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: September 27, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit card
Issue: Other fee
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: September 23, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC
Product: Credit card
Issue: Unsolicited issuance of credit card
Full Complaint:
On XX/XX/XXXX I received a letter from a XXXX XXXX XXXX, Executive Director, Member Debt Solutions, USAA Federal Savings Bank, that payment on my USAA credit card account ending in XXXX was past due and I owed {.00}.
I thought this was a problem because I do not currently have a USAA credit card. Over a year ago ( XX/XX/XXXX ) USAA decided to transfer all of their credit card accounts from Master Card to Visa. Since I had not used the USAA card in ten years I chose not to activate the Visa card they offered, leading me to believe that I did not have a credit card account with USAA as I had not authorized issuance of a new card account.
When I called regarding XXXX XXXX letter I was informed that my current USAA Auto Insurance bill had been charged to the Visa card that USAA had offered but I had not activated. I had not received notification of that charge nor did I authorize the charge. Yet it was still charged to the card that had not been activated. ( Attached is a screen shot from the my online account record indicating that as of XX/XX/XXXX the Visa account had not been activated. ) I am wondering how a bank can charge a credit card the account holder has not activated. USAA claims they just ” transferred the XXXX XXXX ” account. This feels to me like they opened a new credit card account without my expressed permission and then started charging that account without my permission. As a consumer these actions feel very much like what happened at XXXX XXXX – the bank opening accounts without the account owner ‘s permission.
I paid the outstanding auto insurance bill in full as soon as I realized what was going on AND the late payment credit card fees that USAA added on to it. I would like USAA to refund the late fees and remove ‘late payment ‘ reports from my credit report.
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: September 26, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Credit card
Issue: Payoff process
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: September 22, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Credit card
Issue: Billing disputes
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: September 27, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-Product: Other bank product/service
Issue: Account opening, closing, or management
Full Complaint:
About once a year since XXXX, my account at USAA gets connected with my ex wife ‘s account. I separated the accounts in XXXX and when these problems started I ceased all financial accounts with USAA. In XXXX, I stopped doing car insurance through them as well. At least twice I have been able to log into USAA.com and was able to see her account balances. Each time I called and was assured that the accounts were separated. Going online seemed to confirm this until the next time it occurred when the linked accounts returned. On Monday XXXX XXXX, XXXX. I received my ex wife ‘s debit card mailed to my current address which had changed since our final divorce decree in XXXX. Either USAA is letting my wife into my accounts or they are not safeguarding both accounts. I have no desire to receive her debit card which I ‘m pretty sure is a complaint and illegal from her point of view.
I view USAA ‘s inability to secure both my ex-wife ‘s and my accounts as a potential credit / identity theft as reasonable grounds to permanently remove my membership in order to prevent this from reoccurring annually for the rest of my life.
Response Type: Closed with explanation
Public Response:
Company believes the complaint is the result of a misunderstanding
Date of Complaint: September 27, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-Product: Checking account
Issue: Making/receiving payments, sending money
Response Type: Closed with monetary relief
Public Response:
Company believes complaint is the result of an isolated error
Date of Complaint: September 24, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: None
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: September 27, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Prepaid card
Sub-Product: General purpose card
Issue: Fraud or scam
Full Complaint:
USAA advertised to me, a veteran of the XXXX XXXX that a pre-paid card would turn into a regular credit card after one year of giving them {00.00} and letting them hold it without interest and {0.00} in fees.
It did not turn into a regular card even though credit was fixed and they decided to change the agreement. I ‘m growing weary of this bank which has been so predatory of military veterans
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: September 27, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card
Issue: Customer service / Customer relations
Full Complaint:
attempted to settle for less than balance due approx. 6-7 weeks ago. usaa refused my offer & ended negotiations. I asked if there was a waiting period to call back to attempt to settle again. customer service rep stated no. I called back yesterday for the first time since my original attempt & rep refused to speak with me stating I was n’t eligible at this time. I asked what that meant, rep refused to disclose reason. I requested supervisor & was refused. I warmly disconnected, called back to reattempt to find out reason I could n’t settle, & a second time I was told the same thing. I requested a supervisor call me back, I still have n’t heard back. My complaint is I ‘m trying to settle debt and usaa refuses to speak with me about it. I do n’t understand why as there is no pending litigation & no cease & desist order in place.
Response Type: Closed with explanation
Public Response:
Company believes the complaint is the result of a misunderstanding
Date of Complaint: September 22, 2016
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Consumer Loan
Sub-Product: Vehicle loan
Issue: Managing the loan or lease
Response Type: Closed with explanation
Public Response:
Company believes complaint caused principally by actions of third party outside the control or direction of the company
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.