Compiled from Public Data by FairShake
The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.
In 2020, the CFPB received 1592 complaints against USAA. USAA ranked Number 27 among all financial companies for the most complaints.
Date of Complaint: November 2, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 2, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
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: November 3, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Getting a loan or lease
Sub-Issue: Fraudulent loan
Full Complaint:
This account was open fraudulently. This account is affecting my credit. Please have this account removed.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 3, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Getting a loan or lease
Sub-Issue: Fraudulent loan
Full Complaint:
This account has been opened fraudulent and its affecting my credit.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 2, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Debt collection
Sub-Product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
Response Type: Closed with explanation
Date of Complaint: November 3, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
Full Complaint:
On XX/XX/2020 my son tried to download a game from XXXX XXXX and it was unsuccessful. I called XXXX and during COVID 19 their not answering their phones after multiple calls. I then called my back to dispute the transaction, and I been noticing my bank doesn’t take disputes seriously, so before thirty days are up, they reverse the credit of XXXX for this game. I called my bank and said, wait, I was vehemently disputing the charge. The gentleman said he reopened it on XX/XX/2020, then to make certain, I call back on XX/XX/2020 and speak with XXXX in escalations, she says ” What is wrong with you? Why are you cussing ” There must be something wrong with you? ” So, I find out this morning after calling back again and being hung up on that now one reopened the dispute. They closed the dispute before its time. I uploaded documents they requested but never sent out or uploaded to my online account to get to them sooner. I called in prior and was hung up on again, so I called back and closed my insurance and their cheap credit card. Then I wrote the XXXX XXXX XXXX a complaint while I called back in to hear someone finally truthful telling me that my dispute was permanently closed.Moreover, I have credit cards with high limits, USAA gives me a XXXX limit, and my XXXX XXXX is Platinum with over XXXX dollar limit, my credit usage is below 15 percent. My auto loan I applied for with USAA they offered me XXXX dollars when all the others offered XXXX dollars. Just last month I had to dispute two XXXX dollar service items and I went above and beyond to get a letter from the XXXX office, COO, but I had plenty of funds in the bank when the bank called me and went on a rant to tell me what to do and write them letters, go back to the doctor, run around and then call her back? Seriously, I have only spoken to the same people at USAA in ten years maybe twice. I know bias, prejudice, the red headed step child, discrimination, and straight meanness when I hear it. I also know evasive, neglect, and USAA should point fingers at themselves for their own dirty deeds. My son works way too hard to not receive his game and this bank has not been above board at times so when I cuss its for good reasons.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 2, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 3, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Getting a loan or lease
Sub-Issue: Fraudulent loan
Full Complaint:
Account has been open fraudulently. This account is affecting my credit.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 3, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Card opened as result of identity theft or fraud
Full Complaint:
This account has been open fraudulently. Im victim of identity theft. This account is affecting my credit.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 1, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-Product: Savings account
Issue: Managing an account
Sub-Issue: Banking errors
Full Complaint:
USAA Bank without our authorization changed our beneficiary on both our savings and checking accounts.
On XX/XX/XXXX, we added our son, XXXX XXXX, as beneficiary to both of these accounts. USAA has confirmed they have this information. On XX/XX/XXXX, I was doing a review of our account information and noticed someone as a beneficiary that was not authorized by us. I called USAA and inquired as to why/how they illegally without our authorization changed the beneficiary on both of these accounts to someone who was not authorized. No one could explain how it was changed. It took over an hour on the phone to change the beneficiary back to the way it was supposed to be. I was told a supervisor would contact me to explain how/why this happened.
I spoke to XXXX XXXX on XX/XX/XXXX. He indicated he was a supervisor. A case # was assigned XXXX. He said he had no idea how it was changed and said he would investigate the matter and call us back. He never called.
On XX/XX/XXXX, I wrote the CEO, XXXX XXXX, of USAA explaining the situation and asking how someone could illegally change our beneficiary on both our checking and savings account without our authorization. I also cc ‘d : XXXX XXXX, President USAA Federal Savings. Someone called from the CEO ‘s office and said we would be contacted.
On XX/XX/XXXX, we received an e-mail from XXXX XXXX, Advocacy Advisor from USAA. Indicating she would contact us within two days to discuss. She never called or contacted us.
On XX/XX/XXXX, I again wrote the CEO of USAA stating that no one had contacted us. On XX/XX/XXXX, at XXXX XXXX. someone called from USAA and left a garbled message inquiring that we call them back. I believe the name she left was XXXX ( but I am not sure ). She did indicate she was calling from the CEO ‘s office. The phone number she left was XXXX Ext. XXXX. I called back and left three messages. She never called me back. As of this date no one has contacted us to explain to us how this transpired.
I want to know how a financial institution was able to illegally and without our authorization change our beneficiary for both our checking and savings account. Although, I was eventually able to change the information back to our son. I am concerned as to why this happened and even more concerned as to …. will happen again.
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.