Complaint #1768254 submitted on 02/01/2016 relating to USAA Savings. Complaint relates to Credit card - Customer service / Customer relations .
Complaint was submitted via Web and sent to the company on Thursday 18th February 2016.
Recently, I filed a dispute with XXXX in regards to my XXXX XXXX XXXX credit card. XXXX was reporting the account on my credit bureau twice and had an incorrect balance ( {$14000.00} ). On XXXX/XXXX/XXXX XXXX sent an update to the bureau 's that removed XXXX of the duplicate accounts from my credit file, however the failed to update the correct balance and payment history on my account, but put that the updated information was as of XXXX/XXXX/XXXX making it appear to other creditors that I had not made a payment on my account since XXXX of XXXX resulting in my account being 4 months past due. This caused another lender to significantly reduce my credit line less then 48 hours after the update XXXX sent to the bureaus. I called XXXX to get this resolved, I spoke with XXXX representatives from the XXXX XXXX XXXX ( XXXX XXXX XXXX ). Both informed me that I needed to fill out there disputes form and mail it in with a complete copy of my credit report. I informed them that I have already filed the dispute with the credit bureau directly and that under the fair credit report act / FACT ACT I have met my regulatory requirement in filing the dispute and that I do not have access to a printer. In order for me to complete there form and send them my report I would have to travel XXXX minutes to the nearest FedEx to print the form and report which is XXXX pages long which would cost me near {$10.00} in just printing charges and then additional charges to ship it, not to mention the XXXX hours I have now spent on the phone trying to get this resolved and an additional XXXX minutes each way just to the store. This is highly unacceptable. I have met my legal requirement to get this matter resolved. I scanned into there system the paperwork and evidence that they require for resolution which is above and beyond the legal requirement to get this corrected. They have caused adverse action to be taken against me within XXXX hours of there mistake and could cause additional adverse action to be taken that XXXX not be reversible. I am already being told that additional inquiries will be necessary in order to reverse the adverse action once the correction has been made by XXXX which will further deteriorate my credit score.
XXXX made not XXXX but XXXX mistakes, and after following the proper legal course of action they do not wish to own up to there mistake and fix it with out causing additional delays and potential damage to me. No other financial institution has this requirement, it is not a requirement mandated by any law. They need to fix there broken process and correct there error immediately.
| Company | USAA Savings |
| Complaint ID | 1768254 |
| Date Received | 02/01/2016 |
| Product | Credit card |
| Issue | Customer service / Customer relations |
| State/ZIP Code | WI 531XX |
| Consumer Consent | Consent provided |
| Company Public Response | Company believes complaint is the result of an isolated error |
| Company Response To Customer | Closed with explanation |
| Submitted | Web 02/18/2016 |
| Result | Timely Response: Yes, Consumer Disputed: No |
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