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: May 11, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Card was charged for something you did not purchase with the card
Full Complaint:
An associate XXXX XXXX at USAA bank sent to my XXXX XXXX credit card account an after XXXX stating that my payment to my credit card were fraud. Which was not true I made them payments and they were legit. XXXX XXXX credit services sent back to USAA my payments fr om XX/XX/XXXX thru XX/XX/XXXX the amount of {00.00}. USAA have received the funds since XX/XX/XXXX . U SAA has not return my funds to my account as of yet. I have called and complained for over a year now. No return calls or any contact. A representative from CEO ‘s office gave me a number XXXX XXXX at XXXX Extension XXXX that she do n’t answer or return calls at all. They asked for documents stating they have my funds and I faxed them XX/XX/XXXX .That was not accepted they wanted the credit card services to fax it to them and the y did so. This issue has gone over a year. They interrupted my credit card without my permission and without notifying me. Made XXXX XXXX return my funds and kept the money, that is against the law.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: May 12, 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: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn’t resolving a dispute about a purchase on your statement
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: May 8, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn’t resolving a dispute about a purchase on your statement
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: May 8, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
Full Complaint:
USAA h as lowered my credit limit to {00.00}, way below my current balance of {00.00} and immediately reported this to the credit bureaus causing m y credit score t o drop XXXX points fo r the XXXX time in last XXXX . It is their attempt to force me to pay a higher monthly payment. This is the XXXX credit card with USAA w hich they lowered my credit limit below my current balance and reported this negative information to all XXXX credit bureaus. I belie ve USAA has t argeted me for some reason and are deliberately ruining my credit history causing me higher rates for insurance and causing other creditors to follow suit. I have had this credit card for approx. XXXX years and have NEVER missed a payment. Further, I have never missed a payment with any account in my name my entire life. I am XXXX years of age and never have I had any kind of negative information reported to my credit report, However, in the last week USAA ha s wrongfully report ed XXXX separa te negative items to my credit report.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: May 8, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Managing an account
Sub-Issue: Banking errors
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company can’t verify or dispute the facts in the complaint
Date of Complaint: May 13, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn’t resolving a dispute about a purchase on your statement
Full Complaint:
XXXX XXXX I had a bunch of fraudulent activity on my credit cards. I reported it to my bank ( USAA ) i mmediately, however it took them quite a while to get the claim completely correct. Now, a year later after having issued permanent credits to my account, they have decided to reverse this action and make me liable for purchases I did not authorize.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: May 10, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
Full Complaint:
I never do this but my disappointment in USAA is extreme. I have been a member for 20 years. I was an employee for 6 years, and for the life of me I ca n’t understand the way this bank has changed. Today I made a mobile deposit using a money order. Without prior warning before the deposit, my funds were put on hold for a week. I make this same transaction every month to pay my rent but for whatever reason this time my funds have been placed on hold. I was transferred to the executive resolution team and was told they will review for an exception. I was denied this because, I do n’t deposit enough money to get the exception. What kind of treatment is this? I have a direct deposit every 2 weeks, and the solution I was given is to apply for a USAA credit card or borrow the money. Unbelievable USAA. What is the difference between you and XXXX XXXX or XXXX or any other big bank that only cares about their profits. Do you even remember what it means to serve? What does XXXX stand for USAA. Lesson learned. Sure my rent check will be returned and you will charge a NSF fee as well as whatever fees my landlord is going to charge. Thanks XXXX
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: May 8, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company’s investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
Full Complaint:
To whom it may concern : I am disputing a late payment that was reported by USAA Savings Bank back in XXXX -2016, Credit Card number : XXXX ( I believe the bill was for XXXX 2016 ). The reason for the dispute is because I did not receive a bill at the time when my credit card was charged due to moving in XXXX 2016 from XXXX XXXX XXXX XXXX , Texas XXXX to XXXX XXXX XXXX XXXX , Texas XXXX . Furthermore, when I finally received a bill forwarded from my old address in late XXXX -2016, I immediately notifi ed USAA of my new address where I then paid bill in full. I then escalated matter with USAAs management team where they updated my new address in their database. While speaking to a USAA manager, I then asked if they contact their credit cardholders when a bill is late and she advised they do not call cardholders for late payments. The manager explained that it was my responsibility to notify USAA when I moved and I advised that I just had moved and was going to notify USAA but was busy moving. Additionally, I told her that I did n’t even know that I had a bill outstanding as the company that charged my card had my account number. It is also important to note that prior to this late payment being reported by USAA, my credit score was i n between XXXX , which is a perfec t credit score rating t hat has taken my entire life to earn for being a responsible person who pays their bills on time. Since then, my score has substantially dropped by over XXXX XXXX points due to USAA not notifying me of the past due bill. Enclosed, please find a copy of my lease from when my lease was executed in XX/XX/XXXX 2016. However, I did not move into my new address until late XX/XX/XXXX Any further questions, please feel free to give me a call. Yours truly, XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX XXXX
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: May 13, 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: Incorrect information on your report
Sub-Issue: Account information incorrect
Full Complaint:
My credit card company, USAA canceled their contract with Mastercard and began a new contract with Visa sometime around XXXX XXXX XXXX . As a result, they canceled my USAA Mastercard and sent me a new USAA Visa credit card. My Mastercard had been enrolled in autopay for many years. When USAA sent me a new Visa card, none of the services associated with the old card transferred to the new card and there was no correspondence from them to warn me of this. So I assumed that I was still enrolled in autopay. In XXXX XXXX XXXX I noticed a late fee on my bill, not something that I was accustomed to seeing with the autopay, so I contacted them. They told me that I was delinquent and that they had reported me to a credit agency. I thought this was inappropriate, so I began the dispute process with USAA on XXXX XXXX XXXX . My dispute was denied. I still ca n’t believe I was treated this way by USAA, who is usually very good to it ‘s customers. To this day, my credit score is affected negatively by their failure to communicate.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: May 12, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Managing an account
Sub-Issue: Problem accessing account
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.