Credit card -- Problem with a purchase shown on your statement -- Complaint #17979369
Complaint Overview
Complaint ID: 17979369
Company: United Services Automobile Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Card was charged for something you did not purchase with the card
State: Maryland
ZIP Code: 206XX
Date Received: 2025-11-20T12:00:00-05:00
Date Sent to Company: 2025-11-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint against USAA regarding an unauthorized credit card transaction and improper handling of my disputes. On XX/XX/year>, an unauthorized charge for {$450.00} from XXXX XXXX posted to my USAA credit card. I did not authorize or participate in this transaction. I had went into the store that day to purchase snacks and a drink which totaled {$10.00}. I was charged this and am not disputing this. I disputed the charge with USAA twice, but both disputes were closed without proper explanation and without refunding the money. USAA has not provided any documentation or evidence supporting its decision, despite my repeated requests. This is a violation of my rights under Regulation Z ( 12 CFR 1026.13 ), which requires a reasonable investigation and mandates that the creditor provide copies of the evidence used to deny a billing error claim. I am requesting : A full reinvestigation of the unauthorized charge A refund of the {$450.00} Copies of all merchant documentation and investigation records relied upon by USAA Assurance that USAA is complying with federal credit card billing rights I am asking the CFPB to assist in ensuring USAA resolves this properly.
Frequently Asked Questions
What is Complaint #17979369 about?
Complaint #17979369 was filed against United Services Automobile Association regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2025-11-20T12:00:00-05:00.
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.