July 2017 Complaints Against USAA

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.

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Complaint Details:

Date of Complaint: July 7, 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: Other features, terms, or problems
Sub-Issue: Problem with rewards from credit card

Full Complaint:
My USAA # is XXXX. USAA wrongfully closed 3 of my credit cards. Two of which where part of a cash rewards program. One of the two USAA decided after a year in violation of regulation Z ‘s billing dispute timeline of 90 days to charge back fraudulent charges which they finalized in my favor previously. Granted the original billing dispute resolution still took a little more than the 90 days provided by law.

Despite the failure to recognize and follow billing dispute timelines set forth by consumer protection laws, I was charged anyway. These charges should have earned the respective 1.5 % cash back on regular purchases and 2.5 % on gash and groceries. Which charge back fit under which category I am unable to correctly determine as USAA has refused to provide the requested documentation or identify the charge backs in any way.

In addition there was a cash back balance due to my on both my XXXX and XXXX cards as part of the cash rewards program. The previous cash back balance as well as the cash back rewards which should have been earned on the charges returned to my card are unaccounted for. The last document I received from USAA stated a {

Complaint Details:

Date of Complaint: July 7, 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: Other features, terms, or problems
Sub-Issue: Problem with rewards from credit card

Full Complaint:
My USAA # is XXXX. USAA wrongfully closed 3 of my credit cards. Two of which where part of a cash rewards program. One of the two USAA decided after a year in violation of regulation Z 's billing dispute timeline of 90 days to charge back fraudulent charges which they finalized in my favor previously. Granted the original billing dispute resolution still took a little more than the 90 days provided by law.

Despite the failure to recognize and follow billing dispute timelines set forth by consumer protection laws, I was charged anyway. These charges should have earned the respective 1.5 % cash back on regular purchases and 2.5 % on gash and groceries. Which charge back fit under which category I am unable to correctly determine as USAA has refused to provide the requested documentation or identify the charge backs in any way.

In addition there was a cash back balance due to my on both my XXXX and XXXX cards as part of the cash rewards program. The previous cash back balance as well as the cash back rewards which should have been earned on the charges returned to my card are unaccounted for. The last document I received from USAA stated a {{{mpg_replace}}.00} cash rewards balance. Yet I have not received the funds, nor any notice of where they are.

Company response:

Response Type: Closed with monetary relief

Public Response:
Company believes complaint is the result of an isolated error

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Complaint Details:

Date of Complaint: July 7, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: NV

Product: Checking or savings account
Sub-Product: Checking account

Issue: Managing an account
Sub-Issue: Deposits and withdrawals

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

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

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Complaint Details:

Date of Complaint: July 7, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: VA

Product: Checking or savings account
Sub-Product: Checking account

Issue: Managing an account
Sub-Issue: Deposits and withdrawals

Company response:

Response Type: Closed with non-monetary relief

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

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Complaint Details:

Date of Complaint: July 5, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: MT

Product: Mortgage
Sub-Product: Other type of mortgage

Issue: Applying for a mortgage or refinancing an existing mortgage

Company response:

Response Type: Closed with explanation

Public Response:
Company believes complaint is the result of an isolated error

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Complaint Details:

Date of Complaint: July 7, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: OH

Product: Mortgage
Sub-Product: VA mortgage

Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

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

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Complaint Details:

Date of Complaint: July 6, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: TN

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else

Complaint Tags: Servicemember

Company response:

Response Type: Closed with non-monetary relief

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

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Complaint Details:

Date of Complaint: July 6, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: TX

Product: Checking or savings account
Sub-Product: Checking account

Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card

Full Complaint:
Fraudulent charges on atm card, bank wo n't work it out.

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

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

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Complaint Details:

Date of Complaint: July 7, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: MS

Product: Checking or savings account
Sub-Product: Checking account

Issue: Managing an account
Sub-Issue: Fee problem

Full Complaint:
USAA BANK WILL HOLD MY DEPOSIT UNTIL AFTER NSF FEES HIT MY ACCOUNT ; THEN THEY WILL DEPOSIT MY FUNDS. I BELIEVE THEY ARE DOING SOME DECEPTIVE PRACTICES WITH NSF FEES.

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

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

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Complaint Details:

Date of Complaint: July 6, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: OH

Product: Checking or savings account
Sub-Product: Checking account

Issue: Managing an account
Sub-Issue: Deposits and withdrawals

Complaint Tags: Servicemember

Company response:

Response Type: Closed with non-monetary relief

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

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Complaint Details:

Date of Complaint: July 4, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: OH

Product: Checking or savings account
Sub-Product: Checking account

Issue: Managing an account
Sub-Issue: Banking errors

Full Complaint:
Charges are not reported in logical order. I have charges from the current day appearing immediately and then three days later a charge from 3 days earlier show up. This results in fees that the bank charges. The fees caused by this far outweigh the original charges. It feels like I am being scammed for fees.

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

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

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.00} cash rewards balance. Yet I have not received the funds, nor any notice of where they are.

Company response:

Response Type: Closed with monetary relief

Public Response:
Company believes complaint is the result of an isolated error

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Complaint Details:

Date of Complaint: July 7, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: NV

Product: Checking or savings account
Sub-Product: Checking account

Issue: Managing an account
Sub-Issue: Deposits and withdrawals

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

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

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Complaint Details:

Date of Complaint: July 7, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: VA

Product: Checking or savings account
Sub-Product: Checking account

Issue: Managing an account
Sub-Issue: Deposits and withdrawals

Company response:

Response Type: Closed with non-monetary relief

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

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Complaint Details:

Date of Complaint: July 5, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: MT

Product: Mortgage
Sub-Product: Other type of mortgage

Issue: Applying for a mortgage or refinancing an existing mortgage

Company response:

Response Type: Closed with explanation

Public Response:
Company believes complaint is the result of an isolated error

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Complaint Details:

Date of Complaint: July 7, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: OH

Product: Mortgage
Sub-Product: VA mortgage

Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

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

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Complaint Details:

Date of Complaint: July 6, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: TN

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else

Complaint Tags: Servicemember

Company response:

Response Type: Closed with non-monetary relief

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

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Complaint Details:

Date of Complaint: July 6, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: TX

Product: Checking or savings account
Sub-Product: Checking account

Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card

Full Complaint:
Fraudulent charges on atm card, bank wo n’t work it out.

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

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

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Complaint Details:

Date of Complaint: July 7, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: MS

Product: Checking or savings account
Sub-Product: Checking account

Issue: Managing an account
Sub-Issue: Fee problem

Full Complaint:
USAA BANK WILL HOLD MY DEPOSIT UNTIL AFTER NSF FEES HIT MY ACCOUNT ; THEN THEY WILL DEPOSIT MY FUNDS. I BELIEVE THEY ARE DOING SOME DECEPTIVE PRACTICES WITH NSF FEES.

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

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

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Complaint Details:

Date of Complaint: July 6, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: OH

Product: Checking or savings account
Sub-Product: Checking account

Issue: Managing an account
Sub-Issue: Deposits and withdrawals

Complaint Tags: Servicemember

Company response:

Response Type: Closed with non-monetary relief

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

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Complaint Details:

Date of Complaint: July 4, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: OH

Product: Checking or savings account
Sub-Product: Checking account

Issue: Managing an account
Sub-Issue: Banking errors

Full Complaint:
Charges are not reported in logical order. I have charges from the current day appearing immediately and then three days later a charge from 3 days earlier show up. This results in fees that the bank charges. The fees caused by this far outweigh the original charges. It feels like I am being scammed for fees.

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

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

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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.