Shideler Electric, Heating & Cooling

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

I set up auto payment and for this USAA failed to collect its paymentsafter trying to pay the amount several times but was unsuccessful, USAA still submitted a delinquency notice to the credit bureau, knocking down my near perfect credit to an number that I have never seen before in my lifeI contacted them several times regarding this even after the payment issue was remedied and yet not a single person in customer service want to help and instead a level of unprofessionalism and a lack of knowledge has prevented this situation from being remediedI have never been late before, and have made payments 100% of the time

USAA canceled my credit card because they received information I had been convicted of a felony charge but no conviction existedThis allowed USAA to kick me off the website and gave me no access to my accountsI called in to try and resolve the issue and was told until I showed proof I was not a felon we had no business to discussI took out a cash advance of dollars cash advance within a few days of them canceling me which I have long since paid back and they wont even stop the interest on that which will coat thousands by the time I repay the loanUsaa told me to not pay my card for it for days and they could negotiate it with me after their debit team picked it up they not only never talked to me but filed it on my credit just the sameI am not sure how they canceled me for a felony with proof and then keep giving me info at the same time ruining my credit and taking my money toPlease help me with this

This is account is not only not correct but it is also showing up twice and as a duplicate on my credit reportAlso, filed another complaint to have removedSee notes below
Incorrectly reporting a collection to major credit bureausI asked for validation and they sent me a copy of contract, which indeed had incorrect information and nothing elseI asked for proper validation including that they are allowed to collect the debt and the amount correct and statementsThe company replied that this is validation enoughThe information being reported is inaccurate and negatively affecting my credit

I have been dealing with a fraudulent charge on my card for almost monthsThe process of dealing with this has been an absolute nightmareThe company will not get back to me on a charge that amounted over $2,Ive given the documents they needed and STILL nobody has gotten back to meHave you ever had 2,dollars taken from you?
DON'T CHOOSE THIS BANK

USAA offered me an incentive of a $Credit after I made qualifying purchases before May At the time I accepted the offer, I acknowledged that the credit would not be received for days or approximately August I made the necessary purchases and after not receiving my credit, I contacted USAAI spent about an hour for an agent to research this for me only to be told that she did not see the offer on my accountI asked her to please review my records as you can clearly see the increase in purchases just before the incentive expiration dateShe the informed me that they did indeed have that promotion going on during the time period stated but that I never “accepted” the Offer and that I would need to provide proof of acceptanceAlthough, I have not been able to locate a promotional code for this offer since it was months ago and I trusted USAA to honor what they offered me You can clearly see where the Offer was accepted with the increase in purchases made prior t

1st time about insurance and got a rude individualsI asked for an upper mg call back and never got oneI tried different times!
The second time is todayI tried to pay my closed credit card a d *** could not get the amount correctI asked for a supervisor and got another rep not a supervisor*** took the second call and I gave her all the verification info and she did not write it down and asked me for it againI told I feel like no one listens and *** proceeded to tell me I rambled the info her and told she was it going argue with me and hung up

My Father had fraudulent charges on his USAA visa USAA refuses to investigate these charges and will not talk to my father about why they denied the fraudulent charge claim THey will not provide documentation on why the fraud charges were denied and will not investigate

My checkings account with PNC bank received a duplicate charge of $50.47, once on 11/& once on 11/24, despite a cancellation for a payment scheduled for 11/(payment was cancelled on 11/22/given an unexpected early holiday paycheck)When I became aware of this duplicate charge, I was informed that despite it being a credit to my account, I cannot receive a refund for business daysI was also informed that despite this being a mistake, having a check overnighted would result in me not receiving a full refund because of the fee associated with overnight shipmentI was informed that I cannot have my funds immediately refunded because I have an external bank account, but I would be able to receive the funds immediately if I had a checking account with USAA or paid from a USAA checking account

Negative.I I use their credit card; they send me a statement; I pay the statement immediately; they send the check back for more information (ie acct number, membership number, etc), all of which they have! They issued me my membership number, plus it's on the bottom of every statement from USAAMy account number is the credit card number, which they issuedBecause of the returned checks, USAA has cost me more than late payments

I have been a member since At that time I had placed overdraft credit protection on my account, because that was the only option On Dec 1, due to me moving banks, my account was overdrawnAs setup, my USAA visa credit card was chargedMy checking account was overdrawn $410.46, my credit card was charged $On Dec 4, I called USAA to find out why my card was charged so much, as I had just added it back on my checking account a few weeks ago The representative informed me that the policy now states that the card will be charged increments of $ I informed the representative I was not informed of this policy by the representative I had overdraft setup with a few weeks ago If I had known such a policy existed I would have left the account unprotected, and paid the traditional $overdraft fee, rather than an additional $out of pocketAfter over an hour on the phone with escalations, time and time again, I was informed that I should have read the depository agreeme

