July 12, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding your various accounts with USAA Federal Savings Bank 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]
August 30, Ms [redacted] Complaint ID #: [redacted] Dear Ms [redacted] : I am responding to your submission regarding your USAA Federal Savings Bank (FSB) auto loan [redacted] , of our staff, was unsuccessful in her attempts to contact youNonetheless, a thorough review of your account was conducted and our records show that on August 12, and August 16, 2016, you contacted USAA to make a payment using a third parties card This payment could not be processed as the third party was not present to authorize the transaction I understand that on August 23, 2016, a payment did post to satisfy the July 15, and July 30, due datesOur research shows that on March 13, 2016, your vehicle was repossessed due to delinquency The $storage fee is part of the repossession fees and will remain on your account as it was agreed on at the time that you arranged to redeem your vehicle If you have any additional questions, Ms [redacted] remains available to assist you We appreciate you allowing us to reply to you Sincerely, [redacted]
February 27, [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding your auto loan with USAA Federal Savings Bank (FSB) We conducted a thorough review of your account and hope the following information addresses our concerns Our research indicates that the automatic payments on your loan were established from the information included on your loan applicationWhen the loan became delinquent, we notified you in writing of the status on several occasionsTherefore, in accordance with the Fair Credit Reporting Act, the FSB is unable to remove any adverse information reported to the consumer reporting agenciesIt is important to note that we also provided the appropriate form to update your account informationHowever, the form was never returned, but on June 20, 2016, you updated the information for the automatic payments In keeping with the company’s core values and our commitment to the membership as a whole, the FSB has adopted a policy that affects members who do not meet certain obligations with usIn addition, to the extent allowed by law, our business policy allows USAA and our affiliates to stop doing business with a member where there has been abusive behavior by the memberWhen this basic principle is compromised, we transact with members by mail Thank you for allowing us to reply to you Sincerely, [redacted]
March 8, Mr [redacted] Complaint ID #: [redacted] Dear Mr***: I am responding to your second submission regarding the billing for your credit card We responded to your complaint on February 26, Our records reflect that on December 19, 2017, you processed a payment for the posted credit card transactionsAt that time, there were pending transactions totaling $that had not yet posted to the accountDuring overnight processing, the monthly account statement closed with a New Balance of $as the pending transactions had posted, and a copy of the monthly statement was sent to youThe statement noted, “We will not charge you any further interest on your Purchase Balance on this Statement if you pay your entire New Balance by your Payment Due Date of 01/13/18.” A payment was not received by the due date, and $in interest on purchases was assessed As a courtesy, we refunded the $interest charge on March 2, Additionally, [redacted] , of our staff, attempted to reach you, and she remains available if you would like to further discuss your concerns We appreciate you speaking with [redacted] ***, of our staff, about your email experience, and we hope you found the conversation informative Thank you for giving us another opportunity to respond Sincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC
April 11, Staff Sergeant [redacted] Complaint ID #: [redacted] Dear Sergeant ***: I am responding to your submission regarding your checking account with USAA Federal Savings BankI am sorry to hear about the frustration you experienced as we strive to provide quality service to our entire membership [redacted] ***, of our staff, completed a thorough review of your account and determined that the activity in question was not fraudulentIf you have additional questions, Ms [redacted] remains available to assist you via message on usaa.com Thank you for your service and for allowing us to reply to you Sincerely, [redacted]
Complaint: [redacted] I am rejecting this response because:still dont get that usaa made an error of $twice an I still have to pay it backThey didnt give me theb $ but want me to pay it back Regards, [redacted]
Complaint: [redacted] I am rejecting this response because: I called earlier and no response was given to me just recieved a call from usaa and they are going to follow up with me tommorow morningStill no resolutiom communicated to me Regards, [redacted] ***
July 27, Ms [redacted] Complaint ID #: [redacted] Dear Ms [redacted] : I am responding to your submission regarding your deposit accounts with USAA Federal Savings Bank (the FSB)I regret any frustration or inconvenience you experienced as a result of this matter Our records confirm that all the nonsufficient funds fees were accurately assessed to your accountAccording to the FSB’s Depository Agreement and Disclosures (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 Nonsufficient Funds (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.” 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 the nine 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]
March 20, Ms [redacted] Complaint ID #: [redacted] Dear Ms [redacted] : I am responding to your submission regarding the home equity line of credit you hold with Gunnery Sergeant [redacted] Our records show a payment was scheduled on January 15, 2017, for January 27, The payment posted as scheduled to satisfy the January 2, 2017, due date The account became delinquent, and we sent late payment notices to the address on file, which is the same address on your submission On April 14, 2017, two payments were scheduled and subsequently posted to satisfy the February and March due dates We spoke with you on April 19, 2017, and confirmed payments were received in January and April 2017, no payments were routed incorrectly, and there were no errors on the part of USAA On January 2, 2018, the account became delinquent We mailed letters and attempted to reach you by telephone A payment was processed on February 8, 2018, to satisfy the January due date We received credit bureau disputes related to the aforementioned activity and responded that we were reporting accurate information We regret that [redacted] , of our staff, was unable to reach you to discuss this matter Mr [redacted] reviewed the payment history and confirmed the account is being accurately reported to the consumer reporting agencies and no late fees were assessed If you have additional questions, Mr [redacted] remains available to assist you We appreciate you allowing us to reply to you Sincerely, [redacted] ***
November 25, [redacted] Complaint ID #: [redacted] Dear [redacted] ***:I am responding to your submission regarding your credit card account I regret any frustration you experienced as a result of this matter.Thank you for taking the time to speak with [redacted] , of our USAA Federal Savings Bank staff, about your concerns As you requested, we recalled the credit card account from the collection agency to cease collection attempts, you will receive an IRS Form 1099-C next year for the charged-off credit card balance, and your access to usaa.com will remain restricted until the balance is paid in full Should you have any additional questions, Mr [redacted] remains available to assist youThank 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
February 10, [redacted] Complaint ID #: [redacted] Dear Mr***: I am responding to your second submission regarding your automobile loan application We responded to your concerns on January 20, While we recognize that you disagree, we feel confident that the appropriate adjustments have been made to your accountHence, we respectfully decline your request for compensation as it is not warranted MrAdams, it is important to note that our core values of service, loyalty, honesty, and integrity are at the center of everything we doWe appreciate the opportunity to review your concerns again; however, we consider this matter closed 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 me if the bank follows through I will contact the person named by the bank if the problem continues Regards, [redacted]
April 23, [redacted] Complaint ID #: [redacted] Dear [redacted] : I am responding to your submission regarding your USAA Federal Savings Bank (FSB) checking accountAs [redacted] , of our staff, explained during your April 22, 2015, telephone call, the FSB returned the deposit as the issuing bank did not accept the check I regret any inconvenience this matter caused; however, we are unable to refund the wire fee you incurred as no error was made by the FSB [redacted] remains available should you have any additional questionsThank you for allowing us to reply to you Sincerely, [redacted]
May 12, Staff Sergeant [redacted] , USA Complaint ID #: [redacted] Dear Sergeant [redacted] I am responding to your submission regarding deposit account with USAA Federal Savings BankI regret any frustration you experienced as we strive to provide quality service to our entire membership Thank you for speaking with [redacted] , of our staff, who clarified the status of your accountIf you have additional questions, Ms [redacted] remains available to assist you We 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 me Regards, [redacted]
Complaint: [redacted] I am rejecting this response because:I would like the amount I've paid in on the debt protection to be applied to my loanIt was of fault of USAA that I never even got to use the service once I became unemployed Which forced me to become behind on my loan and that reflected negative on my credit report Regards, [redacted]
