![]() When I filed BK7 my FICO scores were around 525. She said basically low credit score for more then one year. I called and they said it's cancelled and they said we don't have to tell you why. USAA uses an old FICO and it said it's 750 if they update it to a new model it be higher. My FICO is over 815 and almost no debit only two student loans about 3k total. I had a renter policy and no climes on it and they did not want to renew it this year saying credit went down. Once this is resolved I will have to think long and hard about if I want to continue to bank with USAA.Anyone had any bad issues with USAA lately? I have been a member since 2012 and the quality of service has gone down a lot at one point is was all about the member now it's all about money. On top of that USAA had a date breach earlier this year that exposed members information which is how we were targeted in the first place. This seems to be a rampant problem with articles all over the internet. I feel like a wire should require some form of written and signed consent form and have some type of hold before processing. It was processed within 20 minutes and with the hold time to get connected to an agent even if she had seen the first email the second it came through it would of been fully processed before we could of cancelled it. ![]() ![]() My biggest issue in all of this is how the wire went through almost instantly. In the meantime our bank account is basically empty and the little bit in it is frozen so it can’t be accessed. And we should have this resolved sometime next week. They ultimately have locked our account for the next 4 business days we have reset all login credentials including user ID and PIN number. They wanted pin code, and 6 digit authentication code. And again they asked for all the same information that the scammers did. So I called in and discussed it and that number changed to 3-5 business days. Now USAA yesterday was not very helpful they spoke with her and basically said you will hear something back within the next 10 business days. There has to be better ways to verify this. They said “only provide that if you call us not if you receive a call” that is not the answer. The frustrating part is that in order to verify her they ask for the exact same info her pin code and the pushed 6 digit code. They told her that they saw the fraudulent charge and that they would be blocking that charge and sending out a new debit card.They used that info to login to her account online and issue a wire transfer for just under $10,000.Ībout 45 minutes after that call she saw that a wire transfer has been processed and called back into USAA to figure out what happened. They asked for her PIN number and then pushed a 6 digit 2 factor authentication number to her to verify. They then started talking to her about the existing fraud claim and said they would need to verify some information. ![]() The person on the other end of the phone knew her first and last name. For whatever reason after she got connected to someone the call dropped and about 30 seconds later she received a call from the same number and the caller ID said USAA. ![]() I advised her to call USAA directly so she did using the legit customer service number. Yesterday my wife received a text message asking to verify a transaction. ![]()
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