Shideler Electric, Heating & Cooling

MY ACCOUNT WAS CLOSED TO DUE TO ME ADDING MULTIPLE AUTHORIZES USER TO MY CREDIT CARD ACCOUNT
An “authorized user” is a person who is permitted by a revolving account holder to use
an account without being legally liable for any charges incurred The Federal Reserve’s Regulation
B, which implements the Equal Credit Opportunity Act, requires that information on spousal
authorized user accounts be reported to the credit bureaus and considered when lenders evaluate
credit historyAccount too research adding authorize user is completely legal
On OCT 9th my USAA account was restricted due to a alarm from experian a about an inquiry dispute and I lost access to my accountI received a calls from a representative asking if I applied for the new account and I confirmed with them that indeed applied for those accountI was asked who are all the people listed on my account and I informed them that they are family and friends added to my credit card as a AUTHORIZE

USAA converted credit cards from a *** *** to a ***In the process, they did not carry over the auto-payment setup we had on the accountThis resulted in our October payment not arriving on timeThis was not our fault and they subsequently refunded the late fee and acknowledged that this was not our faultHowever, USAA notified the credit reporting bureaus that we were late and has been unwilling to remove this negative reportThe negative report is hurting our credit rating and USAA is refusing to remove it on their own

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 credit card was stolen and I was assured by USAA that they would investigate They credited my account the charge and was told their was nothing to worry about Now they are saying that their was no fraud on the account and are going to take money from me I have had to CANCEL my debit card because of this and eBay even stated that their was fraud and helped me re-secure my account I have been a loyal member of USAA for a decade and they have completely let me down

I opened a secured credit card with the last four *** on October 24, through USAAUSAA held the deposit in a CD with the last four On November 13, USAA closed the secured credit card with the last four *** before any useI am placing a formal grievance that my $2,deposit has not yet been returnedI was previously told on November 14, by associate *** that she enlisted the help of several supervisors, and that the refund would be handled ASAPOn November 19, I called in was told by an associate that my check had been mailed, and that I should have it by the end of the weekI started a chat November 26, and I was told by chat associate Peter R that the funds were not yet released and no check has been sentI need MY money back

Back in December 2018, we noticed our credit card was being used fraudulentlyWe called USAA, had them stop and cancel the card, and USAA had flagged several merchant paymentsWe were told to go over the charges and call them back if any of the charges turned out to be approved by usAfter going over the charges we noticed a few that were done by usFive of the flagged charges were authorized
Authorized Charges:
***`S $
*** *** $
** *** *** $
*** $
*** $
Total of $
I then spoke with USAA fraudulent department and was told the authorized charges would just be put back on our card and to give it 24-36-hours before the charges would reappearAfter 24-hours, I checked our account and noticed that not only were the charges put back on card but they were put back on three times (the same five charges, three separate times) resulting in $of repeated charges; which ultimately put our c

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 agreed to a settlement with USAA credit card services and received written agreement with USAA on July 13, The original amount of the credit crd balance was $8,and the agreed settled amount was for $4,to be paid no later than July 9th, A check with my name on it in the amount of $8,was mistakingly sent from my escrow account late July and USAA verified it had received the check in the beginning of August I had called USAA Recovery Department on several occasions to follow up on the disimation of the check and refund Each time, I was told the team handling this matter was reviewing how to handle the refund and I should receive a check in approximately to days
The last time I called (4th time) USAA addressing how the company already had the check for over days and it was approaching almost days, I was then informed someone had decided I was not entitled to the refund of money in the amount of $and that USAA decided

We were offered over the phone a deal on 0% balance transfers When speaking with the representative, I specifically asked about future purchases on the card and if that would affect the 0% interest on the balance transfer I was assured it would not affect it and that we could make additional purchases without imperiling this deal We were then charged interest on the additional purchases even though we made a payment, because they applied the payment to the balance transfer and not new purchases What this does is essentially force us to pay down the balance transfer immediately to avoid interest on the new purchases, defeating the purpose of the deal When we contacted customer service, they said this language was in their fine print, which was not told to us over the phone, and that we should not use the card for additional purchases, which again was not mentioned with their agent This is essentially a bait and switch, leaving out very important information in their sales pi

On February 9th I tried to add my checking account on the USAA mobile appI was trying to pay my balance of dollars off before the days was up to prevent an interest charge A few days later I got an email saying that the account did not add successfully and I was charged an interest payment and dollar check return feeThey removed those chargesI tried adding my account a second time and the same thing happened yet againI spoke with a USAA customer service rep and she said that the account information was entered incorrectlyBut before that she said that the routing number was wrongWell what is it the routing number or the account number? They are trying to charge me another dollar return check fee for the account not successfully addingThis time they refused to remove the return check fee

