USAA Savings Credit Card Complaint

USAA Savings Credit card department,

Credit line increase/decrease Pennsylvania

My husband and I have a joint credit card with USAA. We had mistakenly thought we made a payment on it, and we had not. Our mistake lead to us somehow going only - dollars over the " limit '' which I 'm not sure why they allowed in the first place. Instead of contacting us to inform us that we were over the limit, which we would have payed instantly, they reported it to the credit bureaus and our scores have both dropped by - points. Upon trying to contact them to resolve or dispute this issue, I was transferred around in circles between USAA and - for - minutes, and could not find a single person to explain why it had happened or provide any type of resolution for the future.