Credit card or prepaid card -- Fees or interest -- Complaint #6468803

Complaint Overview

Complaint ID: 6468803

Company: United Services Automobile Association

Product: Credit card or prepaid card

Sub-Product: General-purpose credit card or charge card

Issue: Fees or interest

Sub-Issue: Problem with fees

State: Oregon

ZIP Code: XXXXX

Date Received: 2023-01-21T12:00:00-05:00

Date Sent to Company: 2023-02-13T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Tags: Older American, Servicemember

Consumer Narrative

I have a credit card with USAA. I opened the account with a balance transfer and only intended to use the account to slowly pay off the balance without ever intending to use the card. After several years of payments, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX appeared on my account that I never made. The charge was refunded on XXXX XXXX XXXX but since that date I have been charged purchase interest on that transaction every month. My first call to USAA was in late XX/XX/XXXX to dispute the purchase interest. I told them I wanted a fraud investigation started and the purchase interest stopped. I was told that the only way to stop the purchase interest charges was to pay my balance in full. The account balance is several XXXX dollars. I told them that was unacceptable and ended the call. No further communcation was received from USAA. Every call to USAA requires XXXX min to as much as XXXX hours to get through and be transferred several time until you can get the right dept. On XX/XX/XXXX I called USAA and after XXXX or XXXX transfers, I was told that the member resolutions team 's computer was down and I would have to call back later. On XXXX XXXX XXXX I called and after only XXXX minutes I got someone that understood the problem but she put me on hold and when she came back her microphone was garbled, then I went back to hold music, then garbled mic and suddenly I was back at the beginning and had to explain the problem again a person that then transferred me to the " stop payment dept '' where the prompt said the wait was XXXX min or longer. I hung up. On XXXX XXXX XXXX I called and spoke to a woman that advised me a fraud claim was never filed, but she would start XXXX now. She refunded me XXXX month of purchase interest and promised me a letter would be sent to me in XXXX to 5 days stating the results of the claim. No letter was ever received. On XXXX XXXX XXXX I called and after about an hour I spoke to XXXX XXXX in member resolutions. After another XXXX min on hold, she advised me that I would have to send a letter to USAA Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She advised the letter had to all the details again. On XX/XX/XXXX I sent the letter. On XX/XX/XXXX I never received any reply but XXXX finance charges were reversed totalling {$25.00}. On XX/XX/XXXX The purchase interest charge is still being added to the acct. On XX/XX/XXXX USAA added XXXX charges totaling {$24.00} listed as " adjustment to account '' without any explanation. Further statements in XX/XX/XXXX and XX/XX/XXXX show they are still charging purchase interest. It is very apparent on my account because I don't use the card but this is probably happening to thousands of their customers without them even knowing!!!!

Frequently Asked Questions

Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

Related Pages

• United Services Automobile Association Company Profile
• Credit card or prepaid card Complaints
• Fees or interest Complaints
• Oregon Complaints
• Company Rankings
• Company Directory
• Search Complaints