How to dispute a charge at USAA
USAA gives cardholders 60 days from the statement date to file a dispute. USAA typically resolves disputes within 10 business days of filing. A complete, well-documented letter gives the investigator everything they need to decide quickly.
Dispute windows
Dispute window60 days from statement date
Chargeback window120 days from transaction date
Typical resolution10 business days
Debit card vs credit card protections
Debit card (Reg E)
Debit: 60 days from statement
Credit card (Reg Z)
Credit: 60 days from statement
How to file at USAA
- 01Online: usaa.com
- 02Phone: 1-800-531-8722
CFPB complaint data
The CFPB received 2,970 complaints about USAA in the past 12 months. 19% were closed with monetary or non-monetary relief. The most common issues:
- Managing an account891
- Incorrect information on your report369
- Closing an account199
Data from the Consumer Financial Protection Bureau complaint database. Updated daily.
Generate your USAA dispute letter
Select your dispute type and we'll generate a personalized letter, pre-filled with USAA-specific submission instructions and your deadline.
Select your dispute type:
Unauthorized chargeDuplicate chargeDidn't receive goods or serviceNot as described / defectiveFree trial I didn't authorizeRecurring charge after cancellation
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