USAA Credit Card Reviews

I just set up a credit card with USAA. The process was very detailed and took a long time of talking to a person on the phone and answering tons of questions. In the end, the credit limit they provided was not satisfactory. Since then, each time I call customer service, it's a very lengthy process. Recently I tried to make a payment. I hit Pay my bill. The system then took me to a screen where I could only add my checking information (it did not accept any debit card). I entered all account information to make the payment. I have been watching for the payment to post. It did not. I went into my messages and apparently, you need to first hit submit and do another verification process. It will now take 10 days to verify my account before I can even make an "electronic" payment. In my experience "electronic" payments should be almost instantaneous.

The Credit Card department is so Slow and takes several calls to speak to someone, 5 attempts to reach them and finally got a snotty little girl who said I have to re apply for a credit card that was approved but they say that customer service called me twice and I did not answer. I am using my phone for work and the people know I always answer my phone, now they would like me to apply for a Credit Card, the same one I applied for a month ago. So stupid of a business practice. Horrible people and Not that good of a rate either, just wanted to use the 15 months at zero, I would have kept using them, they are horrible.

Had charges on my credit card that I didn't make. Called 4 times, talked to 8 people, each time they said they would take care of. No one did, they referred it to credit bureau and my credit went from 830 to 740. Over a measly $200. I'm 78 years old and I've Always pay for anything I charge, I'm sooo upset that they lied to me, very nice but ruined my credit over a measly $200. I'm calling Consumer Financial Protection Bureau and State Attorneys office this morning as soon as they open. What a miserable way to treat a person, and miserable way to run a business.

I have many accounts with other companies and have no to little issues. USAA on the other hand has many problems with communicating and customer service. I have set up auto payment multiple times in the last year. I have set this up online and over the phone as WELL my wife has. I look at my bank and notice they have not auto-drafted and immediately make the payment INCLUDING the overdraft plus some extra. This obviously cost me money for their mistake that they don't own up to.

I’m surprised that their credit cards are still a thing. They are straight up thieves. The interest rates are awful and they don’t apply your payment to your account right away. Customer service is not helpful at all. The worst part for me is paying on my account and not seeing the balance go down. Don’t waste your time or money.

I've been a customer of USAA for well over ten years having mortgages, auto loans, credit cards, life insurance, auto insurance, brokerage account, and homeowner's insurance. I informed USAA that I was being scammed by an out-of-country vendor, but they refuse to help me and say I just need to hope that the vendor will do the right thing and refund me. I told USAA that they failed to refund me and I originally requested a stop payment two days after the transaction. I have spent a lot of money with USAA over the years and this would be nothing for them to handle, but it's a lot of money for me. USAA doesn't care about their customers any longer. Go to a small community bank that cares about your business.

I have had good experiences in them handling business transactions in which the business doesn’t hold up their end of trade. They are way better than Chase and US Bank who nonchalantly gauge you, even if you’ve been a loyal customer since college. You may call to ask for a better rate, especially since your credit is good and you’re now middle aged, and you’ll just get a foreigner tell you “no, is there anything else”? USAA cares about their business and dealings here.

EVERYONE - IF YOU HAVE A USAA CREDIT CARD - NOTICE THEY ARE NOT SECURE. I've had a card for several years, its stays in my cabinet and only exists to allow them to post my car insurance to the card. IT NEVER EVER is or has been used for any other transactions since the day got it. Last week there were three charges to the card, a pharmacy and two hotels, somewhere out West. All charges were caught and reversed or denied. HOW I asked is this possible? The only way that info could have gotten out is if USAA was hacked. No the info is not on my computer or phone, they're basically a ghost card. USAA said they will not disclose investigation or information about this. Cancelling cards, changing insurance, DO NOT TRUST THEM!!!!

Until recently, we have been very happy with USAA. I have had a credit card with them for 20+ years. I recently had some fraudulent charges on my account. In the past, I was able to quickly have issues like this resolved. In this case, I have talked to 3 different representatives for over 3 hours and had a supervisor pulled in. Not only are the charges still on my account, but they reversed the charges in the wrong direction. Now I have almost $4K of inaccurate charges on my account. I asked for something in writing after the last call which I was assured I would receive via email immediately. I haven't received anything and nothing has been corrected. I am very disappointed to say that once resolved we will no longer be using the card and would recommend with the high amount of credit card fraud today that you look for a company with better customer service if opening an account.

I own several credit cards and I have my home and car insurance thru USAA so decided to consolidate cards with the USAA Card. Don’t. Finance charges keep changing overnight and I recently had a high fraudulent charge and I called several times to dispute the charge. The was looking into it for 45 minutes one evening and then another rep looked into it while I was on hold for 30 minutes the following week and there were no notes of previous calls. They asked me multiple times for my documentation of the dispute including pictures and a statement of the series of events. USAA did nothing. I moved my balance to a zero interest card last week and will be closing this account. I expected more.

Been a USAA customer for over 30 years, and have had nothing but issues with the payment processing center for 2 months in a row. We always pay the card in full every month, and it all started when we made one large purchase and all of a sudden our payments made through Wells Fargo went from processing in 2-3 days are now 3 weeks to be posted and we are getting hit with interest charges that are outrageous. We are sending the payment by billpay 10-12 days before being due. Have copies of the dated payments that were sent, but are not being processed.

We began getting cash advance fees charged to our card each month after the statement closing date starting in 2023. We contacted USAA and the CSR could not understand what our problem was. The problem: they are charging fees now even though we pay the cash advance in full plus the interest within two days of the transaction but we are still charged and continue to be charged the interest, even though the card is paid off. It never used to be like this until December 2022. Found out USAA was sold and now our insurance coverages have changed dramatically for the worst, our credit card now has serious fee calculation problems, and customer service cannot help fix anything. We have been with USAA for more than 30 years but looking to get away from it which is such a hassle. We do not recommend the USAA American Express card.

Yes every time that I use my USAA credit card it reports automatically to the credit bureaus within a couple of days! I had a streaming service come out for about $10-12 and it dropped my credit score 12 points. That’s ridiculous! They don’t even give you a chance to pay on it before they report it!

My rewards history states I have earned 13010 and have availability 7117. I am advised my rewards don’t expire. I am a new rewards card holder. I was bounced between rewards department and customer service. No one can tell me where my missing points went. Customer service is questionable if they can’t explain the history of the rewards and for a new account. I will rethink using this account for my primary reward earner. I expected more from a military business. Hope they can regain my loyalty.

Someone stole my credit card then charged $17.00 on it. I contacted the fraud department & told them of the theft of my credit card. Five years have passed yet I am still disputing the $17.00 charge on my credit card. USAA bank is committing a felony by trying to extort money from me. I’m a disabled veteran who is being taken advantage of. USAA bank has threatened bodily harm to me over the $17.00. I’m a senior citizen with a host of illnesses yet USAA bank is ruining my credit. I don’t owe USAA bank $17.00 but they charged off the amount & ruined my credit. USAA bank is guilty of extortion & civil rights violation.

I've been a USAA member for over fifty years. Recently I went on a cruise that included the eastern US and Canada. Weeks before leaving, I completed a travel notification on the USAA site for the period I was traveling. The first time I used the card in Canada, their fraud division froze my card over a $15 purchase of two beers. I had to spend 15-20 minutes on the phone verifying my ID to get it unfrozen. Obviously, their computer program pays no attention to travel alerts. In the future, I will leave the USAA card home when I travel.

Paid USAA credit card in full weeks before statement payment was due. USAA Bank didn't disclose that it holds payments, even those made via ETF, before applying to account which, of course, would bring "available credit" back to maximum amount. Account even had a credit balance due to a merchant refund. Never had a large credit card payment held because of "algorithms" designed to prevent fraud (USAA's explanation) and as noted above, the payment was made via ETF thus it left my account and received by USAA within 24 hours.

I had a fraudulent charge on my credit card, which I disputed and had it removed from my account. However, I was charged interest on those charges and USAA refused to remove them even after several reps verified over the phone that they should be removed. I had multiple reps submit approval to remove these interest charges but the fraud department continuously rejected the claims. Eventually this impacted my credit score so I gave up and paid the interest for purchases I didn’t make so I could just close out the account and never deal with USAA credit services again. I would give zero stars if I could.

It's a shame. I've had a USAA credit card for 29 years! During this time, I've never had a problem; I paid my bill every month and on time, without fail. This past Feb 2022, I had a fraudulent charge show up. This was a product I had, indeed, ordered but what showed up was completely different as in not even in the same category as what I had ordered. Long story short, I received one oven mitt from China. What I had ordered cost approximately $78.00. I submitted every bit of information I had 2 or 3 times to no avail.

I have banked with USAA for a dozen years. I opened a USAA $1k secured CC 6 years ago and used and paid it regular. Meantime I opened cards with AE, NFCU, CHASE, Citi, and Discover. This past January I applied for a USAA rate advantage card. I was granted a $20,500 limit. Today, less than 6 months later USAA raised my limit a $1k to $21,500.00. Recent Fed interest hikes and my interest rate is 11%. My USAA secured card is still secured but that's just fine. In the past I saw no issue running a card to the limit, and then I saw the light. I pay off cards monthly by the statement closing date, not by the due date. If I need to keep a balance for the month I keep it below 30% of card limit. I typically keep my balance around 2% of credit line or less. Most are paid off. USAA IS pretty straight up. It's not their fault if someone doesn't understand industry standard rules and guidelines. I can gladly recommend USAA cards and services.

