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: May 27, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
Full Complaint:
I have an account with USAA and they have decided to end my banking relationship with them because of another non-bank related product issue. They were to close my account within 30 days of XX/XX/2020. As of today, XX/XX/2020 and being physically here at the branch in XXXX XXXX to withdraw my funds I am being told I still have to wait. My bills and other obligations have now gone seriously delinquent and may cause me to get evicted and Utlilities terminates because I can not access my funds.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: May 27, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Debt collection
Sub-Product: Other debt
Issue: Written notification about debt
Sub-Issue: Didn’t receive notice of right to dispute
Full Complaint:
In early XXXX late XX/XX/2019 I had closed my secured credit account with the help of an USAA teammember. This was during the California fires and the secured card which was connected to a CD that was already done. She said lets close this and see if you have any refund that can help you get your funds back from your deposits. She said that it was nothing extra so she just closed the account and offered other services. I didnt owe them anything because it was always based on my deposit amount.
Complaint Tags: Servicemember
Response Type: Closed with monetary relief
Public Response:
Company believes complaint is the result of an isolated error
Date of Complaint: May 26, 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: Collected or attempted to collect exempt funds
Full Complaint:
XXXX ) USAA REVERSES MERCHANTS CREDITS Leaving consumers liable for fraud when they are supposed to be no liability. USAA FABROCATED FRAUD I DID NOT REPORT reversing merchants credits on returned goods. See attatched XX/XX/XXXX FRAUD CLAIM INVESTIGATION RESULTS ( ** I did NOT REPORT FRAUD ON {0.00} XXXX RETURNED ITEM ) USAA FABROCATED THIS FRAUD. Kindly Note The credits we deposited at beginning of the investigation have been reversed??? See attatched XXXX XX/XX/XXXX statement CLEARLY THERE ARE NO USAA CREDITS TO REVERSE. THERE ARE ONLY. MERCHANTS CREDITS. See attatched FRAUD CLAIM RESULTS XX/XX/XXXX {0.00} XXXX XXXX ** ( I DID NOT REPORT THIS RETURNED ITEM AS FRAUD. ) Again see XX/XX/XXXX statement attatched THERE ARE NO USAA CREDITS TO REVERSE. THERE ARE ONLY MERCHANTS CREDITS. XXXX ) See attatched CREDIT CARD FRAUD CLAIM of XX/XX/XXXX completion of fraud CLAIM DATE XX/XX/XXXX {0.00}. Again see attatched XX/XX/XXXX statement. {0.00} FRAUD I REPORTED ** CLEARLY DOES NOT INCLUDED {0.00} XXXX XXXX OR {0.00} USAA HAS CHEATED ME HOLDING ME LIABLE USAA HAS PROVIDED NO FRAUD CREDITS I AM DUE {0.00}. SHAME ON USAA UNEARNED FRAUD INCOME.USAA HAS ALSO LIED ON MY CREDIT REPORTING I REPORTED FRAUD ON RETURNED GOODS DESTROYING MY CREDIT SLANDERING MY GOOD NAME FOR THE SAKE OF UNEARNED XXXX ) USAA XXXX NOT RESOLVE FRAUD TIMELY!! Kindly Note CREDIT CARD FRAUD CLAIM LETTER OF XX/XX/XXXX ** IS COMPLETING INVESTIGATION OF XX/XX/XXXX. IT TOOK USAA A YEAR JUST TO COMPLETE INVESTIGATION AND XXXX YEARS LATER USAA STILL HAS NOT PROVIDED THESE FRAUD CREDITS DUE ME 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: May 27, 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: Other features, terms, or problems
Sub-Issue: Other problem
Full Complaint:
XXXX XXXX WILL CLAIM THIS IS DUPLICATE LIKE THEY DO WITH ALL COMPLAINTS SO I WILL NOT INCLUDE THEM. When things open back up I will follow up. See attatched FTC IDTHEFT case XXXX CONFIRMING NO ACCESS USAA & XXXX XXXX TO NO AVAIL. ** I followed all Government Guidelines for FRAUD ON ACCOUNTS TO NO AVAIL. NEITHER BANK FOLLOWED STATUTES for FTC ID THEF. Banks do NOT!! Banks do NOT PROVIDE ACCESS to my XXXX XXXX & XXXX XXXX XXXX. What are the WEB ADA GUIDELINES? ( What Watchdog Agency oversees ADA Access to Financial Services On Line?? ) WHAT ARE ADA ON LINE LAWS TO PROTECT? TODAY ‘S World IS ALL ON LINE. XXXX PEOPLE MATTER!! ( ** USAA & XXXX HAVE A FINANCIAL RESPONISBILITY TO PROVIDE ACCESS. ) I Request USAA & XXXX SEND SPECIFIC ( everything needed to hook up ) INSTRUCTIONS FOR ACCESS. ie What tech EQUIPMENT is required? What ADA tools Available for Access XXXX XXXX XXXX? Please send to my home address on file. WITH BRICK & MORTOR STORES GONE IN NEW AMERICA XXXX NEED NEW ADA LAWS ACCESS ON LINE GUIDELINES FOR ACCESS TO ALL FINANCIAL SERVICES. Able Bodied Work from Home Citizens Now Scream for Access XXXX HAVE BEEN DENIED.
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: May 26, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Getting a loan or lease
Sub-Issue: Fraudulent loan
Full Complaint:
In XXXX of XXXX, Usaa bank and their ” perferred partner ” XXXX XXXX XXXX pushed through a loan on a truck that was falsely advertised and in the contract was stated as a limited when it is infact not. The original loan assessor had declined the loan stating the vehicle was not at value and did not have advertised items. After 24 hours and a conversation I was not priviledge to the loan officer and the sales associates came to an agreement and the loan was granted. I became extremely skeptical about this but a new loan officer was attached to my account and I was sold a truck that is not what the sales company stated it was inorder to get the loan approved I believe the loan officer and the salesman came to an arrangement on the contract allowing it to go through. The truck is worth maybe 2500 in current condition and I am stuck with a XXXX loan. This loan was based on the trucks condition of good or very good when at best its poor. Stated there would be a new timing belt which couldnt be verified due to replacement sticker not being on case and without opening the case I’m having to trust their word. The lift was done incorrectly the power steering rack doesnt operate correctly, does not run perfectly, had tears in seatbelts, there isnt a tow package on the vehicle which was stated in thr loan, non alloy wheels, no bluetooth XXXX, and basically 80 % of the actual advertised truck condition was a lie.I tried asking what changed and why they approved the loan when I realized they forged documentation stating the truck was limited and it most certainly isnt. I havent been able to get either company to take responsibility and they both stated to take them to court.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Date of Complaint: May 26, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
Full Complaint:
This complanit is about how upset and concerned I feel about not receiving anu response from USAA Savings Bank. Back on XXXX, I sent them a dispute letter with all the proper documentation. I havent received any response or acknowledgment of my dispute.
The involved accounts are : 1 ) account # XXXX, opened date XX/XX/XXXX original balance {00.00}. 2 ) account # XXXX, opened date XX/XX/XXXX, credit limit {000.00}.
USAA is being negligent, unfair, and has committed some other violations to the FCRA, such as inconsistent credit reporting across bureaus, and reporting inomplete information. They have also failed to do the propeer investigation on this case, which looks like is not even a case for them.
I am demanding the removal of the mentioned accounts.
Thank you very much, CFPB.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: May 26, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
Full Complaint:
I have contacted USAA and with no resolution. I have also filed a previous complaint with CFPB and in return, USAA continues to call me 3-4 times a day harassing me with voicemails. I have spoke to several representatives from USAA and again, with no resolution, they keep telling me that theres nothing they can do, but yet continue to harass me several times a day with phone calls and voicemails. When I spoke with them, all they did was look for reasons to disregard the financial issues that took place, as well as the worldwide pandemic ( COVID-19 ) that also caused so many people to lose their jobs, including myself. Their complete disregard for these matters and continuance of trying to collect payments is inexcusable. Not only do they harass me with their phone calls, but the damage to my credit report is irreversible, the damage has been done, and further action needs to be taken.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: May 26, 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: Incorrect information on your report
Sub-Issue: Information belongs to someone else
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: May 27, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
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
Full Complaint:
On XX/XX/XXXX my USAA checking and savings account was hacked and {0.00} was taken out via a XXXX transaction. The individual also attempted to open a credit card in our name but was denied. We discovered the issue within hours and called USAA to report it. The next day I was sent a message saying that no fraudulent activity was discovered and my claim was denied. I called back and asked for more information but was told I would have to have the fraud analyst call me within 3-5 business days. I never received a call and everytime I call USAA back they cant explain why no one has called me back and they tell they will resubmit the request and to wait another 3-5 business days. We have never used XXXX with USAA and did not authorize the transfer or attempt to open a credit card.
As of XX/XX/XXXX we have no explanation of why the claim was denied and no recourse to take with USAA. The electronic fund transfer act clearly states that we are not liable for the loss of these funds. USAA will not explain their decision to us so far.
Complaint Tags: Servicemember
Response Type: Closed with monetary relief
Public Response:
Company believes complaint is the result of an isolated error
Date of Complaint: May 26, 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:
See attatched CREDIT CARD FRAUD CLAIM LETTER dated XX/XX/XXXX. UNAUTHORIZED TRANSACTIONS {0.00}. ( USAA HAS HELD ME LIABLE FOR THIS FRAUD ) see attatched CFPB response XX/XX/XXXX XXXX XXXX determined you reported total fraud {0.00}. WRONG AGAIN see attatched CREDIT CARD FRAUD CLAIM LETTER {0.00} ** IS THE TOTAL FRAUD I REPORTED XXXX XXXX with MERCHANTS CREDITS OF {0.00}. Only {0.00} REPORTED?? SO WHY DID USAA HOLD ME LIABLE FOR THIS {0.00}. see attatched XX/XX/XXXX statement for review CONFIRMS ONLY {0.00} COULD HAVE BEEN REPORTED FRAUD. XXXX XXXX {0.00} & XXXX {0.00} MERCHANTS CREDITED. AGAIN WHY WAS I HELD LIABLE FOR THIS FRAUD OF XX/XX/XXXX {0.00}???
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.