USAA Savings Credit Card Complaint

USAA Savings Credit card department,

Unsolicited issuance of credit card District of Columbia

On -/-/- I received a letter from a - - -, Executive Director, Member Debt Solutions, USAA Federal Savings Bank, that payment on my USAA credit card account ending in - was past due and I owed $39.00. I thought this was a problem because I do not currently have a USAA credit card. Over a year ago ( -/-/- ) USAA decided to transfer all of their credit card accounts from Master Card to Visa. Since I had not used the USAA card in ten years I chose not to activate the Visa card they offered, leading me to believe that I did not have a credit card account with USAA as I had not authorized issuance of a new card account. When I called regarding - - letter I was informed that my current USAA Auto Insurance bill had been charged to the Visa card that USAA had offered but I had not activated. I had not received notification of that charge nor did I authorize the charge. Yet it was


not activated. USAA claims they just " transferred the - - '' account. This feels to me like they opened a new credit card account without my expressed permission and then started charging that account without my permission. As a consumer these actions feel very much like what happened at - - - the bank opening accounts without the account owner 's permission. I paid the outstanding auto insurance bill in full as soon as I realized what was going on AND the late payment credit card fees that USAA added on to it. I would like USAA to refund the late fees and remove 'late payment ' reports from my credit report.