Consumer complaint received 2025-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK

Complaint narrative:
On XXXX transactions my credit card company failed to protect my interests. I want all three transactions addressed and I want proper handling of these matters. USAA has breached the contract. This morning USAA XXXX XXXX XXXX ( USAA ) provided me with the date and amount of the first denial and failure. That transaction was for {$2700.00} on XX/XX/XXXX. 

The reason given for that particular denial was I had missed their deadline to submit documents and they closed the case. USAA sent me a notice electronically and hidden at the bottom of the page and preceded by a rather large blank space their given deadline was buried. When it came to my attention on the day of the deadline I recall I flew into action. I was traveling on the road. When I logged onto to USAA to upload the documents the USAA website locked up on me. The next day I was able to log in and upload the documents requested. Regardless of my efforts writing, printing, scanning and uploading, USAA held fast to their decision that I had missed their deadline and the case was closed. 

At this time the matter with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX ) is in the courts. While it is in progress I have prevailed and will hopefully resolve that matter. Nevertheless, I am prevailing and will prevail in my case against XXXXXXXX XXXX for THEFT BY FRAUD and USAA failed to resolve the credit charges ( as they should have ) in my favor which has caused me a hardship. 

These XXXX other charges were also mishandled. USAA sent me notice with ridiculous deadlines that were impossible for me to meet and the few days notice USAA gave me were not enough. Twice USAA has denied my claim in disputing these charges. 

The charges were dated XX/XX/XXXX for {$4900.00} and XX/XX/XXXX for {$3700.00} to XXXX XXXX. Please look into these matters for me. I want all three investigated and pray for relief in the form of a judgment in my favor. 

XXXXXXXX XXXX performed work which I did NOT authorize and damaged my coach. XXXXXXXX XXXX threatened me physically and damaged my coach causing the basement to flood several times with modifications I would never have approved of. They lied to me about the installation and lied in court. I am still in the process of getting my coach repaired from the damages XXXXXXXX XXXX did. 

XXXX XXXX  did not complete the work I paid them do and they damaged my coach on several occasions in multiple ways. They broke my windshields twice and refused to cover the damages their negligence caused and they make have damaged the frame of my coach. Their owner said he was leaving the leveling jacks for the fellow in XXXX. I am on my way to XXXX  XXXX to have my coach gone over and repaired. 

XXXX XXXX kept me confined to their premises for an inordinate time, from XX/XX/XXXX to XX/XX/XXXX. During that time one of their mechanics quit and the other who was fired. The solar experts who inspected the damages to my rig indicated that a critical wire had been cut. I do not know if that was due to sabotage. 

My RV Diagnostic advisor and all of my friends urged me to get out of XXXX XXXX and the ruthless grip of owner operator XXXX XXXX as fast possible before XXXX XXXX could do more damage to my coach. I feared for my personal safety and struggled to get free and clear from XXXX XXXX. 

This is a matter that I can ill afford. It belongs in the courts but I am a poor man and I am struggling to juggle expenses incurred as I assess and correct the damages done to my coach by these XXXX businesses in XXXX XXXX. Moreover, I need these funds ( all three sums ) in order to fix my coach from the damages incurred at each facility. 

The first time I left XXXX XXXX I was able to drive approximately XXXX miles before my coach was disabled by their ( I don't know whether this was incompetence or due to sabotage ) services. I was towed back at considerable expense and I was held hostage by their owner operator from XX/XX/XXXX to XX/XX/XXXX. 

Departing the second and final time on XX/XX/XXXX in less than XXXX hours my coach broke down again. I incurred expenses getting it running after XXXX days broken down in XXXX, XXXX. Then within XXXX hours my coach died again in XXXX XXXX. It required replacing the chassis batteries and the alternator at significant expense. 

Also, I had to engage a glass company on XXXX occasions at significant expense after XXXX XXXX failed to heed my urgent warnings that both sides of the coach must be lifted at the same time. And I had to engage outside solar experts to correct the damages done aXXXX XXXX XXXX  at significant expense. I had bills from XXXXXXXX XXXX  and XXXX  XXXX XXXX XXXX XXXX  to repair the damages done by XXXX XXXX 

At the moment I am headed as best I can across the country to have my coach assessed for damages and repaired as necessary after the damages caused in XXXX XXXX. I have incurred incredible expenses and I need to prepare for more expenses as I pay others to finish the job I engage XXXX XXXX to do. 

Please assist me in getting justice in these matters at this level with my credit card company USAA. USAA was once a great company but that has changed. USAA no longer looks out for the interests of their members. 

I have submitted several documents and photos to USAA ; nevertheless, it is apparent to me that USAA did not take the time necessary to go over them before rendering a rash decision which puts me at risk at my advanced age. USAAs requirements appear designed to confuse ; they are not senior citizen friendly. 

Thank you for your help in these matters. 

Sincerely, XXXX XXXX XXXX

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 explanation