USAA Credit Card Services

Complaint: [redacted]
I am rejecting this response because: I did not request terms and conditions I requested information on how to redeem the rewards points.  It would appear USAA has a system whereby they are luring people to collect reward points they then cant redeem for anything regardless of terms and conditions
Regards,
[redacted]

October 23, 2017 Ms. [redacted]Complaint ID #: [redacted] Dear Ms. [redacted]: I am responding to your second submission regarding your credit card accounts with the USAA Savings Bank. Thank you for speaking with [redacted], of our staff, who confirmed that late fees were assessed appropriately to both accounts after the minimum payment due was not received by the payment due date.  During your conversation, you advised Mr. [redacted] that you were experiencing financial hardship, and he recommended that you speak with our Member Assistance Team to discuss possible payment programs.  Mr. [redacted] remains available to assist you should you have additional questions. We appreciate another opportunity to 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: After speaking with [redacted], he did not give a reason why those payments were rejected. He did say he couldn't find an error, but most of my information has been removed in the system according to [redacted] and every representative I've spoken with. I want an explaination for the $313 payment USAA took from my bank account on 10/5/16. Why were they able to take a successful amount from the same account that I attempted to pay from twice, unsuccessfully, a few days prior? If there was a problem with my bank account, as [redacted] assumed, USAA would not have been able to take that $313 from that account. The only difference was that I tried paying online versus USAA taking said money. I also do not recall authorizing USAA to take $313. For months I tried to have USAA assist me in payments and no one was able to help me until they were desperate to close my account. Then suddenly, in small print in September's statement they announce that $313 would be taken in the next month on 10/5/16. And that was to this date, the only payment that succeeded. Please ask [redacted] to explain that.
Regards,
[redacted]

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]

May 24, 2016 Sergeant [redacted], ARNG (Ret.) Complaint ID #: [redacted] Dear Sergeant Bonds: I am responding to your second submission regarding your USAA secured credit card. Albert [redacted], of our staff, was unable to reach you by telephone to discuss the matter further. Nonetheless, your request for one American Express secured credit card and one Visa secured credit card was granted. If you have additional questions, Mr. [redacted] can be reached at [redacted] or [redacted] We appreciate you allowing us to reply to you again. Sincerely, [redacted]

March 14, 2016. [redacted]
[redacted] I am responding to your submission regarding a disputed charge to your USAA Federal Savings Bank credit card account. Our records confirm that you filed an additional inquiry with the Consumer Financial Protection Bureau...

(CFPB). We will provide a respond to the CFPB accordingly. Thank you for the opportunity to reply. Sincerely, [redacted]

December 2, 2016   Mr. [redacted] Complaint ID #: [redacted]   Dear Mr. [redacted]:   I am responding to your second submission regarding fraudulent charges on your USAA Savings Bank credit card.   We responded to your complaint on November 18, 2016.  [redacted], of our staff, was again unsuccessful in her attempts to contact you; however, she remains available to you, to review your statements and show you the itemized transactions.    We appreciate the opportunity to review your concerns again; however, we consider this matter closed.   Sincerely,   [redacted]   Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC.

December 26, 2017
Mr. [redacted] Complaint ID #: [redacted]
Dear Mr. [redacted]:
I am responding to your submission regarding payments on your credit card, and I regret the frustration this matter caused you.
We understand each person has a unique financial situation, and certain...

events beyond one’s control may cause difficulties. As such, USAA strives to balance the needs of our membership as a whole while being sensitive to members’ individual situations. In so doing, multiple letters regarding the delinquency status of the account were sent to your address of record. Additionally, our records indicate your account was not enrolled in automatic payments, and there were no recorded unsuccessful payment attempts.
[redacted], of our staff, has been unsuccessful in her attempts to speak with you regarding your account. As the account is being reported accurately to the consumer reporting agencies, we must respectfully decline your request to amend the adverse reporting. If you have additional questions, Ms. [redacted] remains available to assist you.
Mr. [redacted], it is important to note that our core values of service, loyalty, honesty, and integrity are at the center of everything we do, and we strongly disagree with your allegations of impropriety.
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 24, 2017
Mr. [redacted] Complaint ID #: [redacted]
Dear Mr. [redacted]:
I am responding to your submission regarding transactions on your credit card. I regret the frustration this situation caused you, and your feedback is appreciated as we are continually seeking ways to improve the way we...

do business
[redacted], of our staff, completed a thorough review of your account; however, she was unable to contact you by phone to address your concerns. Our records show we sent letters via online on February 26, 2017, and March 18, 2017, detailing which charges were under review and can be found in your documents on usaa.com. Additionally, the charge from [redacted] was added to the fraud investigation on March 22, 2017, and a credit adjustment for the charge will posted to your account. If you have additional questions or require further assistance, 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.

June 28, 2016 Mr. [redacted] Complaint ID #: [redacted] Dear Mr. [redacted]: I am responding to your second submission regarding the credit card you hold with the USAA Federal Savings Bank (FSB). Thank you for speaking with [redacted], of our FSB staff, who reviewed your account, and explained the reasons why charges were declined. I hope that the information he provided was helpful. We appreciate the opportunity to review your concerns again. Sincerely, [redacted]
Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC.

