USAA Federal savings bank refuses to refund me for unauthorized charges on my USAA credit card. These charges took place between XXXX XXXX and XXXX XXXX 2015 in XXXX XXXX XXXX, at the time I was in XXXX and have n't been to XXXX XXXX at anytime this year ( 2015 ). I can easily prove I was in XXXX during this period however and somewhat surprisingly USAA never requested that proof. 
The unauthorized transactions consisted of purchases and cash advances in large amounts, USAA approved these charges although they were transacted in another state and I never informed USAA I would be traveling. Other credit cards I have, always contacts me if a transaction was performed out of state. USAA never made any attempt to contact me although this was a card that was rarely used in the past. Further, USAA Fraud department stated that I MUST file a police report and if I did not file a police report they would not investigate my claim and would report the current balance including the unauthorized charges I am disputing to the credit bureaus. I informed the fraud investigator that their position was a breach of contract and may also violate federal policy. 
