Shideler Electric, Heating & Cooling

My husband is active duty military and we file for our military benefits the SCRA on our USAA credit cardMy husband already applied for it when we first moved to our new PCS station in and it was applied to our car loans at the time, but they didn’t apply it to our credit card we have through themSo I reapplied for it in June and now they are saying we don’t qualify for it even though we have already done it on two of our loans through them and my husband is still active duty military

On January 17th at 5:55PM USAA sent me an email with the title “Fraud Alert: Call USAA about your Credit Card.” I did as instructed and learned that my credit information had been compromised and multiple transactions were attempted without my authorizationAfter speaking with the representative, I was assured that all charges on the card would be reviewed and all fraudulent charges would be credited back to my account
I diligently checked my account online over the next two weeks and noticed many adjustments and credits that I could not keep track ofIn addition to the fraudulent charges, the authorized transactions were also credited because they had to be transferred to the newly issued credit card
I tried to follow along on the USAA.comwebsite and flag the charges that I thought were fraudulent but it seems there either isn’t an online process established to do soAs a result, I have had at least three separate phone conversations over the course of a month with U

I opened a checking account back in with USAA and the account went into a overdraft status racking up a lot of feesI paid $of what I felt that I owedNow I called to open up a homeowner's insurance policy for a new home that I am purchasing and I was told that I couldn't open it up until I paid the balance of $I have been a member of USAA going on years and I have accounts with you that are in good standingI have an account with BBT and Fidelity Bank which both accounts are in good standings and I didn't have any issues opening these accounts when this USAA account was closed

I was online www.usaa.com and was applying for a secured credit card I am trying to improve my credit I read that I would put $or more on a credit card and it would be a secured credit card so I said I would put $on a secured credit card next thing I know usaa takes out $for a $secured credit card that is not what I agreed to do I agreed to give $for a secured credit card of $ I don't need a credit card that bad I contacted customer service within an hour of noticing the $being taken out of my account and was told by customer service that I will be charged a fee for cancelling the secured credit card I just applied for it two hours ago I feel as if I was really misled

Having banked with USAA for many years I've noticed a definite downturn in the quality of their service in recent years - this was finally demonstrated to me this month when I paid off my USAA visa card and its $balance on Aug and found on Aug the same amount was withdrawn again from my local credit union account , having detected the error I called USAA and after much discussion & several representatives USAA stated that my money could not be returned to me until business days had passed ( despite the fact that it had been withdrawn in one business day and that it was clearly an error on their part ) , I was more than irritated being that USAA had cleaned me out of all the money I had in my credit union account and would likely be facing some over draft charges from transactions made in the previous couple of days - I went back to my credit union and arranged to stop payment on the duplicate withdrawal and had my money back in the credit union account the next day When I looked online today to make sure the matter was cleared on the USAA website I found they had added insult to injury by charging me a $returned check fee ! I called USAA and urged them to drop the fee which, amazingly , they did .Lesson learned , stick with your local banks and credit unions to hell with the big banks

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!!

On or about April 14, I spoke with USAA underwriters regarding an application for a unsecured personal loanIt was made clear to the USAA representative responsible for taking my application that I had been carrying a significant amount of credit card debt during my time in graduate school and that I was seeking this loan to pay off my USAA credit card debt and structure the paymentsI further explained my work requires that I be bonded and the purpose of the unsecured line of credit was the payment of my outstanding credit card debt with the reasonable goal of increasing my credit score to qualify for said bonding
Upon the approval of my loan and my subsequent payment of $7,to my VISA USAA Credit Card, my credit limit was immediately dropped to $2,whereby now demonstrating that my balance to available credit was actually in a worse position then when I initiated the loan application processAdditionally, as a result of establishing the new loan my cr

Usaa offered me a credit card saying I could transfer any balance I had on other credit cards and I would have 0% apr until December I accepted the offer and when I asked them to tranfer my balance from another usaa credit card to the new credit card, the refusedI replied to the USAA employee that no where in the over the phone conversation with their representative they mentioned that I could not do a usaa to usaa credit card transferThe usaa employee agreed with me but said his hands were tied Also the same thing happened when I asked to speak to a managerI belive this is a fraudulent way of doing business and selling a product What I'm asking is for USAA to transfer my previous balance to my new 0% APR credit card they issued me, and give me what they offered me when I initially excepted this offer
Thank you
***

From previous complaint filed 5/19/16:
On April 16, I received a text from USAA asking whether I made a $700+ credit card purchase to Pep BoysI texted back "N" and then called them and reviewed all charges and to report my CC fraudulentUSAA sent me a new cc but the $700+ amount from Pep Boys was transferred over to my new cardI have called USAA a total of times (total of minutes / 7+ hours) since to try to get this amount removedApparently, the customer service agents can't make any correction to my purchasesInstead, I have been told numerous times that a report has been made to the Advisors (back end department) and that someone will get back with me in 24-hours(I can’t tell you how many times I have heard that someone will get back with me in 24-hours) I have spoken to numerous customer service agents and supervisors who say they don't have these "advisors" direct lines therefore can only email a requestI am routinely transferred between the Fraud, CC (cre

