Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
THESE ARE FRAUDULENT DEBIT CARD CHARGES reflected in USAA dispute XXXX. Criminals duplicated my debit card. I DID NOT MAKE ANY OF THESE PURCHASES. 
Business Name Store ID Location Charge XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX {$57.00} XXXX XXXX XXXX XXXX XXXX Highway XXXX, XXXX XXXX TX XXXX {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, {$65.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX {$70.00} Target XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX {$40.00} XXXX XXXX, TX {$3.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX {$180.00} XXXX XXXX? XXXX, TX {$270.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX {$23.00} XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, TX {$500.00} The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX {$250.00} Total of fraudulent charges {$3500.00} Some of these charges have been resolved in my favor, but USAA is contending that they found many debit charges NOT to be fraudulent based on " this transaction was completed using a chip-enabled card, a secure payment method that requires inserting the card into the terminal, making it difficult to counterfeit or replicate. '' The criminals did replicate the card, obviously, but USAA refuses to admit that they failed to protect my money and now I'm out {$3000.00}! USAA refuse to provide me the times of these fraudulent transactions. On XX/XX/year>, I contacted XXXX 's XXXX, " XXXX '' to request the time of the XXXX XXXX fraudulent transactions, but she never called me back as promised. 

What happened : On XX/XX/year>, in my XXXX work vehicle, I ordered XXXX meals from the XXXX XXXX XXXX through on XXXX XXXX XXXX in XXXX, Texas. I provided my USAA Visa debit card as payment. I received the XXXX meals and " a receipt, '' although I did not notice that this receipt was the wrong XXXX ( they gave me a XXXX XXXX  receipt ORDER XXXX, time stamped XXXX XXXX HOWEVER, my debit card was not charged for at all that day for the transaction ( XXXX XXXX XXXX Meal and an XXXX XXXX Meal ). I have the original and a scanned copy of the " wrong receipt and the XXXX XXXX employee returned my debit card to me, but I do not know how long exactly the employee had possession of it. I ate my meal immediately in a parking space before driving XXXX to my client 's house and to give him his meal and check in on him. Afterwards, I returned the XXXX vehicle to the XXXX VA XXXX XXXX. After working on the end of month mileage paperwork for the XXXX vehicle, I returned to my home for the remainder of the afternoon and evening to complete my paperwork related to client visits. I remained at my home address. In the evening, after work, I checked my USAA bank account and noticed the fraudulent charges and called USAA bank immediately to report. 

XXXX Police wrote me to notify me that they don't plan to investigate. AP CASE # XXXX. 
I provided the FBI XXXX my XXXX XXXX that I used that that time ( new phone since then. ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief