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Robert WCarpenter, Esq

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Reviews Robert WCarpenter, Esq

Robert WCarpenter, Esq Reviews (274)

March 17, Master Sergeant [redacted] , USA (Ret.) Complaint ID #: [redacted] Dear Sergeant [redacted] : I am responding to your submission regarding the $that was inadvertently withdrawn from your checking account on February 13, I apologize for the frustration and inconvenience this caused [redacted] , of our bank staff, has been unsuccessful in his attempts to speak with youHowever, he conducted a thorough review of your account and confirmed that the funds were credited to your checking account on February 27, Should you have additional questions regarding this matter, Mr [redacted] z remains available to assist youThank you for allowing us to reply to you Sincerely, [redacted]

July 7, Mr [redacted] Complaint ID #: [redacted] Dear Mr***: I am responding to your submission regarding your auto loan with the USAA Federal Savings Bank and I regret any frustration this matter may have caused Thank you for speaking with [redacted] [redacted] , of our staff, who discussed your concerns As Ms [redacted] explained, your loan has been recalled from the collection agency to ensure that you can make payments directly to USAA Also, we appreciate your feedback regarding the Right to Cure letter you received The information has been forwarded to the appropriate area for review If you have additional questions, Ms [redacted] remains available to assist you We appreciate you allowing us to reply Sincerely, [redacted]

June 25, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding the credits related to fraudulent activity with your USAA checking account, and I apologize for the frustration and inconvenience this matter has caused youOur employees strive to provide quality service, and coaching has been provided to those involved to prevent a recurrenceOur records reflect that in April 2015, an investigation was initiated following the report of three fraudulent transactions totaling $Of those, two charges of $from PAYPAL [redacted] were disputed and the third charge was found to be validOn May 30, 2015, the supporting documentation we received from the merchant was provided to you on usaa.comCyndi Padron, of our staff, thoroughly reviewed your account and confirmed that after you were advised of the permanent credits; one credit was inadvertently reversedMs [redacted] reissued the $credit on June 19, She was unsuccessful in reaching you by telephone to discuss your situation; however, Ms [redacted] remains available to assist you and can be reached at [redacted] Thank you for allowing us to reply to youSincerely, [redacted] ***

October 6, [redacted] Dear Sergeant [redacted] : I am responding to your submission regarding your joint checking account and USAA credit card with the USAA Federal Savings BankThank you for speaking with [redacted] ***, of our staff, who confirmed that your checking account transactions were handled appropriately and that the system upgrades implemented to usaa.com did not impact the return of your mortgage paymentTherefore, we are unable to honor your request to refund NSF feesAlthough we have no record that you previously requested to cancel the Debt Protection Program on your credit card account, as Ms [redacted] advised you, we have canceled coverage and refunded you for the monthly premiums you were charged from January to September 2015, as a courtesyIf you have any further questions, Ms [redacted] remains available to assist youWe appreciate you allowing us to reply to youSincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDICOther bank products are issued and serviced by USAA Federal Savings Bank

March 28, Technical Sergeant [redacted] , USAF (Ret.) Complaint ID #: [redacted] Dear Sergeant [redacted] I am responding to your submission regarding your checking account with the USAA Federal Savings Bank (FSB) Thank you for speaking with [redacted] , of our staff, who completed a thorough review of your account and addressed your concernsWe confirmed that the business the check was addressed to attempted to debit your account three times, and as there were not enough funds available, three nonsufficient funds fees were charged respectivelyFSB deposit accounts are governed by the Depository Agreement and Disclosures (DAD), which is provided to all account holders and is available on usaa.comThe DAD states, “When you do not have enough funds in your account for FSB to process a collection item drawn on your account, FSB may charge you an overdraft or nonsufficient funds (NSF) fee.” If 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: USAA caused this issue and they need to compensate me for it!!! Regards, [redacted]

