USAA Savings Credit Card Complaint

USAA Savings Credit card department,

Credit card protection / Debt protection Arizona

I paid for a " new engine '' to be installed in our truck by - - - - -, located in - -, AZ. The total cost was $7700.00. Later we noticed problems with the engine. We took the truck to - where they went over everything on the engine. - quoted to fix " engine related issues it would cost $4900.00. To fix a hole in the transmission that - - admitted to drilling will cost another $ $4200.00. The headlight also was not re-installed correctly, resulting in them falling out. - quoted $760.00 to repair the lights. Total damages $9900.00. Plus I now owe my USAA credit card $7700.00. I contacted the owner at - - many times trying to get my truck fixed. We once took it in after getting the " new engine '' to get a transmission leak fixed that they caused. They fixed the leak and broke my mirror. They admitted this after I confronted them with it. The owner ( - ) said he would order me a new mirror, which I never received. I tried to work with the shop but each time it took longer than expected and we ended


I provided within a timely matter and the time allowed all of the documents documenting my unfortunate journey, in the documents I provided all of the documents from - and the quote to fix " engine related issues '', the hole in the transmission that - - admitted to drilling so they could align the torque converter and the estimate to repair the lights that were improperly installed. I also advised USAA that I had spoke with the Owner in a recorded conversation asking for him to cover the costs so - could repair my truck, since I had good reason not to trust his shop. A dispute was opened under defective merchandise. Around -/-/- I called in to USAA and asked for a status update. I was advised that they had 50 days to make the determination from the date the case was opened and that I would receive a letter in the mail with the final decision. I asked " So I should receive it by around -/-/- with the mail delay, correct? '' I was advised that, yes that was correct. When I did n't receive anything in the mail I called in on -/-/-. I spoke to a gentleman ; I wanted to see the status and to see why I did n't receive a letter. Nothing had been posted to my USAA online account either ; nothing is messages nothing to the account. He advised me that the dispute had been favored on my behalf and that I would NOT be responsible for the charges. What I received in the mail was a copy of a court case I had opened and then closed in this case. Along with a letter to - - stating that $7700.00 had been debited from his account on -/-/-. Then I receive a letter dated -/-/- stating that " After a thorough investigation of the credit card transaction dispute below, we determined that the transaction to be valid. '' I immediately called USAA and was advised that it appeared that USAA made a last minute discussion and did n't give me a chance to make a rebuttal to their claim of my court case. I was advised I could ask for a credit card dispute reinsertion, which I did, via a letter through the mail. A letter dated -/-/- arrived from USAA stating the same thing. That USAA " determined the transaction was valid and that the transaction regards a service or merchandise that you used and paid for, and the documentation from the merchant indicates that they have complied with the terms of the agreement. '' I paid almost $8000.00 for a " new engine '' only to receive a damaged vehicle needing a new $9900.00 worth of work. How can consumers be treated this way