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 12, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Consumer Loan
Sub-Product: Installment loan
Issue: Managing the loan or lease
Full Complaint:
My husband recently XXXX. Prior to leaving he submitted the required paperwork to USAA ( just as he had done for previous XXXX ). Recently we received a letter from USAA denying our SCRA benefits and they would not be lowering our interest rates to the 6 % let alone the 4 % that they advertise. They state that we incurred the debt after entering into this activity duty status, therefore we do not qualify. Since he just recently XXXX, this is not possible and the debts were previously incurred. After multiple XXXX and submitting this paperwork to multiple institutions USAA is the only financial institution that has denied the benefits. I would also like to note USAA did not deny our request for the previous XXXX. I was transferred to XXXX different associates that failed to assist me. When I spoke with one of the representative at USAA he stated that this benefit only applies to reservists, when they are called to activity duty.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: August 12, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Money transfers
Sub-Product: Domestic (US) money transfer
Issue: Other transaction issues
Full Complaint:
Hello, Upon reviewing my XXXX XXXX business checking account to prepare for second quarter financial statements I noticed XXXX unauthorized ACH debits on my account paid to the merchant USAA. Upon noticing this fraud, I reviewed my personal account and found an additional XXXX. The detail on the bank statements for these XXXX charges are as follows : XX/XX/2016 USAA XXXX {000.00} XX/XX/2016 USAA XXXX {00.00} XX/XX/2016 USAA XXXX {00.00} XX/XX/2016 USAA XXXX {00.00} XX/XX/2016 USAA XXXX {00.00} XX/XX/2016 USAA SAV-XXXX {00.00} Until I saw these debits, I had never heard of USAA let alone do business with them or authorize them to take any money from my accounts. I understand they are a financial institution for military people. I have never been in the military, nor has anyone in my family. The individuals listed above in the transaction detail are unknown to me.
Response Type: Closed with explanation
Public Response:
Company can’t verify or dispute the facts in the complaint
Date of Complaint: August 13, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Consumer Loan
Sub-Product: Vehicle loan
Issue: Taking out the loan or lease
Full Complaint:
Usaa Bank has refused to honor replacing a car from an accident XX/XX/2013, which has caused an unneeded expense of over {000.00}, plus XXXX, replacement job wages, items lost in car and we were told USAA BANK illegally totaled the XX/XX/2013 car, and as well USAA BANK refused to send proper acknowlegement to these things but to use hate, anger and illegal activity to cause severe issues in all USAA BANK related uses, causing credit issues health issues and other issues not needed.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: August 14, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Debt collection
Sub-Product: Credit card
Issue: Cont’d attempts collect debt not owed
Sub-Issue: Debt resulted from identity theft
Full Complaint:
I have told USAA BANK for four years that I am the owner of the credit card they have in debt with me, that XXXX XXXX social security number XXXX, and bday, XX/XX/XXXX was only an authorized user for one and half years from XX/XX/XXXX-XX/XX/XXXX. USAA BANK has never been able to produce proof otherwise there for are breaking the law and caused hundreds of thousands of dollars in damage to credit issues and future issues. XXXX XXXX and myself also provided USAA BANK with idenity theft papers so theses are XXXX reasons XXXX XXXX should not be on XXXX anymore and ONE reason I should not be. Also note that XXXX removed USAA BANK CREDIT CARD from XXXX XXXX recently this company is acting illegally and causing tons of financial damage.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: August 14, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Bank account or service
Sub-Product: Other bank product/service
Issue: Using a debit or ATM card
Full Complaint:
What can you say about USAA BANK other than they murdered my life and killed me a long time ago, I am living my life on fumes. After being robbed of over {0000.00} things including, music demos, screenplay drafts for projects for money, all my personal things like license info, and social security info, after being idenitity theft through USAA CHECKING account and USAA BANK CREDIT card and proving it and bringing people to justice and after a car accident we proved was not our fault, USAA BANK refused to pay out all they owed, closed checking account illegally, the issues are extreme, they even illegally put me in credit reporting XXXX found them guilty and removed them but XXXX has not I Am attaching a letter from XXXX XXXX to show I WAS ONLY AN AUTHORIZED USER, USAA BANK and ceo XXXX XXXX, I have phone calls, emails, letters from city controllers and other agencies to prove I Am in the right. I Am terrified they get away with this by simply saying WE ARE FOLLOWING FTC regulations, but they are not, they are evil. I am actually waiting for them to finish my life off, there are so many other issues, I am attaching a XXXX document as well to their only XXXX % of what they did. XXXX, I know they are gon na come for me and finish me off soon, they are so evil, and gross. XXXX XXXX ext XXXX at USAA BANK is also an evil henchmen for USAA BANK. HELP ME HELP ME HELP ME HELP ME I AM DROWNING HERE AND TERRIFIED.
