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: April 16, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
Full Complaint:
so this all starts on XX/XX/XXXX when I get a notification that someone had made purchases in my name without my knowledge after waiting to be contacted about it by usaa which never happened i reached out a representative said they could ensure a full refund so I waited the money comes in and about a day later the same person starts making purchases in my name again and I reach out to usaa for a stop payment method and everything seems good about what has to be two days later the person had somehow convinced usaa to remove the stop payment and continues buying and about a few days later attempts to have a second card made out in my name to presumably continue buying stuff
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: April 16, 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:
XX/XX/XXXX CFPB USAA Response XXXX REPORTS FRAUDULENT FRAUD REPORTS. see attatched XX/XX/XXXX statement. The Fraud Claim I REPORTED XX/XX/XXXX XXXX INCLUDE ALL THE ADDITIONAL UNAUTHORIZED REPORTS USAA HAS FRAUDULENTLY REPORTED FOR TWO YEARS. ** see XXXX statement. The Unauthorized USAA CLAIMS BETWEEN XX/XX/XXXX XX/XX/XXXX {0.00} BETWEEN XX/XX/XXXX – XX/XX/XXXX {.00} & XX/XX/XXXX {0.00} ** TOTAL MY FRAUD REPORTED {0.00}. USAA DUPLICATED MY REPORT.
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: April 16, 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: Trouble using your card
Sub-Issue: Credit card company won’t increase or decrease your credit limit
Full Complaint:
On 13Apr20, I received an email from USAA informing me that my credit limit had been reduced to {0.00}. Prior to that, my credit limit had been significantly higher, however I can’t recall what the actual limit was ( and they were unable to tell me when I asked them about it in a subsequent phone call ). I called their Customer Service department on XXXX20 and spoke to a representative about the credit limit reduction where I was informed that the reduction had been made due to inactivity of my credit card and for no other reason. I expressed my concern regarding the potential negative impact to my credit score as a decrease in my credit limit increases my overall balance to limit ratio. The representative was unable to understand my concern about the balance to limit ratio and informed me that no derogatory remarks were reported to the credit bureau. I have worked very hard throughout the years to ensure my credit score is excellent so this is very frustrating to all of a sudden have a credit limit decrease when nothing has been done on my part to cause it.
Complaint Tags: Servicemember
Response Type: Closed with non-monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: April 17, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
Full Complaint:
I had a dispute with my bank in the middle of this pandemic and got the courage to report them to the XXXX after retaliation towards me due to my expressed opinions on a social media platform. Yes, social media is that powerful!
Anyway, follow me I made an announcement on linked in asking for help about issues that I was having with usaa because they were tampering with my account. They have recorded calls, I do too.
After the announcement, funds were stolen from my account.
I called usaa and said where are they, they told me they dont know and they cant help me! Ok, ok, ok but wheres my money?
I filed with the XXXX, this was XX/XX/XXXX. In the middle of a pandemic. Picture stealing from your poorest customers as retalion because she cursed you out on the phone after your stole from her the first time.
Here ‘s why I’m here They refunded the total amount of money per the XXXX as they were found to be in the wrong BUT During the dispute, they blocked me from paying down the negative balance on my account, thus calling it a charge off. They plan to report the account as charge off on my credit.
Here ‘s where they went wrong, I linked my USAA account to my new bank so I could see what they were doing. I have the screenshots and pictures! The rep lied and said the account was closed, guess what it’s still opened!!! I’m looking at it right now! The public wont see this but the CF has an uploaded copy of my account info as of today!
As a XXXX veteran I wondered how could someone that I dont know hate me so much to did this? Just because I spoke about being tired of not getting my disputes handled, JUST TO FIND OUT THAT I WAS RIGHT! THEY RECENTLY LOST A SUIT AND HAD TO PAY MILLIONS TO CONSUMERS FOR NOT FILING THIER DISPUTES. THIS WAS THE REASON I WENT TO THE XXXX. I HAVE BEEN FIGHTING THIS ISSUE WITH THEM FOR 5 YEARS! RANDOM TRANSACTIONS WOULD DISAPPEAR FROM ACCOUNT AND NO ONE AT THE BANK COUKD HELP ME. IS THIS WIERD OR IS THIS XXXX NOT RIGHT!? WHICH ONE?!
