USAA Credit Card

I received a 0% balance transfer offer and no transfer fee with an attached check to us. Conditions where stated in 3 places in the letter. "Balance transfers and Convenience Checks that post to your account between July 22 and September 12, 2011 will receive 0% APR Promotional APR". On 9/2/11, we called to if confirm this offer was still in place. We're told, "yes, as long as check is posted to the account before Sept. 12th".

I deposited a check on 9/2/11 and posted to account on 9/6/11. I received bill on 9/19/11 with both interest and a transfer fee! I called and USAA are now claiming that offer can only be done "after accepting online". Beware, USAA is now pulling a bait and switch with balance transfer offers.

They say they support military families regarding setting up a contract of agreement to offer me $5000 with the act that allows to help others with a promotional offer of no interest, no fees for 12 months for balance transfers. Yet, they charge you anyways every month and also includes fees on purchases.

Here is my story: When I was about 18 years old, I was in the US Marine Corps and got married to a girl from my home town, which was the stupidest idea ever and you'll know why soon.

Anyways, we ended up divorcing after about three and a half years and it was an ugly divorce. She made me sell the house I had always dreamed of, the one we built and got because I was a service member and we bought it with MY VA Loan! She also took every piece of furniture, music, picture, down to the grill outside from the house. The divorce also resulted in me filing bankruptcy in 2000. But one thing I did not put on the bankruptcy was the credit card because I trusted USAA credit card services and they were good to me and my ex-wife and we opened this USAA credit card account together, let that be known please!

In USAA, usually you have to be affiliated or married to a service member, which I was again. So 10 years later now, I still have the USAA credit card and I have been paying the monthly payments on it every single month! Up until recently, I got a letter in the mail from USAA stating that per my request, the card ending in 4#'s, which was NOT my card number but must have been my ex-wife's, was being closed due to fraudulent charges on the account, which never occurred!

So I called USAA, told them what I received in the mail and explained to them I never requested this account to be closed and that I was/am the primary cardholder of the account and that I was with military so how was it possible that she was able to close the account. Also they did NOT verify her correct information. She gave them her name, of course, but that she lived in the city I currently live in with my current wife, which is not true, so they (USAA) closed the account altogether on fraudulent charges/accusations! From my ex-wife!

I repeatedly, in the past 10 years, have tried to get my ex-wife off the card and just assumed the debt myself but I didn't want her having any access or a card on the account but they refused to take her name simply off the account even though I was the ONLY one paying the bill and I was assuming the debt.

She called up one day and was able to close the account with NO verification of her information. She is NOT the primary cardholder and she was not with military! I find this RIDICULOUS and all I am trying to do is the right thing and pay them off but they are not trying to work with me at all!

For two years now, my 90-year-old mother has been receiving collection notices for 600 plus dollars from USAA and two collection agencies. It started after my father passed in September of 2009.

After contacting USAA Credit Card Services and being told that the card would be cancelled immediately, a final bill appeared showing the above mentioned amount. Funny thing, however, as anyone who receives a bill knows, all transactions are listed -- on this statement, no transactions then or now on any statement whatsoever can account for the charges.

I have spoken with representative from both USAA and the collection agencies and have subsequently been sent some twenty pages listing all transactions from the time that the card was first issued. Funny thing, again: when you get to the end and the 600 plus dollars appears, no transaction accounting for this debt are entered. I supposed what is the most upsetting is not that USAA made a mistake, but the thought of how it would be affecting my mother if she did not have children in a position to keep her from the abuse. In addition, that after speaking to USAA and the collectors, it is as if nobody was listening to me to begin with. Clearly, USAA is a dysfunctional corporation.

Frankly, I feel that there should be just as much accountability from companies as from the individual. I have learned over time, for instance, that just because an employee is fired, the employee should necessarily be the only one suffering the embarrassment and humiliation it involves as companies are not the upstanding members of society that present themselves to be, but power makes it so.