Mrs. [redacted]
Complaint ID #: [redacted]
Dear Mrs. [redacted]
I am responding to your submission regarding the credit card account reflecting on your credit report.
A detailed review of your account revealed that on July 19, 2015, [redacted] established an individual College Start...

Visa and added you as an authorized user at the time of application. Krystal acknowledged, when she opened the account, that you authorized to be added as a permissive user and were aware that the USB would report the account activity to the credit reporting agencies.
[redacted], of our staff, was unable to reach you by phone to address you concerns. Nonetheless, the USB submitted a request to the credit reporting agencies to remove the credit card from your credit report. We ask that you allow 30-45 days for the information to be updated. If you have additional 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.

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

December 21, 2017   Ms. [redacted] Complaint ID #: [redacted]   Dear Ms. [redacted]   I am responding to your submission regarding your service experiences related to your insurance inquiry and your credit card account.    Thank you for speaking with members of our staff about your concerns.  After conducting reviews of this matter, we gathered additional information from you and offered to provide you with a renters insurance policy quote, which you declined.  In addition, we confirmed that you processed a credit card payment.    I hope your conversations with us reassured you that your satisfaction is important to us.  Your comments were shared with the appropriate areas to prevent future recurrences.  If you have additional questions, [redacted] and [redacted], of our staff, 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.

Complaint: [redacted]
I am rejecting this response because:  the company didn’t work with me towards a compromise.
Regards,
[redacted]

July 18, 2017 Sergeant [redacted], USA (Ret.)Complaint ID #: [redacted] Dear Sergeant [redacted]: I am responding to your submission regarding your credit card with the USAA Federal Savings Bank.  I apologize for any frustration or inconvenience you may have experienced....

 Thank you for speaking with [redacted], of our staff, who confirmed both your credit card and your account access were reinstated.  Since the interest rate is the same for your purchases and cash advance, Ms. [redacted] requested to have the cash advance balance reposted under your purchase balance, which was completed on July 17, 2017.  She also verified that a request was submitted to remove the adverse credit reporting.     Sergeant [redacted], I hope that your conversation with Ms. [redacted] reassured you that your satisfaction is important to us.  If you have additional 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.

Complaint: [redacted]
I am rejecting this response because:My complaint was the lack of response by the dispute department, to tens of requests to do so by the customer service reps, as noted on my account. The dispute department ignored my inquiry and closed out the case, and only reopened it upon my filing the instant Revdex.com complaint. My complaint regarding the apathy of the claims department is legitimate, and has not been addressed by USAA, neither in its original response or its current response. USAA deserves an F rating
Regards,
[redacted]

December 27, 2016
Ms. [redacted] Complaint ID #: [redacted]
Dear Ms. [redacted]
I am responding to your second submission regarding your Visa® credit card account with the USAA Savings Bank. I am sorry that the ten percent bonus earnings were not added to your credit card account as agreed. We regret you had to contact us more than once about this matter.
When we discover that matters have not been handled to a member’s satisfaction, we appreciate the opportunity to review our processes and to resolve the situation, as you allowed us to do. As such, we have confirmed that the bonus earnings were added to your credit card account on December 19, 2016.
Thank you for the opportunity to respond to you. Best wishes for a safe and happy holiday season.
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 emailed [redacted] a few days ago, I appreciate USAA crediting the amount and removing the late fees, however my card is still stating that I have a past due balance of over $1200.  I asked [redacted] if he could correct the issues since I was making my monthly payments that were given to me form the payment arrangements, but he said the past due was correct and is owed. That makes no sense that you would credit the interest for the past four months but I still owe four months worth of minimum payments in May. If I had that kind of money I wouldn't have needed the help anyway or a payment plan. Its like all 4 months of  payments were all just deferred till May.
Regards,
[redacted]

February 10, 2016
[redacted]
Complaint ID #: [redacted]
Dear [redacted]:
I am responding to your submission about the reporting of your loan and credit card with the USAA Federal Savings Bank.
Our records confirm that you filed inquiries with the Consumer...

Financial Protection Bureau (CFPB) and the Office of the Comptroller of the Currency (OCC).  We will respond to the CFPB and OCC accordingly.
Thank you for the opportunity to reply.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:I paid $75 for the privilege to use a convenience check interest free until January 31, 2019.  However, I was charged interest.  $16.11 of the interest was refunded, but $2.78 was not.  The last time I called the business, I was informed that the remainder of the interest wasn't refundable, and that I would have to pay the account in full to stop receiving interest charges.  Thus, at great inconvenience to me, I paid off the account in full, and I was prevented from using the privilege that I paid $75.00 to use.  In order to resolve the complaint, I am asking for a refund of $77.78.  I was offered $2.78 by telephone from a company representative a day or two ago, but I told the representative that that wasn't enough compensation. 
Regards,
[redacted]