I used my card a few times and then it started to be declined. I would call and they couldn't find out why. They double processed my payment and took almost 1000 dollars more than necessary. Customer service was totally useless, card is an embarrassment to try to use.

They have poor communication skills. They made me wait 1/2 hour to speak to an agent. The agent was very rude I could hardly understand her. She refused to accommodate me to the end. I could not remember my password number. She became irritated and betrayed me.

I have been with USAA for over 30 yrs. In the past month they have reported to the credit bureau I was $13 over my limit? Really? And also late back in 2015 & 2016? Is this a joke? Thank you USAA! And thank you for holding my payment for 7 days and making my payment late while I was on vacation!

I paid off a credit card 5 days ago. It is still not reflected in my available balance. This was done via the USAA app. They received the money 5 days ago and withdrew it from my bank account. Electronic transactions do not take 5 days. USAA is earning interest on payments made to them.

We had a $13,000 credit limit, on our USAA credit card. We paid $8500, on the card, and paid off 2 loans at USAA, after which they LOWERED our credit limit by $8000 and dropped our credit score 25 points!!! We had hoped to have an $8500 cushion, for emergencies. Had we known they were going to penalize us, we wouldn't have given THEM the money! Watch out people! You can't get ahead by paying your debts to USAA!

USAA is second to none. They are always looking out for the best of their customers. They also have great reasonable rates. They always put the customer first.

When I have a dispute, USAA always stands up for me, like when I got scammed by a Company for $1400.00. I also get points for my purchases which I really like, as I can use to buy stuff or pay down my balance.

If I could rate them lower, I would. USAA will reduce your credit limit if you don't use their card often enough. Instead of rewarding you for using your credit responsibly and wisely they lower your available credit, which in turn raises your "debt to credit ratio" and lowers your credit score. You have to wait six months to request an increase to your credit limit and then they will do a hard pull on your credit. By doing this, it can once again lower your credit score. All this because you are being responsible with your credit. All the while insuring you that they are there for our Veterans.

There are virtually no rewards for use of this card. It's easy to use for online shopping and business however after having the card for 20 years, there should be a better reward system than a fraction of a percent for every dollar charged.

As a military branded company (for military members and vets), rates are decent but nothing better than what is available, it shines on needs of military members that are unique to its members. Deployment forgiveness, no charges for ATM both domestic and foreign. Minimal charges for purchases outside the US etc. The rewards are decent but again nothing so overwhelming good.

USAA credit card (VISA) is the best card I have ever found. The people are friendly and very helpful. Plus their interest rate is the lowest of any card that I have ever compared, and I have looked into many over the past few years, and have not found any that even came close, both in interest and fine customer service.

If you're in or have been in the US military or a dependent of someone who served check out USAA. They're online banking at its best. Available 24/7, rebate ATM charges, and I've been in the physical bank once, the day I opened my account and even that wasn't necessary. Your accounts enjoy outstanding security and their rates on credit cards save you money, especially compared to non-promotional rates of nearly all other major including BofA, Citi, Chase, etc.

I've been with USAA for 30+ years, have excellent credit, and one would think that after that period of time USAA would progressively reduce my interest rate as a reward and incentive to continue with their service! I'm disappointed with this, and also with the decline in their service to its customers by automating their customer request for help by implementing an online auto-bot who is worthless!

I have a Checking account, Credit Card, and Auto loan with USAA. Each account has had great perks. I've never felt so taken care of as I do with USAA with any other bank I've had in the past. This month I had a $1200 balance on my CC and USAA didn't charge me any minimum payment due on my statement due to hard times during the coronavirus. I can call customer service at any time and any issue I don't understand is explained to my understanding. I can go on and on about how well taken care of I have been by USAA.

I ordered from a company and was sent the wrong product. I returned the wrong product and the company refused to refund me. I filed a claim with USAA and it was denied even though I did not receive the product I ordered. They let the company steal almost 400 from me. Do not get this card. You will have no protection as a customer and they do not care if a company tries to screw you over. USAA used to be a good company that cared about its customers but that is no longer the case. They are not cheaper or better than other companies out there anymore. I wrote a complaint to the executive communications email but I do not believe that any effort will be made to rectify the situation.

Been a customer of USAA since 1992 and have their credit card only. Last fall they reduced my credit limit from $23,000 to $500 due to my use of their card. It is the lack of using their card actually. Never late, never over the limit, never anything other than praise for this company until they reduced my credit limit. The only way I knew that they reduced my limit was due to the fact that I was trying to book airline tickets and that purchase was denied because it was more than my new undisclosed credit limit of only $500.

I hired Terminix. I advised them I would pay by check only. Somehow Terminix billed my USAA credit card. I immediately called them and they said I gave them the card. I did not. I then called customer service and inquired if Mr. ** received my complaint letter. Rachel was rude, nasty and unhelpful. I then received a call fro Luciana ** and after providing many articles (I asked her to google complaints against Terminix) that was not done. I received a letter stating that $489 was due Terminix. I mentioned the Fair Credit Practice Act and she said that did not apply in this case. I explained to he that The Law stated $60 max. I am filing a complaint with The House Oversight Committee. Luciana said Ii would owe the full amount. I specifically advised NOT to bill my Visa account and did not show them the card. There are a multitude of complaints about Terminix via Google.

Rather than ask why I hadn't used my card or suggesting, hey, use your card, they lowered my limit drastically (down 12K to $500.00). My FICO score took a big hit. USAA - we'll revisit in 6 months to a year to re-evaluate your status. When I complained, I was assured my situation was referred up the chain...3 weeks ago. Service, great credit and history, not worth much to them.

My husband has a USAA Visa with a $16,500 limit, that he transferred over from a Chase Visa, based on the USAA hype that they care about the military and veterans. In the years he's had this card, he had maybe 2-4 late payments, only by a day or two, and no late payments for at least two years. I started handling our bill paying, and I started making payments over the minimum every month.

I have never in my life dealt with a company as horrible, cruel, and uncaring as USAA. I was with USAA for 14 years. During my time with them, I have had homeowner's insurance, auto insurance, and a credit card. At times, I have paid them $500.00 a month on my credit card when I was using it. My Account, until October of 2019, had always been in good standing. Well, in September of 2019, I was involved in an automobile accident. I got blamed for the accident for a reason I don't agree with, but that is beside the point. I called them to report the accident. The next day, they called me back and accused me of "fraud," stating that I was on an Uber ride, and it was "illegal" for me to submit a claim to them. I informed them I wasn't aware of that (which I wasn't at the time). Nevertheless, they denied the claim.

I applied for a credit card and they used my Experian credit score, which is a 690. Of course I got denied because of a computer. They don't understand that people have a credit history and have made mistakes. But when you have learned from those mistakes and have a high credit score, there's no second chance. 100% disappointed.

I have been using USAA for 19 years. Paying on time and more than the minimum. I have a credit score of 700 and never have missed any payments. My balance was at 49% credit ratio. They cut my limit for no reason and increased my ratio to 79% and the customer service person said they based that on my credit score, and they have the right to do that. I'm paying them off and will never use them again. I spoke to the office of the CEO, he didn't care either. Do not use USAA.

I received a credit card from USAA that I didn't remember applying for but it sounded like a very good deal. 0% interest for 20 months, 17% after that, and no annual fee. I used a couple of checks to transfer higher interest credit cards to it and charged a couple times at stores. All this worked perfectly. On Dec.30, I received an alert from my Experian credit report that someone had changed my address on my USAA account. I called them and changed it back. I asked them how it got changed and they told me it must have been for someone else's account. Two days later I get an alert from Experian again that I had a large balance change and that my credit score had dropped 77 points. My credit limit mind you, was $20,000. I had used about $3000. The balance said I owed $19,200.

Had a USAA credit card for 6 months now and have spent 4 different times trying to get the $250 cash reward for spending so much during the first 3 months. I have spent probably 4-5 hours trying to get the incentive. All the other credit card companies that I have dealt with on incentives it is done right away with no problems. I do not recommend their credit card.

USAA Credit Card Services posted a $7,000.00 payment when the check was clearly written for $2,000.00. When I called to correct the situation at 9:26 am, I was told to fax them a copy of the check which I did (9:30 am) and then they would look into the issue. That was after they wanted me to have my bank cover for their mistake. I called and spoke to 2 different people at 5:55 and was told there is a process and would take time with no indication of when the $5,000.00 would be replaced. Terrie (employee number **) only quoted policy and would send an email tomorrow to try and expedite, but there is a process. I am a 20+ year USAA member and moving my credit card business away. It was the non caring attitude and lack of action to correct the mistake quickly. A day and a half so far without correction. USAA should stick to insurance because the customer service in the banking and credit card business is terrible!

USAA held my $1800 refund payment hostage for over 30 days; completely unacceptable found out the hard way that USAA Bank does not care about its customers whatsoever. I pay my credit card online and when I scheduled a monthly payment, I am surprised when the record of my scheduled payment disappeared. No notation or reason online from USAA?? To make matters worse, USAA allowed me to schedule a NEW payment on the due date. So, I had 2 scheduled payments which both posted several days later causing my checking account to go negative. When I called USAA for help, they pretty much refused to take me seriously and just quoted policy after policy which only help USAA; and never cared to listen to my issue as a loyal customer and treated me like a “banking rule” not a customer.

