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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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3:32 am EST
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USAA harrassing collection

I just got off the phone with harrassing USAA agent and I have experienced the same 15 or more calls a day, and I mostly ignore, but my Dad called me and said they were now calling him and he is 83 years old and doesn't need this. There is got to be a way to file class action lawsuit against this type of harrassment. I'm retired military and have been with USAA for more than 20 years. ANYONE READING THIS DO NOT DO BUSINESS WITH USAA! CONTRARY TO WHAT THEY ESPOUSE THEY DO NOT SUPPORT OR SERVE US SERVICEMEMBERS. I intend to divest all insurance, banking, etc. business with them as soon as I am past my current situation, and I advise all current customers to do the same. If you are even considering home mortgage, car, life, home owner's insurance or any business with USAA-DO NOT DO IT! You will regret it after one incident. It's truly a sad state of affairs. I wonder do the retired Flag Officers that comprise their Board of Directors know the extent of how they really treat their military customers, or maybe they are the one's leading the charge to harrass. Any attorney reading this and the many other harrassment complaints against USAA, you probably have a very solid case for joining us all together and filing a class action lawsuit against this reprehensible behavior!

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PatandTasha
Friendswood, US
Dec 05, 2011 3:10 pm EST

One last thing. Stealth... I hope you never have to have hardship put upon you like many many of American's have in the last 3 years. I hope you never have to chose between the roof over your head, utilities, and food for your children instead of paying a credit card bill. I hope whomever you work for never cuts your pay in half when you have three kids to feed, and I hope you never see how much your words can hurt those like my family that sucked it up and paid down all the credit cards month by month by working extra hours and NEVER spending money on anything other than food and bills. We could have just filed bankruptcy... we could have cried to the government for aid and food stamps but we stood strong and sucked it up. We may pay late but we pay.

Lastly... of all the things I hope you never have to go through... I do hope you find some class and a bar of soap and clean your mouth out. Geeze... use slang like WTF or WTH at least. A 10 year old I am watching for a friend was reading over my shoulder and saw that!

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PatandTasha
Friendswood, US
Dec 05, 2011 2:57 pm EST

oh one last thing... I live in their state so their calls past 10pm and on weekends are against the law. I have been a member of USAA for over 18 years and last year after the harassment started I closed all accounts I could (obviously not credit cards) and found new banks and credit unions to give my business too and I am not the only person I know who has done this.

ps... The customer service SUCKS bigtime since the new CEO took over. They used to be AMAZING and now they are calling ATnT or something.

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PatandTasha
Friendswood, US
Dec 05, 2011 2:53 pm EST

I have on average 12 calls per day from USAA from the same exact department which is their collections team for credit cards. 10 of the 12 calls I sit there and say hello until is disconnects and then I get the loud EH EH EH EH in my freaking ear. One time they called me for a week straight and my stupid bill was not even due yet! When I finally picked up and chewed a butt off they said that they were called to see if I was going to pay it.

They start calling my home with 3 sleeping babies at 8am and they sometimes calling into the night after 9pm, but of course those calls are the hang up and get my ear assaulted off by the EH EH EH. They even call and hang up in my ears on weekends... Sunday included! But if you try to call the number back it says that they are closed. WTF?

Four months ago we paid one of our USAA credit cards off in cash... 12000.00 and yes... I have the right amount of zeros.. 12, 000.00 in cash and we had a remaining balance of 150.00. I was called 3 weeks later wondering where the payment was! I asked if the 12, 0000.00 was not enough and they said I still had to make my monthly payment!

I have tried being nice, yelling, cursing, and using the cease and desist and they laughingly told me that being in Texas they do not have to follow the cease and desist law. One time they had the balls to ask me... I am no kidding either... they had the balls to ask me why I wasn't working, then another time they told me that I needed to take better care of my finances. Like how... you can't get blood from a turnip! We have been through hell over the last 3 years from my husband getting a total now of 6 paycuts, 1 hurricane that causes 30, 000.00 worth of damage to our home, and 2 flood that costs us thousands! (and yes... we have all the insurance... but those deductibles are 1000.00 each occurrence not to mention that there is no way around their depreciation taken out of the amount needed for repairs.) Sometimes you just don't have the money to pay a credit card when the month is tight and nowadays with our income cut by over 40, 000.00 per year... we just can't pay their insane late fees and high interest charges for being late.

I have been harassed non stop for years from them and if there is ever a lawsuit please please contact me because I want to be in the top 10 on the list! Email me at patandtasha@earthlink.net

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3:13 pm EST
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USAA auto accident

I was just recently involved in a rear end collision with a lady that has USAA. This is a military insurance. For one they are hard to get a hold of and you can t even interact with them online at all. You have to a member. It seems like they dont want to help me in any way. I was the victim in this accident and I get treated like it was my fault. My boyfriend hurt his foot pretty bad and USAA says that because it isnt a major injury they wont pay for his medical bills or nothing. It was an injury that was involved in that accident therefore it should be paid for by USAA. Now he has to go to work and work on his foot and its not safe because he cant get nothing done about his foot. Now they are wanting to total my car out therefore Im left without a vehicle right now and Im pregnant and I have a month old son. They are wanting to give me a check for the book value of my car but I have to wait forever to get it. This will be the money that I use to get my new vehicle with. They offered us a rental until we get get the check but they wont pay for the insurance on the rental car; they should because this accident was not my fault. I would understand if I hit her but I didnt do anything wrong therefore everything should be paid for.

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USAAwontPAY
Manahawkin, US
Feb 21, 2015 7:45 am EST

The same this is happening to us, getting smashed by an insured of USAA. The entire process, they have been very difficult to contact. No callbacks, losing paperwork, or just no answers at all. The claims representatives (IF you can get ahold of them) are rude and very quick to get an attitude when you disagree with them. That are making us pay over $400 in rental car insurance combined with $90 for half of the front bumper that their insured DESTROYED. Yes we know it had a crack in it, but it worked fine before the accident! We are disgusted that a company with a reputation this good could be so terrible to VICTIMS of accidents that that are responsible for! Why should we be responsible for ANY monetary responsibility when it was their insureds negligence that caused this ordeal?

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4:41 pm EST

USAA not fair in valuation

We were involved in an accident with a vehicle that has a branded title of "Lemon Law Buyback". USAA will not reimburse us with an Actual Valuation Report fairly as they are using a "Salvage Title" valuation report. USAA should not charge a full price of comp coverage if they only intend to pay out 1/2 the worth because of the title if the vehicle is involved in an accident. There are differences between the "Lemon Law" and "Salvage Title", why isn't there a difference in the Valuation Report. The Valuation Report provided by USAA has "Salvage Title" on the top. They offer no explanation as to why they took my money to get full coverage buy only offer half on a claim. Has anyone else had anything similar?

