Shideler Electric, Heating & Cooling

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

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 numerous attempts to make my credit card paymentMy bank had issues running it so I tried times with no successI called on 9-25-to make my credit card payment and told it was closedI was only 30days past due with no warning of them deciding to close the cardthey took my deposit and just closed the account I haven't received anything stating thisIf they want to close it that's fineBut I will need it removed form my report since they closed with out any notice of letting me know

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

A secured card (ex $500) with USAA can be subject to a hold after full payment has been automatically withdrawn by USAA’s bank, lasting for as long as they see fitThis is clearly an abuse of customers and federal regulationsIn this case the credit card has never been delinquent or unpaid, yet multiple times holds have been placed for payment twice in one month, traveling out of state, and being withdrawn $over the security deposit, the latter shouldn’t be possibleAll transactions are declined for days or weeks while USAA “processes” the payment, *** Bank keeps records of receipt and payments are received by USAA within hours of processing, yet they lie and tell you it is still in processSupervisors are always “busy” with other members and they have a special team to “deal with cases like this” Most often the line is disconnected and no call backs are attempted

we wrote balance transfer check for on 06/28/payable to *** *** ***, in ridgewood, n.j 07450.On 7/05/2017, Wells Fargo reversed the payment ,as usaa refused to honor the balance transfer.according to mr.*** at usaaafter about one hour of back & forth discussion, he said that the bank was doing a review of the acct as of 6/26/& that was why the check was not honored.Our credit limit at the time was $24,& my available credit Was $12,507.00.We had a promotional offer from them thru 6/30/at 0% & balance transfer feessince they returned the check the offer has expired.this was due to no fault of ours & they refuse to honor the offer at this time.because of what they due internally,should have no bearing on us.we feel we are entitled to a balance transfer with those terms now.they refuse to honor these terms

The US bank closed all my business accounts because they do not want to do business with MSB Businesss and I accepted because I had no choice, But the real problem was that they closed my business/Victor Credit card too and I didn't complain but I do not accept that they put a block on my credit file that prevent me to get any other credit card from any other bank(I tried with Comerica bank and they explain that to me) I am a good citizen, Excellent credit and never gave any problem to this company An I understand they are violating the fair credit actI just want to this company to lacer my name in order for me to get credit card for me and my businessperiod

I recently tried to contact my credit card company (USAA) pertaining to credit card debt and what could be done about itAfter a few transfers and being laughed at during one interaction I was told that I could not be helped and I should try to call back laterLuckily, I made sure to record the phone conversation in its entirety and once I have completed editing said conversation it will be uploaded to social mediaI am happy to make a copy available to the Revdex.com as well
It was my understanding that credit card companies would help find methods of relief prior to an individual having to claim bankruptcy but apparently I was sadly mistaken

Had zero due and wanted to make an extra payment then realized that the payment was for the full amount on credit cardI called right away to have it cancelled due to the large amount and that it wasnt due yet2hours later we were told that it couldnt be cancelled and the "sr advisor" hung up on usA veteran and here I thought they would have higher standards then the other credit companies,,, so wrong
Will also be moving my car insurance elsewhere!

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

After having a credit card with this bank for three years with no late payments and paying of the card miulipute times my credit limit was dropped over half down because I refinance my home and paid of my balance my credit limit was dropped the reason the bank blame the reduction was my previous credit score they gave no good cause these banks cause hardships on their clients with their predatory lending practices

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

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

USAA Advertised an month interest free card with $and 0% interest on balance transfers
The agent I spoke with when enrolling confirmed these terms
I called USAA upon receipt of the card to confirm terms of promotional interest periodRepresentative told me that was not how the card was setup I made a copy of the direct mailer sent to to me to provide to USAA
I have made phone calls and spend over hours on the phone to resolve this issue I am promised call backs and escalation but never get return communication

I made payment for our credit card in full on December 11, The payment was the full balance my wife and I owed The payment was sent directly from Navy Federal Credit Union (NFCU)I have the FedEx tracking number confirming that USAA received and signed for the checkThe credit card department refuses to admit that they received the paymentI had NFCU resend the payment and again confirmed the FedEx tracking numberThey received the second check, yet still keep stating they have not received a payment and have added additional charges
FEDEX TRK#***
NFCU Rep: *** *** ***@***org

I'm active duty Guard in Tennessee, I sent them a copy of my orders back when I first opened the credit cardThey told me they could not lower my APR because I accrued the debt after being on active dutyTwo representatives also told me when I get my new orders, it could be lowered thenI sent them my new orders starting in September, and got a letter in the mail saying they couldn't lower my ratesI called and again a representative told me it should be loweredThen they said it would not be lowered because it is a continuationIt is not, it is a whole new order, and I've been told it should be lowered by representatives now

I made payment for our credit card in full on December 11, The payment was the full balance my wife and I owed The payment was sent directly from Navy Federal Credit Union (NFCU)I have the FedEx tracking number confirming that USAA received and signed for the checkThe credit card department refuses to admit that they received the paymentI had NFCU resend the payment and again confirmed the FedEx tracking numberThey received the second check, yet still keep stating they have not received a payment and have added additional charges
FEDEX TRK#***
NFCU Rep: *** *** ***@***org

I contacted USAA on September about a disputeThey asked me questions and stated they have filed the dispute and I should wait at least days in order to give the merchant a chance to replyI waited the and during that time I called several times asking them the progress of the disputeI even asked them if they needed anything from me as the merchant did not install the floor correctly and I had three other merchants tell me the same thingThey said, no not at this time, we will file the dispute and let you know if we need documentsThey never contacted me and every time I called them they told me still waiting as no reply from merchantI waited the timeframe and then after the days called themThey then told me that my dispute was never filed even though they told me it had and that I had to wait so that they can file itI even contacted the office of the presidentThey stated that I had to wait but I believe that my rights were not violated since they told me tha

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

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