them were to the IRS, FTB, Chase Mtg., Hennepin County Property Taxes, Golden Rain Foundation, T-Mobil, Excel Energy, Cities Bank I'm sure there were more as the notices are still coming in Regards, [redacted]
December 19, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding the holds placed on deposits into your USAA Federal Savings Bank checking account Thank you for speaking with [redacted] , of our staff, who explained USAA’s hold policy, which states that a hold may be placed on a deposit to allow the bank to collect the funds Ms [redacted] advised that a positive account history would reflect on the holds placed on deposits If you have any additional questions, Ms [redacted] remains available to assist you We appreciate the opportunity to reply to you Sincerely, [redacted]
November 4, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your second submission regarding your USAA Federal Savings Bank checking account We responded to your complaint on November 3, While we recognize that you disagree, we feel confident that the correct decision has been made 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]
March 9, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] Our records confirm that you filed an inquiry with the Consumer Financial Protection Bureau (CFPB)We will respond to the CFPB accordingly Thank you for the opportunity to reply 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 meBut I do have concerns regarding the remaining funds that was placed in the accountThe balance was never in the negatives so my question to you is how will I receive the remaining money in the account which happens to be $ Regards, [redacted]
Complaint: [redacted] I am rejecting this response because: USAA still needs to respond with the facts and truth Its not up to you to close the caseI asked for underwriting /and or banking personal to contact me, so far no-one has not I need to discuss my personal concerns with the person(s) who reviewed my application the first time and the second time when the retirement income was added That has been my request from the beginning and its my right to speak with the personnel involved Regards, [redacted]
Complaint: [redacted] I am rejecting this response because:i still haven't found out any information as to why it was closedShe wasn't able to tell me thatAlso we never talked any other fees I incurred from this incident Regards, [redacted]
January 29, [redacted] Complaint ID #: [redacted] Dear [redacted] I am responding to your submission regarding the credit for a USAA checking account promotional offerWe strive to provide quality service to our entire membership, and I regret any frustration you experiencedThank you for speaking with [redacted] , of our staff, who confirmed that the communication regarding the $promotional offer sent to you specifically states the following: “To get your credit, you must have two qualifying direct deposits, each in the amount of $or more, that post to your checking account ending ***.” Because your direct deposits were less than $each, your account was not eligible for the promotional creditWarrant Officer [redacted] , it is important to note that USAA complies with all banking regulations and with our core values of service, loyalty, honesty, and integrityWe appreciate you allowing us to review the matter and respond to youSincerely, [redacted]
December 4, 2015Ms [redacted] M [redacted] Complaint ID #: [redacted] Dear Ms [redacted] :I am responding to your second submission about the handling of your deposit accounts with the USAA Federal Savings Bank and your insurance policy payments.We responded to your complaint on November 24, 2015, and we have subsequently made several attempts to reach you by telephone with no success While we recognize that you disagree, we feel confident that the correct decision has been made We appreciate the opportunity to review your concerns again; however, since no new information has been presented that would warrant a change in our position, we consider this matter closed.Sincerely, [redacted]
[redacted] [redacted] I am responding to your submission regarding your checking account with the USAA Federal Savings Bank (FSB) We regret any frustration this situation has caused The Depository Agreement and Disclosures (DAD), which is provided to account holders at account inception and available on usaa.com, governs deposit accounts and describes the hold policy associated with funds submitted through Remote Deposit Capture (RDC) servicesThe DAD states, “FSB will hold the funds for up to seven business days from the date of depositIn some instances, funds may be available sooner than seven business days based on such factors as credit worthiness, the length and extent of your relationship with FSB and its affiliates, transaction and experience history, and such other factors as FSB, in its sole discretion, deems relevant.” Thank you for speaking with [redacted] , of our staff, who explained the reason for the hold and declined to deviate from our current hold policy As a courtesy, Ms [redacted] processed a refund for the nonsuffcient funds fee If you have additional questions, Ms [redacted] remains available to assist you We appreciate the opportunity to reply to you Sincerely, [redacted] ***
Complaint: I am rejecting this response because: Regards, Albert Fisher I am the service member and for them to tell me that any transactions she did is none of my businessThen to tell my JAG lawyer that the subpoena he served them with was no good in Texas.They called me times while I was on duty and when I tried calling them back they would not answer the phoneOn the account it has my name then it says or her name
