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 10, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card
Issue: Other
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 9, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Credit card
Issue: Advertising and marketing
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 9, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Bank account or service
Sub-Product: Checking account
Issue: Deposits and withdrawals
Full Complaint:
InXX/XX/XXXX I made a XXXX payment to XXXX XXXX which was only one of multiple payments I had made out of that account towards that XXXX. For some strange reason USSA called that particular payment fraudulent activity and took back the XXXX payment which caused XXXX XXXX. I was all caught up on my payments and then USSA decided to get my XXXX repossessed which put a repo on my credit report that I do n’t deserve. Not only that but I traded my XXXX XXXX XXXX on that XXXX so in affect they also took my XXXX XXXX and all the money I had spent on both vehicles. The reason for doing all this is because when I called to get my card released from hold status the person at USSA I spoke with decided that my voice did n’t sound as old as my birth date would have suggested. Because of that my XXXX was repossessed on XXXX XXXX XX/XX/XXXX and my credit ruined. As if all this was n’t enough, The last direct deposit I had sent to that account came up missing.I had taken my money I had saved from the month before out of the USSA account and had changed my direct deposit over to XXXX XXXX XXXX. The last one went into the USSA account but the money disappeared out the account and now they are trying to XXXX me out of the money as well as what they did to my XXXX and leaving me stranded for a year now..What recourse do I have?
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 10, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card
Issue: Delinquent account
Response Type: Closed with non-monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 11, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Bank account or service
Sub-Product: Other bank product/service
Issue: Making/receiving payments, sending money
Full Complaint:
I have an auto loan with USAA and I chose auto pay and the payments began to default. I was unaware of this. USAA sid they sent out mail but I never received it as i have not been home. I have n’t received ANY phone calls. Not one. I was notified by XXXX that my car payment went up and my credit report went down XXXX points. USAA claim to work in the XXXX favor. How is this working in my favor or best interest. My credit is being ruined by the very people that exist because I do. I was charged XXXX dollar late fees and my XXXX credit score ruined. When i called I spoke with 6 different departments in 2 days ( transfered ) and no one was willing to help. That is why I asked for a supervisor. No one is willing to remove the derogatory information reported on my credit report. Again no one tried to call me. Where does the Sailor Soldiers Relief Act come in to play? They do n’t k ow if i was deployed or not. They did n’t even try to find out either. They did the same thing when they denied my VA loan stating that i did n’t fit criteria because i was n’t going to occupy the residence within 60 days BUT for and active duty member it ‘s occupy within 6 months. Well my credit report was effected then too. I missed the house and my credit took a hit because they denied the loan and chose not to listen or research the information they were giving out. When i called and corrected them i received an apology and was told to reapply. The damage was already done. This is negligence and no consideration at all. Hassle free has been nothing but a hassle the past 365 days. Losing trust bad. They to nothing and do n’t try and assist after the mistake was pointed out.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 9, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection
Full Complaint:
USAA Continues to violate payment allocation rules according to the Credit Card Act. ” PAYMENT ALLOCATION Subject to certain exceptions, when a consumer makes a payment on his or her account, issuers are now required to allocate the amount of that payment that exceeds the minimum payment first to balances that are subject to highest interest rates and then to each successive balance bearing the next highest rate of interest. ” I have a promotional balance with a 0 % interest rate. My 1 Regular Purchase for {0.00} and my 1 Cash Advance for {0.00} both accrue interest at 16.15 % and 16.40 %. I ‘ve been making several payments way above my minimum payment which has been {
Date of Complaint: March 10, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card
Issue: Other
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 9, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Credit card
Issue: Advertising and marketing
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 9, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Bank account or service
Sub-Product: Checking account
Issue: Deposits and withdrawals
Full Complaint:
InXX/XX/XXXX I made a XXXX payment to XXXX XXXX which was only one of multiple payments I had made out of that account towards that XXXX. For some strange reason USSA called that particular payment fraudulent activity and took back the XXXX payment which caused XXXX XXXX. I was all caught up on my payments and then USSA decided to get my XXXX repossessed which put a repo on my credit report that I do n't deserve. Not only that but I traded my XXXX XXXX XXXX on that XXXX so in affect they also took my XXXX XXXX and all the money I had spent on both vehicles. The reason for doing all this is because when I called to get my card released from hold status the person at USSA I spoke with decided that my voice did n't sound as old as my birth date would have suggested. Because of that my XXXX was repossessed on XXXX XXXX XX/XX/XXXX and my credit ruined. As if all this was n't enough, The last direct deposit I had sent to that account came up missing.I had taken my money I had saved from the month before out of the USSA account and had changed my direct deposit over to XXXX XXXX XXXX. The last one went into the USSA account but the money disappeared out the account and now they are trying to XXXX me out of the money as well as what they did to my XXXX and leaving me stranded for a year now..What recourse do I have?
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 10, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card
Issue: Delinquent account
Response Type: Closed with non-monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 11, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Bank account or service
Sub-Product: Other bank product/service
Issue: Making/receiving payments, sending money
Full Complaint:
I have an auto loan with USAA and I chose auto pay and the payments began to default. I was unaware of this. USAA sid they sent out mail but I never received it as i have not been home. I have n't received ANY phone calls. Not one. I was notified by XXXX that my car payment went up and my credit report went down XXXX points. USAA claim to work in the XXXX favor. How is this working in my favor or best interest. My credit is being ruined by the very people that exist because I do. I was charged XXXX dollar late fees and my XXXX credit score ruined. When i called I spoke with 6 different departments in 2 days ( transfered ) and no one was willing to help. That is why I asked for a supervisor. No one is willing to remove the derogatory information reported on my credit report. Again no one tried to call me. Where does the Sailor Soldiers Relief Act come in to play? They do n't k ow if i was deployed or not. They did n't even try to find out either. They did the same thing when they denied my VA loan stating that i did n't fit criteria because i was n't going to occupy the residence within 60 days BUT for and active duty member it 's occupy within 6 months. Well my credit report was effected then too. I missed the house and my credit took a hit because they denied the loan and chose not to listen or research the information they were giving out. When i called and corrected them i received an apology and was told to reapply. The damage was already done. This is negligence and no consideration at all. Hassle free has been nothing but a hassle the past 365 days. Losing trust bad. They to nothing and do n't try and assist after the mistake was pointed out.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 9, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection
Full Complaint:
USAA Continues to violate payment allocation rules according to the Credit Card Act. " PAYMENT ALLOCATION Subject to certain exceptions, when a consumer makes a payment on his or her account, issuers are now required to allocate the amount of that payment that exceeds the minimum payment first to balances that are subject to highest interest rates and then to each successive balance bearing the next highest rate of interest. '' I have a promotional balance with a 0 % interest rate. My 1 Regular Purchase for {0.00} and my 1 Cash Advance for {0.00} both accrue interest at 16.15 % and 16.40 %. I 've been making several payments way above my minimum payment which has been {{{mpg_replace}}.00} on all my statements since XX/XX/2016. USAA has not been applying the payments to the highest balances with the highest interest rates first according the Credit Card Act rules or their own credit card agreement.
From USAA 's Credit Card Agreement : " How we apply Payments. We may apply Minimum Payments and other credits other than payments in any order we deem appropriate. Amounts paid in excess of a Minimum Payment are applied to the balance with the highest APR. '' USAA has continued to adjust my payments to balances in order to continue subjecting me to paying interest on balances that should have long been paid off. I previously contacted USAA directly regarding my concerns and filed a previous complaint, yet nothing has changed. I was even told by a senior USAA executive that I would be getting the interest I 've paid reversed, that never happened either. Is there another federal agency I should be reporting this blatant violation too? At what point should I contact an attorney or file for legal action?
