Compiled from Public Data by FairShake
The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.
In 2021, the CFPB received 1368 complaints against USAA. USAA ranked Number 35 among all financial companies for the most complaints.
Date of Complaint: January 1, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Mortgage
Sub-Product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes complaint represents an opportunity for improvement to better serve consumers
Date of Complaint: January 3, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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:
On my XX/XX/XXXX billing statement ( payment due XX/XX/XXXX ), I have a Balance Transfer balance subject to interest ( 15.90 % ) of {00.00} and a non-interst bearing balance ( Promotional Cash Advance ) of {00.00}. When I discovered the XXXX balance was interest bearing, I submitted a payment of {00.00} on XX/XX/XXXX. Upon reviewing the XXXX statement, I discovered USAA did not allocate my payment to the interest bearing balance that I intended to pay off. I called USAA on XX/XX/XXXX ( spoke to XXXX ) to inquire if USAA 1 ) could explain how the payment of XXXX was allocated because the 2 remaining XXXX balances only decreased by {00.00}. 2 ) Request that USAA go back and allocate the payment as I intended to avoid further interest charges. After an hour of explaining my position, the rep could not explain USAAs method of allocation and he further explained the only way to avoid interest charges was to pay the account balance in full … even the non-interest bearing balance. Although I am carrying 2 promotional balances ( no other account charges ) I should be given the option of paying off the interest bearing balance or be given their method of allocation so that I can submit the payment amount to avoid further interest charges.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: January 5, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: January 4, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-Product: Domestic (US) money transfer
Issue: Other transaction problem
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: January 4, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
Product: Checking or savings account
Sub-Product: Checking account
Issue: Opening an account
Sub-Issue: Account opened as a result of fraud
Full Complaint:
I tried to open a account with USAA a few years and discovered that I have a account opened in my name with a negative balance which I did not open. I have spoke with there fraud Department several time to conduct investigations with no results at all. I have reported them to the CFPB three times also and still nothing. I have reported them to identify theft. gov and they replied that they declined to provide me with the information based on FCRA section 609 ( e ).
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: January 4, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
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: January 5, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Application denied
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: January 5, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Delay in processing application
Full Complaint:
I applied for a credit card on XX/XX/XXXX. USAA pulled my credit report from XXXX on XX/XX/XXXX.
USAA was instructed, by XXXX, to verify my identity via this statement that is on my report that was given to USAA : Personal statement ( s ) XX/XX/XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX.
USAA never called to verify my identity. Nor did they send me an email, message through the portal, or mail.
I called USAA to verify my identity, as they have already pulled my credit and negatively affected my credit score and my ability to get any further financing on XX/XX/XXXX at XXXX and the call was recorded via USAA XXXX
The rep from USAA, XXXX, told me it that USAA could not reach me via my phone number, even though it was listed on the XXXX report, my USAA portal ( which I authorized any branch of USAA to access via the my only preferences ), and was even listed on the credit app. My phone has been working fine. USAA did not leave a voicemail or even notify me they attempted to call in any other forms of communication.
I asked to verify the information during the same call on XX/XX/XXXX at XXXX. XXXX told me I could not and the application would not move further and there was ‘no other way around it ‘. She also refused to remove the credit inquiry.
I then asked to be escalated to her manager, and she denied, and said I could only talk to another department. I talked to the XXXX employee XXXX and she also gave me the same information.
USAA refuses to accept or deny my application as of now and refuses to remove the inquiry.
I will seek legal damages as USAA is violating my rights, causing me tremendous stress, and negatively impacting my financial future. More so, it’s representatives are argumentative and untrained/uneducated.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: January 4, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
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:
USAA is reporting an old debt on my credit file and it needs to be removed. Under the FCRA this account is in violation because it is 7 years old and needs to be removed from my credit. It is also past the statue in North Carolina and they can longer come after the debt. This needs to be removed from my credit immediately.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: January 5, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem accessing account
Full Complaint:
– usaa punishing customers by closing account for reporting unrecognized charges.
– usaa froze my money in my account on XX/XX/XXXX without notice.
– XXXX from ceo office stated it would be closed in 1-3 days but was false and have been told I must wait 60 days to get my money back which is federally protected due to being VA benefits.
– fcra rights are being violated by usaa due to giving false information.
– I would appreciate this to be resolved as quickly as possible to due financial hardship this is causing especially with my XXXX and XXXX related XXXX XXXX.
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.