Credit card -- Fees or interest -- Complaint #9099646
Complaint Overview
Complaint ID: 9099646
Company: United Services Automobile Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Charged too much interest
State: Kentucky
ZIP Code: 41017
Date Received: 2024-05-25T12:00:00-05:00
Date Sent to Company: 2024-05-25T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I opened a USAA XXXX card in XXXX. This card offered a promotion with 0 % interest on balance transfers until XX/XX/XXXX. I transferred a balance from a card with a high interest rate and paid the balance on the USAA XXXX a little at a time. When the promotional period ended, I still had a balance. I was charged interest on this balance on XX/XX/XXXX and XX/XX/XXXX. No problem. I was aware this would happen if I didn't get the balance paid by the time the promotional period ended. On XX/XX/XXXX I paid off the entire balance. This was the balance that was listed as the " Pay in Full '' online PER USAA. However, on XX/XX/XXXX I was charged interest. This makes no sense. As of XX/XX/XXXX the entire balance was paidthe balance that USAA listed as being the full balance owed. I attempted to contact USAA to try to resolve the issue and have the interest charge reversed. What I was told was that the interest charge was " a fee that USAA charges for cash advances. '' I was also told how important it is to " pay my payments on time. '' I did pay it on time. What does that even have to do with it? It wasn't a late fee. It was an interest charge. AgainI paid off the entire card based on the balance USAA was showing. If they failed to include this interest charge on the what THEY were showing as the total amount owed, that's on them, not me. How is it possible, or even legal, to charge someone interest after the card has already been paid off?
Frequently Asked Questions
What is Complaint #9099646 about?
Complaint #9099646 was filed against United Services Automobile Association regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2024-05-25T12:00:00-05:00.
How did United Services Automobile Association respond to this complaint?
The company responded with: "Closed with monetary relief". 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.