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: December 29, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Struggling to pay your loan
Sub-Issue: Lender trying to repossess or disable the vehicle
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 28, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-Product: Checking account
Issue: Closing an account
Sub-Issue: Can’t close your account
Full Complaint:
I have been trying to close my checking account, with USAA since XXXX. first USAA said that we had fees outstanding, and we had to wait a few days to ensure that there were no pending transactions. When we went through the fees we learned that there were mistakes created by USAA to obtain overdraft fee When USAA reviewd their mistakes they refunded the fees. After about of month no transactions on the accounts I attempted to close the accounts today. When I logged on three of the accounts showed a XXXX balance, XXXX dollars in one account, and XXXX XXXX cents in another account.
I transfered the funds, that showed a XXXX balance. When I called USAA to close the accounts they said one of the accounts had an outstanding balance. When I looked into the transaction history, an overdraft fee that was refunded was re-instated, triggered by my attempt to close the account. This problem was created on one other account.
Lastly according to USAA if I have an outstanding balance [ which I currently do not ] they can not close my 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: December 27, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don’t recognize
Full Complaint:
On ( XX/XX/2016 / {00.00} ), USAA SAVINGS BANK added a derogatory mark on my credit report per XXXX XXXX, XXXX, XXXX, and XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor ‘s creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it’s mined.
According to the FCRA, USAA SAVINGS BANK has violated my rights as a consumer, and I’m requesting legal action to remove this account immediately.
In addition, the CARES ACT is LAW. ( SEC 4021 ) Any Creditor or Credit Bureau that does not fix any deferred missed payments reported to the credit bureaus are simply choosing to disobey the law and further action on your behalf can result in more issues than a company and/or credit bureau wants to deal with.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 29, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Mortgage
Sub-Product: Other type of mortgage
Issue: Trouble during payment process
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: December 24, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Struggling to pay your loan
Sub-Issue: Denied request to lower payments
Full Complaint:
I have requested that USAA grant me additional relief on my autoloan due to Covid-19 as we have been ordered to stay at home again. I contacted USAA o XX/XX/XXXX to ask for another extension. I have made some of my payments during this time, but as of XXXX we are ordered to stay at home again and I am unable to earn an income. USAA denied my request for relief on my payments. I have requested relief twice before and USAA granted it, but again as stated since that time I have made some payments, but again we have to stay at home, which is out of my control. USAA ‘s refusal to grant additional assistance is unconscionable and I am requesting an investigation into this matter. Additionally, I am a XXXX citizen and this is no way to treat anyone.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 24, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE
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
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 27, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
Full Complaint:
On ( XX/XX/2015 / {0.00} ), USAA SAVINGS BANK added a derogatory mark on my credit report per XXXX, XXXX, XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor ‘s creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it’s mined. According to the FCRA, USAA SAVINGS BANK has violated my rights as a consumer, and I’m requesting legal action to remove this account immediately. In addition, the CARES ACT is LAW. ( SEC 4021 ) Any Creditor or Credit Bureau that does not fix any deferred missed payments reported to the credit bureaus are simply choosing to disobey the law and further action on your behalf can result in more issues than a company and/or credit bureau wants to deal with.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 23, 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
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 27, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Collected or attempted to collect exempt funds
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 24, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-Product: Checking account
Issue: Opening an account
Sub-Issue: Confusing or missing disclosures
Response Type: Closed with explanation
Public Response:
Company believes complaint represents an opportunity for improvement to better serve consumers
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.