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I called yesterday and filed a dispute on my debit card. A company had claimed i owed a credit collection and i made payments, only to find out this company is a scam and i owe no such debt. I filed a dispute and was told i would be reunded the amount taken, which is approximatley 685.00, when will I see this credited back to my account?
I found a lot, this company Apex billing services is listed as a creditor scam. They are not BBB approved, i am glad i know now and am hoping USAA can refund me the charges.
@ABNbear Sorry to hear that happened! The dispute team will have to investigate these charges and any appropriate credit or provisional credit will be placed on the account if warranted. There isn't a specific time frame, but we will handle it as quickly as possible! Thank you ~Tom
Thank you, provisional credit would be great as it was a total loss of 685.65, and as someone with children that is a lot of money.
@ANBbear - Beware of the provisional credits as it is "easy come, easy go". As Stand United mentioned, you may want to read about the numerous members who have had difficulty with the handling of their fraudulent cases. I am working on my own today and was escalated to the Executive Group. My case involves a credit card and is clearly fraud and USAA did catch it right away as the charge originated out of Colombia. However, the process to get a new card is a bit clumsy and wasn't certainly clear to this member at first. There is a point in time when the "temporary" hold is removed from the affected card and the charge is put into a "fraud" mode. At this point in time, your card does become "active" again until the representative moves to the next step of canceling the card and sending you a new one. So if that rep forgets or there is a time lag, then this "fraudulent" card is an active card that could possibly be accruing more charges. At least that was what my final take away was and it seems to coincide with some of the experiences that other members have mentioned.
mine was wih my debit card and yes there were additional charges, which usaa caught and i got my new card releatively fast. I just don't understand why it take so long to get a resolution, its simply this company took money i never owed them without my authorization