Compiled from Public Data by FairShake
The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.
In 2016, the CFPB received 979 complaints against USAA. USAA ranked Number 28 among all financial companies for the most complaints.
Date of Complaint: February 25, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Bank account or service
Sub-Product: Checking account
Issue: Deposits and withdrawals
Response Type: Closed with monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: February 23, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE
Product: Bank account or service
Sub-Product: Checking account
Issue: Account opening, closing, or management
Complaint Tags: Servicemember
Response Type: Closed with non-monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: February 23, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Mortgage
Sub-Product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account
Full Complaint:
USAA Federal Savings Bank ( hereinafter referenced as ” USAA ” ) charged-off my mortgage debt subsequent to my ex-wife filing for Chapter XXXX bankruptcy protection. I did not file for bankruptcy protection and through my ex-wife refused to reaffirm the debt in question, I am still a valid consumer who has made timely and fully payments since the inception of the debt. USAA is likely the servicer for a securitizied mortgage debt. They are currently reporting the debt as charged-off on my public credit record and causing great financial harm. While USAA may have ” charged-off ” the debt, they did so unlawfully as I am a borrower who has made timely and full payments and my financial liability has not been resolved by a bankruptcy petition. Because I believe USAA to be a servicer, I believe they have violated several provisions of the FDCPA. Moreover, because they are wantonly and willfully slandering my credit record I believe they are violating the FCRA.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: February 25, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-Product: Other (i.e. phone, health club, etc.)
Issue: Cont’d attempts collect debt not owed
Sub-Issue: Debt was discharged in bankruptcy
Response Type: Closed with non-monetary relief
Public Response:
Company has responded to the consumer and the CFPB and chooses not to provide a public response
Date of Complaint: February 23, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE
Product: Credit card
Issue: Advertising and marketing
Full Complaint:
I am sick and tired of getting credit card, loan, and insurance mail from USAA. I ‘ve called these XXXX and told them I ‘m not interested in there products, but I still keep getting mail from them. I want it stopped.
Complaint Tags: Older American
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: February 25, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Mortgage
Sub-Product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: February 26, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-Product: Checking account
Issue: Problems caused by my funds being low
Full Complaint:
I ‘ve been a member of USAA since I was a XXXX in 1988. I started banking with USAA about 5 years ago. My complaint is they charge {.00} overdraft fees even though I had sufficient funds available the day the transactions posted and were recorded on my on-line bank statement. I had XXXX OD fees of {.00} each charged in XX/XX/XXXX for transactions as low as {.00} and no more than {.00} and it was only a matter of hours before funds were available as deposits arrived the same day the fees posted on my account. This is a gross example of loan sharking. Transactions are authorized, posted and cleared in a manner that favors the banks and hurts the consumer and makes the bank money via fees. They should n’t be allowed to charge {.00} to loan {.00} for a few hours. This is predatory lending at its worst.
Response Type: Closed with monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: February 29, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-Product: Checking account
Issue: Account opening, closing, or management
Full Complaint:
There was a total of XXXX accounts that where opened fraudulently through USAA, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. USAA refused to help me with this matter and claimed that I was responsible for the fraud.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: February 29, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Consumer Loan
Sub-Product: Vehicle loan
Issue: Managing the loan or lease
Full Complaint:
USAA has been intentionally deceiving consumers with their website and mobile app. They set up a draft from an account which was supposed to be changed ages ago and never was. They intentionally left the draft in place and did not switch to my new bank. It creates the look that the loan was being paid but it was not. The loan amount reverses the charge and creates both a late fee and a penalty in an account that is supposed to be dead. This is to the amount of $ XXXX/month extra!! The mobile app is set up in such a confusing manner that I did not see this until I really started to investigate on the computer. Their mobile app also does not function. There are error codes ( I have screen shots ) that do not allow payment at times. This is also intentional and designed to layer their pockets at the cost of the consumer. These complaints are with the home loans as well as the auto lending and are all over the web and their own site.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: February 24, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Bank account or service
Sub-Product: Other bank product/service
Issue: Account opening, closing, or management
Full Complaint:
I am XXXX XXXX XXXX that works for a company that helps victims of ID Theft to clear up fraudulent matters. I obtain a Limited Power of Attorney in order to help these vicitims clear up fraudulent matters. I disputed an account last year with USAA for one of my members. We were advised last year the account was cleared. This year it got sent to collections. After spending more than three hours on the phone USAA advised today the account was in a charge off status not a fraud status. I tried to work with the fraud department today to see if we could get the status corrected. USAA could verify my POA On file, but insistied they would not talk to me unless I provided my PERSONAL social security number and date of birth for verification purposes. I told them I was not related to the member, this was n’t my account and for security purposes I was not comfortable giving them my social. They said I had to, so I made up a number and told them I was doing so. Then they tell me they have access to background information and the number did not come back as valid and they would not talk to me. I never authorized them to check background information on me. I never authorized anything. I cant believe for security reasons a fraud department is asking for social security number of PROFESSIONALS not financially obligated to the account. This needs to be stopped and now we ca n’t resolve a fraudulent account which is against FAIR DEBT COLLECTION Practices and their regulations because I wo n’t give my social. The client, is hard of hearing and ca n’t speak. HIs wife, handles all the financial affairs. They wont talk to her either. The member signed a power of attorney so that I could help him and I cant. I went to XXXX at USAA dept supervisor and she refused to find a different way to resolve this.
Response Type: Closed with explanation
Public Response:
Company believes complaint represents an opportunity for improvement to better serve consumers
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.