Report: #1471331

Complaint Review: USAA

  • Submitted:
  • Updated:
  • Reported By: JD — Bahi Ecuador
  • USAA United States

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I had a secured credit card through USAA to build my credit. They setup a CD to secure the funds. I have lost my card, or it was stolen over 180 days ago. USAA canceled my card but they still charged me $100 in fees they feel they have earned. They have also reported it and ruined my credit, and then stole my CD without my knowledge.

I now have to launch an investigation directly through VISA because these people refuse my RIGHTS as an American citizen. They claim to support and love military... it is just a joke for advertising and promotion. I have called them to report the card lost or stolen but they are refusing my legal right to do so.

I have asked when they last read the Visa agreement, and they cannot even give me a date for the contract they supposedly read that they are acting under authority. This place is a joke, they play games. If you decide to go with these people be prepared to battle over $35, $20, etc. Their ethics are repulsive, and now typical for standard American business policy.

They would rather steal $35 from you than make you a loyal customer. I do not know what else to say other than the CEO has ONE goal. To take as much money from hard working American people, military or not, they do not care. Get ready to be theived!

This report was posted on Ripoff Report on 01/12/2019 08:56 PM and is a permanent record located here: https://www.ripoffreport.com/reports/usaa/-/usaa-usaa-credit-card-fraud-violate-visa-terms-and-contract-employees-never-read-contra-1471331. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#21 Author of original report

One other thing I was wondering...

AUTHOR: TheVoiceOfReason - (Ecuador)

POSTED: Wednesday, January 16, 2019

Statistically, why are so many Americans overweight and take prescription pills just to get through the day, get to sleep, have sex, and fight depression? Is it because you lack the personal integrity to even keep promises to yourself?

You know deep down inside you’re just worthless crap incapable of even exercising?

Why do so many of you want to kill other people for any excuse you can get?

Why can so many of you not afford to retire in your own country?

Why is your country threatened by so many other countries?

Why are your children being murdered trying to get an education?

Why do you have so many racist bigots coming out of the closet?

Why is your government not operational for nearly a month?

Why do you leave your people without healthcare?

Why are you the only supposedly advanced nation on earth that doesn’t believe in education, science or global warming?

Why do you even still call yourself Christians?

What is wrong with you people… seriously… I would really like to know what has to happen to a human being to traumatize them to the point that they enjoy living like this? I am glad to provide you with the entertainment. But you need to understand the psychology behind someone that has zero respect for you… its not really hurting my feelings. Remember, this entire ridiculous argument and everything you say is being recorded under the name of USAA! Seriously… I am starting to think you are all over 50 and don’t understand how the internet works. LOL.

And I suspect you are not really enjoying this. Immediately stopping everything you are doing to reply to my EVERY response!!! You love it because you are miserable. Come on, to some degree I must be sensing this correctly. Your tone is expressed in your writing. Did you see the Late Show tonight? Excellent!

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#20 Consumer Comment


AUTHOR: coast - (United States)

POSTED: Wednesday, January 16, 2019

You stated that USAA’s ethics are repulsive, yet as a result of your poor payment history you only qualify for a secure credit card. You also refuse to pay the late payment penalties that you agreed to when you opened the account. Apparently you consider your personal ethics to be judged on a different scale. That’s called a double standard.

The CD was not stolen. You put the CD up as collateral and then you forfeited it due to default.

You wrote that you no longer trust USAA for a credit card or car loan. Based on your post it’s highly unlikely that you would qualify for any form of an additional credit account with USAA. Your credit will remain tainted for 7-10 years (not 3 years). Your next car loan will be with a subprime lender at an astronomical interest rate. You may already be experiencing the luxury of dealing with a subprime lender.

You evaded several reasonable questions from other commenters. That implies you have something to conceal as to the real story.

Your claim of racism and bigotry is a sign of desperation because nowhere in your report do you claim to be of a minority race, nationality, religion or social group. You failed to provide a racist or bigot the fuel necessary to form any such bias.

