Sebi Mitchell, Credit Cards Moderator
To dispute a USAA® Rewards™ Visa Signature® Card charge, log in to your USAA Rewards Visa account online and search for the transaction to dispute, or call USAA customer service at 1 (800) 531-8722. Alternatively, the address to dispute a charge by mail is:
Credit Card Resolution Services
PO Box 34894
San Antonio, TX 78265.
USAA Rewards Visa disputes are typically resolved within 30 days, though more complex issues may take a little longer.
How to Dispute a USAA Rewards Visa Charge Online
- Log in to your online account.
- Click the "Account Activity" tab.
- Search for the transaction in question.
- Select the transaction for more details.
- Click "Dispute Transaction" to open an inquiry.
- Check for a confirmation e-mail from USAA verifying receipt of the inquiry.
Before you dispute a charge through USAA, you should first contact the merchant associated with the charge on your card. Merchants have easier access to your purchase information and should be better able to quickly remedy the issue. If for some reason, the merchant is unable or unwilling to work with you on a disputed charge, you can then file a dispute with USAA.
Once you’ve initiated the dispute, USAA will then contact the merchant and review any information provided by both parties. You won’t be charged for the disputed transaction, nor any associated fees or interest, while the dispute is under investigation. And you can still use your USAA Rewards Visa as you normally would while a dispute is ongoing.
USAA will notify you of the outcome of the dispute after they’ve completed their investigation. They will either issue a chargeback to your account for the contested amount, or allow the charge to stand. If the disputed charge is ruled to be valid, you would then have to pay that amount, including any applicable fees and interest charges that accrued during the dispute, starting from the original purchase date.
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