August 25, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding the issue you encountered ordering an official check that was made out incorrectly I regret the frustration you experienced as a result of this matter Thank you for speaking with [redacted] , of our staff I understand that she was able to obtain an exception regarding the day stop payment guideline for official checks On August 25, 2016, she issued a check reversal and re-ordered an official check with the correct spelling of the name The expedite fee and official check fee were waived as a courtesy As Ms [redacted] explained, the stop payment on the original check will be placed at the day mark If the check were to be cashed before this, you would be liable for the amount We appreciate you allowing us to reply to you Should you have any additional questions Ms [redacted] remains available to assist you Sincerely, [redacted]
May 15, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding the hold on the deposit into your USAA Federal Savings Bank (FSB) checking account [redacted] ***, of our staff, was unable to reach you by phone; nonetheless, he reviewed your account carefully According to the Remote Deposit Capture User Agreement that you received upon opening your account, “you agree that items transmitted using the Services are not subject to the funds availability requirements of Federal Reserve Board Regulation CCFSB 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.” Based on your account history, the FSB correctly applied the deposit hold However, a representative issued two non-sufficient funds fee refunds, as a courtesy If you have any additional questions or would like to discuss this matter, Mr [redacted] remains available to assist you We appreciate you allowing us to reply to you Sincerely, [redacted]
June 2, Mrs [redacted] Dear Mrs***: I am responding to your second submission regarding your deposit account with the USAA Federal Savings Bank (FSB)We responded to your first complaint on May 19, While we recognize that you disagree, we feel confident that the correct information has been relayed to youYour daily deposit limit for remote deposit capture services and the amount of deposited funds placed on hold are not relatedAs previously advised, hold details are displayed after a check is deposited, and the FSB’s Funds Availability policy can be found in the Depository Agreement and Disclosures (DAD)The FSB handles deposits in accordance with regulations and the DADOur records reflect that the FSB has made prior exceptions and released holds on your deposited funds, but we were unable to accommodate this request due to your account activity historyThe FSB accepts cash deposits at select ATMs, and the FSB has never offered the option to deposit cash via Easy Deposit at The UPS Store®Mrs***, our decisions and business processes are not made without careful considerationThank you for allowing us to review your concerns againWe do appreciate your feedback; however, we consider this matter closedSincerely, [redacted]
July 12, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding your various accounts with USAA Federal Savings Bank 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]
August 30, Ms [redacted] Complaint ID #: [redacted] Dear Ms [redacted] : I am responding to your submission regarding your USAA Federal Savings Bank (FSB) auto loan [redacted] , of our staff, was unsuccessful in her attempts to contact youNonetheless, a thorough review of your account was conducted and our records show that on August 12, and August 16, 2016, you contacted USAA to make a payment using a third parties card This payment could not be processed as the third party was not present to authorize the transaction I understand that on August 23, 2016, a payment did post to satisfy the July 15, and July 30, due datesOur research shows that on March 13, 2016, your vehicle was repossessed due to delinquency The $storage fee is part of the repossession fees and will remain on your account as it was agreed on at the time that you arranged to redeem your vehicle If you have any additional questions, Ms [redacted] remains available to assist you We appreciate you allowing us to reply to you Sincerely, [redacted]
February 27, [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding your auto loan with USAA Federal Savings Bank (FSB) We conducted a thorough review of your account and hope the following information addresses our concerns Our research indicates that the automatic payments on your loan were established from the information included on your loan applicationWhen the loan became delinquent, we notified you in writing of the status on several occasionsTherefore, in accordance with the Fair Credit Reporting Act, the FSB is unable to remove any adverse information reported to the consumer reporting agenciesIt is important to note that we also provided the appropriate form to update your account informationHowever, the form was never returned, but on June 20, 2016, you updated the information for the automatic payments In keeping with the company’s core values and our commitment to the membership as a whole, the FSB has adopted a policy that affects members who do not meet certain obligations with usIn addition, to the extent allowed by law, our business policy allows USAA and our affiliates to stop doing business with a member where there has been abusive behavior by the memberWhen this basic principle is compromised, we transact with members by mail Thank you for allowing us to reply to you Sincerely, [redacted]
