Compiled from Public Data by FairShake
The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.
In 2017, the CFPB received 1093 complaints against USAA. USAA ranked Number 31 among all financial companies for the most complaints.
Date of Complaint: November 1, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Fee problem
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 9, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company’s investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
Full Complaint:
This is the fourth complaint against my bank on a XXXX XXXX mortgage which payments started being made XXXX XXXX. This is my fourth complaint against XXXX XXXXn failing to report all of my mortgage payments that I have made to them. In which, I have copies of all cashed checks, payments being made on my XXXX XXXX XXXXoan. Once again, I have gotten no resolution regarding errors that need to be fixed by my mortgage loan holder, XXXX. Each time I am directed to someone in their home office, I am told they are only going by the file that is sent to them. A bull’s-eye report, in which, they believe the information being submitted to the credit bureaus is correct. As you can see, from XXXX XXXX latest facts and findings. XXXX, once again, is not reporting my payments being made as I have since XXXX XXXX. I have been brushed off, not taken seriously and continuing to not see my payments, ALL payments that have been made on my XXXX XXXX loan submitted to the appropriate credit bureaus. Each time, I call XXXX they tell me what they see on their end is all payments being submitted to the credit bureaus, even during the forbearance plan, in a timely manner. However, I have made over several calls to all three credit bureaus. In which, as you can see, XXXX is not reporting nor showing all of my payments that have been made on my XXXX XXXX loan. I will continue filing complaints, even going in another legal direction, until this issue is resolved.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 2, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
Full Complaint:
Before moving overseas in late XXXX, I called in to pay my USAA credit card account in full. During the conversation the representative, they let me know that the payment was completed, however, it was not. I did not find out about this until I returned to the U.S.. Once I did I spent time trying to figure out what had happened and then paid the balance. the representative admitted that they made a mistake entering my account number and once paid this item could be corrected on my credit report. Another issue was that I had always received email bills and statements, but I never received anything involving this bill.
I have tried talking with USAA on getting this resolved as well as the credit bureaus, however, I have gotten nowhere.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 8, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Mortgage
Sub-Product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Full Complaint:
On XXXX XXXX, XXXX, the home equity loan held by USAA was paid off by the title company when we closed on the sale of the house. I obtained from the title company proof that USAA received the payoff on XXXX XXXX, XXXX. I checked my credit report in XXXX, XXXX and again XXXX and found each time that USAA did not report that the account was paid in full but erronously reported it as a collections/charge off with an unpaid balance. I phoned XXXX XXXX at USAA XXXX offices in XXXX and XXXX, leaving a detailed message each time. I never received a response. On XXXX XXXX, XXXX, I faxed a letter to USAA demanding that it immediately and correctly report that the loan is paid in full and remove the false and derogatory information from my credit report. I faxed a copy of the letter to CFPB as well.
Complaint Tags: Servicemember
Response Type: Closed with non-monetary relief
Public Response:
Company believes complaint is the result of an isolated error
Date of Complaint: November 3, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Closing an account
Sub-Issue: Company closed your account
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 9, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-Product: Credit card debt
Issue: Communication tactics
Sub-Issue: You told them to stop contacting you, but they keep trying
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 1, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
Full Complaint:
USAA will not allow a credit card product change. I want to switch reward programs. They claim that the ” Card Act ” will not allow me switch credit card products and that in order to do so I would have to open a new line of credit. USAA is the only company I know of that will not allow a product change. It is unfair to the consumer. The purpose of the law is to protect the consumer. Instead USAA uses it to keep costumers from negotiating better terms while allowing USAA to change the terms of the deal ( intrest rates, reward points, etc. ) at will. This means its possible for a consumer to open a line of credit with USAA due to an appealing reward program, and then have USAA changes the rewards program without allowing the customer change products.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 3, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Problems at the end of the loan or lease
Sub-Issue: Problem while selling or giving up the vehicle
Full Complaint:
I filed a bankruptcy chapter XXXX that was converted into in chapter XXXX. If there are assets I want to surrender or keep, The legal process requires me to file a bankruptcy form, I filed a request to reaffirm my debt for my vehicle, XXXX XXXX XXXX. and USAA denied the request. I then filed a request to surrender the vehicle which they also denied, I believe according to the Federal Bankruptcy Laws, I am entitled to one or the other, Why was I denied both request,
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 9, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
Full Complaint:
I had a account with USAA that i filed chapter XXXX on and it is still active. My wife ‘s credit report is showing 90 days late on this account, she was an authorized user only.
Complaint Tags: Older American, Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 1, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
Full Complaint:
On XXXX/XXXX/XXXX I cantacted USAA bank about a direct deposit of {00.00} from my college for federal student aid made to a closed/charged off account. I informed them that the deposit was not supposed to have been sent to that account and USAA refused to reverse the payment stating they used it to cover a negative balance on a closed account.
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.