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: December 9, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Charged too much interest
Full Complaint:
USAA applied payment to a 0 % promotional balance instead of an interest bearing balance. I contacted them to attempt to correct the issue and they refused citing their cardholder agreement. I cited the XXXX Credit Card Act and attempted to explain the excess payment rule, however they refused to correct the balance change.
I did not attach statements from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as they contain PII.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 13, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 11, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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
Complaint Tags: Servicemember
Response Type: Closed with explanation
Date of Complaint: December 11, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-Product: Checking account
Issue: Opening an account
Sub-Issue: Account opened as a result of fraud
Full Complaint:
I had a USAA account opened in my name and was used for depositing checks and fraud. I Tried contacting the bank several times but the kept telling me to call back in three days. that was four years ago, the issue was never resolved and they told me i owe them {000.00}. because of this i am unable to open an checking account with any bank
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 11, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-Issue: Talked to a third-party about your debt
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 11, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 11, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Charged too much interest
Full Complaint:
I have called several times to request a more compatible interest rate on my credit card. Their APR decision was based on information over 5 years ago. My credit scores and credit behavior has improved immensely since the account opening and it should be reviewed accordingly. Its unfair to the consumer that they continue to be penalized year after year with unrealistic and incompatible rates. I have escalated this to the office of the president and yet no one seems to care. My next step is to contact the media in regards to unfair practice by USAA as they are taking advantage of us veterans who put our lives in peril for our country.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 12, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
Full Complaint:
On XXXX XXXX, XXXX, I received a notice from a fraud detection service I am a member of. ( XXXX XXXX ). They showed that I was turned in by USAA Bank for ” being over the limit ” on my credit card with them. Since I had scheduled a payment to be made the prior week before the stated ” Due Date ” in XXXX, I went in to check to see why USAA did not process my scheduled payment. I have had several intermittent issues with USAA processing my payments over the past few years – some with credit cards and some with premium payment for insurance. Each time I notified them of their problem, but no fix has ever been initiated by them to my knowledge. Once I saw this notice from XXXX, I went into the USAA website to see what the problem was. Again, they did not process my scheduled payment causing this ” over the Limit ” issue. I immediately made ANOTHER payment. This time it was processed. The date was XXXX XXXX. The XXXX notice and information passed along to XXXX ( and perhaps other credit reporting agencies ) stated falsely that on XXXX XXXX, my account was ” over the limit. ” On XXXX XXXX, I went back into the XXXX account to make sure the supplemental payment I made showed up, as it did on XXXX XXXX. It was there on XXXX XXXX and I made a screen shot of the USAA information posted. USAA provided reports to the credit reporting agency ( ies ) that stated I was ” over the Limit ” on XXXX XXXX, XXXX, even thought their own documentation showed otherwise. I notified USAA to report this false report and or the few hours that my account showed being ” over the limit, ” provided them with the screen shot and asked them to look into my files to see all of the many other times they did not process my scheduled payments, and asked them to send the corrected and correct information to XXXX and other reporting agencies to clear up this problem they created. They contacted me after a few weeks and said that they ” thoroughly ” investigated this and this was not their error. Not sure how this is possible with the facts and evidence I provided, but nonetheless this was their stance. I have along list of documentation history on the scheduled payment problems with USAA, the XXXX Report, the USAA Account screenshot that I can provide to support the statements made herein.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 8, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID
Product: Mortgage
Sub-Product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 11, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
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
Complaint Tags: Older American
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.