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 14, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Managing an account
Sub-Issue: Banking errors
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 17, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Managing the loan or lease
Sub-Issue: Problem with fees charged
Full Complaint:
I made a partial payment on my loan last month USAA auto loan and the young man asked me when would I be able to pay the remainder of the loan I explained to him that I was looking for the funds to come to me within a week or two he gave me a date I said yeah probably around that time he in return takes and makes that date the date to have the money withdrawn from my account which I did not come out my mouth tell him to take this money out of my account on this date which caused me {.00} over draft fee. I tried to dispute it and they refused dispute. Now they are charging me other {.00} for the same thing.
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 17, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
Full Complaint:
USAA Financial Services reported that I was 30 days late on my credit card to the credit bureaus. We only discovered this late report approximately a month ago when applying for a loan for a new home. In the last few weeks we have spoken with USAA 5 times on the phone including most recently today for over one hour. On every single phone call we’ve had with them they state that it was an error on their part and that they’ll fix the error. Last week they mailed out a statement letting us know that they found no issue with their reporting and that we should file an appeal in order to correct this issue. Today, as previously mentioned they were extremely apologetic but said that we should be fixing their reporting issues with the credit bureaus rather than them. We are extremely frustrated with this issue. Their negative reporting is going to cost our family thousands of dollars a year in interest costs on our new mortgage as a result of their negligence in reporting and incompetence in fixing the issue. Unfortunately, the 3 times we’ve had them tell us we’d get a statement in writing that they were incorrect in their reporting they’ve failed to produce one.
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: GA
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Funds not handled or disbursed as instructed
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 17, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: None
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: 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 14, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-Product: Checking 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 17, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Application denied
Full Complaint:
On approximately XX/XX/2019, I received a mail offer from USAA for a pre-approved credit card offer. The offer stated I was ” Pre-Selected ” for the USAA Rate Advantage Visa Platinum credit card. The offer had a fixed expiration date and contained the mandatory, legally required, Pre-screen and Opt-Out notice. I also verified that USAA obtained a soft-inquiry copy of my credit bureau report prior to making the pre-screen offer. This offer was a legal, firm offer of credit.
On XX/XX/XXXX, I also noticed the same pre-screen offer in the ” My Offers ” section of my USAA eBanking portal. I already have credit card products with USAA and have had them for many years.
On XX/XX/XXXX, I submitted my online application for the pre-screened offer and my application was immediately declined. During the application process, USAA obtained a copy of my credit bureau file from XXXX. USAA informed me in writing of their decision and the only reason stated was ” Maximum credit limit reached. ” USAA knew perfectly well what my credit limits were with them prior to my application and, in fact, prior to extending the pre-screened, firm offer of credit. Worst case scenario is they knew my credit limits with them upon accessing my credit bureau report used to determine my qualifications for their firm offer of credit. Further, it is not my responsibility to know whether my current credit limits put me at their maximum exposure or not.
Knowing I was unqualified for their firm offer of credit, they should, at a minuimum, never pulled a hard copy of my credit bureau file after I applied.
Complaint Tags: Servicemember
Response Type: Closed with non-monetary relief
Public Response:
Company believes complaint represents an opportunity for improvement to better serve consumers
Date of Complaint: June 17, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company’s investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
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: OH
Product: Checking or savings account
Sub-Product: Savings account
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: June 17, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
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
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.