Consumer complaint received 2020-07-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX - checking account ending XXXX Credit card - Signature Visa - XXXX Calling the MAP Dept which is the Credit card department OF USAA BANK for a Payout Amount since the of DATE OF XX/XX/2020, just to noticed my accounts have Systematic Mastic HOLD on deposits when I am trying to pay-off the amount of the credit card, and waiting 2-3 hours ON HOLD when calling only to realize unable to speak to anyone on my only weekday off which was Tuesdays. 

After many calls and no one returning my calls dialing this XXXX several times more than 10 times, then final on XX/XX/2020, after leaving the auto repair shop time XXXX XXXX, I receive a call from XXXX from the MAP Department Credit card Department stating the approval for the Payout was accepted for XXXX! However I was thrilled they had approved the amount, but I had to pull over to stop to speak to XXXX ( USAA MAP Credit Card Services ) from XXXX XXXX XXXX in XXXX, thus focusing on my driving and getting off the road in order not to cause an accident. This was my main focus at this time. However, XXXX  stated I had until XX/XX/2020 to pay off the XXXX  amount. I did pay off the XXXX  without the problem but then when the focus on Corona Virus, living in an apartment with Mold/Mildew leakage within the roof of the dwelling apartment thus concerned about the office equipment from my employment and trying to get out the leasing contract in order to move away to another apartment. The end result I forgot about the last payment and due date XX/XX/2020. However, when I made deposits to make the payments on the balance, my account was placed on hold and delaying the process of the payouts. Therefore, when the deadline of XX/XX/2020 came about the Payout Amount was defaulted and another XXXX  was added to the balance plus interest.

XX/XX/2020 New Balance XXXX  CREDIT CARD PAYMENTS : XX/XX/2020 XXXX  XX/XX/2020 XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX   Payments equal XXXX  XX/XX/2020 NEW BALANCE XXXX  XX/XX/2020 XXXX  transfer Deposit XX/XX/2020 XXXX  on hold meaning Unable to make Payout the above remaining balance UNTIL XX/XX/2020 AND USAA CREDIT DEPARTMENT SERVICE DEPARTMENT ADDING INTEREST TO A XXXX  BALANCE AND PLACING DEPOSITS ON HOLD AND DEDUCTING INTEREST FROM A XXXX  BALANCE XXXX  BALANCE.

XX/XX/2020 XXXX  PAYOUT TOTALXX/XX/2020 XXXX  PAYMENT FROM SAVING ACCOUNT _______ BALANCE OF XXXX  PAID OFF -XXXX  BALANCE BALANCE XXXX XXXX  AMOUNT PAY OFF ABOVE PAYOUT XXXX XXXX  -- -- -- -- -- TTL AMT PAYOUT XXXX XXXX  AS OF XX/XX/2020 XXXX  BALANCE AS A HOLD AMOUNT WITHIN THE CREDIT CARD STATEMENT XX/XX/2020 SHOWING NEW BALANCE XXXX AS A REFUND CREDIT FROM THE BALANCE OF XXXX BALANCE ( UNDER THE MINIMUM PAYMENT DUE DO NOT PAY STATEMENT DATED - XX/XX/2020 THEN ON 7 DAYS LATER XX/XX/2020 AN UNAUTHORIZED XXXX DEDUCTION FROM CHECKING ACCOUNT ( XXXX ) PLUS INTEREST FEE XXXX I WANT MY XXXX RETURN TO MY CHECKING ACCOUNT ENDING XXXX WITH INTEREST ON DAILY BASIS JUST AS I WAS CHARGED INTEREST ON DAILY BASIS. 

WITH THE DEDUCTION FROM MY CHECKING ACCOUNT ENDING ( XXXX XXXX I WAS NOT ABLE TO PAY MY MONTHLY RENTAL PAYMENT AND HAD TO BORROW MONIES FROM FRIENDS TO PAY MY RENTAL FEE FOR THE MONTH OF XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation