Compiled from Public Data by FairShake
The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.
In 2019, the CFPB received 1354 complaints against USAA. USAA ranked Number 23 among all financial companies for the most complaints.
Date of Complaint: November 26, 2019
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: Incorrect information on your report
Sub-Issue: Information belongs to someone else
Full Complaint:
In the latest complaint with the CFPB USAA Falsely accuses numerous times in their response of my opening accounts with their financial bank. It is also mentioned they requested I submit Millitary documentation to them and a Military ID, Because again Military membership and or a family member in the military is required in order to obtain membership. I advised USAA Federal Savings bank that I am a victim of identity theft, USAA did not call to verify any information, USAA did not clear fraud alerts when opening the fraudulent Personal Loans, and openly admitted they say they have ” personal identifiable information ” yet also state they verified this personal information, yet I have never received any account documents, and I have never received any emails from this company, They also falsely accuse saying I called in to file fraud claims, I have never called their company, and I have never received a call from them. They violated my Extended Fraud Alert and didn’t clear it when opening the accounts please see the note from the company ” Date of response : XX/XX/XXXX. We are responding to the concerns about the USAA Federal Savings Bank ( FSB ) you outlined in your correspondence to the Consumer Financial Protection Bureau regarding your claim of identity theft. Our records indicate that on XX/XX/XXXX, you established USAA membership using your personally identifiable information. On XX/XX/XXXX, you accessed usaa.com multiple times and authenticated using your social security number ( SSN ), online ID, password, security questions, and cybercode text. During this time, you enabled quick logon and submitted four different deposit applications, which were all declined due to excessive returns and current unfavorable experiences with a financial institution. On XX/XX/XXXX, a note was placed on your profile to indicate that we had to verify your military service documents and a copy of your government issued ID by XX/XX/XXXX. On XX/XX/XXXX, your profile was updated, and it was indicated that we had not received these documents by the required date. ” Yet they allowed a Checking and Savings, and Two personal Loans to be established according to the response stated from USAA. XXXX found the email address that was used to open the accounts on the dark web via my identity alerts, USAA has not completed an investigation, they attempted to complete a transactional fraud investigation when in fact these accounts were ALL FRAUDULENT APPLICATIONS. I have never once attempted to become a member of their institution because I AM NOT A MEMBER OF THE MILITARY neither is my family. Again thus why you didn’t receive documentation that doesn’t verify to me. You did not investigate the identity theft. I am a victim of identity theft. These accounts are fraudulent, were established with a fraudulent address that has been blocked by XXXX, were established with an email found on the dark web. Which was sold by identity thieves, and I never once called into your company, and you lied and said you called me and I never received any calls. and it was indicated that we had not received these documents by the required date. ” Response from Company – On XX/XX/XXXX, you accessed usaa.com and established a checking account ending in XXXX Fraud – False accusations and a savings account ending in XXXX. On XX/XX/XXXX, you applied for a personal loan in the amount of {00.00} via usaa.com.<- KEYWORD ESTABLISHED ON USAA.com THE INTERNET. With fraudulent information that wasn't verified. The loan ending in XXXX was approved the following day. On XX/XX/XXXX, you spoke with a representative and indicated that you wanted to refinance your personal loan ending in XXXX ; <- Never spoke to any reps with their company. however, you advised you would call back due to a freeze you placed with the credit reporting agencies. On XX/XX/XXXX, you accessed usaa.com and applied for another loan ending in {000.00}. You were approved for the {000.00} loan ending in XXXX. On XX/XX/XXXX, you submitted a fraud claim, and all account access was restricted. Between XX/XX/XXXX and XX/XX/XXXX, you submitted a total of 11 credit disputes. '' - Didn't ever submit a transactional fraud claim again false accusations as I have stated these applications are fraud and you never called to clear the extended fraud alert the accounts were opened as a result of identity theft. I never lived at the XXXX XXXX address you continually provide XXXX on top of that you report the debt as being last reported XX/XX/XXXX, and it shows 4 payments of {
Date of Complaint: November 26, 2019
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: Incorrect information on your report