I have been a lifetime USAA member (father was a lifer in the USAF) and in 2002 I married a Capt. in the AF. We divorced 3 years later due to his infidelity and in the divorce I retained my bank account and credit account with USAA. Since I didn't take my ex's retirement (3% or whatever he retires at) he agreed in the decree to keep his name on my account to help me with my moving back home, finding a job etc; He had no problems spending my school loan money.

Long story short- we had a house together- sold it- and then there was an issue with the house and we got sued by the new owners. I didn't have the money (he was a Major and pilot at the time) but he took my savings anyway. My house payment bounced and I had to transfer money from another account to pay the mortgage. Well... then the mortgage came out AGAIN from my USAA checking which overdrew me- they didn't care and wouldn't reverse it- so I made a double mortgage payment in one month- had no savings and now I am overdrawn (previously had a nice cushion) and they didn't care. Yup. They told me tough. I've always been responsible and then this jerk and USAA go on to give me the finger. Awesome. They suck.

I never signed up with USAA at all. I have not signed up any credit cards in the last few years. I hate credit cards. I want the USAA to stop whatever they are doing to hurt my finances, considering I am on social security. I just noticed the email USAA alert which I never heard of. So no idea what damage, it might have on me and my children. Thanks.

Back to the dilemma involving my USAA credit card and me. One thing is a certainty, they breached the contract and that's illegal! It is my belief that USAA is coaching its phone representatives to deny claims. Do I have proof, if I called once I would say that's not proof it could have been a mistake. But I called several times for almost a year informing each USAA rep as to my unemployment status and every reps replay was the same, I had to make a payment. Keep in mind I had debt relief or debt protection whatever they call it, and they knew it, it's on their screen/monitor.

Is this proof? I think so, but what convinced me took place after I made my last payment of $383.00 bring my account current. The economy plunged. I lost my second job. I called USAA knowing I have debt relief and knowing USAA knows I have debt relief and yet the USAA rep asked if I would be able to make a payment. Can you believe this, for the second time USAA breached the contract. Remember its been less then 30 days from my last conversation with the USAA executive relation member concerning the fact that USAA lied about my debt relief for almost a year. So the last thing I expected from a USAA phone rep was a request for payment and to set up an automatic payment yet that's what happened. Two times, that's not a coincidence.

How far will USAA go? Knowing that the USAA credit card phone rep would ask me when I could make a payment I decided to see how much leeway USAA provided them. I made my first call and informed the phone rep as to my unemployment status she asked when could I make a payment. I told her I could sell off my tools but old is gearing up and a might get my old job back. She suggested I sale them then asked me to confirm a date to make an automatic payment. I said lets see how much I get first (no payment made).

The next call I made to USAA, I once again informed the USAA phone rep as to my unemployment status. He informed me that I was several months behind and needed to make a payment (keep in mind I have debt relief and is on his screen). I told him I had a car that my grandfather handed down to my dad and he gave it to me. I then told him the car has not been appraised and I cant afford an appraisal and that selling throughout the appraisal will cost me thousand. He told me to sell it then he asked me to conform a date to make an automatic payment. Tell me this doesn't sound like a rewards plan, convince the individual into make a payment making sure its automatic so they get the credit or bonus (I didn't have a car from my grandfather no payment made).

The next call I made was derived to end the game, not event USAA would allow their reps to go this far. I called once again and explained I am out of work and having a really bad month. I told her (USAA phone rep), we just checked my mom into a home for the elderly and my mom was not expected to last the month. I told her (USAA phone rep) they gave me my moms diamond ring. Before I could say anything else, the USAA rep told me to take my moms ring to a jewelry store then demanding I set date for the automatic payment. I have debt relief, can you believe this?

Due to California laws regarding cell phone, use when driving I have these conversation on type, all accidental. My hands free device is a car kit, a microphone and a speaker and I have a recorded running so I don't forget anything as a result of having a conversation while driving. Once I arrive at a location, I can replay the tape for details, hands free no writing. I can't believe any company is allowed to put profits before honor and they won a service award. I find that hard to believe.

I tried several different ways to deposit money into my account via their suggestions. Every single one was inconvenient and took too long to access funds. I tried to transfer fund, but took 7days to transfer money. I tried iPhone deposit, but I have to open a credit card with them. I also tried to deposit by scanner, but again need to open a credit card account. I contacted the bank to resolve the problem and the two employees, one of which was a supervisor, would not give me any solution.