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12:59 pm EST

USAA bait and switch

I was offered an acceptable refinance rate for my VA mortgage on my initial conversation with USAA and agreed to have them take $350 from my checking account. When they called to follow up the deal, they said that I didn't qualify for the rate I was promised and that I would have to pay a higher rate, which was unacceptable to me. When I told USAA that the new rate wouldn't work for me, they promised to refund my $350. Three weeks have passed, and they have not done so, even though I have called them numerous times. I was told that they do not refund this money and that they are waiting for the finance department to get a response. If you look on their website, they have no number for customer service or way to launch a complaint. They are obviously trying to make it hard for customers with complaints to talk to them. I originally had problems with USAA's mortgage department with my first mortgage with them three years ago, so this is not the first time I've had problems with them. It will be the last time.

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3:10 pm EST
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USAA ripping off my checking account

My complaint is this. I have been a member of USAA for many years and I've always paid my bills on time, as well as kept an accurate checking account register, but the odd thing is, I always came out with money available in my account when I used my own checkregister in paper and with Quicken Online. Somehow, USAA manages to short my account and double charges me for debit transactions, eventually overdrawing my account and then charging me get this 29.00 for a 12.00 check written for a Tricare Copay when there was 45.00 in the account. Albeit a small amount but its been a tough year. But folks, 12.00 from 40.00 is 28.00. They charged me $29.00 and consequently overdrew my account with the overdraft fee. Has anyone else witnessed this? I'm changing my bank for awhile to see if its just me or if USAA is engaging in deceiptful banking practices. Up till this year, I've never really had a problem but I've always suspected there is less money in the account than my check register shows. I'm very good at recording all transactions, including debit cards.

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12:45 pm EST

USAA mortgage refinance - service at all time low

Watch out for USAA Mortgage Services and especially for refinancing. I refinanced with them a year or so ago and had no problems. This time it was a frustrating and stressful experience. I thought maybe I was overreacting and going nuts, but after searching online and seeing the large amounts of recent complaints, I knew this wasn't an isolated incident. For any of you other USAA members, if you go to mortgage services take a look at the reviews for refinance. You'll notice that the reviews default to sorting by highest rating to lowest...pretty funny. If you sort by date posted, you'll see that the majority of the last posts are all 1 star.

My experience echoes all the other bad ones that have been posted recently.

Poor communication, several rescheduled closing dates, no notification of cancellations or last minute (literally) cancellations, and the terms trying to be changed. Just like another individual posted, USAA was so tardy in finalizing paperwork, especially documents and information that they could have and SHOULD have gathered weeks earlier, that it caused the rate lock to expire and they had the NERVE to tell me I was responsible for fees for rate extensions or I would have to re-lock a new rate, oh and the rates were much higher (Why would I refinance now?). Well after several calls with a "supervisor", telling them 1) I will not pay any fees 2) you will pay to have my rate extended 3) Get me in the loop or I am out and taking all my business away from USAA, communication became a little better. Oh wait, no it didn't, the supervisor blew me off, never heard from him again, and the NEXT manager in line above was the one that contacted me and seemed to get things back on track. Only then did communication reach the level of what I would expect from USAA or any other financial institution.

In conclusion, over experience was POOR, WAYYYY below what I would expect from USAA. Having seen all the other similar experiences, I am not sure that I will be going back to USAA with my mortgage needs if this is how their level of service has become. I am very disappointed with USAA. For anyone else with a similar experience and suffering the same frustrating lack of communication and the closing being drug out at the expense of changing around work schedules etc to meet signing dates only to be canceled last minute, make sure to keep bugging them. Ask to speak to a supervisor or manager, if that one is not helping, get the next one above you, and above all, if the processor tries to make you accept different terms to cover for their tardiness and errors, do not accept it even if they throw the "it was only a good faith estimate." There are plenty of other lenders out there, and if they don't want to honor what they agreed to or at least close, just tell them you want what you agreed to or you are terminating pursuing a loan with them...amazing how that changes everything.

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JJ27
San Antonio, US
Mar 07, 2011 8:43 pm EST

We attempted refinancing back in August 2010; by November we had to throw in the towel..the service was deplorable, when our loan processor stopped returning our calls, we started dealing w/the supervisor, she listened to us and tried to help for a day or two, but the she stopped calling us as well. We went as far as the director trying to close, but at some point everyone just stopped returning our calls; the closing date was pushed back 5 times, and that was when we cut our losses. We did get our $400 application fee back, but that is the only good thing I can say. 3 months wasted. We are 20 year members, and we WILL be taking all of our other business elsewhere. I'm posting my complaint here, because they refused to post it on their website. I'm guessing the number of complaints is in the 1000's, and they are only posting a small % of the negative feedback.

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3:40 am EST
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USAA I need a place to be heard

As a preface, I turned to USAA after my local bank... I don't have words to describe it... Failed. A very long story that ends with in response to my questions about closing costs, ...Look I'm trying to get to the lake. Do you want to sign it or not? This was the branch manager.

I'm a first time home buyer in my 40's. Military. Back to school at 30. I heard about USAA through my parents but did not qualify until just recently. No problem with my credit.

First, USAA need more information and more verification. Loop after loop, hoop after hoop. It's been about 6 months and I don't want to recall to many specifics. Horrible.

Big picture; The closing date was moved multiple times. On at least 5 occasions, the date was extended because they needed more verification for VA (like you do on the first phone call) or their inaction led to the delay. Some of the time I could get my rep to level with me and say that they were at fault. Most of the time they were quick to place the blame on my Realtor, the seller, the seller's Realtor, myself, etc. I caught them in a lot of lies which includes today and why I'm posting (venting). How many times did I have to arrange and rearrange moving details? How many times did I have to call my landlord saying that it didn't go through again and the family that wants to move into his rental, that moved from out of state, had to live in a hotel until USAA could get the act together. I ended up moving the majority of the house myself because I had no idea when we would actually close.

Questions about closing costs. Seems such a simple topic yet, just like my local bank, I got misinformation, blame, inaction, different numbers, never a straight answer and passed on to the next person with no answers every time with numbers that never added up. I am engineer. I enjoy math. It should make sense.

Closing; The last attempt at finally closing, (how many time did we have to amend/rewrite the contract?) We told USAA how about Tuesday, Wednesday or Thursday of that week (that is actually in the contract!). We closed on the Wednesday, but, USAA would not release the money pending further VA verification (stuff that had been taken care of long ago). I had to call them persistently to get it done by Friday otherwise it may have taken a week or more because again they forgot to do something. I thought it was never was going to end and I was right.

Like today, I found the only way I could get them to do anything was to keep calling back until I got someone that would actually help me because supervisors have a 24 to 48 response time. Today, I gave up and asked to speak with someone about lodging a complaint and the customer service person was wonderful and actually fixed my problem (kind of) after trying for 2 hours. This is usually about the time it takes me to resolve these post mortgage issues.

Escrow; Again numbers changing, I found one helpful rep in this area just recently. Insurance, insured for more than 4 times what I am buying it for. Double billing which they quickly fixed. It really feels like they do these 'mistakes' on purpose because most people can't understand what they are doing, including myself.

