USAA Credit Card Services

October 27, 2015Mr. [redacted]Complaint ID #: [redacted]Dear Mr. [redacted]:I am responding to your submission regarding your credit card account with the USAA Federal Savings Bank (FSB).  I understand that a previous concern about your credit card payments was addressed in the past.It is our...

business practice to contact account holders by telephone and in writing when their account becomes past due.  Consequently, when your September 2015 payment was not made by the due date, the FSB made one attempt to reach you.  Our intent was to advise you of the status of your account, preserve your credit history, and offer our assistance.  A review of your account determined that our effort to contact you was appropriate, and your payment was applied to your account on October 14, 2015, bringing the account current.  We have confirmed that the FSB is accurately reporting your account to the applicable credit reporting bureaus.    Unfortunately, [redacted], of our staff, was unable to reach you by telephone to discuss the matter.  However, he remains available to assist you and can be reached at      [redacted] or [redacted], Extension [redacted].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.

Mr. [redacted] Complaint ID #: [redacted] Dear Mr. [redacted]: I am responding to your submission to the Revdex.com regarding the closing of your credit card account. After a detailed review of our records, we were unable to identify you as a USAA member or as a customer of the USAA...

Federal Savings Bank (FSB). On June 8, 2016, I attempted to reach you to obtain additional information concerning this matter. If you are a customer of the FSB, and need assistance, please contact us directly so that we may be able 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.

Complaint: [redacted]
I am rejecting this response because:  consider it closed.  I will not close my Revdex.com complaint, I have not even put my review on Yelp, nor I have started telling my story to the military/veterans groups on Facebook.  I think it is time that vets, learned that just because a bait and switch company says they are pro veterans, that not everthing is as it appears.
Regards,
David Hazard

July 18, 2017 Mrs. [redacted]Complaint ID #: [redacted] Dear Mrs. [redacted]: I am responding to your submission regarding your credit card with the USAA Federal Savings Bank. Our records confirm that you filed an inquiry with the Consumer Financial Protection Bureau (CFPB).  We...

responded to the CFPB on July 18, 2017.   Thank you for the opportunity to reply. Sincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC.

July 29, 2016   Mr. [redacted] Complaint ID #: [redacted]   Dear Mr. [redacted]:   I am responding to your submission regarding your USAA American Express credit card account with USAA Federal Savings Bank (FSB).    Thank you for speaking with [redacted], of our FSB...

staff, who confirmed the finance charges were assessed in accordance with the USAA Credit Card Agreement and provided a courtesy refund for the finance charges.  Should you have any further questions, 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.

March 16, 2018
Staff Sergeant [redacted], USAFR
Complaint ID #: [redacted]
Dear Sergeant [redacted]:
I am responding to your submission regarding your debit card dispute with the USAA Federal Savings Bank.
I hope your conversation with [redacted], of our staff, helped reassure you that...

member service remains our top priority. As he confirmed, the merchant is willing to rectify the dispute with you, providing you return the defective merchandise. If you have additional questions, Mr. [redacted] remains available to assist you.
Thank you for allowing us to reply to you.
Sincerely,
[redacted]

December 27, 2017
Mrs. [redacted] Complaint ID #: [redacted]
Dear Mrs. [redacted]:
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 concerns. Our records indicate that Mr. A[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 date. He scheduled the APP on usaa.com. In so doing, he provided the applicable routing and account number to be debited. Although the APP was scheduled, separate payments received during the billing cycle reduced the minimum payment, hence reducing the APP amount. Since 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 $225.00 due by December 9, 2017. 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 APP. It is important to note that a disclaimer was provided under the important messages section of the monthly statement. It indicated that $225.00 would be deducted from your funding account as a result of the APP.
Mrs. [redacted], 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 unfounded. We are unable to honor your request for payment reversal or refund of interest incurred. Should 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.

Complaint: 11816805
I am rejecting this response because:The fraud purchase charges on my c/c statement are not my responsibility!USAA has not shown me a balance due statement with itemized transactions that verify the balance due!
Regards,
[redacted]

December 29, 2017 Mr. [redacted]Complaint ID #: [redacted] Dear Mr. [redacted]: I am responding to your submission regarding your request for a credit limit increase on your USAA credit card account. Thank you for speaking with [redacted], of our staff, about your...

concerns.  As Ms. [redacted] advised, your request is still in a pending status.  Ms. [redacted] is ensuring this matter is addressed by our Underwriting department.  If you have further questions, 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.

