USAA Savings Credit Card Complaint

USAA Savings Credit card department,

Billing disputes Michigan

RE : Unauthorized charges on my credit card from USAA, account restricted, unable to reach a representative within a reasonable amount of time and refusal to investigate my claim. I am a married father of - young girls, run - separate business : Build custom homes, Promote large events and provide entertainment services for Weddings, - 's, charity events etc ... I have a highly regarded reputation, provide my services for many of the wealthiest families in Michigan and I have a great credit history with all my lenders. However, my latest experience with USAA regarding unauthorized credit card transactions have been incredibly frustrating and time consuming. Around - -, I was unable to log into my USAA account, I made numerous attempts to contact USAA, but once my hold time exceeded - minutes I would hang up, hoping to find a better time to reach them. Finally, on - -, at approx. - I reached a


her all the charges from - - 2016 to the present were unauthorized. I identified these charges and incredibly this fraud investigator refused to take my report. She informed me that since my card was revoked. ( NOTE : card was revoked due to fraud transactions ) She was unable to take the report and transferred me to the Debt solutions department. Debt solutions dept. was not open, therefore I had to call back the next day. On - - at approx. - I contacted -, this took - attempts and over - minutes of hold time. At - the next day I called and after more hold time lasting over 30 minutes - from the - answered. ( This is a different - with same first name as the Fraud departments investigator ) This gets better, - also informed me she was unable to help and placed me on hold for over 30 minutes. Finally, I could not keep holding and hung up. Days later - -, USAA reported my account revoked and a balance of $ - this lowered my credit score by - pts. and will jeopardize a - figure construction loan i MUST apply for in a few weeks. I have exhausted every reasonable attempt and my only other alternatives are complaining to government agencies and follow up wit Civil action. During my conversations with USAA I did warn them of reporting inaccurate information to the credit bureaus as my ability to finance real estate to develop would be in jeopardy. I have also emailed these concerns and mailed certified letters the - disputing the balance USAA is currently reporting. It is also important to note that over the last few months I have paid over $80000.00 towards my revolving lines of credit per advice from my loan officer in preparations to obtain a large ( - figure ) construction loan