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: July 18, 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: Funds not handled or disbursed as instructed
Full Complaint:
I attempted to transfer {00.00} from my external non USAA account ( XXXX ) and {0.00} was placed on hold without warning or cause. Now USAA states they can not reverse or stop this.
I understand this hold may be based on a few variables ; this limit is determined by the system and is based on the 3-month average balance of all accounts in the relationship. However, I can not fathom why only a small fraction ( {0.00} held out of {000.00} ) I am confused to why only {0.00} was held, why is that? Accurately and thoroughly explain the funds availability schedule, why funds were not available ( Delayed ), and when the funds will be available.
This is my XXXX account, which I pay my USAA Auto Insurance through as an ACH auto debit every month. I also have transferred from this external account ( XXXX ) before many times, not this amount but nevertheless I have made EFTs from here before. Working for a bank we do have exceptions processing unit, or the electronic transfers unit that can assist with placing a stop on the transfer or merely not accepting it.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: July 17, 2018
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Problems at the end of the loan or lease
Sub-Issue: Problem with paying off the loan
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: July 17, 2018
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Opening an account
Sub-Issue: Unable to open an account
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: July 18, 2018
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-Issue: Other problem getting your report or credit score
Full Complaint:
I called XXXX after bank sent me letter advising me to contact XXXX. I gave them all the info requested and was told i can not receive my report until i mail 2 forms of ID. I am out of the country and not sure if i mail anything to them it will even get to them.
I offered to email them everything they requested but they insist i mail them. I offered to upload requested info on their website. i feel like my bank USAA and XXXX have tricked me and now i have a negative app and i can not even find out why. Unless you jump thu hoops i would say XXXX has found a way to go around the laws that are suppose to help us take control of our personal information. i am just trying to find out what XXXX is telling everyone but me.
Regards XXXX
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: July 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 with a purchase shown on your statement
Sub-Issue: Credit card company isn’t resolving a dispute about a purchase on your statement
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: July 18, 2018
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Managing the loan or lease
Sub-Issue: Billing problem
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: July 18, 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: Fees or interest
Sub-Issue: Charged too much interest
Full Complaint:
USAA has been applying my credit card payments incorrectly and charging interest for every purchase made with the card, in violation of the Credit CARD Act of XXXX. In XX/XX/XXXX, I transferred several credit card balances to my USAA credit card account with a promotional 0 % APR until XX/XX/XXXX. After the balance transfer was complete, my payments to the credit card account have been above the minimum due and paid for all purchases made. When I reviewed my statements since the beginning of the year, it is clear to me that my payments are not being applied in accordance with the Credit Card Accountability Responsibility and Disclosure Act of XXXX section 104, which states : ” Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. ” When I discussed my concern with USAA, the representative explained that only a portion of my payment went towards purchases and that the only way to not be charged interest for purchases would be to stop using the credit card. None of this was explained in the balance transfer agreement. The USAA representative also explained that there was no way to tell by looking at the statement how much my payment would have to be to not be charged interest for purchases. As an example to how my payments are being applied incorrectly : My statement dated XX/XX/XXXX shows that I was charged interest for {0.00} for regular purchases. Also on this statement, I made {0.00} in new purchases and payments totaled {00.00}. The next statement dated XX/XX/XXXX shows that I was charged interest for {0.00} of regular purchases. My payments the previous month were {00.00} above the minimum payment due so there should be {
Date of Complaint: July 18, 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: Funds not handled or disbursed as instructed
Full Complaint:
I attempted to transfer {00.00} from my external non USAA account ( XXXX ) and {0.00} was placed on hold without warning or cause. Now USAA states they can not reverse or stop this.
I understand this hold may be based on a few variables ; this limit is determined by the system and is based on the 3-month average balance of all accounts in the relationship. However, I can not fathom why only a small fraction ( {0.00} held out of {000.00} ) I am confused to why only {0.00} was held, why is that? Accurately and thoroughly explain the funds availability schedule, why funds were not available ( Delayed ), and when the funds will be available.
This is my XXXX account, which I pay my USAA Auto Insurance through as an ACH auto debit every month. I also have transferred from this external account ( XXXX ) before many times, not this amount but nevertheless I have made EFTs from here before. Working for a bank we do have exceptions processing unit, or the electronic transfers unit that can assist with placing a stop on the transfer or merely not accepting it.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: July 17, 2018
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Problems at the end of the loan or lease
Sub-Issue: Problem with paying off the loan
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: July 17, 2018
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Opening an account
Sub-Issue: Unable to open an account
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: July 18, 2018
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-Issue: Other problem getting your report or credit score
Full Complaint:
I called XXXX after bank sent me letter advising me to contact XXXX. I gave them all the info requested and was told i can not receive my report until i mail 2 forms of ID. I am out of the country and not sure if i mail anything to them it will even get to them.
