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: July 14, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
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 explanation
Public Response:
Company believes complaint represents an opportunity for improvement to better serve consumers
Date of Complaint: July 14, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ME
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
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: July 14, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID
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: Problem with personal statement of dispute
Full Complaint:
In XX/XX/XXXX Usaa had an error for many users in its auto pay system. They told this directly to me. My payment was not collected and I was not notified about the missing payment. Typically I would be emailed a statement and then called several times before a 30 day period had passed. there system however never showed the payment as missed. The only reason I realized the payment had not been made was due to my credit score dropping about 150 points due to the 30 day late payment they reported to the credit bureaus. I immediately called and made my payment but even then they did not see the missed payment flagged and I had at that point already auto paid two other months. They offered to pay my late fees which they then realized didn’t exist because the system never processed the missed payment as missed and then told me I needed to file a dispute with the credit bureaus in order to clear my late payment history and restore my good credit. I did this and waited the 30 days. They sent me a letter about 35 days later telling me they denied my request so I called them, the average hold time is about 40 – 120 min. The agent I called on the first second a third times over the next two weeks all told me that Usaa had indeed sided with me in the dispute and that my credit report should return to normal. Two days ago I called again on XX/XX/2021 because my consumer report that they told me to order to prove that my score would go back to normal still showed the late payment. I pushed hard with the agent I got and was able to escalate to an advanced soultions team who were able to verify that the letter they has sent me was indeed the ruling that usaa had made and that he wasnt sure why the other agents had told me otherwise and that he didnt know and couldn’t find out why Usaa had ruled that way and that all I could do was file the same dispute again. I spent more than 14 hours of time on HOLD trying to talk to Usaa just trying to figure out what was going on and there is no other recourse other than this report.
Response Type: Closed with non-monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: July 14, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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:
My husband had a USAA credit card XXXX since XXXX with USAA BANK. In XX/XX/XXXX bank reported him 30-days-late. 5 months later in XX/XX/XXXX after being married in a month before in XX/XX/XXXX he added me as an additional authorized user. I never have used the card. The bank is reporting me 30-days-late on the account for XXXX. I did not have the card in XXXX. There is no way I could have been late as I did not have a card or no obligation to pay. I have asked the USAA Bank and the CRA ‘s to remove the account. They have failed to do so. This is in violation of federal and state laws.
Complaint Tags: Servicemember
Response Type: Closed with non-monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: July 14, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Fee problem
Full Complaint:
USAA likes to find magically ways to charge NSF fees. They will post some deposits the same day but other deposits the next day. NSF charges with most banks are charged the same day a transaction is returned, USAA will charge this fee on a day a transaction was not presented. This time I moved the money to cover the balance needed and instead of them paying the transaction, they sent the transaction back and posted a few the next day. The fee puts the account below the amount needed to pay the transaction of course, but had they posted the deposit as they should before any debits, this wouldn’t happen. This is the 2nd time this has happened, oddly enough had an account with another bank and these types of things never happened. Please investigate the unnecessary fees being charged by this bank.
Response Type: Closed with monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: July 14, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-Product: Domestic (US) money transfer
Issue: Money was not available when promised
Full Complaint:
To whom this may concern, My name is XXXX XXXX XXXX I am a XXXX in the U.S XXXX currently XXXX in XXXX. I was message by a Individual stating to be a manager at USAA saying that they work in a department that offers military members grants to help them in their day by day XXXX. I was offered and promised by XXXX XXXX the USAA manager a grant totaling up to XXXX This was back in XXXX of this year I have not received this grant to this day. I feel like I’ve been fallen into a scam by this Individual of this company. I would to know if I can get this grant or some sort of compensation.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: July 14, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
Full Complaint:
I was scammed in XX/XX/2021 and reported it to USAA which charged off and closed one of my checking accounts and froze all of my other bank accounts, making it impossible for me to conduct any banking transactions. After being scammed, I was unemployed and desperately needed the COVID economic stimulus check which I was counting on to make ends meet until I could find another job. Unfortunately, my checking account frozen by USAA was the recipient of my COVID emergency relief stimulus check. USAA has refused to release the funds which are intended for emergency assistance to me and are keeping me from that money until I am able to pay off the other charged off account. Having my accounts frozen ruined my credit because I was unable to access my stimulus to make any payments. When I needed the stimulus the most I was refused the emergency assistance due to an unrelated charged off and closed account. I have tried repeatedly to resolve it this with USAA and they have refused to help me. Their response to the scam ruined my financial standing worse than the scam itself as freezing my accounts and withholding COVID emergency funds ruined my perfect credit history.
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: July 14, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
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 and XXXX have both been sent 4 disputes on account that is reporting ” derogatory ” that is paid and no history of being derogatory. Ive attached the 4th letter I sent to XXXX and the copy of the credit report.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: July 14, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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:
My husband had the credit card since XXXX with USAA BANK. In XX/XX/XXXX bank reported him XXXX. 5 month later in XX/XX/XXXX after being married in XX/XX/XXXX he added me as an additional authorized user. I never have used the card. The bank is reporting me XXXXlate on the account for XXXX. I did not have the card in XXXX. There is no way I could of been late as I did not have a card or no oblid=gation to pay. I have asked the bank and the CRA ‘s to remove the account. They have failed to do so. This is inviolation of federal and state laws.
Complaint Tags: Servicemember
Response Type: Closed with non-monetary relief
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: July 14, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-Product: Savings account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
Complaint Tags: Older American, 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.