Consumer complaint received 2018-11-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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:
I ADDED COUPLE OF AUTHORIZED USERS TO MY CREDIT CARD IN THE HOPE OF HELPING FAMILY & FRIENDS TO BUILD THEIR CREDIT WHICH IS COMPLETELY LEGAL UNDER THE CONSUMER LENDING LAW. IT IS STATED IN THE FDIC LAW SECTION 226.12 STATES Persons to whom cards may be issued. A card issuer may issue a credit card to the person who requests it, and to anyone else for whom that person requests a card and who will be an authorized user on the requester 's account. In other words, cards may be sent to consumer A on A 's request, and also ( on A 's request ) to consumers B and C, who will be authorized users on A 's account.I received a call from the USAA financial dispute department stating that i am being investigated for what? idk, she claims i have a lot of people added on my account and all these people are only authorize users just helping my friends and family to give them a little credit boast which all credit card company promote. I have researched and read through a lot of book to find any credit act stating adding authorized user is not allowed. I have been a customer for over 5 years and i have maintain a great financial history, never missed a payment and 100 payment history with USAA. My checking account is been frozen and i am getting a bill from USAA for the past 2 months for over 5 loans and credit card that i have with them not considering the fact that my funds are held my them. I need all my funds released and all my account reinstated cause USAA are violation of my consumer right. EC. 101. PROTECTION OF CREDIT CARDHOLDERS. ( a ) ADVANCE NOTICE OF RATE INCREASE AND OTHER CHANGES REQUIRED. ( 1 ) AMENDMENT TO TILA.Section 127 of the Truth in Lending Act ( 15 U.S.C. 1637 ) is amended by adding at the end the following : ( i )  ADVANCE NOTICE OF RATE INCREASE AND OTHER CHANGES REQUIRED. ( 1 ) ADVANCE NOTICE OF INCREASE IN INTEREST RATE REQUIRED.In the case of any credit card account under an open end consumer credit plan, a creditor shall provide a written notice of an increase in an annual percentage rate ( except in the case of an increase described in paragraph ( 1 ), ( 2 ), or ( 3 ) of section 171 ( b ) ) not later than 45 days prior to the effective date of the increase. ( 2 ) ADVANCE NOTICE OF OTHER SIGNIFICANT CHANGES REQUIRED.In the case of any credit card account under an open end consumer credit plan, a creditor shall provide a written notice of any significant change, as determined by rule of the Board, in the terms ( including an increase in any fee or finance charge, other than as provided in paragraph ( 1 ) ) of the cardholder agreement between the creditor and the obligor, not later than 45 days prior to the effective date of the change. ( 3 ) NOTICE OF RIGHT TO CANCEL.Each notice required by paragraph ( 1 ) or ( 2 ) shall be made in a clear and conspicuous manner, and shall contain a brief statement of the right of the obligor to cancel the account pursuant to rules established by the Board before the effective date of the subject rate increase or other change. ( 4 ) RULE OF CONSTRUCTION.Closure or cancellation of an account by the obligor shall not constitute a default under Deadline. Deadline. 15 USC 1602 note. 15 USC 1602 note. VerDate Nov 24 2008 19:26 Jun 01, 2009 Jkt 079139 PO 00024 Frm 00003 Fmt 6580 Sfmt 6581 E : PUBLAWPUBL024.111 PUBL024 kgrant on POHRRP4G1 with PUBLIC LAW 123 STAT. 1736 PUBLIC LAW 11124MAY 22, 2009 an existing cardholder agreement, and shall not trigger an obligation to immediately repay the obligation in full or through a method that is less beneficial to the obligor than one of the methods described in section 171 ( c ) ( 2 ), or the imposition of any other penalty or fee. my credit card were cancelled without notice and my bank accounts were also frozen without notice. My online access was restricted and keeping up with all my loans and bills with USAA is been tremendously difficult has i have other accounts and business account to deal with. I need proof stating i am in violation of my credit card usage and i am open to escalating even if it requires going to court. I have contacted my attorney and if this matter is not resolved 10 business days we will be pressing charges for consumer right violation.

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