Shideler Electric, Heating & Cooling

Just refinanced my house and paid off a few credit cards in the processPaid USAA in full $11,and then after paying the bill in full they sent me another bill for $
no other credit card company sent another billWhen USAA was questioned about this they put me on hold for minutes and then came back and refused to waive the additional feeUSAA used to be a good company with excellent customer serviceThey are no better than any other bank and the customer service is horrible

I am writing to you today because I have been trying to obtain the 10% bonus rewards points for the switch to Visa credit cards
Since March 28, I have been asking when I will see the 10% bonus on my Visa cardIn June, I finally received a phone number to the Rewards team and have been calling sinceToday, I received another nonchalant apology with no answer or timeframeThere are over 200,accounts without the 10% bonus, and a technology team has been investigating for over business days
I understand things can go wrong, but I have been inquiring since MarchI asked for a work-around and I was told these points cannot be manually addedHow is there not a resolution by now?
Messages can be seen in my account and there are notes on all the phone calls I have madeIf you need additional information, please do not hesitate to contact meI hope to hear back from you
Thank you

Mr* *** of the United States Military as well a Military Vietnam Veteran, has a credit card with U S A A who at this time is in violation of the Federal Register Part II of the Federal Reserve System (12) C F R Part (226) Truth in Lending as well as G-(A) Consent Form for Over-the-Credit Limit Transactions, and the Code of Federal Regulations Title (12) Banks and Banking (226.56) , Requirements for -the-limit transaction ,Mr* *** has s credit limit of dollars, the limit was used, Mr* *** was hoping and knew this transaction was not going to go though under Federal and State law this transaction should of never went though, under the law unless you tell U S A A otherwise we will decline any transaction that cause you to go over your credit limit if you want us to authorize these transaction , you can request over-the -limit coverage, if you have over -the- limit
coverage and you go over your credit limit we will charge you a fee, even if you request over-the credit-lim

I've been a member of *** for about years, I have insurance, credit and checking through themLast year I found out I was deploying for months, so I talked to *** to get all my accounts squared away before I leftI told them my stuff would be in storage and I didn't want any documents sent to Afghanistan as our mail system can be pretty unreliableThey assured me that all correspondence would be electronic and even sent me cards with expiration dates that extended past my return dateI have had nothing but issues with them since I leftCards have been mailed to me at incorrect addresses, so now I have to watch my accounts like a hawk to make sure there are no unauthorized purchasesWhen I call, customer service is supremely unhelpfulI updated my address and they still sent my card to the wrong addressSo now I'm overseas without a card, having to stay up at night to wait until they open so that I can call and see what's going onI will be taking my business elsewhere wh

USAA continues to collect on a debt that was fraudulently openedInitial claim of fraud filed in early Sep A police report was included, my 95yo mother authorized me to speak in her behalf on the telephone to USAA and a DPOA submitted all as instructedAttempts to collect the debt continued to be receivedA second report was filedLocal Police Detective called USAA and explained the the person that committed the fraud had committed felony counts of fraud that directly affected USAAContinued to get noticesNow it is in collections at Mercantile Adjustment Bureau, LLCUSAA refuses to accept responsibility for the fraud and continues to harass my mother, who is unaware of the crime committed, but that I act as an advocate for

I bought two cameras on two occasions from atticI was told by the manager to mail the cameras back using the return label she provided which I didThe manager went in vacation and when I called back to check on the refund I was told they weren't going to refund one camera because they couldn't find proof of paymentI called usaa and had themv on the phone with the representative from the office of the President who confirmed paymentThe poison from the office of the President hung up the phone and refused to refund either cameraUsaa did not process that initial dispute and lost all record of the dispute unbeknownst to me at the timeI called art and spoke to a different manager who refunded part of the cost for one camera and said that's all their refundingI called usaa back and again filed another disputeUsaa only opened a file for one dispute for one cameraI was told they couldn't do anything about art not refunding the full amount for both cameras and they could not ta

My secured USAA credit card was billed an annual feeI called to ask it be waived like it had been done every year since having the cardThe secured deposit for the card that is deposited into a USAA CD that does not generate enough interest even cover the annual card fee, exclusively due to super low interest rates paid by USAAThe initial customer service rep declined to waive the feeI then asked to speak to a manager, *** ID ***, who also denied my requestI am the working poorThe $fee is costly to meCoupled with the fact that I have a good sum of money tied up arbitrarily in a super low interest bearing account, I felt I should close that secured credit card account and move my deposit money out of USAA makes the best sense for me in some waysI am taking a hit on my credit report for closing an established account but I felt neglected by USAA and couldn't afford the extra bill since the annual fee wouldn't be waivedAfter doing all this, *** then informs me I

I do not have a credit card with USAA and would like this taken off of my credit immediately !!!! I have never authorized a credit card with this company and it's on my credit affecting my score!

I had a credit card with usaa the remaining balance was I went to my local bank and got a credit card thru them to pay off this billmy bank called usaa for me to pay the billusaa gave them a total payoff of which was paid to usaausaa caught this as being over paid and sent me a check for about a week later we get another bill saying now I owe them in intrest even though ive paid the bill off even my local bank called and got the payoff amountnow a week later they want interest saying its from a special interest rate from years agothey charged me extra for a bill I already paid off and this isnt right or acceptableafter calling to pay the bill so it wouldnt go on my credit report which they threatened me with they wanted even more than the original scam to get extra money for somthing I do not owe

On May 12, 2016, our credit card was charged twice for the same $from to the *** *** *** My husband saw the duplicate charge and contacted the *** to resolve the issue The representative apologized and said they would issue a refund and e-mailed my husband a refund receipt After two weeks, we had not received a refund to our card, my husband attempted to reach out to the *** again, but did not receive a response He contacted our credit card company to inquire about disputing the charge He was told he had to wait until June to file the dispute because the *** had until then to make the refund
June came with no refund to our card, so my husband opened a claim dispute on our account He submitted the dispute of the duplicate charge and attached the refund receipt from the *** as well as the e-mail he had received with the receipt All of this was done electronically On July 5, we received a letter in the mail saying that we needed

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

On March 25, my husband, year old daughter and I were weather delayed home from our vacationdays and $we returned homeA friend encouraged us to reach out to USAA to see if they had any policies on trip delays/interruptions in order to help recoup some of the costs we encountered being delayedMy husband called on March 28th to inquire and spoke to a customer service representative at the USAA Visa Benefits departmentWe were directed to Visa directly to file a claim and were told in fact that we were eligible for a partial refund of $weeks later on April 18, 2017, after filling our claim with Visa we found out that we were in fact NOT directed to the correct placeThe claim department only handed trip cancellation and interruption due to death or illnessWe were told to contact USAA again and request for the travel delay department for a claim
I personally called USAA on April and spoke to a representative who transferred me back to the USAA V

I received an advertisement from USAA for % APR interest on balance transfers for convenience checks posted to my account between September 1, and October 15, I called USAA to verify that this was true and they affirmed that it was, so I had them mail me a convenience check I used the check between the above dates and paid USAA $for the convenience When I received my bill, USAA started charging me interest on this credit card account, and refused to stop charging me interest Therefore, I paid the credit card down to zero so that I wouldn't have to pay interest This came at great sacrifice to me

After a year of being unable to log on to the online services, and numerous calls to resolve it over a period of about months (it would be fixed for us to log in on while on the phone with the CSR and as soon as we hung up, got locked immediately again) and having to call in payments that often took multiple days, multiple calls and transfers (a good month took an hour to pay the bill) they would not talk to my wife and take a payment from her, it got behind and the card cancelled
Fine
I have PTSD and the anxiety and increasing trouble to pay the bill made it harder and harder to pay
It was inconvenient, unable to be resolved, and in the end got to the point that I could not face the endless transfers, the hang ups and the hours on the phone without affecting my mental health
Lack of response, service and even ability to pay made doing so impossible Customer service is non existent, and it's a joke you guys are for the military

On May 2016, I called and spoke with a representative about a cancellation of my credit card that I did not need or useDuring the so-called recorded conversation, representative used deceptive, unethical, and scare tactic to influence my decision based on a lieThis is by far the worst thing I ever heard from all my years with USAA and very unprofessionalWhat is this Payday lender business now? So please explain to me how my personal decision on the account which is paid in full, can be questioned to such extent, and treated so unethically? If a person asked you for a loan they could not afford you would tell them NO! So why am I being questioned on my own personal decision; which USAA is telling me lies about some BS security or credit score crapUnethical business practice and deception need to stop violating and influencing customer?decisions based on lies

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

On May 7, 2016, we received call from USAA asking if we had purchased something from Bloomingdales in San Francisco for $ We told them no and they erased the bill saying it was "fraud" Next month we noticed the account was still on our website and requested it be removed It was NOT removed, and charge was put back on our account We have made 7-phone calls to USAA, each time the call has been dropped afterr waiting 10-40min for response, and during phone call, they hung up! We also went to local USAA building twice, using camera and talking directly to service person Each time we were told they were dealing with it but would take 2-days, sometimes a week, and this last time we spoke to a *supervisor" who told us it would need to go through the system and would be cleared by August Today it is just the same, and now they are saying our payment is overdue!!

I received an email from USAA in November 2017, It said if I signed up for a credit card I would receive 0% interest until May and receive $worth of points if I completed qualifying purchases by January 31, I was approved and the first thing was they were charging me interest I phoned, sent them the email of the offer and they fixed the interest issue and said there would be no others In January I phoned asking about points and they said it would take days So I phoned in March or April and they said in May I should see my points I phoned in May and went to the rewards department, she said it wasn't their departments handling but customer service so she transferred me, billing at first we were with one lady she was researching and all of a sudden some other woman is on the call as I had been transferred without knowledge This third person was RUDE!!!! Telling us it wasn't their department and we have to talk to rewards, I explained we did, they transf

I applied for a credit card balance transfer to my USAA credit card in AugustI have called them several times they say they're working on it and nothing ever happens and they don't give me a time frame with us we played it they sent the payment to the wrong BankI have not receive that credit card credit and have also been paying interest on my USAA credit card for that balance transfer interest

I had a secured credit card provided by USAA for approximately 6months
I made a payment of paying off half the credit card balance
Approximately 1-days after, I noticed everything was reading zero on the balance and the credit limit
I received a check from USAA for 110.00$ I called and asked a representative named Ryan whyHe stated the credit card was revoked but was unable to provide with certainty why it was
I never received any mail or documents via my USAA APP or at my home address sayin there was any problems I needed to be aware of at all
I just paid half my balance and the next day or the card was revoked without any prior notice or any notification after to me at all in any way whatsoever