So, today; November, I received a letter from USAA saying that my property was not split before the end of the year so I would need to pay the property tax myself. I received a similar letter from my title company. So, I called USAA it seemed like everything was good. They were reimbursing the prepaid amount that was for property taxes. That they would cut me a check for 1, 500 and some change. I paid the title company my share expecting a check and ... No check. Thanks for the early X-mas present. Called them early January, they have no idea what I'm talking about. Call back, call back, call back until someone does understand, but, no numbers now. They could not tell me the figure they said before. They said the only thing they could do for me is to audit the escrow account. Fine, how many days do you need. They need 5, I gave them 20. Today. No audit was done! Supervisor please. 24 to 48 response time? Unacceptable. There's nothing I can do for you. I'd like to file a complaint... So, I have this customer service person that fixes my problem (kind of) and told me the truth. The November number was arbitrary, no idea where it came from. The procedure is for the account to be audited. The notes on their system for November asked for the audit. She went on to say that they need the estimated property tax number from the local assessor before they could do the audit. I was never informed of this, ever. So, she told me to call up my assessor and get the number and fax it to her supervisor. And now the crushing blow. I call my assessor. She asks the sellers name. She immediately knows the property because a person (she even remembered her name) from USAA called them earlier to get the information I was in search of (a name which I had wrote down from the six or so people at USAA I spoke with today). USAA had a tax number they were using and it was that exact number to the penny. Are they playing games. I am really dumbfounded by all of this. Oh, she went on to say that there is a letter in the mail requesting that I obtain that information in order to be able to the audit. This kind of stuff is the norm. There is more stuff that has happened, like the insurance adjuster comes out 2 days after I move in. Really, USAA.

I am trying to move away from them, somehow.

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8:53 pm EST
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USAA missing close date

USAA Federal Savings Bank advertises "Guaranteed" close dates on their mortgage loans: The guarantee means that they will simply pay $500 towards your closing costs if they miss your closing date. The problem: This "guarantee" DOES NOT apply to VA loans.

Please be aware that there is an asterick by "Guaranteed" on their website and either the loan originators are unaware or are not willing to mention this fact when financing a VA loan. It appears that they will focus on completing a conventional loan on-time (foresaking VA loans) in order to avoid paying the fee, but they are apparently routinely missing the dates for VA loans.

The realtor for my recent home purchase expressed serious reservations when she heard that I was using USAA for my VA loan. She mentioned they had several clients miss their close dates over the last 6 months when going through USAA. As this was my third VA loan through USAA, I dismissed her concerns and proceeded with the company I had been loyal to for over 20 years. USAA was given over 6 weeks to finish the loan process, but ended up missing the close dates by over 2 weeks. On the day before the original close date, they did not make it clear that they were not going to close on time, and this resulted in me unnecessarily traveling a significant distance and a prolonged hotel stay in order to sign documents that took USAA another two weeks to complete. This missed date required my sellers to agree to a 30-day extention on the close date, and would have allow them to back out of the deal altogether. Luckily, the sellers reluctantly agreed to the extention.

This is absolutely obsurd that USAA, a company originally designed for servicemembers. has completely forgone their original intent to cater to military servicemembers and their families. Though I have been an extremely loyal USAA member for over 20 years, I would greatly advise those needing a VA loan to seek out other opportunites at this time. They are admittingly overwhelmed with mortgage loans at this time, and will not guarantee close dates for VA loans.

Please be aware, and weigh these concerns before proceeding with VA loans through USAA.

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wales13
antioch, US
Feb 03, 2011 9:34 pm EST

My Daughter is going through the same thing with USAA.She is in the Air Force and was due to close two weeks ago.All they do is keep asking for more documentation on a job her husband held in 2008 .Fanny Mae gave her an extension till tomorrow Fri but they wont even return her phone calls other then an email yesterday that said she is approved based on wage job credit but they are waiting for investors to approve and they cant currently tell her a date or time on final decision.She gave notice and moved out of her house last week based on pre approval closing date provided by USAA.Now she is staying with neighbor with 2 small children and her pets. They tell her almost everyday it will be soon and they have everything then they come up with another document they need like prove they earned $54 interest in 2008.My husband in retired Military and we have used USAA for 15 years we are just shocked at the service our daughter has received.Now we know their in program car loan program and mortgage program are not the same we must get the word out to young service members to to very wary of using USAA when buying a home. I just wish they would give her an answer so she can move on with her life.

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8:57 pm EST
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USAA fraud, dishonesty

