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: May 2, 2019
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
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: May 1, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: None
Product: Checking or savings account
Sub-Product: Checking account
Issue: Closing an account
Sub-Issue: Company closed your account
Full Complaint:
I’m an XXXX XXXX XXXX XXXX that arrived to XXXX with my wife and XXXX kids under XXXX orders on XX/XX/XXXX. On XX/XX/XXXX, I noticed that my USAA daily checking account wasn’t available on my phone application, but thought it was a system error since I had just updated the USAA Mobile App on my phone. The next day I had my wife, an authorized owner of the account, verify with the USAA web page that the account still didn’t appear. I then suspected that the account had been closed when my phone got disconnected due to a failed automatic withdrawal. I immediately called USAA to inquire the reason for the closure of my account that I use to pay all my and all USAA products that I own.
Their excuse was that my XXXX sister, one of the four authorized account owners since XXXX ( me been the primary ), had not provided proof of identification and therefore the account was closed. Again, she is a XXXX years-old XXXX person that can’t speak XXXX XXXX on her own. I have been using this account for nearly 9 years and its were my XXXX check gets deposited every XXXX day of the month, yet USAA decided to close this account without notice and with zero consideration to what damage closing this account for one of their loyal members. I had to make a {000.00} loan to match this XXXX ‘s paycheck since XXXX won’t resubmit this month ‘s check until my next payday, which is on XX/XX/XXXX. At the time I called USAA, I asked them to simply remove my sister and reinstate the closed account ( which would have been the preferred initial course of action ), but they said that was impossible and that they could not help me.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes complaint represents an opportunity for improvement to better serve consumers
Date of Complaint: May 2, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-Product: Checking account
Issue: Closing an account
Sub-Issue: Company closed your account
Full Complaint:
In XX/XX/2019, my wife, daughter, and I each received letters via U.S. mail from USAA Federal Savings Bank in XXXX XXXX, Texas, that the bank had chosen to ” exercise its right to no longer do banking business with ” us. The letter further stated that ” certain obligations were not met ” without elaborating on the nature of the supposedly unmet obligations.
Within the following month, the bank did indeed close all of our checking, savings, and credit card accounts. According to FCRA, ECOA, and similar regulations, financial institutions must provide rationale for adverse actions taken against customers. Our numerous phone calls to the bank, and even a letter we penned to the president of USAA, went unheeded with responses of ” There’s nothing we can tell you. ” To make matters worse, we are still insurance customers of USAA ” in good standing ” ; however, when the bank terminated our banking relationships, the bank also disabled our access to the USAA.com website — including online access to our insurance documentation. Our requests for the bank to reinstate our access to the website ( so we can print automobile insurance ID cards, make insurance payments, and the like ) have been ignored.
Other USAA insurance customers in good standing have access to the USAA.com website. The fact that USAA refuses to reinstate our website access is unfair and unequal treatment, based solely on their unrelated refusal to continue a banking relationship with us.
To summarize, USAA must provide specific reasons for their adverse actions against our checking, savings, and credit card accounts, and must reinstate our access to their website for our continuing insurance relationship.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: May 1, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Struggling to pay your loan
Sub-Issue: Lender trying to repossess or disable the vehicle
Full Complaint:
Usaa sent a repo agent to my work. Repo agent used his Rottweiler as a weapon to intimidate me. Dog was lunging and aggressively barking at me putting me in fear of my life.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: May 2, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
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
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: May 2, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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:
I have contacted XXXX XXXX XXXX, and USSA about an entry they are reporting about me that is fraudulent, and was opened as an act of identity theft. USAA allowed for both a personal loan and a credit card to be opened in my name without my permission and fraudulently. I have tried to work directly with USSA many times and tell them that neither of these accounts were opened by me and have gone into great detail explaining to both USAA and XXXX XXXX where USSA reported the debt to that this was fraud. I have provided them a police report that outlined that I was a victim of identity theft and that many fraudulent accounts were opened in my name and correct social security, every since I was a victim of identity fraud. When I have spoken to both of these companies they have both refused to assist me and told me that did not care that I stated I was a victim of identity theft/fraud they would not remove their derogatory reporting of the
se two fraudulent accounts. My identity was stolen when my wallet was taken from me in XX/XX/XXXX when I was robbed. I have had about 17 charge cards, 2 auto loans, and 3 personal loans opened in my name due to this fraud/identity theft, and none of these fraudulent accounts should I be held accountable for. USAA told me in one of the calls that I had with them that the accounts they claimed were opened in my name were included in a bankruptcy, Well I have never filed a bankruptcy EVER, and either of these parties can check my XXXX File, My XX/XX/XXXX File, and My XX/XX/XXXX File and they will see there is no record of any bankruptcy that I filed.
Both XXXX XXXX and USSA are acting in a willful manner of inflicting emotional distress upon me by continuing to report this fraudulent information. They are defaming my character by them continuing to disseminate information that has nothing to do with me except the fact they allowed fraudulent accounts be opened in my name and they are totally unwilling to act in accordance of the FCRA and rectify this matter. I am attaching a copy of my most recent credit report that will affirm that I was a victim of identity fraud/theft and am asking for the immediate removal of this fraudulent information..
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: May 2, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
Full Complaint:
I was on temporary XXXX ; and went into a XXXX Pay Status at work. I have been in contact with USAA/XXXX the entire time. I made a payment arrangement with the mortgage company so that my mortgage would be paid and there would be no issues. USAA/XXXX agreed to keep showing my account as current without any negative comments. My credit reports are showing XXXX late payments and this is having a very negative impact on my credit. I contacted USAA/XXXX again this week, and spoke to a representative, who assured me that the late payments would be corrected. I have filed disputes with all of the credit reporting agencies : XXXX XXXX XXXX XXXX. However, the incorrect, negative information remains on my account. Thank you.
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
Date of Complaint: May 1, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
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
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: May 3, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Problems at the end of the loan or lease
Sub-Issue: Problem related to refinancing
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: May 2, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
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.