My husband was deployed in 2008 and I was left here to attend to our 2 kids and the finances. Shortly after he left I became ill, was hospitalized, and unable to work. To make a long story short, I wasn't able to pay my USAA credit card bill on time and this went on for a while. My mother came to live with us and she let them know what was going on but their collections agents just woulndt stop. Finally my father (a lawyer) wrote them a letter to get them to stop.

When I got better and financially on my feet I called USAA to pay the credit card bill. During my down time a lot of fees had been racked up and I asked them, since there was nothing I could do, if they would waive them. They said sure we will do that and let you settle the amount due. I paid what they asked and thought everything would go back to normal.

After I paid they still sent me letters and called all the time. I would explain that I thought all this is over and then they would say, "Oh yeah you're right sorry. We'll fix this in the computer" and then it would happen all over again. Finally I got them to stop with another letter from dad.

Well now they are still taking this out on me. They won't let me do any online banking and they demand I pay the fees. Every time I call FOR ANYTHING I have to go through this whole thing with the customer service rep. Why did they tell me I didn't have to pay them in the first place then? To make things worse they are doing something to my credit report every month and trying to ruin my credit over this. Things are already BAD ENOUGH. My father said that I should have talked to him and demanded that we get an agreement in writing because they will be dishonest if you don't. But I never thought they would treat service members' families like this. We are supposed to be the people they are here for. I guess they are more concerned about making money than the military and their families.