Date Received: 2020-01-18
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I am a victim of ideninity theft trying despertly to resolve unauthorized charges Statement of XX/XX/XXXX has 16 Adjustment Purchases XXXX that are UNIDENTIFIED and New Purchases UNIDENTIFIED in the same amounts XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX PLEASE IDENTIFY THESE who merchant why a new charge. I need to know what it is I am paying for Why does truth in lending statement say TOTAL PAYMENTS AND CREDITS FOR THIS PERIOD {$450.00} I made payment {$77.00} and Account Summary says other credits {$700.00} PLEASE IDENTIFY these {$700.00} credits. IF MORE THAN {$450.00} WAS CREDITED THIS IS NOT A TRUTHFUL TRUTH IN LENDING STATEMENT IF ONLY {$450.00} PAYMENTS AND CREDITS REALLY APPLIED THEN I Am owed more credits Consumers cheated. Is statement UNTRUTHFUL or was I cheated out of credits I deserve? ALL CREDITS. GIVEN WERE TAKEN BACK How could this produce two credits for one purchase to legally charge it back If credit taken back it was never given How can you take back what you did not give without CHEATING CONSUMERS?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been using my USAA Visa ( was MasterCard ) for 30+ years with a very good credit rating. Have ALWAYS paid my monthly payments above and beyond what the minimum is. My maximum balance of XXXX was reduced to XXXX via a letter ( XX/XX/XXXX ) in the mail..no warning. The reasons stated why were totally invalid ( one being that my credit score was XXXX, which is still good, and too many inquiries ) I called a rep XX/XX/XXXX to place a complaint as to the real reason why my limit was reduced. I was suppose to get a call back from the escalations Mgr which didnt happen. In the meantime my card got declined 2.5 weeks later because I went over the {$3100.00} limit. I do have 3 other credit cards but this is the only one that I use for purchases. In fact, I have at least 4 automatic withdraws on this card every month to pay bills. After calling back ( XX/XX/XXXX ) and talking to the escalations Mgr, it was more of the same.. '' it's because of the reasons outlined in the letter ''. He finally agreed with me that it was unfair and would have someone else call me within 2 business days. Someone did call me on my home phone ( which is not the phone # I left for them to call me on ) on XX/XX/XXXX at XXXX XXXX CST only to be hung up on when I answered.There is absolutely no reason why this should have happened ( limit being drastically reduced ) and certainly in the way it happened ( ignorance and indifference ). The only thing that has changed for me in the past 7 months is that I retired So, it must be because I am unemployed ... but that doesn't mean that I don't have money in the bank! I understand as a retiree it is harder to get credit. For this reason and the fact that I have used this card as my primary credit card forever I want my balance limit to be at least 10K. And ... I want to know the reason why this happened to me. It very aggravating for this to happen to me after all these years of being an excellent customer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60527
Submitted Via: Web
Date Sent: 2020-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX Access my account Was it me I began purchases cell phone five ( 5 ) in one year I purchased a XXXX No Preinstalled It had XXXX XXXX installed by XXXX XXXX After XXXX sold them the phones I returned with reciept to no avail I called USAA rep said I love XXXX XX/XX/XXXX Statement {$190.00} CREDIT XX/XX/XXXX {$190.00} NEW CHARGE I do not think one man should be able to make me pay for what I do not want I AM TRYING TO PREVENT IDENITITY THEFT If more banks held cell phones accountable IT WOULD HELP THE INTERNET SECURITY
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am unable to secure my account Iam not able to check often for unauthorized charges and report them timely as all other are encoraged to do to PROTECT their accounts USAA IS NO ACCESS for my XXXX I HAVE NO PROTECTION AND NO ACCESS XXXX NEED BANK ACCESS
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/2020 USAA Reps informed me they could not verify me because I could not tell them the number of a card I have never had possession of which has a balance of {$200.00} I HAVE NEVER HAD THIS CARD AND CAN *NOT GET VERIFIED TO REPORT THIS TO USAA * THIS HAS NEVER BEEN IN MY POSSESSION I HAVE NO ON LINE ACCESS EITHER This card has a balance
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-16
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XX/XX/XXXX USAA XXXX XXXX XXXX XXXX XXXX XXXX Business expert to review my case Follow Up my complaint to CFPB called and said " Temporary Credits are Permanet and Apply to Accounts " I apologize we disagree 1 ) Why are they called Temporary Credits IF THEY ARE PERMANET? 2 ) On XX/XX/XXXX Statement Please explain what ( Total Credits ) Represent What Credits are Included in the amount of Total Credits? TRUTH in lending USAA STATEMENT of XX/XX/XXXX says CLEARLY ( TOTAL ) CREDITS APPLIED FOR THIS PERIOD {$910.00} 3 ) Please explain what ( Other ) Credits Represent ( {$2600.00} ) What credits are included in these? Am I to Add the ( total ) credit amount that is separated {$910.00} to the ( other credits ) {$2600.00} together FOR a *Real TOTAL of Credits.?? And please explain all the New Purchases I did NOT PURCHASE that say.Security of and An Amount Charged. to my Account No Explaination What these are NEW PURCHASES that I DID NOT PURCHASE FOR? There are {$1700.00} I HAVE NO IDEA WHAT THEY ARE FOR ** I KNOW I DID NOT CHARGE THEM
