Compiled from Public Data by FairShake
The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.
In 2018, the CFPB received 1126 complaints against USAA. USAA ranked Number 32 among all financial companies for the most complaints.
Date of Complaint: December 16, 2018
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Debt collection
Sub-Product: Auto debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 17, 2018
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
Complaint Tags: Older American, Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 16, 2018
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA
Product: Payday loan, title loan, or personal loan
Sub-Product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan
Full Complaint:
The following attached information is in relation to my complaint # XXXX regarding negligent handling of my attempt to payoff a personal loan. I just received the attached information today in the mail. The letter from the USAA Federal Savings Bank claims that ” Your payment was incomplete due to invalid or missing account number. ” As you can clearly see from the check that they returned to me, the loan number is clearly written underneath my signature. I have also enclosed the ” Consumer Loan Statement ” I received from them five days before it was due. The loan numbers on my personal check and their loan statement are a perfect match. There is no basis whatsoever for rejecting my payment. This is willful and deliberate negligence which resulted in inexcusable extra expenses on my part to correct the problem.
Response Type: Closed with explanation
Public Response:
Company believes complaint is the result of an isolated error
Date of Complaint: December 17, 2018
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: 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: December 16, 2018
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: Struggling to pay your bill
Sub-Issue: Credit card company won’t work with you while you’re going through financial hardship
Complaint Tags: Older American, Servicemember
Response Type: Closed with monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 16, 2018
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Banking errors
Full Complaint:
Overnight a credit was reversed on my account. The purchase was reported as fraud and they also submitted a dispute. The purchase was made on XX/XX/XXXX but some of them claim it was made on XX/XX/XXXX, regardless they issued me a credit to my account and a month later,,,,, reversed it back and left my checking account negative XXXX when they took XXXX. I emailed XXXX and submitted proof from the post office and from XXXX via email that they both : 1. Understand that I never received a package and verified this via email.
2.They knew where it was and it was on the XXXX XXXX XXXX XXXX XXXX CA and never went back out.
3. The post office signed me up for informed delivery so I could have proof in court and they would not be liable.
I will attach proof of the verification and I want the bank to stop pulling credits they issued to me because they had to be approved in order to be issued to me and someone is trying to steal money from me knowing I submitted proof
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 17, 2018
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 when making payments
Sub-Issue: Problem during payment process
Full Complaint:
I have an issue with the way USAA applied my {0.00} in payments on my account. I have a promotional balance on my account which dates back to XX/XX/XXXX. Since then USAA has been applying my payments arbitrarily mostly to the promotional balance and not paying off my purchases balance. I really hadn’t paid any attention to it until this recent statement. I used their card while traveling abroad. The minimum payment had been met on the card in XXXX. However, once I got home, I paid 2 payments one for {0.00} and the second payment in the amount of {0.00}. The total purchases made during the XXXX statement were {0.00}. To my surprise on my XXXX statement, I was charged interest on {0.00} in purchases. Of the {0.00} USAA applied {0.00} to my 0 % promotional balance and {0.00} to my purchases with a 17 % interest rate. As I looked back through my statements this has been an ongoing trend. I would pay over {0.00} a month and instead of paying off the small balance of {.00} for XXXX. They would apply the bulk of it to the promotional balance and leave a small purchase fee to charge me interest on.
On the XXXX statement that 0 % promotional balance was {00.00} ; The XXXX statement my promotional balance is {00.00}. After calling a couple of times and receiving the run around I decided to file an compliant. According to the Credit Card Accountability and Disclosure act passed in XXXX ; after the minimum payment is met the creditor must apply payments to the balances with the highest APR ‘s. I was told there was nothing a rep /manager could do to adjust or fix this error.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes complaint is the result of an isolated error
Date of Complaint: December 17, 2018
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: Struggling to pay your bill
Sub-Issue: Credit card company won’t work with you while you’re going through financial hardship
Full Complaint:
I’ve recently went through a significant reduction in income due to a re-organization at my employer that resulted in me having to accept a position with lower pay. This has put me in a tough position financially and I am unable to make ends meet.
On XX/XX/2018 I called USAA to ask for help with regards to a financial hardship program. They stated I did not qualify because I was not past due, and to call back when the account was past due. on XX/XX/2018 I called back as the account was now past due but they advised me that I still did not qualify and were unable to tell me why. I am extremely frustrated as I am trying to not let my finances spiral out of control but without a little bit of cooperation from my creditors I will not be able to continue to hold it together and make my basic living expenses. I have cut down drastically on my unnecessary financial expenses and I am still barely getting by.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 17, 2018
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: None
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: December 16, 2018
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Banking errors
Response Type: Closed with monetary relief
Public Response:
Company believes complaint represents an opportunity for improvement to better serve consumers
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.