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 24, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
Full Complaint:
I applied for a personal loan on the internet. I received a email and call from the company approved the loan. While on the phone with the company they already had my SSN, DOB and bank information. The company tells me not to check my bank account till they finish depositing the money into mu account. Then tell me to purchase something with my debit card. Next this i know all my money from my savings was taken using XXXX. I notified my bank of everything and they froze my account but they are claiming no fraudulent activity was done and i have to pay back my money that was stolen. They are saying that wrote bad checks and i need to pay them back so now my unemployment checks are being taken each week im not able to pay for anything including daycare for my daughter. My bank with USAA
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 24, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Managing an account
Sub-Issue: Problem making or receiving payments
Response Type: Closed with monetary relief
Public Response:
Company believes complaint is the result of an isolated error
Date of Complaint: June 25, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
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
Complaint Tags: Older American
Response Type: Closed with monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 25, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
Full Complaint:
Called on XX/XX/2020 to see why my XXXX deposit was placed on a 5 business day hold. This was money from my in-laws that have plenty of it. Why am I being treated like a criminal and not given access to my money on XX/XX/2020. Dispite telling them this i can’t get approved to use.
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 25, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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
Full Complaint:
XX/XX/XXXX the two credit cards used on line for deliveries ( I am XXXX XXXX needing supplies for survival ) XXXX & USAA both had UNAUTHORIZED TRANSACTIONS of {00.00} Not ordered from my phone IP Address & OR Items charged Not Delivered. XXXX XXXX Data Breach Confirmed my data was exposed. Mail fraud occurred see attatched CRIMINAL INVESTIGATION UNITED STATES POSTAL INSPECTION LETTER dated XX/XX/XXXX USPS ( DELIVERIES NOT MADE. ) See attatched FTC ID Theft case XXXX. * ( BANKS ARE NOT WCAG ADA 2.1 COMPLIANT PER FERERAL LAW* ) See Police Report. See XXXX Confirmation XXXX Reported Disputed NOT FIXED. XXXX ACCOUNT XXXX USAA ACCOUNT XXXX & USAA ACCOUNT XXXX ( Despite written requests, the unverified original signatures for deliveries made into my hands & signatures of contract application still remain on my credit report in violation of Federal Law. Federal FCRA Law requires a copy to be held on file. XXXX is required by law to VERIFY that this information is mine and correct having recieved items charged. In results of investigation you stated these items ” VERIFIED ” being ” REPORTED CORRECTLY “? ) Who verified these accounts? XXXX has Not provided me a copy of any original signatures deliveries made into my hands or contracts of application as required under SECTION 609 a1A & SECTION 611 a1A. Furthermore XXXX has ( failed to provide method of verification as required under section 611 a 7 ). XXXX please be advised under SECTION 611 5 A of FCRA – you are required to …. ” promply DELETE all information which can not be verified ” The law is very clear as to civil liability and remedy available to me ( SECTION 616 & 617 ) if you fail to comply. I DEMAND THESE ACCOUNTS BE VERIFIED WITH ORIGINAL DOCUMENTATION of delivery made into my hands and all application contract signatures. ** XXXX DATA BREACH OF XXXX NOT EXPOSED UNTIL XXXX PROBABLY CAUSED THESE BANK FRAUDS. PER XXXX BREACH SITE MY DATA IS ON DARK WEB FOR FUTURE FRAUD ALSO & XXXX HAS NOT PROVIDED ANY RELIEF OR RESTITUTION. MILLIONS AMERICANS WERE EXPOSED. WHY IS XXXX ALLOWED TO HARM SO MANY WITHOUT ANY REPERCUSSION OR RESOLVE? American CONSUMERS & BANKS LOSS BY XXXX IS NOT RESOLVED ( 3 ) THREE YEARS LATER. WHY ARE THEY ABOVE THE LAW? I AM XXXX ON XXXX XXXX AT HOME AMERICAN TAXPAYING CITIZEN OF XXXX YRS LOSS OVER {00.00} TARGETED BY PROFILE NO PROTECTION. & NOW VIRUS??
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 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
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 25, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Banking errors
Full Complaint:
I am currently engaged in resolving problems with my mother ‘s checking and savings accounts. I received ” notices ” from USAA dated XX/XX/20 and XX/XX/20 indicating that changes have been made to these accounts. I called USAA and spoke with USAA customer service to explain to me exactly what ” update account information ” was provided and updated. USAA was unable to give me an answer. I spoke with XXXX XXXX XXXX and discussed these letters and he indicated that the information I have been working with him to get updated was not the information to which these letters refer.