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX I cashed three checks and sent them to a person that was running a scam on me but i did not know that at the time. I was told by XXXX XXXX XXXX to cash these checks for his sick mother and send them to the nurse since his account was a business account he could not cash them out of. He had an account also with My bank in his official name and would have his secretary get the checks to me and I would send to the nurse. I didn't know this was a scam until the checks bounced. The nurse who I sent the checks to was XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 35758
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: While I was on a XXXX XXXX flight to visit my parents in XXXX, TX ( with my credit card on my person ), 3 fraudulent transactions were made at " XXXX XXXX XXXX XXXX XXXX '' with my credit card in the amounts of XXXX, XXXX, and XXXX, respectively. This was on XX/XX/XXXX. I received a call later that night from my hotel room alerting me to the fraud, and when I checked my statement, sure enough, there were 3 purchases that I definitely did not make on my statement. I called to verify that yes, they were obviously fraudulent -- I was in XXXX, Texas. I thought that was the end of it. Later, after arriving home from XXXX, I got another call from USAA, my credit card issuer. They asked for more details around the transaction and told me that it was a chip transaction. I told them this seemed weird to me, as I thought chip transactions were not supposed to have this problem. The lady agreed and seemed very cold and suspicious. I said that I didn't know what happened but my credit card was with me the whole time and my family saw me not only vent about the fraud and how I would have to change my credit card number, but also saw me with my credit card on multiple occasions. After telling the investigator I was sure it was fraud, she took some time to do her investigation. On XX/XX/XXXX, the same investigator called me back explaining that it was impossible for there to be fraud with a chip card. She said the investigation ruled against me. I said that didn't make sense because I wasn't there and didn't know anything about it and eventually started crying ( I'm saving up for a house and it was a lot of money ). She got uncomfortable, then angry, and hung up. She did not show any empathy through any of this. After researching my options, I called USAA to start an appeal process to the decision ( on the same day ) and also looked into hiring a lawyer. I will wait for the appeal before hiring a lawyer since they're expensive and a pain -- I really just want the whole thing to go away which was supposed to be the point of " XXXX fraud liability '' as the bank advertises on the card. I always use my credit card instead of my debit card in case something like this happens and am very disappointed that despite what I was told in school and by parents, this card seems to offer no protection from fraud. I am disappointed, sad, and angry. I feel deceived.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-16
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XX/XX/XXXX CREDIT CARD FRAUD CLAIM XX/XX/XXXX UNAUTHORIZED CHARGES OCCURRED XXXX XXXX ISSUED Reps claim credits given on XX/XX/XXXX Statement which says TOTAL PAYMENTS AND CREDITS for this period {$400.00}. XX/XX/XXXX Adjustment Purchases CREDIT {$190.00} lists on front page with my payment of {$200.00} and XXXX XXXX THIS TOTALS {$400.00} AND ** IS ALL CREDITS and payments for this period The XXXX Adjustment Purchases {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEVER APPLIED Where are the permanet USAA credits of {$470.00} this letter says were issued BUT NEVER APPLIED? Why the New Purchase Adjustment Purchases XX/XX/XXXX {$190.00} and why?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: USAA reps Uncooperative HOSTILE Will NOT EXPLAIN CLOSING STATEMENT TERMS XXXX ID XXXX the one today would not explain None can ever explain even after I explained I could not go on line They are Untruthful each one saying a different thing to PURPOSELY CONFUSE ELDERLY MORE What is Definition for Term on ( Adjustment Purchases )? What is their function as in why are they there? Who are they from? Why? Sometimes they are considered TEMPORARY credits Sometimes they are recorded as New Purchases How to know which and why same term? Very confusing What happens when a fraud is called in? Are TEMPORARY credits LISTED ON CARD APPLIED AGAINST THE BALANCE? When are Temporary credits MADE PERMANET ** USAA does Not provide an option for me to access my account and phone reps will Not EXPLAIN POLICY and TERM meanings. Thousands of NEW PURCHASES XX/XX/2019 statement say ( Security of ) And No One Explains Who would pay thousands of dollars for the UNKNOWN?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A