Shideler Electric, Heating & Cooling

USAA offered me an incentive of a $Credit after I made qualifying purchases before May At the time I accepted the offer, I acknowledged that the credit would not be received for days or approximately August I made the necessary purchases and after not receiving my credit, I contacted USAAI spent about an hour for an agent to research this for me only to be told that she did not see the offer on my accountI asked her to please review my records as you can clearly see the increase in purchases just before the incentive expiration dateShe the informed me that they did indeed have that promotion going on during the time period stated but that I never “accepted” the Offer and that I would need to provide proof of acceptanceAlthough, I have not been able to locate a promotional code for this offer since it was months ago and I trusted USAA to honor what they offered me You can clearly see where the Offer was accepted with the increase in purchases made prior t

I was offered a 0% promotion rate on convenience checks and balance transfers that posted to my account within a specific time frameI understand purchases were not a part of this promotion
However, on April 8, I made a $purchase at a car dealership because I did not have a convenience check on me and did not have my debit cardOn April 10th I made a $payment to cover the purchase balance and maintain a 0% APR on the rest of the balanceI did not have a minimum payment due at the time
Per the Universal Terms and Conditions, payments are applied as follows:
How we apply PaymentsWe may apply Minimum Payments and other credits other than payments in any order we deem
appropriateAmounts paid in excess of a Minimum Payment are applied to the balance with the highest APR
Unfortunately my payment was not applied towards the purchase balance, but was applied towards the promo balance instead
After speaking with several reps, I finally spoke wit

On May 7, 2016, we received call from USAA asking if we had purchased something from Bloomingdales in San Francisco for $ We told them no and they erased the bill saying it was "fraud" Next month we noticed the account was still on our website and requested it be removed It was NOT removed, and charge was put back on our account We have made 7-phone calls to USAA, each time the call has been dropped afterr waiting 10-40min for response, and during phone call, they hung up! We also went to local USAA building twice, using camera and talking directly to service person Each time we were told they were dealing with it but would take 2-days, sometimes a week, and this last time we spoke to a *supervisor" who told us it would need to go through the system and would be cleared by August Today it is just the same, and now they are saying our payment is overdue!!

After a year of being unable to log on to the online services, and numerous calls to resolve it over a period of about months (it would be fixed for us to log in on while on the phone with the CSR and as soon as we hung up, got locked immediately again) and having to call in payments that often took multiple days, multiple calls and transfers (a good month took an hour to pay the bill) they would not talk to my wife and take a payment from her, it got behind and the card cancelled
Fine
I have PTSD and the anxiety and increasing trouble to pay the bill made it harder and harder to pay
It was inconvenient, unable to be resolved, and in the end got to the point that I could not face the endless transfers, the hang ups and the hours on the phone without affecting my mental health
Lack of response, service and even ability to pay made doing so impossible Customer service is non existent, and it's a joke you guys are for the military

This is account is not only not correct but it is also showing up twice and as a duplicate on my credit reportAlso, filed another complaint to have removedSee notes below
Incorrectly reporting a collection to major credit bureausI asked for validation and they sent me a copy of contract, which indeed had incorrect information and nothing elseI asked for proper validation including that they are allowed to collect the debt and the amount correct and statementsThe company replied that this is validation enoughThe information being reported is inaccurate and negatively affecting my credit

I have been a member since At that time I had placed overdraft credit protection on my account, because that was the only option On Dec 1, due to me moving banks, my account was overdrawnAs setup, my USAA visa credit card was chargedMy checking account was overdrawn $410.46, my credit card was charged $On Dec 4, I called USAA to find out why my card was charged so much, as I had just added it back on my checking account a few weeks ago The representative informed me that the policy now states that the card will be charged increments of $ I informed the representative I was not informed of this policy by the representative I had overdraft setup with a few weeks ago If I had known such a policy existed I would have left the account unprotected, and paid the traditional $overdraft fee, rather than an additional $out of pocketAfter over an hour on the phone with escalations, time and time again, I was informed that I should have read the depository agreeme

Negative.I I use their credit card; they send me a statement; I pay the statement immediately; they send the check back for more information (ie acct number, membership number, etc), all of which they have! They issued me my membership number, plus it's on the bottom of every statement from USAAMy account number is the credit card number, which they issuedBecause of the returned checks, USAA has cost me more than late payments

I received an email from USAA in November 2017, It said if I signed up for a credit card I would receive 0% interest until May and receive $worth of points if I completed qualifying purchases by January 31, I was approved and the first thing was they were charging me interest I phoned, sent them the email of the offer and they fixed the interest issue and said there would be no others In January I phoned asking about points and they said it would take days So I phoned in March or April and they said in May I should see my points I phoned in May and went to the rewards department, she said it wasn't their departments handling but customer service so she transferred me, billing at first we were with one lady she was researching and all of a sudden some other woman is on the call as I had been transferred without knowledge This third person was RUDE!!!! Telling us it wasn't their department and we have to talk to rewards, I explained we did, they transf

I applied for a credit card balance transfer to my USAA credit card in AugustI have called them several times they say they're working on it and nothing ever happens and they don't give me a time frame with us we played it they sent the payment to the wrong BankI have not receive that credit card credit and have also been paying interest on my USAA credit card for that balance transfer interest

I had a secured credit card provided by USAA for approximately 6months
I made a payment of paying off half the credit card balance
Approximately 1-days after, I noticed everything was reading zero on the balance and the credit limit
I received a check from USAA for 110.00$ I called and asked a representative named Ryan whyHe stated the credit card was revoked but was unable to provide with certainty why it was
I never received any mail or documents via my USAA APP or at my home address sayin there was any problems I needed to be aware of at all
I just paid half my balance and the next day or the card was revoked without any prior notice or any notification after to me at all in any way whatsoever

My checkings account with PNC bank received a duplicate charge of $50.47, once on 11/& once on 11/24, despite a cancellation for a payment scheduled for 11/(payment was cancelled on 11/22/given an unexpected early holiday paycheck)When I became aware of this duplicate charge, I was informed that despite it being a credit to my account, I cannot receive a refund for business daysI was also informed that despite this being a mistake, having a check overnighted would result in me not receiving a full refund because of the fee associated with overnight shipmentI was informed that I cannot have my funds immediately refunded because I have an external bank account, but I would be able to receive the funds immediately if I had a checking account with USAA or paid from a USAA checking account

I recently had an issue with a balance transfer from my USAA credit account to my Etrade securities account, long story short as they say, there needed to be more time between the money in the accounts before I could initiate a transfer; thus, I had a three way call between myself, an etrade rep and multiple USAA repsThroughout the conversation never once did the bank i.eUSAA warn me that my usaa credit account was placed under restrictionFurther, they indicated that all was good with the account and I could start a transferHowever, that second transfer was declined because my USAA account was placed on a day security holdI lost significant reputation among other things when I had to go to my partner and tell him I couldn't make the payment, if USAA had notified me this all could have been avoidedI indend to take this complaint all the way to the top until I am heard

I have had an account with USAA for over a year and a halfI have had an Amex with them for this timeI have over 15,in open credit with them
I have routinely charged and paid off my cards every month with USAA for over yearI have given USAA thousands and thousands of dollars
Last week, without my knowledge, I had a $5,payment bounceThis was despite it showing as paid and cleared on my accountThis payment bouncing, left my Amex over the limit for hours without my knowledgeI was not called or texted by USAA about this
Upon this discovery, I immediately put through the payment again for $5,and this has clearedDespite finding this out and handling it immediately, I was told my Amex was closed and will not be re-opened
I have perfect credit and have never missed a payment on my cardsI am not mid any debt consolidation program or any bankruptcy
I was on hold calling the bank for over 4-hours this week trying to find out why my card was

This is concerning USAA Credit Card services This incident is about my contact with USAA to pay off my credit card I contacted them to find out exactly how much I would have to pay to close the card out including upcoming interests on the next bill I called them from my other bank *** State bankI went to the loan department at *** State bankWhile there I called USAA while I was at there to get my close out amountI asked specifically what I need to pay this offI called USAA and asked them what is my closeout price to pay off my credit cardI paid off my credit card for USAAThey gave me the exact amount to pay and told me I only need to pay dollars more for interestThis is exactly what I didBut next month I get another bill for $ Again, I called to complainI called USAA to ask them why I was being charged after closing my account and even receiving a refundThe first I talked to was no helpI talked to their resolution personAlso no he

The company wants me to pay a higher APR because I am trying to refinanceI filled out the application twice which one application gave me an APR at and the other one was at 9.somethingThe company rather have me use the instead of the
They just want to play games to make people to pay more

I have a usaa credit card they held my check for payment and charge me interestI don't like the way their credit system work seem deceptive to consumersI was not charge for interest properly on my credit cards and I want it remove

The fraud department contacted me about activity on my card I advised that I had possession of my card and was using my cardThe fraud representative stated that she had unlocked my card and it was available to use againI was not able to use my card and did not have access to any of my checking or savings account funds the entire weekend because when I called the fraud department back the recording said it was closed to call back during business hoursMy only alternative was a cash advance from my credit cardI called that monday and the credit card representative stated that I would have to wait for the charges to show up and not be pending then call back to have them refunded and that she had noted the accountShe also unlocked my cardI called back again once the cash advance fee and interest fee for the cash advance showed up and the credit card representative stated he would refund the cash advance fee but he could not refund the interest so he transferred me to the executi

I called USAA Fed Savings Bank on or about Oct to close out a Visa credit card account that we no longer use I was informed that there were no charges on the card and the last charge was in February USAA closed the account
I noticed a $charge later in October and called the bank to inquireI was told that the $was a renewal fee for the Visa card that I had closed weeks earlierI explained that I had closed the account and had been told that there were no outstanding charges
I have tried to resolve this charge with the bank but they have said that there is nothing they can do
On Nov, I talked to the 'resolution department' and was informed again, that there was nothing they could do
They also informed me that they would NOT be sending me any Visa cards for the account because the account was closed
So, I was charged for a years renewal on an account that they now refuse to send me cards for even though they told me that I owed nothing when the a

The credit card promised $credit on the statement if purchases were made in a given timeI made the purchases, but the $was never creditedI have contacted USAA multiple times, and every single time they confirm that the purchases were made and the money should have been credited, but somehow it still never gets creditedThey have assured me multiple times that the money would be thereAfter months, it still is not

I have had an account with USAA for over a year and a halfI have had an Amex with them for this timeI have over 15,in open credit with them
I have routinely charged and paid off my cards every month with USAA for over yearI have given USAA thousands and thousands of dollars
Last week, without my knowledge, I had a $5,payment bounceThis was despite it showing as paid and cleared on my accountThis payment bouncing, left my Amex over the limit for hours without my knowledgeI was not called or texted by USAA about this
Upon this discovery, I immediately put through the payment again for $5,and this has clearedDespite finding this out and handling it immediately, I was told my Amex was closed and will not be re-opened
I have perfect credit and have never missed a payment on my cardsI am not mid any debt consolidation program or any bankruptcy
I was on hold calling the bank for over 4-hours this week trying to find out why my card was