USAA Federal Savings Bank — usaa's unfair business practices!
I feel in my opinion that I have been treated unfairly by usaa federal savings bank. Now for all most 2 years I have been a customer of theirs and at first they were wonderful. They treated me fairly and not once did I ever have any concerns about their behavior. Well recently that has changed.
For over 2 years of being with usaa, they have never charged me an overdraft fee unless the funds were actually taken out, now well they changed their tactics. These people have been charging me up to 250 dollars in overdraft fees for debit transactions that were never paid. So in other words... They charge me a 29.00 overdraft fee regardless if the money was drawn or not. They are pretty much charging solely off the attempt alone.
I consider such a policy to be wrong and very deceitful considering that they have never committed such wrong doing in the past, not since the 2 years I have been with them. This whole thing started this year. Now, I found out they have a tendency to change their policies on the whim and force all their customers, both new and old to abide by their changes.
In my case.. Not only did their fees drove one of my 2 accounts into the negative by 332.00. They turned around and took this same amount out of my other account to bring my first account current without my permission. That money they took was for my rent and other bills I have to pay in order to maintain my home. Now I am forced to seek other means in regarding the monies they blatantly stole from me. According to csr and her supervisor (Even if it really was a supervisor) they had the absurdity to tell me they were doing me a favor. I honestly don't see how that is the case considering that they only substituted one problem with another. Just that this new problem, they don't consider it their concern. They got their money. I would like to know how I can fight this? I am in the process of hunting for another banking institution, hopefully a more honest one.
Honestly I can understand that a bank has the right to collect whatever monies owed but not at the expense of causing major distress to customer and/or placing them in a situation that can disastrous to themselves as well as their families. I hope anyone can tell me where I can go.