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: August 5, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Credit card
Issue: Credit card protection / Debt protection
Full Complaint:
I ‘m currently going thru a divorce and no longer living in my home. My husband contacted XXXX where we have a joint credit card. He said the card is lost/stolen and requested a new card in my name be sent to the marital home. I reported this to XXXX and said that I can not gain repossession of the card in my name and want it canceled it immediately or to have them contact my husband to have him cancel the card. Also asked for them to reissue a new card directly to me. They refused and are keeping an inactivated / open line of credit on my name, when I want it closed and do not want the information on the magnetic strip compromised, or to have the card activated post divorce and have any surprises.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: August 4, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI
Product: Bank account or service
Sub-Product: Checking account
Issue: Making/receiving payments, sending money
Full Complaint:
On XXXX XXXX, 2016 XXXX XXXX XXXX, Executor of the XXXX County Florida Estate of XXXX XXXX deposited {000.00} into USAA checking account # XXXX from the account of the Estate of XXXX XXXX at XXXX XXXX XXXX. The purpose of the deposit was to use most of the funds to pay me for my 14 months of consulting services, expenses, travel and loans to XXXX XXXX at his pleading in successful pursuit of his claim as beneficiary of the contested handwritten Will written just prior to XXXX XXXX XXXX.
The deposit was made via photo image in telephone consultations with a USAA representative. XXXX XXXX authorized direct payment of my credit cards totalling {000.00}, Additionally he issued USAA check # XXXX dated XXXX XXXX, 2016 for {00.00} for a combined total of {000.00}. Credit Card payments : XXXX : {0.00} paid XXXX/XXXX/16 XXXX XXXX : {00.00} paid XXXX/XXXX/16 conf code XXXX XXXX : {00.00} paid XXXX/XXXX/16 trans XXXX XXXX : {00.00} paid XXXX/XXXX/16 XXXX : {00.00} paid XXXX/XXXX/16 XXXX : {00.00} paid XXXX/XXXX/16 XXXX : {00.00} paid XXXX/XXXX/16 XXXX XXXX : {00.00} paid XXXX/XXXX/16 On XXXX/XXXX/16 all credit card payments were rescinded by USAA without notice to me. Dishonoring an item properly payable is a violation of XXXX also bringing responsibility for consequential damages proximately caused The check was deposited at XXXX XXXX on XXXX/XXXX/16. It was returned as ” unauthorized ” on XXXX/XXXX/16.
XXXX XXXX will not return my calls. My demand letter to USAA ‘s legal department resulted in a call from a representative named XXXX XXXX @ ( XXXX ) XXXX. On XXXX/XXXX/16 she informed me that XXXX XXXX claims the payments were not authorized. That closed the matter for USAA without further details due to legal privacy considerations.
Clearly the payments were authorized or USAA would not have paid them initially. XXXX XXXX changed his mind 3-4 weeks after final payments were made under his authorization. If USAA investigated in any meaningful way it did not include contacting me to hear my side of the story before taking such a drastic and harmful step.
Regarding the stop on the check I do not believe it was in compliance with UCC 6A4-403 or confirmed in writing within 14 calendar days as required. This is not only a breach of the contract represented by the signed check but a criminal offense of obtaining money/services under false pretenses.
My remedy is reinstatement of the credit card payments, payment of the check, payment of proximately caused interest, late fees, emotional distress and damage to my credit rating.
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: August 4, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-Product: Savings account
Issue: Deposits and withdrawals
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: August 6, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Bank account or service
Sub-Product: Checking account
Issue: Account opening, closing, or management
Response Type: Closed with non-monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: August 8, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT
Product: Mortgage
Sub-Product: VA mortgage
Issue: Application, originator, mortgage broker
Response Type: Closed with monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: August 4, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Complaint Tags: Servicemember
Response Type: Closed with monetary relief
Public Response:
Company believes complaint is the result of an isolated error
Date of Complaint: August 8, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-Product: Checking account
Issue: Problems caused by my funds being low
Full Complaint:
USAA classifies debits as ” XXXX ” so that they can break the law and charge their members NSF fees. This has happened to me on three separate occasions. Also, USAA allowed me to make a transfer from a balance that USAA had mistakenly informed me I had, then, charged me an NSF fee for this transfer. I have asked USAA several time to deauthorize an automatic debit, they maintain that they will not do that without me paying a fee which I obviously do not have so they keep allowing the automatic debit and they charge me {.00} a pop everytime they do so. USAA has accumulated nearly {0.00} of fees from my account by refusing to deauthorize the recurring debit.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: August 5, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Bank account or service
Sub-Product: Checking account
Issue: Deposits and withdrawals
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: August 3, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
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: August 3, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Bank account or service
Sub-Product: Checking account
Issue: Deposits and withdrawals
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.