They kept double talking and talking over me when I tried to say something. Never once did they listen to me or try to resolve my issue. I have done business with 8 different banks throughout my travels and working in different parts of the country. Never have I dealt with such rude people or bad customer service. Do yourself a favor and do business with a local bank, at least they care enough to be there for you. My biggest fear when dealing with a bank is not having access to my funds. This bank is that bank. I would not recommend this bank to anyone. The holds on fund transfers and deposits will make it impossible to pay bills on a timely fashion. Stay away from this bank.

My experience with USAA credit card services started well with the opening of my new account. The USAA phone rep convinced me to purchase the debt protection plan upon registering the credit card. Time passed, I lost my job and forgot about the options on my account. I called USAA and asked if there was anything associated with my account to help me with my payments. I was informed that I could defer 2 payments, but that's all.

Several months passed, and I made payments doing work for friends and family and selling my tools. I continued to call USAA, informing them as to my situation, jobless and in need of help. They repeated that my only option was to defer payments.

I finally deferred two payments and misunderstood when I was to make my next payment. This simple mistake ballooned my payment over $700, and the debt kept climbing. I finally had to talk with the collections department about my credit card debt. It was agreed that I would make 6 payments of $383 per month to bring my credit card current. As I made the payments, I became aware of two disturbing facts.

First, each payment was made on time, and yet, USAA took an additional $25 each month as a late fee. I called and talked with an individual in the Executive Relation Division about this $25 late fee. The lady reviewed my payment history and confirmed each payment was on time. She decided to call the collection department on my behalf. I was informed that USAA wanted $400 per month and I refused, thus the late fee. I asked the executive relation representative if this made any sense that I could tell USAA no to their request and set my own payment. She replied no. Something was wrong.

The second disturbing fact is I had debt protection on my account from day one. Event after admitting they made the mistake, USAA made me continue making the $383 payments. The debt protection company refused to own up to their reasonability. I kept calling USAA, asking for help. They made the mistake; they should help me.

One of the phone reps told me that the problem was also my fault, as the monthly invoice displayed the debt protection monthly fee, so I was at fault. I informed the phone rep as to my disability, dyslexia, so I don't review the invoice. She explained that USAA doesn't except dyslexia as a disability and I better learn to read.

I was going over my online banking. I found a transaction that was unauthorized from this USA credit. I looked them up online and discovered it was some sort of credit card I didn't apply for. They debited me $149.95. I believe they got my account through a payday loan I applied for. I put in a claim with my bank to recover my money from this fraudulent transaction. The $149.95 made my rent check bounce. I want restitution. Now, my husband and I may have to move.

Back in 2001, my husband and I filed for bankruptcy. It was a very hard decision, but we did. One of the credit cards we had was a USAA credit card for about 2-3,000 dollars. I have always done online banking with USAA and have never had any problems with accessing the website. On 12/15/09, I tried accessing USAA and was getting an error message saying a "system error". I tried again the next day and still the same thing. I called my daughter to see if she was experiencing any problems logging in and she said no.

So, I called USAA and I explained my problem. I was connected to the supervisor who handles the online service. She explained to me that because of our bankruptcy 7 or so years ago, our access to the account has been limited. I just could not believe that after all these years, what, did they just wake up?? It's like we are criminals because we filed bankruptcy. Filing does not make you a bad person, but evidently USAA thinks so. And over the years, we have been discriminated for other things also. Like with USAA you can scan a check and deposit it directly from home.

Evidently, USAA thinks we may scan a bad check or something because we weren't allowed to do this. So, after having had enough abuse over the years regarding our bankruptcy, I decided it was time to move on. I have obtained new Auto Insurance with another company, which by the way is cheaper then USAA, and I have opened another checking account with another bank and plan on severing ties with USAA. I just can not believe that people get treated this way. What I am curios about though is if everyone who has filed bankruptcy and banks with USAA has been treated in this fashion.

