USAA Credit Card Services

June 16, 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 requestingHowever, 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] ***

December 27, 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 BankI am sorry that the ten percent bonus earnings were not added to your credit card account as agreedWe 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 doAs such, we have confirmed that the bonus earnings were added to your credit card account on December 19, Thank you for the opportunity to respond to youBest 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: [redacted] has not made any attempt to contact me by phone or mail! Also called Usaaon 11-29-asked to speak to her and was told she was not available! And she does not work in credit card deptSince usaais not willing to respond or cooperate I will take this problem to the next level and beyond! It will be settled one way or another! Regards, [redacted]

Complaint: [redacted] I am rejecting this response because:I paid $for the privilege to use a convenience check interest free until January 31, However, I was charged interest $of the interest was refunded, but $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 $to use In order to resolve the complaint, I am asking for a refund of $ I was offered $by telephone from a company representative a day or two ago, but I told the representative that that wasn't enough compensation Regards, *** [redacted]

December 26, 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 difficultiesAs such, USAA strives to balance the needs of our membership as a whole while being sensitive to members’ individual situationsIn so doing, multiple letters regarding the delinquency status of the account were sent to your address of recordAdditionally, 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 accountAs the account is being reported accurately to the consumer reporting agencies, we must respectfully decline your request to amend the adverse reportingIf 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

January 20, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding the balance transfer on your Secured Platinum Visa® with the USAA Savings BankI regret that you had to contact us more than once about this matter Thank you for speaking with [redacted] ***, of our staff, who discussed the outcome of our reviewAs she confirmed, the $balance transfer was credited to your account on January 17, As a courtesy, finance charges assessed to your credit card account for the last two months have been reversedIf you have additional questions, Ms***s 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

March 14, [redacted] I am responding to your submission regarding a disputed charge to your USAA Federal Savings Bank credit card accountOur records confirm that you filed an additional inquiry with the Consumer Financial Protection Bureau (CFPB)We will provide a respond to the CFPB accordinglyThank you for the opportunity to replySincerely, [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 In fact, I am very pleased with the outcome and appreciate your assistance with resolving this matter Regards, [redacted] ***

December 2, 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, [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

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

February 17, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding your credit card account with the USAA Savings BankThank you for speaking with [redacted] , of our staff, who confirmed we issued you a temporary credit for the transaction We are awaiting a response from the merchant who has days to respond 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

Complaint: [redacted] I am rejecting this response because:Your statement is completely untrue[redacted] e-mailed me through the USAA app with an apology on Friday, March 2nd for not getting back to me with a response from the bank, and I responded that evening asking why she was unable to communicateI received no response through her preferred communications channelInstead, she called me late on Monday morning (5th) with a request to call her, which I did on Tuesday (6th) but she was out of the officeYou now have reported a statement to the Revdex.com on Wednesday, March 7thMy previous complaints about wrongful withholding of funds and the more & more obvious customer services issues complaints make it impossible to accept your blanket statements that you don’t do anything wrongThis correspondence is the most consistent of anything that USAA has to offer in the way of communicationIt certainly appears this way it’s because this is a publicity registered complaint since internal complaints are ignored or misalignedI’m adding falsified reporting to my complaint against USAA Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: The only way to get anyone to actually "review" your file from this business is to have to file a complaint with a third partyWhen I spoke with [redacted] she explained that the "tool" that is offered as a courtesyI am very well aware how tools work nor was I under any impression that was pulling my credit for the credit cardHowever, again it is very misleading to provide a "tool" that shows a credit score and recommendations, then solicit offers to clientsOne would believe based on both of these things that some sort of soft inquiry would have been done to prompt this offer to go outThen to find out Equifax was pulled to review an application and the score and information is different than the "tool" you provide, complete bait and switchWhen [redacted] went to go over my credit file with me over the phone she asked me questions as if she were brand new to credit and most certainly not privy to underwritingMy denial reasons were bankruptcy which I have re-established well since with no slow payments or derogatory since then and LOC and utilizationI attempted to discuss this but was shut down in every aspect an did not find any representative helpful, not even "hey thanks for always paying all of your auto policy payments on time and we see that you are a good client, with banking relationship, we will as a courtesy counter approve you with a small $to $to let you prove yourself" NOPENothingInsultingIt feels very cold :We will remove you from future mailings and you can call [redacted] anytime.- Thanks for all of thatBut you didn't help me with balance transfers and you dinged my credit score after getting my hopes up that I was getting a credit card offer, because that is what it was! I only applied after getting the OFFERI never apply for creditI applied after using your tool to justify if my credit would be valid to meet your requirementsGuess notEquifax was DRASICALLY differentYou should check the validity of your tools Bait and switch to the full extentOFFERED CARD after using a invalid TOOL that you OFFER and DENIED card! Then TERRIBLE service Regards, [redacted]

February 9, 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 reportPlease know that your feedback has been shared with the appropriate parties Thank you for speaking with [redacted] , of our staff, about your concernsAs Mr [redacted] advised, USAA Federal Savings Bank has requested that TransUnion update your account information to reflect the correct balance and payment detailsWe ask that you allow up to days for this update to be reflectedShould you have any further questions, Mr [redacted] remains available to assist youWe apologize for any frustration or inconvenience you have experienced, and we appreciate the opportunity to review this matter and to respond to youSincerely, [redacted]

March 1, Mrs [redacted] Complaint ID #: [redacted] Dear Mrs [redacted] I am responding to your submission regarding the handling of your credit card disputeI 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 cardThank you for speaking with Leigh ***, of our staff, who confirmed that a permanent credit of $was posted to your USAA credit card accountIf 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

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 accountThank you for taking the time to speak with [redacted] , of our staff, about your accountAs she explained over the telephone and via email, the promotional offer has been applied to your credit card accountIn addition, on May 10, 2016, a credit posted to your account for the expedited fee that was initially assessed to deliver your cardHowever, we respectfully decline your request for additional compensationIf 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 replySincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

February 8, Captain [redacted] ***, ARNG Complaint ID #: [redacted] Dear Captain ***: I am responding to your submission regarding the interest rate on your credit cardWe regret any frustration this may have caused you Thank you for speaking with [redacted] of our staff As she advised, the account is currently at its best rate based on your credit profile at the time of the applicationAdditionally, in order to potentially obtain a lower rated, a new application would be requiredI hope you found your conversation with MsHernandez helpfulShould there be additional questions, she 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

February 10, Mr [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding your credit card disputes We regret any frustration you experienced, and we appreciate you peaking with [redacted] , of our staff, about this matterMs [redacted] confirmed that the appropriate credits were applied to your account and agreed to send you additional information about the disputed transactionsMs [redacted] remains available to assist you if you have additional questions 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

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 applicationKrystal 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 concernsNonetheless, the USB submitted a request to the credit reporting agencies to remove the credit card from your credit reportWe ask that you allow 30-days for the information to be updatedIf 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