December 4, [redacted] Complaint ID #: [redacted] Dear [redacted] ***:I am responding to your submission regarding your credit card account Our records confirm that you filed an inquiry with the Consumer Financial Protection Bureau (CFPB) We will respond to the CFPB accordingly Thank you for the opportunity to replySincerely, [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: I feel that the way the company corrected there blunder is not enough to compensate me at this time Regards, [redacted] ***
Complaint: [redacted] I am rejecting this response because: Thank you for taking the time to respond,unfortunately I reject you response due to the incorrect information provided to me via your mobile application stating my accounts were not in the negative at the time I made the transfer Operating under that information I proceeded to make a transfer from savings to checking to prevent overdrafts Much to my dismay your institution processed the debits to my account the following day shortly before posting my deposit transferred from savings.That said I believe it is in the best interest of other patrons to be aware of this type of non customer service oriented process so they can mitigate their own potential dealings with USAA.I have since signed up for overdraft protection provided by your company that will pull from my savings to prevent overdraft Since obviously me doing it manually is not a process you allow Or would take the opportunity to assess fees before properly taking care of your customer Regards, [redacted]
Complaint: [redacted] I am rejecting this response because: this doesn't even address my concerns Regards, [redacted] ***
August 16, Ms [redacted] Complaint ID #: [redacted] Dear Ms***: I am responding to your second submission regarding your checking account with the USAA Federal Savings Bank (FSB) Thank you for speaking with [redacted] , of our staff, who explained the reason for the hold on your funds Our records indicate that the hold has been released and the nonsufficient funds fee was waived as a courtesyIf you have additional questions, Ms [redacted] remains available to assist youWe appreciate you allowing us to reply to you Sincerely, [redacted]
November 5, [redacted] Complaint ID #: [redacted] Dear [redacted] ***: I am responding to your submission regarding your mortgage payment We regret any inconvenience or frustration this matter caused you as we strive to provide quality service and accurate information to our entire membership Our records reflect that your mortgage loan ending in [redacted] was paid in full on September 25, That same day, a $overpayment on that mortgage was applied as a principal curtailment to your new mortgage loan ending in *** County taxes for your loan ending in [redacted] were due on October 1, 2015, and since your loan was paid off prior to the tax due date, [redacted] , Incdid not disburse a payment from the established escrow account [redacted] s, of our staff, thoroughly reviewed your situation and attempted to speak with you and Mrs [redacted] to discuss the results of her review Please contact Ms [redacted] s at ( [redacted] or ( [redacted] , Extension ***, at your earliest convenience, to discuss the options for the refund or the application of the $payment received in September We look forward to speaking with you Thank you for allowing us to research this matter and reply to you Sincerely, [redacted]
August 5, [redacted] Dear Mr***: I am responding to your submission regarding the deposit hold you experiencedThe USAA Federal Savings Bank (FSB) handles deposits in accordance with the Depository Agreement and Disclosures (DAD), which is provided to account holders when an account is established and is available for review any time on usaa.comThe DAD states that 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 various factors the FSB, in its sole discretion, deems relevantPlease note that holds do not apply to direct deposits and wire transfersThank you for speaking with [redacted] ***, of our staff, who released the hold after analyzing your overall account historyMs [redacted] thoroughly reviewed your situation and confirmed that you were advised that a hold may apply prior to your depositWe regret that you were unable to speak with a supervisor immediately; however, a manager callback was offered appropriatelyShould you have any further questions, Ms [redacted] remains available to assist youWe appreciate the opportunity to reply to youSincerely, [redacted] ***
September 6, Ms [redacted] Complaint ID #: [redacted] Dear Ms [redacted] : I am responding to your submission regarding your deposit accounts with the USAA Federal Savings Bank Unfortunately, [redacted] , of our staff, was unable to reach you by phone to address your concernsNonetheless, after a thorough review, she confirmed your charged off accounts were covered under the bankruptcy and you do not owe for the balancesTherefore, on August 30, 2017, your funds were returned to your newly opened accountsIf 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 have been playing telephone tag with a USAA representative Anyway, he is right that none of my checks were returned However, my automatic debits are the ones that were not honored Some of them were to the IRS, FTB, Chase Mtg., Hennepin County Property Taxes, Golden Rain Foundation, T-Mobil, Excel Energy, Cities Bank I'm sure there were more as the notices are still coming in Regards, [redacted]
Complaint: [redacted] I am rejecting this response because:No one has tried contacting me Regards, [redacted]