ANNA supervisor ** would not help at all on a credit card that I had fallen behind on due to medical issues. APR 21% and five 34.00 late fees. I had one fee waived 4 mo. ago and they will not waive any other fees. My credit is shot due to my medical issue over the last five mo. Yet She tells me to borrow some more money to pay off this card. USAA is a worthless bank with very poor customer service. I have them for auto insurance and home insurance but will be changing that and closing both those accounts. Goodbye USAA. I will never bank with you again.

I like that USAA doesn't charge as much APR as most other companies, also some of the benefits like including car renter's insurance is an awesome perk. However, it takes so long for the payments on your card to go through, like two weeks and this whole time you won't able to use your card. I find this delay a bit ridiculous. In comparison when I pay off my AMEX balance, I can almost immediately start using my AMEX card.

I have been with USAA for about 40 years as a customer of auto, home, and life insurance, auto loans, and credit cards. On a few occasions, one very recently, I have disputed charges on my card. Except for this most recent one which is now in the hands of the state attorney general, I have prevailed in every case. However, it almost seemed like I had to fight both the vendor and USAA. This recent case involves a restaurant gift card.

I was near maxing out my credit card because of a large unexpected expense. I had excellent credit, so instead of paying it off monthly, I decided to pay it off in one large sum with a withdrawal of $10k from my 401k (so that it wouldn’t hurt my credit). This obviously cost me upfront (taxes/penalty) and in the long run (less to retire on), but I figured I’d just use the cc for everyday purchases, continue to pay it monthly, collect rewards, and keep my excellent credit (as I am looking to purchase a home)—so it would be worth it in the end. But immediately after, USAA notifies me that they are lowering my credit limit all the way down to my remaining balance. So that I am then maxed out again!!! I called to explain what I did and why, and they said they feel it is in the best interest of USAA, so they will not be reversing their decision!!

I recently contacted USAA to remove myself from my ex-wife’s credit card accounts, which are in her name and SSN (I’m just an authorized user). I was told you cannot do it without her contacting you or the representative recommended hiring a lawyer if she won’t remove me. Are you kidding? The card were opened with her SSN, in her name.

I've read below in another complaint the same message I got on my credit card, "Someone got your card info probably on the internet". Yea right! CLEARLY YOU WERE HACKED, fix your damn system or get better hacker software, now I have to wait for a credit card because of USAA. GREAT JOB! Oh, and another boldface lie! You can't just tell people your system got hacked?? Another lawsuit waiting to happen! Hahaha Jesus Christ. Bye USAA.

I transferred a balance to my USAA card that offered zero interest for a year. I have been consistently paying well over what a minimum payment would be because they said I had no payment due. Come to find out, they do not apply overpayments to the balance on the credit card...they take your overpayment and do a “pay ahead program” just in case you ever need to skip a payment. What?!? My balance never goes down. I spent over 20 minutes on the phone arguing this and they finally unenrolled me from the program so that I can start working on paying the balance down. SOOO frustrating. By the way, if your statement says no minimum payment due on the first page, go to page three for real information.

I have used USAA credit card for years. Though not a lot of perks they were trustworthy. My life cycled with them throughout the year. I never had minimum payments or bogus late fees. I would pay my balances off during the year, but we all know that life happens when we make our plans. When necessary I didn’t hesitate to use this card over sneaky other cards. When I have charges on a card I always make monthly or bimonthly payments. January 2019 I was shy $15 on my payment which was unknown to myself.

I became behind on loan I took out because I became unemployed. When I finally got a job I called to negotiate a payment plan. I created a plan that would allow me to become current in 2 months and scheduled my first payment for 2 days after the plan was made. That same day, my loan was charged off. The only reason I found out is when I went to check if the payment was taken out and my account didn’t show the loan. When I called to ask, they said the payment was already being processed. And that’s when they also told me it had been charged off. I am perfectly ok with honoring my debt, but getting the debt written off and collecting payment seems completely unethical.

Just got off the phone with another "Customer Service representative." Nice man but absolutely powerless to do anything but apologize and repeat their "policies." My issue is with a checking account. I had a small negative balance of $47 dollars on that they immediately charged off. Mistake of Mistakes. One of my commission checks erroneously was sent to that charged off account. Instead of sending the money back since the account is no longer open, they kept. Not only that they reported that they received the money a day after they actually got.

When I tried setting up a USAA payment online, a confirmation number wasn't given after completing initial setup. The second time through, the payment setup was confirmed for a future date. A week later, I noticed a NSF charge for a second payment. I called NSAA's customer service line to see if I could rectify this situation. The man I spoke with seemed sympathetic, but I realized he was giving me a double talk routine. It sounded like they would stop trying to collect the second payment. He even said he would call my bank to explain the matter to them, to stop payment processing.

USAA accidentally tried to pay our bill from an old bank account that had been deleted from our profile about a year ago. By the time they got their mistake figured out and corrected (with our help of course), the payment due date had passed. They charged us $46.33 in finance charges and $22 in late fees! We got them to refund the late fee but they will not refund the $46 in finance charges. We guess this is how they make money off of clients who pay their bills in full every month. They create a problem and then charge the client for USAA's error! And the customer service people were rude and completely uncaring. They really don't care. We are closing our account there and recommend to anyone thinking of this card to look elsewhere. Thanks for your service indeed. Instead they should say, "Thanks for letting us lie and fleece you." Not anymore. We have perfect credit and they treat us like this. No longer...

I'm not trusting these guys anymore. I pay off my entire balance every 15 days (every paycheck), As soon as I pay it says "$0 balance." The next pay period, they said my balance was $2,000! There is no way I spent $2K in 15 days! And I've been noticing the same for years! How can my bill be so large every month and we barely spend any money! So I manually added up all my expenses, (because their statements do not include a balance after each transaction) and it turns out I had accumulated only $800 or so in expenses! Where did the extra $1,200 come from?!?! I'm getting rid of these guys!

About a month ago I noticed in my Bank of America checking account (not a USAA bank account) that my entire balance due to USAA Bank of $6,300 on my credit card was debited by USAA. Note, I never authorized this. It was all the money I had to pay bills, mortgage, etc. I immediately checked my USAA Credit Card account and sure enough I had a zero balance. What followed was weeks of calls to USAA bank each time asking that they reverse this and return my money. Each call assured me that the reverse was forth coming. When I never got the money I was told they would send me a check. TWO people told me this and I even verified my address for them. So I held on, waiting.

Updated on 01/03/2019: Set up payments to Express Scripts but payments were never credited. Called Express Scripts and did a 3 way call with USAA. Was told matter was resolved - NOT! Come to find out that USAA uses a third party - FISERV - for their bill pay and FISERV went ahead and blocked my entire bill pay service! Took me 4 hours and another 3 way call with USAA to get that resolved involving verifying my identity 4 times! We are now pulling EVERYTHING out of USAA!

WARNING TO FELLOW VETERANS. Stay Away from USAA. They are not interested in helping you as a Active Duty Member or a veteran. They are a Nefarious bank that preys and exploits the "guaranteed" money that is the military community. DO not be fooled by their advertisements. I have had this credit card and dealt with the rude and smug customer support team. They are often snarky and tell you that they can't help you because the department you need is out of the office. Many of these people are not veterans.

Around 2007-08, when the economy had be wrecked by the Great Recession, I became financially vulnerable. This is also when USAA abandoned me. Prior to the recession, I had acquired a USAA credit card at 4.25% fixed. When the recession hit, I used this card as my safety net. While this was a tricky situation, it was manageable. Then, one day in 2008, after historically paying all my bills on time, I received a letter from my USAA credit card. It informed me that my fixed rate would be increasing to 16%. Since this was not the original terms of my card member agreement, I was offered the option to decline the increase and close my account. I chose to close my account, so that I could continue to pay down the balance at 4.25%.

I live in England and was unable to make a local online purchase because USAA could not send me a verification code. Their mobile app was down (which is where they sent the verification code), so I called a customer service agent who tried to give a pre-authorization but was perplexed that I would try to purchase something in a currency besides US dollars and was unable to come up with an appropriate conversion. Then she informed me that the pre-authorization wouldn't even count as the verification and I still needed the code. It seems that they have created a security system that is smarter than they are.

Just to post a comment in support of us "liars" according to Mr. USAA below. I have been a member for 26 years and counting. I am currently disabled and live on a very tight income like the majority of us "liars". I occasionally have to use my USAA card to cover major expenses over the years because the interest rate is good compared to others. Recently being a good customer and not a "liar" I paid down a large portion of my balance which I didn't have to do only because I want to strengthen my credit score for a refinance. What did they do? They cut my credit limit almost 50% and caused my score to dip considerably. After Pearl Harboring them on Facebook with their consumer ratings from this site they had a worker bee from the Office of the CEO call me to discuss.