USAA has built itself by accessing a responsible group of people, military professionals. I think we are seeing the problems with openning the door to include too many others. We are loosing the individual high level of service as USAA expands and becomes a larger company.

I have been a member of USAA for 46 years, and recently received a message stating I would receive a message of importance. Then I received the message, sign up for electronic delivery and their web page or else no service. I have life insurance, banking, credit card, mortgage, auto insurance, homeowners insurance and brokerage service. I checked with several members and they did not have such actions but neither one had a brokerage account. They did not receive such a message either.

I do not want electronic delivery of documents; I do not wish to use my ink and paper to print out the documents they are obligated to send to me. So I refused to sign up.

They blocked me from access to my various accounts by email. I had to use the phone to confirm a transaction, it worked. I guess I am gonna have to deal with USAA via USPS or telephone. No more web page.

This leads me now to consider other options regarding auto and homeowners insurance. Since USAA is an association, it has a Subscribers Savings Account (SSA) that is used to provide a financial base to the association. They will have to refund the money to me if I quit using their casuality insurance; they will lose about $4,000.

Seems kinda foolish on their part but its their choice. I have used their web page since the activated it. Been about seven or eight years, maybe even 10 years, but now I guess I am locked out.

I became a member a few months ago. I wanted to change my card holder to USAA. I was aprove for the new card but when I try to activate the new card I was blocked out. I had to prove that I am the person that took out the new card. I gave USAA all the information they ask for. And still they were not satisfy about my personal information. I got the picture!! "Don't deny this person" just make it hard to become a member. I think my name had something to do with it. I am glad that I read your complaints and now..I have cut my card and mail it back to USAA....never...never again.

They reduced my credit line from $9000 to $1000 even though I never was late on a payment and income never changed.

USAA is just another example of a company that doesn't get it. The senior representative actually admitted it was their fault for not billing me online -- but he still can't go against "policy". Then why haven't you been replaced with a computer, hm?

After more than 25 years of wonderful service from USAA for their banking, credit cards, property insurance, auto insurance and service to ex-military men and women , I'm saddened that another American icon is going the way of so many other once trusted parts of our lives. The recent 2% increase in credit card interest was explained to me as due to the bad economy we thought it best to raise our rates. USAA is putting itself above it's once valued members.

There have been several occasions in the past 2 years when after contact with USAA on the phone, I've been left with less than a warm as fuzzy feeling. Until today, I had written it off as the agent was having a bed day, or I was miss reading their tone. Now I realize that my initial feeling were correct. With a FI score near 800, I resent USAA trying to get a piece of my pie while they can. They're just like the rest of the banking vultures. It truly is a sad day for all USAA members past and present. Sorry to see you go.

I got a credit card with USAA about three years ago. i fell behind on some payments and for some reason when they called about them they forced my wife to increase the payments by almost $150.00. When i called and told them to fix it they tried to confince me that they couldnt and then they just tried to get to me keep them. they argued with me and finally after threatening to sue or end my account they fixed it, five minutes later i cancled my account. I WIN!

My family has used USAA for our bank, credit card, mortagage, and auto & home insurance for the past decade. They have gone above and beyond the service of any other bank (we've banked w/ six banks in two countries in the past). You will not find a better bank anywhere that I know of. If you're unhappy with their service then cancel your accounts with USAA and go find that better bank (good luck).

Most all of the problems here were caused by the individual's errors and not following the agreement they signed on their credit card. If there really is a better bank quit complaining and take your money there.

Please check into this and let me know if it is for real or whether this is some scammer trying to get his information.

Thank you.

If said loan had been paid off in January 2009, then using the flawed logic USAA applied--USAA would have been able to come back and collect interest owed on the balance from September to January where interest was not collected--which in fact is not true and would be seen as a bank error. In reviewing the account and the documented FACT that interest had accrued every month up until I began paying extra, their explination of this bogus charge was not an accurate description. This was a bank error, not a customer error.

Now lets take a look at what USAA customer service representatives (rep) did and did not do to assist me in making my decison to choose another institution. First the rep did not admit that USAA made a mistake and that interest had not been charged for approximately 149 days.

Third before USAA zapped my account of an additional 160 dollars, no one from USAA called or sent an e-mail ahead of time, to notify me that this had happend and USAA just chose to raid my account, even though I was NEVER behind on my loan. And just as a gimme here you may want to ask in the future if a payment had already been sent off (which it had). My bank records indicate that a payment was sent on the 6th of Feb. Funny--How difficult would it have been to treat me with some respect, call me and tell me that out of the 500 dollars I sent in $160 dollars would be applied to interest. Nifty thought process huh?

Fourth when the rep says things like "When you make principal payments you are simply paying down the principal balance however no part of the payment is applied to the interest portion of the balance." It should read "USAA and its computer program did not apply the correct amount of interest and it was only recently we discovered this discrepancy. We are sorry for the inconvience for not notfying anead of time before gaining access to your account. We do understand you have acted responsibly and have made every effort to pay off this loan in a timely and responsible manner. We truly apologize for the disruption".

Now I am sure that as a rep of USAA you could possibly put a pleasant spin on this, however I must ask you to dig deep, place your functioning brain cells on whether an additional 160 dollars out of my account (without notice), may have a short term negative impact on my budget. Understand one thing IT IS MY MONEY WE ARE TALKING ABOUT HERE!!!!!!!! USAA has FAILED miserably to meet the mark of customer sevice and customer satisfation in our household. And yes, I am aware that with other insurance companies I may be paying higher rates, however if this will ensure that USAA will keep it's greedy money grubbing hands off of my account I would be more than happy to pay a little more. In short as a good customer this is my notice to USAA.....You're fired.

On an additional note, my bank has records indicating payments sent on one date and said account with USAA not being credited for an additional 4 days. Before USAA would credit my account, I had to send them an e-mail from my bank account indicating that payment was made.

I know that per day it is only about one dollar in interest, but imagine if they were doing this to 10,000 customers per month. that would be 1.4 million dollars a year of erroneously reported interest accrued. Could this be fraudulent? Say it isn't so.

Ok; here's my story. I've been banking/insurancing w/USAA for over 10 years now. I had one of their credit cards and my car was financed thru them. Well, I recently filed Chapter 13 and a couple of months later I get a phone call saying that after my coverage is up on this policy, I'm going to be dropped due to the fact that I still owed them. It's not like I filed a Chapter 7 where they won't get anything at all. Why am I being dropped? I understand that I still owe them money (and they're going to get their money). I'm so ****** right now I can't type straight.

I have been a member of USAA for about 60 years. I have always had superb service on my checking, savings, IRA, mortgage Brokerage accounts, and would recommend their service to anyone. As I read miost of the complaints here I have to challenge the authors. I think you caused the problem and not the USAA reps you spoke with. Have you ever read the details on your credit card accoiunt to learn what you have signed up for?

USAA sent me two letters stating that they were changing the Amendments to My Credit Card Agreement. This means that current low interest rates would go up to 8.90% on one card and 9.90% on the other card. I feel that this should be against the law. They should be held to their original agreement which was mutually agreed upon between the bank and myself, the consumer.

I have been given the option to reject these changes provided I meet their deadline. However, if I reject the changes, they will close my account and this will impact my good credit history. This is unfair, particularily since the enormous bailout that, we the taxpayers, gave the financial institutions. I can not accept these rate increases on my credit card balances. Can someone help me?

My husband and I have been customers of USAA as soon as they opened it up to the enlisted, 1996. We were SO PLEASED with them, we have everything through them! Mortgage, multiple car loans over the years, insurance policies on cars boats house, we have 3 checking accounts and our kids have checking accounts, and an investment account, we have a credit card account that we recently upgraded in Nov 2007 to a platinum account . Like I said we have it ALL!!! They were a GREAT bank we trusted our lives with them! Their customer service was superb! UNTIL, we noticed problems when they started the whole automated phone CRAP...

Their customer service was not as great, I ENJOY talking to a live person! And I HATE going through 100 prompts to get to one... We have made mistakes in the past of overdrawing our account, we would call them when we found our error and they would give us a cash advance on good faith. We didn't make many errors, but it happens... If we needed to skip a payment due to a duty station change, it was never any problem... We showed a good payment history.