Response Type: Closed with explanation
Public Response:
Company believes the complaint is the result of a misunderstanding
Date of Complaint: August 14, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
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: August 12, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Consumer Loan
Sub-Product: Personal line of credit
Issue: Managing the line of credit
Full Complaint:
Loan company applied payments to credit card, not auto loan. Auto loan in default because of this. Payment check referenced the last XXXX numbers of the auto loan ( as it was on the billing statement ). USAA, with whom I have both a credit card ( in default/very late as payments were insufficient ) and an auto loan, refuses to credit the amount to my auto loan. I expect soon to have my car repossessed, though I should have been current with payments. ( I stopped making payments the last 3 months while the USAA was supposed to be sorting this out. Now when I call and I get placed on terminal hold, such as 20 minutes today without anyone picking up after my call was forwarded. Online logs me off repeatedly when trying to get my information, noting that I have unresolved charges. This evening, when trying to gather documents for this complaint, I have been unable to access the information online. When I actually got to speak to people initially ( months ago ), they noted that no payments were shown on my accounts and that obviously my bank was in error. Then, when I pulled up the cancelled checks, the person insisted, as if it was an acceptable explanation, that they have XXXX checks that they process each day. They refused to forward the documents for this issue, insisting I can get them online. )
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: August 13, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Bank account or service
Sub-Product: Savings account
Issue: Making/receiving payments, sending money
Full Complaint:
They closed our savings account down no explanation and we reached our forever. Finally sent 15 day demand letter in XXXX 2015 which they refused to respond to, even though ceo XXXX XXXX promised. This is a very dangerous company and needs to be red alterted to all government officials federal and state. They are disgustingly terrifying and worst customer service in the world. This is not a maybe but a fact, the most lethal consumer XXXX company ever. They destroy their own for a nickel. Of course they are gon na keep sending dates that they responsed to consumerfinance.gov but those are just trees to cover their deception, they do not want to pay out what they owe after almost 5 years of illegal savings account, checking account, credit card, debit card, personal loan, auto, renters and then some, the worst CREDIT REPORTING ME when I Was only an authorized user. This company is junk.
Response Type: Closed with explanation
Public Response:
Company believes the complaint is the result of a misunderstanding
Date of Complaint: August 14, 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
Full Complaint:
For quite some time USAA BANK has operated illegally with debit card issues, credit card issues, banking issues, checking account issues, savings account issues, WORST CUSTOMER SERVICE in the world and BAD FAITH INSURANCE ISSUES. They lie cheat and steal and overall are nothing more than immoral consumer haters.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: August 15, 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
Full Complaint:
I have banked with USAA for 4 and a half years and this past week I attempted to login into my account using the mobile app and a pop-up window stated I could not be verified and had to contact USAA. When I contacted USAA they told me the first time that they had flagged my account due to suspicious activity but expected the issue to be resolved within three business days. I asked the individual why I had not been notified immediately and was told USAA had sent me a letter to my mailing address on Monday when it occurred. I finished the conversation with USAA on Wednesday night and tried to login the following day on the mobile app once again and again had the pop-up that stated I could not be verified so I called USAA again and was told that there was a note in my account that USAA was exercising their right to not do any business with me. I asked the individual why that had happened and he stated that USAA had found me guilty of being involved with the fraudulent activity that had occurred on my account in the past week. I was told that USAA was holding me liable for the negative balance in my savings account that had been used during the fraudulent activity. I proceeded to ask what would come of my direct deposit check that was going into my account the next day and was told they would hold it to pay off the negative balance. So I am now a fraud victim, that gave USAA 3 chances to try and fix the issue. I have also filed a police report because USAA would not release any of their investigative evidence to me as the account holder. They have frozen my funds and assets and wrongfully withheld my direct deposit leaving me without a way to pay my bills this month.
Complaint Tags: Servicemember
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.