November 2020 Complaints Against USAA

Compiled from Public Data by FairShake

If you have an issue with USAA, you’re not alone.

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.


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Complaint Details:

Date of Complaint: November 17, 2020

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: NC

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Other personal consumer report

Issue: Incorrect information on your report
Sub-Issue: Public record information inaccurate

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: November 13, 2020

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: NE

Product: Checking or savings account
Sub-Product: Checking account

Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card

Full Complaint:
The morning of XX/XX/XXXX my USAA checking account had an unauthorized charge. While I was on hold with the USAA someone made two more purchases on my account. I was originally told I would see my funds in 3 calendar days. After that they told me it was three calendar days from Monday XX/XX/XXXX. After that I was told it was 10 buisness days. On Friday the XXXX of XXXX I was told there was never a claim issued. On XX/XX/XXXX I was told there was a claim file on XX/XX/XXXX and another filed on XX/XX/XXXX. Finally today XX/XX/XXXX a XXXX called me and said they have 10 business days to resolve the claim, which would put them at today XX/XX/XXXX, but their fraud department is backed up. After talking to the bank this morning there is no plan to issue my funds today. I am out almost {00.00} from my checking account and after today those funds have been missing from my account for 14 calendar days and 10 business days.

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

Public Response:
Company believes complaint represents an opportunity for improvement to better serve consumers


Complaint Details:

Date of Complaint: November 13, 2020

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: NE

Product: Checking or savings account
Sub-Product: Checking account

Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

Public Response:
Company believes complaint represents an opportunity for improvement to better serve consumers


Complaint Details:

Date of Complaint: November 14, 2020

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: NJ

Product: Checking or savings account
Sub-Product: Other banking product or service

Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card

Full Complaint:
XX/XX/2020 at XXXX XXXX I called USAA Bank to file a claim on an unauthorized transaction using my debit card that posted on XX/XX/XXXX for {.00}. I already canceled my debit card. Got a credit while claim is in process.
XX/XX/2020 XXXX XXXX Got a call from a representative of USAA asking me what happened with that transaction. After explaining I was told it was filed as a dispute claim should had been a fraud claim. I told her I just called in and representative filed the claim I have no idea was the wrong one. She said credit will be reversed and I should see another credit under fraud instead by XXXX XXXX Credit was taken back on XXXX XXXX 2020. No credit was reissued.
XX/XX/2020 XXXX XXXX Called to asked about status of claim. Was told I should had the credit already. Representative review acct and said could see notes. To give 3 to 5 business days and I should see credit.
XX/XX/2020 XXXX XXXX Called again to check on status and credit. Representative said she can see notes. Put a work order to get credit should take 7 to 10 business days.
Absolutely unacceptable is I have to keep waiting and calling after a month of calls going back and forth and this is not free money. Hard earned money not XXXX cents or XXXX dollars but {.00} that I could pay a bill with. Besides another issue that havenr been resolved either. I cant access my insurance yo make payments this has been going on since XXXX. No resolution either and here I am can’t make my payment. Already missed a payment arrangement because of this on my car insurance. I dont like to give my card or acct info on a call to a person. I prefer doing it thru website of the bank. I cant even use bill pay option either. Again another issued mentioned on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and still nobody knows why.

Complaint Tags: Servicemember

Company response:

Response Type: Closed with monetary relief

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: November 16, 2020

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: ND

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Closing your account
Sub-Issue: Can’t close your account

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: November 16, 2020

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: VA

Product: Money transfer, virtual currency, or money service
Sub-Product: Mobile or digital wallet

Issue: Confusing or misleading advertising or marketing

Full Complaint:
On XX/XX/2020 I attempted to buy a computer graphics card from XXXX from someone names XXXX XXXX XXXX. This person stated that XXXX XXXX took too much money from the buying transaction and thought XXXX was a good payment form. I thought the same as XXXX goes directly through your bank. I was wrong though. It has now been 2 weeks and i called USAA ( my bank ) to get an update. Just to be slapped in the face by being told ” We got a response back from XXXX saying that in there terms and conditions they can not do anything in a buyer and seller situation. So I bought a graphics card for {0.00} through XXXX but never received the item and even tried to contact the seller multiple times but was blocked.

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: November 13, 2020

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: VA

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

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: November 13, 2020

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: CO

Product: Checking or savings account
Sub-Product: Checking account

Issue: Managing an account
Sub-Issue: Funds not handled or disbursed as instructed

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: November 13, 2020

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: MI

Product: Checking or savings account
Sub-Product: Checking account

Issue: Closing an account
Sub-Issue: Company closed your account

Full Complaint:
Hello I have banked with usaa Federal bank for over 6 years which is a military bank I move around a lot I have had accounts that have been closed do to Negative Balance and I have paid them off before it Reached my credit I just had a account that I paid off I let the bank know that I had death in my immediate family and that I was impacted by COVID-19 I asked them not to close the account because a large amount of money was coming in I only did that because they say to let your representative know if you are impacted by COVID-19 so my big deposit came in they took care on the account and paid it off and they sent me a check for XXXX I then took that check and A mobile deposit it in another checking account with USAA the next day they said there no longer want me to bank with them and said that XXXX they will close my account and sent me any funds I have rent to pay by Monday XXXX of XXXX they told me there is nothing they can do I will have to wait 60 days my son has a youth account and they will also hold his funds I have called and ask why are they doing this they have said they will reverse the decision because there was a miss understanding and that someone will call me no one has called and I have to just wait for them to send my money they said they have the right to make a decision and lock me out of my account I told them it COVID Im behind on bills but there nothing they can do! They also told me that they dont have to list a reason for there decision but I think they are really unfair as a bank institution to keep receiving Direct deposits and locking a person out of there account no fraud was committed and they could have contact me to give a warning saying whatever instead of locking me out my account I have XXXX kids and no money no cash no nothing! Please help me thanks my email is XXXX my phone number is XXXX however my phone maybe off do to the fact I cant pay it because of USAA

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: November 16, 2020

Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION

State: NM

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:
USAA VISA has been witholding the use of my credit card for 7 business days per month, every month. My entire balance was {00.00} this month and I paid the entire balance last Thursday it was removed electronically from my bank and I can not have use of this card now until this Friday. I called numerous times in aggravation because there credit card agreement does not state they will be taking an interest free loan from consumers for 9 days out of each month, as they don’t count weekends as business days. It also doesn’t state that by never making a late payment in 8 years you will only have use of your card for 21 days per month. However, it does state that they will be charging you interest during this non usable time or every month, or every day of every month. So, this is a {00.00} credit card visa, my credit score today before writing this is XXXX. As I stated the entire balance was removed from my bank last Thursday.This is what they call there ” Platinum ” card.

Complaint Tags: Servicemember

Company response:

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.

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