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 |
|---|---|---|---|
| May 12, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| May 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| May 6, 2026 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | Explained |
| May 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| May 2, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to turn you in to immigration or deport you | Fixed |
| May 1, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 1, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| May 1, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Apr 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Apr 25, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 25, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 24, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Apr 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Apr 22, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Apr 22, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Apr 22, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Apr 22, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Apr 21, 2026 | Debt collection | Took or threatened to take negative or legal actionCollected or attempted to collect exempt funds | Explained |
| Apr 21, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Apr 20, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 18, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 13, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Apr 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Apr 9, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Apr 3, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 3, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | 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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