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 11, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Mortgage
Sub-Product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 9, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-Product: Other bank product/service
Issue: Making/receiving payments, sending money
Full Complaint:
Hello, Re-XXXX my name is XXXX XXXX XXXX, I have been paying XXXX mortgage through my checking account. I actually paid the full amount which was due on XXXX XXXX, XXXX, There is a problem with USAA lost Medication Department. ( XXXX XXXX ) has confirmed they have not received any payments. However, my bank which sends the payments. through electronic has confirmed XXXX has been accepting the payments. On XXXX XXXX, XXXX, I was on the phone with XXXX and my bank, and the bank confirmed the payment and the address. This information is recorded. so Please listen to the recording. XXXX XXXX has sent the letter from their research department ( XXXX ) XXXX confirming no payments have been made. Letters dated XXXX XXXX and XXXX XXXX XXXX. On XXXX XXXX I received my check uncashed from XXXX loss mitigation department. ( the check they say they did not receive ) photo attached. One thing Lost mitigation department can not lie about my electronic payments. XXXX XXXX actually sees the payments, XXXX XXXX has stated he will not send XXXX anymore funds all the funds will go to USAA corporate office. It is evident that someone at loss XXXX is trying to sabotage him. There is n't any reason for 5 payments received before XXXX/XXXX/XXXX and they are all lost and not received. The last electronic payment was returned, I have actually XXXX with signed confirmation to USAA Headquarters XXXX XXXX @ XXXX has advised no to do so. However, XXXX has lost faxes and payments. It 's evident there are issues. Here are all the payments sent. Which are {00.00}, {0.00}, {00.00}, {00.00}, {00.00}, {>= ,000,000} I believe these amounts take care of all the payment which were due. Now if XXXX XXXX sends them back and lies about it. XXXX XXXX actually have copies of the letters they have sent. She claims she ca n't listen to the conversation. It shows pure laziness and deceitfulness.
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 10, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Bank account or service
Sub-Product: Other bank product/service
Issue: Account opening, closing, or management
Full Complaint:
I opened an account at XXXX ( USAA ) around XX/XX/XXXX. Shortly thereafter, I became joint owner on my roommate, XXXX XXXX 's USAA account. In XX/XX/XXXX after I realized he had met financial difficulty, I asked that my name be removed as co-owner from his USAA accounts. I was able to do this through my own online account access. I completed the process and was successfully removed from XXXX XXXX 's account. I am attaching screen captures reflecting the completion of this process along with a confirmation from USAA indicating my request was complete.
In the meantime, XXXX XXXX amassed obligations to USAA for an overdrawn account - the same account on which I was previously listed as an owner - and in the end, his financial obligations to USAA were discharged via Chapter XXXX of the United States Bankruptcy Code. However, even though I was successfully removed from XXXX XXXX 's account, USAA has blocked my own account access and services and has informed me that I am indebted to them in the same amount XXXX XXXX was indebted.
Several months ago, I phoned USAA 's customer service, and without disclosing my name or account number ( I told the representative I had generic questions that were not account specific ), I inquired about the process to remove oneself from an account where he is the joint owner. Specifically, I asked if an account has a negative balance, is it possible to remove oneself from that account using USAA 's online services. The representative told me that it is not possible to complete such an action ; and that if attempted, the system would block it and return with a message requesting the member contact customer service for further details.
I was removed from this account as co-owner BEFORE XXXX XXXX became indebted to USAA, yet USAA is continuing to hold me liable for this balance, and they are preventing me from accessing their full suite of services - services I would otherwise be eligible to access. Not only am I unable to view previous account data and records, I am unable to use the accounts I have housed with USAA.
