Complain about a product or service

USAA Credit Card

Paul of Cottage Grove, WI December 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.

Anne of Oak Harbor, WA February 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.

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

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