March 8, Mr [redacted] Complaint ID #: [redacted] Dear Mr***: I am responding to your second submission regarding the billing for your credit card We responded to your complaint on February 26, Our records reflect that on December 19, 2017, you processed a payment for the posted credit card transactionsAt that time, there were pending transactions totaling $that had not yet posted to the accountDuring overnight processing, the monthly account statement closed with a New Balance of $as the pending transactions had posted, and a copy of the monthly statement was sent to youThe statement noted, “We will not charge you any further interest on your Purchase Balance on this Statement if you pay your entire New Balance by your Payment Due Date of 01/13/18.” A payment was not received by the due date, and $in interest on purchases was assessed As a courtesy, we refunded the $interest charge on March 2, Additionally, [redacted] , of our staff, attempted to reach you, and she remains available if you would like to further discuss your concerns We appreciate you speaking with [redacted] ***, of our staff, about your email experience, and we hope you found the conversation informative Thank you for giving us another opportunity to respond Sincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC
April 11, Staff Sergeant [redacted] Complaint ID #: [redacted] Dear Sergeant ***: I am responding to your submission regarding your checking account with USAA Federal Savings BankI am sorry to hear about the frustration you experienced as we strive to provide quality service to our entire membership [redacted] ***, of our staff, completed a thorough review of your account and determined that the activity in question was not fraudulentIf you have additional questions, Ms [redacted] remains available to assist you via message on usaa.com Thank you for your service and for allowing us to reply to you Sincerely, [redacted]
Complaint: [redacted] I am rejecting this response because:still dont get that usaa made an error of $twice an I still have to pay it backThey didnt give me theb $ but want me to pay it back Regards, [redacted]
Complaint: [redacted] I am rejecting this response because: I called earlier and no response was given to me just recieved a call from usaa and they are going to follow up with me tommorow morningStill no resolutiom communicated to me Regards, [redacted] ***
July 27, Ms [redacted] Complaint ID #: [redacted] Dear Ms [redacted] : I am responding to your submission regarding your deposit accounts with USAA Federal Savings Bank (the FSB)I regret any frustration or inconvenience you experienced as a result of this matter Our records confirm that all the nonsufficient funds fees were accurately assessed to your accountAccording to the FSB’s Depository Agreement and Disclosures (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 Nonsufficient Funds (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.” 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 the nine 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]
March 20, Ms [redacted] Complaint ID #: [redacted] Dear Ms [redacted] : I am responding to your submission regarding the home equity line of credit you hold with Gunnery Sergeant [redacted] Our records show a payment was scheduled on January 15, 2017, for January 27, The payment posted as scheduled to satisfy the January 2, 2017, due date The account became delinquent, and we sent late payment notices to the address on file, which is the same address on your submission On April 14, 2017, two payments were scheduled and subsequently posted to satisfy the February and March due dates We spoke with you on April 19, 2017, and confirmed payments were received in January and April 2017, no payments were routed incorrectly, and there were no errors on the part of USAA On January 2, 2018, the account became delinquent We mailed letters and attempted to reach you by telephone A payment was processed on February 8, 2018, to satisfy the January due date We received credit bureau disputes related to the aforementioned activity and responded that we were reporting accurate information We regret that [redacted] , of our staff, was unable to reach you to discuss this matter Mr [redacted] reviewed the payment history and confirmed the account is being accurately reported to the consumer reporting agencies and no late fees were assessed If you have additional questions, Mr [redacted] remains available to assist you We appreciate you allowing us to reply to you Sincerely, [redacted] ***
November 25, [redacted] Complaint ID #: [redacted] Dear [redacted] ***:I am responding to your submission regarding your credit card account I regret any frustration you experienced as a result of this matter.Thank you for taking the time to speak with [redacted] , of our USAA Federal Savings Bank staff, about your concerns As you requested, we recalled the credit card account from the collection agency to cease collection attempts, you will receive an IRS Form 1099-C next year for the charged-off credit card balance, and your access to usaa.com will remain restricted until the balance is paid in full Should you have any additional questions, Mr [redacted] remains available to assist youThank 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
