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: June 21, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-Product: Mobile or digital wallet
Issue: Fraud or scam
Full Complaint:
I have been victim of an online rental scam. I was wondering if you can please assist in accessing the information including finding out the tracing the funds between XXXX and USAA to identifying owner of the XXXX number, I called XXXX and USAA refused to get involved without an official police report. Both banks have full details of the transaction, but would not act on it without a police report / local law enforcement involvement. Police precinct # XXXX in XXXX refused to take a civil case. Can you please help trace the funds at USAA so I can recuperate the money back? I can provide transaction details. XXXX XXXX claims department is XXXX.
I was interested in an apartment ( XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ) on XXXX in XXXX, XXXX XXXX XXXX with a XX/XX/2020 start date. I reached out to the owner ( XXXX XXXX XXXX ) via XXXX XXXX XXXX. Due to covid, the owner introduced himself and said he is unable to show the apartment in person. He mentioned he is currently in California and is renting out the place in XXXX. Due to covid, most sellers have been reluctant to show the apartment in person, so I can understand why. After several phone conversations ( XXXX – a XXXX number ), he said that I can see the apartment once I put down the security deposit of {0.00}, which was refundable if I do not like the apartment.
I spoke to the owner on the phone asking detailed questions about the property. I went to see the outside of the property to make sure the description matches his listing. He had promised that as soon as I sent the payment, he would send the key via XXXX overnight. In order to secure the apartment, on XX/XX/2020, I ultimately paid the {0.00} via XXXX at XXXX. He noted that this was his late wife ‘s account.
I had requested a tracking number, picture of contents of the envelope, and a photo ID. It’s been over 24 hours. He has not provided any of these items. I asked him to return the deposit, but he disappeared.
On XX/XX/2020, I told both XXXX and USAA that it’s a scam and hold the funds immediately, but they did nothing. They also refused to provide any information on the transaction. Under XXXX, there is no ability to reverse the transaction.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 19, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
Full Complaint:
My conplaint is ** USAA ‘s FALSE CREDIT DOCUMENTATION. ** see CFPB USAA Response XX/XX/XXXX XXXX-XXXX & XXXX-XXXX.USAA Confirms ** ( ” You reported fraud XX/XX/XXXX {0.00} plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {0.00} XXXX TOTAL {0.00} ” ) see attached XX/XX/XXXX CREDIT CARD FRAUD CLAIM {0.00} UNAUTHORIZED TRANSACTIONS. see attatched XX/XX/XXXX REVIEW OF YOUR CLAIM IS COMPLETE USAA Confirms ( **10 TEN DAYS LATER *No Fraudulent Activity Found After Review Your Claim. ** )?? Ten days eariler USAA CONFIRMED TO AUTHORITIES CFPB FRAUD {0.00} was REPORTED. USAA charged off this account DESTROYING MY CREDIT FALSELY. I discovered THIS ACCOUNT WAS OPENED FRAUDULENTLY WITHOUT VERIFICATION MY ACCOUNT.
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: June 19, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
Full Complaint:
Its been longer than 7years since this credit card been in collections. I want this account deleted from my credit report.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 19, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Funds not handled or disbursed as instructed
Full Complaint:
I booked a vacation to XXXX, XXXX though XXXX and was making payment on the trip. I made 6 payments using my USAA debit card in the amounts {.00} on XX/XX/2020, {.00} on XX/XX/2020, {0.00} on XX/XX/2020, {0.00} on XX/XX/2020, {0.00} on XX/XX/2020, {0.00} on XX/XX/2020. I was informed via email from XXXX towards the end of XXXX that all international trips had been canceled due to Covid-19 and that they has closed down their operation/call center. Bookit.com stated they could not issue a refund at this time and to work with my bank. I worked with USAA on this and they gave me a temporary credit. Few weeks later the credits were reversed so I called again, gave more information on the situation and was issued another temporary credit. Once again, a few weeks later the credits were reversed. I spoke to an agent with USAA and was informed more information was needed. They could not specific what exactly was needed. So I put together a document with links to the XXXX XXXX XXXX ( XXXX ) for XXXX, credible new articles stating customers are not receiving refunds, screenshots from XXXX websites stating they are currently closed and to work with my bank for a refund. After submitting all of this USAA is saying they still need more information but can tell me exactly what information is needed to issue me a refund. I paid for a service and that service was not provided.
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: June 19, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 19, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Can’t use card to make purchases
Full Complaint:
My Credit card is prepaid in the beginning. The problem I have is when ever I need to do a large purchase it ties up the card so I can not use it as pending. I can not put money on the card because it is not showing as being processed but It still reduces my ” available credit ” so that I can not use it. USAA says they can not do anything until the other companies process it but still prevent my from doing anything with it. It leaves it as taken but not? If it is Prepaid and sitting in a CD for them than how can they not approve it so that the card can be used. I had to pay on some car parts and now I cant do anything to fix my house because everything is sitting in bureaucratic limbo. They money is there, but now I wont be able to pay any bills or repairs that I have.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 22, 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: Getting a credit card
Sub-Issue: Card opened as result of identity theft or fraud
Full Complaint:
see CFPB XXXX XXXX XX/XX/XXXX & XXXX XX/XX/XXXX CFPB RESPONSES USAA DISMISSED COMPLAINTS ( ** Two Fraudulent Credits Cards Opened in my name. ) Using my USAA PROFILE. USAA DENIES IN CFPB RESPONSES. See attatched 1099-C CANCELLATION OF DEBT Account MC XXXX XX/XX/XXXX. THIS IS THE ONE AND ONLY CREDIT CARD I HAVE OPENED WITH USAA. SEE attatched USAA XX/XX/XXXX Confirmation Settlement card XXXX XX/XX/XXXX. Kindly Note the VERY NEXT MONTH XX/XX/XXXX AFTER THIS WAS SUPPOSED TO CLOSE TWO NEW CARDS OPENED A MC END XXXX & A VISA END XXXX. USAA used my private data in my profile from this account to OPEN TWO FRAUDULENT CREDIT CARD ACCOUNTS IN MY NAME. see Attatched Statement ( MC end XXXX {0.00} ) THIS WAS OPENED WITHOUT ANY VERIFICATION IT WAS ME. NO SIGNATURE NO DRS LICENSE NO AUTHORIZATION OR APPLICATION FROM ME. see attatched XX/XX/XXXX CREDIT CARD FRAUD CLAIM {0.00} DATE XX/XX/XXXX card VISA end XXXX. I DID NOT APPLY SIGN FOR OR AUTHORIZE THIS ( VISA CARD ENDING XXXX ) EITHER. TWO OPENED BY USAA FRAUDULENTLY using my private profile data. USAA DENIES ANY FRAUDULENT ACTIVITY. NO USAA PERMANET CREDITS WERE PROVIDED. USAA REVERSED {00.00} of Merchants Credits USAA never provided.
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: June 22, 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:
USAA STEAL MERCHANTS CREDITS. I reported {0.00} FRAUD XX/XX/2018 AND NEVER RECIEVED USAA FRAUD CREDITS. USAA CONFIRMS NO FRAUD ON THIS ACCOUNT. See attatched No Fraudulent Activity Found After Review of Your Claim XX/XX/XXXX, XXXX see attatched Statement XX/XX/18 my payment {.00} & {.00} {.00} {.00} {.00} {.00} {0.00} MERCHANTS CREDITS POSTED. Kindly Note ( * TOTAL PAYMENTS AND CREDITS FOR THIS PERIOD {0.00}. * ) Kindly Note ALL usaa SECURITY ADJUSTMENT ( OF ) ‘s usaa Reversals of Merchants Credits. Kindly Note statement New Purchases {0.00} usaa REVERSED ALL MERCHANTS CREDITS POSTING THEM AS NEW PURCHASES. USAA PROVIDES NO PERMANET FRAUD CREDITS REVERSES MERCHANTS CREDITS LEAVING ME WITH FRAUD THAT THE METCHANTS PAID.
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: June 22, 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:
NO USAA PERMANET FRAUD CREDITS PROVIDED. see Review XX/XX/XXXX. USAA fraud department decided it was not fraud. See attatched XX/XX/XXXX Statement. XX/XX/XXXX XXXX credited {0.00} & XX/XX/XXXX XXXX credited {0.00}. See TOTAL PAYMENTS CREDITS THIS PERIOD {0.00}. NO USAA CREDITS. ALL MERCHANTS CREDITS. Kindly Note, XX/XX/XXXX SECURITY ADJUSTMENT ( OF ) ** A USAA REVERSAL OF CREDIT. {0.00}?? {0.00}?? card XXXX. These MERCHANTS CREDITS WERE CREDITED XX/XX/XXXX. These are NOT USAA CREDITS. card XXXX XX/XX/XXXX {0.00} usaa reversal of credit SECURITY ADJUSTMENT ( OF ) This was paid by XXXX XX/XX/XXXX. See XX/XX/XXXX {0.00} & {0.00}. SECURITY ADJUSTMENT ( OF ) usaa reversal of credit This was just paid by XXXX XX/XX/XXXX of same month?? Again USAA PROVIDED NO CREDIT NO FRAUD ON ACCOUNT. USAA REVERSES MERCHANTS CREDITS. IF NO FRAUD & NO CREDITS WHY DOES USAA GET TO TAKE MERCHANTS CREDITS LEAVING ME WITH FRAUD??
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: June 19, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
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:
Two years ago on my USAA account not only was my checking account I had theough them fraudlantly used but so was my credit card. There was suddenly a {00.00} payment from an unknown source to my account which they USAA originally credited to my account. When I questioned it and what was going on it suddenly became my responsibility as they couldnt figure it out or give me a straight answer about it. My account was closed by USAA and I was not informed therefore had no way of paying anything on my account. Finally paid off the balance minus the XXXX and kindly told them I was not paying what was not my responsibility and what I did not agree to. It has been going on for two years and now they have flagged my account as not paid for over thirty days. I have no account through them anymore and no way to pay either as I have no access to my mobile banking which is a direct pay. They closed it off to where I could no longer pay. Then they are charging fees to the balance of which is not mine. I will not be paying and do not appreciate this going against my credit as it is not my fault and they have not solved the issue for over two years. I will not pay any extra fees either. I have discussed this with them and they have done nothing but say the same old story that they cant figure it out so its my responsibility. When they are the ones that allowed it to happen to my account. Its fraud on their part.
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.