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: February 23, 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
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: February 26, 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: Deposits and withdrawals
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: February 27, 2018
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Debt collection
Sub-Product: I do not know
Issue: Communication tactics
Sub-Issue: You told them to stop contacting you, but they keep trying
Full Complaint:
USAA repeatedly attempt to contact be regarding the debt of another USAA member. I repeat : I was not the individual responsible for the debt. In fact, it was only by relation that USAA continued to harass me for the contact information of the debtor. I repeatedly requested that the harassing phone calls stop. Over a period of about 12 months, USAA continued to make harassing phone calls. They started up again recently and continue to this day. They need to stop and I need to be appropriately compensated for the huge amount of time I have wasted and the expenses I have incurred in my attempts to stop these harassing phone calls. I am a good paying customer of USAA : this is no way they should be treating anyone, let alone a loyal customer. Stop the harassing phone calls.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: February 27, 2018
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-Product: Credit card debt
Issue: Communication tactics
Sub-Issue: Frequent or repeated calls
Full Complaint:
I spoke with USAA last week and told them as soon as my loan mortgage loan closed. I would pay this XXXX CC off in full. This card is mine ands opened several years before I got married. Even though I told them about the pay off they called my husband who has nothing to do with this card .His name is not on the account nor is he a authorized user. My privacy has been violated by USAA.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: February 27, 2018
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
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: February 23, 2018
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Credit card company won’t increase or decrease your credit limit
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: February 27, 2018
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
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
Full Complaint:
Check # XXXX for {0.00} payable to XXXX XXXX XXXX 1. XX/XX/XXXX Check presented to my checking USAA XXXX. Account NSF, check returned and fee assessed for {.00}.
2. XX/XX/XXXX Check presented to USAA and again NSF, returned and assessed 4 x {.00}. Fee for XXXX returned check and 3 for items returned due to the overdrafts on other returned items due to the overdraft.
3. XX/XX/XXXX Check presented third time. I have Direct Deposit and because there were funds now available the check was paid. The check should have been returned, XXXX processing information on front and back of check 3 times.
I am disputing the payment by USAA and presentment by the merchant bank, XXXX, for allowing a check processed and returned two previous times. The outdated practice of allowing auto representment a second time has been considered in this case. However, the check would have been returned to XXXX XXXX after the second representment. At that time, this check would not allowed to be presented as an original deposit and especially an NSF returned two times.
These two banks are in violation of the banking rules.
I requested USAA return this check AGAIN and they have declined.
I want the {0.00} refunded back to my account, as well as any other fees assessed due to this violation.
Complaint Tags: Older American
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: February 26, 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: Deposits and withdrawals
Full Complaint:
The incident occurred on XX/XX/2018.
I was contacted by what was believed to be an employer, but resulted in fraudulent activity ; the bank was aware of my concerns during this interaction with the supposed employer. The bank is refusing to repair damages done to my account despite the recorded calls, text messages, emails, and documents.
Before depositing a check received from this employer I verified with the bank listed on the check that the funds were available and the check was not forged, they assured me the check was real and the funds were available. I also expressed concerns with this bank about their member possibly committing fraud.
I deposited this check into my bank account and called my bank to express concerns that the check may be bad despite what I was told by the employer ‘s bank, and waited until the check cleared to make any further transactions- in or out of the account.
Before continuing the financial requests of the employer I once again called the bank to confirm the check was posted and good, and to clarify that I would not experience a negative balance due to the check ; the bank ensured the check was posted and it was safe to make transactions. I went forth with the requests of the employer under the impression from my bank that no backlash would happen.
The first wire transfer was returned due to an error on my part and then proceeded to make another wire transfer that was approved. I called my bank before and after both wire transfers to ensure the check was still in the clear, the wire transfers were posted, and there were no concerns that would be detrimental to my credit or financial situation. I was once again reassured that everything was safe.
Two days after the wire transfers were completed I checked my bank account only to see that my account was severely negative. Upon calling my bank to inquire about the status I was informed the check was returned despite what I was previously told.
I filed a claim through my bank for fraudulent activity and contacted the employer who apologized and promised to wire the funds back into my account.
The fraud department denied the claim expressing that it was not fraud due to my authorizing the activity. I received a receipt for the wire transfer from the employer and verified with his bank that it was completed, however, the wire transfer was never received and my bank account has been locked due to the negative funds.
Because the amount is high, the bank has locked all of my bank cards, prevented access to the site to view statements and other products being used such as car insurance and rental/property insurance.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: February 27, 2018
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: February 26, 2018
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC
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: Credit card company isn’t resolving a dispute about a purchase on your statement
Complaint Tags: Servicemember
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.