Shideler Electric, Heating & Cooling

months ago I was in the market to purchase a houseI have had a USAA secured credit card with a $CD connected to it since 2013/I have had credit issues before and wanted to start rebuilding my credit that wayI later got my credit score up to around low 700's high 600's which took A LOT of work to doFast forward a few years later, and I now had a couple of credit cards, a loan out that I'm almost paid off, and a leased carmonths ago, I decided to work on boosting my credit a little more to get a good mortgage rate and decided to try to pay off some credit cardsin doing so I contacted USAA to try to take out the paid off secured credit card to use that money to help pay for another credit card Here's where USAA messed up drasticallyI spoke to a credit card specialist that had advised me that my credit wouldn't have been effectedJust to be safe, I asked her to be absolutely 1000% sure that it wouldn'tShe asked if I wanted to talk to a mortgage person so

My husband (veteran and USSA member) and I (authorized user) did not authorize USSA bank to automatically debit EACH MONTH our personal credit union checking account to pay our USSA monthly VISA payment I (*** ***) paid a one time automatic payment online from my personal credit union account to USSA visa in 09/in the amount of $ This was in no way blanket permission authorizing USSA to access and deduct from any account in mine or my husband's name Since 10/we have sent a personal check each month from our joint checking account at a different financial institution as we no longer use the credit union checking account This month December my husband mailed a credit card payment on 12/4/to USSAIt was not posted until 12/10/ We received notification today December 16th that USSA had accessed and debited our credit union checking account in the amount of $on December 8th We received an insufficient fund notification as this acc

I am my father's POA He is years old and he does have some cognitive impairment issues My father did not understand what he was looking at and though USAA was offering him a line of credit I started taking over his bills and paying his bills in February I noticed he had quite a bit of fraud on his accounts with Wells Fargo, Chase, and USAA The Wells Fargo and Chase fraud have been resolved quickly, efficiently, and completed several months ago USAA is still pending The fraudulent charges with USAA go back to and go to present The first time I started the claim process with them, in February, the girl said she could only do transactions She did and I let her know there were over transactions that needed to be disputed I was told to send in all disputed trans, and to have my name notarized I printed a copy of the year end statements and put a black X next to each transaction that is in dispute I was told I had to have my signature written times an

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

Back in December USAA allowed someone that was not myself to access my account, get all of my information, change all of my information, and then proceed to max out my credit card I have been having Identity Theft issues ever since this happened I called to dispute the charges and they took all but one charge for roughly $ I did not make this purchase and I have called to dispute it about a dozen times since January They keep telling me they are going to take the charge off my account but never do Meanwhile I am being charge interest on this fraudulent charge and USAA refuses to do anything about it

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

Applied online for balance transfer from Navy Federal credit card account to USAAIt was a mistake and I called them immediatelyThey denied reversal of the fundsAre going to charge 13% I've called to resolve since it happenedFroze my Credi card with Navy Federal but, USAA will take the money

They did not change my due date and sent my account to collections which I was told the "due " would fall at the end of the monthThis action by *** has effective my credit score

I applied for a secured credit card in April By purchasing a Cerificate of Deposit for $500, I recieved a credit card with a $limit When I applied for it over the phone, I was told that in two years the CD would mature, and at that time I could withdraw the $and keep the credit card as an unsecured card In April USAA automatically renewed the CD and refused to let me withdraw any of the money They told me the only way I could get it back was to pay the credit card all the way off and cancel it That is the opposite of what I was told when I was "sold" the card, I would not have agreed to it otherwise

I received an email for a credit card promotion that I took advantage ofI was moving and looking for a way to earn cash back or rewards on my moving expensesI applied and was approved for a credit card with this company, I confirmed my address as well as my mailing address and confirmed several times I received some checks in the mail and a letter stating that I should have received my cardI then called the company and they said the card was sent to the wrong address and credit cards do not get forwarded so if the card was attempted to be forwarded it would be sent back to companyI waited until the mail came that day and called back ( a few hours later ) when it did not come to cancel the card and have another sent out and the second representative with the company assured me that my card was sent to the right address (and mailed on September 3rd or 4th) and confirmed the address and advised I wait a few more days (until that Monday) to see if it comes because it was in fa

We recently opened a credit card with USAA under a month no interest agreement When we called to discuss the issue of being charged the interest we were sent to a conflict resolution manager who refused to help She said we opened it in the wrong name, which by the way was the military member We were told this would be expedited to a higher manager due to the misleading credit card offer That was over a week ago and we have not heard back We thought this company took care of their members but we've had better treatment from every other credit card we own

I paid off my consumer loan and USAA reported my account as CLOSED instead of PAID AS AGREEDAccordingly, the error has dropped my credit scoreI would like for the correction to be made immediately so all reporting bureaus can report accurately that the account was PAID OFF and not closed

