USAA Credit Card Services

June 30, 2015 [redacted]
 Dear [redacted]: I am responding to your submission regarding your credit card accounts with USAA Federal Savings Bank (FSB). According to our research, you used your external account ending in [redacted] to...

establish two separate payments using two separate routing numbers.  The routing number for the account labeled “NW” was incorrect, which caused the payments to be returned.  Albert [redacted], of our staff, was unsuccessful in his attempts to contact you to discuss this matter.  Mr. [redacted] removed the invalid account to prevent any further returned payments.  As a courtesy, he also refunded a total of $60.00 for two returned payment fees you incurred.  If you have any questions, Mr. [redacted] remains available to assist you and can be contacted 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.

August 22, 2016 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 $36.31 posted to your account on August 15, 2016.  We do not show that any collection attempts were made after this date.  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.

March 1, 2017
Mrs. [redacted] Complaint ID #: [redacted]
Dear Mrs. [redacted]
I am responding to your submission regarding the handling of your credit card dispute. I regret the frustration and inconvenience this situation caused you.
Upon further review, we determined that the dispute was to be found in your favor as our records show we received proof you purchased new tickets with your external card. Thank you for speaking with Leigh [redacted], of our staff, who confirmed that a permanent credit of $607.18 was posted to your USAA credit card account. 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.

June 19, 2017
Ms. [redacted] Complaint ID #: [redacted]
Dear Ms. [redacted]:
I am responding to your submission regarding closed credit card account. I regret any inconvenience this situation may have caused you.
Unfortunately, [redacted], of our staff, was unable to contact you by...

phone to address your concerns. Nonetheless, he completed a thorough review of your account and confirmed that the return fee was refunded and a $0.24 credit was posted to the account, leaving a $0.00 balance. If you have additional questions, Mr. [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 16, 2017
Ms. [redacted] Complaint ID #: [redacted] 
Dear Ms. [redacted]:
I am responding to your second submission regarding your credit card payments.
Regrettably, the USAA Savings Bank is unable to provide the one month payment deferment you are requesting. However, if you decide to apply for payment assistance in the future, the Member Assistance Team will readily assist you.
We appreciate the opportunity to review your concerns again; however, we consider this matter closed.
Sincerely,
[redacted]

Mr. [redacted]
Complaint ID #: [redacted]
Dear Mr. [redacted]:
I am responding to your second submission regarding your auto loan with the USAA Federal Savings Bank.
A thorough review of your application confirmed that you did request the first payment to be withdrawn on March 11, 2016.  I apologize that this did not occur as you intended.  As [redacted], of our staff, advised you, we were able to find a resolution which would accommodate your request. However, I understand you declined the option as it would require you to submit new loan documentation.  Ms. [redacted] remains available should you decide to accept the offer.
We appreciate the opportunity to review your concerns again.
Sincerely,
[redacted]

June 5, 2015 Mrs. Tyila Cooks Complaint ID #: [redacted] Dear [redacted]: I am responding to your submission regarding the funds transfer from your checking account with USAA Federal Savings Bank (FSB). [redacted], of our staff, researched your concerns and contacted Pay Pal, who confirmed that...

[redacted] did not receive the funds. As a courtesy, [redacted] credited your FSB checking account $400.00 on June 3, 2015. We regret any frustration and inconvenience you or [redacted] experienced as a result of this matter. Should you have any additional questions, [redacted] remains available to assist you. Thank you for allowing us to reply to you. Sincerely, [redacted]

Complaint: [redacted]
I am rejecting this response because: My points still haven't posted. They were to be posted this week and they have not been posted.
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.Sir or Ma’am,  I need to amend my complaint with USAA as shown on the Revdex.com site.  After the complaint was filed, USAA reached out to me and we have successfully worked through the problem.  In fact USAA has changed the period to cancel credit cards based on this complaint.  I would definitely like to add this information to the complaint and resolution.Sincerely,[redacted]

July 13, 2017 Ms. [redacted]Complaint ID #: [redacted] Dear Ms. [redacted]: I am responding to your submission regarding your USAA Signature Visa® credit card account. Our records confirm that you filed an inquiry with the Consumer Financial Protection Bureau (CFPB).  We will...

respond to the CFPB accordingly. 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.

