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1.7 581 Reviews

USAA Complaints Summary

91 Resolved
474 Unresolved
Our verdict: With USAA's very poor resolution rate, careful consideration is needed. Research their service comprehensively, and read up on how they handle customer disputes. If you face issues, be prepared for potential challenges in obtaining resolutions and explore other service providers as backups.
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USAA reviews & complaints 581

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1:18 pm EDT
Verified customer This complaint was posted by a verified customer. Learn more

USAA your security is smoke and mirrors and a joke.

I can't get in to my account because your "new" security does not work. Have been lied to all the way up the line of representatives. None of my calls have been returned from a supervisor as they told it would.. Yesterday it took me 2 hours to get to a rep in security who gave me a security code I and I was told that I could call again and a rep would give me a security code on the phone. Now they have changed that story. They refuse to give me access to my account no matter what security answers I give them.

This has persisted for several days. I can't get a security code. I have been with USAA since 1977 and they are no longer the company they used to be. Shame on them! Just another bunch of greedy people running a bank and screwing their clients.

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1:57 pm EDT

USAA auto insurance

Our car was hit from behind by a driver who was a member of USAA. The police were called and they confirmed that we were hit from behind and the other driver was following too close. We exchanged information and filed the following claim with USAA:

Shawna Shelton, USAA Adjuster
[protected]
ext: 31731

Claim #: [protected]
Policy owner: P. Wright
Driver: J. Wright

email for claim:
[protected]@claims.usaa.com

We contacted USAA 11 times over the course of 2 weeks. They kept saying the adjuster, Shawna Shelton, would contact us. We insisted on speaking to someone, but they kept saying the claim was pending and they were waiting for the report. After 2 weeks, we finally got a person at USAA to admit that they had the report after the first few days but they were just stalling. Shawna Shelton finally sent an email (after business hours, so we couldn't call her back until the next day) that the claim had been denied, but they gave no reason.
This company is unethical and resorts to fraud. They lied to us in every conversation and even kept getting our names wrong. It seemed like they were intentionally causing problems. This company was once alright, but now they are just criminal, taking advantage of service men and women.

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Yehoshuah Saves
, US
Sep 07, 2017 5:07 pm EDT

I have just had almost the exact same experience. What did you do? Did you take them to small claims court or hire an attorney?

I suspect that we can probably get a bunch of folks together who USAA has done this to and get an attorney to file a class action lawsuit against them on our behalf.

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MicheleH
, US
Sep 20, 2017 2:31 pm EDT
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I have been dealing with USAA over a year now after their insured hit me. They "fixed my car" made me pay part on the rental (because not all of it was in the budge) we did settle the BI portion as it was minimal. I am fighting them over diminished value as my vehicle was BRAND NEW - fresh off the dealership lot (less than two months) when their insured rear-ended me at a stop sign. He stated when the car in front of me went he thought I did and hit me. Well any way - I have TWO appraisals for the DIV of my vehicle one for 4, 386 and the second (that A YEAR LATER the rep from USAA requested I do as they didn't accept the first one because I found the company on line) from a dealership and that was 3, 800 well USAA seems to think $767 in diminished value is 'fair and reasonable' on a brand new car with 4, 000 miles on it. - I have asked them to show me exactly HOW they came up with that figure - trying to be fair here. All I am given is definitions stating high mileage (over 100, 000) prior damage (brand new vehicle with NO prior damage) were determining factors . Well the battle goes on. I have three years from the date of the incident to settle or file a lawsuit (for property damage) And it is the insurers responsibility to indemnify me in whole. So unless they are willing to buy me a new vehicle like and kind of my vehicle seconds before their insured hit me then I am entitled to DIV. and not 767! as if I traded my car in today just because it has an accident on record (even though I am not at fault) the dealership will take off a minimum of 3, 800 per their appraisal.

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MicheleH
, US
Sep 20, 2017 2:34 pm EDT
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Replying to comment of MicheleH

First adjuster was Melody Simmons - then it went up to the office of the CEO customer advocacy Angelica Leos. And since I have complained to the Bureau of Insurance / The Better Business Bureau / Consumer Affairs / and anyone one and every where else I can.

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sette
, US
Jun 07, 2017 9:36 am EDT

Stuart blain parker CEO of Usaa a s s face 16 De zavala Pl Shavana Tx

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5:50 pm EDT
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USAA mortgage loans

My name isTosha Mascroft and we were pre approved for a mortgage loan 4-5 weeks ago through USAA. Once we had the pre approval we were in contact with a Realtor, looked at several homes, and made an offer that was accepted. We were then in contact by a Loan Officer named Tiffany Greene and she told us that all documentation that was needed could be uploaded through USAA online. Within a few days, everything was uploaded. Then, Anthony Wallace, our Loan Processor was in contact with us concerning the process ahead. He stated that he noticed no red flags and said that the loan would soon be going into the 1st review. He stated that if anything else was needed, we would be allowed to submit it then. Now, just a little background on my husband and I. He is still currently active duty till Aug 31, 2017 and then he'll be retired from the Marine Corps after 21 years of service. I graduated from college in 2005 and earned a degree in Cardiovascular Sonography. I have been in that career for over 12 years. It's a growing line of work and I have never had problems finding a job everywhere my husband was stationed. My husband is currently stationed at Camp Lejuene and I have been employed with my current employer 1 year and 7 months. I make well and my husband and I both have great credit scores. Now, getting back to the loan process. Today May 10, 2017, I received a call from Tiffany Greene. She stated that she had a few more questions. She stated that she noticed the home we are planning to buy is over 5 hours away. She asked if I was planning on making the 5 hour commute to work everyday once we move. I said no. I will be getting a job around the area where we will be buying the home. I told her that I had an offer already and she asked if I had accepted it. Since the start date on the new job offer isn't till July, I did not see a rush in accepting it. Nor was the company offering the position giving me a deadline. She said that Fannie Mac requires that you have an accepted job offer. I told her, if need be, I could go ahead and accept the job. She stated that she needed a few more documents from us and by the time my husband went to upload them, our complete offer and process status was erased. Yes guys, just like that. They were done with us, just like that. Tiffany Greene could of cared less about our family on the other side of her computer. She, nor USAA, had no more to say to us. After all of that. No concern about helping us through these mortgage loan hiccups. I read reviews about USAA guys. I did not want to believe that those hundreds of bad reviews concerning strictly their mortgage loans were accurate. But they are guys. You spend so much time with USAA, providing what they need and then they throw you out like garbage. I would be glad to answer any questions you may have concerning this review.

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ltcolglennr
, US
Jul 24, 2017 3:15 pm EDT

I already moved 75% of my stuff to another financial institution. All I need now is my auto/homeowners insurance, close a small checking that I left and a credit card. I blocked my credit card.

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Susanty Olson
, US
Jun 12, 2017 10:06 pm EDT

I have been a member of usaa since I was a young airman in 1996. I retired from the air force in 2015 and intentionally took a year off and was then hired on as a legal administrative specialist with the department of veteran affairs.in addition to my new job, I have other income that contribute to my daily living and annual income. finally, I have excellent credit. despite my steady income, proof of longevity in previous employment, new steady and federal employment, and excellent credit, I was informed by usaa that they were unable to complete the mortgage refinancing loan despite the fact that they had preapproved me two and weeks previously. the reason given by the very chipper loan processor for denial was that I had not held my new federal position with the department of veteran affairs for two years or more. a fact that I had let them know from the onset and not told it would be an issue. one of usaa commercials states "you served your country now it is our time for us to serve you"... usaa mortgage policy does not support veterans. what retiree or individual separating from the us military is going to have two years worth of time in a new employment position? none, as we are all starting over! what usaa is indeed conveying is that they are there for military members as long as they are on active duty but the moment we need their support after our time in service, we the soldiers, airmen, sailors and marines can only count on usaa to check out! usaa should reevaluate who their customer really is. I am so disgusted by the way all of this was handled I am contemplating removing most of my affiliation with this company and plan on continuing to express my extreme disappointment in usaa's mortgage process and procedures. piss poor usaa! respect and loyalty are earned from your consumer.in the past there was no one like you...in the present you are a dime a dozen.

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11:04 am EDT

USAA insurance claim denial for loyal customer

I am an honorable discharged disabled veteran of the Vietnam Era and Gulf War. As any veteran with an honorable discharge I carry the motto duty, honor, and country as my platform in life. When I wore the military uniform the country was behind me and the wing master of my density.

As a service member this county has established a moral obligation and that is to take care of their own. When there is a gap it leaves a veteran to think in a different direction. This is exactly what has happen with USAA insurance.

During my active duty period I was an USAA active member and continued the coverage afterwards. The continuation was extended based solely upon their level and professionalism due to their affliction with all military branches. To date, my auto and homeowners insurance policies are active.

I have been a loyal member since the year of 1994. I was betrayed by USAA due to an auto accident that occurred on November 30, 2016. The other party was cited by an officer with Denver police department. A citation was issued to the other individual for carless and reckless driving.

During the accident investigation the opposite party argued with the officer. The individual left the scene of the accident and returned only when the officer phone her asked if she was returning. Prior to leaving the scene the individual used aggressive tacks and profanity towards me for intimidation purposes.

USSA initially used stonewall tact's by stating they could not obtain a copy of the accident. The company demanded that I obtain a copy. I obtained the report and it clear indicates the individual was responsible for the accident by receiving a citation.

The insurance company still refused to make the repairs to my car and had me to talk with a special USAA investigator. He requested I give me another report of the accident although; I had given the company three separate reports of the accident.

USAA requested that I obtain an estimate for the auto repairs from Abra Auto and Body Repair. I complied with the request but was told by the Abra representative that USAA had not provided them any documentation concerning the accident. I received a phone call from Abra after the visit for the estimate stating that USAA needed another estimate therefore, I returned at a different date.

To my surprise upon returning for the second estimate it was not for the fender and bumper damage but an examination of the entire car. The entire interior and exterior was checked for its condition. This included examining the door handles, widows, engine, engine oil, tire treads, etc...). It was basely bumper to bumper inspection as if I was selling or trading the car.

I was told by the Abra representative that USAA who be contacting me for a decision. USAA gave me numerous claim numbers in which none of them could be confirmed when I made phone calls in hopes of repairing my car. In addition to this I sent emails and could not resolve the issue.

A representative from USAA executive office called me and asked me to give him another report of the accident although; I had given those three earlier reports. The executive office called only after I filed grievances with the company.

This accident occurred on November 30, 2016 and USAA has knowingly, willfully, and purposely used delay tact's by stating they could not obtain a copy of the accident report, requested a special investigator, two separate estimates, and executive officer involvement. As an insurer with current active insurance I am being denied due fair and due process.

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12:25 pm EDT

USAA you are not entitled because of your race

The absence of usaa articulated response only suggests a holding principle not remedy the forth coming issue. Their silence has only rubber-stamps the issue and deeply supports their selective racist principles.

As with any company quality services are expected and vital. There is no valued and deeply cherished right than to provide service to military affiliated individuals. However, in some instances a company can abuse their position of authority.

There is an acknowledged constitutional right to be recognized and make an argument. On november 30, 2016 an auto accident occurred in which the other driver was clearly at fault and received a citation for “carless and reckless driving.” this individual just happen to be a “white female” that is insured by usaa insurance. Therefore, this is my fundamental principles of the constitution to make an argument to be recognized.

However it seems that usaa has extended their volume of racist principles for me not to be recognized. This issue only mirrors in microcosm that is overwhelmingly the implications of the truth. This issue deserves recognition as presented herein.

Some free categories of speech can be characterized and used to intimidate individuals. The supreme court defines certain speech words as "fighting words." whether the message is made to make a political point or serve as a base for authority it can become a hallmark of shared ideology. It must be said on the onset of this statement and with clarity that this might be common practice being conducted by select individuals with supremacy principles and beliefs that does not support any legitimacy articulating policies as within a military organization.

The real danger of this issue is the lies and the troubling aspects that are in the implication of discretionary power. As this accident cases proceed down the road usaa decided to investigate me because of the accident. As an african-american former enlisted soldier and military officer I found this to be perplexing being that the other party “white privileged female” in usaa eyes that received the citation.

This individual left the scene of an accident and argued with a uniform police officer upon her return. The officer that to make a phone call to her to return back to the scene of the accident. She became a confrontational with him and apparently realized that her challenge of white supremacy principles and beliefs did not support her.

After balancing his compelling constitutional right that clearly subjectively and validated her ignorance she realized she was being cited. She had no probable cause or no real significant reason for her actions only that I was an african-american male that did not have any outstanding warrants or arrests.
She seemed to feel the need impose a judicially created rule that she was entitle to be right and was automatically right. Yes, it is an acknowledged constitutional right that a principle can be established for a rational basis but when it rises to a level of a fundamental racism it’s wrong.
Her intendedly misrepresented of the facts has lead usaa to false implies of the facts in order to preserve the repairs of my car. To date, my car has still not been repaired. I was initially told to take the care to abra auto body and repair shop. Upon arriving at the shop and completing the estimate process I was told usaa had not completed the document process. Therefore, I was informed to return at a later time in which I complied.
The representative told me that the car did not have valid insurance which are set to be renewed in august 2018. I was given several different claim numbers in which none of them was valid. Several telephones were made to usaa representatives and the executive office. I was told different versions of the transaction and stonewalled on every aspect. If you served in the military we all know the phrase “the check is in the mail.” well, this one has never arrived since november 30, 2016.
As clearly indicated by the facts herein usaa only adheres to race rules that has been established and conducted by them accordingly. They only reopen the wounds of my past history that judged me solely by my skin color. The racist practice only deepens the wounds of my experience of the following:
1. Jim crow and civil rights era of childhood.
2. Discrimination, racism, and oppression by the military.
3. Decades of active duty military racism.
4. U. S. Army reserves racism by oppressors.

I will not accept usaa facts of racism that does not value their own me an ensured driver. I have served this county with duty, honor and pride. There are civilians employed within usaa that has never put on a military uniform and does not know the price of freedom to be denied service!

