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 17, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Checking or savings account
Sub-Product: Checking account
Issue: Opening an account
Sub-Issue: Account opened as a result of fraud
Full Complaint:
I received a copy of my XXXX XXXX XXXX record and I have found several inaccuracies in the report, and my consumer ID number is XXXX.
The following information is inaccurate : USAA Account # XXXX marked as fraud USAA Account # XXXX marked as fraud In detail, you recorded that I had non-sufficient funds/checking account fraud with USAA on or around XX/XX/2018. I am disputing this record because it is inaccurate due to identity theft. According to section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove items from report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litagtion due to the stress you caused me. My information was also impacted the XXXX data breach and may have got into the wrong hands.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 18, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Banking errors
Response Type: Closed with explanation
Public Response:
Company believes complaint represents an opportunity for improvement to better serve consumers
Date of Complaint: November 17, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-Product: Checking account
Issue: Opening an account
Sub-Issue: Account opened as a result of fraud
Full Complaint:
Someone opened an online account in my name. I have sent letters, called ( I can’t answer security questions because I did not set up account ) I have a police report for this fraud, sent an identity theft letter x2 and get no response. They just send me bank statements.
USSA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX TX XXXX I have never served in Military I did not open this account
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 17, 2020
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
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 18, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
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 18, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-Product: Traveler’s check or cashier’s check
Issue: Fraud or scam
Full Complaint:
My roommate was moving out of our apartment and I was desperate to find a new roommate. I posted many ads to XXXX and XXXX and was unable to find someone who seemed legitimate or who was willing to sign a lease. While browsing XXXX one day, I saw a post from someone stating that their friend needed a room. I contacted the person per email and we began talking. They sent me a picture of a Washington driver ‘s license with the name XXXX, XXXX on it, so I assumed they were a real person. They told me they were working in Mississippi doing XXXX work and were soon returning to XXXX to continue work at the XX/XX/XXXXXXXXXX/XX/XXXX which has a great XXXX program. Naturally, they seemed legitimate to me, a desperate renter. After a few more days of talking and putting them in contact with my apartment manager, they began to fill out the application, which further proved their legitimacy. They were seemingly unable to submit pay stubs ahead of time, which seemed weird but not suspicious to me. They told me over email and text that they would send me a check in the mail with money for paying XXXX ‘s rent, as well as additional money which would need to be transferred to the moving company/persons to assist in moving XXXX ‘s cars and belongings. I received the check in the mail for {00.00}, deposited it, and assumed everything was going well. I later followed XXXX ‘s instructions to send the money to the moving company ‘s assistant ” XXXX XXXX ” over XXXX on the USAA Mobile app. I sent {00.00} in the first transaction on the XXXX, then {0.00} on the XXXX, and finally a payment of {0.00} on the XXXX. XXXX told me that they needed the additional {0.00} for moving costs because it had somehow increased. I was suspicious and asked for proof in writing, but figured that since the check was not really MY money, no harm could be done by sending the funds ( only {0.00} of which I was able to send – XXXX ‘s monthly limit is {00.00} ). I sent XXXX the money and XXXX replied with their thanks. Then today, the XXXX, I went to the ATM after work only to be told by the machine that I had ” insufficient funds. ” I found this hard to believe because I knew I had money in there this morning. I went home, confused, and called my bank after I saw that my account was in the negative XXXX $ XXXX XXXX. I called my bank and they said that the check I had deposited from ” XXXX ” was altered/deemed fictitious. Following this information, I filed a police report with the XXXX Police Department and gave them the information.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 18, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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: Problem with personal statement of dispute
Full Complaint:
On or about XX/XX/2020, I refinanced an auto loan with USAA in order to get a better interest rate. The original loan was with them also. I received a new loan rate of 9.25. When I looked at the refinance documents, it showed a credit score of XXXX from XXXX. I have an XXXX account and knew that my credit score was XXXX.
When I contacted USAA to see if they used additional or different scoring from XXXX, they said they did not. They took it directly from XXXX. I checked XXXX XXXX credit reporting, and the score was XXXX.
Since all payments were on time, and this was the only credit bureau they used ( score is higher for XXXX and XXXX XXXX, I want to know what factored into this score and this interest rate.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 18, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
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
Full Complaint:
This is my 3rd complaint on this matter. Usaa sent my vehicle out for repossession status. I paid all back owed. Usaa is still improperly reporting past due on the account. I paid all past due balance, usaa is reporting wrong information
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 18, 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 status incorrect
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 18, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-Product: Checking account
Issue: Opening an account
Sub-Issue: Account opened as a result of fraud
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.