I was under the distinct impression that in taking action as soon as I discovered the joint-owner 's financial situation, I was protecting myself from liability and demonstrating that I did not contribute to this account mishandling.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 10, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Consumer Loan
Sub-Product: Installment loan
Issue: Taking out the loan or lease
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 11, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Mortgage
Sub-Product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 9, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-Product: Other bank product/service
Issue: Making/receiving payments, sending money
Full Complaint:
Hello, Re-XXXX my name is XXXX XXXX XXXX, I have been paying XXXX mortgage through my checking account. I actually paid the full amount which was due on XXXX XXXX, XXXX, There is a problem with USAA lost Medication Department. ( XXXX XXXX ) has confirmed they have not received any payments. However, my bank which sends the payments. through electronic has confirmed XXXX has been accepting the payments. On XXXX XXXX, XXXX, I was on the phone with XXXX and my bank, and the bank confirmed the payment and the address. This information is recorded. so Please listen to the recording. XXXX XXXX has sent the letter from their research department ( XXXX ) XXXX confirming no payments have been made. Letters dated XXXX XXXX and XXXX XXXX XXXX. On XXXX XXXX I received my check uncashed from XXXX loss mitigation department. ( the check they say they did not receive ) photo attached. One thing Lost mitigation department can not lie about my electronic payments. XXXX XXXX actually sees the payments, XXXX XXXX has stated he will not send XXXX anymore funds all the funds will go to USAA corporate office. It is evident that someone at loss XXXX is trying to sabotage him. There is n’t any reason for 5 payments received before XXXX/XXXX/XXXX and they are all lost and not received. The last electronic payment was returned, I have actually XXXX with signed confirmation to USAA Headquarters XXXX XXXX @ XXXX has advised no to do so. However, XXXX has lost faxes and payments. It ‘s evident there are issues. Here are all the payments sent. Which are {00.00}, {0.00}, {00.00}, {00.00}, {00.00}, {>= ,000,000} I believe these amounts take care of all the payment which were due. Now if XXXX XXXX sends them back and lies about it. XXXX XXXX actually have copies of the letters they have sent. She claims she ca n’t listen to the conversation. It shows pure laziness and deceitfulness.
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 10, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Bank account or service
Sub-Product: Other bank product/service
Issue: Account opening, closing, or management
Full Complaint:
I opened an account at XXXX ( USAA ) around XX/XX/XXXX. Shortly thereafter, I became joint owner on my roommate, XXXX XXXX ‘s USAA account. In XX/XX/XXXX after I realized he had met financial difficulty, I asked that my name be removed as co-owner from his USAA accounts. I was able to do this through my own online account access. I completed the process and was successfully removed from XXXX XXXX ‘s account. I am attaching screen captures reflecting the completion of this process along with a confirmation from USAA indicating my request was complete.
In the meantime, XXXX XXXX amassed obligations to USAA for an overdrawn account – the same account on which I was previously listed as an owner – and in the end, his financial obligations to USAA were discharged via Chapter XXXX of the United States Bankruptcy Code. However, even though I was successfully removed from XXXX XXXX ‘s account, USAA has blocked my own account access and services and has informed me that I am indebted to them in the same amount XXXX XXXX was indebted.
Several months ago, I phoned USAA ‘s customer service, and without disclosing my name or account number ( I told the representative I had generic questions that were not account specific ), I inquired about the process to remove oneself from an account where he is the joint owner. Specifically, I asked if an account has a negative balance, is it possible to remove oneself from that account using USAA ‘s online services. The representative told me that it is not possible to complete such an action ; and that if attempted, the system would block it and return with a message requesting the member contact customer service for further details.
I was removed from this account as co-owner BEFORE XXXX XXXX became indebted to USAA, yet USAA is continuing to hold me liable for this balance, and they are preventing me from accessing their full suite of services – services I would otherwise be eligible to access. Not only am I unable to view previous account data and records, I am unable to use the accounts I have housed with USAA.
I was under the distinct impression that in taking action as soon as I discovered the joint-owner ‘s financial situation, I was protecting myself from liability and demonstrating that I did not contribute to this account mishandling.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 10, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Consumer Loan
Sub-Product: Installment loan
Issue: Taking out the loan or lease
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.