Debt collection
USAA debt collection complaints
Consumers have filed 1,328 complaints about USAA's debt collection, 253 in the last 12 months (+35%). USAA answered 100% on time and closed 42% with relief. See the whole USAA record.
USAA against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | USAA | 253 | 100% | 42% |
Latest USAA debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Aug 15, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Aug 14, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Fixed |
| Aug 14, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Aug 13, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Aug 13, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Aug 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 7, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 6, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 3, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 29, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Fixed |
| Jul 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 23, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 21, 2026 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Jul 18, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 16, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 15, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 13, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Jul 10, 2026 | Debt collection | Took or threatened to take negative or legal actionCollected or attempted to collect exempt funds | Explained |
| Jul 8, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 7, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jul 6, 2026 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Jun 26, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Jun 25, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 24, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 23, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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