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 20, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Bank account or service
Sub-Product: Checking account
Issue: Using a debit or ATM card
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 21, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Issue: Transaction issue
Full Complaint:
USAA credit card division has a collection agency harassing me daily for a phony charge of {00.00} for merchandise that USAA has been in possession of for over two years!!!!!!!!
USAA is full of lying, dishonest, scheming, unprofessional corporate creeps!!!!!!
ATTENTION ALL MILITARY PERSONAL, PLEASE DO NOT BELIEVE THE USAA COMMERCIALS STATING THEY SUPPORT YOU!!
THEY DO NOT!!!!!
THEY WILL STICK IT TO JUST LIKE THEY DID ME!!!!
Complaint Tags: Older American
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 19, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Bank account or service
Sub-Product: Checking account
Issue: Account opening, closing, or management
Full Complaint:
Accidentally uploaded the same check twice after being heavily medicated. All accounts where closed because the same check was uploaded. Shallow investigation done. Been a member since XX/XX/XXXX or XX/XX/XXXX. Never had this issue. Was not given an opportunity to provide any information or documentation regarding what happen. Was n’t informed the account was closed until after I called and then I received information in the mail. Waited over 90 days to get the funds that were held.
Complaint Tags: Servicemember
Response Type: Closed with monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 17, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Full Complaint:
On XX/XX/XXXX, I contacted USAA to close my credit card account with a credit limit of XXXX revolving limit. Upon pulling my credit report on XX/XX/XXXX I was shocked to find the account still active. When contacting the organization, there is no answer to why it is still open. Nine months of thinking my account is closed, and there is XXXX now sitting out there as revolving credit.
I feel this misstep, failure to close, or failure to listen to the customer not only benefited the company ; but placed a negative impact on my credit worthiness. According to my USAA website, thru XXXX, one of the four factors lowering my credit score was, ” Your largest credit limit on open bankcard or revolving accounts is too low – XXXX accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The largest credit limit among all the open bankcard or revolving accounts in your credit file is low. Having higher limits gives you access to credit without seeking new loans or becoming overextended – which are triggers for higher risk. ” This reflects the card I thought was closed. Currently my credit report states {000.00} of credit, approximately 45.2 % of that is USAA ‘s card.
This lack of accountability and systems that provide for customer protection and service is incredible. As a 26 year member of USAA, these actions only demonstrate their lack of compassion for loyalty. I request a written response to this, specifically laying out the failures within USAA. While I do not think I am the only one this failure happened to, I would be interested in how many accounts were delayed or failed to be closed that benefited USAA? This borders on fraudulent accounts utilized for increasing profits for the organization at the expense of the customer, in my opinion.
Also, I filed a written complaint in XX/XX/XXXX against previous banking processes. I would like to know if this ‘failure ‘ was repercussion for speaking out? Thank you for your time.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes complaint is the result of an isolated error
Date of Complaint: March 19, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH
Product: Mortgage
Sub-Product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure
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 21, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK
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: March 17, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Bank account or service
Sub-Product: Checking account
Issue: Problems caused by my funds being low
Response Type: Closed with monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 20, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Credit card
Issue: Billing disputes
Full Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2010, XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 18, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Consumer Loan
Sub-Product: Installment loan
Issue: Managing the loan or lease
Full Complaint:
Furthermore, I have asked for access to my bank statements for my accounts. Normally these statements are available online. Since they have revoked my online access, I can not view or download any of my bank statements. To add insult to injury, whenever I call into USAA to request the statements be mailed to me, I am told I must pay {.00} per statement. I believe there are payments that were made to my loans with USAA that are evidenced on my bank statement, yet they are not giving me access to documents that will either prove or disprove my claim.
In XX/XX/2016 I also purchased an extended vehicle contract on a XX/XX/2016 XXXX. At the same time, they closed my account relationship with them, they cancelled the agreement and refunded all the money I paid in to it, even though I did not want this third-party agreement cancelled. They issued me a refund, yet I have no way of confirming whether the refund is the proper amount. I can not verify information online and the payments would be evidenced in my bank statements which they are not providing to me. Needless to say, when USAA cancelled this third-party contract, the action prevents me from getting coverage elsewhere without incurring a significant cost increase. It is worth mentioning that payments towards the auto warranty were made on time and were never late.
In closing, I need the CFBP to assist me with getting my issue addressed with high level governance within USAA.
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 17, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Bank account or service
Sub-Product: Checking account
Issue: Making/receiving payments, sending money
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.