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: August 23, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Managing an account
Sub-Issue: Cashing a check
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: August 22, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Closing on a mortgage
Full Complaint:
I reached out to them in regards to getting a home loan and was told to get an appraisal 2 inspections pay the ernest and dudiligence fee which I did and they day of closing I get told by Also they are stopping the check not and I now have to find a whole new place to live since my current residence lease was up and I was told to turn in my 30 day notice because I was set to close yet the day of closing told me they could n’t approve it after I have the documents telling it was approved so I spoke with XXXX she said to submit the receipts and stuff for what I spent so I could get refunded which I did n received no response so I did a BBB complaint a XXXX calls me said he has no record of the loan or anything I was stating I told him all my transactions are with usaa it ‘s all there he hung up on me and responded to the complaint as completed and satisfied I responded back to the complaint and XXXX reached out XX/XX/XXXX I asked her to call me back in an hour because I was at work I get an email like I stating she tried to reach out to me which was a lie she only called the one time and I answered she said she would call back and did n’t so I responded to the email stating no one called me she then called and would n’t let me talk kept over talking me telling me she did n’t have any record or anything and I needed to send it to her which I said I would and but would want to be compensated for this as she should have it and I should n’t have to keep doing the same thing over and over it was a stall tatic and we hung up she sent an email stating if I had any other questions to call her and stated things she never said so I wrote my response she called back and called me all sorts of liars telling me I was n’t told what I was because no one there would tell me I would get anything back and that she called the company the errnast the to money was sent to and I needed to get it from them but she ca n’t help me and I ca n’t speak to anyone else she was reading notes that people left and I asked for the names she said I already had and refused to give it to me and asked to speak with someone else she wouldnt allow me to told em there was no one above here and even if I wrote a letter it was coming to her I got mad because she wouldnt stop over talking me and I said some rude things she hung up I called back she sent me to voicemail I left a message that she was incompetent at her job and I would tell a lawyer because she doesnt run USAA and I researched attorneys and came across you I hope you can help me this has been going on since XX/XX/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: August 22, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes complaint is the result of an isolated error
Date of Complaint: August 24, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
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:
My husband and I both had significant job loss during the recession. We kept paying all of our bills. I had to start a business to make ends meet and when I had billing issues was unable to make the full payment on one of our cards ( I paid XXXX rather than XXXX ) and did keep up with the other which was a slightly lesser amount XXXX as opposed to XXXX. I spoke with them to work with us as it was temporary and we were doing everything to stay current, pay our debt and protect our credit. One day XXXX XXXX 2016 I called to make a payment and was told the XXXX had been XXXX XXXX out and was forgiven by USAA Bank who I have been with for 30 years. I called the CEO ‘s office and told them I did n’t want them to do that as I was concerned about possible credit issues and I was PAYING them. I also did n’t know if there would be a tax liability we could not afford. This year, no XXXX came and them after preventing us from paying them as the account no longer was accessible they put us into collections all the while keeping the other open and continuing to make payments. They closed both of the cards/accounts and denied access to our online ability to pay or communicate. I contacted the CEO again to say this is fraud and we have been deceived and their individual there XXXX XXXX refused to call me back. It has now been several weeks. I never get my documents via mail as requested only bills. I have stayed current with all other accounts but they have strong armed be to now auto deduct my home and auto insurance payment. Additionally they have been crashing my credit as if I have NOT paid them for over a year and I had no idea. I told them I am not getting correspondence and they sent me a letter saying that I can access the online account. They are the ones that locked it. THIS IS INSANE.
Thanks for your attention to this matter. I am dismayed that I can not trust these people. They also hold my second mortgage, and told me the property valued which it has not for the past 14 years. I have paid them irregardless but they have no accountability for providing a bogus appraisal that would have prevented and interest only situation that is now starting to increase. We are trying to sell to get them paid and now they have after all these years are the very people stopping us from buying or renting a way forward!!!
Sincerely, XXXX 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: August 24, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Cashing a check
Response Type: Closed with explanation
Public Response:
Company believes complaint is the result of an isolated error
Date of Complaint: August 22, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
Full Complaint:
This is not a duplicate complaint. In a prior complaint, USAA inaccurately reported prior information that a paid charge off had a balance due to XXXX and XXXX. USAA responded to that complaint by re-correcting those tradelines, although they should have been deleted. Now, USAA is inaccurately reporting that same inaccurate prior information that a paid chargeoff has a balance to XXXX. This occurred on XX/XX/XXXX. I have attached the accurate reporting as of XX/XX/XXXX, and the new inaccurate reporting as of XX/XX/XXXX.
XXXX ‘s system does not allow me to dispute this issue since I disputed it the first time this occurred and XXXX thinks this is a duplicative dispute, which it is not. USAA previously corrected but has now reverted the data to be inaccurate again. As 30 days have passed and the information is inaccurate, it must be deleted according to the FCRA. This is a repetitious and ongoing problem for USAA, and thus far the bank has not taken corrective action that prevents inaccurate reporting of prior information on its tradelines to the 3 credit bureaus. I recommend the CFPB investigate whether this is an ongoing problem at USAA that affects numerous consumers besides myself.
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: August 24, 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
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: August 22, 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: Non-sufficient funds and associated fees
Full Complaint:
I have had nothing but problems with usaa. I guess it was because I am friends and family and not linage to the military that usaa wants to treat me like dirt. I have had nothing but issues since someone stole my check book and made so fraudulent purchases. I have been in contact with usaa since and it has been such a terrible process. Then XXXX wanted to cause some problems by wanting to process a payment out of an old checking account listed with them generating two {.00} NSF fee ‘s. I never got communication that those fee ‘s were on there until I signed on line and seen that every dime I had in my other two accounts had been taken by usaa and suspended pending charges they assessed to be paid. When I spoke to a representative she stated sorry you have to pay the fee ‘s regardless or your membership will be terminated with usaa. Both my gradfathers served in XXXX and XXXX from the military and this is how I am treated. XXXX XXXX treats veterans families better. I got in to usaa when they opened everything up to friends and family and I feel like it has been discrimination from the beginning and that they treat everyone that does not qualify for full membership differently because of the stupid lineage clause. MY mom hates your company and did n’t want anything to do with USAA for a reason and now I see why. So could n’t qualify for full membership because she did n’t want anything to do with yall. I am not sure how that is fair. But regardless I will file suit over discrimination because I am a XXXX mother and this incident was not my fault and yall have reported it to collections unfairly and It has caused my score decrease and everything.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: August 23, 2017
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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
Full Complaint:
Back in XX/XX/XXXX USAA switched me from a XXXX to XXXX card. However, their payment system still showed the defunct XXXX with a XXXX balance. I accidentally paid the XXXX {00.00} and their system accepted it – even though there was NO balance on it. I paid off the proper accounts and USAA refunded the {00.00}. But, a negative {00.00} appeared on the defunct XXXX when it should show XXXX – and why is the card they shut down still being shown on their payment system is beyond me. Service rep made up some story about ” banks hitting the card ”. The {00.00} was removed from the XXXX and is now on the XXXX card with fees and interest. No description as to what it is or where it came from.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: August 24, 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: Card was charged for something you did not purchase with the card
Full Complaint:
On XX/XX/XXXX and XX/XX/XXXXmy card identity was stolen and used for two charges of over {00.00} through XXXX. I informed the credit card that I did not authorize these charges.
They took care of one charge but the other one they are claiming I authorized through XXXX.
I sent them my XXXX account which is a business record and 100 % shows that I did not make these purchases. And have never made big purchases with my credit card or XXXX.
Depsite this, they informed me through e-mail that they had proof from the XXXX XXXX that I authorized the card and were going to make me pay for the charge stemming from this ” proof ”. Noteworthy, they did not send me anything through the mail just a link on their website. When I attempted to look on the website for this so called ” proof ” all I got was ” error ”.
The Credit Card Company is USAA XXXX.
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.