Complain about a product or service

USAA Credit Card

ERIC of CLYDE, TX July 14, 2009

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

William of Weatherford, TX August 18, 2009

I have been a member of USAA for 46 years, and recently received a message stating I would receive a message of importance. Then I received the message, sign up for electronic delivery and their web page or else no service. I have life insurance, banking, credit card, mortgage, auto insurance, homeowners insurance and brokerage service. I checked with several members and they did not have such actions but neither one had a brokerage account. They did not receive such a message either. I do not want electronic delivery of documents; I do not wish to use my ink and paper to print out the documents they are obligated to send to me. So I refused to sign up. They blocked me from access to my various accounts by email. I had to use the phone to confirm a transaction, it worked. I guess I am gonna have to deal with USAA via USPS or telephone. No more web page. This leads me now to consider other options regarding auto and homeowners insurance. Since USAA is an association, it has a Subscribers Savings Account (SSA) that is used to provide a financial base to the association. They will have to refund the money to me if I quit using their casuality insurance; they will lose about 4,000. Seems kinda foolish on their part but its their choice. I have used their web page since the activated it. Been about seven or eight years, maybe even 10 years, but now I guess I am locked out.

MUHAMMAD of WILLIAMSBURG, VA August 3, 2009

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

Joshua of Asheville, NC April 29, 2009

I switched all of my transactions to be online, including opening USAA bank accounts online in order to better keep track of my finances. They closed all my accounts and declined internet access because of late payment. Never a single electronic bill, e-mail or warning. Its the 21st century people. Some of us move around and don't walk to a mailbox every day. When I set up online transactions, try sending an e-mail! Or, you could admit that you are at fault -- which is something these companies won't do.

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

Howard of Silver Creek, GA March 25, 2009

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

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

William of Midway Park, NC March 19, 2009

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

Thomas of Blanding, UT March 12, 2009

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

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

Paul of Dover, DE February 9, 2009

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

Charles of Rockville, MD January 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?

Joyce of Andrews, NC December 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.

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

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