I accepted a job as a Financial Services Representative with USAA after a background check that was completed by incompetent people who asked the same questions over and over and four different people who didn't communicate with one another and I was told I would be managing people's finances and their financial well beings-that specifically that would include the military and those stationed here at home and abroad who've put themselves in harms way for their country. I have also been a member of USAA for over 15 years and it was my understanding that they acted in the best interests of the military community and went out of their way to help service people. Imagine my surprise when my trainer who was a whopping 23 year old former CAGE FIGHTER with NO military experience and a running mouth that consisted of constantly reminding people that he was once a tough guy who would show up to work just like "Ed Norton in fight club with black eyes, a bloody nose and stitches in his ear" turned out to be the "Head of Training for the entire Financial Sector because he had sold some mutual funds and a few life insurance policies he was the head of training for the whole financial division for Phoenix Arizona which is an enormous training ground and his claim to fame was that he'd once turned in a life insurance policy he wrote for an officer with blood all over it. On the 3rd day of our training we were introduced to the "Head Honcho" of investments for USAA who was a retired LT. Col Aviator in the USMC. Imagine my surprise to find out that he was not even a Registered Principal or Series 24 which it was my understanding he was required to be. So there I sat with the top man for USAA in Phoenix Arizona with more licenses than he had after only four years in the business. The worst part was yet to come when both of these idiots told all of the new salespeople they hired including myself that it didn't matter if we were Registered Investment Advisors, we were "Forbidden from making any recommendations" to their people. In other words, as competent, FINRA Registered individuals, if we thought that an investment decision was a wise one we would be fired immediately if we shared it with any of the military, their families or civilians we spoke to. This just blew me away. On top of all of this and after being told a pile of lies in their interview process about my career and what I would be doing, Cage Fighter ### informed us that we could only sell life insurance and USAA's 6 mutual funds to the people we talked to on the phone. Never mind that I among many others had more experience in my pinky than Cage Fighter Broker had in his entire body when it came to investments, it is USAA's policy to push only their own products on people, especially their life insurance which they sell to people who already have the Serviceman's Group Life Insurance by trying like all hell to scare the service member or his wife or husband (i.e. whomever has the power of attorney) into buying more life insurance than they will ever need. The more policies you sell, regardless of suitability, the faster you are promoted, the more you get paid and the greater your chances are of having a job the following month. Not only that, but their management actually has a stopwatch they use when you have to go to the bathroom. I'm pretty sure that if Arizona wasn't a "Right To Work" State that this would violate multiple laws especially if you happen to be one of millions of Americans with any type of stomach issues. When I brought my concerns to HR, I was laughed at and told I could quit my job if I wanted. USAA has their own staff of nurses on the property so that if you claim to be sick, they can violate your rights and physical space by examining you first before you go to your own Doctor. I was sent home several times by their staff of nurses because of stomach issues and not being able to use the bathroom when I needed. What caused me to quit the company immediately was when the head of the Financial Services Division told us that we should have no problem selling "anything to USAA members" because, "They trust us, they love us, and will buy anything that you recommend." This is out and out FRAUD and illegal according to the Securities and Exchange Commission and the Financial Industry Regulatory Authority but will never be prosecuted or investigated because of USAA'a ties to the military and their lobby in the US Congress. As a Veteran of over 15 military bases and a plethora of military contacts, I can tell you that is it wasn't for these longstanding military ties, USAA would be a pathetic, broke company instead of the behemoth they've become because of recommendations made by military supervisors in positions of authority who believe that they are acting in the best interests of their troops both men and women fighting for our freedom while USAA basks and bathes in the service people's money and claims to act in their best interest by denying their sales force the right to recommend products and services that are actually needed. They also claim to be the cheapest and best insurance for the military when in fact there are plenty of insurance companies (AMICA) who have fantastic ratings and just as good of prices. All I can say about JD Power & Associates is that there is no way they have taken into account all of the complaints listed on this website or the accusations of fraud perpetrated by USAA on their unknowing customer base who really do trust them. The worst part of all of this is USAA is a bank, a brokerage firm, an insurance company and an officially recognized friend of the military community. Remember Service People that I was told as an official Employee of USAA that you will buy ANYTHING I RECOMMEND TO YOU JUST BECAUSE I WORK AT USAA! This is the most dishonest pile of garbage as well as an illegal monopoly of goods and services provided to the US Military that I've ever seen or heard of taking place. After 15 years of doing business with USAA, I will not be anymore or ever again. I would encourage you to check out these allegations for yourself and not just do what your First Shirt or C.O. tells you to do. USAA is a fraudulent company and will do absolutely anything to turn a profit. On your first day, USAA shows you a video with lots of pictures of the military and the burning Twin Towers at Ground Zero. They say that even though the pilots of those jets had incomplete insurance docs from USAA that because they are such a fantastic company, they paid out the policies anyway! They make you feel like if you don't support their garbage then you are not a true patriot and that you do not love your country! Cage Fighter Financial Trainer guy, The lead trainer was quick to jump on this bandwagon suggesting that anyone in the military who didn't take advantage of their products and services was "stupid". In addition, if you are a Rep at USAA who has sold an insurance policy to someone who is hurt or is killed in the line of duty, you are given, additional money, days off and a pair of dog tags with the deceased person's name on them making you feel as though you've committed an act of heroism. What about all of the people who purchased unnecessary policies from them because they were jumping on the bandwagon or feel as though they have no choice. I defy USAA to come up with 10 or more names of insurance policies they've paid out on since 9/11 because it didn't equal a fantastic opportunity for them to look good in the press. Remember ALL of you enlisted folk out there, USAA was a company only for Officers and refused to have anything to do with enlisted folks because their business and their lives weren't valued enough to be taken care of. Once their think tanks realized the business and the dollars that were being lost as a result of their failure to provide or offer services to Enlisted Folks, they opened their doors far and wide. For the record, you no longer have to be in the military AT ALL in order to have a bank account or invest with USAA...Only for car insurance. I write this to everyone in the military and ever customer of USAA so that they can see the fraud that is being visited on them. Use your heads people! Look at all the complaints here! One other thing, recently I was involved in a high pressure sales situation where I was told "if you should lose your job or be laid off for any reason, we will make your car payment for you for six months. This was the only thing told to me without any other exception. They then buried in tiny little print in a document that looks as though it contains only your car loan that you must have been paying on this agreement for 6 months before it is actually valid. This agreement was costing me over $30.00 a month and not once was it ever mentioned to me about the six months. Why on earth would I buy protection for a loan that requires a six month waiting period during these turbulent economic times. STUPID! After confronting every person and member of management I could, right up to the USAA Bank President, I was told that they would refund my money for the policy but refused to pay out on it because of the small print... Because I actually trusted USAA. I lost my job through no fault of my own-they laid me off because of my health and then refused to pay out on something I was counting on for the economic welfare of my family. USAA is a money grubbing, waste of space company who uses their ties to the military to look as though they care but when it comes down to it, you mean NOTHING TO THEM. Remember that the next time they give you a 3-5% year end bonus check while they pay their handcuffed employees 10-(last year) 18.99% bonuses. Take a look at the other people who've been ripped off here! Even if you write the person's name down that you spoke with, the chances that they have quit or that USAA simply erased that call so they didn't have to answer or stand behind their employees crap is highly likely. My advise, having more licenses than USAA's Senior VP of Financial Services would be to look elsewhere for your retirement, financial and insurance needs.

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Que Importa
ANYWHERE, US
Apr 10, 2011 10:17 pm EDT
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Sounds of another former disgruntled employee. All full of it...They have more funds than 6. They are a discount broker. They are limited to only recommending their product. Full service brokers will make the recomendations. Get the business model right. They love their members! SGLI is like having group life insurance with a private company. If I get sick to the point of medical retirement. I may no longer be insurable for life insurance. VGLI is super expensive over the long haul! There is a reason that superiors and CO's recommend them to everyone. They have seen there is no other out there like them. They only provide what you need. They will even tell you if you don't need it. Why are they listed top's for customer service? Why were they listed in the top 20 of best companies to work for. They are formidable and do the right thing. You didn't make it for a reason...I DONT believe your side of the story...I'm sure the other side remaining is the truth.

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USAA worst claims department ever

I was involved in a car accident with a person who is insured by USAA. I did not get a ticket as the accident was not my fault, so I went about calling USAA to make a claim. First they told me it would be upon my insurance to cover the cost of a rental car. I got a new representative at that point who told me the first one was wrong.

They told me to go to Enterprise for a rental car, but being 23 and TRYING to keep out of debt, I don't do any type of credit cards. This means I was unable to qualify for the rental car. So instead they agreed to send me a whole $30 a day to 'cover my transportation costs'. They told me the 'check was in the mail' on the 22nd and finally on the 30th, after not getting a check this whole time, I called them and they assured me it was actually sent out on the 27th!

The whole time I've also been waiting for an adjuster to look at my car and decide what the damage is. The accident happened on a Tuesday before Christmas. They said "someone will be down within 48 hours" so the following Monday (6 days later! christmas was on saturday) I call to see if the adjuster guy got lost.

My phone had been shut off in the mean time, I had to pay the tow truck the last of my money to get my car dropped at my house instead of a yard, so when my phone bill came due I couldn't pay it. I called (from my brothers job) on Monday to tell the people all of that, and to just stop by my house, seeing as I had no car and it was a shared car the whole family was using, we were all stuck at home and somebody would be there. I told them "just stop by". So they called my 'extra contact number' two hours later to let them know they couldn't get a hold of me and would try again the next day, because my phone was off.

I called, and told them my phone was disconnected, and they contacted my grandma to say they couldn't get a hold of me.