Complaint Tags: Older American
Response Type: Closed with explanation
Public Response:
Company believes complaint represents an opportunity for improvement to better serve consumers
Date of Complaint: June 24, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
Full Complaint:
On XX/XX/2020 I used my Checking account debit card to purchase airline tickets through XXXX. The flight was scheduled for XX/XX/2020 ; flying from XXXX XXXX, XXXX to XXXX XXXX, Texas. As a result of the Corona Virus pandemic the scheduled airline ( XXXX ) announced that they were no longer flying Internationally in late XX/XX/2020. We immediately notified USAA of the circumstances and asked that USAA charge back XXXX for the {0.00} USD that was charged to the debit card. USAA responded that we had not disputed the charge within 30 days of the transaction and had closed the dispute as a result. We contacted USAA on XX/XX/2020 and explained that the charge was for airline tickets and that it seemed appropriate to extend the time limit as tickets are often purchased in advance of travel. A USAA supervisor agreed and said that the dispute would be ” re-opened ” and we would hear from USAA within 10 days. On XX/XX/2020 we called USAA again and asked for a status of the dispute. USAA said that nothing had been done on the dispute but the ” dispute resolution team ” would contact us within 2 business days. On XX/XX/2020 we again contacted USAA as we had not been contacted and were told that this dispute had been closed on XX/XX/2020. We were told that ” nothing could be done ” because it had been more that 120 days from the transaction. We explained that we had had every intention of using the tickets until the airline cancelled the flight in XX/XX/2020 when we first contacted USAA in this regard and had contacted USAA immediately once the cancellation was announced.
We also contacted XXXX and asked for a refund. They stated that we had to wait until 14 days before the flight to verify that the flight was cancelled. We contacted XXXX 14 days before the scheduled flight and requested a refund per US Department of Transportation regulations for flights originating or terminating in the US. Their response was ” we are not offering refunds for cancelled flights ”.
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 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:
DECEPTIVE ( UN ) TRUTHFUL CREDIT LENDING STATEMENTS. MADE TO APPEAR LIKE ADJUSTMENT PURCHASES ( – ) with cute minus signs all listed above the total line are included in this figure. ( ** THEY ARE NOT INCLUDED IN THE TOTAL CREDITS APPLIED LINE UNDERNEATH ALL THE AMOUNTS LISTED ) ** They are LISTED ONLY See attatched USAA XX/XX/2019 Statement. Kindly Note the adjustment purchases temporary fraud credits NEVER ARE INCLUDED IN TOTAL CREDITS GIVEN they total {.00}, XXXX and ONLY {0.00} Total Credits APPLIED ** USAA TAKES CREDITS NEVER PROVIDED. see. XXXX TRANSACTIONS card XXXX SECURITY ADJUSTMENT ( OF ) REVERSED CREDIT {0.00} & $ {0.00} = ( {0.00} TAKEN BUT USAA NEVER GAVE ) then TRANSACTIONS card XXXX XXXX SECURITY ADJUSTMENT ( OF ) {.00}. & {0.00} TAKEN NEVER GIVEN USAA REVERSES CREDITS NEVER PROVIDED. Kindly Note USAA CREDITS NEVER APPLIED DECEPTIVELY MADE TO APPEAR AS CREDITS PROVIDED = All USAA adjustment purchases ARE BOGUS Kindly Note ONLY {0.00} TOTAL CREDITS APPLIED ( {.00}, XXXX CREDITS DECEPTIVELY HIDDEN INTERNALLY & MISSING {00.00} USAA CREDITS. )
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 25, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Struggling to pay your loan
Sub-Issue: Denied request to lower payments
Full Complaint:
I was impacted severely by the current pandemic, suffering severe medical issues and unable to make payments until now. I called in, requesting a payment plan to make the loan current and catch it up and even pay it off. I requested this under the CARES ACT which should have spared my credit report from being negatively impacted as well. USAA refused to allow me to bring the loan current and correct the negative reporting on my credit reports, refused to make any accommodations and requested I go online to file a credit dispute. However, my USAA online account was restricted by USAA previously and I’ve been unable to log on to make payents, see my account number, amount due or really do anything with the loan. I’ve always been required to call in to make payments during their business hours, which due to my health issues I’ve been unable to do. Now they are telling me, there’s nothing they can do the loan is charged off and there’s nothing I can do to protect my credit and make it current in accordance with the CARES ACT.
Complaint Tags: Servicemember
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.