Checking and savings
USAA: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 2,815
- Closed with money back
- 8%
- 2023 to 2025
- 761 to 1,179
Servicemembers filed 44% of USAA's 6,405 complaints in the window, against 2.5% across the directory. The complaints are mostly about checking or savings account, and the single most common issue is "Managing an account". 8% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 761 in 2023 to 1,179 in 2025.
What the complaints are about
By product
| Checking or savings account | 1,455 |
| Credit reporting or other personal consumer reports | 395 |
| Credit card | 340 |
| Money transfer, virtual currency, or money service | 167 |
| Vehicle loan or lease | 117 |
By issue
| Managing an account | 871 |
| Incorrect information on your report | 271 |
| Problem with a lender or other company charging your account | 230 |
| Closing an account | 207 |
| Problem with a purchase shown on your statement | 125 |
| 2023: 761 | 2024: 875 | 2025: 1,179 |
Which accounts, specifically
| Checking account | 1,425 |
| General-purpose credit card or charge card | 499 |
| Credit reporting | 478 |
| Other banking product or service | 136 |
| Loan | 126 |
What went wrong, specifically
| Deposits and withdrawals | 391 |
| Problem using a debit or ATM card | 226 |
| Transaction was not authorized | 214 |
| Company closed your account | 148 |
| Credit card company isn't resolving a dispute about a purchase on your statement | 116 |
Busiest month: December 2025, with 129 servicemember complaints. Most were submitted by web.
Most complaints came from TX (412), FL (265), GA (263) , then CA, NC, VA.
How USAA answered
| Closed with explanation | 2,412 | 86% |
| Closed with monetary relief | 212 | 8% |
| Closed with non-monetary relief | 191 | 7% |
USAA responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company has responded to the consumer and the CFPB and chooses not to provide a public response" (1,565). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Checking or savings account; Managing an account. VA, 2024-09-02. Outcome: Closed with explanation. Complaint 9991776
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Checking or savings account; Managing an account. TX, 2024-09-03. Outcome: Closed with explanation. Complaint 9988352
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Checking or savings account; Managing an account. OK, 2024-08-29. Outcome: Closed with explanation. Complaint 9984949
If this is your problem at USAA
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page. This site's verified guide to the company's own military policies: USAA Car Insurance During Deployment: 60% Storage Rule, Overseas List.
Compare with checking and savings peers
- Bank of America 2,581 servicemember complaints; 23% with money back
- JPMorgan Chase 3,342 servicemember complaints; 7% with money back
- Wells Fargo 3,695 servicemember complaints; 7% with money back
- Navy Federal Credit Union 6,752 servicemember complaints; 10% with money back
- Chime Financial 1,164 servicemember complaints; 6% with money back
Next in the directory by volume: Resurgent Capital Services, Citibank.
Frequently asked questions
How many complaints did servicemembers file against USAA?
2,815 complaints tagged servicemember were received by the CFPB about UNITED SERVICES AUTOMOBILE ASSOCIATION between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 761 in 2023 to 1,179 in 2025.
What do servicemembers complain about most at USAA?
Checking or savings account accounts for 1,455 of the 2,815 complaints, and the most common issue is "Managing an account" (871). Next: "Incorrect information on your report" (271).
Does USAA give money back when a servicemember complains?
8% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 191 closed with non-monetary relief and 2,412 closed with an explanation only. USAA answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.