USAA Credit Card Reviews & Complaints

Page 4 Reviews 230 - 380

CharlesRockville, MD

Reviewed Jan. 9, 2009

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

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JoyceAndrews, NC

Reviewed Dec. 27, 2008

USAA sent me two letters stating that they were changing the Amendments to My Credit Card Agreement. This means that current low interest rates would go up to 8.90% on one card and 9.90% on the other card. I feel that this should be against the law. They should be held to their original agreement which was mutually agreed upon between the bank and myself, the consumer. What good is a contract agreement if one party or the other can opt-out and fraud the other? Who is looking out for the average Joy the Small Retail Shop Owner?

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PetrinaStewart, TN

Reviewed Nov. 12, 2008

My husband and I have been customers of USAA as soon as they opened it up to the enlisted, 1996. We were SO PLEASED with them, we have everything through them! Mortgage, multiple car loans over the years, insurance policies on cars boats house, we have 3 checking accounts and our kids have checking accounts, and an investment account, we have a credit card account that we recently upgraded in Nov 2007 to a platinum account . Like I said we have it ALL!!!

They were a GREAT bank we trusted our lives with them! Their customer service was superb! UNTIL, we noticed problems when they started the whole automated phone CRAP... Their customer service was not as great, I ENJOY talking to a live person! And I HATE going through 100 prompts to get to one... We have made mistakes in the past of overdrawing our account, we would call them when we found our error and they would give us a cash advance on good faith. We didn't make many errors, but it happens... If we needed to skip a payment due to a duty station change, it was never any problem... We showed a good payment history. BUT, in Jan 2008. USAA caused us a HUGE mess... We had switched our USAA Visa card Nov 2007 (we had the card since 1996) to a USAA Platinum card, we had an increased limit to 16, 000.00 and moved over the balance of 10, 000.00 from the other USAA visa card. My husband switched duty stations, Jan 2008 he was paid part of the moving expenses from the Military about 6000.00 so we put it on the Platinum card, thus lowering our amount, and increasing our available amount. We did this because we have to show moving expense receipts, and what over we paid on the card would go towards the balance of the card to pay it down, and our checking accounts have bills that come out monthly it was less confusion for all the transactions to come out of one account. Jan 2008 my husband in route from Ft. Campbell to Ft. Eustis, fills up with gas a few times, books a hotel with his USAA platinum card, when he goes to check out of the hotel 5 days later, the transaction was DECLINED. We had over 7, 000.00 available on the card, USAA pulled all of our available credit and decreased our limit to 10, 000.00 without notice! My husband in route and money was to be used for moving expenses were GONE... We got the BIGGEST run around from customer service rep to customer service rep. and NOTHING was resolved, we explained the situation, we had no problems with our payments... But USAA would do NOTHING to put back the money, to help in any way!

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PaulCottage Grove, WI

Reviewed Dec. 20, 2007

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

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

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AnneOak Harbor, WA

Reviewed Feb. 8, 2007

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.

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DavidSan Diego, CA

Reviewed Oct. 17, 2003

USAA Credit Card Services made a derogatory mark on my credit report in September 2003 and when I requested in writing that they investigate this report (which I believe to be in error) they failed to do so within 30 days as required by the Fair Credit Reporting Act(FRCA). When I confronted them with this information and informed the manager handling my case that under the FRCA they are required to remove the derogatory report, he became indignant and hung up the phone.

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.

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