Complaint: [redacted] I am rejecting this response because:so it's possible to physically swipe my card from 300+ miles away? And when someone calls and says "I did not do this! Don't let any more charges go through" really wanted charges to go through? it seems like anyone with half a brain could answer "no" to both of those You failed any kind of due diligence, you failed to protect your customer, you failed to honor a veteran, and you failed to live up to the standards you swear you have You say that I can talk to this person, yet I called times and no one would give me a numberI was hung up onI was transferred to every corner of every department, but always told that I couldn't have a number So yet again, you're lyingyou deserve to be sued Regards, [redacted]

Ms [redacted] Complaint ID #: [redacted] Dear Ms***: I am responding to your submission regarding the account established under your name with the USAA Federal Savings Bank Our records confirm that you also filed an inquiry with the Consumer Financial Protection Bureau (CFPB) We will respond to you in detail via the CFPB portal Thank you for the opportunity to reply Sincerely, [redacted]

August 27, Mr*** [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding your deposit account with the USAA Federal Savings BankOur records confirm that you filed an inquiry with the Consumer Financial Protection Bureau (CFPB)We will respond to the CFPB accordinglyThank you for the opportunity to replySincerely, [redacted]

October 9, [redacted] Dear Mr [redacted] : I am responding to your submission regarding a deposit holdOur employees are expected to be helpful and responsive to our members’ concerns, and I regret that this was not your experienceCoaching was provided for those involved based on your feedbackI understand your funds were made available on September 24, 2015, and that an overdraft fee was credited to your account as a courtesyWe thoroughly reviewed your account and determined that the hold was placed appropriatelyThe 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 relevantWe were unable to reach you by telephone to discuss your concernsIf you have any further questions, [redacted] ***, of our staff, is available to assist you and can be reached at [redacted] Thank you for allowing us to reply to youSincerely, [redacted]

November 9, 2015Mr [redacted] * [redacted] Complaint ID #: [redacted] Dear Mr [redacted] :I am responding to your submission regarding the release of the title for your automobile loan with the USAA Federal Savings Bank (FSB) Thank you for speaking with [redacted] of our staff Our records indicate that on October 27, 2015, you spoke with the FSB and explained that you mistakenly told the dealership you had the title to the vehicle when you traded it in The FSB offered to call the dealer to advise when the title would be released, but you declined and asked to receive the title sooner The copies of the documents you provided to us as proof of the cleared check were not sufficient for us to consider releasing the title prior to the scheduled date Our records indicate that that the electronic title was released on November 5, 2015, and that Ms [redacted] informed you of this information by email In addition, we respectfully decline your request for compensation Should you have any further questions, Ms [redacted] remains available to assist you Thank you for allowing us to reply to you Sincerely, [redacted]

September 29, [redacted] Dear Ms***: I am responding to your submission regarding your debit card disputeOur employees are expected to be helpful and to provide accurate information, and I regret any confusion you experiencedUnfortunately, [redacted] ***, of our staff, was unable to follow up with you to discuss her findings and to advise you that a provisional credit of $was applied to your account on September 21, Please note that we will continue disputing the charge with the merchant; however, if the merchant responds, you will be required to provide supporting documentationShould you have further questions or concerns, Ms [redacted] remains available to assist you and can be reached at [redacted] Thank you for allowing us to reply to youSincerely, [redacted]

October 26, Mr [redacted] * [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding your checking account with the USAA Federal Savings Bank (FSB)As stated in the Depository Agreement and Disclosures (DAD), “When you do not have enough funds in your account for FSB to process a collection item drawn on your account, FSB may charge you an overdraft or nonsufficient funds (NSF) fee.” Our records confirm that on October 13, 2015, seven automated clearing house (ACH) items and two checks attempted to post to your accountSince there were not enough funds in the account, the items were returned for nonsufficient funds (NSF), and your account was assessed nine NSF fees the following business dayOn October 14, 2015, you completed a funds transfer and two direct deposits also posted to the checking account; however, the items had been returned the previous dayI understand [redacted] ***, of our staff, was unsuccessful in her attempts to contact you to discuss your account activityShe confirmed that your account was properly charged for the returned items in accordance with the DAD and that three of the fees were refunded to you as a courtesyWe respectfully decline your request to refund the additional NSF fees and reject your allegations of wrongdoingShould you have any additional questions, Ms [redacted] remains available to assist youThank you for allowing us to reply to youSincerely, [redacted]

