December 2018 Complaints Against USAA

Compiled from Public Data by FairShake

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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.


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Complaint Details:

Date of Complaint: December 24, 2018

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: VA

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

Issue: Problem caused by your funds being low
Sub-Issue: Overdrafts and overdraft fees

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: December 27, 2018

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: TX

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

Issue: Problem with a lender or other company charging your account
Sub-Issue: Can’t stop withdrawals from your account

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: December 27, 2018

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: MA

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

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: December 26, 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

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: December 27, 2018

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: MA

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

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: December 26, 2018

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: AL

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

Issue: Managing an account
Sub-Issue: Banking errors

Full Complaint:
On XXXX XXXX there were fraudulent charges made towards my debit card which my account is held by USAA. On XXXX XX/XX/2018 I attempted to log into my account to find that my account had been restricted due to possible fraud action. After speaking with a representative, they reversed the XXXX charges that were made on my card in California and Alabama ( I currently work in XXXX ) were reimbursed. I followed all instructions regarding canceling my debit, changing all personal information to include my passwords within the website. On XXXX XXXX my USAA credit card was then compromised, USAA assisted in facilitating the fraudster with accessing all my personal information regarding my account. This person was then allowed to access my account and change all my passwords, emails, phone numbers and so on. The person that got into my account was also then released the information to my external accounts allowing them the access to the basic information to my external account. They proceeded to transfer and over drawl my external account of {00.00}, since it was a safe account there were no red flags for this movement of money that wasnt event available. The person conducting this fraud mischief they paid my credit card then started making large purchases, now these purchases were being made when I was on the phone with representatives that told me that they seen the charges happening and were going to stop them, yet they were still processed. I had to take emergency leave to come home and try to rectify this situation and here I am on XXXX XX/XX/2018 with an account that is in the negative and due to the negligence and lack of work ethic I am unable to pay my bills or even purchase groceries for my family. I request that someone please follows up with my wife or I to provide further detail as we need assistance in getting this rectified.

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: December 23, 2018

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: NY

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

Full Complaint:
Seven checks were forged on my account. Two were cashed and then the funds returned for insufficient funds. Three more were returned for insufficient funds and I was charged for bounced checks. Two more were cashed and I have not been able to recover the funds. The total amount stolen from me was {000.00}. Of that {000.00} was returned because of the insufficient funds.

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: December 24, 2018

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

Full Complaint:
In XXXX, I received a $ XXXX personal loan from USAA that offered a low interest loan to new XXXX XXXX. I paid on time every month however got behind around XX/XX/XXXX however still made small payments ( less than monthly minimum of about {0.00} ). Without warning or negotiation, my loan was closed or charged off with an approximate balance of $ XXXX in XX/XX/XXXX. I communicated with the collection company USAA has sold my loan to and have made a couple payments.

My issue is, I had an XXXX card with a $ XXXX limit, {0.00} balance as of XX/XX/XXXX, also with USAA ; including countless other accounts such as multiple checking, savings, auto insurance, and stocks. I have also paid the XXXX card on time, and was about to pay off in full as I was attempting to clean up my credit.

XX/XX/XXXX, I discovered USAA had used the Service members Civil Relief Act ( SCRA ) to ” credit ” the remaining ~ {0.00} balance and close the XXXX credit card! Mind you, I have been in the military the entire duration of the utilization of the card and that was never offered to me or explained. When speaking to multiple reps on the phone of USAA, I was told, my XXXX credit card was closed because it was a ” business decision ” based on my loan that had recently closed – even though I was never late on that credit card. The USAA representative told me there were forms sent to my account inbox stating the closure of each account. I never received any of those documents.

I am a fan of USAA and have been a member for close to 10 years. I am attempting to rebuild my credit and can not afford another negative account. I Please help!

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: December 26, 2018

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: VA

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

Issue: Managing an account
Sub-Issue: Funds not handled or disbursed as instructed

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: December 23, 2018

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: CA

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

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

Full Complaint:
USAA. No matter what I report to my own bank they laugh at me over charges fraudulent charges I have to fight for them to file with the FTC. I found over {0.00} in overage charges from XXXX the teller last night actually told me I dont know what youre talking about Im sure XXXX did this I had to fight her and say no its all over the news they been hacked. And late XXXX of this year my husband actually took off for two days we were very worried I was on the phone with XXXX and USAA pointing out that there was a with drawl straight out of our savings the lady told me that it went somewhere in Texas he had left not 24 hours before without a car. They sat there and laughed at me while I reported my husband missing something weird is going on with this bank they treat me like XXXX and they take my money and laugh at me

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

Public Response:
Company believes complaint caused principally by actions of third party outside the control or direction of the company


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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