When someone reads your post as a result of a Google search they will observe your outlandish accusations, childish behavior and irrational comments. That may very well backfire on you and result in a positive view of USAA.


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#19 Author of original report

Clearly you have more spare time than I do

AUTHOR: JD - (Ecuador)

POSTED: Wednesday, January 16, 2019

You got me. I don't have the kind of spare time that you guys do obviously. You know how many school shootings we have had in Ecuador??? ZERO. So there is obviously something seriously messed up with your society.

But it won't change until you are ready to change. Good luck! I will enjoy the late shows until then, watching you crumble into a 3rd world country not respected anywhere outside your bubble.

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#18 Consumer Comment

Here we go again!

AUTHOR: voiceofreason - (United States)

POSTED: Wednesday, January 16, 2019

JD, my first comment apparently crossed paths with several of your own. Your post is looking to end up as the most entertaining, funniest thread here since one foul mouthed Joltin Joe from the Bay Area threw a year long tantrum about being denied a soda refill around 7 years ago. His post set the gold standard, eventually dragging in just about every frequent commentator, both for and against.

You do have a way to go though if you aspire to reach his pinnacle of RipoffReport notoriety.

Racist? Who the freaking hell here has any idea what race you are, were, or aspire to be? I didn't even notice your location being Ecuador (If that's what you meant as us targetting you for) until I read that nonsense. I have family from there and I'm sure Ecuador won't long tolerate an ex-pat deadbeat mooching off of them.

Unless you plan on living elsewhere as a criminal or on the barter system, don't expect to get any legitimate credit where you now are without first cleaning this mess up - credit checks are global.

USAA couldn't care less about your SEO skills. As a credit card issuer they expect search results to be heavy in complaint links. There isn't a card, credit or lender entity anywhere that doesn't already have tons of complaint postings like yours. It's expected given the nature of their industry.

Actually what you're accomplishing is harming those who do have legitimate issues with these companies and I'm sure there's no shortage of actual, justified complaints. When those complaints get swamped in a sea of nonsensical ones like yours, they are rendered meaningless and don't get the redress they deserve.

There are still legit and very simple questions that were asked of you that you clearly have no intention of answering. Fine. Who really cares in the end? Your bizniz ain't our bizniz. We just commented on a public forum as we saw fit. Don't like it, have a nice life, if you can find a way to charge one.


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#17 Consumer Comment

Contracts Have Nothing to Do With How to Treat People

AUTHOR: Jim - (United States)

POSTED: Wednesday, January 16, 2019

Well I suspect as long as you believe that a contract gives you the right to treat people however you want, you are going to have these kinds of problems.  A contract is nothing more than a written agreement between two parties.  The only rights a contract gives to a party is the ability to enforce the rights of the agreement by one party upon the other.  What you want is the ability for the credit card company to not enforce its rights and the only problem I see is that you want to be treated differently than everyone else?  You believe you're entitled.  Other than that, there are no problems.

Who other than USAA would put this kind of effort into responses? We The People.  That's the best part of the 1st amendment.  We get to pass judgment upon you.  Now, if you don't want the public to be able to comment, then secure a domain name, start your own website, generate your own commentary, and block the public from posting.  I mean if you really want to optimize a google search, that would be the best way to go.  If you wish to remain here, then expect to be ridiculed.

At the end of the day, I doubt seriously anyone at USAA has to be worried about how high on a google search this goes.  They have more than 10 million customers and generate about $30 billion in revenue per year, according to public records.  You posted they have 1600 complaints.  So your talking  about less than 0.016% of their customers filing a complaint, assuming exactly 10 million customers.  I mean you'd need complaints of the number that Wells Fargo has had in the last few years, or BofA with all their overdraft customer issues a number of years ago - both of those numbered in the millions of complaints at one point...each.  All of a sudden, 1600 complaints seems meaningless in the context of 10 million+ customers.  





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#16 Consumer Comment

Keep Writing and Whining!

AUTHOR: The Dog - (United States)

POSTED: Tuesday, January 15, 2019

 Yes, you do that! Keep writing and whining! You are hilarious!