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1:05 pm EDT

USAA usaa is a ripoff - don't believe the veneer of "friendly customer service" - life, auto, home, umbrella

USAA is a RIPOFF - Don't believe the vainer of "friendly customer Service" I'm 30+ year customer...since 1991 with monthly "nobody will notice" ACH transfers of term life premiums ratcheting up year after year, I had enough. The premiums for the coverage were ridiculous. After speaking with a USAA representative I cancelled the policy. Guess what, the NEXT DAY I received a USAA bill in the mail for ~$200.00 for the next 4 months of premiums! After speaking and trying to speak with 6 USAA representatives over 6 weeks I finally get a "super helpful lead" named Lydia (x73264) who lectured me about life, told me about a 2005 letter USAA sent me but nothing about my refund. Lydia, with no hesitation, admitted the premiums were ridiculously high and I was basically an idiot for being a long time customer of USAA and purchasing this policy in 1991! Lydia did a fantastic job of making a 30+ year USAA customer FEEL LIKE A BEAT UP UNITED AIRLINES PASSENGER! I asked about my other policies being overpriced and she said I better review them too. Going shopping tonight. Horrible

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4:00 pm EDT

USAA claim

I was hit By a policy holder in SWFL in September 2016 and I was actually the third car at at red light. a report was filed, estimate gotten everything done right. The second car never called in and then . the policy holder would not return the company calls supposedly. I have given then ample time to contact everyone involved and now it is April and I still do not have my car fixed. I should not have to pay my own deductible to get my car fixed then have my insurance company sue to get USSA to get it back, I am sorry but this company (that I have called a dozen times and every time I called and spoke with upper management ) is very corrupt company. There is no reason that this company was receiving payment from a client to cover him or another vehicle and then not pay the claim. thank you Brandy Rourk North Fort Myers

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8:00 pm EDT

USAA banking, customer service!

To whom it may concern, my name is anton montgomery and this bank has held my funds hostage for 3 days! I just lost a love one and was trying too get a limit increase so i could pay the funeral home. The limit was increased then my account was blocked by the fraud team! They asked me too send in verifying documents and i did, multiple time to be exact! Because i'm in a time sensitive situation. So one of the 17 reps that i spoke with was a very rude young lady and she asked me"where you get all this money from" i'm thinking like real.. Her not knowing it's insurance settlement from my dad, who died last year. I never felt so disrespected, belittled, borderline criminalist! That's the way she made me feel. This bank has no compassion, loyalty or morals! I need to bury my family and they have all the verifying documents too prove im me, i need help, i had to miss work for 3 days because all my funds are in the bank, then they threaten to close my account or in there words "no longer which too continue a relationship" so why not close my account and send me my check?!? No type of help! Matthew a usaa rep, his customer service is horrible very rude, smug, irate!
The last rep i spoke with was awesome, although my account is still blocked, he spoke with compassion and wanted to help. But it was out of his hands! Am i a victim of financial profiling? I will be contacting some one with authority outside of ussa. To fix this situation! I hate this bank, and if i'm homeless or hurt usaa would give a care!
Pissed off customer with the family member that just passed and he cant bury them because usaa has my funds on hold for no valid reason!
Anton montgomery

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4:18 pm EDT

USAA auto insurance claims

03/09/2017 9:40pm usaa insured driver made an improper lane change into my vehicle resulting in significant damage
03/10/2017 initial call to submit claim; kimberly clarke, usaa claim rep, to call back with next steps
03/13/2017 2:08pm vm for k clarke
03/14/2017 12:14pm vm from k clarke, provided contact info and claim #[protected]
03/14/2017 3:35pm vm for k clarke
03/15/2017 2:29pm vm for k clarke
03/16/2017 2:40pm farmers insurance vm for k clarke
03/22/2017 12:30pm vm for k clarke
Response required

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11:43 am EST

USAA credit card security

I have been a USAA member for over 25 years. For most of this time I thought they were a first class outfit. No more.In Jan. 2017, someone was able to hack my account at USAA and request a credit card be sent overnight to them. They were able to activate the card and charge over $2, 800 to it. I had received an email notifying me my new cards had been sent fedex to me. Since I did not request new cards I called USAA and notified them of the fraud, the tracking number had an address in Georgia, I live in Maine. The credit cards were cancelled. We set up new passwords and security measures and then verified all of my personal information in their system. New credit cards were mailed out. After a week I had not received them, I called USAA and asked them to verify the address they had mailed the cards to. THEY HAD MAILED THEM TO THE HACKER! It was the address in Georgia I had seen on the fedex tracking number for the first set of cards they had sent to the hacker. The false address was still somewhere in their system. How dos this happen? I have had my identity compromised, have had to file fraud reports, reports to the IRS, sign affidavits, etc. due to no fault of mine. This is serious and they have holes in their security that cause me deep concern.

