April 2017 Complaints Against USAA

Compiled from Public Data by FairShake

If you have an issue with USAA, you’re not alone.

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.


Do you have a complaint against USAA?

Pursue Legal Help

FairShake helps thousands of people take legal action & get compensated…

Learn more about how to sue USAA

Complaint Details:

Date of Complaint: April 6, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: OH

Product: Credit card

Issue: Billing disputes

Full Complaint:
I pay {0.00} to my USAA visa credit card on XX/XX/XXXX, and it is not reflecting on my credit score. They said every thirty days they report to the credit bureau but I still do not see it reflecting on my score its been over 30 days. The VA has given me an opportunity to get a house loan but wanted me to take care of this card to lower my balance on this card and my XXXX card, I did and I score dropped XXXX points. since XX/XX/XXXX 87 % of the time I have been paying regularly money coming from my account but my score never reflects. I am at a lost I do not know what to do. PLEASE HELP ME, I am trying to understand all this credit issues thank you, consumers struggle to make ends meet but we continue to drown because we do not understand the system.

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: April 4, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: GA

Product: Consumer Loan
Sub-Product: Vehicle loan

Issue: Problems when you are unable to pay

Full Complaint:
Filled out all required paperwork for loan modification. Sent it within the requested timeframe to USAA and now they are saying they did not get it on time, which is a lie considering the date time stamp on the fax THEY reference shows different. USAA is using bait and switch tactics that are illegal and have cost me lost money due to interest and fees.

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: April 6, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: MD

Product: Credit reporting

Issue: Incorrect information on credit report
Sub-Issue: Account status

Full Complaint:
I have been paying my bills down and on time and some of my loans off but yet my score decreased by XXXX points for no reason. Nothing changed with the exception of paying one loan off and another loan way down. This seemed odd to me and I do n’t understand why my score went down for paying off my debt as instructed by usaa.com’a credit monitoring service. Please assist

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: April 5, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: None

Product: Bank account or service
Sub-Product: Checking account

Issue: Using a debit or ATM card

Full Complaint:
To Whom it may Concern ; My name is XXXX and my husbands name is XXXX. We have been banking with USAA for about 10 years with no issues but currently we are experiencing a problem with Fraud and USAA emptying out all of our accounts to cover the offset the amount of the fraudulent activity that has taken place out of the State of XXXX.
We notice our situation on the XX/XX/2017 when we discovered through our online banking account multiple electronic deposits happened on XX/XX/XXXX and XX/XX/XXXX totaling up to around {000.00} were made then multiple ATM cash withdrawn totaling up to {000.00} within the matter of hours from one of our checking accounts. Since my husband and I are the primary account holder they have taken all our money in all of our accounts to pay for the fraudulent activity not committed by any of us. I tried going onto my account to print out those transition in order to file a police report but my online account access was locked and was told I can not have access till an investigation is completed by their fraud department. A USAA representative stated these transactions are made from our sons account which is a Sub-account under our primary account, we are held responsible for any transactions even if a fraud claim has been made. USAA made it clear to my husband and I that we have to cover USAA ‘s lost.
After much research very similar situations have occurred with other USAA members having their accounts wiped out by USAA to cover for fraudulent activity out of the State of XXXX. The exact same situation, same account fraud type, and same response from USAA. I do n’t understand how is it that if USAA have a cash withdraw limit of {0.00} per day but allow multiple {00.00} withdraw in a matter of hours. This wiped out my son ‘s paycheck. My husband and I are XXXX and my son is XXXX in the state of XXXX. And now they are holding our funds as well. USAA was are primary and only bank. I have nothing and is using credit cards to manage till my husband and I get paid again. Till this is settled, we had to open up a new bank account to ensure our future income/ funds are not depleted.
Thank you.

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: April 5, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: CA

Product: Debt collection
Sub-Product: Credit card

Issue: Disclosure verification of debt
Sub-Issue: Right to dispute notice not received