The next day the adjuster guy shows up, takes pictures of my car, and promises me an answer within 48 hours. 3 days later I finally get a hold of the person 'handling my case' and he tells me that there was an error when the adjuster was sending him the report and that I might get lucky on seeing any progress by the middle of next week.

Thank you USAA

I agree, you deserve the highest ranking customer service satisfaction!

I'm just thankful the last person who hit me had a better insurance company, because this is just crazy getting the run around like this. Very unprofessional.

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johntaylor
hyde park, US
Feb 17, 2014 8:43 am EST

USAA claims department is very unprofessional and ineffective. I was hit by an USAA insured individual who left the scene. This person was identified a day later by a friend of mine. I gave the USAA insured person a day to take responsibility or i was going to file a hit and run with the police department. This individual was motivated to call USAA and claimed liability for the accident. that was a week ago. I have been given the run around since that day. Claims department acts as if they have no idea who i am even with my claim number; when i requested to speak to a supervisor i placed on hold for 5 minutes and then this pathetic representative returns to the line informing me that we an adjuster calling the repair shop today...will you still need to speak with a supervisor? I said most definitly! the representative responds by saying "well they arent available right now" This is just so frustrating!

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Goaded
, US
Jun 22, 2011 8:12 pm EDT

I experienced a very similar situation. USAA would not pay for a rental car until they accepted responsibility of the accident (there policy holder pulled out in front of us and received a ticket). Once they did accept responsibility my insurance company had already deemed the car totaled so USAA stated that by law they did not have to provide a rental car because the car was considered a total loss. Due to them taking so long to accept responsibility, my insurance company went ahead and reimbursed us for the SUV and is seeking reimbursement from USAA. Still does not help with the rental car situation.

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USAA credit card payment holds

I've been making regular bi-weekly payments to my credit card company. These payments were always 25=50% of my total balance. There has never been a problem with my payments, for example an insufficient funds issue. They're always good payments. Now they've put a 7 day hold on my payment. Why? Because I'm making large payments too often. All I get from the people who work there is the company line.."we reserve the right to hold your payments." Ridiculous. After I complained, I was told that all of my future payments will also be put on a 7 day hold. I would not suggest anyone go to USAA for a credit card. Their customer service is on par with a herd of goats. The people who work with the public are miscast and lack any shred of interpersonal communication skills.

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ChinaKitten
Ravenswood, US
May 05, 2011 2:14 am EDT

More then likely the credit card company your paying towards had other issues with other members in the bank. Did you Google whatever company your paying off? Do they have any fraud complaints?
If any bank told you that such and such a company is being put on a 7 day hold because of unfair or unethical business practices, or because said company might be in the middle of being bought out. They could be sued for defamation, or even possibly insider trading information. A 7 day hold on any payment over the amount of 200$ is standard practice in almost all banks. When a bank does something to keep you "safe" people yell. But what if the payment was done after you paid these people? and you didn't catch it? Chase did that to us. We paid of that credit card canceled the direct deposit and for 4 months continued to try to take money out of our bank, thank goodness for the hold and USAA catching it. Or we'd of been out more money. As well as USAA put a freeze on our account because thank to a certain bank in Abu Dhabi US credit /debit card numbers were sold to criminals who proceeded to use the bank card for big purchases it was caught and only wrecked our account for about a week and USAA refunded all the money, most other banks wouldn't of. I'm sorry you feel it is unfair, however I can tell you that when the shoe is on the other foot and large transaction isn't wanted you'd feel better with a bank who is quick to freeze and hold vs one who doesn't care and just gives your money to crooks.

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USAA insurance claim

I have been a USAA full service customer for over 20 years. 20 years of great service, but this last experience trumps every year of previously good track record. My car was stolen from the parking lot of a mall. I reported the theft to USAA and was told that my claim would be resolved if the vehicle was not found in 2 weeks. After 2 weeks and 3 days I called not having heard anything from USAA. They told me that they started an investigation, which lasted over 90 days and resulted in the sale of my vehicle by the tow lot that recovered the stolen vehicle. During those 90 days, I used my 30 day rental coverage sparingly, not knowing when this was going to be resolved, but certainly not expecting it to take 90 days. I was dismayed when I learned that my vehicle was sold by an unscrupulous tow company and even more so when the investigation was not immediately resolved when it was learned the tow company had my vehicle and sold it.
I asked USAA to cover the additional 2 days of auto rental ($63) that I incurred in light of an unresolved claim that lasted well beyond the 2 weeks, well beyond a reasonable 30 day period, that left me without transportation or a settlement and subsequently threatened by job stability. They refused to pay the extra $63 saying that the investigation is not an unreasonable delay... "it is their job and duty". I was very angry with this lame excuse. Then I found out after the investigation was finally closed that the reason for the investigation was that I told them that I was at sears when the car was stolen, but the police officer wrote in the report that I was at the movie theatre.
After 3 months of cat and mouse with these USAA bozos (me asking what the issue is and them refusing to come out with it), no one had the decency to ask me about the discrepancy! THEY did not realize the Sears and the movie theatre are right next door to each over (less than 30 feet apart). Since the Sears was closed I had to go to the theatre to have them call mall security. So Mall security told the cop we called from the theatre. Obviously that does not mean I was AT the theatre! But even so, tell me please…. It took them 90 days of investigation to determine that the Sears and the theatre are next door? Wow, when all they needed to do was respect me enough to just ask the question. If that is not an unreasonable delay in resolving my claim then any investigation is carte blanch for them to stall settling a claim for years. NOW I AM LIVID! They won’t cover a stinking $63 after making me wait 90 days!
I am a fulltime student working a fulltime job and lost over $30, 000 in car and contents. I have been temporarily homeless, hungry, and living off of free happy hours and work lunch doggie bags waiting for this to be resolved - I have had to spend my savings, a large part of each pay check and even had to go into debt in order to replace key items, the stolen books, computer, and technology devices for my course of study... all because some idiot didn’t realize the sears and theatre were in the same place and never had the decency to ask me to explain the APPARENT and very insignificant discrepancy! My car was stolen and all my stuff in it. Who cares if I was in one building or the one next to it, when I came out THE CAR WAS GONE! If I was going to make this up don’t you think I would lie consistently Sears or the Theatre, or do they think I am just stupid after having been a customer for 20 YEARS!
I am not even going to get in to how they screwed up and let the tow company use my documentation to sell my car out from under the noses of USAA! That’s an entirely different chapter of incompetence.

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JACK BRYAN
Jourdanton, US
Mar 05, 2011 5:27 am EST

I THINK USAA SUCKS! I WAS BACKED INTO BY A PERSON THAT HAS INSURANCE WITH USAA. THEY WERE NICE AT FIRST DIDNT GIVE ME THE RUN AROUND BUT AFTER A MONTH AND MY TRUCK NOT BEING FIXED I BEGAN TO QUESTION THEM. THE RESPONSE I GOT IS THAT THEY HAD A WITNESS SAY IT WAS MY FAULT. NOW I DONT UNDERSTAND HOW ITS MY FAULT THE GUY BACKED INTO ME HE EVEN APOLIGIZED STATING IT WAS HIS FAULT. SO NOW IM HAVING TO GO THROUGH MY INSURANCE CARRIE TRYING TO GET MY TRUCK FIXED. MY BEST ADVICE USE YOUR OWN INSURANCE AND LET THEM BATTLE WITH THEM. ALL I WANTED WAS MY TRUCK FIXED I THOUGHT THESE GUY WERE STAND UP PEOPLE BUT I WAS WRONG THEY SUCK!

