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 21, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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: Investigation took more than 30 days
Full Complaint:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven’t received any investigation results.
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 21, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Checking or savings account
Sub-Product: Other banking product or service
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 it acted appropriately as authorized by contract or law
Date of Complaint: July 20, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
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:
A {.00} charge was made to our credit card through USAA on XX/XX/XXXX. Ordinarily, my wife and I never use this card, but it was linked to our XXXX XXXX account and inadvertently charged. That was our fault, of course.
Previously, in XXXX, we had transferred a balance to that USAA card and set up a monthly charge using USAA ‘s autopay feature. That continued until the balance on the card was ultimately paid off in XX/XX/XXXX. However, around XX/XX/XXXX, when notified by the USAA app that an autopay charge was about to be incurred, my wife used the USAA app to increase the amount of each monthly payment. This continued until the balance was fully paid. However, evidently, increasing the payment amounts each month — when prompted to do so — resulted in a cancellation of the monthly autopay without any warning and without our knowledge.
Between XXXX and XX/XX/XXXX, there were no charges incurred on the card until XX/XX/XXXX, when the {.00} charge was incurred. USAA sent a statement on XX/XX/XXXX via email that shows the charge, but I likely did not even bother looking at the statement — and I certainly didn’t worry about it getting paid — because I reasonably assumed that the autopay feature was still enabled. However, today I discovered that it was not, in fact, automatically paid, and I have concerns that the late payment was reported to a credit reporting agency.
After spending more than an hour on the phone with USAA representatives, they refused to take any responsibility for the fact that their app disabled the autopay feature without notifying us or to assist in correcting the credit reporting error for late payment.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: July 21, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK
Product: Money transfer, virtual currency, or money service
Sub-Product: Mobile or digital wallet
Issue: Fraud or scam
Full Complaint:
My daughter XXXX sent money using XXXX that is available on USAA mobile app to a man name XXXX XXXX that was supposed to be selling a XXXX XXXX puppy on XX/XX/2021 in the amount totaling {00.00}. The seller appeared to be scammer and once he received the money he couldnt be contacted anymore. Trusting that usaa was allowing the use of XXXX on their usaa app platform we assumed that our money will be protected if we used XXXX. When we called usaa of the scammer issue they inform us that we might not be able to get our money back since we authorize the payment. I feel as a consumer that a big bank like USAA should only offer services that are protected or backed by their bank in case of these type of fraudulent activities. My daughter worked hard for her money and to be told that our bank for over 15 plus years cant protect her money from these scammers is a shame. I will be switching our bank soon as we feel betrayed. Thanks for reading. My name is XXXX XXXX XXXX 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: July 20, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn’t receive enough information to verify debt
Full Complaint:
On XX/XX/2021 I received a letter from American XXXX XXXX XXXX XXXX XXXX XXXX in regards to the collection of a debt for {00.00}. After I reviewed and investigating this communiction, I discovered that this communication violated Federal Debt Collection Protection Act ( FDCPA ) 15 U.S. Code 1692c ( a ). I did not give XXXX prior consent to any communication with me. XXXX failed to provde me with any signed agreement that gave thm authorization to collet any amount in regards to this debt as per my dispute letter mailed on XX/XX/2021. This is a violation of FDCPA 15 U.S. Code 1692f. These actions lead me to believe that XXXX is participating in deceptive actions and is in violaiton of FDCPA 15 U.S. Code 1692j. I feel that these actiosn are also a form of harassment nad violates 15 U.S. Code 1692d.
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX, in regards to the collection of a debt for {00.00}. This communication violated Federal Debt Collection Protection Act ( FDCPA ) 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt … I did not give XXXX prior consent to any communication with me.
After I disputed this alleged debt with XXXX, XXXX failed to provde me with any signed agreement that gave thm authorization to collet any amount in regards to this debt as per my dispute letters mailed on XX/XX/2021, and XX/XX/2021. This is a violation of FDCPA 15 U.S. Code 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
These actions lead me to believe that XXXX is participating in deceptive actions and is in violaiton of FDCPA 15 U.S. Code 1692j ( a ) ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
I feel that these actiosn are also a form of harassment nad violates 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt …
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 21, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-Product: Personal line of credit
Issue: Getting a line of credit
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 21, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-Product: Domestic (US) money transfer
Issue: Fraud or scam
Full Complaint:
USAA received a request from XXXX XXXX XXXX to provide them a Hold Harmless Agreement or Indemnity Agreement so they can legally transfer my funds back to my account. It has been over a month since XXXX XXXX XXXX requested this from USAA and they still complete and turned form in to XXXX XXXX XXXX. XXXX XXXX XXXX informed me today the longer my bank takes to complete form the higher the possibility for the scammer to remove my funds.
My Bank ( USAA ) has sent multiple recall requests and XXXX XXXX XXXX still hasn’t respond the recall. XXXX XXXX XXXX of XXXX XXXX XXXX did a Wire fraud scam impersonating XXXX XXXX XXXX an real estate investor and committing a federal scam. Scamming me out of a total of {00.00}. My bank USAA requested numerous of times to XXXX XXXX XXXX along with the police report the circumstance and and XXXX XXXX XXXX refused to their further investigation to give me my funds back. This scam of {00.00} has put me in a bind financially with the owner of the property and financially. I met XXXX XXXX XXXX late XXXX at Real Estate Investor convention in XXXX. We talked briefly about future Real Estate deal and agreed to work together. He reached out to me via email and chatted about him lending me a Real Estate Investing Loan for a property I was acquiring. XXXX is a Real Estate Investor with his company XXXX XXXX XXXX XXXX. After exchanging numerous emails and signing contracts, He agreed to dispersed funding of {0000.00} once I pay the the {00.00} origination fee and a {00.00} Payment Protection Insurance fee. Once I wired the transfer to unknown individual ( XXXX XXXX XXXX ) from XXXX XXXX XXXX, XXXX XXXX XXXX completely disappeared. No email response, phone call etc. I have email, wire confirmations, His LinkedIn, and XXXX XXXX XXXX XXXX XXXX XXXX information ( routing and account no. ) I filed wired fraud investigation with my bank USAA and filed a police report. I have all documentation needed.
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 21, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Mortgage
Sub-Product: VA mortgage
Issue: Closing on a mortgage
Full Complaint:
USAA processing my loan XXXX XXXX and XX/XX/2021. After I received a copy of the notice of value they changed the repair requirements and never sent it to me. It was 20 days later when they sent it to me and said I could pay extra to extend the rate lock since I didnt get the repairs finished. I was told that only the processor received the updated XXXX and I should just go on that even though I didnt see it until 5 days before trying to close.
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 21, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-Product: Checking account
Issue: Opening an account
Sub-Issue: Unable to open an account
Full Complaint:
Submitted a complaint recently # XXXX and USAA lied in its response about me getting access again. Untrue. After getting the confusing message I tried to access my accounts only to STILL BE LOCKED OUT. I called the USAA 1800 number told MY ACCOUNT IS RESTRICTED STILL. I asked for supervisor and told none are available and placed on a 15 min hold until I hung up. Does MS XXXX work at USAA? My next call will be to her ” office ” )
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 21, 2021
Company Official Name: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
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.