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 25, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Company closed your account
Full Complaint:
I am a XXXX veteran and had 2 usaa secured credit cards : one with a {00.00} limit and one with a {00.00} limit. Times got tough and I was unable to pay my bills all the way off. There were just a few dollars owed on each account, but the late fees and over the limit fees caused them to go to approximately – {.00} and – {0.00}. I attempted to reopen the cards and was told I couldn’t do so via chat to call. Then I called and was told I couldn’t do so via phone to write a letter. Then I wrote a letter and was told they couldn’t be reopened because they were chargeoffs. Then I asked for a pay for delete and that was declined. Then I asked just to pay the debt and was told it is not their responsibility to provide a method for me to pay them since they are charge offs, that if I wish I can just send a check to the bank with a note requesting them to apply it to my account- which doesn’t sit right with me. I requested an invoice and was denied. I requested to pay for them online and via phone and was told no. One representative helped me add them to my bill pay on the USAA mobile app, but thr system would not allow me to process the transaction- i was told ” oh well, we tried ” in response. They are continuing to report the late balance on my credit report monthly, and I can not pay it or stop it or reverse it or anything. I want to buy a house and this is a big problem. I have been dealing with them on this issue for over a year.
It’s {0.00} …. and I can’t even pay it to make it stop. Let alone get it removed. I should have been able to pay this in XXXX. I have been with usaa since XXXX.
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 24, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Debt collection
Sub-Product: Auto debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
Full Complaint:
Im writing on behalf of XXXX veteran XXXX XXXX. His vehicle was repossessed late Tuesday Night/Early Wednesday Morning ( XXXX, 2020 ). He received no notification. He was even hospitalized. He called several times to rectify the issue. Last person he spoke with was XXXX, CSR who transferred him to XXXX in the recovery Dept. He borrowed a loan for {00.00} according to XXXX, ID XXXX XXXX recovery department ). The amount to recover his vehicle is currently {00.00} XXXX bal {00.00} ; Late Fee, {.00} ; Retun fee {.00} ; Repo $ XXXX {00.00} to release ; Towing {0.00} plus $ XXXX XXXX. According to XXXX in recovery dept., USAA attempted to automatic withdraw {0.00} XXXX payments $ 122 monthly ) & there was not sufficient money in the account ( created an overdraft fee for MrXXXX XXXX XXXX. I personally made a payment for Mr. XXXX from my account for {0.00} on XX/XX/2020 ( MrXXXX XXXX is on a fixed income from social security dept of under $ XXXXmonth ). According to XXXX it was returned. I asked why she had no response. Another payment on XX/XX/XXXX she claimed was returned XXXX USAA refused because I dont give access for automatic withdrawal ). Mr XXXX made several attempts to rectify the account before repossession XXXX unknown vendor ). Complaints were filed with NJMVC because the dealer XXXX XXXX XXXX took the money & refused to give XXXX XXXX the title & invoice. The temporary tags shows the vehicle should have received permanent plates in XX/XX/2020. The XXXX XXXX PD, XXXX NJ towed his vehicle. XXXX XXXX refused to release it, claiming, he, Mr. XXXX must go & get it titled before it would be released. Lt. XXXX XXXX was contacted, he told Lt XXXX to call XXXX XXXX XXXX XXXX, XXXX NJ to release the vehicle. He did reluctantly ( We observed the owner, sitting in family dollar parking lot in XXXX XXXX XXXX NJ, staking out the car daily ). I received a letter from Lt. XXXX claiming the incident did occur but the officer was exonerated. The vehicle was registered XX/XX/2020. USAA is making unreasonable demand after they refuse payments from a Veteran who also suffers from XXXX.
XXXX from the recovery Dept hung up on Mr. XXXX. He has no way to get to his medical apt & he needs his dot monthly. I had someone took him to the VA clinic on Wednesday. He was late because his ride was taken away without any form of notification & USAA refusal to accept payments made on behalf of the Veteran unless it was from the Veterans checking account. Terrible treatment of Veterans!!!
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 23, 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
Full Complaint:
On Sunday XX/XX/XXXX I tried to deposit a Check from the United States Treasury Department for XXXX cents. I had to call USAA to get them to increase my deposit amount to allow me to deposit the check via mobile phone. They increased my balance to XXXX, and the mobile app would not accept my check due to the XXXX cents. I then called back and spent another hour on the phone just to find out they couldnt increase the limit for a 12 hour period, and I was asked to try later in the evening ( XXXX ) or first thing in the morning. I again called back on XX/XX/XXXX and was now told they could not increase my deposit amount or allowance above XXXX. So they denied my deposit of XXXX cents due to the extra XXXX cents. They then asked me to mail in the check, and told me it would take at least 30 days to get the money in the account. What good is a bank if they are worried about XXXX cents. Furthermore, they work directly with the Department of Treasury on regulations, it should not be this hard to deposit checks from the United states government. I currently make more a month then the payment from the IRS. This company needs to be fined due to their activity, and for not accepting a check from the United States Treasury. Prior to this event, and before setting up this checking account I called USAA to ensure they could handle large amounts of money and I was told I would have no issues, which clearly isnt the case. This company has cost me time and money, as I now have to switch back to a bank that can accept a XXXX cent deposit. Furthermore, I would say this bank discriminated against me, as they allow other customers to deposit larger amounts of money then my small check. They need to be fined for that also.
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 24, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Problems at the end of the loan or lease
Sub-Issue: Problem while selling or giving up the vehicle
Full Complaint:
My insurance and auto loan is with USAA. My vehicle was totaled and I am being asked to send a signed and notarized POA and affidavit of correction, and I was told to leave it blank so they can make changes to it.I was told they do this all the time. As far as I know you cant make changes to notarized document and Im not comfortable signing and notarizing blank documents for them to fill out later when Im not even sure what Im agreeing to. I was told if I dont they will not payoff the loan, they currently have me in collections charging late fees cutting of my credit cards, and reporting to the bureaus. Ive attached the documents they sent and was told to just sign and notarize, but leave the rest blank, and that theyll fill it out and I can trust them.
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 23, 2020
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: 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 21, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
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 24, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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: Investigation took more than 30 days
Full Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: November 21, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Notification didn’t disclose it was an attempt to collect a debt
Full Complaint:
From XX/XX/2019 through the present, I have been receiving communication from USAA Credit Card Services in Statements via an online portal on Alleged debt that is owed. The Truth and Lending Act is intended to inform consumers of credit, and I have been deceived concerning the information in my consumer credit transaction. According to 15 USC 1692j, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am the original creditor ; I am Protected as a consumer against the alleged debt 15 USC 1692a ( 3 ). According to 15 USC 1692e ( 11 ), Failure to disclose in the initial written communication with the consumer and also, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. According to 15 USC 1692b ( 2 ), this includes when sending out statements. Any debt collector communicating with any person shall not state the consumer owes any debt.
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 23, 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: Problem accessing account
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 23, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
Full Complaint:
Ive filed multiple complaints against usaa from their improper handling of my auto loan. Usaa is now taking action on my checking account and putting holding on funds put into my account when I have more than enough to cover the amount in the account. Usaa has taken unfair actions against me and they need to be looked into. This is just another unfair practice
Complaint Tags: Servicemember
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.