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6:31 pm EST

USAA usaa false advertising

I have complained multiple times. The Josh Eilers TV commercial shows him leaning on an A-10 while wearing flight gear. I applaud Eilers for his service; however, he has never flown an A-10. I have as have many of your customers and I, and they, find the commercial disgusting and not of the usual USAA standards. I have been a member for over 50 years, but I can no longer trust USAA.
USAA should expect a class action suit in the near future if the commercial isn't pulled.
I did receive a call after my most recent complaint; however, the explanation was totally inadequate and could not possibly be perceived when watching the commercial.
PLEASE FIX IT, I DON'T WANT TO CHANGE MY INSURANCE, BUT I WILL IF IT IS NOT CORRECTED.

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1:12 pm EST

USAA homeowners personal property

Claim # [protected]-90C-002
My wife's wedding ring had the center stone fallout and was lost. After entering a claim for repair and supplying quotes as we were directed to do so, you decided to have your own internal gemologist provide the actual replacement and repair cost that was only 1/3 of a reputable jeweler. They did not use the one we provided and we had no choice. They wanted us to mail the wedding in ring so they could repair it. We did not do this because if it gets lost in the mail, you cannot replace the sentimental value. The manager Ken Shaffer was not open to options but only his (USAA) option. This is poor customer satisfaction. I pay over $3, 800 annually for homeowners and auto insurance and they want to cheat us out of a repair that would be another $1600. Plus I just had commercial insurance quoted through USAA last week and was going to move forward which was another $1500 /yr. You will see this in our policy/file I am sure.

Not a good way to treat a veteran and you state how important were are to you.

We will now be moving all our insurance needs to another provider, as I have to come up with the additional cost to have it repair to OUR satisfaction, not yours!
What a way to do business and make the customer happy as you so advertise. Again, the commercials are paid to state that.

I am not providing all the associated document as requested on the form as you already have it all. I have spent time doing it already and getting quotes and it meant nothing.

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9:55 am EST

USAA banking

The over the phone process has me going back and forth between departments and every time I have to verify who I am, also whenever I am transferred to a new representative they have no idea what's going on because the previous person did not tell them. Then when I am trying to be authenticated they want the last four of card which I don't have because they told me to cut it up because it was cancelled. This starts the whole process over again and now I have been on the phone for 2 hours. Also there is no supervisor I can speak with, at least that's what I'm told by each person I talk to. I know this may be trivial but I think its absolutely ridiculous how this process takes place. There is no issue to resolve other than having USAA change their policy on this type of thing.

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12:09 pm EST

USAA pay in full plan

My name is Rachel Evans, I'm a member w/ USAA and have been for 10+ years. I am so upset w/ this company, and how they treat their members by doing very sneaky things. Upon me looking into my 6 month renewal policy on 1/17/17 I noticed I was subjected to a pay in full plan which is something I DID NOT agree to or was even aware about. After speaking w/ a rep by the name of Elton (he was very unprofessional) and then w/ a supervisor Andrew informed me because I had a few late payments last year (which I always informed USAA and never had a cancelation) that I was subjected to a pay in full plan or to do automatic payments to avoid it. I'm so angry and feel very fooled by this insurance company who I always thought so highly of, I definitely don't feel that way now and can see just how money hungry they truly are. Sometimes in life things happen but at least I always took the time to call USAA and let them know in advance about any late payments I was going to have to make and they always had my word on that day that they were going to get paid! They still took my money without any issues but failed to let one of their valued members know about something like this. I'm disgusted w/ this company beyond words and fed up to the Max, this is NOT fair at all and in the line of customer service is NOT how you treat someone who has stuck w/ you for 10+ years! Something should be done about this bc this is just not right!

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10:20 am EST
Verified customer This complaint was posted by a verified customer. Learn more

USAA investments

On january 9, 2016, I called usaa investments and spoke with a rep based in phoenix, az about investing $70, 000 with them; the rep said he'd get back to me in a day or two with recommendations and steps to proceed. A week and a half later, still nothing, even after calling and leaving messages on his direct line, twice; and sending him an email. I called the central # after a week and a half to complain; this rep assured me he'd have a supervisor contact me, but 24 hours later, still no response.

I've been a lifelong member of usaa, but my short experience with their investment group and the bad reviews the investment group has me wondering.

What's wrong? To date over the years with them - 50+ years, service has been sterling. Not with this group. I just want a callback and a good explanation.

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6:42 pm EST

USAA claim number: [protected]-7101-8 auto accident 01-05-2017

Today I had an automobile accident. I have been assigned claim representative matthew morelo. I want another claim representative to be assigned to my claim. A third parties listened to my conversation with mr. Morelo and their remarks were, “we do not know who was the most arrogant you (Me) or the other guy. ” difference is I am a customer/member and mr. Morelo upholds the good reputation of usaa. I held a florida independent all lines adjuster license for 12 years, [protected], license: e48540. This is the first time I have been disrespected to this degree. I even worked claims for usaa during the 2004 & 2005 hurricanes. I thank you in advance.