I cannot believe all the negative comments that people have written about the USAA Visa Credit Card. I truly believe they are all liars. I got a USAA credit card several years ago with a $1500.00 credit limit. Please note that EVERY month I always paid at least 2 or 3 times the minimum payment. Every 6 months, USAA increased my credit limit by $500.00 until it reached $3,500.00. After approximately 2 years, they increased my credit limit by $10,000.00 to $13,500.00. Folks, all you have to do is pay more than the minimum payment and make your payment BEFORE the due date. I guess if I started missing payments, I would be one of those people that USAA "screwed" over.

I work hard to make payments on my American Express card with USAA. As soon as payment is posted they turn around and charge interest the same day almost making it impossible to pay off! I wouldnt recommend opening a card with them.

Last month I used my Secured Visa card, charging something for $21. It's only the 3rd time I used it. Recently I subscribed also to myFico.com. That's when I noticed that all 3 of my credit scored dropped 2-5 points. The reason given: My debt increased by $21. This was reported even though I pay off the complete balance each statement well before the due date. Maybe this is reported because it's a 'Secured' card'? I only got the card because I was thinking of financing a new car and getting insurance thru USAA. Now there's no way. I'm calling to close my account but based on other reviews I've read, it might take time and I'll need to be very clear and aggressive to get it done. I'm a vet from a family of vets. Terrible that they hurt my credit score. Worth another dip to end this card.

Apparently the marketing department and customer service of USAA credit card services do not value the veteran status. The credit card offers are sent to the member and any person that has applied for the USAA benefits even if denied. I applied under our member login but the offer that was emailed directly to me (I'm not the veteran) for zero interest and balance transfer was not applied to the account even though it was discussed on multiple occasions. Elevated the issue to three levels with no satisfaction. DO NOT APPLY FOR ANY CARD WITH USAA - they will find a way to screw it up. It's a legalized SCAM.

Do NOT do business with these crooks. The credit card department of USAA is the worst. It took 4 calls to simply close my Visa account with USAA. The people are incompetent, rude, hateful and overall useless.

My identity was stolen last week, somehow the people involved were able to transfer my telephone number to another carrier and then started setting up mobile transfers using the Zelle App with USAA. I didn't notice until my card was declined twice at two different stores. I tried to login to my USAA account, but it said that my account was locked due to security reasons. My wife called them to see what was going on while I was on another phone talking to my cell provider to see what happened on their end, the customer service rep in the fraud department told my wife that they needed to speak with me and to have me call at any time to get this matter sorted out. I got off the phone with my cell provider an hour later and called USAA back.

Have not used the rewards yet, it takes forever to accumulate enough points to use. When I do use them it will probably be for a very short flight to someplace I do not want to go.

I have never dealt with a company that gets more things wrong and treats me as horribly than this company (and that's a lot of companies). I am a physician and know how to treat people well. They have stolen from me and NEVER FOLLOW THROUGH, so it's impossible to resolve anything. Stay far clear of this gang.

We recently changed to USAA car insurance. We opened an USAA credit card with them at the same time to receive a $10 discount. We had two cars and a month and a half into it, we sold the second car. I contacted them immediately to drop the second car, which they did. There was quite a bit of confusion with the monthly billing. I spend hours on the phone. I thought I had paid what I should have and it turns out that I was confused and did not pay what I was supposed to. It was a red flag in the beginning that they were charging 27.9% interest and we have good credit!

After noticing my check hadn't cleared I called seven days and explained checked was mailed March 20th. I called April 1st and paid with bank card. April 2nd they maliciously reduced my card limit from $3500 - $3000. I haven't NEVER been late and HAVEN'T used card in over (TWO YEARS). They treat good bill paying veterans like crap!

Two years ago, I received my USAA credit card, with a credit limit of 13k. I was so happy; I could now start fixing up my house and wouldn't need a loan. With that high a limit, I also figured my credit score (due to "credit utilization ratio") would increase. My first project, the kitchen, cost 11k. I paid back 1k a month until it was near paid off and then started another project. Back up to almost 11k, again I was paying 1k a month, until it was down to about 6k, I paid $700.00 per month (I got injured at work and was on workman's comp for 10 months). Never a late payment, always well above the minimum.

Please people "DO NOT" get a credit card with this Bank! They charge 27.99 % every month, not annually. They are just as bad as a payday lender. Your payments continue to go up even if you don't use the card! They come on TV as if they are a savior of veterans when actually they are taking advantage of them. I will be turning them over to the state attorney general here in Ohio. This company is based outta Las Vegas, NV. Please don't get involved with these loan sharks and criminals. They should be charged under the RICO statute for running a criminal enterprise!

I opened a secured credit card which I used once and haven't used in the past year. I was billed an annual fee and when I called to have that cancelled and the card closed, they refused to drop the $35 fee. So, considering it's a fee going forward and not a fee that covered you for the past year, this is wrong. Closed my account and CD with them and had them take the monies out of the CD. Time on hold and transfers to three people.

When recently traveling, I used the credit card to purchase currency for the trip. They consider that a cash advance and charged a cash advance fee, then the bill comes and they have charged interest on the cash advance because I didn't pay it immediately. I paid the card off in full after complaining and hearing they can do nothing about the charge and guess what? I got another interest charge the next month, what for you might ask, because one, get it ONE, charge was made after the bill drop and for $20 at that, so that means they can carry over the cash advance and charge interest AGAIN.

I'm attempting to pay my husband's credit card at USAA on the website. My husband had a stroke and is severely disabled. I paid his bill for the last 2 months online, but somehow this month I cannot get into his account, it is locked. I tried to reset the acct., it says it will text me the new reset on cell. WE do not have cell service where we live therefore cannot receive texts. They say I have to be power of Atty. and then I can pay his bill. I have to fax it to them.

My card was hacked Dec 22 and I requested a new card. After 6 more calls asking to speak to a supervisor, which was no done, I still do NOT have a new card. This is the worst customer service I have ever encountered. Too bad I can’t rate them less than 1.

They originally signed me up for 0% interest 15 months on balance transfers. Turns out I'm on the phone with them they can't find my information or my ORIGINAL SIGNUP! Don't waste your time. This credit card company doesn't hold up on their end!

Over 6 years ago we did something that resulted in USAA Visa coverage a charge for $200. That was considered a cash advance. Other than that we NEVER use cash advances or transfer balance, etc., anything that would qualify as a cash advance. Ever since then, or the past 6+ years, USAA Visa charges a small amount for "Interest charge on cash advance". They will NEVER consider that $200 paid off and will continue to charge monthly fees until the overall balance is paid down to $0. Does anyone else notice these charges on their cards? This seems wrong. That small cash advance is NEVER considered paid off and we're charge for it forever or until we pay the balance down to $0. Check it out on you statements. Look down the statement for: Interest Charge on Cash Advances $0.39 (some small amount).

Spent 14 of 22 yrs active duty with USAA, separated from service for 2 yrs and lost my job for 6 months. I own a house and two cars, the vehicles and the insurance I use USAA. Never missed a payment on any of that, my credit card I let slide a month or three during my unemployment. The only company I have trusted for 14 yrs, cancelled my credit card. The only company I have credit & obligations to, cancel my credit card. Paid everything else, house, card, insurance, timely, but when things were tough I left the CC slide, my only trusted credit holder dumped me. Probably worse for Vets than the VA. Really wish no stars were an option, clearly no man left behind is a concept left to the military, not the companies like USAA that claim to support Soldiers and their families like I believed all these years. Run Vets, Run.

Like many others, I have been a member of USAA for many years and have had a USAA credit card for about five years. I have not use the card in about three years. However I got a call the other day from USAA attempting to collect a past due balance of $35 which it turns out is the annual fee to have their credit card. Just a little disappointed in USAA that they claim to be all about helping service members yet charge them $35 for an annual fee on a credit card that they don't use and then don't tell them about it until they are calling to try and collect the debt.

Don't go with the USAA Credit Card. If you pay $50-100 it posts right away - pay the balance and they'll "float" it for 7-10 days. Really screwed me, I paid off the card to use it for a trip - funds weren't there for 10 days. Had to use a different card for the business trip. VERY unprofessional. Capital One, US Bank, Chase... every other card I have ever owned has posted the payment immediately. Spent lots of time on the phone with them, there was nothing they were willing to do. Said if I used a USAA checking/savings account it would have been immediate - well great, with service like this let me just jump right in and have ALL my pay go to you. No. I don't trust them and have canceled the card.

I have been a member of USAA for 15 years. Two years ago, the government agency I was was working for had three breaches of security in a short time frame. My social security number, date of birth, address, and military affiliation were accessed, as well as anyone listed in my background check. The Department of Defense notified me of this breach in June, but it occurred in February. I called USAA after checking my checking account, and credit card for any activity I did not initiate. The first phone call was just for information purposes, there was a negative balance in my checking account and my credit card was almost maxed, which was not accurate. The young man I spoke to informed me USAA was aware of the breach and had placed a hold on my account so no transfers occurred between USAA and my local credit union from the end of February to July when I called.

I inquired about insurance with USAA May 2017, when I was referred by my father (retired military and USAA member for 30+ years). I was then offered what appeared to be a good credit card offer. I was in the market for a new credit card and the way I understood it was the CC was 0% APR on all purchases and transfers for 15 months. I even repeated it back to her and she confirmed it. I said I was interested in signing up. A couple months later I received a cc statement which included interest on it. When I called to inquire about what I thought was a mistake, I was informed that my offer was for only transfers and not purchases. I then explained that was not what the representative had told me at the beginning bc if she had, I wouldn't of signed up bc I could have gone with a different cc company and received 0% APR on purchases and transfers - But I had chosen USAA because I heard it was a good company to do business with.