I have been with USAA for years on account of my military family using them for years
Problem:
Last year on May 25th I tried to pay my credit card bill and the payment was rejectedI was hit with a late fee and I thought I had possibly just forgotten to pay itSo I tried againWithout fail, every time I attempted to pay my bill, it would be rejected and sent back to meAttempt after attempt forced me to call USAA for assistance with this problem
I was using the USAA app at first and then tried using the website, thinking that it was only an error with the appBoth failedI had always paid my bill online or through the appNo problems prior
What they told me when I called:
The problem is with your bank(I called my bank, spoke with tech support and my account was working fineI paid other non-USAA bills successfully)
Delete the bank account you're paying from, and add it back on (did this multiple times- still failed)
Every months, a bank account

I made a payment on December 8th for my monthly payment of $41.00,I paid more and instead paid $to help me get my payments paid offThen on December 11th I seen my bill on the couch and forgot I had paid it, so I made a second payment of $50.00! When I explained to them that I made a mistake and not only did I pay $on December 11th but that I had also paid my monthly payment ( which is $41.00) on December 8th! When I ask them to refund the money of $they said NO that they don’t refund any money ! When I said I had made a mistake and that I live paycheck to paycheck and the extra payment would put me negative on my bank account, which would then make or other payments to other bills go negative, they said NO! So I am making a complaint as I’m human and people make mistakes ! Also other companies that have received an extra payment over the years, all said they were sorry for the inconvenience and would be happy to refund the money! This is ridiculous that people

I have bene a customer of USAA for over yrsI have home owner insurance through them, a car loan, a checking account and credit cardI recently received a letter in the mail stating that my CC limit has been HALVED due to a recent pull of my credit reportThe letter also states that they are doing this to assist with my financial needs----they have now lowered the balance to a point that it is near maxed, instead of 1/of the balanceI have only been late two times for this card, accidents of my own/over lookingI cannot believe that I am being penalized in such a way considering the relationship I have had with this companyI now more than ever need to have the safety net of this card and they have taken that away from me

I recently took out an auto loan with USAA with an automatic payment agreement beginning March, Instead the first loan payment was deducted on February, One month earlier than the agreed upon dateThroughout the loan process which was both tedious and time consuming I was assured throughout of the March payment date After speaking with a supervisor with USAA's Executive Resolution Team (ERT) I was informed that the on line electronic contract stated an February start dateI attempted to explain that the representative I was working with assured me of the March date but the representative in question offered no reliefThe result is an unexpected and in my view, illegal withdrawal of from my checking account a full month earlier than the agreed upon date

Usaa called and corrected the issues I hadThey did right by me in the end

opened a claim for a $charge made on September 20th from www.*** order number *** card ending 5989, never received anything from them contacted usaa and they are not doing anything about itI explained to them that I tried to reach the seller countless time with no success also provided proof that the company is boguscountless banks or credit card companies would issue a temp refund while investigating usaa is not the case

On April 2, 2016, I charged $on my USAA Mastercard at a dentist's office for separate proceduresA few days later I complained to the dentist about one of the procedures, a whitening, that cost $of the $paid to himHe gave me a credit back of $as a refund on my credit card cardA few days after that there was a problem with my cleaning that I was charged $for on the same $transaction The dentist was not co-operative in refunding the $after several attempts to communicate with him Upon going to USAA Mastercard to get the $I was due, they determined that I owed the whole $and and added the charge back to my cardThey basically said the dentist xhould not have credited me back anything without knowing anything about the original creditThey assumed to know more than the dentist and their actions made no senseI have communicated with USAA via phone several times and sent them a fax on 5-24-assuring that they understood what had happenedI

I have been a member with usaa for over three yearsI have always been good, I have had a secured credit card for over a year now to rebuild my creditToday January 24th I got sent a notice saying there was a document in my account so I looked at it, It told me I was approved for a credit cardI assumed this was because I have always made on time payments to usaa for my secured card and got excited and calledI kept telling myself do not get my hopes up, they always deny me but this was the first I got this and said wow maybe I am doing good with creditI called and the rep said let me call back office and see if an account was opened without your notice, I told him I would be happy if they did I have been wanting a credit card with USAA for years now and have been trying to really earn it with my secured cardHe informed me after a few minutes that it was an error on their partI feel so misled and am thinking about getting my lawyer involved, this is beyond misleadding h

I have requested an investigation by USAA to determine why my payments were returned by multiple checking accounts that I have linked to USAAWhen you view my account on the main page of USAA you can see the accounts I have linked to USAA with balance information of the accounts I am attempting to use to pay my balanceI have successfully used my Sun Trust account to pay bills within the past year and to transfer money to USAAUSAA has informed me the PENFED bank account returned payments for incorrect account information as well as SunTrustThe account information is not incorrect and I have recently paid my credit card bill using my SunTrust accountI now have a delinquent payment reported to my credit reportI am not sure why this error is happening when trying to pay my bill because the information is correctI have been a paying customer of USAA since These types of payment processing errors bring in huge revenue for late and returned payment and interest fees.On Dec

I pay off my balance every month in fullthey said I paid it off one day to early and I got hit with interest chargesthey refused to reimbursement mecustomer service has taken a hit