Consumer complaint received 2016-05-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
USAA Federal Services Bank and I entered into a written and signed contract for a USAA issued XXXX on XXXX/XXXX/XXXX. That USAA XXXX account is still open and in good standing. USAA sent me on XXXX/XXXX/XXXX XXXX new USAA XXXX cards with different account numbers saying they will no longer honor our contractual agreement for a XXXX and will end XXXX service on XXXX/XXXX/XXXX. I do NOT desire and did NOT request the XXXX XXXX cards, nor sign ANY agreements for them. On the day received I phoned USAA and requested they be removed from my account as they were undesired, unauthorized, and I feel issued fraudulently using my XXXX bank data by USAA. I did NOT " activate '' the cards unsolicited and sent me. USAA was instructed to cancel those XXXX accounts immediately and remove ANY and all data from any credit reporting bureaus or other records that they created associated with my name.USAA claims they had the right to change Credit Card companies and issue cards to another service card company without the members permission. What 's next - XXXX XXXX XXXX, XXXX XXXX showing up in the mail I did NOT request? No, I feel it Bank Fraud for a Bank to issue its members credit cards without their express permission. I expressly told USAA to remove any record of the cards existence and desire to close my USAA XXXX account on XXXX XXXX XXXX. I asked USAA to write a letter to the XXXX credit bureaus requesting any reference to the USAA issued XXXX cards be removed and that the data was entered by USAA without Member permission and annotate the USAA account closed at consumers request to preclude any adverse credit reporting to the credit bureaus - USAA refused to write the letter detailing their opening the XXXX account ( s ) without my ( and XXXX of other members ) permission. On XXXX/XXXX/XXXX got a USAA XXXX invoice for XXXX charges made and sent payment for full amount to USAA Payment center with letter instructing full amount paid is to be applied ONLY to the XXXX card Bill and NOT to any XXXX Card accounts made by USAA against my permission. Calls to USAA reveal USAA had taken it on their own to transfer the USAA XXXX account balance from the open XXXX account to the new USAA created XXXX Account cards against my express written instructions ( letter available on request ). This created an unauthorized XXXX cards account history by USAA - an adverse credit reporting action action since USAA still had not closed the XXXX account per consumer request at the time the request was made. On XXXX/XXXX/XXXX I received a USAA Invoice for the USAA XXXX credit card account that I had instructed USAA to close on XXXX XXXX XXXX and again instructed closed on XXXX XXXX and XXXX XXXX. The statement shows USAA transfer of XXXX balances to their new ( unauthorized and undesired ) XXXX XXXX. I called USAA to demand closure of ALL Credit Card accounts ( ) XXXX and XXXX ) as they were incompetent and untrustworthy to follow consumers directions for account closures and records corrections to the XXXX credit bureaus. I believe USAA is acting fraudulently in creating credit accounts and sending out new credit cards with a different service provider without the members written permission. Anyone else applying for a credit cards using ones information without permission would definitely be considered Id theft and Banking fraud. For an issuing Bank to issue cards without members permission I feel is also credit fraud and Id theft at an institutional level. As of today I have brought all credit card balances to {$0.00} and directed USAA to close ALL USAA issued credit cards at consumer request. Who wants to bank with a financial institution that issues credit cards and affect ones credit ratings without the members permission? - Not me and neither should anyone else! USAA should have gotten signatures on new contracts for the XXXX cards to change properly and legal

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