UNITED SERVICES AUTOMOBILE ASSOCIATION

2019-11-02

San Diego, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: I contacted USAA on XX/XX/XXXX to discuss a late payment showing on my account from XX/XX/XXXX. I was informed that there was no information showing it was late. I requested the 30 day late to be removed by USAA and Bureaus and it is still showing
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-01

San Diego, CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-01

Keyport, WA

Other transaction problem

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: My name is XXXX XXXX. On XX/XX/2019, I submitted a money transfer inadvertently to my ex-wife 's account. I immediately called USAA and tried to reverse the payment. As it was a USAA to USAA money transfer, the representative stated he could not cancel or retrieve the payment. I informed the representative, that this was to my ex-wife and we are not on amicable terms. I asked if he could reach out to her and request the transfer be reversed. He refused and stated even though it was a mistake it has been done. I then asked to speak the executive resolution team. After being on hold for 20 minutes, I was told they are busy and they would return my call later. As I work abroad, this was cumbersome at the least. After the call, I completed some research about whether I my ex-wife could keep the funds from the transfer and the banks responsibility. The bank is required to be your advocate and attempt to reach the other party to see if the party will release the funds. As of now, USAA has done nothing to assist and has failed to be helpful at all. For anyone else in this predicament, you have legal rights to obtain your funds for inadvertent fund transfers. The key to a return without legal intervention is for your bank to be proactive and advocate for you. Additionally, this is needed as proof if the other party refuses to return your funds. I am truly disappointed in USAA in this matter. I have been a faithful member for almost 20 years. I would assume the loyalty in itself would mandate at least a letter or call from the institution to the other party. I will be looking for other banking institutions that treat their members better.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-31

Dearborn Heights, MI

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: In progress

Timely Response

2019-10-31

Mantua, OH

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: In progress

Timely Response

2019-10-31

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-31

San Antonio, TX

Problem with a lender or other company charging your account

Checking or savings account: Savings account

Transaction was not authorized
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief

Timely Response

2019-10-30

Moseley, VA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with monetary relief

Timely Response

2019-10-30

San Antonio, TX

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: In progress

Timely Response

2019-10-30

Alsip, IL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-30

San Jose, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: In progress

Timely Response

2019-10-29

Superstition Mtn, AZ

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: On XX/XX/XXXX I received an email saying that my account with USAA was closed. I contacted them dip try to find out why because I receive direct apposite of my SSD and it was due in three days. They informed me that oh well didnt matter I receive a check in 20 days I told them that I need my money sooner than that I have to pay my bills I have to buy medication and I have to feed my kids I was instructed that there is nothing they can do I got transferred to another young lady she said that I can open up another account and the funds can be deposited there I was like a fine then a guy got on the phone and said That cant happen. So I took it to social media finding out that this company has done this to many more people so they were banning together to do a lawsuit I contacted them again they contacted me I spoke with the guy named XXXX he told me that it will be expedited on Thursday and I should have it so I can you know do whats needed. the call got disconnected he never tried to reach back out I called them again he told his team member to tell me itll be 10 days for them to review a deposit that theyve been getting for over 5 years and then cut me a check and then XXXX XXXX it out so I would not receive a check until around XX/XX/XXXX. How am I supposed to buy medications for my XXXX XXXX waiting into the XX/XX/XXXX or buy food
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-29

Portland, OR

Fraud or scam

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: On XX/XX/2019, XXXX transfer was initiated from my USAA bank account for {$90.00}. This transaction was fraudulent. The recipient of this transaction does not seem to actually exist, even though they're supposed to be tied to a bank account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-28

Dallas, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Complaint: I have received 7 1099-C from USAA from XXXX to XXXX. I am unable to pay these debts. They have been sent to the IRS. I have attached all the 1099-C I have received. Most if not all these debts are more than 7 years old and still are on my credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-28

Superstition Mtn, AZ

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: I called USAA today XX/XX/XXXX because someone emailed me and said my account was closed. I get XXXX income on the first of the month so it was no time for me to change my direct posit they told me thats not their problem and that my account was close on the XXXX I never got a letter saying that my account was closed or anything like that Ive had that been for a very long time they know that I get direct apposite but yet they close it over {$29.00}. And then I told the lady that I cant be late with my bills she told me oh well maybe theyll see you the check and 20 days and I was like that wont work how am I going to feed my family. She said well send it in 20 days
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-28

Garland, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-10-28

Sandy Hook, CT

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-28

Jenks, OK

Managing an account

Checking or savings account: Other banking product or service

Fee problem
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-28

La Vernia, TX

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: I'm XXXX and have had many home loans in my life. I have paid all of them off per the terms of my loans. I have one left, and that is my home equity loan with USAA who was servicing it in-house until recently when the transferred it to a disreputable company known as XXXX ( XXXX XXXX XXXX ). This company has been sued numerous times including by 3 states. I called USAA and asked them to audit my account because of the improprieties I was seeing with the balances. It appears that XXXX has begun calculating my interest daily which is not consistent with the terms of my loan. My loan is a 365/365 loan with interest of 6.34 %. They should be using the EXACT DAYS method of interest calculation, instead of DAILY interest. I have never taken out a loan that did not follow a standard amortization schedule of declining interest payments and increasing principal payments. I have requested the amortization schedule they are using, but have received nothing. Could you please assist me in getting resolution of this issue? I am very uncomfortable with the company USAA has chosen and not sure what is happening to the company with which I have placed 40 years of trust. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-27

Miami, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-25

Artesia, CA

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: In progress

Timely Response

2019-10-25

Incorrect information on your report

Checking or savings account: Checking account

Account information incorrect
Company Response: In progress

Timely Response

2019-10-24

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2019-10-24

Pacific Jct, IA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: In progress

Timely Response

2019-10-24

Brooklyn, NY

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: In progress

Timely Response