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 |
|---|---|---|---|
| Jun 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 18, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 17, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 16, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 13, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jun 10, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Fixed |
| Jun 9, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 9, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 8, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Jun 7, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Jun 5, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jun 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 4, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 2, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 1, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 1, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| May 29, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| May 29, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 28, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| May 26, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| May 26, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| May 25, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| May 22, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 21, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| May 19, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| May 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 18, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 15, 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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