Consumer complaint received 2021-07-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Good day Sir/Maam, how's everyone doing during this pandemic, hope all is well. 
I'd like to ask your office for assistance with this matter. 

My name is : XXXX XXXX Back in XXXX XXXX I called XXXX XXXX insurance company to give me a quote for $ XXXX coverage with a 20 year term universal insurance, in which later I found out from the agent of XXXX XXXX by the name of XXXX XXXX that he put me on hybrid plan in which I didn't know anything about it's because I've seen my credit card was charged, needless to say I was mislead into signing up for this plan and not the universal plan I wanted, when really I was only inquiring and not commited to sign up, because he said this quote $ XXXX/month is not finalized until i get my medical/blood works test done and the result will determine my fixed monthly premium would be, that said it wasn't explained to me correctly.I was only interested with comparable monthly premium rates ( lower $ XXXX/month for the same coverage and term ) I got from different insurance companies.I mentioned this to the agent Mr.Radcliffe he then offered me a temporary monthly rate of {$46.00} for 20 year {$300000.00} the way he explained to me that I was gon na be offered the final monthly payment once my XXXX XXXX result come in and get the final offer.He then said my bank info.was required to proceed with the application, he would then touch base with me to schedule for my XXXX XXXX testing, and for the test result and final offer.After I gave him my bank info and got a temporary quote via email it was different from what I wanted to begin with, again I only inquired back in XXXX XXXX and to get a quote, we both agreed I will sign up after my test results comes back and get the final offer.I was surprised I was charged, so I made numerous calls to XXXX XXXX insurance company and only got the run around because this insurance mislead me from what I asked for, I called and left messages to MrXXXX and his team several times to get my refund, ( why cancel if you may ask, it's like me admitting to signing up with hybrid plan and there wasn't any mislead happened on XXXX 's part, when I didn't even sign up to begin with ) .After my XXXX XXXX  test result came back and I called to get result and asked for what my final monthly premium rate would be, around a month later, XXXX XXXX sent me a letter and said my payment schedule was changed to around upper {$50.00} 's monthly.So when I didn't get a resolution with XXXX XXXX, I was prompted to call USAA my debit card USAA bank prior to the XXXX XXXX XX/XX/2021 I was issued a temporary credit of disputed amount, but then XX/XX/XXXX I received an alert from USAA saying thwt they were going to reverse this temporary credit because of what was said by XXXX XXXX insurance company.I had explained to XXXX with USAA bank back in XX/XX/XXXX i was mislead by XXXX XXXX XXXX agent, his name is : XXXX XXXX, after I have expressed my disappointments with regards to the way my claim was handled by USAA, also I mentioned that they just lost a client and I will be leaving USAA bank and for them to return my balance on this checking account # XXXXMembership # XXXX week later I'm still able to log in with USAA and XXXX, didn't close my account and I haven't received my funds or application to withdraw my balance on this account.Thank you in advanced for your involvement with this matter.If you need to get a hold of me for clarification and more information, you may call me at:XXXX, email address : XXXX.Mailing address:XXXX XXXX  XXXX XXXX # XXXX ; XXXX XXXX, California XXXX.I look forward to speedy resolution of this matter.Stay safe , healthy & fit.God bless & stay blessed!

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