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: March 24, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
Full Complaint:
My mortgage is with USAA and I live in XXXX XXXX XXXX. New York is under a state of emergency due to XXXX. Governor XXXX XXXX approved a 90 mortgage deferment for New York. I called USAA and they have explained that the 90 day deferment is in effect in their systems. However, what was explained is that after the 90 day deferment, there will be a balloon payment due for three months which in my case would be {00.00}. The {00.00} will be due on XX/XX/2020 ( after 3 months ). The logical thing to do is to put the amount owed towards the end of the loan/at maturity. It does not make sense that there will be a balloon payment due after three months. New York is under a state of emergency, how can one participate in such a program where a huge balloon payment will be due after three months? The proper solution would be to take the amount and add the amount at maturity.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 24, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
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
Response Type: Closed with explanation
Date of Complaint: March 23, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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
Full Complaint:
Called USAA earlier today, XX/XX/XXXX, to explain that I had been laid off work due to COVID-19. I have an automated draft of {0.00} that should post in two days and wanted to know what financial options were offered, because the funds are NOT currently available in my account. I was told that I do not qualify for anything because they need at least four days notice to stop automated drafts. I was also informed that if I do not pay amount due in 15days a late fee will be charged and if after 30 days that I would be reported to the credit bureau. The representative placed me on hold to consult with a higher official. Unfortunately, the results were the same. No postponement or waiver of late fees after the standard fifteen day grace period, EVEN WITH COVID-19 situation!!
I will never again sign for automated drafts with this institution!!! It turns into a curse!!
Complaint Tags: Servicemember
Response Type: Closed with explanation
Date of Complaint: March 24, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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
Full Complaint:
See attatched XX/XX/XXXX XXXX TRANSACTIONS. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. see attatched XX/XX/XXXX XXXX TRANSACTIONS ALL XX/XX/XXXX DUPLICATE XXXX CHARGES OF XXXX XXXX. WHO USED MY DATA FROM XXXX TO CHARGE MY ACCOUNT XXXX? Why DOES USAA REFUSE TO ADMIT DUPLICATE CHARGES? Why HASN’T USAA PROVIDED CREDITS FOR DUPLICATE XXXX CHARGES OF XX/XX/XXXX AND XX/XX/XXXX?
Complaint Tags: Older American
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 23, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: You never received your bill or did not know a payment was due
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 23, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem caused by your funds being low
Sub-Issue: Non-sufficient funds and associated fees
Response Type: Closed with monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 24, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI
Product: Debt collection
Sub-Product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-Issue: Talked to a third-party about your debt
Full Complaint:
Debt collection company contacted family members in regards to ” Locate me ”. Yes, they have tried to contact me an I have not returned there calls but my phone number has always been the same and not disconnected with the same voice stating that you have reached me. The company specifically named it self to my family members, not stating that they are trying to collect a debt but that can be changed with one XXXX search away. How are debt collection companies able to research this information and contact third party ‘s without there consent? Family members are now worried that there information has been comprised.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 24, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Struggling to pay your loan
Sub-Issue: Denied request to lower payments
Response Type: Closed with non-monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: March 24, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn’t receive notice of right to dispute
Full Complaint:
Note : The initial questioning does not suit my scenario, therefore I place any answer to move forward. I would suggest other means of finding the issue of the complainant, such as a direct question.
To : Consumer Financial Protection Bureau XX/XX/XXXX From : XXXX XXXX XXXX To whom it may concern, I am making a complaint in reference to property claim dispute with USAA insurance. I have been working on this claim over a year. I first noticed the damage to the home in XX/XX/XXXX. I was in school in XXXX, Tennessee at the time.
One weekend I came home to check my mail and I had to immediately return school, because I was working as an XXXX in the mornings and attending school in the evening. I witnessed the wind blow my roof shingles up in the air like a sheet being tossed to and fro when one attempts to make their bed. It was raining at the time too. I did not have time to contact USAA and follow the complaint. I submitted the complaint when I finished school in XXXX. The actual date may be in XXXX or XXXX of XXXX.
I had considerable mail to police and work to do to put my house in order, literally. I have health issues that needed to be attended to and I was working with VA to get those taken care of. I had a XXXX XXXX ( XXXX XXXX ) and they are currently working to help with XXXX XXXX XXXX XXXX XXXX, so my ability to get around is severely hampered.
The issues with the claims are the inspector ( s ) will come out and inspect, but they do not report or even return calls to me once they have completed the report. We would have to review each inspector separately. The final inspector did make his report after my call to USAA. He admitted they will only do what the insurance company wants them to do, which is my word against his. In this final assessment by USAA and their subcontractor XXXX states the cost of repair is less than the deductible, but they never include the repair of the roof, which is estimated to be between three and five thousand dollars.
The damage they report is to the bathroom skylight, and the dining and living room water marks. The problem with this is water flows from the roof to those other areas, so if the roof is not repaired one would be wasting their time repairing the other areas. It is akin to placing a bandage on a gaping chest wound.
I would have to fill you in on the finer details as we go forward, because the details are considerable and extremely important.
Thank you for any assistance, Sincerely, XXXX XXXX
Complaint Tags: Servicemember
Response Type: Closed with explanation
Date of Complaint: March 24, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Credit card company isn’t resolving a dispute about a purchase on your statement
Full Complaint:
USAA MAKES FALSE CREDIT REPORTING STATEMENTS TO AUTHORITIES. WHY IS THIS LEGAL? XX/XX/XXXX CFPB XXXX, XXXX, XXXX USAA CONFIRMS over {00.00} of Fraud Credits Applied Timely & Appropiately. for those I did get letters see attarched XX/XX/XXXX FRAUD XX/XX/XXXX letter {0.00}, XX/XX/XXXX FRAUD letter {0.00} XX/XX/XXXX & XX/XX/XXXX FRAUD XX/XX/XXXX letter {0.00} CONFIRMING TOTAL {0.00} USAA CREDITS. see attatched statements XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. ( {.00} XX/XX/XXXX USAA CREDITS ) Where are USAA CREDITS?
Complaint Tags: Older American
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.