My Father had fraudulent charges on his USAA visa USAA refuses to investigate these charges and will not talk to my father about why they denied the fraudulent charge claim THey will not provide documentation on why the fraud charges were denied and will not investigate

The company wants me to pay a higher APR because I am trying to refinanceI filled out the application twice which one application gave me an APR at and the other one was at 9.somethingThe company rather have me use the instead of the
They just want to play games to make people to pay more

This is concerning USAA Credit Card services This incident is about my contact with USAA to pay off my credit card I contacted them to find out exactly how much I would have to pay to close the card out including upcoming interests on the next bill I called them from my other bank *** State bankI went to the loan department at *** State bankWhile there I called USAA while I was at there to get my close out amountI asked specifically what I need to pay this offI called USAA and asked them what is my closeout price to pay off my credit cardI paid off my credit card for USAAThey gave me the exact amount to pay and told me I only need to pay dollars more for interestThis is exactly what I didBut next month I get another bill for $ Again, I called to complainI called USAA to ask them why I was being charged after closing my account and even receiving a refundThe first I talked to was no helpI talked to their resolution personAlso no he

I have had an account with USAA for over a year and a halfI have had an Amex with them for this timeI have over 15,in open credit with them
I have routinely charged and paid off my cards every month with USAA for over yearI have given USAA thousands and thousands of dollars
Last week, without my knowledge, I had a $5,payment bounceThis was despite it showing as paid and cleared on my accountThis payment bouncing, left my Amex over the limit for hours without my knowledgeI was not called or texted by USAA about this
Upon this discovery, I immediately put through the payment again for $5,and this has clearedDespite finding this out and handling it immediately, I was told my Amex was closed and will not be re-opened
I have perfect credit and have never missed a payment on my cardsI am not mid any debt consolidation program or any bankruptcy
I was on hold calling the bank for over 4-hours this week trying to find out why my card was

The fraud department contacted me about activity on my card I advised that I had possession of my card and was using my cardThe fraud representative stated that she had unlocked my card and it was available to use againI was not able to use my card and did not have access to any of my checking or savings account funds the entire weekend because when I called the fraud department back the recording said it was closed to call back during business hoursMy only alternative was a cash advance from my credit cardI called that monday and the credit card representative stated that I would have to wait for the charges to show up and not be pending then call back to have them refunded and that she had noted the accountShe also unlocked my cardI called back again once the cash advance fee and interest fee for the cash advance showed up and the credit card representative stated he would refund the cash advance fee but he could not refund the interest so he transferred me to the executi

I recently had an issue with a balance transfer from my USAA credit account to my Etrade securities account, long story short as they say, there needed to be more time between the money in the accounts before I could initiate a transfer; thus, I had a three way call between myself, an etrade rep and multiple USAA repsThroughout the conversation never once did the bank i.eUSAA warn me that my usaa credit account was placed under restrictionFurther, they indicated that all was good with the account and I could start a transferHowever, that second transfer was declined because my USAA account was placed on a day security holdI lost significant reputation among other things when I had to go to my partner and tell him I couldn't make the payment, if USAA had notified me this all could have been avoidedI indend to take this complaint all the way to the top until I am heard

The credit card promised $credit on the statement if purchases were made in a given timeI made the purchases, but the $was never creditedI have contacted USAA multiple times, and every single time they confirm that the purchases were made and the money should have been credited, but somehow it still never gets creditedThey have assured me multiple times that the money would be thereAfter months, it still is not

I called USAA Fed Savings Bank on or about Oct to close out a Visa credit card account that we no longer use I was informed that there were no charges on the card and the last charge was in February USAA closed the account
I noticed a $charge later in October and called the bank to inquireI was told that the $was a renewal fee for the Visa card that I had closed weeks earlierI explained that I had closed the account and had been told that there were no outstanding charges
I have tried to resolve this charge with the bank but they have said that there is nothing they can do
On Nov, I talked to the 'resolution department' and was informed again, that there was nothing they could do
They also informed me that they would NOT be sending me any Visa cards for the account because the account was closed
So, I was charged for a years renewal on an account that they now refuse to send me cards for even though they told me that I owed nothing when the a

Credit reporting agency is showing incorrect information and not verifying with entire account from open to closeNeed proof of original signed agreement, complete records including every payment date, late fees, charges and account history for the entire life of the accountThis is to include proof of notice and right to dispute days prior to reporting negativity to any credit reporting agencyAccount holder needs to comply with FCRA 604, 605, 632,