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: June 3, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Complaint Tags: Older American, Servicemember
Response Type: Closed with monetary relief
Public Response:
Company believes complaint represents an opportunity for improvement to better serve consumers
Date of Complaint: June 1, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Credit card
Issue: Balance transfer
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 1, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Credit card
Issue: Billing disputes
Response Type: Closed with monetary relief
Public Response:
Company believes complaint represents an opportunity for improvement to better serve consumers
Date of Complaint: June 2, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Bank account or service
Sub-Product: Checking account
Issue: Deposits and withdrawals
Full Complaint:
I have had {00.00} in direct deposits on my account this week.
XXXX XXXX XXXX XXXX My account has a hold on it for XXXX for a check I deposited XX/XX/XXXX. I filed a complaint regarding their banking error. A rep from USAA called me on XX/XX/2016 informed me that they do not accept XXXX party checks, the check would likely be returned back to the issuing bank and another XXXX would be taken from account. My complaint was the same, I never received a deposit of XXXX for this check a second time. I told the person i ‘ll let it be worked out with with my cfpb complaint.
they have now put a fraud alert on my account. I can not access my funds to my account at all. I can not use my debit card, I can not pay my bills, I can not go into a bank to withdraw funds, I can not transfer money to another account I can not have the bank wire me money. I feel they have done this in retaliation to my complaint. there was no fraud on my account, the check I deposited belongs to my sister, that lives with me who lost her id. she endorsed the check and I endorsed it and deposited it. the check has not been reported as stolen or anything by the issuing bank.
I have a mortgage to pay. I have a light bill to pay. if they reverse this deposit-i never received a XXXX time I still have XXXX in my account. If they fix their error I have XXXX in my account. either way I have money available to pay my light bill but they wo n’t allow me to do so. so my lights are going to be cut off. I also have travel for work on sunday and no access to my funds to pay for a required business trip.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 2, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE
Product: Bank account or service
Sub-Product: Checking account
Issue: Deposits and withdrawals
Full Complaint:
USAA Bank would not give me a legal department phone number to discuss a recent bank Levy on my veterans benefits. I advised them they were disregarding Federal Regulation as of XXXX XXXX 2011 that advises banks they can not garnish freeze or Levy an account in amounts of a government direct deposits. According to this regulation it is there sole responsibility and obligation once a garnishment notice is received to look back two month to insure there are no governments direct deposit for XXXX of any type to which can not be frozen and it is their obligation to notify the party that is attempting to freeze the account for the amount that can not be Frozen. USAA Representatives failed to pass me on to a supervisor advising they were not available and also they refused me any contact to their legal department as well as refusing to remove the freeze on my account of my veterans benefits which is the only direct deposit ever made since his account was opened
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 3, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 2, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit card
Issue: Credit determination
Full Complaint:
USAA pulled my credit report this resulted in an inquiry, which in turn lowers my credit score. There is an alert placed on my credit report to verify my identity. USAA made no attempt to verify my identity. I was told to call Equifax and have them remove the alert and then reapply for credit. This is unacceptable and extortion. The only reason listed for denial is Unable to verify applicant ‘s identity. XXXX application should not result in multiple inquires into a credit file and one should not be extorted into removing a protective alert because a company can not be bothered to attempt verification of identity. I have never had this problem as most companies ask verification questions as part of the application process.
Response Type: Closed with non-monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 3, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Mortgage
Sub-Product: Other 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: June 2, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit card
Issue: Transaction issue
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 1, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Credit card
Issue: Cash advance
Full Complaint:
XX/XX/2015 I took out a {00.00} cash advance from USAA. I was told over the phone that once I pay off the {00.00} cash advance, that I ‘d no longer accrue interest on that advance. I even called USAA credit card customer service today and asked them to explain how the cash advance interest accrual system works. The representative advised that once the balance is paid off ( {00.00} in this case ), the interest accrual will cease. I advised the representative that I ‘ve paid off more than {00.00} worth of payments since the cash advance was requested XX/XX/2015 and wondered why I was still being charged interest if what he said was true. He then came back and advised that ” after doing research ” it was discovered that interest on cash advances will only cease once the credit card statement balance is paid in full. The issue is that I ‘ve had a balance on my credit card for years and USAA knew that when I requested the advance and failed to disclose that over the phone. I feel cheated. This is obviously a UDAAP violation ( unfair deceptive act and practices ). Now I ‘ll be paying interest on the cash advance for years. To top it off, I requested the cash advance papers I signed to confirm the small print that they disclosed this and the representative advised to look for it on USAA.com ( but failed to provide an exact path to locate the documents ). I feel cheated.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
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.