Credit card -- Problem with a purchase shown on your statement -- Complaint #11106998
Complaint Overview
Complaint ID: 11106998
Company: United Services Automobile Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Florida
ZIP Code: 33556
Date Received: 2024-12-10T12:00:00-05:00
Date Sent to Company: 2024-12-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/year>, I booked a reservation through XXXX for a rental car in the XXXX for XXXX XXXX XXXX using my USAA credit card. A hold was placed on the card for the full amount of the rental ; however on XX/XX/XXXX, I received a voicemail from the car rental place that they no longer had a vehicle available to fill our reservation and would be cancelling it on their end. Since payment was to be made at pickup, they did not yet have the funds to be able to provide a refund, but assured me that they would be cancelling the reservation and would not charge us since we no longer authorize the transaction since they could not fulfill their end of the contract. I contacted XXXX for a refund and was told that there was an issue with their system and could not provide a refund without a manager submitting it. I was assured that I would receive a refund within 72 hours. I filed a dispute with USAA since the company was not providing what was contracted for in the transaction. We no longer authorized that payment to be made. USAA claims to have investigated the transaction and found it to not be fraudulent. I do not understand how a company can enter a contract, take our money, not fulfill their end of the terms, still charge our card, and somehow not be a fraudulent charge.
Frequently Asked Questions
What is Complaint #11106998 about?
Complaint #11106998 was filed against United Services Automobile Association regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2024-12-10T12:00:00-05:00.
How did United Services Automobile Association respond to this complaint?
The company responded with: "Closed with explanation". 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.