To add injury, I have the screenshots of the email that the executive team sent to me about my stimulus checks being in the closed account. What a way to treat a consumer. So now I have to wait until they decide to send it back to the IRS or if their going to steal it. If you’re reading this can you find my funds. Thanx!
I respect the banking industry so much that I got XXXX XXXX in it. I am not a fool and this was an overt act of retaliation. But why did it take all of yall against me and I still got my money back?! That means, either their are people in the system that are good or consumers are more powerful than we think! I am not a fool. There is always more good. XXXX is never supreme and dont live long!
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: April 16, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information is missing that should be on the report
Full Complaint:
I had some Fraud Transaction from USAA and they kept telling me to call this number which I have over and over ( XXXX ) XXXX and then when i contact their direct manager they told me that they never gotten any voice mail???? isn’t that odd? at least try to call me back when i left you multiply message and you respond to that USAA but you couldn’t or don’t want to call me back, what the deal!!! COVID 19 is going around and USAA doesn’t care about helping nobody … .stop charging me with Fraud … ..I called you guys so many time … are you guys even working??? I even left you guys a message and you guys could only respond to that and kept telling me to call that XXXX XXXX XXXX number which i have so many time, just to find out that nobody want to pick up or call me back … ..so kind of company this is … and I should have done my research about this horrible company … I just hope everyone see this.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: April 17, 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: Incorrect information on your report
Sub-Issue: Account status incorrect
Full Complaint:
I am XXXX XXXX military personnel, I have my money deposited for my loan to be paid and USAA is to take the money out as scheduled on the 15 and 30 of each month. The money just sits in the account to be drafted on the specific date scheduled. I have spoke with representatives that are extremely rude, I have also tried to speak to a manager and the leadership refuses to speak with me as well. USAA takes the money out 3-5 days later when the account is lower than the loan amount and then reports to my credit the loan is being neglected which has taken my credit score down 70 points. As a military personnel I am unable to always call as to why my account is authorized for auto draft. These false reports is causing my superiors to be alarmed thinking I have a failure to maintain financial responsibility. I need someone to please assist me so I can continue to do my job in protecting our country with a clear state of mind.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Date of Complaint: April 17, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
Full Complaint:
see ID THEFT case XXXX CONFIRMS MY CARD END ( XXXX. ) {.00}, XXXX XX/XX/2019 OTHER CREDITS REVERSED?? see attatched USAA COLLECTION ATTEMPTS Account ( XXXX XXXX I HAVE NEVER SEEN OR USED OR AUTOROIZED THIS ACCOUNT EITHER. USAA HAS DESTROYED MY CREDIT.
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: April 16, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: April 16, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem caused by your funds being low
Sub-Issue: Bounced checks or returned payments
Complaint Tags: Servicemember
Response Type: Closed with monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: April 17, 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 DENIED ME MY RIGHT TO REPORT FRAUD ID THEFT XX/XX/XXXX. THERE ARE NO INVESTIGATIONS BEGUN XX/XX/XXXX. NO TEMP INVESTIGATION CREDITS TO BEGIN FRAUD INVESTIGATION. I complained XX/XX/XXXX statement What happened to XXXX fraud.?? see attatched transactiions XXXX USAA began fraud investigations with temporary credits. USAA REVERSED THESE CREDITS XXXX XXXX. ALL XX/XX/XXXX XXXX ARE DUPLICATE UNAUTHORIZED TRANSACTIONS {0.00} of XX/XX/XXXX -XX/XX/XXXX I REPORTED UNAUTHORIZED XX/XX/XXXX XXXX USAA DISMISSED MY FRAUD REPORT 1 ) See attatched XX/XX/XXXX statement FUTHERMORE WHICH Confirms NO TEMPORARY CREDITS TO BEGIN INVESTIGATION TO MAKE PERMANET 10 MONTHS LATER 2 ) see attatched FRAUD CLAIM DATE LETTER OF XX/XX/XXXX Confirming XX/XX/XXXX FRAUD CLAIM {0.00} * COMPLETED 10 MONTHS LATE. THERE ARE NO TEMP TO MAKE PERMANET. THERE ARE NO REFUNDED DUPLICATE TRANSACTIONS.
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.