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 |
|---|---|---|---|
| Dec 29, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Dec 26, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Dec 23, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Dec 23, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 23, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Dec 22, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 20, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Dec 20, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Dec 19, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Dec 18, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Dec 16, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 16, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 15, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 15, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Dec 12, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Dec 12, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Dec 11, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 11, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Dec 11, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 10, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Dec 9, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Dec 9, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 9, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Dec 9, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Fixed |
| Dec 8, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Dec 8, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Dec 7, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Dec 7, 2025 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Fixed |
| Dec 5, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 1, 2025 | 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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