I have been yelled at and threatened today by an employee named *** in Credit Card services after I requested to speak with a manager Who informed me that her manager on duty was ***My credit card has not been working properly and I've jumped through hoops to get the problem worked outWhen the card doesn't work properly I call USAA they in turn tell me to try again having FULL knowledge that after a 3rd attempt it blocks and disables the cardThen it Flags the FRAUD departmentAfterwards I can't use the card for several days and requesting a manager is Impossible if you expect a call backI have patronized this once wonderful company and I've only received manager call backs in a year period, after requesting it mor than timesI want the CEO to receive this complaint and have someone competent communicate with me that doesn't not fall into the Philosphy that the company is always right Screaming and yelling and threatening a customer will get the response tha

USAA is not reporting a closed off account correctly to credit bureausEach bureau has different reporting showing upOne bureau shows payments made well after the account was paid offI have contact via their website, email and written mail and have not received responseA representative FINALLY left me a voicemail, and I have returned calls and left voicemails four days and have yet to hear from the rep again

I understand if you are 30days late the minimum payment due will be increased as well as interest, but I have never gone 30days past for any billI contacted customer service numerous times to only get the run around and being told there is nothing they could do and to basically deal with the minimum payment due increaseMy minimum payment was $and because I paid a bill that was due 02/08/on 02/19/I was listed as 30days delinquentThen, the 03/08/bill was paid on 03/02/I was still listed again as 30days delinquentI was told by a chat customer service specialist that it is a snowball effect of running late on a bill no matter if it is not actually 30days delinquent but the system will make me appear days delinquent and my minimum payment will be raisedI understand the interest rating goes by credit history, but I need my minimum payment lowered back to the amount so I am able to take care of my other billsSomeone please help meI used to have such f

I've been out of work since Sept and informed USAA debt collector EVERY time they calledI also said I CAN'T make a payment on my credit card TILL Feb and I will make a payment WHEN I actually HAVE a paycheckThat was a promise to pay and I asked them to mad record of that and to STOP harassing and caling meMy situation HASN'T AND WON'T CHANGE! Im sick or the attitudes and harassment calls! Especially the outbound auto dialer, that HAS to stop!! I am called times a day and in sick of it! I said STOP calling me and harassing m for money when I DON'T get paid till FebuaryThis has been months of harassment every other dayI will sue if they DON'T stop! I've been at this bank for over years and NOW I'm being harassed when I'm joblessI'm *** sick of it! Im tired of being harassed! I was a debt collector and they have violated a Lt of ACTS and policies!!

months ago I was in the market to purchase a houseI have had a USAA secured credit card with a $CD connected to it since 2013/I have had credit issues before and wanted to start rebuilding my credit that wayI later got my credit score up to around low 700's high 600's which took A LOT of work to doFast forward a few years later, and I now had a couple of credit cards, a loan out that I'm almost paid off, and a leased carmonths ago, I decided to work on boosting my credit a little more to get a good mortgage rate and decided to try to pay off some credit cardsin doing so I contacted USAA to try to take out the paid off secured credit card to use that money to help pay for another credit card Here's where USAA messed up drasticallyI spoke to a credit card specialist that had advised me that my credit wouldn't have been effectedJust to be safe, I asked her to be absolutely 1000% sure that it wouldn'tShe asked if I wanted to talk to a mortgage person so

I have been paying my USAA Credit Card bill thru my Frost bill pay account for years My payment made in late July was received and returned because of a change in their policy that requires the digit account number For security reasons the payment notice omits the middle digits They did not notify me that my check had been returned and they have charged me interest on the payment that was made in a timely fashion I have made repeated efforts to understand what happened I made phone calls and sent emails over a period of days I made another phone call from Canada at cents a minute I was put on hold for an extended period and finally told it was my fault Today, almost weeks after I started trying to understand what happened, in Houston in the middle of a flood, I have the informationI have done business with USAA for almost years It's sad to see what they have become

I previously had filed a case about this issue and the person who responded was very rude and did not seem to care about the issue I was havingShe told me we are a very conservative bank and if you don't like it leave Here we go- On Jan 07, I had a payment post to my credit card account for The funds came from my bill pay from ***The funds cleared this can be verified with my back USAA still has a hold on the funds days laterIts 01/13/and the funds are still on holdThis is ridiculous/unfair to have my funds on hold days laterAnd as far as leaving USAA I am entitled to have them since my dad was a Vietnam Veteran who has since passed onI take that very offensively also!!

I received an email from USAA in November of about a promotion for their signature visa credit card If I signed up for it I'd receive 0% interest until May of 2019, and get $if I made purchases with the card before Jan 31, Before I signed up I wanted to verify the terms so I called in to USAA and asked many questions I was told by their representative that in order to receive the 0% interest rate the Veteran in the family would need to be the one to apply for the card So I had my husband apply and we transferred over $in credit card debt from other cards to this new signature visa Upon receiving our first statement I found that we had been charged over $in interest fees We called USAA more than once to get this figured out and were ultimately told that because I was the one that received the email, I was the one that had to apply for the card This is conflicting with what we were originally told Now we have paid our 3% balance transfer fees, a