USAA Credit Card Services

January 8, 2018 Technical Sergeant *** ***, USAF (Ret.)Complaint ID #: *** Dear Sergeant ***: I am responding to your submission regarding your debit card dispute. On October 6, 2017, you submitted a dispute, contending you purchased a service for your daughter and
had not received it and/or it was not as described. We issued a provisional credit pending our investigation. Subsequently, the merchant provided valid documents showing terms and conditions of cancellation were properly disclosed at the time of sale. We notified you of the findings, and we reversed the credit. Thank you for speaking with *** ***, of our staff, who confirmed the findingsIf you have additional questions, Ms*** remains available to assist you. We appreciate you allowing us to reply to you. Sincerely, *** ***

August 10,
2016Petty Officer *** ***, USNRComplaint ID #: *** Dear Petty Officer ***: I am responding to your second submission regarding your MasterCard with USAA Federal Savings Bank Our records show that you spoke with *** ***, of our staff, on July 29, As he explained, USAA did not sell the charged off debt, but assigned it to Northland Group, who could agree to a settlement on USAA’s behalf. USAA acknowledges Northland Group’s settlement agreement with you and accepts it I hope that your conversation with Mr*** reassured you that your satisfaction is important to us. If you have additional questions, Mr*** 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

Complaint: ***
I am rejecting this response because: I was decline because USAA could not verify who I was, therefore it should be deleted, except for the last inquiry.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meHowever, these transactions are what I made and this is what I need to be reviewed in order for this complaint to be resolved.
Regards,
*** ***

July 8,
Major *** ** *** II, USAF (Ret.)
Complaint ID #: ***
Dear Major ***:
I am responding to your third submission regarding the promotional offer on your credit card account with the USAA Federal Savings Bank
As per our conversation of July 6, 2016, we will respond to the Consumer Financial Protection Bureau in detail
Thank you for another opportunity to respond
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: The USAA rep who contacted me did not offer me an acceptable solution, namely returning me the that was basically stolen from meAll she did was regurgitate the same company line that I received from reps at the lower levelsThe bottom line remains that one of there own reps walked me through the contract process knowing full well that the first payment was not supposed to begin until March I reiterated that point throughout the process and was assured that would be the caseI would still like the first payment refunded to me since the early withdrawal caused a significant financial hardship
Regards,
*** ***

Complaint: ***
I am rejecting this response because:I tried to call and the automated system never asks for extension norbdid the guy leave a voicemail
Regards,
Thomas ***

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,
*** ***

March 26,
Mr*** ***
Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding your secured credit card account
Our records reflect that you called on December 12, 2017, to request to close your account and that we advised the account closure
may affect your creditThank you for speaking with Irma ***, of our staff, about this matterIf 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 FDICOther bank products are issued and serviced by USAA Federal Savings Bank

July 28, Mr*** *** Complaint ID #: *** Dear Mr***: I am responding to your submission regarding your credit card account with the USAA Federal Savings Bank. We regret any frustration this matter may have caused you Thank you for speaking
with Vanessa Hernandez, of our staff, who confirmed you received the email with the promotional offer, and that the link on the email directed you to the wrong application. A request has been submitted to add the offer to your account, and you will receive a letter once this has been completed. 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

Complaint: ***I am rejecting this response because: Incomplete This rejection is due to the following factors First, the complaint through CFPB was originally misrouted, I think due to CFPB's search engine, and it went to Bank of America by mistake BOA contacted me about this, so I contacted CFPB, and I understand the issue has been rerouted to USAA by CFPB and possibly by BOA as well Pending USAA may have received the complaint twice, that is, as forwarded by BOA, plus retransmitted from CFPB The delay is not USAA's fault; however, the resolution remains incomplete. Second, I did finally receive a $credit to my AMEX card at USAA However, this was after numerous calls and escalation through executive resolution, then to to the CEO level However, this effort seems unreasonable for a small $correction The first customer service rep, who acknowledged USAA's error, should have been able to correct the error on the spot Third, USAA's error was a small dollar amount, but raises questions of disclosure compliance and why this problem occurred in the first place Why did it take weeks to credit my account? Why did USAA state that yet another days would be required to research how this happened? I understand USAA said that my account was the only one shortchanged, but without further explanation as to why, and while at the same time stating another days was needed to research.Fourth, what action has USAA taken to ensure this error will not happen again on my account, or any others?.USAA needs to reply to me in writing, hard copy, about this, and in detail I had requested such early on, and USAA customer service Regards,*** ***

August 20, *** *** ***
*** ** ** *** Dear Mrs***: I am responding to your submission regarding your secured credit card with the USAA Federal Savings BankI regret any confusion that was caused by the letter you received requesting a paymentThank you for speaking with
*** ***, of our staff, about your concernsI understand Mr*** reopened your credit card and explained our process following your July 13, 2015, paymentShould you have any further questions, Mr*** remains available, and he can be reached at *** *** *** ** *** *** *** ***
We appreciate the opportunity to research this matter and to respond to youSincerely, *** *** 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: They can't respond with a good answer as to why they reduced a customers credit limit by over " 96% ". A customer that always paid on time, never minimum payments,paid balance off early and with a credit score of over ! This will reduce my credit scores because it looks like I am a bad credit riskI have already received credit alerts from *** and *** where I have credit monitoring accountsI must not be alone there are 1,USAA complaint on your Revdex.com web siteHow many more signs of bias do you need !/s/
*** ***

December 7, Mr*** ** *** Complaint ID #: *** Dear Mr***: I am responding to your submission regarding the rate you were offered for a refinance of your automobile loan. I regret any frustration this has caused Thank you for speaking with
*** ***, of our staff, who explained that the refinance rate that you were offered is non-negotiable. The percent annual percentage rate (APR) is the best rate available based on your credit. Unfortunately, the percent APR offered for the purchase of a new vehicle cannot be applied to your refinance. If you have any additional questions, Ms*** remains available to assist you We appreciate the opportunity to reply to you. Sincerely, *** ***

August 10,
Mr*** *** Complaint ID #: ***
Dear Mr***:
I am responding to your submission regarding your credit card with the *** Federal Savings Bank (the Bank)
We reviewed this matter in detail and confirmed that there were no Bank errorsAll of the payment due
dates were updated based on your verbal instructions and agreement as captured in the call recordingsIt is important to note that finance charges and interest have been accurately assessed to your accountsHowever, as a courtesy, two $late fees have been waivedAs *** *** of our staff explained, we are unable to honor further changes to the payment due dates
Mr***, please know that our core values of service, loyalty, honesty, and integrity are at the center of everything we doIf you have additional questions, Ms*** remains available to assist you and can be reached at (***) ***-*** (***), or (***) ***-***, Extension ***
We appreciate you allowing us to reply to you
Sincerely,
*** ** ***
Credit cards are issued by *** Savings Bank and serviced by *** Federal Savings Bank, both Member FDIC

November 25, 2015Mr*** ***Complaint ID #: ***Dear Mr***:I am responding to your submission regarding access to your credit card account.When USAA’s core values of service, loyalty, honesty, and integrity are compromised, USAA exercises the right to discontinue doing business with a
member, which includes restricting website access and, to the extent allowed by law, closing their USAA accounts In accordance with the USAA Credit Card Agreement and the FSB’s Depository Agreement and Disclosures, the FSB may close or suspend an account at any time without prior noticeI regret we will be unable to honor your request to remove this restriction or extend new products or services to you. Please know you remain responsible for the balances in your credit card accounts. Thank you for 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

June 26,
Ms*** ** ** *** Complaint ID #: ***
Dear Ms** ***:
I am responding to your second submission regarding your credit card payments, and I regret any inconvenience this situation may have caused you
Unfortunately, *** ***, of our staff, was unable to reach you by phone to address your concernsNonetheless, she completed an additional review and corrected your account, reducing the minimum paymentIf you wish to discuss the 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 FDIC

April 10, Mrs*** ** *** Complaint ID #: *** Dear MrsPerdue: I am responding to your submission regarding the balance transfer fees associated with your USAA Savings Bank credit card account. *** ***, of our staff, was unable to reach
you to discuss this matter and offer you a potential alternative to address your concerns regarding the minimum payment. Mr*** completed a review of your account and confirmed balance transfer fees totaling $were refunded as a courtesy. The $late fee assessed on April 2, 2017, was also waived as a courtesyPlease contact Mr*** for further assistance USAA acts in accordance with applicable banking regulations and with our core values of service, loyalty, honesty, and integrity, and the Credit Card Terms and Conditions available on usaa.com disclose the minimum payment details. We regret any frustration or inconvenience you may have experienced, and 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

Complaint: ***
I am rejecting this response because:I have supplied the requested information not only through this Revdex.com site but to USAA as wellThere is more than one way to get my point across and I am certainly capable of doing thatIn closing, I thank the Revdex.com for their assistance in this matter but I no longer require your help
Regards,
*** ***

Complaint: ***
I am rejecting this response because:I returned Mr *** phone call twice with no success I would like the other $Cd in a secured American Express and a $in a secured Visa If I can't get that I would like my $returned I already have $4,000+ in unsecured mastercards I really don't need them to rebuild my credit plus I found out that usaa doesn't convert the secured cards over to unsecured cards when your credit improves I had bad credit because of a nasty divorce I have a house that is paid off and make $80,000+ ayear it is just a matter of time before my credit score improves
Regards,
*** ***