UNITED SERVICES AUTOMOBILE ASSOCIATION


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"Products" offered by UNITED SERVICES AUTOMOBILE ASSOCIATION with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Pawn loan
Consumer Loan - Personal line of credit
Consumer Loan - Title loan
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Store credit card
Credit card or prepaid card - Student prepaid card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan debt
Debt or credit management - Credit repair services
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Mortgage - Second mortgage
Mortgage - VA mortgage
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Pawn loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Other advances of future income
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Title loan
Prepaid card - General purpose card
Student loan - Federal student loan servicing
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan

Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.
Complaint ID: 4315726

Date Received: 2021-04-20

Issue: Other features, terms, or problems

Subissue: Problem with rewards from credit card

Consumer Complaint: I received a check from USAA in the amount of {$110.00}, dated XX/XX/2021 made out to the estate of my late husband for unused credit card rewards and interest. However this check was received 7 years and 10 months after the death of my husband. His estate was settled many years ago and there is no estate account, so the check could not be cashed. I contacted USAA via telephone and they advised me, they knew this was a problem, as most of the recipients had a loved one that had passed more than 8 years prior and they were sorry and working on a solution and I should call back in a week for an update. When I called a week later, they advised they were still working on a resolution and I should call back in another week. A week later I was then given another number to call XXXX. I called that number on XX/XX/2021 and they advised there was nothing they could do about the changing the payee of the check and it would remain made out to the estate of my late husband. They advised I should hire an estate attorney and open an estate account. When I said that would cost more than the value of the check of {$110.00} they said there was nothing they could do about it. I offered to send them a copy of my husband 's will, naming me sole heir, so they could make out the check to me, but they said that was unacceptable. When I asked to speak to a manager or supervisor, they refused to put me through, because I don't have an active account with them! When I asked how this could happen all these years after my husband 's death, they told me the funds were found during a department audit, however they could not explain why it took them over 8 years to conduct said audit. I told them it seems obvious that they do not want to pay these funds to the rightful heirs and sounds like fraud and theft. Anything you can do to help would be greatly appreciated. Thank you.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: NY

Zip: 10306

Submitted Via: Web

Date Sent: 2021-04-20

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4314079

Date Received: 2021-04-21

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: I've banked with USAA for over 10 years. After an attempt to bank with XXXX XXXX XXXX, I changed my mind because of poor customer service. I should have a total of over 35k in my account ; I should be able to access that account since over $ 25k of that amount was already in my USAA account. As of yesterday XX/XX/20, I had no warning call, no email, no text and my card was declined. I am since that time also unable to access my accounts online. When I call in, the prompt tells me to call back : tomorrow, during business hours XXXX which I'm calling within ). I finally get a live Rep and they tell me that the prompt on their screen insists they read to me the following : " I'll be transferring you to a specialist ... '' and when the live Rep transfers me, the line disconnects or tells me to call back tomorrow. I have started recording these calls as I'm at a loss for what is happening.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: TX

Zip: 75070

Submitted Via: Web

Date Sent: 2021-04-21

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4311584

Date Received: 2021-04-19

Issue: Problem with a credit reporting company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Consumer Complaint: I've contacted USAA and XXXX XXXX on several occasions on why I am not an authorized user on my wife 's USAA credit card account for XXXX dollars. The account is not reporting to XXXX XXXX, USAA said to me that they have been reporting to XXXX XXXX, but XXXX XXXX is not making any changes, XXXX XXXX play 's the blame game and said it's USAA fault, I honestly believe if this was reported accurately, I would definitely have a higher credit score. I've exhausted all my options and I need some help please, This account is reported to XXXX and also XXXX with no problems at all.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: OH

Zip: 44202

Submitted Via: Web

Date Sent: 2021-04-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4310366

Date Received: 2021-04-19

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : USAA SAVINGS BANK XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX

Company Response: Company believes it acted appropriately as authorized by contract or law

State: NY

Zip: 11722

Submitted Via: Web

Date Sent: 2021-04-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4309611

Date Received: 2021-04-19

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Social Security # XXXX DOB : XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : XXXXdebt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : USAA SAVINGS BANK XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX

Company Response: Company believes it acted appropriately as authorized by contract or law

State: NY

Zip: 11722

Submitted Via: Web

Date Sent: 2021-04-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4304916

Date Received: 2021-04-16

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, State, Zip Code : XXXX NV XXXX Telephone No. : ( XXXX ) XXXX XXXX XXXX XXXX RECEIPT REQUESTED Date : XXXX To : USAA Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Dear USAA BANK AND ABOVE- ( ALL ABOVE-NAMED PERSONS -USAA EMPLOYEES ) ARE BEING SERVED FOR SMALL CLAIMS COURT AND CIVIL COURT : XX/XX/2021 ( See Attached Documents ) This letter is a demand for payment in the amount of $ XXXX fix my credit from all 3 agencies. I believe I am owed this amount because of the following facts and circumstances : After reviewing my credit report, I am writing to dispute the following inaccurate information, all of which result from FRAUD CHARGES ON MY USAA CREDIT CARD XXXX and is not information relating to any transaction I made. Please investigate each account listed below as the charges are fraudulent and were made without my consent. I was bullied by all your staff at USAA bank to pay the fraud charges of {$1800.00} DUE TO YOU RUINED MY CREDIT. I am a XXXX XXXX Decorated XXXX veteran living on XXXX pension. Why would I ruin 40 years of XXXX XXXX XXXX? After contacting the local police agencies and the FBI they both stated I should of not paid the fraud charges until it was fully investigated by USAA fraud department and a letter was sent to me clearly denying my claim. I have consumer rights by law to file an Affidavit of complaint. I also contacted a local law firms here in XXXX XXXX that are experts in this matter and they clearly stated to me I should have never paid the fraud amount until a professional investigation by USAA was done. I was told that this is the first step I must do to fix this matter. I have asked over and over to do a complete investigation and check the atm cameras and I can prove I was not in the same state that the fraud occurred. ( No investigation was ever done by USAA Fraud Department ) I was never allowed to speak to someone in the fraud department. I was never notified in writing that USAA Savings bank denied my fraud charge claim and I was responsible for all the charges on my account. I would like to see prove that I received those notices in writing. This whole matter has brought me to an incredibly sad mental state and have had counseling over losing my house due to now I cant refinance my house with bad credit. ( Police reports Filed ) XXXX XXXX Metro Police XXXX / FBI XXXX XXXX XXXX The XXXX XXXX XXXX police have started the investigation and taken my affidavit of prove that I was not in the states or locations of the fraud on my credit card. The FBI IC3 unit has also started their investigation and received my affidavit of prove. I have currently filed in smalls claims court and with my Attorney next will be civil court after all the investigations are completed. I am so upset regarding this matter against me I am going to have an interview with XXXX XXXX XXXX ACTION NEWS In XXXX XXXX on XX/XX/XXXX with their consumer fraud investigation team. After my Attorney reviewed my evidence of my case and my deposition, He agreed to take my case free of charge. ACCOUNT NAME - ACCOUNT # XXXX Please investigate this account, as the charges are fraudulent, and were made without my consent. are hereby informed that you have ten ( 10 ) days from the date of this letter to pay the demanded amount or to make a satisfactory arrangement with me to fully resolve this matter. If you are interested in mediating this matter with me, please contact the Neighborhood Justice Center at ( XXXX ) XXXX. Mediation is an opportunity for us to craft an agreement with a neutral third party that might keep us out of court. It is confidential, expedited, and free, and you can negotiate agreement details without a judgment being placed on your financial record. My contact information is listed above. In the event this matter is not resolved to my satisfaction, or if I do not receive or accept an invitation to mediate, then I intend to file an action in Small Claims Court and civil court where I will also request that you pay the costs of suit associated with having the matter heard by the court. Please guide yourself accordingly. Sincerely, Signed : XXXX XXXX XXXX XX/XX/2021 XXXX I am asking for 1 simple thing fix my credit and return my {$1800.00}.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: NV