I overlooked my last bill on the credit card which was $185.77. I then received a bill for that payment plus the current payment with an interest charge of $3.35. I have had this card for over 10 years and paid regularly. USAA refused to eliminate the interest fee. I have many credit cards and not once have they refused to eliminate the fee particularly when I have a long history with the company and regularly pay on time. I find this shameful on the part of USAA that they don't value their long time customers.

I transfer money from Huntington Bank to pay off one of my credit card, the money was received by USAA BUT CREDIT NOT APPLY TO MY ACCOUNT. I call and I was told it will take up to 7 days. Moving all my accounts to another bank. This use to be a great bank. NO LONGER. KEEP GOING DOWNHILL for the LAST 2 years. Stay away from USAA.

I am fighting a late payment ding on my credit of 60 days past due for charges USAA couldn't make clear to me what they were for. I haven't used the credit card for years. Apparently I am billed online in what looks like or goes to spam. I never got a paper bill. I only started receiving late notices in the mail when it was 60 days overdue. They never tried to call or reach me by my primary cell phone. I had 800 credit score and because of their ding over 5 dollars I went down to 650. What's worse is the charge was fraudulent. Ultimately I will get this straightened out but is months of hassle and waiting. USAA was not cooperative.

I got several fraud charges on my USAA CC six total within two days. We had to talk to USAA several times to make sure they were all noted and that they were going to take care of them. We thought all was good today. Two months later we get an email from USAA that the company was disputing the fraud and that USAA wants us to send a letter in to state we did not authorize the charge. If USAA feels we have no way to say we did or not we will be liable for the charge. I guess using a CC is not 100% safe from being taking by fraud. We will be canceling both our CC with USAA as soon and this is done and also removing our car insurance with them. They can't be trusted!!! I have had fraud on other brand CC's and no issues at all. USAA said they are people owned so they do things different. Well USAA bye bye... And become a real company that looks out for their customers!!!

I am having a problem with a USAA credit card and fraud. They told me the card was cancelled. It was not, and they are reporting derogatory information to the credit bureaus. They are a big company and I am one little person. It is hard to fight them. You will feel the same way. Bottom Line: If you have a problem with fraud, they will say you did it and will not help you. Then, they will harass and bully you for something you don't owe. (Remember: They are a giant, we are little powerless people.) Yes, and they will try to ruin your credit for $35 (when your daughter is slated to attend college in the fall), give you the runaround, and transfer you to various departments unwilling and seemingly incapable of helping you. Extremely horrible customer service overall.

I have had my card for two years. I have a checking and a savings account with USAA as well as my car insurance. They cut my credit limit in half with no prior notice after I paid my balance in full. The lady I talked to said they would have reduced it before but they can't lower less than what you owe. They have tried to tell me my credit is 100 points lower than it is. (I closed on my house less than a month ago and work at a dealership, I have access to my credit score at any time so I know better) They won't resolve their issues. They said that I was late on payments multiple times when they take it automatically from my USAA Checking account. The only negatives I even have on my credit profile come from them lowering my limit so now I am over 50% of my balance. I will never recommend them to anyone.

USAA has the worst customer service I ever experienced. In a effort to lower my balance on my credit card I stop using the card and start making lump sum payments. Well they lower my credit limit which in turn lowered my credit score. This was done without any notification or explanation. I called them to find out what was going on with the account and their reply was "we don't know ". Wow!

Five year member. Very dissatisfied with my experience with USAA Federal Savings Bank. Failed to act in a commercially reasonable manner. I have legal reason why I did not have to comply with the contract. I did what I was required under the contract except anything I was prevented or excused from doing, so I do not owe creditor. Prior breach- Improper Notice of Breach. The creditors' violations of State and Local Law. The creditor failed to comply with the terms of the contract by breaching the implied warranty of good faith and fair dealing by acting unreasonably, which denied me the benefits I had under the contract. USAA terms of the contract is grossly unfair.

I have been a long term member of USAA. I've done several mortgages and auto finances through USAA plus I use USAA for insurance. Despite decades of "membership" I've never really needed to interact with USAA, no claims, no issues. I recently decided to transfer a credit card from USAA to another institution (because the other institution offered a significantly better rate) and for the first time I had to actually interact with USAA. It was a nightmare. USAA repeatedly claimed they did not receive the transfer and despite providing proof funds were transferred USAA denied receiving the funds. Even after providing USAA proof of transfer they refused to properly apply the funds.

In August 2016 I opened a line of Credit with this union. Needless to say I do not use the card and accidentally charged 10.74 to the card. I received no phone call or literature in the mail. I was told by my lender I had an outstanding balance of 10.74. I called today, paid it in full and since this was a pure misunderstanding I was hoping to have the card reinstated. They were not helpful, I was on the phone for nearly 3 hours. I have never been treated so poorly but a company. I am in the middle of home buying and because of this small amount my credit is not that great. I would never jeopardize my credit over 10 bucks. I feel slighted; my father is a former Marine and I have been with them for a long time prior to this account. They are awful, Capital One is kinder!!!! I feel defeated. That was an emergency line of credit.

Veterans should watch out for scams involving companies that have traditionally done well by veterans. USAA is one of them. Recently I made a larger payment on to my USAA credit card using their electronic transfer feature on the website. The payment was my travel money for a trip I needed to make for school. I made this transfer thinking my funds would be available for my trip (Usually, with Capital One, or Wells Fargo, the funds were available immediately after making the electronic transfer from their website).

I have a USAA credit card for two years. For the last year I have been paying it through my bank account electronic. I had it set up for my bill for Nov 4, 2016 to be paid that day. I check and it went through. I had the check number and confirmation number saying they receive it. Much to my surprise I call them before Thanksgiving to let them know my wife was going to be out of state for a few days. The lady that work there told me I was overdue and never receive the check. I went to my computer and printed out the information. She more or less did not believe me.

USAA is definitely not out to help our active duty! It's hard enough trying to live a stable life on active duty. We opened 2 credit cards about 5 years ago with USAA. We had a revolving balance on both cards for a few years and then decided to buy a house. I paid HUGE chunks off on my credit cards in October to bring my debt to limit down. In November I got a credit monitoring notice that USAA took our $10k limit down to $2700. Mind you we are mid underwriting on a house, our balance was $2500 on that card. This means the credit score increase I got for paying down my card just went right back up and some because it now looks as if my card was maxed out.

I've been a USAA member for over 25 years. USAA changed from MC to Visa, I had to notify all my Auto pay accounts of the change. USAA says they sent out info of an absolute date that the MC would no longer be active. I do all of my banking online and by email, never saw a letter or an email of this date). I received an email Aug 17th around the same time I received the credit card telling me to activate the new card, no date that the MC would be completely deactivated on Sept 13th. After being told that my homeowners insurance on my rental property that was on Auto pay did not post with my USAA credit card on Oct 3rd, they said they would cancel my policy. I contacted USAA and asked where this notification was that the card would be deactivated and they said they emailed and mailed on July 30th (funny I had every other email and not that). I asked why I couldn't find this document online, this document was nowhere online.

I'm a 19 year old girl with my first credit card. I've been very on top of my payments so far, and paid another balance ahead of time yesterday. Yet, after paying it, my card has been declined for a small purchase. This isn't the first time this has happened. Last time, I ended up on the phone with an incompetent CSA for roughly 47 minutes, explaining my problem, and was told that there was nothing she could do; she didn't know why my payment wasn't accepted, and didn't actively pursue any methods for fixing my problem. I was simply told to call later, and the next representative I spoke with didn't have a clue, either.

I've been a USAA member for 42 years with generally very good experiences. However, when USAA changed from MC to Visa, we had to notify all Direct Pay vendors of the change. Not all have worked out. After being told by a vendor that my Direct Pay failed to post with my USAA credit card, USAA told me the issue was with the vendor. Vendor said all CC information was correct. I reviewed, line by line with the vendor, every data point and had them try to run a small pre-payment using my Visa card. Failed to work.

My wife and I have been with USAA for 3 decades. We recently were involved in an on-line computer service scam, where the company disabled our computer and then 'fixed it.' Of course, the fix resulted in an exorbitant fee, and further disabling. We were not aware of the scam until after the fact, and had Geek Squad examine the computer. We were informed by them that the company is widely known as a scam operation, and that they had had 2 other customers come in with the same problem that same day. The Florida State Attorney General shut down the company a month ago, and reported, together with the BBB, that over $20M had been scammed by the company, prior to the shut-down.

I will make this brief because so many reviews recount experiences similar to mine - although my experience is probably exponentially worse than most. I have been a member of USAA for 42 years. In the past year, the following has occurred: Internet account has been hacked multiple times and personal data is repeatedly corrupted so that I cannot access my account by internet and I am unable to verify my identity when contacting them by phone.