USAA NationStar changed collectors I had automatic payments going to the collector I called USAA after seeing a late fee and they said that the late fee would be waived and that I would not be reported to any crediting agency I paid in full, advanced paid the rest of the month and started new payments to the new collector in accordance with USAA guidance I received a call within weeks saying I was late however after review while on the phone the representative saw that again it was USAA's fault and that they would again waive any late fee and not report it to any credit agency I called back several weeks later to verify no late fee and no credit report adverse action which USAA representative again guaranteed My credit report shows Jula day late charge for the account All phone conversations were documented according to the representative

*** has a credit card with USAA He deposits money in *** account to pay for credit card balances in full each month *** pays USAA credit card through her credit union's electronic bill pay service The bill pay service sends a corporate check through the postal service with guarantee of arrival by due date or finance charges/late fees will be paid for by her credit unionThis process has been used successfully for over years In July 2018, a check was lost in the mail and it took a couple of months for *** credit union and USAA to work out payment of finance charges when the corporate check was lost by the postal service USAA refused to work with *** credit union and accept the credit union's payment of finance charges *** paid the finance charges for two months and the principal payments through ACH after the second month of trying to deal with USAA and was then reimbursed by her credit union for fronting the finance charges The second month

USAA hold my payments for to days after the payment is made, the pamt is on hold even after the ACH has clearedI made a payment on 11/11/and called them days later to ask why the payment has not clearedI was told all my payments are on a day payment hold, due to a returned item that was NOT my errorSo I asked the rep if this could be fixed she told me the computer makes all the decisionsThats kind of scary in itselfI feel this is complete non-sense them holding my payments for days even after they clearedNo other babk I deal with does this

This company ran my credit and I did not give permission, I did not know they were pulling my credit
Inquiry Date
Mar 13,
Mar 13,

I was charged more than once for the same transaction
Dispute Submitted On: 12/22/14: Dispute ID: ***
On December 20, I reviewed a transaction that was originally posted on my account twice for UGG boots purchased onlineUSAA normally flags suspicious transactions and even stopped my card from working twice when I was traveling in Ohio and MichiganBut for this particular transaction they allowed both transaction to go throughWhen I informed them of such they stated they would investigateAnd since that time have only reversed one charge while processing the other and each amount was over $One for $and another for $Instead of doing a thorough investigation this financial institution is attempting to reap benefits while committing theftThis also includes reporting incorrect information to the credit bureau implying they are providing me with credit which is inaccurate when my own money is what I utilize since it is being held by the bank in

Fees on Credit Card

This was actual an online dispute from repsthat I have spoken with
I have reported fraudulent activity that has occurred on my account in June of A transaction have been made on my credit card without my authorization, and I reported it to the fraud deptThey did close out the card, and reissued me a new credit cardHowever, moths later USAA charged my new credit card with the same fees of $and $that was unauthorized by meI did contact USAA to get clarification about this transaction, and they stated my claim have been closed due to proof the merchant has providedI contact the merchant from the information that was given to USAA and that number was disconnected
According to the documents, the merchant is located in Kent, WATherefore, I did some investigation of my own and searched on Google, and that merchant does not exist within that areaI have made a second report, and it has been over days and I still have not heard anythingTherefore, I fil

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 had my bank cards and cell phones stolen while I was in New Orleans, bank cards in totalThey assailants charged up all of the cardsI cancelled them and reported them stolen and started the process of getting the fraudlent charges offUSAA is the only one to drag their feet with itI never got a notice or email that they were working on itThe charges never lifted I called numerous times and they said it might take up to daysThe day mark comes I call again, the person in fraudulent charges departments says he'll put up as a "high priority" as they only refunded of the disputed chargesHe told me to give another weekI called again a week later as nothing had changed, the person I got this time "Diamond" told be to resubmit the entire claim of disputed charges again or they wouldn't refund the moneyThis was unacceptable to me, especially it took them about months to basically say "yea we don't know what were doing and not going to do anything about it an

[USAA] has violated x USC by continuing collection activity after a cease and desist and USC by failing to report complete and accurate information to credit reporting bureaus

I had two visa credit cards with USAA with 50,dollars in creditI wanted to take out the new 2.5% visa cardI was told by the service rep to deactivate one of my cards with a 25K credit limit in order to roll over the new credit limit to the new cardI got a 2K limit on the new cardUSAA refused to roll over my credit limit to the new cardAs a result, I had to move over 45,dollars of credit card business to ***I called six months later to see if can be corrected per advice from another service rep, they only raised it to 6,limit, which is far from the 25k they promised and a hard hit on my credit reportI still can't use the cardI use to do over 50,dollars of business with USAA a year through cards, house and cars, today it's now zeroI have now found that *** and *** is more pro veteran than USAA