Credit card -- Fees or interest -- Complaint #19196102
USAA Credit Card Fee Dispute Resolved with Monetary Relief
Complaint Overview
Complaint ID: 19196102
Company: United Services Automobile Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: California
ZIP Code: 90265
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-02T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The issue was resolved with monetary relief, indicating a low risk of significant ongoing consumer harm or widespread regulatory concern.
Consumer Sentiment: positive
Topics: Credit card fees, Monetary relief
AI Analysis
CFPB complaint 19196102 was filed against UNITED SERVICES AUTOMOBILE ASSOCIATION regarding Credit card (General-purpose credit card or charge card), specifically about "Fees or interest". A consumer reported a problem with fees on their general-purpose credit card issued by UNITED SERVICES AUTOMOBILE ASSOCIATION, which was closed with monetary relief. The complaint was received on January 31, 2026 from California. The company responded with "Closed with monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit card statements for any unexpected fees and contact their issuer promptly to dispute them.
Legal Context & Consumer Protection Laws
Credit card agreements typically outline all applicable fees, and disputes may arise if these are not clearly disclosed or are applied incorrectly.
Regulatory Insight
This case highlights the importance of transparent fee disclosure and the CFPB's role in facilitating resolutions for fee-related disputes.
Resolution Likelihood
likely
State-Specific Consumer Protections
In California, consumers have specific rights regarding credit card fees and disputes, which may have influenced the resolution.
Industry Comparison
Fee disputes are common in the credit card industry, but resolutions with monetary relief suggest effective complaint handling by the institution.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19196102 about?
CFPB complaint 19196102 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Fees or interest", specifically "Problem with fees". This complaint was filed against UNITED SERVICES AUTOMOBILE ASSOCIATION on January 31, 2026.
Which company is complaint 19196102 filed against?
Complaint 19196102 was filed against UNITED SERVICES AUTOMOBILE ASSOCIATION. You can view all complaints against this company on their profile page at /company/united-services-automobile-association.
What was the company's response to complaint 19196102?
UNITED SERVICES AUTOMOBILE ASSOCIATION responded with "Closed with monetary relief". The response was marked as timely by the CFPB.
When was complaint 19196102 filed?
Complaint 19196102 was received by the CFPB on January 31, 2026. It was sent to UNITED SERVICES AUTOMOBILE ASSOCIATION on February 2, 2026.
What state was complaint 19196102 filed from?
Complaint 19196102 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 19196102?
Dispute information is not available for complaint 19196102.
What product category is complaint 19196102 about?
Complaint 19196102 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 19196102 submitted?
Complaint 19196102 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19196102?
Credit card agreements typically outline all applicable fees, and disputes may arise if these are not clearly disclosed or are applied incorrectly. This relates to a Credit card complaint against UNITED SERVICES AUTOMOBILE ASSOCIATION involving "Fees or interest".
How likely is complaint 19196102 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19196102?
This complaint is rated as low risk. The issue was resolved with monetary relief, indicating a low risk of significant ongoing consumer harm or widespread regulatory concern.
What regulatory actions apply to complaint 19196102?
This case highlights the importance of transparent fee disclosure and the CFPB's role in facilitating resolutions for fee-related disputes. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 19196102?
Consumers should carefully review their credit card statements for any unexpected fees and contact their issuer promptly to dispute them.
Are there state-specific protections for complaint 19196102?
In California, consumers have specific rights regarding credit card fees and disputes, which may have influenced the resolution. This complaint was filed from California.
How does complaint 19196102 compare to industry norms?
Fee disputes are common in the credit card industry, but resolutions with monetary relief suggest effective complaint handling by the institution.
What types of fees are most commonly disputed by credit card holders?
Commonly disputed fees include annual fees, late payment fees, over-limit fees, and foreign transaction fees, often due to misunderstandings or perceived unfairness.
What steps should a consumer take if they believe a credit card fee was charged incorrectly?
Consumers should first contact their credit card issuer to understand the fee and request its removal if it appears to be an error, providing any supporting documentation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.