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 6, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
Full Complaint:
See XX/XX/XXXX USAA CREDIT CARD FRAUD CLAIM date XX/XX/XXXX INVESTIGATION COMPLETED ALL ** UNAUTHORIZED CONFIRMED A YEAR TOO LATE. NO Permanet Fraud Credits were provided by usaa. See also attached Mail Fraud Criminal Investigation Letter of USPS NON DELIVERIES US Postal Inspection Services XX/XX/XXXX. When no permanet credits were provided by usaa I requested a review. See attatched usaa statement of XX/XX/XXXX ADJUSTMENTS TO ACCOUNT ( NO DOCUMENTATION OR EXPLANANTION WHAT FRAUD TRANSACTIONS DATES THIS IS ADJUSTING. ) See attatched XX/XX/XXXX, XXXX REVIEW OF YOUR CLAIM IS COMPLETE. No Fraudulent Activity Found?? After Review of Your Claim.?? How could that be true? USAA LEAVES CONSUMERS WITH FRAUD UNRESOLVED. After reseaching transactions months later I discovered I DID NOT OPEN THIS ACCOUNT. USAA KNOWS THIS IS FRAUD AND HAS DESTROYED MY 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: June 8, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
Full Complaint:
On XX/XX/2020 I have made two payments on my USAA credit cards.
The two payments were completed on XX/XX/200 and the amounts were respectively : {0.00} payment for one USAA credit card {0.00} payment for the second USAA credit card.
Both payments were processed by UNFCU card ( please refer to attachment ) on XX/XX/2020 The {0.00} payment was received and processed by USAA on XX/XX/2020.
The {0.00} payment was NEVER processed by USAA.
I called USAA o Saturday XX/XX/2020 and explain the above cited concern that I have made two credit card payments on XX/XX/2020 and only one payment has been processed and the second payment was not.
The person at USAA stated that I need to wait up to 10 business days for my payment to be processed.
Well, it seem to me that USAA is holding the funds for no reason.
Why the first payment was processed and the second one was not?
Please refer to attachments.
Now the USAA credit card payment due date is approaching on XX/XX/2020 and if USAA does nor process the payment, then I must pay the credit card one again on XX/XX/2020.
I would appreciate receiving your assistance in contacting USAA and request them to process the payment and stop holding the funds.
Thank you.
XXXX XXXX XXXX
Response Type: Closed with explanation
Date of Complaint: June 6, 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:
I have a USAA Visa card .On XX/XX/XXXX XXXX arrived at my house and to treat my house for for termites. They asked for a credit card and i advised them i would pay by check because we have a hacking epidemic in America .I gave them the check for {0.00}. They treated the house in a very unsatisfactory fashion. Several days later i called another local termite company and they showed up with a 5 ton truck loaded with chemicals under pressure vs. XXXX hand held squirt can. I now new soemthing was definitely wrong. I paid the 2nd contractor {0.00}.
On XX/XX/XXXX i checked my credit card and found that XXXX had charged my credit card that i had never given them. I immediately called my credit card company USAA Visa and reported the fraud. If you google complints about XXXX you will find many complaints. One day later i was called by XXXX supervisor in XXXX and asked for an additional {0.00} dollars. Yesterday i receivedfor $ XXXXI have emailed XXXX XXXX XXXX XXXX., phone # XXXX XXXX XXXX XXXX – XXXX. The articles on=btained on the google search will demonstrate this is how XXXX does business. In the last quarter of XXXX they were successfully sued for {.00} million dollars.
I filed a complaint with USAA and received a letter back ( XX/XX/XXXX ) that i had not provided enough information. During the process of filling the complaint out i was very thorough. Their computer system booted it back at me saying my info was too lengthy.
I then wrote a letter to XXXX XXXX CEO of USAA. He never replied. I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( you must say ” extension to connect with her ) on behalf of the CEO. She was advised i never gave XXXX the credit card. She then called me back twice only for me to repeat ” I never gave XXXX my credit card ”. She then advised i would be billed any way despite XXXX awful reputation i referred her to via XXXX. By then i had spoken to my banker and was advised that The Practice in Credit Act limited my liability to {.00}. I spoke with XXXX and she insisted i would ne billed. Not only did USAA bill me but charged interest 2 days ago. I never received a written explanation of their findings. Their first letter stated i had not provided enough information BUT THEIR WON SYSTEM DENIED THE EXTENSIVE REPORTING I HAD SUBMITTED.
USAA system is responsible for denying me.
In conclusion, i am trapped between 2 Goliaths. I want the {0.00} charge by USAA removed ( Dispute # XXXX ) and XXXX should be investigated for fraud.Fraud in Florida is upon a person ageXXXX or greater is a 3rd degree FELONY. Should you want my phone number email and i will provide it. At age XXXX this has caused me a great deal of stress.
XXXX XXXX XXXX XXXX XXXX XXXX, Florida
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 8, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AP
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
Full Complaint:
On or around XX/XX/2020 when I attempted to use my online Banking with USAA Bank, a questionnaire ” popped up ” stating information was missing or needed updating. I have been a customer with the bank for over 15 years. The questions included asking what my net worth was and what my annual income was. It was stated that the questions were required as compliance with the ” Patriot Act. ” I stopped and did not finish the questionnaire as I felt it was getting too personal and an attempt at gathering marketing information. I called the bank and asked about the questionnaire and they told me again it was required due to the patriot act. I told the bank I had been a customer for over 15 years and I have nothing changed in the last few years and all this information had previously been provided. I asked why now I was being asked and the representative on the phone said I must have done something to trigger the questionnaire. I said I have done nothing.
I followed up with emails on XX/XX/2020 ; XX/XX/2020 ; and XX/XX/2020 ; and asked each time what triggered the action. The contact site said they would respond back within 24 hours. I have not been responded to even once. I read the patriot act and it does not require my net worth or my annual income to be revealed to the bank. I feel I should be allowed to know what has triggered this action at the very least. Because I will not answer their personally intrusive questionnaire, I am unable to access the history and actions in my account to verify no charges are made on my account that I did not make. I am now being threatened with the closure of my account.
Please let me know what exactly the Patriot Act requires a bank to gather.
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 7, 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:
XX/XX/XXXX I phoned usaa spoke to FRAUD DEPARTMENT rep. XXXX. ( No ACCESS ON LINE ADA NON COMPLIANT WEB on hold 23cmins to reach rep. ) to Discuss attatched XX/XX/XXXX usaa Letter CONFIRMING NO FRAUDULENT ACTIVITY FOUND AFTER REVIEW. My question after 45 min wait to pull up letter was WHY ARE USAA REVERESING MERCHANTS CREDITS?? He said they only do that IF MERCHANTS ALSO SENDS CREDIT. My response, Yes, And??? WHY REVERSE THE MERCHANTS CREDIT PAID to COVER FRAUD ** USAA CONFIRMS DID NOT EXSIST???? … AND dial tone in my ear. USAA DOES NOT RESOLVE FRAUD.USAA HANGS UP ON CONSUMERS STEALING MERCHANTS CREDITS AS THEIR OWN. XX/XX/XXXX statement has {.00}, XXXX REVERSED CREDITS NEVER MADE PERMANET NEVER PROVIDED DENIED IT EVER HAPPENED.??? And I discover in all of this I DID NOT OPEN THE ACCOUNT MY CREDIT WAS DESTROYED WITH ** INACCURATE CREDIT REPORTING. XXXX 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: June 5, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
Full Complaint:
See attatched USAA COLLECTION LETTER OF XX/XX/2020 ACCOUNT XXXX. I DID NOT OPEN THIS 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 7, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company’s investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your 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 8, 2020
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Problem with a credit reporting company’s investigation into an existing problem
Sub-Issue: Difficulty submitting a dispute or getting information about a dispute over the phone
Full Complaint:
Each time I dispute information on account, the company puts additional incorrect information on the credit profile. The last dispute was reporting the balance. Currently the entire loan balance is being charged off. The have received partial payment from the sale of the vehicle and the amount should be reduced. This is a direct violation of the FCRA.
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 6, 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: Old information reappears or never goes away
Full Complaint:
See prior recent complaint regarding my issues with USAA. Inconsistent and inaccurate credit reporting that is bringing my credit score down that is beyond the date of ( 7 year negative ) reporting. I disagree with the information the company provided in their last response as it is inconsistent and inaccurate. I was separated in XXXX ; later divorced in mid XXXX. These two accounts had been closed in XXXX. My ex later filed bankruptcy in XX/XX/XXXX, USAA then charged off the owed debts. USAA claims the delinquency began in XXXX XXXX which is incorrect. The debt had already been written off by then. Just recently, XXXX/XX/XX/XXXX – USAA began reporting late payments on my credit report bringing my score down 200 points. In addition, they added balances back onto the accounts ( that they charged off previously ), that increased my credit utilization ratio to over 51 %. This type of unethical reporting is hurting my credit score and my name. I’m now XXXX years old and XXXX. This company is causing me undue harm and stress …
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 6, 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: Problem with a credit reporting company’s investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
Full Complaint:
I DO NOT UNDERSTAND?? I DID NOT REQUEST A BLOCK. I REQUESTED THE XXXX LICENSE AND WRITTEN SIGNATURE PROVIDED TO OPEN THIS ACCOUNT FROM THE CREDITOR USAA. XXXX has been notified this is Not my account previouly NEVER FIXING PROBLEM. I Requested Written Documentaion to CONFIRM & VERIFY MY IDENINITY AUTHORIZING OPENING. See attatched XX/XX/2020 XXXX Notice CONFIRMING JUST NOW BEGINNING AN INVESTIGATION. XXXX has done this at least 3 times on the CFPB WEB previouly. see all other complaints. I DID NOT OPEN THIS ACCOUNT.
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.