I cancelled my American Express credit card due to me not using it for two years in May 2016. In June of 2016 I received a bill for 35.00 annual fee. I called USAA and they informed me that I was late in cancelling the Credit card by several weeks therefore I needed to pay for the 2016-2017 annual fee. I told them then reinstate my card. The rep told me I would have to re-apply for a new card and would be charged another $35.00 annual fee. I asked then "what am I getting for the $36.31" (including late fees) and the rep chuckled and said nothing. I asked "where is the $36.31 going." She responded to us. I then contacted the BBB and filed a complaint. They have now called me every day since I filed with the BBB asking for the $36.31 due on August 12. They want their fees early before August 12 statement??

We have been a member for many years and had been impressed by the level of security USAA had for on-line and phone in to support and customer service. NOT SO ANYMORE! Both myself and wife's shared accounts and my Daughters and son in laws accounts (BTW my daughter and son in law accounts are not combined with ours, this just happened to them too) have been easily hacked by thieves thru phone support at USAA. Yes USAA support let the thieves in and helped them reset the pass code as they had "forgotten it". Nothing high tech, No over the phone questions were asked that were special "challenge questions"(not from public records) but off public records such as birth dates, ages, addresses, social security numbers. The thieves did this and USAA let them in to get in and transfer and withdraw cash (over $4000.00) via the debit card.

I've been a USAA member for 15 year and what and where in the hell are they finding these customer service reps!?! Fell behind on credit card during divorce. Kept in contact, made payment arrangements, made sure my card status is open. 6 months later of being double talked and lied to they closed the account. Not even late on payments!!! You cannot get a supervisor for nothing. They just pretend to give you a supervisor and hand the phone over to the person next to them! Completely rude and unprofessional and they told me instead of paying off the remaining balance to file bankruptcy!!! Who Says that?

I'm a disabled veteran, and I've been part of USAA (card insurance) for about 5 years now. I recently tried to get a credit card through them, but was told that I'm declined. I don't understand why, since I've NEVER been late on any of my other 5 credit cards, and have paid way more than the minimum balance amount. Now I got a hard hit on my credit! However, after reading some of these reviews, I'm glad I was turned down. I thought USAA was better than that. Greedy USAA! Don't give you're looking out for veterans crap! You're just another Wall Street conglomerate trying to squeeze what they can out of the little guy!

This is no longer the customer friendly USAA I remember from when I signed up as a teenager. I attempted to pay my $2 balance on my credit card 3 times in one month, phoned in and was told systems are down. Now my credit score has dropped significantly because USAA issued a 30 days past due notice to the credit bureaus for a $2 balance that their system did not process, but mind you $500+ went through to pay all other USAA Bills. I talked with a representative and their supervisor and neither were willing to help resolve the issue, which was a glitch in their own system. Years ago USAA representatives would not have blinked at doing everything possible to resolve an issue. I would not recommend using any of USAA's banking options.

Between the years 1967 and 2011 my satisfaction level with USAA service has alternated between EXCELLENT and OUTSTANDING. Recently, they seem to have joined the Greedy Growth Group and are sacrificing Quality for Size. They are replacing high quality USAA employees with mediocre outsourced providers. Up until now I have used USAA for 95% of my financial transactions. That will soon change to 5%.

USAA has lost a payment I made electromagnetically thru Navy Federal two months go. I continue to get harassing phone calls every day, sometimes twice a day. Navy Federal has faxed direct from their offices to USAA proving the payment was made those idiots lost. NFCU and I have both sent all of the data, including my bank statements proving USAA withdrew the money from my account for the payment I made. We even had a conference call with Navy Federal, me and USAA. The rep was nothing but accusatory and rude.

USAA baits and switches on credit card applications. Please be very wary as you will be sent a card with terms that differ from the terms of a letter and of your agreed upon verbal application. Calls to customer service representatives are not accurately documented and call transcripts are not available after 30 days. After doing business with USAA for more than 25 years I am appalled. Incorrect information was given during the card application and by two representatives upon card receipt.

I have tried being a member of USAA credit card services twice over the last 10 years. The first time I signed up they asked me for all pertinent information relevant to my military history!! I thought WOW!! At last a credit card provider that has my veterans status and the military interest as their primary concern. I assumed they had some affiliation with ex-military. I cancelled that first card before I had the opportunity to really get to know about USAA, because I was going out of the country and could not be incumbent of having a credit card out of the country.

I applied for the card and was approve right away. I have perfect credit. It was suppose to be 21 month interest-free. After 5 months they started charging interest. When I called they had no idea what I was talking about, no such promotion. I will pay the card off tomorrow and never use it again. Unbelievable.

USAA's credit card service is abysmal. It took six months to resolve a dispute even though the merchant stated in writing that the two transactions were -- in short --not valid! I initially made a fraud complaint, though long story short, USAA considered it to be a dispute. Thus, my case bounced back and forth between the two internal departments, until, after repeated follow up calls, my case was elevated to the "Executive Resolution Team" where they employ "analysts" to review your claim. Three weeks after the analyst determined that my claim was valid, I am still waiting. Ridiculous!!! If you ask me, it smacked of the old deny, deny, deny routine that insurance companies employ, hoping you'll give up. In a word--don't!

I've made payments to my USAA credit card through Bill Payer via the same alternate bank account for over 15 years. All of the sudden, I'm using my card more and paying more frequently and higher amounts to ensure I'm not going over my limit and they decide they are going to place a hold on my available funds, even though they have the money and show it posted, I've never been late, they've never had a non-sufficient funds issue, and I pay more than the payment due amount. Strangely, if I had just transferred funds from Bill Payer to my USAA bank account and paid the Credit Card bill directly from the USAA account, this would never have been an issue. Makes no sense...

This is an epic story to tell. I had USAA credit card about 20 years ago when I was a student and had no activity ever since. I thought the credit card should be closed long time ago. All of sudden, in November 2015, there was a fraudulent charge of $999.99. I reported fraud case immediately after I received a mail forwarded from my old address from which I moved out 19 years. The fraud department acknowledged that it was such a surprise that somebody could still charge on an 18/19-year-old card. It was determined as fraud and card was closed. But I continue to receive statements. So I called at least 6 or 7 times to their customer service.

I'll make this short. Other than all that has been described by many others, USAA has become incompetent in many ways. Twice I have filled out the online information where I was traveling and when. During both travels, USAA put a hold on my card, in what they claimed fraudulent use because of a large charge where I traveled to. I have to find a computer/phone to find out what was happening and straighten out their stupidity. Fill out the website information then put holds on cards... hmmmm... kind of stupid. I was dealing with a lot of matters in the US during the most recent trip to include helping a grieving family because one of the brothers disappeared. Not a good time to do the usual USAA ridiculous.

USAA used to have fabulous customer service. We have a home loan, equity line, credit card, homeowners insurance, and auto insurance (husband has had auto insurance with them for over 20 years). We realized we could not log in. We asked what the problem was and they said we were missing payments on the credit card. We paid the card off in full. We were still not able to access ANY of our accounts or renew our auto insurance.

I have been a customer of USAA since I was 16 years old. I'm now 43. In December of 2013, I transferred a balance from my Discover Card to a USAA credit card and "NEVER" had "ANY" cash advances. However, today, December 29, 2015, when I looked to see what my payment was this month I saw my payment went from $100 to $144, and there was two different interest rates. One interest rate was for purchases and the other was for "cash advances". I never made any cash advances on this credit card. So, I called USAA and was told, "Cash Advance interest rates are not what people think they are. It's not that you pulled any cash out of your card, but that when you rolled your old balance onto the new card, part of that balance went under "cash advances" and you're charged the same amount of interest as that balance as you're charged on the purchase balance."

BEWARE OF BILLPAY especially if USAA says that they have a relationship with the vendor, thus not allowing you to enter the address where to send the bill. If they screw up (and THEY DID), YOUR ELECTRIC GETS CUT OFF while you think that the bill was paid and confirmed online in a timely manner! I had to make 4 phone calls to get to the bottom of this and USAA threw blame on their third party vendor, CheckFree PartnerCare. I had to pay $100 deposit, $40 reconnect fee, and late fees. I got my deposit and late fees back but not the reconnect fees from the electric bill. Fighting with USAA to get that back, but the Ex. Resolution is telling me that I'm being rude! GRRRHHH!

USAA has this new security alert that is sent to your phone as a text whenever there is suspicious activity. Sounds great in theory, until it picks a random transaction that is totally normal, like buying from Victoria's Secret, which comes up by name on the transaction. It is not a foreign name on the statement. Yet, I was not able to complete a transaction at this store. I did not realize I would receive a text and that I needed to reply. Instead, slightly embarrassed, I made the purchase with a different card. Two days later, I could not get gas. Then I see the text to confirm recent transactions. I confirmed. I received a reply that said. "We didn't understand your reply."

Had a fraudulent charge against my MC card a year ago. Was out of the country at the time and couldn't/didn't challenge the charge in time. Had to suck it up but cancelled the card. I keep receiving bills for new charges, which I deny and reiterate the card has been cancelled. Again and again! Even in writing. No joy. Today, another charge for $300+ and, when I called to deny the charge, was told I had to pay. The supervisor wouldn't even give me his name for my record of the call. The company is totally, insanely incompetent and venal. Will invest in a lawyer Monday. Words to the wise, STEER CLEAR OF USAA CREDIT CARDS!!

