Gozar's avatar User  Gozar  (Opens a pop up layer) Member Stories | ‎03-07-2014 09:34 AM

Credit/Debit Card Declines

I, too, have been experiencing multiple "fraud alert" declines at critical moments at stores where I have made purchases for years. I understand USAA believes they are protecting us. My issue is, it ALWAYS happens at two particular stores where I buy groceries and fuel. I can count on a decline or an automated fraud alert call the minute I attempt to- or make- purchases from these two stores in the same 24-hour period. USAA says they have notated my account to allow but it continues to happen--twice this week, already.

I appreciate the person's tongue-in-cheek rendition of the same scenario I have experienced many times. There has to be a better way!
Comments
by JJay33 ‎03-07-2014 11:53 AM

I would rather recieve the fraud alerts and know what is happening with my accounts than have identity theft or actually have fraud occur, especially since this Target scandal. Yes it may be a hassle. Yes it may be annoying, but it's in place for a reason. Did you ask USAA whether they placed those alerts on there due to the fact that maybe there have been certain issues at those stores that now they consider them a high risk for consumers? Definitely weigh the pros vs. the cons. You decide which is more important. I'm proud to be a member of USAA and happy with what they offer. My other question is have you also accessed your online account to see what settings for security and alerts you have set for you accounts. You may want to check those out as it may be a simple fix from that. Human error does happen. 

I would rather recieve the fraud alerts and know what is happening with my accounts than have identity theft or actually have fraud occur, especially since this Target scandal. Yes it may be a hassle. Yes it may be annoying, but it's in place for a reason. Did you ask USAA whether they placed those alerts on there due to the fact that maybe there have been certain issues at those stores that now they consider them a high risk for consumers? Definitely weigh the pros vs. the cons. You decide which is more important. I'm proud to be a member of USAA and happy with what they offer. My other question is have you also accessed your online account to see what settings for security and alerts you have set for you accounts. You may want to check those out as it may be a simple fix from that. Human error does happen. 

by user.login: Please s ‎03-07-2014 02:08 PM
Pay with paper Federal Reserve Notes or coins and ditch the plastic.
Pay with paper Federal Reserve Notes or coins and ditch the plastic.

Analisa's avatar User  Analisa Administrator

by Administrator ‎03-07-2014 02:44 PM

We understand your frustration and would like to help resolve this issue. Please use this link to provide a few additional details. This will get you in touch with a banking specialist who can do some research and get to the bottom of what's been occurring. We appreciate you bringing this to our attention and hope our team can help. 

We understand your frustration and would like to help resolve this issue. Please use this link to provide a few additional details. This will get you in touch with a banking specialist who can do some research and get to the bottom of what's been occurring. We appreciate you bringing this to our attention and hope our team can help. 

by BlueBOB ‎04-22-2015 01:37 PM

How would I know if my card was declined for this reason or not?  I have a new USAA credit card that was recently activated and it all of the sudden declined on me today and I don't know why.

How would I know if my card was declined for this reason or not?  I have a new USAA credit card that was recently activated and it all of the sudden declined on me today and I don't know why.

BrianaHartzellUSAA's avatar User  BrianaHartzellUSAA Community Manager

by Community Manager ‎04-23-2015 09:33 PM

Hi BlueBOB,

Please give us a call here at 1-800-531-8722 and a specialist from the bank will look into why your card was declined. Thank you.

Hi BlueBOB,

Please give us a call here at 1-800-531-8722 and a specialist from the bank will look into why your card was declined. Thank you.

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