USAA Credit Card Services

July 25, Mr [redacted] Complaint ID #: [redacted] Dear Mr***: I am responding to your submission regarding the finance charges assessed to the $1,cash advance from your USAA Federal Savings Bank (the Bank) Signature Visa® credit card account into your USAA checking account Our employees are expected to be courteous and informative and to handle maters in a professional mannerI regret this was not your experience [redacted] , of our staff, conducted a thorough review of your concerns, but was unsuccessful in speaking with you about his findingsMr [redacted] confirmed that the terms on your credit card offer included a 13.65% APR on purchases and cash advances, and a 0% introductory APR on balance transfers and convenience checks that post to the account by June 30, Typically the Bank charges a onetime 3% cash advance fee, but that fee is waived when the cash advance is processed into a USAA accountConsequently, the $1,transaction did not incur a cash advance feeHowever, a finance charge of $was accurately assessed as reflected on your June 27, 2017, credit card statement MrDuane, Please note that our core values of service, loyalty, honesty, and integrity are at the center of everything we do, and we must respectfully disagree with your allegations of improprietyShould you need any additional information, Mr [redacted] remains available to assist you Thank you for allowing us to reply to you Sincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

June 6, Mrs [redacted] Complaint ID #: [redacted] Dear Mrs***: I am responding to your submission regarding the credit limit decrease on your USAA Signature Visa® credit cardI regret any inconvenience this may have caused In an effort to ensure the financial strength of USAA and its affiliates, it is our business practice to periodically perform a review of our credit card portfolioUSAA credit card accounts are governed by the USAA Credit Card Agreement (Agreement), which is provided to account holders at account inception and is available for review on usaa.comThe section of the Agreement entitled “Transaction Limits,” under “Part B: Use of Account,” maintains, “We may establish limits on the amount you may borrow or types of transactions we will permitWe can increase, reduce, cancel, or suspend any of the limits or add new limits at any time.” After receiving your correspondence, Kyle [redacted] , of our staff, conducted a review of your accountHe confirmed that we were unable to reinstate your credit limit at this timeThe specific reasons for our decision were provided in the notice we mailed to youIt is important to note that the unsecured loan approval had no impact on the lowering of the credit card balance Mrs***, our decisions are not made without careful consideration, and I hope the information we’ve outlined clarifies the reasons for our actionsUSAA Federal Savings Bank adheres to all applicable banking regulations and to USAA’s core values of service, loyalty, honesty, and integrity, and your allegations of wrongdoing are unfoundedShould you have further questions, Mr [redacted] remains available to assist you, and he can be reached at (***) ***-USAA (***) or (***) ***-***, Extension ***We appreciate the opportunity to review this matter and to respond to you Sincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

August 30, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding your Rate Advantage Platinum Visa® and I regret any frustration this matter may have caused Thank you for speaking with [redacted] ***, of our staff, who discussed your concerns I hope that your conversation with Ms [redacted] clarified why we cannot transfer a balance from an existing USAA credit card to your new credit card; however, should you have additional questions, she remains available to assist you at (***) ***-USAA (***) or (***) ***-***, Extension *** We appreciate you allowing us to reply Sincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

July 13, Ms [redacted] ***Complaint ID #: [redacted] Dear Ms***: I am responding to your submission regarding your USAA Signature Visa® credit card accountOur records confirm that you filed an inquiry with the Consumer Financial Protection Bureau (CFPB) We will respond to the CFPB accordinglyThank you for the opportunity to replySincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

December 29, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding your checking account ending in *** Thank you for speaking with [redacted] , of our staff, who thoroughly reviewed your concerns and confirmed that your account status has been updated as previously agreed We strive to provide quality service to our entire membership, and I apologize for any frustration and inconvenience this matter has caused you Should you have any further questions about this situation, Ms [redacted] remains available to assist you We appreciate the opportunity to research your concerns and to reply to you Sincerely, [redacted]

February 8, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding your service experience and the interest charges on your USAA Platinum MasterCard I regret the frustration you experienced as we strive to provide quality service to our entire membership Our employees are expected to be courteous and informative when they speak with our members, and coaching will be provided to those involved to ensure other members do not have a similar experience Thank you for speaking with [redacted] ***, of our staff, about your concerns pertaining to the interest charges on your credit card account As she explained, the purchases made on your MasterCard between April 16, 2015, and January 16, 2016, have accrued interest at the annual percentage rate (APR) you were granted when you established your account This was as a result of the revolving balance, which forfeited the zero percent APR outlined in the terms of our offer If you have additional questions, Ms [redacted] remains available to assist you We appreciate the opportunity to look into this matter and respond to you Sincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

