Consumer complaint received 2020-06-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I have a USAA Visa card .On XX/XX/XXXX XXXX arrived at my house and to treat my house for for termites. They asked for a credit card and i advised them i would pay by check because we have a hacking epidemic in America .I gave them the check for {$720.00}. They treated the house in a very unsatisfactory fashion. Several days later i called another local termite company and they showed up with a 5 ton truck loaded with chemicals under pressure vs. XXXX hand held squirt can. I now new soemthing was definitely wrong. I paid the 2nd contractor {$600.00}. 
On XX/XX/XXXX i checked my credit card and found that XXXX had charged my credit card that i had never given them. I immediately called my credit card company USAA Visa and reported the fraud. If you google complints about XXXX you will find many complaints. One day later i was called by XXXX supervisor in XXXX and asked for an additional {$900.00} dollars. Yesterday i receivedfor $ XXXXI have emailed XXXX XXXX XXXX XXXX., phone # XXXX XXXX XXXX XXXX - XXXX. The articles on=btained on the google search will demonstrate this is how XXXX does business. In the last quarter of XXXX they were successfully sued for {$6.00} million dollars. 
I filed a complaint with USAA and received a letter back ( XX/XX/XXXX ) that i had not provided enough information. During the process of filling the complaint out i was very thorough. Their computer system booted it back at me saying my info was too lengthy. 
I then wrote a letter to XXXX XXXX CEO of USAA. He never replied. I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( you must say '' extension to connect with her ) on behalf of the CEO. She was advised i never gave XXXX the credit card. She then called me back twice only for me to repeat " I never gave XXXX my credit card ''. She then advised i would be billed any way despite XXXX awful reputation i referred her to via XXXX. By then i had spoken to my banker and was advised that The Practice in Credit Act limited my liability to {$50.00}. I spoke with XXXX and she insisted i would ne billed. Not only did USAA bill me but charged interest 2 days ago. I never received a written explanation of their findings. Their first letter stated i had not provided enough information BUT THEIR WON SYSTEM DENIED THE EXTENSIVE REPORTING I HAD SUBMITTED. 
USAA system is responsible for denying me. 
In conclusion, i am trapped between 2 Goliaths. I want the {$480.00} charge by USAA removed ( Dispute # XXXX ) and XXXX should be investigated for fraud.Fraud in Florida is upon a person ageXXXX or greater is a 3rd degree FELONY. Should you want my phone number email and i will provide it. At age XXXX this has caused me a great deal of stress. 
XXXX XXXX XXXX XXXX XXXX XXXX, Florida

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