Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Asked what my min. Payment was they kept telling me its XXXX. After multiple calls I learned why it kept saying XXXX. Because I had been enrolled automatically in pay-ahead program. And they apply that to next month payment due. I could sign out but then I couldnt over pay the min. payments due, it would reject it. So Ive been trying to figure out how to keep this from destroying me since I cant pay down the principal to lower what I pay in interest. I paid {$320.00} this month on my credit card, the interest charged to my account today was {$88.00} last month the interest charged on the XXXX of XXXX was XXXX XXXX  less for a total of {$89.00}. I couldnt understand why it got out of hand and even though I was calling to get answers about what the min payment due was so I could pay extra to get it down my payments were not helping lowering my debt enough. This statement today said interest was charged on the XXXX the month before {$5300.00} neither of those amounts can I understand where they are getting their information. XXXX beyond furious for a long time I couldnt even view their email in their app I kept trying to view, it would download and then I couldnt find the downloads to open them. I have repeatedly complained about their security making it impossible for me to see that information. I have repeatedly asked them to send it to my personal email, they wont. I havent missed a payment since XXXX but they have my APR at XXXX. Today I paid another {$190.00} I can NOT CANCEL THAT PAY-XXXX  program I have to wait till XXXX  to talk to someone. Since XXXX I have paid of my bills, on time, no late fees, no collections, no charge off, XXXX is charging me an XXXX of XXXX when I have kept my payment arrangement with them in XXXX and XXXX when he my husband was in a bad wreck, he was on unpaid leave until they finished their investigation which found nothing he could of done to avoid it. Both XXXX  and USAA had taken those late negative marks off after I called them and made the point I paid them off and havent missed a payment since. I noticed they both put back on the negative marks and XXXX added more. This is not right they are only doing this so they can charge me more interest and increase the APR percentage they charge, plus both of them increased my credit availability which lowered my score too. No company should be able to just do that without it being requested by me. I had XXXX, XXXX XXXX and XXXX cancel because I didnt want anything from those places, I have more than enough but they wouldnt leave it open. I had never not paid my them on time. My car loans accounts were paid off without being late or charged off but that hurts my credit school. There is absolutely nothing I can do to improve my score, Im paying as agreed, none of my other credit cards I opened up in my name have a balance other than USAA it was XXXX until they charged XXXX in interest now it went to XXXX and change, now after the XXXX I paid today its at XXXX. Please make them stop this deceitful practices. I had never heard of not being able to pay above the minimum due and it NOT DECREASE THE PRINCIPAL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief