August 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.


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Complaint Details:

Date of Complaint: August 7, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: VA

Product: Mortgage
Sub-Product: Home equity loan or line of credit (HELOC)

Issue: Trouble during payment process

Full Complaint:
I ‘ve made payments to my home equity line of credit ; however the lender does not reduce the interest first – they only apply the amount paid to the principal. This enables the bank to accrue more interest and increase the amount of the loan on the back of the customer. When I sought a response from the bank, the response was that no payment was due. However, interest continues to accrue ; so by me making a payment and the bank not applying the accrued interest, I am being charged additional interest despite my paying a monthly payment.

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: August 8, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: PA

Product: Checking or savings account
Sub-Product: Other banking product or service

Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized

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: August 4, 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: Problem when making payments
Sub-Issue: Problem during payment process

Full Complaint:
-On XXXX XXXX , 2017 I paid all of my accounts with USAA in full.
-On XX/XX/XXXX I confirmed that all of my accounts were paid off in full and found I still owed XXXX on my account -On XX/XX/XXXX I sent in a payment of {.00} in order to pay off my Master Card account in full. I confirmed with USAA that the account was paid off in full.
-On XX/XX/XXXX USAA assigned a charge to a XXXX for XXXX . I called them and asked them to remove it as the card had been paid in full. Over the course of the next week I talked to multiple managers at USAA and they refused to remove it. I specifically requested they examine all my accounts with USAA to ensure I was paid in full. I told them I would write a complaint to the CFPB in regard to this.
-On XX/XX/XXXX USAA called to tell me they were going to waive the XXXX . They had already done so as of XXXX XXXX , 2017.
– On XX/XX/XXXX USAA assigned a charge of {.00} to the Master Card I had paid off in full on XX/XX/XXXX .
This is clearly a retaliation for submitting a CFPB complaint and an attempt to get money from me for the {.00} they ” waived ” from the other account. I have asked them to ensure all of my accounts are closed and completed prior to XX/XX/XXXX , and they told me they were. I have paid them in full and they just keep assigning charges to me on an account that they can then assign a late fee to if it is not paid and use that account to destroy my credit rating. They have implied as much in conversations threatening to send these charges to collections.

Complaint Tags: Servicemember

Company response:

Response Type: Closed with monetary relief

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


Complaint Details:

Date of Complaint: August 5, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: KS

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:
My credit card has offered promotional rates on balance transfers in the past, which I have taken advantage of. According to my XXXX 2017 statement under ” interest charge calculation, ” I had a {00.00} balance at a promotional rate of 0.00 % through X/XX/17 and a {00.00} balance at a promotional rate of 1.90 % through XXXX/XXXX/XXXX. My purchases balance ( at 12.65 % ) was {.00}. In XX/XX/XXXX, I took advantage of a balance transfer offer on a different card and transferred {00.00} of this card ‘s balance out ( effective XX/XX/17 ). I also made payments of {.00} and {0.00} on XX/XX/17 and XX/XX/17, respectively. As I understand it, credit card companies are supposed to apply payment to the balance with the highest rate first now. When I received my XX/XX/XXXX statement, the promotional rate of 0.00 % applicable to the {00.00} balance had been changed, without my request, to XX/XX/17. Almost all of my payments/transfers out had been applied to the {00.00} balance ( at the 1.90 % promotional rate through the end of the year. ) I do n’t think it ‘s right for them to manipulate my promotional rates, even by extension, in an attempt to force me into paying more interest. As it now stands, I will be paying 12.65 % on the entire {00.00} balance starting in XX/XX/XXXX. This amount should be closer to {00.00}. I believe what USAA has done here is fraudulent, and they could be doing this to a lot of people.

Company response:

Response Type: Closed with non-monetary relief

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


Complaint Details:

Date of Complaint: August 7, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: IL

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

Issue: Closing an account
Sub-Issue: Company closed your account

Company response:

Response Type: Closed with monetary relief

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


Complaint Details:

Date of Complaint: August 4, 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 accessing account

Full Complaint:
In XXXX 2017 without warning, j ustification or reason USAA decided to restrict my online account access and shortly there after with out warning as required by law close all my accounts in direct response to my filing a complaint with the CFPB. Which is also against the law. However, as a result I began requesting both past and future statements be mailed to me for my checking account for my records. However, to date I have received a single statement for my checking account, and only been told of transactions by USAA for this account. The transaction details I was informed of were all very generic and vague, making little to no sense. Despite multiple requests for additional identifying information USAA has failed to provide the requested information. Additionally, I received a letter dated XXXX XXXX , 2017 stating I needed to claim funds in my USAA checking account or they would be sent to the state as uncl aimed property. However, when I tried to claim the funds USAA agent XXXX informed me I was unable to do anything with the funds and they were not able to be claimed or transferred to any of my other accounts away from USAA as their letter stated I needed to do. So, USAA has sent me a letter requiring me to do something and then refused to allow me to do as their letter required.

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: August 7, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: KY

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: Card was charged for something you did not purchase with the card

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: August 7, 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: Deposits and withdrawals

Full Complaint:
On XX/XX/XXXX I deposited a credit card courtesy check for {00.00} via mobile deposit to my XXXX checking account. The response I got via the app was that the deposit was not successful. I then deposited the check via a mobile deposit to USAA. That deposit was successful. On XX/XX/XXXX I received an email from XXXX stating that the deposit was successful. I immediately called XXXX and told them when the app said the deposit was not successful I had deposited it to another bank. XXXX said they would not complete the deposit. On XX/XX/XXXX I looked at my USAA account and saw that the {00.00} deposit to USAA had been reversed. I called and was told I could n’t deposit a courtesy check into the account. They could n’t tell me why. I believed at that point, that the {00.00} was not deposited anywhere and my credit card ( that the courtesy check was drawn on ) would n’t be charged. Around XX/XX/XXXX I looked at my USAA account and saw that my credit card was charged the {00.00}. I spent the next 10 days or so trying to resolve the issue with USAA ( the bank the credit card was through ). Every time I received a different reason why I owed my credit card {00.00} yet had not received {00.00}. I finally spoke with a corporate person and she said USAA had paid the {00.00} to XXXX. I began calls to XXXX. They say USAA put a hold on the check and did n’t pay it and they claim that when they call USAA their calls are n’t returned. It ‘s been more than 5 weeks and I now owe {00.00} yet received nothing for it. Each bank claims they do n’t have my funds yet the credit card side of USAA wants me to pay for the funds. No one will take my calls and I do n’t know what else to do. I got as far as the executive level with each institution and still no resolution.

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: August 4, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: None

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

Issue: Managing an account
Sub-Issue: Cashing a check

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: August 8, 2017

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: FL

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

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

Full Complaint:
USAA Savings Bank is reporting incorrect information on my credit reports. I sent a certified letter with return receipt which they received on XX/XX/XXXX. This letter was asking them to verify the accuracy of this account, and to provide me with anything bearing my signature. By law they have 30 days to provide me with this information and if they can not provide evidence bearing my signature they must contact all credit reporting agencies and delete the item. They did not verify account. I pulled my credit report and noticed the item still being reported. In addition to not providing evidence bearing my signature, they did not contact the credit bureaus to annotate that this account is being disputed within 30 days. They have already broken the law according to FCRA & FDCPA. I gave them a second chance and sent them a letter which they received on XX/XX/XXXX. In this letter I reminded them how they have already broken the law, but if they simply have the credit bureaus remove this item, I will not pursue legal action. They still did not verify the accuracy of their reporting, they did not produce proof displaying my signature, and they broke the law by not notifying all 3 credit bureaus to mark this account disputed within the required 30 day period. Im going to give them another 15 days and if they do not contact ALL credit bureaus and have this account deleted. I will pursue legal action. I would be seeking a minimum of {00.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )? Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) If they remove this item, I will not pursue legal action and i will remove this complaint.

Complaint Tags: Servicemember

Company response:

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.

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