Would not refund a large over payment. Gave me the runaround, hung up on me, kept me on hold 3 times. I called for over an hour each time and never resolved my issue!!! Worst company ever! I tore up their credit card!!! Rude representatives, horrible company!

I recently experienced a situation where a dishonest merchant tried to bill me twice for a purchase because "his bank did not pay him." USAA provided no help whatsoever from the fraud department and the dispute resolution process is also shaping up to be a stonewalling exercise. A credit card company is supposed to provide us a degree of protection from these problems. USAA is not doing this and is part of the problem. VERY POOR SERVICE!

I got a new credit card from USAA after buying car and home insurance with them plus opening a bank account - and was offered a special credit card transfer allowing me to transfer a balance from another card (Capital One) to the new USAA card interest free until June 2016. After 15 days - still no transfer accepted but USAA certainly charged me $3000 plus a $90 transfer fee on day two of the request. There is no way the transfer was completed 2 days after a request. And still, I owe Capital One $3000 as well as USAA $3000. This is beyond belief in 2015 where everything electronic can supposedly be accomplished. Of course Capital One is not at fault and USAA claims it isn't at fault. So the finger points right back to me as the problem.

Horrible Customer Service!!!! I have a credit card with USAA. I have used it quite a bit and have been trying to keep it low. Recently, I decided to have the payments deducted from my checking account automatically. I started the process but then realized I had already paid for the month and needed to wait until the next month or I'd be paying twice. I CANCELLED the process. I randomly checked my checking account balance a few days later and noticed USAA had withdrawn the entire remaining credit card balance from my checking account, $408! I was livid! I called the following day to dispute it. They agreed it was a MISTAKE and they would refund the money but it would take ten days to return the money to my account! This may be policy but I was furious! I don't have $408.00 extra in my checking account!

My 81 year old mother had credit card fraud of over $1200, USAA called her to ask about some charges and it turned out her card was used by an unauthorized user. They went ahead and took this money out of her checking after they told her they wouldn't. It has been four months and she keeps getting the run around on when she will get her money back. She has to talk to someone different every time she calls. They won't talk to me. I'm in another state from my mother, when she called to put me on the account they say they can't because the account is closed which my mother did because she was so upset about the whole matter.

My visa card was pirated and used in the Philippines. The culprits made an initial "tickle" withdrawal which was successful and followed that with seven additional withdrawals the same day and double the amount of the original. I was informed by USAA that my card had been defrauded and closed it down and sent another via Fedex. The new card is rejected and the company is incapable of restoring its use despite multiple phone calls on my part and an enormous runaround to multiple agents. Hard to believe that the system would allow multiple withdrawals of such magnitude in a location one-half a world away from my home. Believe me, these people do not know how to handle this situation. I've been with the Company since 1970. They are much better at handling insurance. Thanks.

I have been a member of USAA since 1983. For most of that time they were exceptional. Recently that is no longer the case. I retired outside the US. My debit and credit cards have been falsely flagged for fraudulent activity at least half a dozen times in the last few years. Each time I have been traveling outside my home country. Despite notifying USAA in advance of the dates and locations of my travel, despite the fact that many of the fraudulent flag notices came while shopping at military facilities in Italy, my cards continue to be flagged.

I have been a USAA member since 1988 and for the most part have extolled the efforts of USAA to friends and colleagues. However, recent events have me questioning my loyalty to USAA and searching for a new banking institution. It is with great confusion and anger that I report the following issue. USAA canceled my credit cards while I was on a business trip in Las Vegas last week. I was told that "the activity was not typical for your account" by the many service representatives that I spoke with over the course of the week.

I opened a checking and savings, back in January and funded them with 2500.00. 1000.00 in savings and 1500.00 in checking. Upon receiving my debit card I went to a B of A ATM to make a $40 withdrawal. It was declined, so I called the number on the card and was told my account was frozen because I didn't submit my DD214... I don't care to share my service record with them on that level. I was then told my accounts are now with their fraud department. I told them to close my accounts and forward me the balance. They have yet to do so, and I still receive balance updates by text msgs every two days. Semper Fi.

I am a retired Army Captain. I have been with USAA for over 30 years. My credit took a bad hit after a bitter divorce. USAA closed my credit card. I have/had??? My auto insurance also with USAA. I paid my auto insurance premium. The payment posted, BUT USAA REFUSED to renew the coverage after I paid, due to the balance owed on my closed credit card account.

In December of 2014, USAA had a breach on their end and notified us after they canceled our card. This was the first issue since this canceled all of our services that we have auto payments set up to go the card. I paid off the card in full. Now each and every month USAA re-charges me the amount I have already paid on my new card. Each and every month after a minimum of a 50 min. phone call I am promised that it will be corrected. Then I receive my new bill and it's been added again plus interest. This is still unresolved with no sign of resolution. Please choose any other credit card than USAA.

I made a charge and never received the merchandise. They handled the situation for me. Also I made a charge long ago. Could not contact the party involved, they took care of it. Weve had USAA for over 30 years! They're our number one credit card.

USAA is supposed to be a company that looks out and protects its members. Like the way the members look out and protect our country! We have been USAA since the 1980s and they are treating us horrible. We had thousands of fraudulent charges from someone who hacked into our XBOX account. I had been sick for a couple of months, made my credit card payments but was unable to open our statements. By the time I opened the statements and found the charges and called they said they would open an investigation and get back to us. They never followed up and every time we called we got a different person and also a different story. Some said it would be taken care of and others say there is nothing that can be done. We have all of our documentation. Very sad excuse for a company that it said to look out for those that protect and serve. Do not EVER do business with USAA.

High balance transfer fee -- I got tired of their fees so I transferred and got charged almost 40. I want them to take it off.

I recently made a payment through bill pay to my USAA Master Card for $125. The payment was held by USAA for 7 days. I had a trace put on the payment, seems USAA has the money in hand 24 hours after I submitted the payment, but USAA put a hold on the payment for 7 days. When I asked USAA why, their response was: "Your credit card agreement says we may hold funds for up to 7 days. Your credit card was over the limit by $3.00."

Currently have auto, home owners insurance, loan, and credit card with USAA. I have been a member since 2009 and have everything set up on automatic payment schedules. I have never once been late on a payment to USAA or any company for that matter. The credit card I have not used in almost a year and have maintained a 0 balance. USAA apparently charged an annual fee to the card, but never sent me a bill, never called, or emailed to notify me that a payment was due.

So my friend said she need some help with some financial problems so I help her out. She promised to pay me back. So like a dummy I fell for the sweet talk and help her out. I didn't know much but I was paying it off then when I called the bank to let them know about some purchase that wasn't made by me. I didn't give my friend my credit card but I guess she copy the number and security code in the back. They said I owe like 1212 when the limit was 1000$. I was telling the bank I didn't used my credit card and that the transactions were fraud. They said I was responsible.

My credit card account with USAA was reported to be 30 days late with all of the credit reporting agencies. This was reported immediately. I brought the account current over 300 days ago and USAA has yet to update my credit report. They reported the late payment immediately and they should have reported the account as current immediately as well. It has been over 30 days and my account is still showing delinquent with a past due amount on my credit report.

This is in regards to a dispute that was filed for 378.00 back in September for my credit card. USAA is now saying I owe 378.00 AFTER I was credited back that amount. It clearly says in writing that I am not responsible for paying the disputed amount, but now I owe after months later? I am very furious & emotional and not planning on using my credit card ever again. This experience has been a complete nightmare. I should not have to keep going back and forth with this process. I waited months to have my money credited back and now they're implying I owe money that should have been given back to me in the first place.

On December 5 & 8 2013, there were suspicious sucked that took place on my checking and saving acct. Had then to do an investigation and in one day they stated that there are checks deposited into my acct and money transferred out to a PayPal acct. And I reviewed the acct with the rep, it's clear that several attempt were made until an amt was able to be processed. USAA hold me responsible for any amt negative reflecting. They did this investigation in one day. My questions was what mobile device was used? Who were the checks from? You have to take front and back photos of the check so whose signature is on the check? The phone number on my acct was changed the first day the activity had taken place, did this not throw a red flag? Do you not know the consistent activity for an acct to see that something maybe off? How can multiple check be deposited and taken out immediately and they allow it? How do you not verify where the check comes from? How can this investigation be done in one day?

So, I owe it to USAA to say a sincere, Thank You! I have been a member for over 25 years and will remain one.

I've been a member of USAA for 20+ years with no problems. It drives me crazy to read the negative reviews from people who write a long, drawn out negative review and actually include evidence showing any fault to be their own. Come on, people! "After losing my job and not being able to make a monthly payment, I was relying on that available credit to live." Oh, what a responsible borrower you are (sarcasm). The fact that you fault any financial institution for stopping any continued losses is absurd. Crying because a bank won't front you unlimited funds while you're out of work and unable to pay doesn't sit well with responsible consumers.

I received a USAA Mastercard a few months ago with a credit line of $7,000 dollars. At first, the services were great; charges were made and monthly payments were low. Granted my interest rate was/is 17% percent, but I've been on time with my payments. In fact, I nearly always paid $50 dollars more than the minimum balance, using the auto-payment method via telephone.

