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 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:
I paid XXXX by check and advised them i would not use my USAA Visa credit card. I gave them a check for {0.00} dollars .I then called XXXX XXXX ( XXXX ) XXXX XXXX EMAIL XXXX because they charged my credit card and i never gave them my card. If you XXXX complaints about XXXX you will find many complaints about them. I am XXXX and not demented at all. XXXX said you did give me your credit card. I then emailed him all of the complaints about XXXX.
I have a USAA Visa credit card and i wrote a detailed complaint. USAA ‘s computer bounced it back at me stating ” it is too lengthy. I then received a letter saying that my dispute was denied because i did not give them enough information. I then wrote a letter to the CEO Mr. XXXX he had XXXX XXXX ( XXXX XXXX XXXX ) Customer Advocate EXT.XXXX. You must say ” extension ” after the options end.
call me. She argued the The Fair Credit Lending Act did not apply to this case. I then discussed this with my banker and she said that usually THE MAX one should be paid per The Law and usually it was nothing.
I called back XXXX and she said ” they do not think your case is valid ” .The ” they ” remained confidential. She stated i owed USAA Visa {0.00}. I see both XXXX ( i reported them to Florida State Attorney general ) and XXXX as scamming a senior citizen. In Florida that is a 3rd degree felony punishable by a {000.00} fine and up to 5 years in jail. I am reporting USAA Visa because when i XXXX USAA complaints i found a flood of complaints. I have been a USAA card holder for many years. I am a retired XXXX XXXX XXXX XXXX XXXX with decades of service. I ask for you help with this problem because if i do not pay the {0.00} they will damage my credit.
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: May 18, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
Complaint Tags: Older American
Response Type: Closed with non-monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: May 18, 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:
XX/XX/2019 I called auto phone line ( OPEN TO PUBLIC ) Requesting. AS A MEMBER assistance in REMOVING MY BANK INFO IN MY PROFILE * I WILL NOT BE PAYING ON THIS ID THEFT case XXXX ANYMORE. I spoke with usaa rep XXXX XX/XX/2019. USAA SUBMITTED A PAYMENT XX/XX/2019 ** I NEVER AUTHORIZED OR VERIFIED PAYMENT FOR ID THEFT DEBT. This is against Social Security Act section 207 BANKS FORBIDDEN TO COLLECT SOCIAL SECURITY FUNDS FOR DEBT. XXXX & Social Security RETURNED PAYMENT. I WENT EIGHT DAYS NO FOOD MONEY NO RENT MONEY. I NOW HAVE OVERDRAFT CHARGES IN MY XXXX ACCOUNT. ** I DEMAND WRITTEN DOCUMENTATION I AUTHORIZED WAS VERIFED TO POST THIS PAYMENT FOR THIS ID THEFT ACCOUNT OVER {00.00} XX/XX/2019.!!!
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 15, 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: Fees or interest
Sub-Issue: Problem with fees
Full Complaint:
I am contacting you in reference to USAA XXXX who is the subject of this complaint. It is believed that USAA for a period of more than 5 years as a customer of its bank has engaged discriminatory business practices that involve the denial of credit when other credit cards companies have offered me unsecured lines of credits on the same day that I requested credit from the bank. I have in my possession a credit card that started out as a secured credit card valued at {0.00} with another military bank which has grown to over {000.00} compared to USAA who has not approved an unsecured credit card while as a member. Even worse USAA is the only bank that charges me an annual fee for a secure credit card. The credit cards that I own that have that started as a secured card have been automatically been made unsecured by another military bank. While USAA has refused to approve any lending products as a member for over 5 years. I have asked on numerous occasions and even complained about their unfair business practices to their customer service team with no resolution.
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 15, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Full Complaint:
We were approved for a conventional loan for a single-family home on acreage, only to be told two weeks prior to closing that the mortgage company would not be able to fund the loan given the property type. During the mortgage application process, we disclosed the property was a modular home on a permanent foundation ( as described on the listing ), and there was no mention of the possibility that the lender may not be able to proceed until the appraisal was ordered and submitted. The appraiser was not even able to upload the appraisal, without the appropriate form needed — as it was determined to be a ” manufactured ” residence. Several days passed with no word from the mortgage company in regards to the status of being able to proceed, as they scrambled to pull the tax records on the property ( what they should have done previously ) and review their own lending policies only to arrive at the decision that they could NOT provide the loan. Devastated by the news that we would have to seek out another lender in the eleventh hour and plead for an extension due to this enormous oversight — we requested a refund for the appraisal, as it should not have been ordered in the first place if the several loan officers we spoke with had done their due diligence. They responded by blaming our real estate agent, denying that we had provided advance notice of the property type to the initial loan officer ( after only pulling one phone conversation of several ), and stated that a refund was not in order as it would violate ” Fair Lending ” laws and regulations. We wasted several precious days waiting for USAA to piece together their story in radio silence — only getting bits and pieces of elusive responses when saturating them with calls and emails. The complete lack of professionalism, courtesy, and general competency was beyond infuriating. We should have been made aware of their inability to do business much sooner, and are incredibly disappointed in the lack of attention that has cost us our time, money, and possibly, our house.
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 16, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-Product: Domestic (US) money transfer
Issue: Fraud or scam
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: May 18, 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: Cashing a check
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: May 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: Fees or interest
Sub-Issue: Problem with fees
Full Complaint:
See attatched XX/XX/2019 USAA statement. First page CONFIRMS CREDITS XXXX {0.00} {0.00} {0.00} XXXX {0.00} Next page Continues with $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX ( TOTAL CREDITS SHOWN with minus signs above total line FOR THIS PERIOD IS TRUTH ** IS AN INCORRECT TOTAL OF THESE CREDITS. CORRECT TOTAL IS {.00}, XXXX. WHY IS USAA IS MISSING {.00}, XXXX CREDITS. USAA TOTAL CREDITS THIS PERIOD ARE ONLY {0.00} all merchants credits. THIS IS INCORECT MATH. THIS IS SUPPOSED TO BE A ** TRUTH IN LENDING STATEMENT. USAA DECEIVES. ( USAA ONLY PRETENDS TO GIVE CREDITS BY LISTING THEM ) ** Kindly Note with cute little ( – ) MINUS SIGNS that ARE NOT INCLUDED IN TOTAL CREDITS. Then REVERSES MERCHANTS CREDITS AS USAAs LEAVING CONSUMERS WITH THE ORIGINAL FRAUD AS IF MERCHANTS CREDIT WAS NEVER PROVIDED. HUH?? USSA POSTS A NEW TRANSACTIONS FROM CREDITS NOT APPLIED??? HOW DECEPTIVE??!!! THIS IS NOT TRUTH IN LENDING FAIR 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: May 16, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Old information reappears or never goes away
Full Complaint:
USAA keeps correcting the balance I owe them on my credit report then putting it back on my credit report. They have been doing this for years when the debt has been paid in full. They are still reporting it as a current debt and keep refreshing it like it is a new debt. I want the debt removed from my credit report and I want USAA blocked from reporting on it ever again as I do not do business with them for this very reason and have no intentions of ever returning as a customer again after this poor management of my accounts.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Date of Complaint: May 15, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Problems at the end of the loan or lease
Sub-Issue: Problem with paying off the loan
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.