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2:41 pm EST

USAA car insurance

I was with State Farm for 10 years and had a great, low rate with a loyalty discount, too. I switched to USAA in August 2016 because I had purchased a (new to me) preowned car. I specifically told them about the great rate I was already getting which included a discount for my loyalty and asked if they were going to jack up the rates after my first 6 months. Sure enough, 4 months into my 6 month policy term, I get a renewal which states my policy is increasing by $85. When I phoned the company to find out why, I was told everyone in CT got an increase. I asked if this was only with USAA or with all companies and she said only USAA. I told her that sounds like bait and switch to me and I'm going to file a complaint which I'm keeping my word on. If I'd known they would pull a bait and switch, I never would have left a company that I was with for more than 10 years with no issues

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9:11 am EST
Verified customer This complaint was posted by a verified customer. Learn more

USAA supplemental medicare insurance

I changed supplemental Medicare insurance companies from USAA, and they kept charging my account, despite my notifications I had other insurance - which I think they threw into the trash. Five months later they call, and are willing to refund two of the five months.
I had other insurance, their insurance of me was all in their mind and their paperwork - no claims.
My fault! I thought they were honorable. I SHOULD have notified my credit union to disallow their automatic charge - because they aren't honorable.
Carrying me on their roles as insured costs them nothing, but they want @ $435 for doing so.
Maybe they started out as vet officer friendly. Grew, added formerly enlisted, as fodder to screw over.

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3:52 pm EST

USAA claims representative

Jameson Leak is an aggressive, intimating, ill-mannered agent who talks very fast and very loud. Every time I speak with him, he is sarcastic, keeps talking around me and it is difficult to get a word in. He challenges everything I say and rather than slowing down and lowering his voice (as I asked him to do), he continues to interrupt. He is either ill-trained or very immature. He seeks to intimidate and rather than explain and help, bullies me. I am appalled that USAA would have someone like this in their hire. He seems to need training in communication, respect for others, and perhaps knowledge. He refuses to communicate with me via email as I requested (I am 72, have severe tinnitus and do not do well on the phone.) He is an obnoxious young man who leaves me shaking every time I must communicate with him. Admittedly, I started out being polite with him. I have long gone past that point. He has made the trauma of my accident much worse than it needed to be. I am ill from my interactions with USAA.

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8:40 pm EST

USAA part 1: usaa and ccc consumer fraud, rico act violation

Dear USAA member,

My family entrusted USAA with our earnings, savings, house and car insurance for the last 30+ years.
Last week my wife's car got totaled by a driver running a red traffic light. The driver admitted his fault and was ticketed by the police.

USAA is using CCC for the primary purpose of minimizing monies paid out by insurers to its fiduciaries. USAA is not accepting KBB, NADA, etc. for an independent and fair market price evaluation. By relying upon CCC’s intentionally low valuation of my vehicle, USAA is breaching its fiduciary duty to act in good faith in handling my claim.

It's all about profits - nothing personal. Now it is my turn.

Dear USAA member, please don't let USAA get away with this. Fight back. Know your rights. Share your experience. File a complain with the Colorado Department of Regulatory Agencies.

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Update by CCC-One
Nov 14, 2016 8:43 pm EST

Dear USAA member,

2 weeks have passed since I first posted my "USAA and CCC Consumer Fraud, RICO Act Violation" message and it is time for an update.

What pappend:
- On 8/8/16 our car got totaled by a driver running a red traffic light. The driver admitted his fault, was ticketed and his insurance NAPAC confirmed 100% fault.
- We received a Market Valuation Report from USAA prepared by CCC One. We rejected USAA CCC report and the settlement offer. Our USAA adjusters could only be reached via USAA online chat sytem.
- Filed a complain with the Colorado Department of Regulatory Agencies.
- We posted "USAA and CCC Consumer Fraud, RICO Act Violation" at USAA member community online.
https://communities.usaa.com/t5/Auto-and-Property-Insurance/USAA-and-CCC-Consumer-Fraud-RICO-Act-Vio...
- We were contacted by a USAA Advocacy & Resolution Team Staff Operations. They again determined the ACV of our car with CCC which again could only find rental and unsellable lease cars standing on the dealers lot for many month. They again refused an ACV evaluation approach based on KBB, NADA, EDMUNDS, etc. but they were very hopeful that a resolution can be found. As it turned out no resolution was found.
- Filed a complain with the Colorado Office of the Attorney General.

Remember, this is a simple total lost car accident with USAA acting as middle man for ANPAC. ANPAC confirmed that their client is 100% at fault. USAA CCC is low balling our claim and wants us to pay thousands of dollars out of pocket for a comparable replacement car.

Does this all make any sense to you? It's all about profits - nothing personal.

Some useful resources:
USAA auto policy part D.
"The actual cash value of any auto is the amount that it would cost, at the time of loss, to buy a comparable vehicle. A comparable vehicle is one of the same make, model, model year, body type and options with substantially similar mileage and physical condition".
http://www.usaafraud.com/
http://insurancetides.com/ccc-valuescope-usaa-conspiring-to-defraud-committing-rico-act-violations/
http://www.certifiedautoappraisers.com/cccarticle.html
http://expose-behindthescene.blogspot.com/2010/08/ccc-valuescope-cccg.html

Dear USAA member, I am sorry but USAA has changed - it's all about profits - nothing personal.
Please let USAA know that this is not what you have signed up for.

Update by CCC-One
Nov 14, 2016 8:46 pm EST

Dear USAA member,

12 weeks have now passed since our car was totaled.

Situation:
We entrusted USAA for 38 years with our investments, banking and insurance needs.
We didn't filed a car claim for 15+ years.
The others parties insurance NAPC (third part) confirmed 100% fault.
USAA (first party) is acting as middle man for NAPAC.

What have I learned:
- 80% of all car insurances outsource there 'total lost claims' to CCC-One.
- CCC-One services are designed to low ball your ACV claim by 30%.
- CCC-One collects data about cars from all kinds of unverifiable resources.
- USAA and CCC-One are constantly settling law suits for low balling claims everywhere.
- USAA will not verify any data give to or received from CCC-One (like car condition, your ACV, etc.).
- USAA will not physically inspect your car to determine its condition, upgrades, etc.
- USAA adjusters are pooled, are not reachable, will not call back, provide misleading information.
- USAA will not work with you. It's all outsourced to CCC-One!

- USAA has breached its duty to exercise the utmost good faith to me its insured. So what? Get in line and file a law suite.
- Filing a complain with the State Insurance Agency (DORA) was great but DORA has not clue what is going on.
- Posting my experience online was a great and I would like to recommend that to all members.

- Don't wast your time. Get an appraiser/adjuster or lawyer or bite the bullet.
- Let USAA know what you think about them and do what needs to be done.

Don't believe USAA cares - it's all about profits - nothing personal.

Summery:
- 80% of all car insurances outsource to CCC-One and provide identical appraisals, settlements offers, ACV, etc.
- USAA will low ball your total loss claim ACV by at least 30%.
- USAA will not work with you. It's all outsourced to CCC-One!
- It will cost you lots of time and money to deal with USAA.
- File a complain with your State Insurance Agency.
- Get your own appraiser/adjuster ($700+) and let them work with USAA.
- If you are injured. Get your own lawyer immediately or you will regret it!
- After 2 month USAA will try to close your claim. All done!
- Some other car insurances offer 'a car replacement' insurance.
- The system is rigged. No law suite will be able to stop this very lucrative scam.
- It's all about profits - nothing personal.

References:
https://communities.usaa.com/t5/Auto-and-Property-Insurance/USAA-and-CCC-Consumer-Fraud-RICO-Act-Vio...
https://communities.usaa.com/t5/Auto-and-Property-Insurance/Part-2-USAA-and-CCC-Consumer-Fraud-RICO-...
http://www.usaafraud.com/
http://insurancetides.com/ccc-valuescope-usaa-conspiring-to-defraud-committing-rico-act-violations/
http://www.certifiedautoappraisers.com/cccarticle.html
http://expose-behindthescene.blogspot.com/2010/08/ccc-valuescope-cccg.html
http://paulfdavis.com/site/usaa-and-ccc-valuescope-consumer-fraud-complaint-to-fbi-director-robert-mueller-iii/

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USAA Customer Reviews Overview

USAA, short for United Services Automobile Association, offers a range of financial services tailored primarily for military members, veterans, and their families. Their offerings include insurance products such as auto, home, and life insurance, as well as banking services like checking and savings accounts, credit cards, and loans. Additionally, USAA provides investment and retirement planning services. The company is known for its focus on serving the unique needs of the military community.

USAA In-depth Review

Overview of USAA: USAA is a reputable financial institution that offers a wide range of products and services to its members. With a focus on serving military members and their families, USAA has built a strong reputation for its commitment to customer service and support.

Membership and Eligibility: USAA membership is available to active, retired, and honorably discharged military personnel, as well as their eligible family members. This includes spouses, children, and widows/widowers of military members. Membership eligibility is also extended to cadets and midshipmen at U.S. service academies.

Products and Services Offered: USAA offers a comprehensive suite of financial products and services, including banking, insurance, investments, mortgages, and loans. Members can access a variety of checking and savings accounts, credit cards, auto loans, and home loans, as well as investment and retirement services.

Customer Service and Support: USAA is known for its exceptional customer service and support. Members have access to a dedicated team of representatives who are available 24/7 to assist with any questions or concerns. USAA also provides online resources, including FAQs and educational materials, to help members make informed financial decisions.

