Consumer complaint received 2016-03-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
Payments made are put on hold needlessly every time. I am told the " system '' is doing it and there is nothing I can do about it or anyone else. Payments made in cash from USAA banking to USAA credit card should not take up to but not limited to 21 days to be released. 

This is unacceptable for any company to receive their payments how can it be legal for them to withhold payments on the same token. If I were to withhold my payment I would be subject to a late fee and a interest fee. Yet I have to give you access to my funds for up to but not limited to 21 days. While having XXXX access to funds paid for in cash that have been received. 

I have been told this is due to my account being late in the past I am willing to accept this. I am willing to pay my balance off. I am willing to pay more than the balance, if it means I have access to my funds in up too but not limited to 3 days which I am told is the normal hold time. Yet ALL CUSTOMERS ARE SUBJECT TO A PAYMENT HOLD WITHOUT ANY REASON. 

I call to ask about when my funds will be available and I get harassed and discriminated due to my financial history despite offering to pay the balance in full or in any accommodating payment schedule. 

I am trying to pay USAA and I am met with prejudice, harassment, and discrimination. I am trying to pay my USAA insurance with my USAA credit card and they are telling me, that is subject to holds as well. I do n't have the option of going into a branch locally here In Oklahoma XXXX. The holds do nothing but make life harder for people who are living paycheck to paycheck and XXXX forbid you are trying to come out of the hole too. Then you are just meet with more discrimination and told well the system discriminates everyone so its ok. 

Normal working Americans can not get a paycheck on Friday and wait till the next pay check to have access to the first paycheck. 

After reading several consumer reports reviews I see now the problem is much bigger than me and potentially affecting many customers with USAA I encourage all of you to come forth and write about your experiences. What is happening is not right. How can working families pay their credit card payments and other bills while subject to holds that last on a regular basis XXXX21 days. 

If USAA can not offer a way to make a direct payment to them without holds this needs to be fully disclosed before signing agreements. I doubt this is clear to anyone that signs the credit card agreement. 

I will gladly pay off the remaining balance and never look back after reading other peoples accounts of USAA handling business. I now see the monster I have agreed keep my hard earned money with. I will be making arrangements to work with a local credit union, I can not believe this is acceptable in todays day and age. 

I know USAA had an issue with fraud in 2015 and prior its not my fault they did not have practices in place to protect them or their customers and I am done paying for the mistakes of my past and refuse to pay for the mistakes of USAA. This is disrespectful to me as a citizen that has never tried to defraud USAA to subject me to the same actions of Identity Fraud and credit card thieves. I will gladly pay triple my interest rate to deal with a company that can do business with full discloser and respect. 

Not to mention you guys have put my fico score through XXXX because of your inability to receive payments in a timely fashion. 

For example my first premier credit card is able to do all the things you are not and is not destroying my credit. It is the decision of USAA to do business this way and not industry standard.

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