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: February 21, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-Product: Checking account
Issue: Account opening, closing, or management
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: February 20, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Mortgage
Sub-Product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: February 18, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MT
Product: Bank account or service
Sub-Product: Savings account
Issue: Account opening, closing, or management
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: February 21, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Bank account or service
Sub-Product: Checking account
Issue: Deposits and withdrawals
Full Complaint:
USAA has been sending unauthorized ACH Payments to XXXX under different accounts for 2 years. They are refusing to do an investigation and teturn my monies I have photos of excessive ACH withdrawals from my checking. I am requesting someone to investigate and follow up! I am overwhelmed with multiple banks and transactions since My identity has been compromised
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: February 18, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Money transfers
Sub-Product: Domestic (US) money transfer
Issue: Other transaction issues
Full Complaint:
I sent XXXX dollars to the wrong account at XXXX XXXX. I called USAA my bank account and they said the money was already gone and there was nothing they could do and that I would have to call XXXX XXXX. XXXX XXXX, of course, would n’t speak to me because I am not a customer.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: February 21, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-Product: Checking account
Issue: Deposits and withdrawals
Full Complaint:
Starting in XXXX XXXX, I noticed my USAA checking account ending in XXXX was suddenly in the negative ( over {00.00} ). I had not made any large purchases to create this negative balance. I spoke with USAA who informed me that my account was negative due to multiple {0.00} transfers ( deposits ) coming from an external account I did not authorize — an external account which had been closed with no activity for over 2 years. USAA claimed that the external account was nicknamed ” XXXX, ” however, this name is unfamiliar to me and I have never nicknamed any account ” XXXX. ” These {0.00} deposits all bounced in my USAA account due to NSF ( non-sufficient funds ), but strangely, these bounced deposits resulted in an {0.00} debit to my account every single time without any obvious transactions showing withdrawals of these NSF deposits. USAA was confused and could not provide evidence of where the money went FROM my account, despite my repeated requests. The bank also refused to close my account during the fraud investigation, resulting in a final negative balance of {00.00} ( {0.00} and {00.00} ) when the account was closed on XXXX XXXX XXXX.
I am not trying to gain any money out of the situation. I have stayed in constant contact with USAA since the first moment I noticed the fraudulent activity on my account, however, as shown from the attached timeline, USAA has repeatedly refused to give me the account statements and other documentation, denied me access to USAA online to reconcile my account, discontinued business with me, and otherwise acted unprofessional and unwilling to help me rectify the situation. After speaking with a XXXX XXXX Legal Assistance attorney, and with USAA refusing to work with me, I am left with no choice but to file a CFPB claim for assistance. The NSF money that was transferred from the closed account to my USAA account, thus bouncing, was not my money and I did not authorize the withdrawal transactions. I would like for my account to return to normal status and the situation to be over. I greatly appreciate any help that you can give!
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: February 20, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Mortgage
Sub-Product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account
Response Type: Closed with monetary relief
Public Response:
Company believes complaint represents an opportunity for improvement to better serve consumers
Date of Complaint: February 18, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Consumer Loan
Sub-Product: Vehicle loan
Issue: Problems when you are unable to pay
Full Complaint:
In XXXX of XXXX, I got divorced from my ex husband. He was awarded our XXXX XXXX XXXX, that XXXX financed through USAA Bank. In XXXX or XXXX of XXXX, a tow ruck appeared at my home, and the driver proceeded to try to repossess my XXXX XXXX XXXX, which was at the time current on the payment and finances through XXXX Bank. I had the police come to the house and they were able to get the report guy to put the car down, explaining that he was trying to take the wrong vehicle, the police had me open my garage, to prove that the XXXX XXXX was not on my property. This was the first I was told that the car was behind on payments. My ex turned the XXXX over to USAA sometime in XXXX. At which point I sent them the divorce decree showing that I was no longer liable as he was awarded it in the divorce. In XXXX of XXXX my ex filed bankruptcy and USAA started once again reporting a charged off car loan on my credit. In XXXX XXXX I ended up paying the car loan to settle for a lesser amount to stop the negative reporting on my credit report. Since I paid them they have continued to report it as a charge off. Multiple times every year.. I have tried contacting USAA regularly to resolve the issue. I keep getting transfered all over the place and no one is able to resolve the issue.. I have been turner down for XXXX banking positions with the excuse that they can not place me in a position of loan origination with this charged off car loan on my credit. I did not get the car repossessed, I did not file bankruptcy, and I paid them to settle the account, even though I was no longer legally liable as that is what USAA said needed to be done for it to be removed. I just went again in the beginning of XXXX to try to refinance my home and am shocked to see that the bank has yet again reported the charge off as of XXXX XXXX XX/XX/XXXX..every time they report this my score drops XXXX point and I can not refinance my home. What is the point of paying rg debt if they are not going to leave my credit alone and are going to continue this harassment, which I thought was illegal. Please send me the name of an attorney in Arizona who can help me.. Thank you XXXX XXXX.
Response Type: Closed with non-monetary relief
Public Response:
Company believes complaint is the result of an isolated error
Date of Complaint: February 21, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-Product: Checking account
Issue: Problems caused by my funds being low
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: February 21, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS
Product: Bank account or service
Sub-Product: Checking account
Issue: Problems caused by my funds being low
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.