Compiled from Public Data by FairShake
The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.
In 2015, the CFPB received 717 complaints against USAA. USAA ranked Number 35 among all financial companies for the most complaints.
Date of Complaint: June 18, 2015
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE
Product: Bank account or service
Sub-Product: Checking account
Issue: Using a debit or ATM card
Complaint Tags: Servicemember
Response Type: Closed with monetary relief
Date of Complaint: June 22, 2015
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Debt collection
Sub-Product: I do not know
Issue: Communication tactics
Sub-Issue: Frequent or repeated calls
Response Type: Closed with non-monetary relief
Public Response:
Company believes complaint is the result of an isolated error
Date of Complaint: June 23, 2015
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Bank account or service
Sub-Product: Checking account
Issue: Account opening, closing, or management
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 23, 2015
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Consumer Loan
Sub-Product: Vehicle loan
Issue: Taking out the loan or lease
Full Complaint:
I had previously submitted a complaint against USAA with regards to my auto loan. I was promised a lower rate over than what I am being charged. In addition, the term should have been XXXX months with XXXX payments rather than XXXX months. As a result of that complaint, USAA offered to essentially refinance the loan with the correct terms since they could not fix the original loan. However, I paid for a gap insurance product on the current loan which is tied to the loan, not the vehicle … so refinancing would have voided the gap insurance and since the new loan would have been a refinance rather than a purchase, I would not have been eligible for repurchasing the gap insurance. The USAA person who was responding to my complaint was supposed to look into this but she stopped responding and none of the issues were ever addressed. I am still paying the higher interest and the amortization period is still wrong.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 19, 2015
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Credit card
Issue: Billing statement
Full Complaint:
We were not receiving paper statements on our credit card account with USAA, so we contacted customer service to change our billing preference. That was over 6 months ago and after monthly calls to USAA customer service, including a problem resolution department in XXXX, we have yet to receive a paper billing statement. As a result, we are unable to verify purchases, review interest charges or know our minimum monthly payment. This is a breach of our card member agreement.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 23, 2015
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Bank account or service
Sub-Product: Checking account
Issue: Deposits and withdrawals
Full Complaint:
USAA Bank – I attempted to make a deposit and the funds were placed on hold. It was a {.00} deposit. They will not take any other methods of viable deposit unless it ‘s a Wire transfer ( going to cost me XXXX dollars from my bank XXXX or a cash advance off a Master Card.
Sadly, I do n’t own a mastercard. I only have XXXX but they wont accept that. They told me they wont accept a cashiers check/money. I have no way to make a deposit and they are going to access me a feel.
Just to note, it ‘s XXXX XXXX and my debit wont hit the bank until the XXXX. They have my deposit on hold until XXXX XXXX. With no way to deposit, I can not avoid the penalty even though I contacted them 2 days in advance. They are going to charge me a {.00} fee on a XXXX dollar debit.
I
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 19, 2015
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-Product: Checking account
Issue: Deposits and withdrawals
Full Complaint:
My bank is USAA : – XXXX unauthorized debits were made to my checking account on XXXX/XXXX/15. Amounts were for {0.00}, {.00}, and {00.00}.
– USAA did not detect these and call me. I detected the discrepancy and called as soon as I was made aware of the unathorized transactions.
– USAA credited my account back in full for the amounts on XXXX/XXXX/15. USAA never called me to tell me that the account was being credited.
– Several forms and affidavit were mailed to my home address asking me to explain the situations. Thinking the situation was resolved, I disregarded the requests. Again, USAA never contacted me with instructions.
– On XXXX/XXXX/15, USAA debited my account for {00.00} since I had not returned the forms. The Bank never called me to let me know that they would debit my account for {00.00} if I did not return the forms.
– In XXXX ’15, I mailed all proper documentation to USAA including notorized affidavit. The Bank has received forms and has had them on file for over 30 days.
– As of today, I still do not have the {00.00} credited back to my account. When I call USAA, they say that they are awaiting for the XXXX party bank to release funds back to USAA so that my account can be credited. USAA has provided terrible communication on this matter. They rarely call me to provide a status update. The Bank has yet to confirm whether the initial issue was fraud or bank error. I have no estimated time of completion on this account issue. As a consumer, I do not know what my rights are in this case. Funds of {00.00} were clearly debited from my checking account in error back in XXXX ’15, and I am not sure why I am the party still at a loss when I did nothing wrong.
– Can you help?
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 20, 2015
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
Product: Credit card
Issue: Balance transfer
Response Type: Closed with non-monetary relief
Public Response:
Company believes complaint is the result of an isolated error
Date of Complaint: June 23, 2015
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Bank account or service
Sub-Product: Checking account
Issue: Making/receiving payments, sending money
Full Complaint:
I have a USAA checking account. I recently made some bill payments which caused my account to be overdrawn but the overdraft should have been covered by my linked USAA credit card. At the time the payments were presented, there was a {000.00} CREDIT balance in my credit card account, i.e., USAA owed ME {000.00} in addition to the {00.00} credit limit available on the credit card account. Despite this, XXXX payments were returned and I was charged returned payment fees totaling over {0.00} by both USAA and the recipient of the payments.
Response Type: Closed with monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 19, 2015
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT
Product: Bank account or service
Sub-Product: Checking account
Issue: Deposits and withdrawals
Response Type: Closed with monetary relief
Public Response:
Company believes complaint is the result of an isolated error
FairShake accessed this complaint from the public archives of the Consumer Financial Protection Bureau (CFPB). You can file your own complaint with the CFPB here.