USAA Credit Card Services

Complaint: ***
I am rejecting this response because: I feel as though the lingo and vocabulary in the conversation was used to manipulate meI asked a yes or no question and the answer was not as clear as it should have beenI am not a banker, I don't spend a bunch of time looking up bank vocabularyThe fact that I have been a customer for basically my entire life and have received such poor reception when a misunderstanding has occurred infuriates meI would like this bank to make their online banking easier for the laymenIf I am about to be charged almost $for not paying off a credit card I would like a stupid little notification pop up in my window as I am looking at my credit card balanceI do not receive paper statements due to respect for the environmentI have paid my credit card off like a debit card in fear that I would be tricked in this wayEither way I will be dropping this credit card and will never open another with USAA againUntil now I have spoke very highly of USAA as a bank that seemed personal and easy to use however I see that I was easily used by them.
Regards,
*** ***

September 2, 2016 Mrs*** ***Complaint ID #: *** Dear Mrs***: I am responding to your submission regarding your USAA Federal Savings Bank (FSB) American Express card. I regret any frustration or inconvenience you experienced. Thank you for
speaking with *** ***, of our staff, who confirmed that the issue causing your account to be charged interest was under remediation and would be corrected. For other members that were impacted, the corrections for their accounts will go through the remediation process. I understand that she explained that your account would be credited for the finance charges and you would be notified by mail. If you have any other questions, MsH*** remains available. 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 FDIC

Complaint: ***
I am rejecting this response because: USAA maintains that the entire digit credit card number be on the notice of payment. This is a security risk. I have had experience with a large number of credit facilities and they have all simply required the last digits of the account. USAA has failed to live up to its claims of client service
Regards,
*** ***

December 11, 2017 Lieutenant Colonel *** ** ***, USAF (Ret.)Complaint ID #: *** Dear Colonel ***: I am responding to your submission regarding the renewal fee associated with the Visa credit card accountWe regret any frustration you may have experienced. Thank you
for speaking with *** ***, of our staff, who advised you of the decision to waive the fee and associated interest. A credit balance refund check for $was mailed to your address of record on December 8, 2017, and as Ms*** discussed, your feedback was shared with the appropriate areas. 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 FDIC

July 12,
Mr*** ** *** Complaint ID #:
Dear Mr***:
I am responding to your submission regarding your credit card service experience, and I regret any frustration this situation caused you
Thank you for speaking with *** *** of our staff, who
addressed your concernsAs advised, we have sent a request to remove the credit inquiry from June 28, If you have additional questions, Ms*** remains available to assist you
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 FDIC

December 7, Mr*** ** *** Complaint ID #: *** Dear MrHazard: I am responding to your submission regarding a promotional offer that you received for a USAA Savings Bank credit card. I regret any inconvenience this has caused. *** ***,
of our staff, was unsuccessful in his attempts to contact you by phone. Nonetheless, he reviewed your account and determined that the promotional offer you received was for an American Express card and you applied for a Signature Visa card. Unfortunately, the promotional offer cannot be transferred to the Visa card. I understand this is not the outcome you were seeking; however, if you have any additional questions, Mr*** remains available to assist you We appreciate the opportunity to reply to you. Sincerely, *** *** 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 ***, and find that this resolution is satisfactory to me
Regards,
*** ***

June 16, Mr*** ** *** Complaint ID #: *** Dear Mr***: I am responding to your submission regarding the credit card you hold with the USAA Federal Savings Bank (FSB)We regret any frustration this situation may have caused*** ***, of our FSB staff, was unsuccessful in
his attempts to reach you by telephone and emailNonetheless, he thoroughly reviewed the transactions on your account and found the specific reasons why charges were declinedWe ask that you contact MrGarcia to discuss the matter furtherWe appreciate you allowing us to reply to youSincerely, *** *** Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

November 8, Lieutenant *** ** *** Complaint ID #: *** Dear Lieutenant ***: I am responding to your submission regarding your USAA American Express credit card *** ***, of our staff, was unable to reach you to discuss your concerns.
Nonetheless, she reviewed your account thoroughly and did not find any record of an automatic payment plan (APP) set-up. Furthermore, during the dates of the credit card payment delinquencies, other online transactions indicate that you did have internet access. Ms*** did not locate any previous escalations or troubleshooting requests to substantiate your claim that you have been trying to set up APP for seven years. We respectfully decline your request to update the consumer reporting agencies as the credit card is reporting accurately. If you have any additional questions, Ms*** remains available to assist you We appreciate the opportunity to reply to you. Sincerely, *** *** Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

December 7, Ms*** *** Complaint ID #: *** Dear Ms***: I am responding to your second submission regarding your secured credit card with USAA Savings Bank We responded to your complaint on November 24, We validated that you scheduled each payment through usaa.com. This requires you to confirm the payment information prior to submission. While we recognize that you disagree, we feel confident your payments were processed as you requested. No 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, *** *** Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC

March 13,
Ms*** ** *** Complaint ID #: ***
Dear Ms***:
I am responding to your submission regarding your credit card account with the USAA Savings Bank as well as your online accessI regret any frustration you recently experienced as we strive to provide quality
service to our entire membershipOur employees are expected to be courteous and informative and to handle matters in a timely mannerYour feedback is appreciated as we are continually seeking ways to improve the way we do business
Thank you for speaking with *** ***, of our staff, who explained the closure of your credit card was in accordance with the USAA Credit Card Agreement (CCA)According to the CCA, “Your Account is in Default if you fail to comply with any of the Terms of this Agreement or the terms of any other agreement with us or our affiliates… If you are in Default, we may, at our option suspend or cancel the Account,” as was indicated in the credit card closure notice we sent on December 22, Additionally, the CCA also states, “[USAA] may close or suspend an Account at any time without prior notice.”
We understand each person has a unique financial situation and that certain life events outside of his or her control may cause difficultiesIn keeping with the company’s core values and our commitment to the membership as a whole, USAA has adopted a policy that affects members who do not meet certain obligations with usTo the extent allowed by law, our business policy prohibits USAA and our affiliates from doing business with a member who has caused USAA to suffer a financial lossWhen this basic principle is compromised, we believe it is in the best interest of the association to limit access to usaa.com which was indicated in the credit card closure letterPlease note, your access will remain restricted until your charged off account is paid off or settled
Our representatives are available to process any transactions or assist in servicing your existing accountsAdditionally, we offer a limited view of your accounts on ***.com, which can supplement the account information you can get by mail or telephoneIf you have additional questions on this matter, Ms*** remains available to assist you
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 FDICOther bank products are issued and serviced by USAA Federal Savings Bank

May 20,
Mr*** ** ***
Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding fraudulent charges and fees on your credit cards with the USAA Federal Savings Bank. I apologize for the frustration you experienced as we strive to provide quality
service to our entire membership, and feedback about your situation has been shared with the appropriate areas
Jessica ***, of our staff, was unsuccessful in her attempts to reach you by telephone to address your concerns. Nonetheless, a thorough review of your account was completed, and as of May 18, 2016, all your accounts have been fully credited for the fraudulent charges as well as the accrued finance charges. If you have additional questions, Ms*** remains available to assist you
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 FDIC

July 5,
Major *** ** *** II, USAF (Ret.)
Complaint ID #: ***
Dear Major ***:
I am responding to your second submission regarding the promotional offer on your credit card account with the USAA Federal 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 respond again
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:I did return the call but received a customer service repThe issue still continues as interest continues to be billed on my credit card accountEven though the charge receiving the interest was billed to us in errorPlease contact me as no one seems to be understanding that the issue is not the time interest but the fact interest will continue to bill to the account, even though the charge has been removedAgain the charge was billed by the merchant in ERRORMerchant reversed the chargeI'm still being billed interest on the charge, even though it was removed/reversed
Regards,
*** ***

September 25,
Mr*** *** Complaint ID #* ***
Dear Mr***:
I am responding to your submission regarding your Certificate of Deposit (CD) and Secured Credit Card
Our records show on April 8, 2015, you accepted the USAA Secured Credit Card CD Security Agreement that states you may not take any withdrawals from or cancel the CD while it secures your Secured Credit Card*** ***, of our staff, completed a thorough review of your account and confirmed that as you did not perform an action to close the CD, it renewed automaticallyIf you close your Secured Credit Card, the CD will be used to pay off the balance and the amount the remains of the CD will be disbursed to youIf you have additional questions, Ms*** remains available to assist youPlease remember to use professional language when speaking with our employees
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 FDICOther bank products are issued and serviced by USAA Federal Savings Bank

June 26, *** *** ***
*** ** ** *** Dear Mr***: I am responding to your submission regarding the credit card solicitations you have received from USAAWe regret any frustration you may have experiencedThank you for speaking with *** *** of our staffAs she
advised, we have removed your information, including your address, from our mailing list to ensure that you do not receive any marketing solicitations and materials in the mailHowever, please be aware that our marketing pieces are usually scheduled and prepared in advance; therefore, you may receive additional mailings within the next four to six weeksWe appreciate the opportunity to look into this matter and reply to youSincerely, *** *** 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 ***, and find that this resolution is satisfactory to me
Regards,
*** ***

December 7, Ms*** ** *** Complaint ID #: *** Dear Ms***: I am responding to your submission regarding a duplicate payment to your USAA Savings Bank credit card. I regret any frustration this matter may have caused you Thank you for speaking
with *** ***, of our staff, who confirmed that you did schedule two payments to be made. She reviewed your account and noted that you attempted to cancel one of the payments; however, the process may not have been completed fully, and the payment was not canceled. Ms*** reversed your duplicate payment and waived the 10-day timeframe, as an attempt was made to cancel the payment. If you have any additional questions, Ms*** remains available to assist you We appreciate the opportunity to reply to you. 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:I have returned Mr***s phone calls both times he called, I have not heard back from him either time Of course, I responded to your email, when I got to the landing page from the email there were or different offers from USAA for several different credit cards, I looked through them and none of them said anything about months 0% interest, that is the reason I filed a complaint with the Revdex.com.
Regards,
*** ***

October 19, Mr*** *** *** Complaint ID #: *** Dear Mr***: I am responding to your submission regarding a credit card offer you received from USAA Savings Bank. We regret any inconvenience this may have caused you. Thank you for
speaking with *** ***, of our staff, who reviewed your account and the offer you received. She identified opportunities for improvement and feedback was submitted to the appropriate areas. Ms*** refunded the interest that was assessed on your cash advance and set a monthly reminder until August for subsequent cash advance interest charges to be waived. If you have any additional questions, Ms*** remains available to assist you We appreciate the opportunity to reply to you. Sincerely, *** *** Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC