Checking or savings account -- Managing an account -- Complaint #8754490
Complaint Overview
Complaint ID: 8754490
Company: United Services Automobile Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: Virgin Islands
ZIP Code: XXXXX
Date Received: 2024-04-11T12:00:00-05:00
Date Sent to Company: 2024-04-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/24, I deposited my first payroll check from a new job at the ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1200.00} through the mobile app for USAA where I have a checking account. The check is clearly marked " XXXX XXXX ''. A hold was placed on all the funds except {$200.00}. I knew the app could not determine that it's a payroll check so I used the chat function and advised a live agent that it's a payroll check and that I knew holds are not permitted on payroll checks. My attempts to have the hold removed were denied. Approximately 1-2 hours later, I called their XXXX number and spoke to an agent and again advised that the deposit was my payroll check and clearly marked. My request to have the hold removed was again denied and was told because my balance is low and that they could not verify the funds with the for the check. Given the current state of increasing costs of everything and people struggling to pay their bills, I find this action in extremely poor taste and bad business. I do have a direct deposit order in place with my job, however I'm strongly considering changing that direct deposit request to another institution.
Frequently Asked Questions
What is Complaint #8754490 about?
Complaint #8754490 was filed against United Services Automobile Association regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2024-04-11T12:00:00-05:00.
How did United Services Automobile Association respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against United Services Automobile Association?
Yes, visit the United Services Automobile Association company profile at readthecomplaint.com/company/united-services-automobile-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.