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USAA poor customer service

Usaa federal savings bank, customer service has left the building.

Funds on hold.

I have a great credit score, I have never had an nsf and have never miss a payment on my insurance or credit cards, I consider myself a great customer of usaa. Now for some reason they are placing funds on hold to every check I deposit. I have been in contact with customer service and they will not give me a straight answer or the reason this is happening nor will they release funds on hold. I work hard for my money and I do not want to wait another 5 days to have access to it. I have had to run up credit cards and use money in savings because of this situation. I feel as if it is a slap in the face from a good friend as I have always been a great and loyal customer. I will never recommend this bank to anyone ever again and I am in the process of cutting all ties with this bank. Do not do business with usaa if you are looking for a bank.

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SevenLtd
Granger, US
Jun 18, 2015 4:55 pm EDT
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Similar issue here. They will tell you AFTER you make a deposit that it will be on hold for a week. They will not allow you to cancel the deposit so you can go to another bank, or remove the hold. I complained about the failure to let me know until after the deposit was placed. The woman cust service rep just got defensive, dug in her heels, and kept referring to "policy". Horrible experience for a long time customer with many accounts there. I will be banking locally from now on.

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USAA refusing account access after bankruptcy

I am unable to make payments or check my loan balances online because USAA is refusing to grant access through their technical support group. After completing Ch 7 filing and reaffirming two car loans (combined balances are less than $13k) USAA canceled the security codes that are required to access the "make payment" part of their site. I have repeated tried the "work around" that the technical support group suggests, to no avail. As a result, I have no way to know due dates, loan balances, dates amounts were applied to my accounts and the breakdown of principal/interest. They also refuse to send amortization schedules and invoices for payments due. Having been a loyal USAA member since 1983 I am livid. I spoke with "Rachel" and "Jason" this morning at USAA in a last-ditch attempt to get this resolved. All I want to do is pay the bills for the car loans.

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June Torne
Wichita, US
Oct 26, 2010 8:50 pm EDT

I went through Ch. 7 as well, although I didn't reaffirm our car loans, at the recommendation of my attorney. I am paying them monthly though. I depend on paying my bills online. You can't get full access to their site; however, you can get to a limited screen where it gives you the basic info and allows you to still pay your bills. After you sign in, you will see a window that says they are unable to complete your request and on the right-hand side, there is a button "proceed" If you click on that, it will take you to a sign-in place again, you do that and give it your 4-digit passcode, and you will see the screen with your bills and info.

It is rather strange. I was under the impression that if we had reaffirmed our loans with them, then we would have had full access once again. Of course, as I said, we didn't do that because...well, we are paying and that's is all they need from us as far as I am concerned. But since you reaffirmed, I am wondering why you don't get the full access once again.

Hope this helps.

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USAA usaa: poor customer service, just another big bank.

Usaa: poor customer service, just another big bank.

I was a member of usaa for 7 years. I had a car loan, credit card, and checking account with them. I also had all my bills set on auto-payment through my usaa accounts.in june I lost my job. I immediately called usaa to notify them of my situation and loss of income in an effort to head off any financial problems. They deferred my car loan for 2 months, and were not really interested in my job loss.
Over the next 3 months, my accounts became past due and usaa began to call me and harass me wanting their money. Telling me “you took the money, so now you have to pay it!” I repeatedly called and tried to negotiate and work out an arrangement. Usaa wasn’t interested. They did not care that I had no income, they just wanted their money.
I finally found work, but my income was 25% of what it once was. Again, I contacted usaa and tried to work out a payment plan or to refinance my debts at a lower payment. And again they were not interested. Instead they transferred me around the corporation and twice to collection departments that said “you owe us, give us our money” at this point I was not even 60 days past due!
It seems to me that usaa would rather use their collections agents, repo a vehicle, destroy my credit, and receive zero dollars than refinance an existing loan that would make them more money! Their collections people were not interested in helping at all. They yelled at me, tried to intimidate me, and were rather impolite. Usaa was very unprofessional and has proven to be just another big bank. They could care less about its investors, members, and their financial situations. Not only would I caution everyone I meet to avoid them at all costs, but should I go back on active duty, I vow that no usaa representative will ever set foot on my post nor speak with my troops. Soldiers, servants of our great nation, their families, and people deserve better than usaa!

John krum
Former usaa member

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srchng4care
garland, US
May 05, 2011 9:34 pm EDT
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tell the bank to go suck it they got enough money hong kong here doesnt know what shes talking about
dont let it ruin your life those collectors are trained to that dont let them scare you!

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ChinaKitten
Ravenswood, US
May 05, 2011 2:01 am EDT

It sucks you lost your job, but that is not the banks fault, they deferred your payments they aren't legally obligated to do even that. Now deployment is different and they do a lot for the military members and they're families. When you borrow from a bank have financial obligations etc, It is your job to have in savings, enough to cover at least 3 months of financial obligations, plus all other expenses if you do not have this, you should not own car house etc. If more people were Fiscally responsible we wouldn't have the debt problem we do now. As a military member your entitled to respect not a free ride. if you want to negotiate do it while your still paying them and up to date. My husband honorably discharged from the service, because his job was overmanned and the air force at that time was claiming they were over there numbers. So he didn't want to retrain and he was promised a job in between times he was without a job for 65 days, We paid all our bills on time for the first 2 months while I spoke to USAA and other companies and explained the situation they were able to work with me because I hadn't stopped payment. See that's the key, the moment you miss a payment they no longer give a darn, but if you can show them hey look I'm set up for at least 60 days to pay you, and you begin working with them before your out of cash, it makes a world of difference. I'm tired of people thinking that banks or people you borrow money from should "understand" your dire straights. It wouldn't be so dire if you PLANNED ahead, because there is always some unforeseen circumstance. That no one planned for. So hurt your troops and there families and do them a disservice because you don't understand what being financially stable is, because you didn't plan ahead. You'd probably find honor in leading 600 men to there deaths as long as it made you look good...
Thank you for your service to our country, for my freedoms but take a page from the military and always plan ahead. The 60 day financial plan was the first thing as a "new military" family, were taught in the family classes at Macdill AFB and they have been a life saver.

