Consumer complaint received 2023-02-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
USAA believe they can do whatever they want. I'm fully aware that USAA has been knowingly and willingly violating my rights, their own policy and federal law with their unfair, deceptive, abusive practices or services. USAA have been in the news over the pass recent years of paying out big financial fines from OCC, CFPB, FinCEN ... its a pattern of racketeering activities of closing deposit accounts, credit card accounts without seeking customers ' required authorization or providing timely notices. 

while speaking to multiple people and informing them of the multiple adverse actions and violations USAA continue to conduct. in the different departments because of the lack of being able to answer simple policy questions, concerns and more they didn't know their own deposit agreements and/or credit card holder agreement. this adverse action is something that violates my customer rights and federal consumer protection laws. 

the credit card account limit ( {$8000.00} ) was decrease in the month XXXX of XXXX to ( {$2600.00} ) in the month XX/XX/XXXX, after making a {$7000.00} payment which didn't violate any policy or agreement. that adverse action in changing the original terms cause my credit score to drop drastically. 

on XX/XX/XXXX USAA closed my credit card account which is another adverse action according to 15 USC 1691 ( d ) ( 6 ). I received a phone call from USAA attempting to collect an alleged debt stating that the account is past due and the account was close on Wednesday, XX/XX/XXXX. I stated that I sent over a ( via ) fax, through the electronic portal a revocation of debit ( especially ACH debits ) attached to any account associated with my name with USAA, but they ( USAA ) continue to debit my accounts that only for electronic payments ( by definition according to 12 CFR 229.2 ( p ) means a wire transfer or an ACH credit transfer ). what I noticed is that USAA will conduct the " electronic payment '' that can not be returned once the payment is ( actually and finally collected ) makes it final and " irrevocable '' which I will upload the evidence of the completed payments from their portal access. by their unfair, deceptive and abusive practices they will run that same amount on the same day as ACH debit payment ( which can be returned for multiple reasons ) ... which the accounts I used to tender those electronic payments were deposit only account to process " electronic payments '' and not any form of debit payments. hence why I revoked authorization to stop debiting my accounts for that second payment each time. I submitted a stop payment order according to 15 USC 1693c and over the phone they said it will be honored but never was. I made multiple payments since then and USAA continue to process the electronic payment and ACH debit payment which is two complete different payments and causing my credit card account to not be available to use for personal and household use. 

I spoke with multiple representatives while they kept passing the buck and even escalated to the executive office where I spoke with someone else. nothing was resolved.

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