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: April 21, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Consumer Loan
Sub-Product: Vehicle loan
Issue: Taking out the loan or lease
Full Complaint:
I went to a dealership to purchase a vehicle. The dealer used all of my personal information to call USAA and set up a loan in my name, then requested the check be sent to him. I was then expecting a vehicle, and never received a vehicle and he kept the money. He isnt licensed to finance, and later I found out that he was n’t supposed to set up a independent loan in my name. He committed fraud against me, and USAA now is refusing to assist me … and are trying to force money out of my bank account. USAA and XXXX XXXX have together committed fraud against me.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: April 25, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem accessing account
Full Complaint:
This complaint is related to a previously filed complaint against U SAA. They have reported to the CFPB that they have worked with me to resolve the issue, yet they have not acted in good faith to resolve my issue.
I am looking for copies of all my bank statements to have for my records. USAA bank has terminated my online account access so I am unable to view those records. When I reach out to the bank, they inform me that since I can not access them online, they will need to charge me {.00} per statement copy for them to provide the copies I need. Since I have been a customer since XXXX and during that time I ‘ve had multiple accounts, the cost to do this would be astronomical. My calculations are that for them to get me all the records I need, it will cost well over {00.00} in fee ‘s. Yet, they are n’t budging. I gave them XXXX options. 1 ) To provide me temporary account access so I can log in and download all the statements that I need, or 2 ) Mail me a thumb drive or CD with all the account information I am asking for, or 3 ) Mail me paper copies of all statements that are on my profile. These are my financial records and I am entitled to them. They provide these records free of charge to their other customers by online delivery. I would happily download these records if they would allow me to. This problem is now causing XXXX other issues that have the potential to cost me a lot of money. I am in the middle of a XXXX tax year audit an d USAA ha s records pertinent to proving deductions with the IRS. Second, I am in a dispute with the child support registry in Washington state. There are XXXX payments over the course of the past 14 years that have not been correctly applied to the account. I need these records to reconcile my records with theirs. To prove my point, on XXXX XXXX XXXX USAA shows a payment in the amount of {0.00} coming from my account, yet only XXXX was credited on the support registry side. These records will assist me in resolving the Washington state matter which is now damaging my credit. I spoke with USAA in late XXXX and early XXXX and I was assured they would assist me with getting me copies of the bank statements. Instead, they sent over XXXX pages of statements for only XXXX account – and that only went back to XXXX XXXX – a full 7 years less than what I was promised on the phone.
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: April 25, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Company closed your account
Full Complaint:
A month ago I contacted the institution and inquired about a rate reduction on my credit cards, in light of recent financial hardships. Upon which, I was informed by USAA agents that the only way they could do a rate reduction was if the account was in the rears and deficient. Following the deficiency, your company would then close the credit cards and afford a reduced interest, in order to pay off the balance.
Three weeks following that conversation, I contacted customer service again, and in fact was late on my payments that were due. The agent then acknowledged the previous conversation, and proceeded to close my two XXXX XXXX cards with USAA, and then informed that she would be transferring me to another agent to adjust the interest rate so the card could be paid off. Upon transfer, the next agent claimed to have no knowledge of any interest rate reduction policy, and refused to help. The fact that the subagent advised, that in order to receive a reduced interest rate, I would have to first be delinquent on my account, is the first issue. The second issue is that in light of the closures, my credit worthiness has been affected adversely and also created a legal detriment to my financial standing. As a result of the subagents advice and actions, the company has violated various federal statutes, to include the FDCPA, and UDAAP, of which provide fines and penalties against the offender, and provide support of compensatory or punitive damages ( or both ) to an affected party, as a result of the wrongful acts of the banking institution.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: April 25, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Communication tactics
Sub-Issue: Frequent or repeated calls
Full Complaint:
