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: June 13, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
Full Complaint:
USAA placed a {0.00} hold on a recurring alimony check ( nearly 2 years ) drawn on account with their own institution! Not only that but they know the funds inadvertently came from a XXXX XXXX payroll check as my ex has banked with them for over 20 years!!!
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 14, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-Issue: Non-sufficient funds and associated fees
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 14, 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
Full Complaint:
I am a member of USAA since XXXX, and currently have one checking account with them. On XX/XX/XXXX I made three transfers from my XXXX XXXX XXXX checking account to my USAA checking account through the USAA app. My first transfer was in the amount of {0.00} and no holds were placed. Then I placed a second transfer in the amount of {.00} and again, there were no hold on that transfer. My third transfer was in the amount of {.00} and before I could complete my transfer, the app prompted me that the transaction could not be completed at that time. When I looked on my checking account, my account had a balance in the same amount of {.00} and a hold of 8 days were placed on my transfer, making the amount available on XX/XX/XXXX. I contacted USAA to ask why a hold was placed on my transfer, and why the app prompted a message saying that the transfer transaction was not available at that time, and after being on hold for a few minutes, the representative came back on the line and told me that because I was charged ( incorrectly ) two NSF fees, the system will choose to place holds on my transfers.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 13, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
Full Complaint:
I had a secured credit card with usaa. I called and spoke to one of their representatives and asked if I could set up an automatic transfer from my savings to my credit card account to keep the account open, she said yes that would be acceptable. Once that payment date arrived the account had been closed out anyway. I attempted to speak to USAA about the issue and it took 3 phone calls to finally get to someone who was able to help. She was a member of the ceo relations team. She reviewed the phone calls and got back to me. She did acknowledge the fault lay with USAA and she would find a way to fix the issue. Over the next 2.5-3 months I didnt hear anything back. I attempted to contact her multiple times and was never able to get ahold of her. On one occasion I was on the phone for 45 minutes before someone could transfer me to the correct department. As they transferred me the call dropped and I never got a call back. I finally heard back from her last week and was told that they could reopen the card. I called yesterday and told her Id be able to open the account with a {0.00} deposit, was told that wasnt a problem. She called back this morning and said first that they couldnt open the account with {0.00} only {0.00} since that was the line of credit originally. Later in this same phone call she said they werent willing to open the credit line with {0.00}. It seems like they arent really trying to correct their mistake and dont want to do what seems appropriate to make the situation right.
Complaint Tags: Servicemember
Response Type: Closed with monetary relief
Public Response:
Company believes complaint is the result of an isolated error
Date of Complaint: June 14, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-Product: Savings account
Issue: Closing an account
Sub-Issue: Company closed your account
Full Complaint:
USAA denied our homeowner ‘s insurance claim because according to them as best as I can understand because I changed our deductible before we had a bad event happen. I had no possible way of knowing what was going to happen after changing our deductible. I appealed and the same adjuster who denied the claim the first time also denied my appeal. I kept pleading with USAA as I didn’t know what was going to happen and I had no bad intent. The adjuster ‘s supervisor responded online that his decision will stand. Shortly later I can’t log into my online banking. I later find out that USAA canceled our homeowner ‘s policy, they blocked access to my online account, they closed my savings account, they closed my checking account, and they closed my credit card which was on 0 % apr promo and want me to pay the balance immediately. I have been a member of USAA for 9 years, perfect account history, no prior claims ever made for our home. My wife and I have been paying their premiums without a single claim for our home. We are both deeply hurt my USAA ‘s actions.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 13, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
Full Complaint:
I am writing to dispute a billing error ( fraudulent usage of my debit card ) in the amount of {0.00} with four fraudulent charges made on my account. The amount is inacurrate because someone fraudulently used my card after I lost it and was used at XXXX XXXX XXXX where I have never been. I followed all electronic Funds transfer rules and notified USAA immediately within an hour and the card was cancelled. The USAA employee said she would put in a fraud on those charges but never did. I spoke with someone in Security and he said they couldn’t add the money back in because I did not file a police report even though no one told me I needed to. I filed a police report and sent a registered letter to USAA and never received any response from them after waiting three weeks.
It is clear to me that USAA could care less about their customers and saw how many complaints about them on claims. Do not use them and keep in mind that those people in the commercials are clearly paid to say good things. They just use military people to make money off of them.
Complaint Tags: Older American, Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 13, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
Full Complaint:
On XX/XX/2019 at XXXX XXXX I paid my monthly payment on my USAA renters insurance. I received a confirmation number of # XXXX. I paid with a MasterCard credit card and can show statements by email as well. The very next morning I received an email stating they have yet to receive payment and it is attached as a photo jpg. I want my payment credit issued to my USAA bank renters property insurance account as soon as possible. This bank is not honest and harasses and steals from war vets and this is proof.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company can’t verify or dispute the facts in the complaint
Date of Complaint: June 13, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-Product: Savings account
Issue: Managing an account
Sub-Issue: Fee problem
Response Type: Closed with monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 14, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SD
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
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 14, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
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 submitted an extremely thoroughly done dispute with the USAA bank over a jewelry purchase. Over the next week and a half the bank pretended everything was kosher, until the finally decided that they would not help. I have massive amounts of evidence.
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.