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 21, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-Product: Savings account
Issue: Managing an account
Sub-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: November 22, 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: Information is missing that should be on the report
Complaint Tags: Servicemember
Response Type: Closed with non-monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 28, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS
Product: Checking or savings account
Sub-Product: Checking account
Issue: Closing an account
Sub-Issue: Funds not received from closed account
Complaint Tags: Servicemember
Response Type: Closed with monetary relief
Public Response:
Company believes complaint is the result of an isolated error
Date of Complaint: November 27, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-Product: Personal line of credit
Issue: Struggling to pay your loan
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 26, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem accessing account
Full Complaint:
USAA does not have an effective process for adding joint owners to deposit accounts.
Adding a non-citizen spouse to my checking and savings accounts was initiated in XXXX 2017 but not concluded until XXXX 2017 and then only after multiple communications between USAA and me that included two letters, three online uploads and over five telephone calls to USAA agents. Only in the final communication ( a phone call initiated by me ) was a USAA agent able to communicate the details of what needed to be corrected.
Specifically, USAA does not have an effective process for notifying account holders of error conditions associated with providing documentation required by IRS code. In my case, I submitted a XXXX but did not complete the form correctly. USAA was unable to communicate the nature of the error to me online, or my mail or after three telephone calls to inquire status of adding my spouse to the account. I received communication from USAA by phone ( twice ) and by US postal mail ( twice ) which said in essence ” call us, there ‘s a problem ” but the calls and messages did not indicate what type of problem was involved or how to correct it. On four occasions I contacted USAA in response, the agent was unable to tell me what the problem was. On three occasions I was informed that the joint owner was added and action was complete, but this was not accurate.
In two letters sent by US postal mail, and in two calls initiated by USAA and in five telephone calls, no USAA agent communicated to me what in the XXXX was not correct.
Ultimately, the error was communicated and an form re-submitted. So my immediate need was resolved after much frustration. The problem with USAA ‘s process still exists and may cause other consumers the same problem I experienced.
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 26, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn’t resolving a dispute about a purchase on your statement
Full Complaint:
XXXX XXXX XXXX has n’t answered my certified by mail and notarized by my attorney about SECTION 609 and 625 of FRCA? They will not show me what was bought or where cash advances were made because I was in a XXXX XXXX XXXX in Another State that would n’t let us of campus for the time they aid I used card. It hs ben charged of and used of there taxes bt wont do this legally by sending me the information I asked for 30 days ago. The FRCA says if I did these steps and ca n’t proven writing I signed up for card or where and when and how I mused it into 30 AYS UNDER SECTION 609 AND 625 THEY HV TO REMOVE IT FROM CREDIT REPRORTS. I have AL INFPORMTION O0 REGRATOION OF MILSENT AND NPRTERIZED LETERS BUT THEY STIL WONT Release me from this on credit report. They are breaking the law and it has ben 30 days and starting on 60 days of legal FCRA issues XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX.
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 22, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Closing an account
Sub-Issue: Company closed your account
Full Complaint:
USAA closed my account because it was overdrawn according to their members handbook I had 41 days to get it current. Firstly the reason that it was overdrawn is that a disputed item was returned per USAA and no letter was sent and I have not received one as of yet. The account was overdrawn when the disputed item was returned when I called on XXXX XXXX we discovered that the 1st returned item that was disputed should not have been taken back out of the account and that the dispute was found in my favor. When the 2nd disputed item came through on XXXX XXXX this should have been the original date that the account went negative. USAA representative acknowledged this and escalated to get the 1st disputed item returned to the account. They agreed that it was their issue as to why the account was negative and had they not messed up the account would have not been negative until the other item came through on the XXXX. The account was closed and we have asked the account to be reopened as it was their fault in the first place and they agree that given the new dates the account should not have been closed on the XXXX as it was only 21 days past the correct overdraft day of the XXXX. We have waited for this to happen and it still has not happened. They closed this account per them against the members policy and have done nothing to reopen the account.
Response Type: Closed with explanation
Public Response:
Company believes complaint is the result of an isolated error
Date of Complaint: November 27, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
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 27, 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: Banking errors
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 27, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
Full Complaint:
I made a purchase for a suitcase from an online merchant which represented themselves as an original brand. When I received the item and the purchase confirmation I realized the merchant was actually overseas but presenting themselves as a local brand. As soon as I received the item I was unsatisfied and contacted the merchant. The merchant was overseas and were limited in there English writing skills but I did get in there messages to return the item and that they would provide a refund.
I disputed this transaction with my bank USAA initially on XXXX XXXX, 2017 the amount of {0.00}, almost three weeks after the initial purchase. They provided me with a provisional credit right away. But it seems they needed more information on the transaction and because I did not provide it they came back and took the provisional credit back. After realizing what occurred and speaking to my bank I went to my email and provided the bank all of the requested documentation including emails between me and the merchant and USPS documentation showing the item was returned back to the merchant.
It has now been over 100 days I still have no solution to my dispute. I ‘m still waiting to have my funds of XXXX refunded. The item has been refunded back to the merchant. the merchant has stated they have requested to the bank to have funds refunded I do n’t know if that is true or not.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes the complaint is the result of a misunderstanding
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.