I owe USAA about XXXX in credit card debt at 18 % interest. The card is closed. I lost my fulltime job last year when I experienced a health crisis and have been sporadically part time employed since then. I am also going to school this semester to use my post XXXX GI bill benefits. I can not pay more than about {0.00} amount but my bill is usually upwards of {0.00} and they add a late fee every month. I have asked for a reduced rate and if I could qualify for some sort of hardship program such as XXXX XXXX gave me. They referred me to an in house member debt assistance which told me I do not qualify since I have too much debt to be successful in the program. This has been going on for about 2 months. Recently in the pa st 2 weeks they have started calling every single day at least 3x. Wh oever calls does n’t seem to know much about my problems, so I have to explain every single time, I think that they do n’t even bother to keep notes.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: April 24, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Company closed your account
Full Complaint:
This company closed my account arbitrarily in XXXX XXXX soon after I opened it based on their relationship with a family member which they refuse to explain. I have never dealt with such an unethical and rude financial institution that wants to collectively punish family members and refuses to disclose any reasoning behind it. This has damaged my credit and I expect the inquiry for it to be removed from my XXXX report that is dated XX/XX/XXXX I should n’t be punished for a company ‘s bad policies that have nothing to do with the current customer as they acted in bad faith with this account.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: April 26, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem caused by your funds being low
Sub-Issue: Overdrafts and overdraft fees
Full Complaint:
USAA is not being fair when it comes to their overdraft policy. They are letting funds hit your account on purpose when the funds are short. for example i made a deposit to cover my transaction and they are still telling me tha t they accurately collected a fee from me.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: April 25, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
Full Complaint:
Yes, my name is XXXX XXXX XXXX XXXX I am a XXXX XXXX XXXX XXXX and have and am currently being harassed by the XXXX XXXX XXXX XXXX XXXX XXXX , Alabama, XXXX . The policy I have with them falls under USAA Federal Savings Bank XXXX XXXX Wind and Hail. Since I bought my house at XXXX XXXX XXXX , XXXX Alabama XXXX , on or about mid- XXXX XXXX – I have received on a frequency of about one a month correspondence from the Alabama XXXX XXXX XXXX out of XXXX XXXX AL, requesting various information, that I have had to have USAA Federal Savings Bank handle, repeatedly. This year alone ( XXXX ) I have received XXXX letters from the Alabama XXXX XXXX XXXX , most recently threatening to cancel my Insurance, unless I provide yet more information. This is simply harassment. If I lose my insurance my mortgage will be foreclosed! I have asked XXXX XXXX XXXX Bank numerous times to fix this- obviously to no avail. On, XXXX XXXX XXXX I spoke with a XXXX at USAA, who claimed she could not in fact contact this agency in Alabama, despite other USAA agents who could. Now oddly, the Probate Judge of XXXX XXXX , Alabama, where I reside, XXXX XXXX , was the Mayor of XXXX Alabama, who left this position under dubious circumstances. Also XXXX XXXX is a big time or was a big-time player in the Insurance industry here in XXXX XXXX and the State of XXXX with links to corrupt officials like the former Governor XXXX XXXX who utilized State law enforcement to intimate citizens. Oddly, I have had unpleasant dealings with him recently, in his capacity of XXXX XXXX , when he in fact has no formal legal training. He committed me because I found some supposedly counterfeit money, but in reporting it supposedly highly upset someone in local XXXX XXXX ! This is despite following law-enforcement personnel guidance and direction to the letter! I have also had undue issues with the XXXX XXXX XXXX XXXX which XXXX XXXX XXXX know intimately, in addition to the local Department XXXX XXXX XXXX XXXX Now I do not know if these entities are linked, or not!?!? However, I would highly suggest, that all parties aforementioned are looked into for any sort of possible collusion in this matter, as I know of no one else that has had all of these issues- and for as long, with no end in sight. Also, a former big-shot from XXXX XXXX lived ( and still might ) in my sub-division of XXXX XXXX , XXXX , AL. I am so exasperated that I have told USAA that I do not care if my mortgage is foreclosed if I lose my insurance. Thank You for any attention in this matter. XXXX XXXX XXXX
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes complaint caused principally by actions of third party outside the control or direction of the company
Date of Complaint: April 25, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: April 24, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Mortgage
Sub-Product: VA mortgage
Issue: Closing on a mortgage
Complaint Tags: Servicemember
Response Type: Closed with monetary relief
Public Response:
Company believes complaint is the result of an isolated error
Date of Complaint: April 26, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn’t receive enough information to verify debt
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.