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 30, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Mortgage
Sub-Product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Full Complaint:
I have pulled my credit report from all three credit companies. XXXX XXXX, XXXX XXXX, XXXX XXXX ( XX/XX/2020 ). These credit scores came from Annual credit Report Request Services. In getting a mortgage for a home ( FICO ) USAA credit pulled ( Annual Credit Report Request Service ), XXXX XXXX, XXXX XXXX, XXXX XXXX ( XX/XX/2020 ). It’s being report on my FICO credit report serious delinquency. The information from my credit report doesn’t report serious delinquency so, where is the FICO score getting their information. I am a XXXX retire veteran who is concern. USAA and others gives you know dispute process or any understanding of why the scores are so different. In, fact, I have never been late before are during my chapter XXXX. I only filed Chapter XXXX because, of my divorce that landed me in jail in which, I was acquitted, and the Maryland supreme court overturned. I have personal credit with USAA and I have never been late on any payments.
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: June 26, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Checking or savings account
Sub-Product: Checking account
Issue: Closing an account
Sub-Issue: Can’t close your account
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 29, 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: Problem using a debit or ATM card
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: June 29, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Mortgage
Sub-Product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Full Complaint:
On XX/XX/2020, We submitted a Mortgage Application with one of USAA Loan representatives. at that time we were told that we were not approved due to XXXX XXXX middle credit score was 2 points less than required.
Because of the information in the credit history, it is very important to review the credit information that is being furnished to make sure it is accurate, that’s exactly what we did and discovered that there was inaccurate information reported on all three credit files. ITEM WAS DEPUTED and removed.
On XX/XX/2020, we requested and application report to check XXXX XXXX Score to assure a required status. At that time We were told that XXXX XXXX score was not Significant enough to fit the required score to qualify for a Mortgage Loan.
XXXX did not ask to have a credit application re- pulled because a credit report is good for 90 days. I was told that my middle score was to low.
On XX/XX/2020 XXXX XXXX middle score was XXXX.
On XX/XX/2020 XXXX XXXX middle score was XXXX.
( unexplainable ) One again we were asked to contact at three Credit Agencies.
We did that and discovered that XXXX had no record of USAA ever inquiring of a credit file. Unexplainable.
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 29, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-Product: Title loan
Issue: Problem with the payoff process at the end of the loan
Full Complaint:
I filed Chapter XXXX Bankruptcy on XX/XX/XXXX and it was discharged successfully on XX/XX/XXXX ( Case No. XXXX : XXXX ). I had a truck loan from USAA which was also included in the chapter XXXX BK. However, USAA bank currently has a lien on my title stating that I owe over {00.00}. The employee I spoke with from USAA ‘s Bankruptcy Department stated that he has information that the loan has been discharged but also states that I owe over {00.00} and needs to review it with his team. I stated that my ch.XXXX BK has been discharged since XX/XX/XXXX and it even shows on my credit that my XXXX XXXX XXXX has been paid off in the bankruptcy and I owe nothing. I was a member of USAA for over 20 years because they used to be a great company. Nevertheless, as time went on they became very corporate and their customer service and policies became very poor and dissapointing by putting lifelong members at a disadvantage with no incentive to keep using their services, even as a veteran. I no longer use USAA for any service and this experience is just another example of why I am no longer a member with USAA.
Attached is my ” Discharge of Debtor After Completion of Chapter XXXX Plan ” showing proof of all USAA loans being discharged.
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 29, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Closing on a mortgage
Full Complaint:
We were supposed to close on the XXXX of XXXX but USAA kept making excuse as to why the closing had to be delayed. They would ask for More documents Almost everyday despite us providing all documents required for the loan. So the closing date was pushed to XX/XX/XXXX. And i do not believe they are honoring their contract by this date. No call or informing the title company of this action. They are breaching their contract with us. On XX/XX/XXXX they sent us the closing disclosure but since then no action has been made. They have made us pay for an appraisal, made us obtain wind, hail and homeowners insurance to be effective on XX/XX/XXXX.
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 29, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-Product: Domestic (US) money transfer
Issue: Fraud or scam
Full Complaint:
After being aware of being scammed use of XXXX as a money transfer service through my bank USAA I filled a dispute. I thought by using XXXX as the USAA app has it on their service that I was offered protections. Apparently I am not and USAA will do nothing at all even after being a member for over 10 years with multiple services from them. All they can say is Im sorry. They never kept in up to date with the dispute I had to contact them every time. And even after they denied my claim they still did not inform me.
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 29, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
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 monetary relief
Date of Complaint: June 29, 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 IDTheft Department is Not Open on Weekends or at Night When Most Theft Occurrs. Reporting IDTheft Timely is NOT AVAILABLE. Criminals Do Not Sleep. USAA DOES NOT PROVIDE ACCESS FOR ADEQUATE PROTECTION.
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 27, 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: Account status incorrect
Full Complaint:
See attatched EXPERIAN CREDIT REPORT BY USAA. # XXXX XXXX XXXX XX/XX/XXXX Account Number does Not match. See circled USAA ( *Account XXXX ) Opened XX/XX/XXXX I DID NOT OPEN THIS FRAUDULENT ACCOUNT .See attatched 1099- C USAA CANCELLATION OF DEBT Account ( XXXX ) XX/XX/XXXX never closed. Two New Accounts opened Fraudulently WITHOUT ” VERIFICATION ” OR AUTHORIZATION See attatched new account Mastercard Statement ( XXXX XXXX XXXX XXXX ) of XX/XX/XXXX {0.00} balance. I DID NOT OPEN THIS CREDIT CARD. see attatched CREDIT CARD FRAUD CLAIM claim date XX/XX/XXXX {0.00} card XXXX UNAUTHORIZED TRANSACTIONS OCCURRED. I DID NOT OPEN THIS CREDIT CARD VISA XXXX. SEE Attatched USAA CREDIT CARD I REFUSED NEVER ACTIVATED ( *Account XXXX ) I DID NOT OPEN THIS CREDITCARD ACCOUNT.
AGAIN USAA ACCOUNT NUMBERS KEEP CHANGING ( a. XXXX, b. XXXX, c. XXXX, d. XXXX )??? ** KINDLY NOTE FOUR DIFFERENT ACCOUNT NUMBERS. I DID NOT APPLY FOR AUTHORIZE OR OPEN ANY CREDITCARD AFTER XXXX.
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.