Shideler Electric, Heating & Cooling

In January 2016, I purchased tickets using my USAA credit card from *** *** for my husband, myself and my daughter to go to Las Vegas in November I received the tickets for my daughter and I electronically I never received my husbands ticket I called repeatedly and was given different excuses about the ticket In October 2016, I had to purchase a second ticket from my husband using my *** Federal credit card for the same trip Spirit charged both my credit cards but only sent me one ticket I have gone round and round with USAA and their claims resolution process and have not been able to get this resolved I provided them copies of both the USAA and *** bank statements showing the charges for my husbands ticket for the same trip on the same dates Every time I call USAA I am passed between Dispute Resolutions, Executive Resolutions and whom ever answers the phone that day I have spoken to everyone at USAA except the CEO Stuart Parker about this issue

In April of this year I contacted a company by the name of Credit Medics who I bought a service from for $I signed an agreement with them and never received the serviceI contacted USAA about the issue and disputed it On August 8th I received a letter about them reversing the credit without me receiving a refund or any informationI sent in several documents including the agreement and the contact I have had with them The company has refused to return any calls or emails

ive been acustomer with usaa 3yrs I had surgeries which I have had some finances difficulity I recieve a letter from them not renewing my creditcard I still have to pay my payment but cannot use my card I have other cards that iam able to use I dont understand there practies

I was offered a 0% promotion rate on convenience checks and balance transfers that posted to my account within a specific time frameI understand purchases were not a part of this promotion
However, on April 8, I made a $purchase at a car dealership because I did not have a convenience check on me and did not have my debit cardOn April 10th I made a $payment to cover the purchase balance and maintain a 0% APR on the rest of the balanceI did not have a minimum payment due at the time
Per the Universal Terms and Conditions, payments are applied as follows:
How we apply PaymentsWe may apply Minimum Payments and other credits other than payments in any order we deem
appropriateAmounts paid in excess of a Minimum Payment are applied to the balance with the highest APR
Unfortunately my payment was not applied towards the purchase balance, but was applied towards the promo balance instead
After speaking with several reps, I finally spoke wit

separate occasions I applied for a credit card and received a letter stating "Can Not Identify" I was neither approved or denied because they could not identify me

I made a payment to my credit account for about $USD on July 31st The payment was taken from my checking and immediately reflected in my credit card balance on my account The next day I noticed the money was still taken from my account but that it was no longer applied to my credit payment I spoke to a rep (*** ***) for an hour and she let me know USAA is experiencing glitches in their payment system and it would be resolved by the next morning, she also confirmed the payment had not been applied and I was owed this money I call again the following day and spoke to a service rep *** who was hostile and told me I was not owed any money, she hung up on me I eventually spoke to the executive resolution team after getting "disconnected" times They let me know there is a glitch, and that getting my credit for the amount will take 2-business days, meanwhile my balance is due in days The bank took my money from my account and didn't apply it to my credit

USAA has repeatedly sent my credit card information to a business, ABCMOUSE.com (that I have never done business with)This business continues to charge my card on a monthly basisI have notified USAA of this fraudulent activity several times, yet they refuse to stop sending my information to ABCMOUSE.comSeveral replacement credit cards have been issued since the beginning of However USAA provides this new credit card number to the fraudulent business each time

Received an email from USAA regarding a solicitation for my USAA VISA credit card A link included with the email stated "If you have a USAA credit card, we'll remove the interest on any purchase or cash advances this week." I called USAA to confirm the offer and was eventually informed that the interest free offer includes purchases and cash advances and the interest free period was for months I immediately took advantage of the USAA VISA credit card offer However, on the next billing cycle I was charged interest I telephoned USAA and eventually spoke with Lori, employee #*** I expressed objection to the interest charges and Lori indicated that she would not honor the advertised interest offer for cash advances She was curt and obstinate I do have screen shots of the above described email and attached link These screen shots were previously sent to USAA

I’m early April I made payments to my USAA credit card in anticipation of an upcoming vacation to secure the cost of a rental carThe payments were made well in advance to allow time to post and update my available creditAfter several days passed and my available credit wasn’t updating, I contacted Customer ServiceI was told that the system automatically placed a hold on my payments (despite the fact they cleared my checking account) and here wasn’t anything they could doThe only thing they said I could do was apply for a credit line increase which given the need, I begrudgingly didI have a fraud alert on my credit report so they told me that they weren’t able to process the credit line increase via chat and that I’d have to call in to finish the processing of my credit line increaseLong story short, the information that the agent told me about their inability to unfreeze the hold that the system automatically put on my payment was incorrectI’ve escalated to their e

on October and November of my credit card ending *** was paid off and charges came backon December and total was 20,
I didn't do it my credit card was in my wallet the whole time there payment made to this account but they didn't go though
I have been a member of usaa for yrs the customer service is horrible lately transfer like a yoyo each time that I call today I had called a rep acuse me
of the balance on the card

I have had a USAA credit card since the year On March 1, I received a letter stating that my account was recently reviewed and they were sorry to inform me that my credit card account is closed to further transactions and will not be renewed when the card expiresIt stated “this decision was based on your credit score and account history.“ Less then two weeks later I received a credit card application in the mail from USAAI called customer service to ask that my current card remain open and that they do not close my accountI was told it would not be renewed on the expiration date and that there was nothing anybody could do to keep it openI asked that I stop receiving ads in the mail for a credit card from their company and the ads continued to comeSo, out of curiosity, I applied for another USAA credit card and was approved for a card with $MORE credit than was on my first card! I am livid that they closed my account that I had for years just to open another

I had tried to dispute Affiliate credit card accountsAccount Number* *** and *** that should of never been approved in the first placeI was never in the US Military and a member of USAA nor was my familyCredit cards are only for qualify members who served the US Military and family members USAA had misused my Equifax credit fileEvery time I had dispute the accounts USAA had said the accounts had been reported correctlyIf USAA can proof the accounts been reported correctly with all credit files then they need to show the proof to meand show proof of US Military USAA had refuse to send me copies of the personal credit applications that was done in my nameI only communicate by email and not by phone

There was an offer on my mobile app of USAA that was going to be joint credit card with American Express, I accepted offer and then a few hours later an email from USAA came saying that my application was declined, but no explanation...a week alter I got a letter that my application was declined because of-maximum credit limit reached, I called to USAA and asked questions to different representatives (they transferred me times) nobody was able to answer my question and the last person who was suppose to answer instead she offered me credit monitoring servicesIt is useless to spend time to even call to this company

I have contacted USAA multiple times concerning a credit card collection trying to get a current statement or letter with my new balance after making a paymentEveryone including the CEOs secretary has told me this is not doable at all and they can only give me a letter saying what my payment was after dealing with them for a week saying my payment was lost, until I sent them proof from my bank accountI also have asked when it would be posted to the credit bureau to which no one can answer eitherI am in the process of a home loan and this hit my credit on my lenders last pull to verify everything was still in orderI am now in the process of basically losing this loan because of no one willing to give me a receipt of my current balance with proof of paymentAfter dealing with them for close to weeks I have been lied to, disrespected, with an essential an I don't care, me and my lender were hung up on without any answers

years ago I opened a credit card account with usaa credit card servicesI used the card as needed and paid on time EverytimeA few months into haveing services with them I looked into auto insurance with themThey ran everything and asked why I had not had insurance fornyears ...I told them I was incarcerated and they advised me they cannot take on a felon on their insuranceHowever after this call , because I am a felon they now have locked me out of my online account to view manage or pay the credit cardUpon calling they told me they refuse to do business with a felon.however I still have a credit card with them and still want me to make payments ....but I can't view any transaction made or I can't pay or access anything via online.and wasntoldni am resticted from doing so...I have called numerous times to fix this and been on phone for hours with multiple departments and people only to keep getting transfered and not have anything doneIt makes no sense whatsoever for m

USAA Credit CardBalance has a promotional Rate of 0%However in August a vendor charged the card $The charge was in error, contacted the vendor, they reversed the charge within hoursHowever USAA began charging interest Contacted by chat explaining the situationHowever Thomas R was not able to understand my question or concernExplained additional timesStill Thomas wasn't successful in understanding the issue Requested the interest charge be removed, he advised the charge was valid and would not be removedAttempted a 4th time in explaining the issue and still no luckRequested a supervisorWaited several minutes and Thomas advised they are in a Meeting I advised I could waitHe explained waiting was not possible, that he had helped me as much as possible Was told I can try another agent later After refusing to close the chat he advised meeting was over and Erica L Joined the chatShe advised me USAA would no remove the charge even if the billing wa

I overpaid my credit card leaving me with a positive balanceI called to reaffirm that I could receive a check in the mail for this positive balanceI received my check in the mail for over dollarsHowever unknowingly the employee had charged me with a fraudulent balance transfer to a debit card that I did not authorize for the same amount as the refund as well as a balance transfer feeI called immediately as this money had been stolen from my credit card and reported the fraudulent transfer however nothing was doneThis was over weeks agoI called three times the first weekEvery day last week as well as todayIn all these phone called I was called a liar and and even accused of doing the transfer to get money, as well as the fact they don’t trust the people who answer their phones like somehow I should have known to speak to a manager for a “complicated” thing like inquiring about a check for an overpaid balanceAlso, this transfer was to a debit card, which is not po

Two issues I had reported an unauthorized charge on my credit cardUSAA required me to respond to a message They then sent a credit card to my home by FedEx without my authorization while I am traveling I got them to cancel the card but they will not send me a replacement by reglar mail because they have screwed up my account I do not understand why the customer should have to suffer for an employee's mistakeWhile on the line I tried to get information on their Rewards program because it is not available on their app I wanted to view what is available and how many points are needed Representative *** would not mail or provide me the information because she did not agree with the security the prior rep had verified This request should not have required verification as no security was involved I would like a replacement card sent and to be mailed information on options for redeeming the rewards program

I have reviewed my credit file and noticed several inaccuracies, I filed a dispute requesting debt validation verifying the accuracy of credit fileNo debt validation has been provided but my credit file is knowingly be updated as verifiedWithout debt vslidation, the balance remaining cannot be collectedThis is a clear violation of my consumer rights under FDCPA and the FCRA I have maintained all records and am willing to take legal action if necessary

From previous complaint filed 5/19/16:
On April 16, I received a text from USAA asking whether I made a $700+ credit card purchase to Pep BoysI texted back "N" and then called them and reviewed all charges and to report my CC fraudulentUSAA sent me a new cc but the $700+ amount from Pep Boys was transferred over to my new cardI have called USAA a total of times (total of minutes / 7+ hours) since to try to get this amount removedApparently, the customer service agents can't make any correction to my purchasesInstead, I have been told numerous times that a report has been made to the Advisors (back end department) and that someone will get back with me in 24-hours(I can’t tell you how many times I have heard that someone will get back with me in 24-hours) I have spoken to numerous customer service agents and supervisors who say they don't have these "advisors" direct lines therefore can only email a requestI am routinely transferred between the Fraud, CC (cre