I offered to email them everything they requested but they insist i mail them. I offered to upload requested info on their website. i feel like my bank USAA and XXXX have tricked me and now i have a negative app and i can not even find out why. Unless you jump thu hoops i would say XXXX has found a way to go around the laws that are suppose to help us take control of our personal information. i am just trying to find out what XXXX is telling everyone but me.
Regards XXXX
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: July 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 with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: July 18, 2018
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Managing the loan or lease
Sub-Issue: Billing problem
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: July 18, 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: Fees or interest
Sub-Issue: Charged too much interest
Full Complaint:
USAA has been applying my credit card payments incorrectly and charging interest for every purchase made with the card, in violation of the Credit CARD Act of XXXX. In XX/XX/XXXX, I transferred several credit card balances to my USAA credit card account with a promotional 0 % APR until XX/XX/XXXX. After the balance transfer was complete, my payments to the credit card account have been above the minimum due and paid for all purchases made. When I reviewed my statements since the beginning of the year, it is clear to me that my payments are not being applied in accordance with the Credit Card Accountability Responsibility and Disclosure Act of XXXX section 104, which states : " Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. '' When I discussed my concern with USAA, the representative explained that only a portion of my payment went towards purchases and that the only way to not be charged interest for purchases would be to stop using the credit card. None of this was explained in the balance transfer agreement. The USAA representative also explained that there was no way to tell by looking at the statement how much my payment would have to be to not be charged interest for purchases. As an example to how my payments are being applied incorrectly : My statement dated XX/XX/XXXX shows that I was charged interest for {0.00} for regular purchases. Also on this statement, I made {0.00} in new purchases and payments totaled {00.00}. The next statement dated XX/XX/XXXX shows that I was charged interest for {0.00} of regular purchases. My payments the previous month were {00.00} above the minimum payment due so there should be {{{mpg_replace}}.00} interest charged if my payments were allocated correctly.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: July 18, 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: Transaction was not authorized
Full Complaint:
I processed two payments through outside merchants. One in the amount of {0.00} with XXXX XXXX and one in the amount of {.00} with XXXX XXXX. These payments were processed via my checking account online through their websites. The payments processed twice in error. I was not aware that the payments processed twice until they posted to my checking account on XX/XX/2018. I contacted my bank USAA and advised of the error and they opened a dispute. The first representative I spoke with told me in 2-3 business days they would submit the dispute through the merchants and I should show a credit for these on my account. No credit posted. I contacted them back and spoke with a team member in disputes who then told me that there is no guarantee that my account would be credited and if the merchant does not agree then they will not credit me my funds. I spoke with the merchants who are advising they can not reverse the payments and that I need to dispute through my bank. My bank tells me they also can not stop payment or reverse the payments because they have already posted on the account. I explained to them that if we are unaware that a double payment processed then we can not dispute prior to the check posting. We don't see pending checks. They don't show until posted. USAA refused to assist with reversing the incorrectly posted payments and advised that I would just have to wait and see if my funds are reversed by the merchants. I already know they will not be because the merchants advised me of such and now I am out {0.00} that was supposed to go to my Childs daycare this week. Now I have incurred late charges. My husband and I have been with USAA for over 5+ years with our checking/savings and credit card account. I am very dissatisfied and disgusted at what is happening right now.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: July 18, 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: Problem using a debit or ATM card
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: July 17, 2018
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Opening an account
Sub-Issue: Unable to open an account
Response Type: Closed with non-monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: July 18, 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: Transaction was not authorized
Full Complaint:
I processed two payments through outside merchants. One in the amount of {0.00} with XXXX XXXX and one in the amount of {.00} with XXXX XXXX. These payments were processed via my checking account online through their websites. The payments processed twice in error. I was not aware that the payments processed twice until they posted to my checking account on XX/XX/2018. I contacted my bank USAA and advised of the error and they opened a dispute. The first representative I spoke with told me in 2-3 business days they would submit the dispute through the merchants and I should show a credit for these on my account. No credit posted. I contacted them back and spoke with a team member in disputes who then told me that there is no guarantee that my account would be credited and if the merchant does not agree then they will not credit me my funds. I spoke with the merchants who are advising they can not reverse the payments and that I need to dispute through my bank. My bank tells me they also can not stop payment or reverse the payments because they have already posted on the account. I explained to them that if we are unaware that a double payment processed then we can not dispute prior to the check posting. We don’t see pending checks. They don’t show until posted. USAA refused to assist with reversing the incorrectly posted payments and advised that I would just have to wait and see if my funds are reversed by the merchants. I already know they will not be because the merchants advised me of such and now I am out {0.00} that was supposed to go to my Childs daycare this week. Now I have incurred late charges. My husband and I have been with USAA for over 5+ years with our checking/savings and credit card account. I am very dissatisfied and disgusted at what is happening right now.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: July 18, 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: Problem using a debit or ATM card
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: July 17, 2018
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Opening an account
Sub-Issue: Unable to open an account
Response Type: Closed with non-monetary relief
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.