Complaint: [redacted]
I am rejecting this response because:
I was never contacted concerning this complaint.  I was only contacted by the collections department regarding the $36.31 due on August 12, 2016 which I agreed to pay in protest.  I also indicated I will never do business with USAA again and to not contact me again for anything!  I do not like to be "scammed".  Read the other hundreds of complaints with this organization.  They have been taking advantage of military veterans like me.  They are dishonest.
Regards,
[redacted]

December 14, 2016   Mr. [redacted] Complaint ID #: [redacted]   Dear Mr. [redacted]:   I am responding to your submission regarding your credit card with the USAA Savings Bank.   Our records confirm that you filed an inquiry with the Consumer Financial Protection...

Bureau (CFPB). We will respond to the CFPB accordingly.   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 1, 2017   Mr. [redacted] Complaint ID #: [redacted]   Dear Mr. [redacted]:   I am responding to your submission regarding your credit card dispute.   Our records confirm that you filed an inquiry with the Consumer Financial Protection Bureau (CFPB).  We will...

respond to the CFPB accordingly.   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 Mr FDIC.

May 3, 2017
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 association. In order to achieve this balance, USAA employs risk management practices. In 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 telephone. Mr. [redacted] thoroughly reviewed your credit card account and confirmed that the application of the hold was appropriate. While 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 Agreement. If 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.

I do not accept there response. I made a payment on 7-31-17 . That payment was for 8-17 like I have many times before on the end of he month for my payment. Just because my card was over drawn they require a second payment. I'm not doing that. Then the started adding fees ect. My cell is...

[redacted] if they need to reach me cause the only thing they have done us Emil saying they're looking it to this nothing else

Complaint: [redacted]
I am rejecting this response because:  I paid the $75 for the convenience of using a convenience of a counter check that was to be interest free until January 31, 2019.  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 $75 for.  That is why I am requesting a refund of $75.  If USAA wants to be fair and impartial, they need to refund the $75 for the convenience that I paid for, but did not receive.
Regards,
[redacted]

March 8, 2018 Mr. [redacted]Complaint ID #: [redacted] Dear Mr[redacted]: I am responding to your submission regarding a credit card dispute that you filed in 2017 for the purchase of a vehicle.  I regret any frustration this matter may have caused you.  [redacted],...

of our staff, was unable to reach you by phone.  Nonetheless, she determined that the merchant was not made aware of an issue with the vehicle, and you are still in possession of the vehicle.  Furthermore, a contract was signed and the vehicle was purchased “as is,” and all sales are final.  Ms. [redacted] confirmed that you will remain liable for the transaction.  If you have any additional questions, Ms. [redacted] remains available to assist you.        We appreciate the opportunity to reply to you.   Sincerely, [redacted]

Master Sergeant [redacted], ANG
Complaint ID #: [redacted]
Dear Sergeant [redacted]:
I am responding to your submission regarding your request for military benefits under the Servicemember’s Civil Relief Act (SCRA).
Thank you for speaking with [redacted], of our staff, about...

your concerns. As she explained, the USAA Federal Savings Bank is unable to grant your request for a lower interest rate on your credit card because the debt was incurred post deployment. The SCRA limits the interest rate that can be charged to six percent for credit card debt established prior to active duty or activation. Nonetheless, 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.

March 9, 2017
Mr. [redacted] Complaint ID #: [redacted]
Dear Mr. [redacted]:
I am responding to your submission regarding your credit card billing. I regret the inconvenience and frustration this situation caused you.
Our records show there were multiple failed logon attempts on your online...

account starting in September 2016, restricting your access. In the event a member’s access to usaa.com is restricted, it may be necessary for a USAA representative to assist with gaining access to the website and resolving the issue.
Unfortunately, [redacted] of our staff, was unable to reach you by phone to address your concerns. Nonetheless, he completed a thorough review of your account and could find no evidence in our records showing an inability to make a payment while on the phone with a representative. Regardless, he refunded one late fee as a courtesy. Additionally, he confirmed that your authorized user called in once in September 2016. Please note that prior to January 21, 2017, authorized users did not have the ability to make payments and view basic account information. If you have additional questions or wish to discuss this matter, Mr. [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.

September 20, 2017   Mr. [redacted] Complaint ID #: [redacted]   Dear Mr. [redacted]:   I am responding to your submission regarding your credit card with the USAA Saving Bank, and I apologize for any frustration this matter may have caused you.   Our records confirm that you...

also filed an inquiry with the Consumer Financial Protection Bureau (CFPB).  We will respond to the CFPB accordingly.    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.