Online and Mobile Banking Experience: USAA offers a user-friendly online and mobile banking experience. Members can easily manage their accounts, transfer funds, pay bills, and deposit checks using the USAA website or mobile app. The platform also provides access to financial tools and resources to help members track their spending and savings goals.

Insurance Coverage and Policies: USAA is well-known for its insurance offerings, including auto, home, renters, and life insurance. Members can customize their coverage to meet their specific needs and take advantage of competitive rates and discounts. USAA's insurance policies are highly rated for their comprehensive coverage and excellent claims service.

Investment and Retirement Services: USAA provides a range of investment and retirement services to help members plan for their financial future. From individual retirement accounts (IRAs) to mutual funds and managed portfolios, USAA offers a variety of investment options to suit different risk tolerances and goals.

Mortgage and Home Loan Options: USAA offers competitive mortgage and home loan options for members looking to purchase or refinance a home. With flexible terms and low interest rates, USAA provides members with the tools and resources they need to navigate the homebuying process with confidence.

Auto Loans and Financing: USAA offers auto loans and financing options for members looking to purchase a new or used vehicle. With competitive rates and flexible terms, USAA makes it easy for members to get behind the wheel of their dream car.

Credit Cards and Rewards Programs: USAA offers a variety of credit cards with competitive interest rates and rewards programs. Members can earn cash back, travel rewards, and other perks for their everyday purchases.

Financial Planning and Advice: USAA provides members with access to financial planning and advice services. Whether members are looking to create a budget, save for retirement, or plan for major life events, USAA's financial advisors can provide personalized guidance and recommendations.

Security and Privacy Measures: USAA prioritizes the security and privacy of its members' information. The institution employs advanced encryption and authentication measures to protect against unauthorized access. USAA also offers additional security features, such as two-factor authentication and identity theft protection.

Pricing and Fees: USAA strives to offer competitive pricing and transparent fee structures for its products and services. Members can review the terms and conditions of each product to understand any associated fees or charges.

Accessibility and Convenience: USAA provides members with convenient access to their accounts and services. With a robust online and mobile banking platform, members can manage their finances from anywhere at any time. USAA also has a network of ATMs and partner banks for easy cash withdrawals and deposits.

Reputation and Trustworthiness: USAA has built a strong reputation for its commitment to its members and their financial well-being. With high customer satisfaction ratings and a long history of serving the military community, USAA is widely regarded as a trustworthy and reliable financial institution.

Pros and Cons: Pros of USAA include its exceptional customer service, comprehensive product offerings, and commitment to the military community. However, some potential cons may include limited membership eligibility and availability of physical branch locations.

Conclusion and Recommendation: Overall, USAA is a highly recommended financial institution for military members and their families. With its wide range of products and services, exceptional customer service, and commitment to the military community, USAA is a trusted partner for all of your financial needs.

How to file a complaint about USAA?

1. Log in or create an account: Ensure you are logged in to your ComplaintsBoard.com account. If you do not have an account, please register by providing the necessary information in the sign-up form.

2. Navigating to the complaint form: Once logged in, locate the 'File a Complaint' button situated at the top right corner of the website and click on it to access the complaint form.

3. Writing the title: In the 'Complaint Title' field, concisely summarize the main issue you have encountered with USAA. Make it specific and clear, such as "Unauthorized Account Charges at USAA" or "USAA Insurance Claim Delay".

4. Detailing the experience: In the complaint description, provide a detailed account of your experience. Mention specific services or products you used, such as banking, insurance, or investment services. Describe the nature of the issue, including dates, amounts, and any relevant policy or account numbers (avoid sharing full personal account numbers for security reasons). If you attempted to resolve the issue with USAA, include the steps you took, the responses received, and the timeline of events. Explain how this issue has personally affected you, such as financial loss or stress.

5. Attaching supporting documents: Attach any relevant documents that support your complaint, such as correspondence with USAA, receipts, or statements. Do not include sensitive personal information like social security numbers or full account numbers that could compromise your security.

6. Filling optional fields: Use the 'Claimed Loss' field to quantify any financial losses you have incurred due to the issue. In the 'Desired Outcome' field, clearly state what resolution you are seeking from USAA, whether it's a refund, an apology, or corrective action.

7. Review before submission: Carefully review your complaint for clarity, accuracy, and completeness. Ensure that your description is coherent and that all the facts are correct to the best of your knowledge.

8. Submission process: After reviewing your complaint, click the 'Submit' button to file your complaint against USAA on ComplaintsBoard.com.

9. Post-Submission Actions: Keep an eye on your ComplaintsBoard.com account for any responses or updates regarding your complaint. Be prepared to engage in further communication if necessary to resolve your issue with USAA.

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Contact USAA customer service

Phone numbers

1800 531 8722 +1 (210) 531-8722 More phone numbers

Website

www.usaa.com

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