Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
While traveling in XXXX I was targeted with new scam tactics or being charged duplicate transactions for the same item, and being lured to make misleading purchases. 
I submitted disputes to my bank to prevent payment being released to these vendors. From the time period between XXXX 2025. 
My banks requested a letter by mail or fax to explain disputed the overdraft charge. I submitted the letter and did not receive a response. I submitted request for investigation reports which I should have received XX/XX/XXXX. I am pasting letters Ive submitted to my bank. They have sent me one investigation report from XXXX which clearly shows the vendor conducted misleading practices by stating the booking was refundable and the moment I made the transaction they changed it to non refundable when I went to arrange transport to the hotel and found it was not located at the airport. This same XXXX is where my luggage was stolen and where I resided during my travels in XXXX, I was changed duplicate transactions and charged fees for travel with my cat who was later denied boarding even thought Id already paid boarding fees. 
The tactic is a organized chain of events to convince a consumer to pay for something misleading and then hold the funds when requesting a refund and force you create another transaction, so while there is one payment being held you have now paid twice and in some instances you never receive the service. 
I am also concerned of interference with communication with my bank as it often doesnt feel like I am communicating with my bank, sometimes when I call my bank to verify that it is them that called the say they do not have a record of anyone trying to reach out to me. 

Subject : Response to Account Overdraft Letter & Outstanding Disputes Dear XXXX XXXX, I have already submitted a detailed letter ( with proof attached ) regarding my account and the fraudulent business practices connected to it. As I stated, I am still awaiting resolution and official reports for the following disputes : XXXX - {$400.00} the reason my account is in negative status Also : XXXX {$200.00} XXXX {$160.00} XXXX {$150.00} DB {$340.00} Until these investigations are fully resolved, I do not acknowledge the validity of the overdraft balance you reference. Continuing to send collection-style letters without addressing the pending disputes is both misleading and inappropriate. 

I will not continue back-and-forth correspondence that ignores my original letter. Please provide me with : 1. Written confirmation of receipt of my dispute letter.

2. The status and timeline of the investigations listed above.

3. Clarification of how you are handling this matter under applicable consumer protection and debt collection laws. 

I have already filed a complaint with the XXXX XXXX XXXX  and will escalate further as necessary, including public disclosure if needed. 

I expect your written response no later than XX/XX/year> Sincerely, XXXX XXXX XXXX up letter after a call from USAA supposedly an employee Hi XXXX ext XXXX We spoke today and you assured me my account would not be closed while we are reviewing/waiting for the investigation documents. 
I received a notification that the account ending in XXXX was closed. 
Also you mentioned XXXX disputes to review and there are actually XXXX. 

The XXXX investigation report is the fifth in question, I received the report and it is proof of misleading business practices by XXXX and XXXX XXXX, and the funds should be retracted from the vendor and credited back to my account. 
After you carefully review the documentation I submitted and compare to the investigation report you will see USAAs error. 
Please reopen my account ending in XXXX, and credit the funds back to my account. 

With Kindness, XXXX XXXX XXXX to be corrected : XXXX XXXX XXXX {$400.00} Claimed to be an Airport Hotel, but its not located at airport, changed refund policy after making purchase Also : XXXX / XXXX XXXX for XXXX $ XXXX pet fee denied boarding after paying pet fee when looking for proof of flight purchase it was deleted from app but thankfully they attendants had my flight in their system XXXX {$150.00} Pet fee for a booking that was XXXX booking to XXXX already paid per fee to condor should have have paid twice also they staff argued about it and whether I should pay {$110.00} or {$150.00} but because I didnt want to miss my flight i obliged XXXX {$150.00} Baggage XXXX changed paid extra for baggage DB {$340.00} Had XXXX Pass shouldnt have paid this with a pass

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation