very disappointed in credit card dispute process.

This is in regards to a dispute that was filed for 378.00 back in september for my credit card. USAA is now saying I owe 378.00 after I was credited back that amount. It clearly says in writing that I am not responsible for paying the disputed amount, but now I owe after months later? I am very furious & emotional and not planning on using this credit card ever again. I am very disappointed with USAA's service, I would rather stick with Navy Federal. I should not have to keep going back and forth with this process and have to keep explaining myself like i'm a criminal. I've waited months to have my money credited back and now they're implying I owe money that should have been given back to me in the first place. I spoke to a representative and they told me a manager will get back to me in 24 hours because a supervisor does not have authority to make any changes. I'm a college student working part time and trying to make my way in this world-- this just adds more icing on the cake as far as my debt. USAA claims they look out for military affiliated families but they clearly don't--they can care less. 


What was the charge for?

While the dispute process may seem easy to the cardholder, fact it is very complex. USAA gives you a temporary credit shortly after filing the dispute, but this credit is not permanent until the dispute process is complete -- often months later. It sounds like what happened here is the merchants successfully filed a rebuttal to your dispute. You need to talk with USAA about using the Visa / MasterCard arbitration process.


Thanyou for your information and I am sorry to hear about your situation. I am assuming from your note you have already contacted a member services representative at USAA. If not, please click here to provide us with additional detail and your member information. You can also reach a service specialist at 1-800-531-8722.


As a Member Community Manager I don't have access to your member information to review your history on this issue and offer any guidance or recommendations so if you have already contacted a rep, please forward this detail and your member information to in order to elevate the concern. 

Thank you.