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: June 17, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Struggling to pay your loan
Sub-Issue: Lender trying to repossess or disable the vehicle
Full Complaint:
On XXXX XXXX , I call ed USAA Debt Solutio n due to received a letter about loan being pass due. They refer me to XXXX XXXX and I filled out an application for a short term hardship. I fax documents back and was told it can take up to 30 days. I called for updates and told it ‘s pending. Even called on XXXX XXXX and XXXX XXXX concerning another issue and not told approved. Received letter dated XXXX XXXX threatening repo. Called XXXX XXXX to XXXX XXXX and told was approved for program on XXXX XXXX but no one called to let me know because I ‘m on do not call list. Stated no because I get collection call and never requested. Asked for date placed and why but was told no date. Reque sted manager callback. Manager callba ck XXXX XXXX and tell me just got fill out new application because over 30 days. The process takes up to 30 days itself so. She stated ca n’t use old approval. Get more calls and stated must pay by XXXX XXXX or will repo.
Response Type: Closed with monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 19, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-Issue: Didn’t receive advertised or promotional terms
Full Complaint:
On XX/XX/XXXX , I got an email from USAA advertising their 0 % for a year promo for balance transfer, and if I acted by XXXX XXXX , I ‘d get the 3 % waived. I found out today that I was charged the 3 % when I asked why, they directed me to the fine print that it has to be POSTED by the XXXX , not initiated. I told them that was deceptive because I had no control of when they posted anything, they could deliberately hold posting beyond the XXXX to get more fees. I also asked them why ‘d they send the offer on XXXX XXXX , knowing I could n’t take advantage of it since it takes many days to process.. After an hour, I was basically told tough XXXX XXXX XXXX . They refused to cancel the balance transfer, refused to refund the 3 %. They told me I was free to pay the credit card off, but they ‘d still get the 3 % I got transferred to the escalations department. I want to point out that I just wanted to take advantage of the offer. I never pay credit card interest, and never carry a balance so when they stole 3 % from me, they cost me money, not save it. Given that, as the consumer, this was n’t clear advertising, but default they should be forced to make it right. When you initiate a transaction with a bank online, you do n’t anticipate them to take a week to process it. Given the facts above, I ask that you submit to USAA and request them to make this situation right.
Response Type: Closed with monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 16, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 14, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 15, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: None
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don’t recognize
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 17, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
Full Complaint:
I have an XXXX XXXX account with USAA and I ‘ve been constantly been charged with interest on purchases fees in the amount of {.00} and also hit with a interest charge for cash advances in the amount of {.00} on a monthly basis. I ‘m hit with the interest on purchase fee if I pull out a cash advance and I believe the cash advance fee to way to high. I ‘m also hit with these same charges even if I dont ‘ use the card at all. I ‘m being told that I also incur these charges if I carry a balance over to the next month. I ‘ve been making payments on this account for years and these charges whether I use the card or not is keeping me in a constant loop of debt. I ‘ve tried to talk to XXXX XXXX at USAA about these constant charges to no avail. I need this agency to step in and mediate an fair rate of interest. It ‘s like a mob shake down where I will never be able to pay this account off. I ‘ve attached a copy of my account statement.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 15, 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 was th e victim of identity theft / credit card fraud. I pay for the identity theft and monitoring service through USAA as well and followed all directions provided as well as all requested from USAA ban k. Provisional credits were issued on both my affected credit cards and checking account. However, on XXXX card the charges were charged back to me, only to be credited back yet again. At which time USAA sent documentation that all credits were permanent. However, a year later in XXXX XXXX without notice, explanation, or even contacting me to t ell me USAA decided to charge back only XXXX of my affected credit card accounts for the finalized fraud/billing dispute a year prior. This is in violation of Paragraph 13 ( c ) ( 2 ) of Subpart B 1026.13 ( c ) ( 1 ) Effective D ate : XXXX / XXXX / XXXX of Regulation Z.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 17, 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 go thru a website to get my earnings deposited into my account but my bank is not cooperating with the company to supply the information needed in a timely manner. This company helps me with funds before I get my paycheck if funds are tight and is needed in a timely manner. My account also was charged fraudulently and a report was made and after almost two months I am still waiting for the money to be put back in my account.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 14, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Mortgage
Sub-Product: VA mortgage
Issue: Closing on a mortgage
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 19, 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: Advertising and marketing, including promotional offers
Sub-Issue: Confusing or misleading advertising about the credit card
Full Complaint:
I opened a promotional credit c ard with USAA in XXXX . I made a couple purchases totaling XXXX in addition to the promotional transfers. Their credit card terms state o n page 14 section d that any payment above the minimum payment will be applied to the balance with the hi ghest APR. In XXXX I paid almost XXXX and they applied the excess to the lowest APR and charged interest on the highest APR. I called 4 times and was bounced around, lied to, deceived and told that I was wrong until I spoke to a third level manager who admitted i was right and waived the fee plus calculated what needed to be paid in XXXX to stop the interest at XXXX . In XXXX I paid almost XXXX and again it was applied in the same manor and I was charged interest. I called ag ain and again got the run around. This time the third level manager could not have cared less. USAA ad vertises caring and customer service and I got the exact opposite. As a XXXX vet I expected more from a company that says they will take care you those who served. Instead they word rather jerk me around lie deceive and steal from me. It ‘s not about the money it ‘s about the honor integrity and morals of a company. It is clear that USAA has none of these. We have multiple accounts across our family and we will be closing all of them. USAA will lose at least 6 custo mers for the XXXX that they stole from me. Does not seem worth it to me.
Complaint Tags: Servicemember
Response Type: Closed with 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.