Credit card -- Fees or interest -- Complaint #12172718
Complaint Overview
Complaint ID: 12172718
Company: United Services Automobile Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Unexpected increase in interest rate
State: South Dakota
ZIP Code: 57106
Date Received: 2025-02-21T12:00:00-05:00
Date Sent to Company: 2025-02-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I had a 15 month Balance Transfer ( XXXX ) at 0 % though XX/XX/XXXX with a balance of {$6000.00} noted on my statement dated XX/XX/XXXX. In XXXX, I made a large purchase in excess of $ XXXX on this card knowing that I would be charged interest immediately on purchases from thr day the purchase posted. I am not contesting this as this is a normal part of any card agreement. I am contrsting the fact that I immediately paid off that purchase within the month of XXXX, XXXX and the payment, after the minimum due was satisfied, was allocated to my balance transfer balance thus wiping it out and leaving the remaining balance of {$7000.00} at my higher, purchase rate on my statement dated XX/XX/XXXX. I have been accruing interest on the remaining balance since. This is in direct violation of my card agreement part XXXX and the CARD Act. I contacted USAA once I flnoticed the error in XXXX XX/XX/XXXX and they gave me conditional credits for the finance charges. However, I recieved a call a few days later and was told they were in compliance with the card agreement in which I veimiently disagreed. The refused to correct the situation and have since taken the conditional credits away. My biggest concern is if this is happening to me, how many other customers are they doing this to? Additionally, how long has it been going on? Payment allocation has been in effect since XXXX and it's a simple law to follow. I think USAA is putting profits over the constructs made very clear the law and needs to be held accountable.
Frequently Asked Questions
What is Complaint #12172718 about?
Complaint #12172718 was filed against United Services Automobile Association regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-02-21T12:00:00-05:00.
How did United Services Automobile Association respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against United Services Automobile Association?
Yes, visit the United Services Automobile Association company profile at readthecomplaint.com/company/united-services-automobile-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.