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#15 Consumer Comment


AUTHOR: Robert - (United States)

POSTED: Tuesday, January 15, 2019

You know I could also assume you are treating me like this because you are just a bunch of racist bigots

Folks we have officially "Jumped the Shark". There has been no indication of your race, no indication that anyone here was(or still is even) aware of your race. So perhaps you may want to remove that chip and actually read what people are trying to get across to you...Who knows you may learn something.

Keep in mind that the higher ranking works both ways. As it would also make it more known for people to see your comments as well.

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#14 Author of original report

Contracts don't give you the right to treat people like crap

AUTHOR: JD - (Ecuador)

POSTED: Tuesday, January 15, 2019

Well I suspect as long as you believe that a contract gives you the right to treat people however you want, you are going to have these kinds of problems.

Who other than USAA would put this kind of effort into responses? Some loser Americans thinking they are defending their amazing 1.5 star rated company? It is just a joke. As long as you care more about greed than your ethic and dealing with your customers... people will have no choice but to resort to solving their issues in these ways. And like I said, there are other public forums where I can do this too. All ranking you up in SEO... And you are really doing me a service to my goal every time you keep arguing your perspective.


nd I am not that upset about it anymore. I have already accepted you are going to charge off the $80... and you act like this should be my #1 priority and concern... Oh my God!!!! Oh Nooooo!! Please!!! Don't do it!!!!!!!! Oooooooo Noooo

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#13 Author of original report

Just racist bigots at USAA

AUTHOR: JD - (Ecuador)

POSTED: Tuesday, January 15, 2019

So now you go back to insulting me and trying to piss me off. lol, I love your version of maturity and intelligence. I just don't let people that I have no respect for push me around. Has it occured to you that now when you Google USAA racist bigot that it will pull up this report? If not now then in a few days or weeks. So you can say whatever you want about this makes me look bad.... but the only ones who know who this even is is a bunch of racist bigots that work for some pathetic bank and insurance company that will do ANYTHING to satisfy their greed. Even destroying a relationship with a customer. Over what? What are you getting out of this other than some HORRIBLE pages ranking HIGH in SEO under YOUR search words??

Lets just keep this thing going. It will be on the first page of google in another week.

You talk about intelligence... you are arguing with an anonymous ripoffreport complaint. LOL

Clearly you are getting upset if you have to result to insults. Why does this bother you so much if you really feel you are in the clear? Keep treating people like s**t and they are going to keep treating you like s**t. I will keep this up until this page ranks in the first page of Google. So your intelligence, as it seems to me is not really much better... you see???


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#12 Author of original report

You are the ones with the 1.5 average review rating

AUTHOR: JD - (Ecuador)

POSTED: Tuesday, January 15, 2019

You guys are very funny. This doesn't make me look like anything. It isn't even my name on the reports and they are all filed under USAA fraud. But, lol... your view points are all very funny.

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#11 Consumer Comment

It Only Makes YOU Look Bad

AUTHOR: Jim - (United States)

POSTED: Tuesday, January 15, 2019

Clearly there is a reason why you've not been too successful trying to build up your credit.  I mean how can you not have any idea where your credit card is - you know, the one you're trying to build up your credit with - for 180 days.  Then, all you can do is complain about the fees you agreed to?  I mean someone could have taken your card and purchased thousands of dollars of items, for which you would have been on the hook for, and all you can do is complain about some measely fees?  I mean you cannot be serious.

Then you praise all of our comments because the responses prioritize your complaint on a search.  Well, that cuts both ways, so let me help:. 

For those that are reading this, let's be really clear about some things:

1.  None of us who responded to the author's complaint are employees of the credit card company.  That's the same tired old statement posed by people who don't like the responses to their complaint.  The author expects us to agree with the complaint, and when we didn't, then the author assumed we were employees?  Bad assumption.  If the author makes a bad assumption about the responding complaints, then it logically follows the author probably makes bad assumptions about a lot of other things, including the complaint itself.  This adversely affects the author's credibility.

2.  The author filing this complaint legally agreed to all of the fees the minute the credit card was used, yet fails to understand that really simple statement.  Since the author has no credibility based on the narrative submitted, it becomes hard to make a judgment about this credit card.  When someone posts a complaint on a public website in order for the public to judge a company, regardless of the company, we first have to judge the author's statements to determine if they have credibility.  The author in this case is not an innocent party, yet takes no responsibility for the failure to exercise proper care.  This also impunes the author's credibility.

3.  The author filing the complaint believes the credit card company should not have earned the fees.  This has nothing to do with whether the credit card company earned the fee.  Credit card companies generally don't earn fees and many fees like the ones posted are avoidable.  The cardholder incurred the fee - a fee that was agreed to.  Now that the fee was incurred, the author doesn't like it and tries to spin this into the credit card company earning fees.  Again, this is a basic failure of the author's complaint, and another example of the author failing to take responsibility.

4.  When you lose a credit card for 6 months and you expect no consequence from doing so is unrealistic.  Yet again, another failure to assume responsibility and another reason why the author lacks credibility.

5.  Credit card companies are what they are and the companies are often villified - sometimes for a good reason.  This is not one of them.

There, now someone who reads this complaint can properly assess what happened.

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#10 Consumer Comment

Typical Response

AUTHOR: Robert - (United States)

POSTED: Tuesday, January 15, 2019

You were asked very specific questions to clarify what you posted because what you posted was NOT clear, and you go on the typical "Oh you must work for them". So let me clarify that for you right now.  I do not now or have I ever worked for any Credit Card company, and like the others that have posted are just regular consumers.

Perhaps you won't answer them because you know you should have reported your card lost or stolen earlier. Perhaps since you with a Secured card you don't understand how credit works. Perhaps you didn't pay attention to your statements and if there were invalid charges you waited too long to dispute them.

So here are a few things to be aware of..

First per the Fair Credit Billing Act(FCBA), which is a FEDERAL regulation, you only have 60 days to dispute a charge. After that time the credit card company does not have to(and rarely does) allow the dispute to be approved. Meaning that after 60 days you are 100% legally responsible for the charge as far as the Credit Card company is concerned.

Second if a credit card company does "cancel", it isn't actually closed until you have a zero balance.  It doesn't mean you are off the hook for any remaining balance. Also, until you have a zero balance you are subject to all the terms and fees of the credit card. This includes the interest charges, late fees, and yes even the annual fees. Yes, you did approve to be bound by these terms when you opened the card.

As for taking your CD they didn't steal it.  Part of the terms of the card were that you were to open up this CD as "security". So they most definatly have the right to use the funds in the CD to pay any delinquent balance on your card. Again...because YOU agreed to it.

Oh and every credit card works basically the same way.  So good luck with your dispute with VISA but don't expect them to do anything as nothing you have posted here shows that this bank did anything that would violate any agreements.

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#9 Author of original report

Here is a screenshot of your reviews

AUTHOR: JD - (Ecuador)

POSTED: Monday, January 14, 2019

Just take a look at this picture of your reviews. Is it worth it? Are you proud to work for such a horribly rated and despised company? What do you tell your kids when they go online and see you have 100s of people that just hate you over your bullying people with your contracts. Thinking you can dictate terms.

So just let me know how much longer we get to bounce back and forth. Because trying to insult me for things I am purposely saying.. it doesn't really show a higher level of intelligence. It is always funny to see all the American expats here in Ecuador because they cannot afford to retire even in a trailer park in the United States. Some even military.

I guess you can look forward to that when USAA goes under. The truth is you can put this on my credit but in 3 years it will be gone.... So you really want a Lose/Lose you got it. I just don't care that much VS the entertainment that I am getting out of this. Not to mention you really upset me. Keep this in mind because I would LOVE to default on an upside down loan/mortgage/CC if I could hit you with $200,000 in losses. 5 years later it is as if it didn't even happen, except you would have the debt, not me. This is how far someone can go when you treat them like crap.

I cannot get you to change your ways but I don't have to. It looks like you are doing a pretty good job of destrying yourselves.

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#8 Author of original report

Racist Bigots Can't Push Me Around

AUTHOR: JD - (Ecuador)

POSTED: Monday, January 14, 2019

You know I could also assume you are treating me like this because you are just a bunch of racist bigots. Certainly, other people would come to that idea. You think you can push people around with contracts and give you the right to treat people however you want. If you haven't noticed I am treating you exactly how you are treating me. It is pretty clear you people are seriously messed up with some serious serious problems. All the anti-depressants are not going to fix the fact you have 0 ethic in your business. If you did, we wouldn't be here wasting our time still.

I personally do not mind if USAA goes out of business or is shut down. If you follow your review trends it looks like that is certainly where you are headed. So again, thank you for the entertainment. I cannot wait for the next Stephen Colbert tonight. You guys just crack me up! Your not going to get any amount of money for any fees until you come up with a win/win solution that both parties can be happy with. Or does your brain just not function in that way anymore? All you can do is think fight, anger, judge... and then go take your anti-depressants.

Pathetic! The rest of the world is really enjoying the ongoing joke though! The late night shows have NEVER been better.

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#7 Consumer Comment

In Other Words...

AUTHOR: The Dog - (United States)

POSTED: Monday, January 14, 2019

 You have ZERO intelligent rebuttal to any of the points made because they all hit the nail very squarely on the head. The only thing left is for you to resort to the brainless, immature "you must work for them" garbage! What a joke!!!

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#6 Consumer Comment


AUTHOR: voiceofreason - (United States)

POSTED: Monday, January 14, 2019

Did you just find out the card was lost or stolen after 6 months, or did you report it so right away and they still held you liable for fraudulent charges made by someone else?

From the statement shot you posted, it appears you only pay the monthly minimum, $15, so right away, of course, each outstanding charge will end up accumulating interest. The only way to avoid interest charges is paying off the whole balance each month.

As for the late fees, you tell us, were you late with the payment? I've been late numerous times with various cards and almost always get the fee returned (sometimes, but not all the time the interest too). How? By calling as nice as possible, hat in hand, and explain I just forgot, or any other believable reason.

That has worked by the way with cards by just about every major issuer, from Citibank, Chase, Synchrony, Comenity etc. One major reason I usually get those fees waived is that we pay the balances off in full, although my gut reaction would be that by doing so I might actually incur their wrath by denying them interest, but on the other hand, they know they're getting a steady, dependable 2% on all our purchases made with their cards.

Lastly the annual fee, what can anyone tell you. Most normal credit cards have no annual fee, unless they have specialty rewards programs. You however were apparently forced by circumstance to take a subprime secured card that has one. The goal is to raise your credit high enough to be able to ditch it and get a normal card. Why do you only pay the minimum when your balance is so low?

Not looking to attack you, but you're obviously doing stuff that's shooting you in the foot financially.

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#5 Author of original report

Thank you for all your help guys

AUTHOR: JD - (Ecuador)

POSTED: Monday, January 14, 2019

Again, thank you for ranking this higher and higher in SEO. I will probably never return to the United States so my credit there is the most trivial thing. So it really won't affect me in any way shape or form. My main purpose here is to waste your time, which you are going after like a mouse and cheese. I clearly have hit you at a spot that is causing you to continue spending your time on here over this... So I guess the real question is why are you so defensive if you really feel you are in the right?

Hmmmmm.... Maybe you could treat people better? Your happy with your 1.5 review for banking on Consumer Affairs, 2.5 or lower on insurance division. Its just truely pathetic. I can't wait to see your reaction for what I do next. Over a couple of late fees. You people are just so greedy it is just amazing. You know, when you treat people like crap you make them immediately accept the loss and then do whatever they can to make sure you lose too.

Just as long as I know I have upset you as much as you have upset me. I feel better already! Out of all the responses you dont ever take not 1 mature approach and try to resolve this. So lets just keep going since your time is obviously worthless, your not even going to get your little $80 from me. lol

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#4 Author of original report

Obviously employees of USAA

AUTHOR: JD - (Ecuador)

POSTED: Monday, January 14, 2019

It is funny that USAA has their employees responding to this kind of crap in their defense. Good luck! Because you won't get one dollar from me for any of those fees. I could care less, do whatever you want. Lesson learned, do not get any other service from USAA. Do not expect to get good customer service. I have one question for you morons on here.

Why did USAA use to have a rating of over 4.7 4.8 and just in the last few years it has dropped to one of the lowest in the insurnace industry. So again... you can defend this BS all you like. But the reality is that you are the ones working for some crap company that has a rating in the 2.5 range of consumer affairs.

I guess it is the only place that would hire you with your inferior customer service skills. Maybe you are trying to profit off the struggle and deaths of our military. Just pathetic. If you think a 2.5 average review is good, then keep up the pathetic work and hopefully USAA will still be around to pay you. Good news is you no longer have to worry about me.

I will no longer trust you for any service, insurance, credit card, you name it. Car loans... Your just a bunch of pathetic trash. Your customer service is a joke. Go look at Consumer Affairs before posting a bunch of crap that was too boring for me to even read. And I NEVER signed any contract. So clearly you don't even know what you are talking about.

I will post the recording of your incompetent employees on another forum. Again again... if this is what you have to do to make money then I really hope you enjoy the trouble I am making and will continue making for you! Thank you for all the responses, every reply ranks my report higher and higher in SEO, so you are really helping me out with every argument you make ;-)

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#3 Consumer Comment

If You Think...

AUTHOR: The Dog - (United States)

POSTED: Monday, January 14, 2019

 You provide very little details. However, if you think your balance goes away because the card is allegedly lost or stolen, you're dead wrong!

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#2 Consumer Comment


AUTHOR: Robert - (United States)

POSTED: Sunday, January 13, 2019

When your card was stolen(or lost) over 180 days ago did you report it lost or stolen at that time or did it take you over 6 months to figure out it was lost or stolen? If you just realized it was lost or stolen, why did it take so long to figure this out and why didn't you review your monthly statement?

Are you disputing any CHARGES(not fees or interest) that are on the card? How much time had passed between the time these disputed charges appeared and you tried to dispute them?

When you called them, what was the reason they denied your "right" to report the card lost or stolen?

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#1 Consumer Comment

You Agreed to the Fees

AUTHOR: Jim - (United States)

POSTED: Sunday, January 13, 2019

At the time you signed up for the account, you signed a document agreeing to all fees that would be placed on the card.  You also agreed to all terms and conditions they place on your use of the card the very minute you decided to use the card to purchase anything.  Therefore, this idea they didn't earn the fees they charged you is preposterous.

I have lost my card, or it was stolen over 180 days ago. USAA canceled my card but they still charged me $100 in fees they feel they have earned. They have also reported it and ruined my credit, and then stole my CD without my knowledge.  This is the most damning statement you could have made against yourself.  The idea that it took you six months to realize your card was lost and you had no idea is 100% your responsibility.  The entire purpose of a secured credit card is for you to use it monthly, pay it off in full on time monthly, and watch your credit score go up.  The idea you actually had no idea where your card was for 6 months - a card you should be using to build your credit - is completely ridiculous.  They simply took the amount in your CD to pay the fees you agreed to.  The rest of your complaints should be ignored based on this fact alone....

I have asked when they last read the Visa agreement, and they cannot even give me a date for the contract they supposedly read that they are acting under authority.   Irrelevant.  Whatever the latest agreement in place is, happens to be the agreement you're living by.  You implicity accepted all of the terms and conditions when you used the card the very first time.

They would rather steal $35 from you than make you a loyal customer.  I do not know what else to say other than the CEO has ONE goal.  Yet you agreed to that fee.  Sounds like you didn't have a problem when you signed up for the card, but now you have one when they actually enforce the T&C's you agreed to.  BTW, the CEO's goal is to maximize shareholder value and yes, that means they get to make a profit.  For-profit companies are by definition, companies that intend to make a profit.  The issue is whether they made the profit illegally.  Based on your own words, the answer is NO.



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