Bank · complaint record
USAA complaints
Filed under UNITED SERVICES AUTOMOBILE ASSOCIATION
Consumers have filed 20,225 complaints about USAA since 2011, 3,247 of them in the last 12 months (+26% on the year before). It answered 100% on time and closed 19% with relief for the customer - about the same as a typical bank. The most common problem is managing an account. It is the 10th most complained-about of 188 banks & credit unions this year.
Good response record. How it works
- Complaints on record
- 20,225
- Last 12 months
- 3,247
- Answered on time
- 100%
- Closed with relief
- 19%
- Last 30 days
- 139
- Rank
- #10 of 188
Since December 2011
+26% vs the year before
Industry: 99.3%
Typical bank: 19%
Newest: Nov 3, 2026
Most complained-about banks & credit unions
USAA complaints by month
The busiest month was January 2026 (343 complaints). Complaints in the last 12 months are up 26% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How USAA answered last 12 months
- Closed with monetary relief2287%
- Closed with non-monetary relief38811.9%
- Closed with explanation2,62880.9%
- In progress30.1%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers20/4019% closed with relief
- Complaint trend7/15+26% vs last year
What USAA complaints are about
Top USAA problems last 12 months
Inside "Managing an account"
- Deposits and withdrawals 1,885
- Problem using a debit or ATM card 1,088
- Funds not handled or disbursed as instructed 504
- Problem accessing account 487
- Banking errors 471
- Problem making or receiving payments 311
Where USAA complaints come from
Most complaints: Texas (2,612), Florida (2,131), California (1,727), Georgia (1,580), Virginia (1,035).
USAA compared with other banks & credit unions
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | U.S. BankBank accounts | 83 | 7,023 | A |
| 2 | TruistBank accounts | 63 | 5,854 | C |
| 3 | PNC BankBank accounts | 63 | 3,893 | C |
| 4 | SoFiBank accounts | 59 | 3,647 | C |
| 5 | USAABank accounts | 72 | 3,247 | B |
| 6 | Fifth Third BankBank accounts | 61 | 2,784 | C |
| 7 | Citizens BankBank accounts | 73 | 2,163 | B |
| 8 | Huntington BankBank accounts | 84 | 2,144 | A |
Compare side by side: USAA vs U.S. Bank · USAA vs Truist · USAA vs PNC Bank · USAA vs SoFi
What people say about USAA
All experiencesNo experiences with USAA yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest USAA complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 3, 2026 | Credit cards | Problem when making paymentsProblem during payment process | Explained |
| Nov 3, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | Explained |
| Nov 2, 2026 | Credit cards | Problem with a purchase shown on your statementCard was charged for something you did not purchase with the card | Explained |
| Nov 2, 2026 | Credit cards | Trouble using your cardCredit card company won't increase or decrease your credit limit | Explained |
| Nov 1, 2026 | Bank accounts | Managing an accountBanking errors | Explained |
| Nov 1, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Explained |
| Oct 31, 2026 | Auto loans & leases | RepossessionAccount reinstatement or redemption after repossession | Explained |
| Oct 31, 2026 | Credit cards | Fees or interestProblem with fees | Explained |
| Oct 30, 2026 | Bank accounts | Managing an accountProblem making or receiving payments | Explained |
| Oct 30, 2026 | Credit cards | Fees or interestCharged too much interest | Explained |
| Oct 30, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Explained |
| Oct 30, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Explained |
Questions about USAA
How many complaints does USAA have?
USAA has 20,225 complaints on record since December 2011, including 3,247 in the last 12 months and 139 in the last 30 days. That makes it number 53 of every company by complaints this year.
Does USAA respond to complaints?
Yes. USAA answered 100% of its complaints on time (within 15 days) and closed 19% with relief - money back or a fix; 7% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 72/100 (grade B).
What do people complain about most with USAA?
The most common problems are managing an account (4,936), incorrect information on your report (1,774), problem with a lender or other company charging your account (915).
Is USAA legit?
USAA is a real company with a public complaint record: consumers have complained about it 20,225 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is USAA legit? for the signals, red flags and how to protect yourself.
Are complaints about USAA going up or down?
Up. There were 3,247 complaints in the last 12 months against 2,568 in the 12 before (+26%). See every month.
How do I file a complaint against USAA?
Complain to USAA in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most USAA complaints come from?
Most come from Texas (2,612), Florida (2,131), California (1,727). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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