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USAA bad loan service

My husband and I were very excited to be purchasing our very first home. Ofcourse since we bank with usaa we decided to get a home loan through them as well. With some minor adjustments to our credit we were aprroved. Little did we know what a nightmare we were getting into to usaa morgage dept. We were assgined the absolute worst loan processer that could work for usaa. We started this whole process july of 2010 needless to say it is the being of october and we still have not been able to close on our home. All this could have been avoided if only our loan processer have taken the time out to actually work on our loan instead she was out of the office weeks at a time. And never called us back when her voice mail clearly says "I give callback within 24 hours".. Such a lie. We are disgusted with the service that we have recieved from usaa. It has taken everything breath of us to try and close on this house if its not one thing its another with usaa. I just now got off the phone with usaa and because it is the begining of the month usaa has to go back and review all of our paperwork and update everything once again. So our new estaimated closing date is oct. 16th. Finally we have had enough with usaa. We just canceled our loan with them completly. If you are smart you will not get a home loan with usaa. They will give you the run around in everyway possible...

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Lisa Kronsnebel
Pittsburg, US
Nov 14, 2010 5:22 am EST

I am utterly disgusted with USAA Mortgage Services. When I call for a status on my VA refinance, my processor barely can form a sentence in English and is also very rude. She will never return a call either. On 1 loan, this is my 4th processor assigned! None of them could speak very good english neither were they kind. Nothing against Mexican American people- however, in business, you need bright, articulate, knowledgeable staff that communicate kindly and effectively. I give up AND I also will be contacting Clark Howard to tell him my disgust! USAA Mortgage is based in San Antonio. I did some checking around and found that it is the policy of USAA Mortgage to hire and promote Mexican Americans over caucasian. Who gets hurt the blatent favortism like this? It is the Veteran! I am trying to warn everyone I can to stay away from them! In the name of "political correctness" they are hurting the customer and I am disgusted. Hmmm is it a coincidence that the CEO is a Mexican American as well? Joe Robles USAA Mortgage Services is Toxic and should be avoided.

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JohnnyApples
, US
Oct 01, 2010 8:03 pm EDT
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Worst...mortgage lender...EVER! My wife and I have been USAA insurance customers for almost 20 years without a single complaint...their customer service has always been excellent. When we decided a couple months ago to refinance our original VA loan, we looked no further than USAA because of our many years of past experience with them. 45 days into the loan process, we only now realize how big of a mistake we made by selecting them for our mortgage business. There is a HUGE disparity in the quality of their insurance services and that of their mortgage services! The loan processor assigned to us was the most incompetent, lazy, and least knowledgeable financial services professional with whom I have ever dealt. He never answers his phone, never returns messages left in his voicemail, doesn't respond to repeated E-Mail inquiries regarding the status of our loan...and when we finally contacted a "supervisor", she was quick to promise prompt action but dragged her feet for days. Consequently, we've completely missed the closing date that was originally scheduled, and USAA is now requiring documents from us that have never before been needed when we've applied for home loans and are asking the exact same questions of us that we answered more than 30 days ago soon after we first applied to refinance. USAA mortgage services are a scam...they are not at all interested in providing loans at today's low market rates. Don't walk...RUN...away from USAA financial services.

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USAA insurance rates

Spetember 22, 2010

Not srue this is a complaint so much as just passing on some information. I was not scammed by USAA, however ...

As a reservist, I was refered to this company by word of mouth. I was told they have great rates, customer service, etc.

At first, I submitted for an auto insurance quote. I have three vehicles, three drivers. USAA came back with a quote of almost $4, 000 per year. I currently pay $2, 000 per year. Then I submitted a quote for homeowners insurance - USAA was $300 per year higher. If Shelter Insurance is in your area, I suggest you check them out.

Then, I submitted a quote to refinance my home. Even though they used a quote with a percentage rate 1.5 percent less than my current, the monthly payment was $300 a month more than my current. And the total loan value was more than my original 4 years ago.

If this is what USAA members call value, I think they should shop around.

If it sounds to good to be true ...

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USAA don't ever sign up with usaa

I wrote this email below to USAA ([protected]@usaa.com) and never got any reply at all! If you're considering signing up with USAA, try sending this email below and see if you get any response. That will give you an idea of their customer service. By the way, the email address is valid. Here is the proof: http://twitter.com/USAA

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Dear USAA,

I signed up for USAA banking account (savings and checking) on June
9th 2010, and I paid the $50. It has been 3 months now and I am still
not allowed to use my account. I was told there is "investigation" on
my account.

I do not mind at all if there is an investigation, but three months is
unreasonably long. At least let me know how the "investigation" is
progressing. What result are they waiting for? What step is slowing
them down?

Or, refund my money. Isn't my request perfectly reasonable?

Thanks again,

Bob

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HellionDeadwoman
Albuq, US
Nov 28, 2010 6:46 pm EST
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Lisa: "it is the policy of USAA Mortgage to hire and promote Mexican Americans over Caucasian." Do you have proof of this? If not don't use it as part of your complaint, if it turns out wrong it will just make you look untrustworthy.

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Lisa Kronsnebel
Pittsburg, US
Nov 28, 2010 6:40 pm EST

I am posting everywhere I can to warn people about USAA and their horrible treatment of customers (members) - USAA Mortgage is run by mexican immigrants, I am totally convinced of that! Our VA Mortgage Processor, could not communicate well at all (and I think she cursed out my husband in Spanish) therefore, I will tell everyone I know AND the VA loan center about how Veterans and their families are treated.

I applied alnong with my husband for a VA Refinance a month ago. My husband is 100% disabked as a result if service in Afghanistan- a grenade exploded under him during a "sweep". He is a grunt, an infantryman and would die for his country- and he almost did! Anyway, our VA Processor kept telling us he has to pay the 3.3% funding fee. Then, she changed her mind and said no he did not. She refused to accept any paperwork from the VA with his rating. This incompetant [censored] mexican lady put us through hell and back! It finally came to the point that our lock expired not once but twice on us. Had we gone through with the USAA refinance, we would have had another half a percent tacked on to our rate.

I am thinking that this malicious treatment has to be criminal or fraud. I find it hard to believe that a fortune 500 organization would be so "politically correct" in its hiring to reflect the large mexican american population in TX without regard to skill or merit. I understand that they have a consumer reporter on KENS 5 in SA. I have contacted him and they will be airing an expose on USAA Mortgage Services in early Feb 2011.

I want to vomit when I think of the bad people there.

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Lisa Kronsnebel
Pittsburg, US
Nov 14, 2010 5:22 am EST

I am utterly disgusted with USAA Mortgage Services. When I call for a status on my VA refinance, my processor barely can form a sentence in English and is also very rude. She will never return a call either. On 1 loan, this is my 4th processor assigned! None of them could speak very good english neither were they kind. Nothing against Mexican American people- however, in business, you need bright, articulate, knowledgeable staff that communicate kindly and effectively. I give up AND I also will be contacting Clark Howard to tell him my disgust! USAA Mortgage is based in San Antonio. I did some checking around and found that it is the policy of USAA Mortgage to hire and promote Mexican Americans over caucasian. Who gets hurt the blatent favortism like this? It is the Veteran! I am trying to warn everyone I can to stay away from them! In the name of "political correctness" they are hurting the customer and I am disgusted. Hmmm is it a coincidence that the CEO is a Mexican American as well? Joe Robles USAA Mortgage Services is Toxic and should be avoided.

