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USAA Complaints - Scam and cheating!

Review all USAA complaints

USAA

Posted: 2007-12-28 by Greg H [send email]
Scam and cheating!
Complaint Rating:  20 % with 5 votes
Company information:
USAA
San Antonio, Texas
United States
Phone: 1-800-531-8111
www.usaa.com

I had insurance, and currently have Banking, a auto loan and Credit Card through USAA. In the past I was not the best at paying my Insurance on the exact date that was posted. But I did always pay them in full for what they wanted. Never had a problem until earlier this year when they decided that because I was not paying them in full. (Witch I know was my fault.) That I can no longer have access to my Bank, Credit card and Auto Loan online. In fact now all I can do is call them and wait for 30-40 min jsut to get a account balance. Since then I have taken my banking els wear. But what the hell, ok I understand the insurance and such. But I have always paid everything... especially the insurance before then policy period ended. My COMPLAINT here is why am I being treated like a second rate customer.
Comments United States Auto Insurance & Loan
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Comments

208 days ago by Nancy Flynn [send email]
The same thing happened to me. But they also will not allow me to open any new accounts or add or change my INS. I ask then why and they said it was because I filed bankruptcy in 2001.
189 days ago by Former Insurance Adjuster [send email]
We had almost the same issue with them. We had been paying our insurance for 6 month periods. Last May, our bill was due on May 18. I called them and told them that we would pay on May 30. I paid the entire 6 month premium for both renters and auto together. My policy was due for renewal in November. When I went to pay me 6month premium in november, I was told that I now had to pay for the entire year. When asked why, I was advised that they had to send a letter in May. Keep in mind, my policy never cancelled at all and I have been a member for 10+ years with multiple products with USAA. Well, we switched to another insurance company because they refused to work with us. Apparently, they renewed the policy anyway and charged us for another month of premiums. One day we went to get online and were locked out of the online banking because we had a bill of 48.00 from the insurance. We called and asked what the banking had to do with the insurance and how could we pay a bill we did not even know we had. We could not do any deposits online and had some money to deposit. It was so frustrating and I do not agree with how USAA shares it info across the different companies. If I owed money to Allstate, I would not lose my banking right with Wachovia so how does USAA get away with crap like this?
170 days ago by Paula Bonaparte [send email]
Here's one for you. USAA had been "dinging" for cancellation notices (w/them for over 15 yrs). However, they kept accepting my money for premium amounts. Some representatives were really nice and advised me, you can just call when you're going to be late and it will be ok. So, I did. Darn near every month from October 2007, I was sending in no less than "$500" up and through January 2008. But, when I wanted my son to get his own policy... around January 25, 2008... that started the flames! Suddenly, they sent me a cancellation notice with NO conditions for re-applying with USAA. I'm so confused as they just sent a USAA letter stating that I could disregard the Notice of Cancellation dated November 2007. However, to bring my account up to date; they needed $600+ (& soon). Now, I also received new auto insurance cards dated February 2, 2008. So who's crazy??? Not me. I have sense enough to keep all my contacts with them and fully expect to pursue a complaint with the insurance commission for poor practices and virtually lying about coverage. They really must think people are just going to lie down to anything they say. I'm glad I kept contact information!
167 days ago by Eh [send email]
I had the exact same issue as Greg H. The most frustrating thing is there appears to be no appeals process for this. I do all my banking an investing with USAA, only fault is not paying one bill in a timely manner, always paid it, just not on schedule. Everything else I paid like clockwork. Now, no online access to my account, which includes BillPay, so I can't view how my payments are set up, which are onetime, ongoing etc.
I feel like USAA are cutting off their nose to spite their face... the punishment far outweighs the crime, and there is no negotiation. AND, they say they don't know when, if ever, I would get online privileges back, which forces me to change bank. Surely that hurts them as much as us, there goes my civilian salary, my reserve salary, my savings and investments that USAA would use to conduct their business. Makes no sense.
146 days ago by Heather [send email]
The same thing happened to us last week (end of Feb 2008). Our insurance has never been cancelled, although we've made some late payments over the last year, but you would think that since I've been a member for 15 years and not made late payments except for this last year (had a rough year), they would overlook it. Nope. They are playing hardball and it's mind boggling to me. We just opened a new checking account today with a different bank because we can't get online access to our bank account. We travel with my husbands job and there is not another bank out there that can accomodate us like USAA, so I don't know what we're going to do! I just can't believe they've done this to someone who ALWAYS pays them, maybe not always on the due date, but they've always gotten their money without having to cancel us. What about late fees??? My husband has spent a total of 5 hours on the phone with Jeremy Grant, only to be treated like a second class citizen and told that we are not "acceptable" as customers. I'm sure there are tons of other companies who will be happy to have us, but this is ridiculous on the part of USAA. We were told that they have a new 3 strikes and your out policy and this was the third time (ever!) that we were late, so we're out! We are going to file a formal complaint with the Texas insurance commission, hopefully that will get their attention. They need to snap out of it and get back into reality and realize that you don't treat your loyal customers this way! By the way, we also got a notice telling us to disregard the cancellation notice we had previously received. Based on all the letters we've received, this should not be happening. In December, we were told that if we were late again, we would have to pay in full next time. Not the case, this is the next time and we're cancelled for life!

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