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: March 31, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Issue: Transaction issue
Full Complaint:
When a payment is made to my credit card, whether it ‘s done via an electronic transfer or from a check, the creditor holds my payment from my available balance for 5-10 days. In other words, if I make a payment to my credit card my money is deducted from my checking account almost immediately but it ‘s not credited to the card ‘s ” available credit ” amount for a week. My creditor floats my payment and earns interest off my balance instead of applying my payment timely.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 30, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Bank account or service
Sub-Product: Checking account
Issue: Account opening, closing, or management
Response Type: Closed with monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 28, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection
Full Complaint:
I was slammed by a CSR in the XXXX of XX/XX/XXXX. I would have never agreed to sign up for debit protection, but the CSR told me that you could file a claim and be eligible for debt protection even if you become unemployed voluntarily. I outright asked the CSR ” so if I quit my job I would qualify for debit protection? ”. The CSR said : yes even if you quit your job. So from XX/XX/XXXX through about XX/XX/XXXX, when I quit my job, I was unaware that I could not deploy my debt protection. I held on to it for a while, hoping to get an unemployment appeal decision in my favor. I called the CSR for the credit card services. Several times and told them I was slammed by a CSR. They always agreed that I should get reimbursed. The last time I talked with some body about it, he told me he was in charge of all of this and was looking into it. I never heard back from him. It was about a year ago. I started working a split shift, over 12hrs away from my XXXX mile daily commute. ( that is a 14 hr day way from home ) I had no time to investigate. When I finally had some time I called. They talked to supervisors that said it was so long ago, and there was nothing they could do. I have been asking all along about the recorded phone calls. They always tell me they can and will pull them and they do exist. I did the math and i ‘m out {00.00}.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 28, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Mortgage
Sub-Product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
Full Complaint:
I wanted to proceed with a mortgage refinance on my primary residence and I was rejected by USAA Federal Savings bank due to my debt to income ratio which was 48 %. The associate stated that the debt to income ratio should be 45 % or under. So I applied with my wife as joint applicants. We were turned down as well due to the fact that her credit score was below XXXX ( XXXX ). I am displeased due to the standards imposed in trying to apply for a refinance. We are hard working individuals that want to consolidate the XXXX mortgage loans into XXXX.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 29, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card
Issue: Billing disputes
Response Type: Closed with monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 29, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Bank account or service
Sub-Product: Checking account
Issue: Account opening, closing, or management
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 28, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Bank account or service
Sub-Product: Checking account
Issue: Account opening, closing, or management
Response Type: Closed with non-monetary relief
Public Response:
Company believes complaint is the result of an isolated error
Date of Complaint: March 28, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Bank account or service
Sub-Product: (CD) Certificate of deposit
Issue: Account opening, closing, or management
Full Complaint:
1. I have a 84 month CD with USAA – terms ended in XX/XX/XXXX 2. I called USAA on XX/XX/XXXX and requested the following – a. a copy of the XXXX XXXX from XX/XX/XXXX, and to roll my CD into a Savings Account until I decide what to do with the Money. The Representative XXXX said that this will take place, I requested to mail my XXXX and what ever else I need to do for this transaction to take place – call ended 3. On XX/XX/XXXX I called USAA back to see why I still have not received my XXXX, I spoke to XXXX first that informed me that it was not sent, and that the CD has now rolled over to another 84 month term. I said it was a mistake that it should have been rolled into a Savings Account, XXXX transferred me to XXXX. XXXX explained to me that I would have needed to fill out more information to open a Savings Account, I told him that this was never discussed with me. He researched the original call and said that the call was disconnected. I mentioned that I did not think it was disconnected as I was told from XXXX that he would take care of everything. I proceeded to file a complaint for a resolution. XXXX established an official complaint and said that they will order the transcript of the phone call.
XX/XX/XXXX XXXX from USAA called me, said she is working on my complaint.
XX/XX/XXXX XXXX called me said they reviewed the call – told me that the original request for my XXXX and the request for the CD to roll over into a Savings Account was made by me, but the call got disconnected ) MY COMPLAINT : 1. If the call was disconnected ( why did USAA not call me back? ) They do have information on the call where I requested to transfer my CD into a Savings Account and a copy of my XXXX. In my opinion they did not help me as a customer to complete my request. They let my CD roll over for another 84 month at a 1.01 % interest Rate. This was also not communicated to me in any way.
2. I requested a copy of the transcript of the call, which was denied to me
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: March 29, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-Product: Mortgage
Issue: Cont’d attempts collect debt not owed
Sub-Issue: Debt was paid
Full Complaint:
In XX/XX/XXXX, USAA FEDERAL SAVINGS BANK accepted {00.00} on my home equity loan account, as SETTLEMENT IN FULL, and released its lien on the property located at XXXX, XXXX CA. The Final HUD SETTLEMENT STATEMENT indicates a CLOSE DATE of XX/XX/XXXX, and a disbursement date of XX/XX/XXXX, which reflects the disbursement of said funds.
Now, just over 5 years later, I received an undated electronic document from USAA Federal Savings Bank ( which posted in my USAA membership account on XX/XX/XXXX ).
The letter states that I owe USAA {.00}, XXXX on said account, that said account is past due, and that said amount is due by XX/XX/XXXX.
Said settlement in full was part of a short sale on said property in the State of CA.
Now, just over 5 years later, I opened an undated electronic document from USAA, which shows it as electronically posted in my USAA membership account, in the USAA DOCUMENTS SECTION, on XX/XX/XXXX. The letter states that I owe USAA {.00}, XXXX, as past due amount, due and payable by XX/XX/XXXX.
Said settlement in full was part of a short sale on said property in the State of CA.
Complaint Tags: Older American, Servicemember
Response Type: Closed with non-monetary relief
Public Response:
Company believes complaint is the result of an isolated error
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.