Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I am writing dispute a fraudulent charge that has recently occurred with my credit card account with USAA On XX/XX/XXXX, I received a letter from USAA informing me that the merchant ( XXXX XXXX ) had issued a refund for a prior charge of XXXX for a USAA Credit card ending, which was successfully applied XXXX  my account. This communication led me XXXX believe that the matter was resolved XXXX that my account balance was accurately reflected. 
However, on XX/XX/XXXX, I noticed an unexpected and significant charge of {$1400.00}, which was applied XXXX  USAA credit card account, consisting of a " security adjustment '' XXXX an " adjustment charge. '' This charge was applied XXXX  my account despite the fact that the previous issue with the airline was stated XXXX  be resolved, XXXX  there had been no prior communication or authorization regarding this new charge. 
On XX/XX/XXXX, I contacted USAA XXXX department XXXX dispute the charge XXXX female said, XXXX contact XXXX XXXX, but that she would escalate ticket XXXX fix this problem. 
I believe this situation involves violations of several laws XXXX  regulations, including but not limited XXXX  : XXXX. The Fair Credit Billing Act ( FCBA ) Under this act, you have an obligation XXXX promptly XXXX accurately correct any billing errors on my account. The unexpected charge of {$1400.00}, without my consent or prior notification, constitutes a billing error that should have been promptly addressed. As per the XXXX, I have the right XXXX dispute this charge, XXXX  I am requesting a detailed explanation XXXX immediate correction. 
XXXX. Truth in Lending Act ( TILA ) The Truth in Lending Act requires that consumers be fully informed of the terms XXXX  conditions of credit charges, including interest rates, fees, XXXX  any adjustments. The security charge XXXX adjustment fee imposed on my account were not disclosed or explained in any prior communications, which may be in violation of this statute. 
XXXX. Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB enforces rules regarding fair practices in billing, transparency, XXXX handling disputes. USAAs failure XXXX  provide clear communication regarding this charge, especially after previously indicating a refund from XXXX XXXX, XXXX constitute a violation of consumer protection regulations enforced by the CFPB. 
Given these potential violations, I request the following actions be taken immediately : A detailed explanation of the {$1400.00} charge XXXX its legitimacy. 
A reversal of the charge if it was made in error or without proper authorization. 
A full investigation into the circumstances surrounding the application of this charge XXXX  my account. 

Here 's What Likely Happened : You were charged {$1400.00} by XXXX XXXX ( fraudulent or disputed ). 

USAA gave you a temporary credit ( called a provisional credit ) of {$1400.00}. 

XXXX XXXX later refunded {$1400.00} XXXX  your account. 

USAA reversed their temporary credit this is standard. 

BUT : Instead of just removing their credit, they added a XXXX XXXX XXXX of {$1400.00} XXXX  now your balance is higher. 

That is not right if the airline refund already went through. 
This means USAA : Gave you a credit temporarily The airline refunded you Then charged you again with a security adjustment That would leave you with a new charge I shouldn't owe. It should zero out according XXXX  USAA female XXXX on XX/XX/XXXX ; however, that is not the case. There has been no adjustment on my account XXXX I am stuck with a charge that I don't believe I should have XXXX pay. I do believe that USAA XXXX try XXXX take advantage of me XXXX make me pay the charge ( Financial Abuse )

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