Sub-Issue: Information belongs to someone else
Full Complaint:
In the latest complaint with the CFPB USAA Falsely accuses numerous times in their response of my opening accounts with their financial bank. It is also mentioned they requested I submit Millitary documentation to them and a Military ID, Because again Military membership and or a family member in the military is required in order to obtain membership. I advised USAA Federal Savings bank that I am a victim of identity theft, USAA did not call to verify any information, USAA did not clear fraud alerts when opening the fraudulent Personal Loans, and openly admitted they say they have " personal identifiable information '' yet also state they verified this personal information, yet I have never received any account documents, and I have never received any emails from this company, They also falsely accuse saying I called in to file fraud claims, I have never called their company, and I have never received a call from them. They violated my Extended Fraud Alert and didn't clear it when opening the accounts please see the note from the company " Date of response : XX/XX/XXXX. We are responding to the concerns about the USAA Federal Savings Bank ( FSB ) you outlined in your correspondence to the Consumer Financial Protection Bureau regarding your claim of identity theft. Our records indicate that on XX/XX/XXXX, you established USAA membership using your personally identifiable information. On XX/XX/XXXX, you accessed usaa.com multiple times and authenticated using your social security number ( SSN ), online ID, password, security questions, and cybercode text. During this time, you enabled quick logon and submitted four different deposit applications, which were all declined due to excessive returns and current unfavorable experiences with a financial institution. On XX/XX/XXXX, a note was placed on your profile to indicate that we had to verify your military service documents and a copy of your government issued ID by XX/XX/XXXX. On XX/XX/XXXX, your profile was updated, and it was indicated that we had not received these documents by the required date. " Yet they allowed a Checking and Savings, and Two personal Loans to be established according to the response stated from USAA. XXXX found the email address that was used to open the accounts on the dark web via my identity alerts, USAA has not completed an investigation, they attempted to complete a transactional fraud investigation when in fact these accounts were ALL FRAUDULENT APPLICATIONS. I have never once attempted to become a member of their institution because I AM NOT A MEMBER OF THE MILITARY neither is my family. Again thus why you didn't receive documentation that doesn't verify to me. You did not investigate the identity theft. I am a victim of identity theft. These accounts are fraudulent, were established with a fraudulent address that has been blocked by XXXX, were established with an email found on the dark web. Which was sold by identity thieves, and I never once called into your company, and you lied and said you called me and I never received any calls. and it was indicated that we had not received these documents by the required date. " Response from Company - On XX/XX/XXXX, you accessed usaa.com and established a checking account ending in XXXX Fraud - False accusations and a savings account ending in XXXX. On XX/XX/XXXX, you applied for a personal loan in the amount of {00.00} via usaa.com.<- KEYWORD ESTABLISHED ON USAA.com THE INTERNET. With fraudulent information that wasn't verified. The loan ending in XXXX was approved the following day. On XX/XX/XXXX, you spoke with a representative and indicated that you wanted to refinance your personal loan ending in XXXX ; <- Never spoke to any reps with their company. however, you advised you would call back due to a freeze you placed with the credit reporting agencies. On XX/XX/XXXX, you accessed usaa.com and applied for another loan ending in {000.00}. You were approved for the {000.00} loan ending in XXXX. On XX/XX/XXXX, you submitted a fraud claim, and all account access was restricted. Between XX/XX/XXXX and XX/XX/XXXX, you submitted a total of 11 credit disputes. '' - Didn't ever submit a transactional fraud claim again false accusations as I have stated these applications are fraud and you never called to clear the extended fraud alert the accounts were opened as a result of identity theft. I never lived at the XXXX XXXX address you continually provide XXXX on top of that you report the debt as being last reported XX/XX/XXXX, and it shows 4 payments of {{{mpg_replace}}.00} Because clearly I didn't pay the fraudulent account. I will continue to dispute this as Identity theft. I have provided you with a legal FTC Identity Theft Affidavit, These accounts were established as identity theft, and unauthorized. Please follow the proper laws and actually investigate the crime, instead of falsely providing false information.
Response Type: Closed with explanation
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
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.