Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #17952650
Complaint Overview
Complaint ID: 17952650
Company: United Services Automobile Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: South Carolina
ZIP Code: 29483
Date Received: 2025-11-26T12:00:00-05:00
Date Sent to Company: 2025-11-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am filing this complaint because USAA has repeatedly mishandled my debit card dispute ( Dispute ID XXXX ), closed the case multiple times with incorrect information, and refused to escalate my case to a supervisor despite my repeated requests. This dispute began in XXXX, when I was charged {$1800.00} for a cruise I could not take. I provided all required documentation, including : Proof that the cruise lines claimed refund of {$360.00} was never received Complete bank statements showing no such credit Proof that I purchased travel insurance, including receipts and policy documentation Despite this, USAA closed my dispute stating that I received a refund, which is factually incorrect. They also repeatedly claimed I did not purchase travel insurance, even though I submitted proof of that multiple times. I have spent months calling, emailing, and submitting documents, but each time the dispute is closed incorrectly using inaccurate information. The frontline dispute team has refused to escalate my case to a supervisor, and most recently I was told that there is nothing more they can do and that I would need to hire a lawyer if I wanted to continue. This response is inappropriate and does not follow required dispute resolution procedures. I am requesting : A full supervisory or executive review Correction of the inaccurate refund information Acknowledgment of my documented travel-insurance purchase Proper investigation based on the evidence I have already submitted A written response explaining why my dispute was repeatedly mishandled I simply want this dispute handled fairly and accurately.
Frequently Asked Questions
What is Complaint #17952650 about?
Complaint #17952650 was filed against United Services Automobile Association regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2025-11-26T12:00:00-05:00.
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 (Checking or savings account) 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.