April 3, 2017
Captain [redacted], USA (Ret.)
Complaint ID #: [redacted]
Dear Captain [redacted]
I am responding to your submission regarding your cash advances. I regret the frustration this situation caused you.
Irma [redacted], of our staff, was unable to reach you by telephone to...

address your concerns. Nonetheless, she completed a thorough review of your account and determined a system error caused the cash advance to not fully process. She confirmed that the $2,500.00 was credited to your checking account on March 28, 2017. 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. Other bank products are issued and serviced by USAA Federal Savings Bank.

Revdex.com:  I have reviewed the response made by the business in reference to complaint ID [redacted], I had to do all the work again and contact the collection agency and pay them back the money USAA took from them using my USAA credit card with my USAA credit which I found very ironic. This issue has been resolved.
Regards,
[redacted]

May 18, 2016
First Lieutenant [redacted], USA
Complaint ID #: [redacted]
Dear Lieutenant [redacted]:
I am responding to your submission regarding your USAA World MasterCard®.  I apologize for the frustration this experience has caused you.
Thank you for speaking with [redacted] and...

[redacted], of our staff, who confirmed three credits for $944.53, $8.00 and $8.00 were applied to your account, and who provided the fraud telephone number in case you have any further issues.  I hope that your conversation with Ms. [redacted] and Ms. [redacted] reassured you that your satisfaction is important to us, and if you have additional questions, they remain 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.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]

February 27, 2018 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 card. Thank 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, 2018.  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.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Well we'll have to see if they actually do it though.
Regards,
[redacted]

February 15, 2018
[redacted], USAF (Ret.)
Complaint ID #: [redacted]
Dear [redacted]:
I am responding to your submission regarding the interest assessed to the promotional balance transfer on your credit card account.
Thank you for speaking with [redacted], of our...

staff, regarding the specifications of the promotion. As he advised, as a courtesy, a $16.11 finance charge was previously reversed. Our review indicates additional refunds are not warranted as the system is working as designed, and in accordance with the promotional offer. [redacted], while we understand that you disagree, we are confident the appropriate decision has been made.
Thank you for the opportunity to reply.
Sincerely,
[redacted]
Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC.

December 27, 2017
Mr. [redacted]
Complaint ID #: [redacted]  
Dear Mr. [redacted]:
I am responding to your submission regarding your credit card account with the USAA Federal Savings Bank.
We have previously explained the reason for the payment holds on your credit card account....


USAA reserves the right to withhold credit availability until we confirm receipt of good funds, which is stated in the USAA Credit Card Agreement Terms and Conditions (the Agreement). The Agreement accompanies the credit card when an account is established and is viewable on usaa.com. As such, our business decision stands.
Mr. [redacted], I understand this is not the outcome you expected; however, your account has been handled appropriately.
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.

Mr. [redacted]. [redacted] Complaint ID #: [redacted] Dear Mr. [redacted]: I am responding to your submission about the promotional offer for your USAA Federal Savings Bank credit card account. Thank you for taking the time to speak with [redacted], of our staff, about your account. As she explained...

over the telephone and via email, the promotional offer has been applied to your credit card account. In addition, on May 10, 2016, a credit posted to your account for the expedited fee that was initially assessed to deliver your card. However, we respectfully decline your request for additional compensation. If you have additional questions, Ms. [redacted] remains available to assist you and can be reached at [redacted] or [redacted] We appreciate you allowing us to look into this matter and to reply. Sincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC.

February 9, 2016 Mr. [redacted] Complaint ID #: [redacted] Dear Mr. [redacted]: I am responding to your submission regarding the reporting of your USAA American Express® credit card on your TransUnion® credit report. Please know that your feedback has been shared with the appropriate parties....

Thank you for speaking with [redacted], of our staff, about your concerns. As Mr. [redacted] advised, USAA Federal Savings Bank has requested that TransUnion update your account information to reflect the correct balance and payment details. We ask that you allow up to 45 days for this update to be reflected. Should you have any further questions, Mr. [redacted] remains available to assist you. We apologize for any frustration or inconvenience you have experienced, and we appreciate the opportunity to review this matter and to respond to you. Sincerely, [redacted]

December 22, 2015 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 experienced. I want to assure you that your concerns and your account...

activity were thoroughly reviewed. Our records confirm that you cashed the check and used the funds that were erroneously sent to you. Therefore, you remain responsible for the balance on your account. The 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 requested. If 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 you. Sincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC. This is an attempt to collect a consumer debt. Any information obtained may be used for that purpose.