Complaint: [redacted] I am rejecting this response because: Doesn't resolve anything Regards, [redacted]

February 27, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding a returned payment fee assessed to your USAA Signature Visa® credit cardThank you for speaking with [redacted] ***, of our staff, about your concerns As Ms [redacted] advised, USAA’s system will reject an incorrect routing number when an external payment account is added online or through the mobile app Ms [redacted] confirmed that you added a valid routing number when you entered your account information; however, each time, the account number could not be verified As a result, USAA was unable to draft the external payment account, and returned payment fees were appropriately assessed to the Visa® Your most recent payment successfully posted on February 22, Ms [redacted] refunded the remaining returned payment fee as a courtesy We appreciate you allowing us to reply to you Sincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

Complaint: [redacted] I am rejecting this response because: I paid the $for the convenience of using a convenience of a counter check that was to be interest free until January 31, As it turned out, it was not interest free, and I had to pay off the account prematurely in full to avoid interest charges Therefore, I did not receive the service that I paid $for That is why I am requesting a refund of $ If USAA wants to be fair and impartial, they need to refund the $for the convenience that I paid for, but did not receive Regards, [redacted]

January 16, Technical Sergeant [redacted] ***, USAF (Ret.) Complaint ID #: [redacted] Dear Sergeant ***: I am responding to your second submission regarding your debit card dispute We responded to your complaint on January 8, In addition, as members of our staff previously discussed with you, your debit card was provided for payment, which implied acceptance of the agreed amount and the merchant’s terms Any contract disputes must be addressed directly with the merchant As [redacted] , of our staff, advised you, the decision remains unchanged We appreciate the opportunity to review your concerns again; however, we consider this matter closed Sincerely, [redacted] ***

June 26, [redacted] Complaint ID #: [redacted] Dear [redacted] : I am responding to your submission regarding your automobile loan with the USAA Federal Savings BankWe strive to provide quality service to our entire membership, and we regret any frustration you have experiencedThank you for speaking with [redacted] , of our staff, about your concernsAs Mr [redacted] explained, the vehicle is not in a condition that would warrant a recoveryOnce the vehicle is in running condition, you may pursue a voluntary repossession with the recovery departmentShould you have any further questions, Mr [redacted] remains available to assist you [redacted] , thank you for your service to our country and for the opportunity to reply to youSincerely, [redacted] This is an attempt to collect a consumer debtAny information obtained may be used for that purpose

August 22, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] I am responding to your submission regarding the balance due on your USAA American Express card Thank you for speaking with [redacted] , of our staff Our records confirm that your payment of $posted to your account on August 15, We do not show that any collection attempts were made after this date If you have additional questions, Ms [redacted] remains available to assist youWe appreciate you allowing us to reply to you Sincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

December 27, Mrs [redacted] Complaint ID #: [redacted] Dear Mrs***: I am responding to your submission regarding your Visa credit card with the USAA Federal Savings Bank (FSB)We regret any frustration this matter may have caused you [redacted] , of our staff, was unsuccessful in his attempts to speak with you regarding your credit card account; nonetheless, he conducted a thorough review of your concernsOur records indicate that MrA [redacted] established an automatic payment plan (APP) on April 4, 2016, to pay the minimum payment on the credit card each month on the due dateHe scheduled the APP on usaa.comIn so doing, he provided the applicable routing and account number to be debitedAlthough the APP was scheduled, separate payments received during the billing cycle reduced the minimum payment, hence reducing the APP amountSince payments were manually posted to the account prior to the due dates, the APP payment option was never executed On November 14, 2017, the statement cycle closed with a minimum payment of $due by December 9, Because a manual payment did not post to the account by December 9, 2017, the funds were automatically drafted from your external account in accordance with the APPIt is important to note that a disclaimer was provided under the important messages section of the monthly statementIt indicated that $would be deducted from your funding account as a result of the APP Mrs***, it is important to know that the FSB adheres to all applicable banking regulations and to USAA’s core values of service, loyalty, honesty, and integrity, and your allegations of wrongdoing are unfoundedWe are unable to honor your request for payment reversal or refund of interest incurredShould you have any further questions, Mr [redacted] remains available to assist you Thank you for allowing us to reply Sincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