BUT, in Jan 2008. USAA caused us a HUGE mess... We had switched our USAA Visa card Nov 2007 (we had the card since 1996) to a USAA Platinum card, we had an increased limit to 16, 000.00 and moved over the balance of 10, 000.00 from the other USAA visa card. My husband switched duty stations, Jan 2008 he was paid part of the moving expenses from the Military about 6000.00 so we put it on the Platinum card, thus lowering our amount, and increasing our available amount. We did this because we have to show moving expense receipts, and what over we paid on the card would go towards the balance of the card to pay it down, and our checking accounts have bills that come out monthly it was less confusion for all the transactions to come out of one account.

Jan 2008 my husband in route from Ft. Campbell to Ft. Eustis, fills up with gas a few times, books a hotel with his USAA platinum card, when he goes to check out of the hotel 5 days later, the transaction was DECLINED. We had over 7, 000.00 available on the card, USAA pulled all of our available credit and decreased our limit to 10, 000.00 without notice! My husband in route and money was to be used for moving expenses were GONE... We got the BIGGEST run around from customer service rep to customer service rep. and NOTHING was resolved, we explained the situation, we had no problems with our payments... But USAA would do NOTHING to put back the money, to help in any way! This was a lesson learned! YOU cannot TRUST a financial institute. This is our fault in the end, for not being guarded! When you trust a SOLE company to do all of your banking, loans, insurance, etc. USAA was a GREAT company for many years, NOW we CANNOT trust them!

On or about Oct 23, 2007, I contacted USAA regarding my interest rate. I told them I was not getting the interest rate I used to have (I bought down the interest rate). Apparently when I submitted a fraud claim and USAA issued me a new credit card, they did not transfer over my buy-down policy. I also told the representative that I had received a promotion to get 0% interest for 12 months. The representative told me no problem, she would issue me a new credit card at 0% for 12 months and transfer the balance from my old card to the new card and close out the old card. It was in early December 07 that I realized the representative straight out lied to me. Instead of transferring my balance to the new card and giving me 0% for 12 months, I was issued a 2nd Credit Card (I've only ever had 1 credit card in my life and have never wanted 2 credit cards (other than my bank card).) When I received my new credit card, I activated and used it thinking that I only had 1 credit card. Now I have 2 credit cards where I not only have to pay on both credit cards, but also have to pay interest on both credit cards! After talking with Scott at USAA, I was told that they would not honor the 0% interest as their representative promised me.

USAA owes me the interest difference from when I terminated my old USAA card (due to fraud on the card) and when they issued me a new credit card without transferring my buy-down of the interest rate to the new card. I am also requesting that they honor the agreement they made to me to get the 0% interest for 12 months as I was told on Oct 23, 07. I believe I was scammed into thinking this would be done and instead was issued a 2nd credit card which I never wanted. I had the opportunity at the time to transfer my USAA balance to another company and get the 0% interest for 12 months. Please let me know if I have any legal rights on these issues.

My family and I have been USAA members for 15 years. We are also members of the Eagle Point Rewards Program linked to a Mastercard. The points program is pretty basic; spend a dollar on the Mastercard and earn a point. The points can be redeemed for air travel, car rental, products, etc. I decided to use 20,000 points for car rental with Hertz and Avis (10,000 points equals a $100 off voucher). I attempted to make the reservation online at Avis using several senarios to get the best deal. What I discovered was that using the voucher caused my base rate to increase $50. Making my $100 off voucher only worth $40+/- after fees.

I contacted Avis to confirm this practice and the rep said it was a standard practice AMEX and other large businesses. I also called USAA and voiced my opinion via a complaint. USAA pretty much said nothing and referred me to an Avis rep. I fault USAA for choosing poor business partners and myself for keeping this credit card with its not-so-good interest rate simply because I thought the points program was worth it.

The specious credit report in question is the only derogatory remark on my Equifax credit rating and has impeded my ability to apply for low-interest loans and prevented me from being pre-approved for possible real estate investments.