November 17, 2015MrBrian [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding your Deposit@Mobile® deposit on October 23, We strive to provide quality service to our entire membership While we regret any frustration or inconvenience this matter caused you, it is important to know that USAA Federal Savings Bank acts in accordance of our core values of service, loyalty, honesty, and integrity, and we reject you allegations of impropriety Thank you for briefly speaking with [redacted] , of our staff, who thoroughly reviewed your situation As a result, a $credit posted to your checking account ending in on November 4, Should you have any questions, 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: USAA still to this date will not respond with the underwriter /and or/ banker that reviewed my loan requestAgain, when I applied , there was no area on the application to include my retirement income, I had to call in to add, at that time a second credit pull was done and within min I was declinedUSAA did not review my extra income or anything to pertain in that short of timeCertainly the (person) (s) would have taken the time and looked at the extra income , before making a quick decision in less than minuteI have been requesting to speak with who-ever looked at my application to explain Perhaps I could have borrowed less, or least discuss with me other optionsNothing but a 1-caller telling me my fate HORRIBLE customer service I am still requesting the second credit pull removed, a under writer or some-one in the banking department that actually reviewed my application to call me and discuss my optionsUSAA does offer a debtconsolidation loan its still on there website I don't want any one calling back that does not know my situationI asked for the CEO [redacted] to explain to him my situation and direct me to the underwriting teamI was told he would never call me back or I could not ever speak with himWow--- you have to be a member with USAA and to get treated by the 1-people that answer is just sickUSAA NEEDS TO MAKE THIS RIGHT WITH MY SIMPLE REQUESTS Regards, [redacted]

September 30, Mr [redacted] Complaint ID #: [redacted] Dear Mr***: I am responding to your submission regarding your USAA Savings Bank credit card I regret any frustration this caused you Thank you for speaking with [redacted] ***, of our staff, who confirmed the credit for $6,was transferred to your new Visa Credit card If you have any additional questions Ms [redacted] remains available to assist you We appreciate you 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

January 5, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding your deposit account Thank you for speaking with [redacted] of our staff, who confirmed the check posted on December 26, 2017, and discussed remote deposit capture alternatives, including USAA Deposit@Home and Deposit@Mobile We regret any frustration this matter may have caused you, and your feedback was shared with the appropriate areas If you have additional questions, Ms [redacted] remains available to assist you We appreciate you allowing us to reply to you Sincerely, [redacted] ***

January 10, Mrs [redacted] Complaint ID #: [redacted] Dear Mrs [redacted] : I am responding to your second submission regarding your requests for payment assistance on your USAA Federal Savings Bank (FSB) consumer loanThank you for speaking with [redacted] , of our staff As our previous response advised, your applications for long-term and medium-term assistance were declined by the FSB, and you were notified by mail on both occasions The specific reason was noted as “unable to provide significant savings.” Mr [redacted] clarified that the FSB did not have a program that would allow you to pay off your loan within your remaining loan terms, based on the duration of assistance requested We appreciate another opportunity to reply to you Sincerely, [redacted]

March 23, Mr [redacted] Complaint ID #: [redacted] Dear Mr***, I am responding to your submission regarding the fees assessed to the checking account you hold with the USAA Federal Savings Bank (FSB)Thank you for speaking with [redacted] , of our staff, on March 15, 2016, about your concerns I understand that she explained to you how fees are assessed and how transactions are processed by the FSB; both in accordance with the Terms and Conditions outlined in the Depository Agreement and Disclosures (DAD) The DAD was provided to you at the inception of your account and is available for review at [redacted] I was pleased to learn we were able to accommodate your request for a refund of the fees assessed I hope that your conversation with Ms [redacted] reassured you that your satisfaction is important to us We appreciate you allowing us to reply to you Sincerely, [redacted] Senior Member Relations Advisor

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 it was not for the Revdex.com, this issue would not have been resolved favorably Thank you, Revdex.com! Regards, [redacted]

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