Full Complaint:
After reviewing my credit report with all XXXX Credit Bureaus ( XXXX and XXXX ) I noticed a derogatory item from USAA Bank on all XXXX Credit Bureaus, ” of a debt/charge off for {00.00}. ” I sent USAA a certified letter via USPS requiring a signature, requesting ” verification ” pursuant to the ” Fair Debt Collection Practices Act ” of this debt/charge off for {00.00}. ” Verification meaning competent evidence bearing my signature. USAA received my letter on XX/XX/2017. In my letter I requested for them to remove this Account ” of a debt/charge off for {00.00}. ” from my report if they could not provide me with competent verification of this account with my signature. USAA has not responded to me at all. 0 correspondence and they did not dispute the account with the credit bureaus. This Account ” of a debt/charge off for {00.00}. ” that USAA is reporting to XXXX and XXXX, all XXXX of the Credit Reporting Bureaus which is affecting my credit scores negatively and preventing me from granting credit. I want this Account ” of a debt/charge off for {00.00}. ” removed. USAA failed to respond in 30 days of my letter and did not provide me with any competent verification of this Account ” of a debt/charge off for {00.00}. ” bearing my signature. Id also like to note that I have sent the same letters to each Credit Bureau requesting verification and all XXXX ( XXXX, and XXXX ) have failed to provide me with evidence bearing my signature in regards to the Account ” of a debt/charge off for {00.00} with USAA. ” Thank You

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: April 4, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: NY

Product: Credit card

Issue: Delinquent account

Full Complaint:
XX/XX/2017 — Called USAA to set up 60 month pay off agreement. Was told will have to go through income verification worksheet. Was told that a payment is needed within 15 days of agreement, I notified rep that I would call back next week so I would be able to comply with the 15 day payment agreement.
XX/XX/2017 — Called USAA to set up this pay off agreement previously mentioned. Went through the financial information with associate. I was told that my income met the guidelines, however because my account is 4 months overdue, I would not qualify for a long-term repayment plan. I repeated what rep told me last week and was told that it must have been an oversight. The current representative I was on the phone with told me that I he saw what was notated on the account and agreed with me. He transferred me to a supervisor voicemail and said that I should receive a phone call back before the end of the business day. Representative offered me two other options : 12 month payments of {.00} and would go back to normal interest rate even though the account is closed. I could also make three payments of {0.00} and bring the account current, however it would remain closed.
I am getting the run around, meanwhile they continue to rack on fees and interest while I am legitimately trying to get my finances in order with them.

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

Public Response:
Company believes the complaint is the result of a misunderstanding


Complaint Details:

Date of Complaint: April 4, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: NE

Product: Bank account or service
Sub-Product: Checking account

Issue: Problems caused by my funds being low

Complaint Tags: Older American, Servicemember

Company response:

Response Type: Closed with explanation

Public Response:
Company believes complaint represents an opportunity for improvement to better serve consumers


Complaint Details:

Date of Complaint: April 6, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: TN

Product: Credit card

Issue: Closing/Cancelling account

Full Complaint:
I have had a credit card account with USAA for years as my father who served in the military did before me. USAA retaliated against me for questioning submissions to my credit bureau by closing my credit line.

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: April 5, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: FL

Product: Bank account or service
Sub-Product: Checking account

Issue: Account opening, closing, or management

Company response:

Response Type: Closed with explanation

Public Response:
Company believes complaint represents an opportunity for improvement to better serve consumers


Complaint Details:

Date of Complaint: April 6, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: OK

Product: Consumer Loan
Sub-Product: Vehicle loan

Issue: Managing the loan or lease

Full Complaint:
I had an auto loan that was disputed after a wreck due to multiple departments of USAA telling me different things. I had asked for GAP when I purchased the car but USAA informed me the box must have been unchecked and since I did not pay for GAP I had to satisfy the balance. This information of not having GAP insurance was not provided to me until months after totaling the vehicle. Until that time I asked if I needed to make a payment or wait for GAP to go into effect. I asked how long it would take and if there was anything else I needed to do, and was told multiple times that GAP can take awhile and the XXXX departments are not allowed to communicate with each other. Once I was informed I did not have GAP the claim went into dispute. USAA and I reached and agreement that once the outstanding balance was paid they would update my credit as my only concern was repairing my credit, because once I found out I did not have GAP my credit was already damaged. Below is part of the email sent on XX/XX/XXXX that outlined the outstanding balance and update to the credit bureau.

Per your request, I did reach out to the Member Debt Solutions department of USAA Federal Savings Bank. USAA individual from Member Debt Solutions ( name removed ) confirmed that an outstanding balance on the auto loan does remain. She advised that once the outstanding balance is resolved, they will update the credit bureau report.

This outstanding balance was satisfied on XX/XX/XXXX. A credit report was recently done as I am trying to buy a house. The full balance from USAA still shows as unpaid as of XX/XX/XXXX, I have contacted USAA who could tell me that the balance has been paid, but was unable to comment about why an outstanding balance for the auto loan is still showing up on my credit nearly three months later. I do not understand why this has not been resolved as we agreed.

Company response:

Response Type: Closed with non-monetary relief

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.

X