USAA Credit Card Account Number ending in **. By the way I don’t even have a copy of this credit card in my possession. The card was involved in Fraud and scam actions and there is an existing police report at Fort Bend County Sheriffs Office, complaint to the Texas State Attorney General's Office, and letters in dispute at all 3 main credit bureaus in regards to this case. So the card is in continue dispute for scam and fraud. Yet I have paid on this card for being a victim of a crime for the last 3 years. But USAA does not honor any of the legalities involved with this so I am the victim. I was paid as I can on the card but I had become unemployed and there was a charge off to the account. Mind you I have not been using the account - just trying to paid it off as I can but USAA has totally lock the accounts where I have no access..

Well, I haven't researched this problem much except to see that my 0% interest on the $6,800 balance transfers I made to USAA minimum payment is $266.00 that seems outrageous. I haven't even contacted them yet to find out if it's a mathematical error because I'm almost positive it'll be a waste of my time to ask them. So, they must have tricked me with some small print. I mean I compared my previous card (Citibank's) 21% interest for a $4,400 balance and it was only $67. And another card's 21% interest with a $2,500 balance ($4,400 + $2,500 = USAA's $ 6,800 balance) was minimum payment of $60.00. So, $67 + $60 is only $127.00 payment versus USAA's $266.00??? And USAA's has 0% interest?

My wife signed up for a credit card with USAA. The card was activated and purchases were declined left and right. We went to an ATM and the card was declined. We went to Kmart and the card was declined. The only time the card worked was over the internet and the phone. The main problem I have with them is the fact that the account was flagged for fraudulent purchases since she got it. I spoke to a customer service rep who fixed the issue and assured me everything was fine. 4 days later, the account was closed by USAA. When I asked them why, they told me that they decided to no longer do business with us and that we would be responsible for the purchases made on the card. 1 week after that, we start getting calls from the merchants who accepted the card and were told that USAA reneged and told them the card was stolen even though no such call was ever made. So now we have to go through the embarrassment of being labeled as thieves for the rest of our lives, thanks to a trigger happy fraud investigator working for USAA. If you EVER get an offer from this company, DO NOT OPEN IT!!!!!! SHRED IT AND GO ON WITH YOUR LIFE BEFORE THEY RUIN IT!!!!! If this is how companies are "representing" veterans, YOU CAN KEEP YOUR FAKE GRATITUDE CAUSE WE DON'T NEED IT!!!!!!

I made a purchase on my USAA Visa and the amount was charged to my account right away, but the vender has yet to receive payment - During the purchase, I was redirected to verify Visa and struggled with that for a half hour - rejected my info as I read it off the card! I've been with USAA for 40 years and I think I'm done - not just because of this, but this was the final straw. I desperately needed this transaction to go through right away... And try depositing a check online. I have to update "Java" every single time - a 15-minute process - it's a major ordeal. ** USAA.

I have been with USAA for insurance and credit card for THIRTY years, and tonight cancelled everything! The reason? The website showed that I owed money, which I paid, but the account still showed that I owe money so I paid again, etc., resulting in a true "credit" on my account (even though it still showed up as the original balance due). This deceptive "balance due" magically disappeared from the website when I called to complain (actually DURING my complaint call), but luckily I took screen shots before that so I can file complaint with the Attorney General. Further, they said their insurance reps could transfer a portion of that balance to my credit card account, but when I talked to a supervisor to do that I was told that they COULDN'T.

SCAM ALERT - If USAA sends you balance transfer checks that offer no interest for 12 months DO NOT USE THEM!!! ! The fine print they don't mention is that once you use them you will be charged interest on every purchase you make with the credit card from the moment you make the purchase. I used the balance transfer checks and now I am getting charged interest on the entire balance because I use the credit card on a weekly basis to make gas and food purchases. This occurs EVEN IF YOU PAY OFF ALL THE PURCHASES you make at the end of the month. They pay off your balance transfer balance but do not apply your payment towards your monthly totals. Your monthly charges are not paid off so you owe more interest each month.

This is the third and LAST time we will ever try to do business with USAA. This time we applied for a credit card with lots of nice benefits and $0 annual fee. They sent us completely different credit card with an annual fee of $35. I spent the last 83 minutes with several different reps to find out what happened. Apparently, we didn't qualify for the 'better' card and they took the liberty to send us a 'worse' card that cost us money. They never contact us for our consent to get the 'worse' card, as they are supposed to, according to one of the reps. Third time is the charm, I guess. We will never try to do anything with them ever.

I had a secured Mastercard through USAA. Through financial difficulties, job layoff I made the painful decision to file chapter 13 bankruptcy. Upon notification that I filed ch13 USAA automatically cancelled my secured account. I opened the account on the advice of my bankruptcy attorney. It was a secured card and I paid $1500 of my hard earned cash to open that card. I attempted to pay for my lunch at a restaurant on Dec 6th and was told my card was denied. I contacted USAA and a fellow that identified himself as a supervisor by the name of Mark told me the card was cancelled because I had filed ch13. He then went on to advise me that it would be 6-10 days to issue me a refund in full. I expressed to him that I needed that refunds soon as possible so that I could pay my mortgage too and to that he responded "Well how did you expect to pay it otherwise?" I could not believe his snarky remark, talk about unprofessional! I told Mark that I did not care for his tone.

I have a USAA credit card. Payment hold 7 days NOT 10 days. Get the facts straight.... Read the term agreements. Can't handle the term and agreements, cancel the card and grow up.

I am a 13-year member of USAA. Since May 2013, my debit card/credit cards have been compromised 7x. 10/2, I notice yet another Target charge against my checking acct for $365.97. I was told 3-5 days to get my $$ back. Thank God, I had enough $$ for rent. Today, 10/11, still my $$ has not been returned. I called & advised the (so-called manager) of the inconvenience. I have $475 tied up that I have no access to. My student loan payment is late on the count of this again, which bills automatically and was declined because the card # was changed again.

My family has been with USAA for over 50 years. I have a USAA credit card and when I make payments, they can hold them 10 days. Also, they lock your accounts - all insurance, banking, and card for payments and send you to a mobile account. This prevents payments if you owe them. They are also known and warning will cut your credit limit start you high and when you pay it off cut your credit. That hurt all. Not sure why, unless they want you to default. Go figure.

I booked a hotel room with Hotels.com and when I went to the hotel, I found the air conditioner was not working. I asked for another room but the hotel was full and we had to sweat it out. The next morning the hot water heater was broken and we had to take a cold shower... I went to the manager and asked for a new room and he assured me the a/c would be fixed by the time we got back from seeing Mt. Rushmore. When we returned that evening, the a/c was still broken and again I asked for a new room, and again they were full. At this time I canceled the last night of our stay and contacted Hotels.com.

I have been with USAA since 2005. Almost all of my experiences have been wonderful, except with their credit card services. Most people on here are posting novels, so I will try and keep it short, sweet and to the point. I received a credit card with a limit of $8,000. I had a balance on it close to the limit. Once I could afford it, I started putting large payments at it to try and get the balance down low/gone. I went to use the card after paying a few thousand dollars on it, only to be surprised and horribly embarrassed when I was told that my card was declined due to insufficient funds. Thinking that there must have been some incredible error on the bank or store's part, seeing as how I had just made some massive (massive to me, at least) payments, I called USAA to find out what in the world was going on.

In 2010, I had to make a difficult decision to file bankruptcy. I had sought out help from credit counseling agencies and worked with those companies to get bills paid. However, most of the credit card companies said they didn't have to work with me or those credit counseling agencies, and with that, it left me no choice. I consulted several attorney and credit counselors and was told the same: If the company refuses, you are better off. I spent months pondering and researching and came to the same conclusion. I filed bankruptcy and yes, had a credit card with USAA and they were on the list.

I have a credit limit of $2000. It had a balance of $1900. I needed to use the card, so I made an $800.00 payment 3 weeks early to be able to make a purchase. They told me that there was a hold on it, even though they had already taken out of my checking account and put it towards my balance, which dropped it to $1100.00 with a credit of $55. I find this unacceptable. I have been with them for 25 years and have always paid my bills and now this is what I get for being a customer? They also told me that it could have been from making a large payment or that my credit score has dropped (so what). They should not go on other people’s words - they should go with what they know. I will never use them again!

Trying to pay off credit card debt - USAA is the worst company I have ever dealt with. I've been associated with them for 35 years, home owners’ insurance, auto insurance, credit card. My business crashed due to the economy two years ago and has been legitimately trying to pay off my debt. I've been cash only for 4 years now. I have been paying them every month and $2,000.00 per year. I owe as much now as I did 4 years ago. Even though I haven't used the card in 4 years, they still keep adding late charges and interest. I won't have it paid off for 10 more years.

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".

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.

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.

I have been a lifetime USAA member (father was a lifer in the USAF) and in 2002 I married a captain 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.

All of you folks complaining about USAA demanding payment on your credit card need to wake up! You used their money to make purchases you cannot afford. I don't care if you lost your job. If you don't have the money, don't spend it.

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.

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.

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.

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?

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.

I became a member a few months ago. I wanted to change my card holder to USAA. I was approved for the new card, but when I tried 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 asked for. And still, they were not satisfied 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 mailed it back to USAA. Never, never again. Those incompetent USAA employees.

They reduced my credit line from $9000 to $1000 even though I never was late on a payment and my income never changed. Lack of credit limit has caused the possibility of an emergency to not be available if the situation arises.

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.

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.

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.