Consumer complaint received 2023-12-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Good Morning, Here within this document are Exhibits/ Documents of errors in the accounting of XXXX XXXX Credit Card account XXXX XXXX XXXX. 
The accounting information came from USAA database. 
There is a Conflict in the databases on the amount of overpayment XXXX XXXX has made, the only consistent variable is over payment. 

XXXX XXXX ran three inquires using the USAA database. 
The difference in the three inquires are the timelines. These timelines are 18 months ( XXXX ) ; month to month ( blue ) and XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ). 

The 18 month ( XXXX ) data revealed an over payment of {$190.00}. Oddly this timeline popped up, XXXX XXXX does not know how that happened. Never the XXXX the inquiry was ran. 

XXXX XXXX ran the second inquire ; month-to-month; assuming that the difference was previous month unpaid balance {$190.00}. 
This inquire revealed that an over payment of {$870.00}! 

The argument used in defense of this error was " debt incurred between billing cycles >> time line. 
The time line variable was eliminated by the use of the day, XXXX and only changing the month keeping the same year. Review Exhibit ( blue ). 
XXXX XXXX then made summations of " Payments/Credits and " Charges for each month. Surprisingly overpayments were not carried over the next month or credited to the Credit card account in the next billing cycle. 
For example ; Blue exhibit, XXXX XXXX XX/XX/XXXX there is an overpayment of {$140.00}. However there is no credit in the XX/XX/XXXX, XXXX XX/XX/XXXX accounting! 
Sadly this is a reoccurring event in XXXX XXXX Credit Card account, Totaling {$870.00} by this month-to- month process. 

Even more disturbing is the Yellow exhibits and accounting process! The time line here ; XX/XX/XXXX XX/XX/XXXX again XXXX XXXX used the USAA database, clicked on " Charges and " XXXX Credits and again an overpayment of {$960.00}. 

Summation : The accounting process has serious problems. 
XXXX XXXX would like to know if USAA Credit Card XXXX will credit his account. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX -- -- -- -- -- -- -- -- -- - USAA XXXX XXXX Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Good Morning XXXX XXXX, I hope your XXXX is pleasant. 

The matter at hand is this disturbing letter received on or about XXXX XXXX from XXXX XXXX XXXX XXXX, USAA XXXX XXXX XXXX Enclosed is the letter. 

Sir, I have submitted several*certified mailing concerning my credit card XXXX. 
These concerns were overpayment reflected in the USAA database to which I have not receive a proper explanation to the calculations that were reported on my credit card statements. Because of this XXXX XXXX froze my credit card account for the second time on or about the same date as I made the {$910.00} payment which was XXXX XXXX. 

Sir, in Exhibits XXXX ( yellow ) and XXXX ( orange ) support my argument of overpayments of {$560.00} to my credit card account! 

Sadly Sir, the letter of XX/XX/XXXX states a " delay of processing of a payment that was recorded by USAA as received XX/XX/XXXX! 
XXXX XXXX then offers a strange and inappropriate refund of {$1.00}. 

Sir, May I ask your intervention into this matter, as my intentions are to secure a stronger bank for the military. 

Sincerely, Credit Card Account : XXXX *Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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