I contacted USAA Bank to discuss the interest rate on my Master Card. My hope was that they would consider lowering the rate to help a customer pay down their balance. First, I understand this is their choice and had they said no because it was company regulations I would have been unhappy but accepted it. What they claim is that government regulations do not allow them to lower the rate. They said specifically that XXXX XXXX in the credit card act of 2009 does not allow. I read through that and it never mentioned lowering rates, only increasing them. 

In summary, my complaint is that they are misusing government regulations. 
