USAA Credit Card Services

Complaint: [redacted] I am rejecting this response because:Sir,First, let me say, that your record of dates is flawedThere is no way you mailed the statement on October 17, because I never received itAlso, when I called to change the address, your customer service assured me that the bill had not yet gone outHence either you or your customer service are not telling the truthEither way I feel I am not responsible for the late fees and interest charges.This has been an ongoing problem for about monthsI have already canceled your credit cardBe aware that I currently own seven houses and my truckI was in the process of changing all my insurance policies to your companyIn light of your refusal to admit responsibility and total lack of customer service, I will be moving all my insurance needs to another company.Furthermore, you spend millions of dollars in advertisement stating how great your customer service is and how much you care about the veterans who served our countryI am a disabled Viet Nam era veteran and I expected more from your companyYet for the sum of approximately $you refuse to admit your error in sending the bill to the wrong addressI realize now that all this respect of veterans is simply marketing lip serviceIn closing, I would like to state that you and your company are hypocrites.Sincerely, [redacted] Regards, [redacted]

December 21, 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

Major [redacted] II, USAF (Ret.) Complaint ID #: [redacted] Dear Major [redacted] : I am responding to your submission regarding the promotional offer on your credit card account with the USAA Federal Savings Bank (FSB)I regret any frustration or inconvenience you experienced as a result of this matter [redacted] , of our FSB staff, was unsuccessful in reaching you to discuss your concernsShe completed a thorough investigation and was unable to identify any other accounts that did not receive the promotional credit and concluded this was an isolated errorNonetheless, the $credit was applied to your credit card account on June 10, If you have additional questions, Ms [redacted] remains available to assist you and can be reached at [redacted] or [redacted] Extension ***We appreciate you 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 2, Mr [redacted] Complaint ID #: [redacted] Dear Mr***: I am responding to your submission regarding your USAA Savings Bank credit card, and I regret any frustration this situation has caused [redacted] , of our staff, was unsuccessful in her attempts to reach you by phone Nonetheless, Ms [redacted] researched your account history and issued a credit for your remaining balance of $25.08, as a courtesy 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

Complaint: [redacted] I am rejecting this response because: [redacted] said she’d be calling me back on Friday, February 23rd with the response from USAA bank. I have not received the promised callback, she discussed openly that it is at the discretion of the bank to withhold funds. I have no doubt she is not allowed by senior management to call me back.My USAA credit card payment record is perfect, all balances are paid in full every month, for over a year. Also this card does not have the ability to go over the limit, therefore should not be subject to withholding for going over the limit ($18). The most current reason stated for the most recent withholding incident was that the bank was waiting to see if other charges were incurred, at the same time declining all transactions posted after the full payment was received by them, including the $18 over the limit (supposedly not possible w/ this card), was FULLY satisfied and confirmed by [redacted] Bank. So no, this complaint is not unfounded. Much more, it proves the extremely poor customer service care and financial services systems administered by USAA, which is not acceptable for our military service members and their families. Regards, [redacted]

December 19, 2017 Ms. [redacted] Complaint ID #: [redacted] Dear Ms. ***: I am responding to your submission regarding your USAA Savings Bank credit card account. We regret any frustration this matter may have caused you. Thank you for speaking with ***... ***, of our staff, who explained that your Visa credit card ending in [redacted] was closed based on your credit information at that time. Based on changes in your credit information, you were recently approved for a new Visa credit card ending in ***. She advised that the terms and conditions are different for each credit card; therefore, we cannot add the old terms to the new account. Ms. [redacted] could not confirm that you requested to opt out of marketing. If you have any other questions, Ms. [redacted] remains available to assist you. We appreciate the opportunity to reply to you. Sincerely, [redacted]

I do not accept there responseI made a payment on 7-31-That payment was for 8-like I have many times before on the end of he month for my paymentJust because my card was over drawn they require a second paymentI'm not doing thatThen the started adding fees ectMy 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: 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]

March 8, [redacted] Complaint ID #: [redacted] Dear Mr [redacted] : I am responding to your submission regarding your credit card with the USAA Federal Savings BankThank you for speaking with [redacted] , of our staff, who explained the reason for our position and the importance of making timely paymentsThe FSB acts in accordance with all applicable banking regulations as well as with our core values of service, loyalty, honesty, and integrity, and we strongly disagree with your allegation of wrongdoingIf you have additional questions, Ms [redacted] remains available to assist youWe appreciate the opportunity to reply to youSincerely, [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 made a payment on 7-31-17 for both cards. Not only did they say I need to make another payment they started putting on Xtra fees. That was my August payment I'm not paying it twice. They have not tried calling me at all. I received an email from them saying they're looking in to my case and that it. My cell is ***-***- [redacted] if they need to reach me. Regards, [redacted] ***

June 16, Ms [redacted] [redacted] Complaint ID #: [redacted] Dear Ms***: I am responding to your second submission regarding the limit decrease on your USAA Signature Visa® credit card We responded to your complaint on June 6, While we recognize that you disagree, we feel confident that the correct decision has been madeNo new information has been presented that would warrant a change in our position 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

January 10, Mrs [redacted] Complaint ID #: [redacted] Dear Mrs [redacted] : I am responding to your submission regarding your USAA credit card We regret any frustration you experienced, and we appreciate you speaking with [redacted] , of our staff, about this matterMr [redacted] confirmed that the appropriate credit posted to your credit card on December 22nd, 2016, and he remains available to assist you if you have additional questions Thank you for your membership and 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

November 24, Ms [redacted] Complaint ID #: [redacted] Dear Ms [redacted] : I am responding to your submission regarding your secured credit card with USAA Savings Bank Our records confirm that you scheduled two payments dated September 9, 2017, and October 6, 2017, through usaa.com Both payments were returned due to insufficient funds in your external funding account Subsequently, your credit card became 60-days delinquent, and your certificate of deposit, which was used as collateral for the secured credit card, was closed and the balance of $3,was applied as a payment Your credit card was then closed with a remaining balance due of $ You scheduled two additional payments on October 20, 2017, and November 11, 2017, which were also returned due to insufficient funds There is no payment to be returned to you, and we respectfully decline to pay you for any fees you incurred with your external bank [redacted] , of our staff, was unsuccessful in his attempts to contact you; however, he remains available should you have any additional questions 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 FDICTell us why here

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 The response states incorrectly that the fee was charged appropriately - the USAA employee said I was well within the grace period for canceling my card and I should not have had the charge retained after the card was canceled In addition, I do not believe they had any legal right to charge a fee on a new account when I had not accepted the termsand conditions Regardless, USAA has removed the fees and the closed account balance is zero, which is an acceptable resolution Regards, [redacted]

October 6, Mr [redacted] ***Complaint ID #: [redacted] Dear Mr [redacted] ***: I am responding to your submission regarding your credit card account with the USAA Savings Bank I regret any frustration this matter may have caused you, and feedback about your situation has been shared with the appropriate areasThank you for speaking with [redacted] ***, of our staff, who confirmed the recent credit limit increase you received is the maximum that you would qualify for at this time 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

May 31, Mrs [redacted] Complaint ID #: [redacted] Dear Mrs***: I am responding to your submission regarding the checking account you hold with the USAA Federal Savings Bank (FSB)I regret any inconvenience this matter may have caused youPlease know that safeguarding the security of our members’ information is critical to our businessWe actively monitor account activity and take action when suspicious activity is identified as a potential riskThese processes are in place to help guard against identity theft or fraudOur records reflect that On May 12, 2016, you contacted the FSB and requested an ATM withdrawal limit increaseHowever, the subsequent ATM withdrawal triggered a review of your accountOn May 17, 2016, your account access was reinstated as no unauthorized activity was foundI am pleased to learn that Hope Gallegos, of our staff, was able to address your concerns over the phoneIf you have additional questions, she remains available to assist youWe appreciate you allowing us to reply to youSincerely, [redacted] ***

Complaint: ***
I am rejecting this response because:
Regards,
*** *** It is not allowed to call to times a day that's not acceptable your efforts to reach me was successful ? You see it wouldn't have mattered if your to calls a day where made or not, because, if you took the time to read the entire Complaint it was my first payment missed and was under days past due, the payment would have been made anywayAs far as Mr*** I left him a Message and he refused to call me backPayments have been miss applied in the past with USAA which is the reason for the closing of the credit card account by the consumer ( Me) I don't like repeated phone calls

July 8,
Mr*** ** ***
Complaint ID #: ***
Dear Mr***:
I am responding to your second submission regarding your mother’s credit card account with the USAA Federal Savings Bank
As per our conversation of July 6, 2016, we will respond in detail to the Washington State Attorney General’s Office
Thank you for the opportunity to look into this matter and reply
Sincerely,
*** ***
Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

Complaint: ***
I am rejecting this response because:
Regards,
*** ***

August 9, Mr*** *** Complaint ID #: *** Dear Mr***: I am responding to your submission regarding the delinquent notices that you are receiving for your American Express credit card account with USAA Federal Savings Bank Our records show that your
account is delinquent because of the unpaid annual fee that was billed prior to you closing your accountThe first delinquent notice was mailed on June 24, 2016, informing you that your account was past due and to protect your valuable credit by making a payment. A second notice was mailed on July 08, 2016, before the delinquency was reported to the credit bureausThe annual fee is part of the terms listed in the credit card agreement *** ***, of our staff, was unable to reach you to discuss the matter; however, she remains available to assist you if you have any questions We appreciate you allowing us to reply to you. Sincerely, *** *** Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDICTell us why here