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 9, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Bank account or service
Sub-Product: (CD) Certificate of deposit
Issue: Account opening, closing, or management
Response Type: Closed with monetary relief
Public Response:
Company believes complaint represents an opportunity for improvement to better serve consumers
Date of Complaint: June 8, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Credit card
Issue: Billing statement
Full Complaint:
USAA Banking has violated the terms of my credit card agreement with me by refusing to carry forward a balance on their ” pay-ahead ” program. I paid {00.00} on my account, and it should have been carried forward to count against a minimum payment on my most recent statement.
Here is the text of the portion of the terms of my credit card account : ” Pay-Ahead Program : The Minimum Payment as calculated above is your Regular Minimum Payment. If your Account is eligible for our Pay-Ahead Program and is in good standing, when you pay more than the Regular Minimum Payment, we may, at our option, permit you to skip some or all of your next two Regular Minimum Payments. When this occurs, we continue to calculate your Regular Minimum Payment, however the amount of the minimum payment due displayed on the first page of your bill, on usaa.com, and on our phone systems is reduced by the amount you may skip. The full Regular Minimum Payment amount is always shown in the Important Account Information section of your bill. Remember Finance Charges will continue to accrue in accordance with the Terms of this Agreement. You may opt out of the Pay-Ahead Program at any time by calling us at XXXX ( XXXX ). ”
Response Type: Closed with monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 10, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card
Issue: Other
Full Complaint:
I applied on XXXX XXXX for my first credit card, a secured USAA card and was accepted for a card on the XXXX of that month. I paid the XXXX dollar deposit for the secured card and had problems verifying, which we resolved just fine – and I was told about a week after successful verification that my card was on the way ( XXXX XXXX ). It was also stated clearly in the email that this card would reach me in no less than 10 business days. I was excitedly waiting, but the card never arrived. I updated my shipping information and had the first one cancelled after 14 business days ( XXXX XXXX ) and another sent – I received a letter 2 days after this update saying my contact information was successfully changed, but still no card. I waited another 17 business days ( much longer than they proclaim it will take ) before calling and speaking to a rep named XXXX. She promised to expedite a card to me ( fees waived ) and that it would be here Thursday, which was yesterday. I checked the mail both today and yesterday, and received other mail, but still nothing from USAA. This is the 4th time I ‘ve been expecting a card and not received one, but they did n’t even have the time before this on record! I ‘m livid ; I have been expecting this card for six and a half weeks! It ‘s been 40 business days and not a single card has reached me despite the letter I received to my address. Is there anything we can do about this? I lost money that could ‘ve been used for so much other stuff and was broke in college just trying to get this card. I ‘ve wasted so much time waiting for it.
Complaint Tags: Servicemember
Response Type: Closed with monetary relief
Public Response:
Company believes complaint is the result of an isolated error
Date of Complaint: June 13, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Bank account or service
Sub-Product: Checking account
Issue: Making/receiving payments, sending money
Full Complaint:
Since XXXX 2015, USAA have been returning items specifically to XXXX and charging my account an NSF in the amount of {.00}. It was my position that these items were being fraudulently returned to collect NSF fees since I did in fact have the funds available to cover the transactions if USAA did n’t charge an NSF first. However, I was not receiving overdraft notices to verify my balance and the way the ledger reads online I had enough money available when the transactions were posted to my account if the USAA processing department actually posted the transaction before charging an NSF fee. Since XXXX 2015 I had not received any NSF notices to support my position. However, this past week I received my very first NSF notice and it confirmed my position for the last year and half. I did have enough money to cover the XXXX transaction in the amount of {.00} because I had {.00} in my account according to the notice that was sent to my email. Regardless of that fact, USAA returned the transaction to XXXX so not only did I have to pay {.00} NSF fee for an item that should have posted and cleared my account but also I had to pay yet again {.00} to XXXX. Over this last year I have had to pay between {00.00} and {00.00} in fees to USAA and XXXX for the same type of issue. It is my hope that your office can assist me and other consumers who are being taxed by USAA and XXXX for fraudulent fees.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 9, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Credit card
Issue: Advertising and marketing
Full Complaint:
I am a member at XXXX ( XXXX ). At XXXX I have an XXXX credit card. This card had a promotion going through XXXX XXXX, 2016, to make five purchases, each & gt ; {.00} to get a {.00} bonus credit to the account. I complied with terms, and XXXX agrees. XXXX has not complied, and they acknowledge so. This bonus is a marketing promotion, a small amount for each customer ; however, there is a disclosure/compliance issue now, many XXXX customers in Massachusetts, where I live, and across the US, may be also affected — possibly all who have XXXX cards there. XXXX has not credited the bonus as required, and despite my calls escalating to their executive resolution team on three occasions. At each level XXXX acknowledges fault, promises a resolution, but does not call back in the promised timeframe. Since many XXXX XXXX card customers may be affected similarly, I ask that you follow up with an inquiry there. I am asking XXXX to cooperate with you on my XXXX account and provide info to you as necessary. To summarize, the issue concerns XXXX noncompliance with its bonus offer on the XXXX card during XXXX, 2016. I have also filed with the Massachusetts Attorney General and XXXX
Complaint Tags: Older American, Servicemember
Response Type: Closed with monetary relief
Public Response:
Company believes complaint is the result of an isolated error
Date of Complaint: June 10, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Mortgage
Sub-Product: Other mortgage
Issue: Settlement process and costs
Full Complaint:
XX/XX/2014, our dear friend XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, ar passed away. I have been trying to resolve her HELOC in a manner to preserve where her ashes and the ashes of her dogs were spread. I have been in contact with XXXX XXXX at USAA and she very rude and unsympathettic. To get to my point. We have been in negotiations since XX/XX/XXXX or XX/XX/XXXX and the best offer to date from USAA was XXXX on a XXXX HELOC without a first mortgage. After I countered their offer and sent numerous letter, made numerous phone calls and even faxed my counter offer, they claim in each instant they did n’t recieve anything. Finally they recieved my email with the best offer we could afford. They then removed their offer of XXXX and now they want the full amount. We were working with them in good faith on our deceased friends behalf, trying to keep the land she loved. We have spent over XXXX cleaning up the property not mention the XXXX this bank has cost us in legal fees simply because they skirt the issues and transfer your call, make you wait hours on the phone and claim to never recieve your information. This is outrageous and unacceptable. Either they help the military and ex military or they do n’t but if they choose the later the need to stop immediately with their military advertisements. They have prolonged this far to long, let us grieve. Thank you.
Response Type: Closed with non-monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 13, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Bank account or service
Sub-Product: Other bank product/service
Issue: Account opening, closing, or management
Response Type: Closed with monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 9, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Bank account or service
Sub-Product: Checking account
Issue: Account opening, closing, or management
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 9, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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 10, 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
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.