Credit card -- Getting a credit card -- Complaint #10590148
Complaint Overview
Complaint ID: 10590148
Company: United Services Automobile Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Card opened without my consent or knowledge
State: Texas
ZIP Code: 75032
Date Received: 2024-10-26T12:00:00-05:00
Date Sent to Company: 2024-10-26T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/year> I received an automated email from USAA saying my contact information had successfully been changed. Since I did not make any changes I immediately logged into my account and realized both my mailing address and email address had been changed. I also noticed that I had been approved for a new credit card that I did not request. I immediately called USAA to report that fraud had occurred and my account information had been changed and a credit card opened without my consent. I was told they would refer my incident to the fraud department and not to cancel the credit card as that would occur during the fraud review. That same day I placed fraud alerts with the credit bureaus. From XX/XX/XXXX until XX/XX/year> I had no contact from USAA on the credit card account. Neither emails nor mail regarding the credit card were sent to me. On XX/XX/XXXX, I received an automated message stating my account was past due. I immediately called USAA to understand what happened. I was told the fraud department had concluded that no fraud occurred and my account remained open. The past due charges were related to an unpaid annual fee. USAA also confirmed they had never mailed me the credit card nor sent any email or mailed statements to me, so I would have had no way of knowing the account was still open. They also let me know that I am not able to speak with the fraud department and my only option would be to request another review through the fraud department. I was also advised to not pay the past due fee because that would signal that I took ownership of the credit card. In a 90 minute conversation I which I expressed grave concern that this past due account would be reported to the credit agencies and cause significant negative impact on my credit score, I was still given no options to resolve this opened account. Not only that, but I was told no one would reach out to me to let me know the outcome of the fraud review and it was my responsibility to continually call USAA until a determination was made by the fraud department and I would be told when I called. I learned on XX/XX/XXXX that my past due account was reported the credit bureaus and my FICO score dropped XXXX points.
Frequently Asked Questions
What is Complaint #10590148 about?
Complaint #10590148 was filed against United Services Automobile Association regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2024-10-26T12:00:00-05:00.
How did United Services Automobile Association respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against United Services Automobile Association?
Yes, visit the United Services Automobile Association company profile at readthecomplaint.com/company/united-services-automobile-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.