Zip: 89012

Submitted Via: Web

Date Sent: 2021-04-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4303275

Date Received: 2021-04-16

Issue: Closing an account

Subissue: Can't close your account

Consumer Complaint: The first questions were not answered properly because I was never informed what exactly was open at this bank using my social security number. I am a victim of identity theft which I realized on XX/XX/XXXX. When I pulled my credit reports to investigate them I noticed USAA, a Federal bank at that, had ran a credit check using my social security number not once, not twice, but THREE TIMES!! ( XXXX ) I called USAA on XXXX and was informed their computers were down by a XXXX and I was to call back later. I called in the afternoon and spoke to an XXXX who ran my personal information to see if it was being used at USAA. I have no accounts with this bank because I AM NOT military, therefore they are incompetent for even allowing someone else to use my social security number. They also ran my credit report, as I stated, three times and I would like to know or comprehend how a company runs my social without my name or address matching the information the fraudster used. Why didnt anyone ask why this name and address in PA was coming up for the social???? INCOMPETENCE!!!! XXXX stated my social was being used but would not tell me how or what on. She stated she would mark the account " suspicious '' and someone from a XXXX area code would be calling me back to talk about this. She also gave me an address to send a copy of my drivers license and a request asking USAA to close the account. On XX/XX/XXXX21 I sent USAA a copy of my drivers license with a copy of my identity theft report and asked them to close this account. On XX/XX/XXXX21 I spoke to a XXXX from USAA. He stated that XXXX was wrong and I did not have to send my drivers license that he would send me a paper to fill out for me to request the documents I wanted USAA to provide me with. XXXX stated it would be no problem for me to have these docs but be very precise on what I was asking for. He stated the account would be closed and the inquiries removed from my credit report within 30 days. I received the paper XXXX spoke of on XX/XX/XXXX and I immediately filled it out and returned it to them. I also sent a copy of my identity theft report. On this paper I stated I would like USAA to send me the following information pertaining to ANY AND ALL accounts opened using ANY of my information : All documents related to the opening of all accounts including ; when the accounts were opened, any credits/debits against the accounts, copy of all bill of ladings, copy of all applications, all info used including demographics. On XX/XX/XXXX I receive two letters from USAA. One was a blank copy of the form I HAD ALREADY FILLED OUT AND SENT THEM, and the other was a letter stating and I quote, " a business may dispose of certain records regularly in compliance with internal record retention policies. Records that you have requested may or may not be available to you or the authorized law enforcement at this time because of these policies. '' They go on to say my request is incomplete and submit it again. So you mean to tell me a company disposes of their paperwork/records within 6 months??? I find that very hard to believe. I have had enough!!! I am the victim in this situation and I should not even had have to type this mess all out for ANYONE!!! This company was incompetent to run my credit three times and then allow someone to use it, A NON MILITARY SOCIAL!!!! I WILL NOT send them anymore information. This is the same company that was charged by the XXXX in XXXX of 2019 for incompetence and YET HERE I AM!!!!

Company Response: Company believes it acted appropriately as authorized by contract or law

State: PA

Zip: 17701

Submitted Via: Web

Date Sent: 2021-04-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4302326

Date Received: 2021-04-15

Issue: Managing an account

Subissue: Funds not handled or disbursed as instructed

Consumer Complaint: USAA has not blocked transactions from companoes I have told are fraudulent. Specifically, XXXX. I had to transfer all direct deposits form this account and they have repeatedly failed to fix this issue. They are racking up NSF fees that are not my responsibility. I have tried to cancel the account but they have to have so much time in between activity and I cant pay off the transactions befoee another appears even though I have told them I do not want their services and to block all transactions.

Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers

State: MI

Zip: 49503

Submitted Via: Web

Date Sent: 2021-04-15

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4300634

Date Received: 2021-04-15

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: GA

Zip: 310XX

Submitted Via: Web

Date Sent: 2021-04-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4298441

Date Received: 2021-04-15

Issue: Problem caused by your funds being low

Subissue: Overdrafts and overdraft fees

Consumer Complaint: On XX/XX/2021 check number XXXX cleared my account in the amount {$4800.00} at USAA bank. Today I go to my account and my entire checking {$2100.00} account balance was taken to {$0.00} with an overdraft amount of an additional {$2700.00}. So I looked at the account and USAA processed a check payment again on check number XXXX in the amount of {$4800.00}. I contacted USAA and was first told that the merchant had processed the check twice and that USAA would return the check but my funds would not be returned for XXXX to XXXX business days. I contacted the merchant, who then contacted XXXX bank and no such reprocessing occurred, USAA lied. I contacted USAA and they transferred me to the XXXX resolution center. That department says a work order to reverse the damages caused was sent but it will take XXXX to XXXX business days.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: CA

Zip: 92596

Submitted Via: Web

Date Sent: 2021-04-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.