February 10, [redacted] Complaint ID #: [redacted] Dear Mr***: I am responding to your second submission regarding your automobile loan application We responded to your concerns on January 20, While we recognize that you disagree, we feel confident that the appropriate adjustments have been made to your accountHence, we respectfully decline your request for compensation as it is not warranted MrAdams, it is important to note that our core values of service, loyalty, honesty, and integrity are at the center of everything we doWe appreciate the opportunity to review your concerns again; however, we consider this matter closed 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 me if the bank follows through I will contact the person named by the bank if the problem continues Regards, [redacted]
April 23, [redacted] Complaint ID #: [redacted] Dear [redacted] : I am responding to your submission regarding your USAA Federal Savings Bank (FSB) checking accountAs [redacted] , of our staff, explained during your April 22, 2015, telephone call, the FSB returned the deposit as the issuing bank did not accept the check I regret any inconvenience this matter caused; however, we are unable to refund the wire fee you incurred as no error was made by the FSB [redacted] remains available should you have any additional questionsThank you for allowing us to reply to you Sincerely, [redacted]
May 12, Staff Sergeant [redacted] , USA Complaint ID #: [redacted] Dear Sergeant [redacted] I am responding to your submission regarding deposit account with USAA Federal Savings BankI regret any frustration you experienced as we strive to provide quality service to our entire membership Thank you for speaking with [redacted] , of our staff, who clarified the status of your accountIf you have additional questions, Ms [redacted] remains available to assist you We 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 me Regards, [redacted]
Complaint: [redacted] I am rejecting this response because:I would like the amount I've paid in on the debt protection to be applied to my loanIt was of fault of USAA that I never even got to use the service once I became unemployed Which forced me to become behind on my loan and that reflected negative on my credit report Regards, [redacted]
August 25, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding the issue you encountered ordering an official check that was made out incorrectly I regret the frustration you experienced as a result of this matter Thank you for speaking with [redacted] , of our staff I understand that she was able to obtain an exception regarding the day stop payment guideline for official checks On August 25, 2016, she issued a check reversal and re-ordered an official check with the correct spelling of the name The expedite fee and official check fee were waived as a courtesy As Ms [redacted] explained, the stop payment on the original check will be placed at the day mark If the check were to be cashed before this, you would be liable for the amount We appreciate you allowing us to reply to you Should you have any additional questions Ms [redacted] remains available to assist you Sincerely, [redacted]
May 15, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding the hold on the deposit into your USAA Federal Savings Bank (FSB) checking account [redacted] ***, of our staff, was unable to reach you by phone; nonetheless, he reviewed your account carefully According to the Remote Deposit Capture User Agreement that you received upon opening your account, “you agree that items transmitted using the Services are not subject to the funds availability requirements of Federal Reserve Board Regulation CCFSB 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.” Based on your account history, the FSB correctly applied the deposit hold However, a representative issued two non-sufficient funds fee refunds, as a courtesy If you have any additional questions or would like to discuss this matter, 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: Regards, [redacted] ***
June 2, Mrs [redacted] Dear Mrs***: I am responding to your second submission regarding your deposit account with the USAA Federal Savings Bank (FSB)We responded to your first complaint on May 19, While we recognize that you disagree, we feel confident that the correct information has been relayed to youYour daily deposit limit for remote deposit capture services and the amount of deposited funds placed on hold are not relatedAs previously advised, hold details are displayed after a check is deposited, and the FSB’s Funds Availability policy can be found in the Depository Agreement and Disclosures (DAD)The FSB handles deposits in accordance with regulations and the DADOur records reflect that the FSB has made prior exceptions and released holds on your deposited funds, but we were unable to accommodate this request due to your account activity historyThe FSB accepts cash deposits at select ATMs, and the FSB has never offered the option to deposit cash via Easy Deposit at The UPS Store®Mrs***, our decisions and business processes are not made without careful considerationThank you for allowing us to review your concerns againWe do appreciate your feedback; however, we consider this matter closedSincerely, [redacted]