May 3, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding your USAA Secured Platinum Visa® credit card account with the USAA Savings Bank (the USB)We strive to provide quality service to our entire membership, and we regret the frustration you experienced USAA is committed to balancing the financial well-being of account holders and the financial strength of the associationIn order to achieve this balance, USAA employs risk management practicesIn so doing, the USB reserves the right to withhold credit availability until we confirm receipt of good funds, as stated in the USAA Credit Card Agreement, which is provided to all account holders, and is available on usaa.com [redacted] of our staff, was unsuccessful in his attempts to discuss your concerns by telephoneMr [redacted] thoroughly reviewed your credit card account and confirmed that the application of the hold was appropriateWhile I understand that the hold was released, it is important to note that future payments will be subject to the hold policy as disclosed in The AgreementIf you have additional questions, Mr [redacted] remains available to assist you We appreciate the opportunity to reply to you Sincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

March 23, Ms [redacted] Complaint ID #: [redacted] Dear Ms [redacted] : I am responding to your submission regarding your Signature Visa credit cardI regret the frustration you recently experienced as we strive to provide quality service to our entire membershipYour feedback is appreciated as we are continually seeking ways to improve the way we do business Thank you for speaking with [redacted] of our staffWe confirmed the $6,credit adjustment posted to your card on March 20, If you have additional questions on this matter, Ms [redacted] remains available to assist you We appreciate you allowing us to reply to you Sincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

July 7, [redacted] Complaint ID #: [redacted] Dear Ms [redacted] : I am responding to your submission regarding a credit card promotional offer presented by the USAA Federal Savings Bank (FSB)I apologize for any frustration that you experiencedAfter a thorough review of the situation, the FSB has applied the promotional offer of zero percent Annual Percentage Rate (APR) through September 1, On June 25, 2016, a letter was mailed to you to confirm the rate adjustment and to explain the terms of the offerIn addition, a credit was posted to your account for the finance charges that you previously incurredShould you have any questions, please contact [redacted] , of our staff, at [redacted] or [redacted] , Extension ***Thank you for allowing us to reply to youSincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

November 18, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] I am responding to your submission regarding fraudulent charges on your USAA Savings Bank credit card I regret any frustration this has caused Irma ***, of our staff, was unsuccessful in her attempts to contact you; nonetheless, a thorough review of your account history was conducted Ms [redacted] is available to review your credit card statements, charges, and adjustments, should you wish to discuss your balance I understand that a previous credit was issued for a $late fee and $in finance charges No additional credit will be issued We appreciate the opportunity to reply to you Sincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

November 16, Mr [redacted] Complaint ID #: [redacted] Dear Mr***: I am responding to your submission regarding a credit card promotional offer Our records show that on December 1, 2016, the promotional offer was sent to your spouse and stated, “Offer is only available to the recipient of this invitation.” On the same day, you applied for a credit card placing yourself as the primary cardholderAs the credit card was not applied for through the promotional offer, we respectfully decline your request to credit your account for the full $reward bonusNonetheless, as a good faith gesture, we provided a $creditIf you have additional questions, Elizabeth Osti, of our staff, is available to assist you We appreciate you allowing us to reply to you Sincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

December 22, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding your USAA Federal Savings Bank credit card account, and I regret any frustration or inconvenience you experiencedI want to assure you that your concerns and your account activity were thoroughly reviewedOur records confirm that you cashed the check and used the funds that were erroneously sent to youTherefore, you remain responsible for the balance on your accountThe terms and conditions outlined in the Credit Card Agreement apply to the balance, and we are unable to waive the interest charges or additional fees as you requestedIf you have any questions, [redacted] , of our staff, remains available to assist you and can be reached at [redacted] Thank you for allowing us to reply to youSincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDICThis is an attempt to collect a consumer debtAny information obtained may be used for that purpose

Complaint: [redacted] I am rejecting this response because:USAA is required under their own terms and conditions to respond to EVERY complaintFurthermore they owe an explanation of their conduct to ALL of their consumersA response to Revdex.com detailing their explanation of actions in which USAA violated their own terms and conditions in not posting payments as required under USAA's terms and conditionsAn explanation of the theft of the $ funds is also required as we filed a arrest request with the San Antonio Police deptand a request for investigation by the CFPBThese agencies look into matters of violations of laws and regulationsRevdex.com is designed to warn other consumers of poor and unethical business practices.What is USAA hiding from? Regards, [redacted] ***