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: September 27, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WV
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: September 27, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT
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
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: September 25, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
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: September 26, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
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:
Thier. Is a account on my credit file that is not mine it is U.S.A..A. Saving account not mine told XXXX. To remove it. and i have sent in a police Report saying that it is not mine. It was removed from XXXX. And XXXX.. so XXXX wants to play around with me like they don’t understand. XXXX
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: September 26, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
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
Full Complaint:
XX/XX/XXXX charges were made to a new credit card account number ending in XXXX that was generated by USAA Credit Card Banking Services without authorization request or knowledge of this new card or account. This card was then activated and used by the person whose name it was issued to and accumulated charges all on date referenced above in the amount of {00.00}. Additionally, charges were not declined when the credit limit was exceeded by almost this entire amount. This was brought to my attention by a fraud alert message on my phone the day of transactions to which I responded. All the charges were removed initially and pending investigation resulting in One of the charges removed from my account as unauthorized however, the others remain on my account which holds a different account number and has held this number for many years. I have sent three letters to USAA Credit Svcs. and have received no response addressing the specific issues stated in the letters ; XX/XX/XXXX and XXXX, XXXX.
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: September 26, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Problems at the end of the loan or lease
Sub-Issue: Unable to receive car title or other problem after the loan is paid off
Full Complaint:
I originally filed a complaint regarding fraudulent practices conducted by USAA Federal Savings Bank. I received nothing more than a generic response from them. Now I have to file a small claims suit against them. I will obviously receive judgment in favor because attorney ‘s are prohibited from small claims court and I highly doubt the CEO will show up. Even if the CEO did show, I’d still receive judgment without much effort. Consumer beware.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: September 27, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
Full Complaint:
I was told by a USAA Customer Service Representative that there was a 6 day grade period for payments to credit card accounts. I paid within this grace period. USAA has chosen not to honor this grace period and has instead charged a {.00} interest fee to my account and is unwilling to reverse this fee despite having been told that there would be no such fee due to the grace period.
Complaint Tags: Servicemember
Response Type: Closed with monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: September 27, 2019
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: Trouble using your card
Sub-Issue: Can’t use card to make purchases
Full Complaint:
I applied for the USAA Preferred Cash Rewards credit card on XX/XX/2019 and it was approved for a {000.00} credit limit. I chose to have the card expedited and I received it through XXXX on XX/XX/2019. The card couldnt be activated and I spent over one hour on the phone with USAA trying to figure out what the problem was. However, Im still not sure why the card was approved but then immediately closed, despite speaking with five different USAA representatives. Also, I still owe them {.00} because I chose to have to card expedited.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: September 26, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Payday loan, title loan, or personal loan
Sub-Product: Installment loan
Issue: Problem with the payoff process at the end of the loan
Full Complaint:
I want to be removed from the loan that was refinanced without my permission. I originally agreed to co-sign the personal loan for the amount of {000.00} for my daughter. She was going through a rough time with a break up and a new baby and I offered to help her out with getting caught up on her bills and what not. This was on XX/XX/XXXX. I then agreed to change the financed amount to {000.00}.
At this point I thought the loan was signed for and it was good to go. I then recently found out through checking how much time was left on the loan since it wasnt my loan and my daughter had been paying on it for what I thought was awhile. That it had been refinance twice since then I do not check my Usaa account at home or online since it is less secure and I have had my identity stolen in the past. I didnt think anything of it, just assumed the loan was being paid by my daughter for the original amount we discussed. I noticed when checking that it is not for the {000.00} I had thought. She has since refinanced the loans, and no one ever talked to me or spoke to me at all. She had my social from the first time applying.
Since then there have been two refinances one for {000.00} on XX/XX/XXXX and then an additional one for {000.00} on XX/XX/XXXX.
Neither of those times was I spoken to about the new loans. I want to be removed from those two loans as I never agreed to the loan for that amount.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: September 25, 2019
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Managing the loan or lease
Sub-Issue: Billing problem
Full Complaint:
On XX/XX/2019 ( approximately ), I mailed my monthly payment check to USAA Bank on my USAA RV Loan. I mailed a personal check on time for the payment amount of {0.00}. Unfortunately, the monthly payment was actually {0.00}. Therefore, I inadvertently wrote my payment check to USAA for XXXX cents short. As soon as USAA notified me of my error via mail, I immediately wrote and mailed a check to them for ” XXXX cents ”. During this incident, I was going through a home refi loan. I was soon thereafter informed by my loan broker that USAA issued me a 30 day late on my account to the credit reporting agencies ; due to my XXXX cent error. When I telephoned USAA regarding the issue, I was informed to write an explanation/defense letter regarding the incident and they would conduct an internal review of the incident, in order to determine if their credit damaging action was valid. In one later response, USAA notified me that their final decision regarding my explanation/ defense was deemed ” frivolous ” and that the 30 day late that USAA issued to me to the credit reporting agencies was valid. ( Ironically, USAA Bank didn’t view their aggressive credit ruining actions regarding my minor XXXX cent error as frivolous ). Since that time, due to my frustration with USAA Bank ‘s unprofessional action against my credit history, I have recently sent a loan payoff check to USAA, so that I can close my RV loanand eventually end all customer banking services with USAA in the future.
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.