Consumer complaint received 2017-04-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been a Policy Holder with  USAA  since  XXXX  as well as a Credit Card Holder for more years than I care to remember. The past several years my credit cards have been hacked into where services or products were ordered by the HACKERS. I notified USAA and they were Quick to provide me with New credit cards as those cards that were hacked into was Deactivated. This happened so often it was sickening. During  XXXX  I wrote to the Texas Department  of  Insurance. They contacted USSA &amp;  XXXX   XXXX  in the  Executive Soloutions D epartment who was assigned to resolve my issues. He did nothing, no return calls or e-mail replies as others in the Credit Card Department who were assigned to look into all the DISPUTED charges and never questioned the vendors who charged my credit cards for unauthorized purchases. I then CANCELED both cards on or about  XXXX   XXXX   XXXX  which had a combined credit line of  XXXX . I filed a Formal Complaint with the  XXXX  Credit Card  XXXX  on  XXXX   XXXX   XXXX . I went on line yesterday  XXXX   XXXX .  XXXX  is alleging I was delinguent in not paying {$360.00} in which USAA lied. I had a  XXXX   XXXX  ) Balance.. It was I that closed out my Credit Cards with USSA. As a result of their actions, my FICO score of  XXXX  was reduced to  XXXX . USAA tarnishes my character &amp; reputation by their untrained negligent personnel.. In all my dealings with lower eschlon personnel, Supervisors and  Executive Solutions Personnel,  who never returned my calls, and through this Fiasco of the la st 3  or 4 years where I never get to speak to the same person twice. When I call USAA I have to undergo Cross Examination as if I was a criminal. They want my USAA Membership  # which is  XXXX , My telephone #  XXXX   XXXX   XXXX . My  XXXX  letter PIN #, My Social Security #  XXXX  's Maiden name and the  XXXX  numbers that appear on the TOKEN that was given to me. Now that I passed scrunty I was asked the name &amp; person I was to speak to. That person was NEVER there. I sent e-mails even to the USAA CEO  XXXX   XXXX , never to receive the courtesy of a reply or asknowledgement of the CEO  XXXX  who never assigned some person to respond to my phone calls or e-mails. Is it any wonder that I canceled both credit cards?  XXXX   XXXX  requesting that CFPB conduct an Investigation AND an INTERNAL AUDIT a t USSA in   XXXX   XXXX   ,  Texas  XXXX  so the CFPB can uncover how ill traine d USAA actually is in that one Dep artment does no commucate with another. It 's so inefficient, you could pull your hair out in scher disgust.    USAA had requirements of being a   XXXX   XXXX   to be come a member. However. the services which was  Superior at one tim e diminished  to Poor &amp; Abominal, w hich is why with thousands of Officers leaving USAA in droves. and the loss of millions of dollars  in Premiums &amp; Billing in the Credit Department, USAA now  has operned their doors tyo anyone foolish enough to want to be  a USAA member. The USAA i knew  is long gone &amp; the proper send off whould have been to have a  Funeral Service for USAA. Please acknowledge receipt of this inclusive Bill of Particulers.Further   XXXX  is now conducting an investigation as requested by me on  XXXX . I have no doucuments to submit at this time. My hone phone # is  XXXX   XXXX . My e-mail is  XXXX  XXXX  XXXX . I extend my best wishes to you at this time in attempting to resolve these issues, especially having my FICO Score to returned to  XXXX  I have NO Debts, No Mortgage or Car : Loans or Personal loans. I asm financially secure and sound as I have NO Debts which is worth repeating.   Respectfully Submitted  XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief