Checking or savings account -- Managing an account -- Complaint #6453920
Complaint Overview
Complaint ID: 6453920
Company: United Services Automobile Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Banking errors
State: South Carolina
ZIP Code: 294XX
Date Received: 2023-01-18T12:00:00-05:00
Date Sent to Company: 2023-01-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
A USAA representative encouraged me to add overdraft protection to my account that would be linked to a USAA credit card. I was not properly notified at that time that overdraft protection charges would be classified as cash advances. As a result, I was unaware of {$4.00} of new interest charges on my credit card account, despite a payment in full the previous month. Over 5 months, without any new charges on the account, additional interest was accrued on the {$4.00} until the total amount due exceeded a {$5.00} dollar threshold and USAA notified the credit bureaus that I was 30 days late. The damage done to my credit seems punitive and could have been avoided if USAA notified me properly, if I was not encouraged to sign up for this feature, or if I was not encouraged to opt in to paperless billing.
Frequently Asked Questions
What is Complaint #6453920 about?
Complaint #6453920 was filed against United Services Automobile Association regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2023-01-18T12:00:00-05:00.
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.