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1:19 pm EDT
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USAA not refunding my $50

I wrote this email below to USAA ([protected]@usaa.com) and never got any reply at all! If you're considering signing up with USAA, try sending this email and see if you get any response. That will give you an idea of their customer service. They promised to reply if we send to that email address. Here's the promise: http://twitter.com/USAA

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Dear USAA,

I signed up for USAA banking account (savings and checking) on June
9th 2017, and I paid the $50. It has been 3 months now and I am still
not allowed to use my account. I was told there is "investigation" on
my account.

I do not mind at all if there is an investigation, but three months is
unreasonably long. At least let me know how the "investigation" is
progressing. What result are they waiting for? What step is slowing
them down?

Or, refund my money. Isn't my request perfectly reasonable?

Thanks again,

Bob

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CNC3
Mississauga, CA
Jun 10, 2013 5:31 pm EDT
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I had my bank authorize my checking account to be debited each month by the Florida Electric Company. I called USAA and due to the fact I was past my 60 day was told they could not refund or help me. I have stopped the unauthorized debit and was told the customer that submitted the information had an account number that was one number off from mine. I asked the bank to call the party that has debited my account thinking he could be in the military and not in the United States.

I was told by the bank he was planning to repay my the amount. He has not and my bank has treated me like a criminal instead of a 30 year customer. I would like to know if I should pursue the Florida Electric Company since that was the company authorized to debit my account ? Do I pursue the individual ? My bank of 30 years has told me they can do nothing due to the fact the debit started over a year ago. The other bank member has since corrected the debit but has not made any attempt to pay back $2300. I was told by my bank I could not have his information which I understand yet a representative from USAA was going to give my phone number and address to this person because he asked to mail a check. I feel that is a violation of my privacy . Just wondering if there is anything I can do at this point. Thanks for any advice.

I am aware of the 60 days been told by every person I talked to at USAA. I dealt with a family emergency and unfortunately did not have time to deal with my own finances.

I would be so thankful for any advice. Michele

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Lohober
, US
Mar 21, 2011 8:00 pm EDT

If you are looking for good customer service and fast claim service, do not call USAA. They never answer their phones and won’t call you back and it takes 3 days for them to answer their emails. Our truck was hit over 6 weeks ago and we still don’t have the money. They offered us $2500 dollars below blue book value and refuse to even talk to us.

They have now posted the dollar amount that they are paying us and it is $200 dollars short from the amount they said we would get. Unless you enjoy being screwed over, look for a different company.

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MDaz
Norfolk, US
Mar 03, 2010 12:45 pm EST

They do not understand that I will try to help you by explaining that emails and voicemails and talking to whoever in customer service does not encourage me to remain a customer or encourage our entire family to remain as customers based on how they have handled a claim that is unresolved going on over three months now. Honestly I was told my case was reviewed but what I asked for was to be sent to manager of manager and/or appeals. That's what I have asked for in every form for 8 weeks. I have now turned to just reiterating to anyone who answers, in a nice tone, that I'm sorry they are driving me away. What really gets me is the fact that I have quotes for same or BETTER coverage and the premiums are lower. So, they will be losing 8 members by the end of this month because none of us can understand why they would handle us like this, or the amount of life uproaring that must be involved if you should ever have to file and deal with a claim. FYI - 2017 March quote for 6 mos auto insurance came up $200 more than a competitor. Same timing quote for homeowners quote $600 more for one year coverage. Deductibles lower and maximum property/liability/assistance higher with the lower competitor rates. I inquire what they can do by lowering my premium to keep me a customer and I'm told that the quotes I'm receiving from competitors are not accurate and I need to wait for the in-progress claim to clear up... and by the way they value me as a customer. If they valued me, they would clear up the claim (there is no hold up other than someone there reading the reports) and they would suggest that could lower X if I do Y, or really, anything. But today there is no price they could go down or anything they could say to have me ever use them again. Do note that I've been a customer for more than 28 years now.

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mwgoody
Conroe, US
Jan 11, 2012 7:12 pm EST
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I had a car loan with USAA in the amount of $31, 926.00 starting in 2017 and paid it off in May 2017 which was early and while I was deployed to Iraq last year. From May 2017 till Dec 2017 I continued to receive statements showing a $0 balance leading me to understand my loan was paid off. Begin of 2017, I then receive a new bill from USAA for $71.65! After several aggravating phone calls I was informed that this was for the interested of 1 1/2 months from the time I received my last bill and the time I paid off the total amount! USAA refused to waive the ridicules interest charges and my final conversation with the loan manager was less than cordial as he was extremely rude to me and showed no human compassion what so ever. Never again will I use USAA.

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streeamer
, US
Dec 01, 2009 11:15 am EST

I left active duty military service in June 2017, after serving in the Army as a recon scout for four years, the last of which was spent in Iraq. I signed up for USAA online in June of 2017, and received an email confirming my membership directly thereafter. But when I called them yesterday to get pre-approval on a home loan, I was told I did not qualify for membership, and that they could not help me because I was not a soldier currently fighting on the front lines.

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Gaby1977
Atlanta, US
Aug 16, 2010 4:35 pm EDT
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My husband was hit by a usaa - insured driver. The usaa driver was at fault & usaa claimed liability. They have used an improper & likely corrupt evaluation method — ccc valuescore — to determine value. Since ccc is employed to save insurance companies money, it seems obvious that guides that are impartial — like nada etc, also be consulted. We were told that consulting those guides was out of the question. After usaa has claimed liability for their driver in my husband's accident, they have refused to negotiate or provide a fair settlement to replace my husband's vehicle. We have made multiple requests to the company to provide us with adequate or fair comps in our area — to no avail. We are unable to replace my husband's car with the lowballed offer provided. By using an ethically - challenged company like ccc valuescore solely to determine fmv of our vehicle, they have let down their customers & the rest of the public who may be in accidents with their customers. It is evident that the number one drive of usaa is to save money at the expense of what is right & just. Your desired resolution: we are seeking a settlement that will allow us to replace only what was lost by their insured's poor driving. We are not seeking an upgraded automobile — we are not seeking to better ourselves after an accident — we are merely expecting to replace what was lost & make ourselves whole again. We are seeking fairness from usaa — what a novel concept

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Terrance M Vraniak
Anchorage, US
Mar 20, 2010 11:21 am EDT

Phishing scheme

-----Original Message-----
From: USAA [mailto:noreply@support.com]
Sent: Thursday, March 18, 2017 12:19 PM
To: undisclosed-recipients:
Subject: Notification

Dear USAA user,

As part of our security measures, we regularly screen activity in the USAA system. We recently contacted you after noticing an issue on your account.

We requested information from you for the following reason:

We recently received a report of unauthorized credit card use associated with this account. As a precaution, we have limited access to your USAA account in order to protect against future unauthorized transactions.

This is a reminder to restore your account as soon as possible.

Please download the form attached to this email and open it in a web browser. Once opened, you will be provided with steps to restore your account access. We appreciate your understanding as we work to ensure account safety.

In accordance with USAA's User Agreement, your account access will remain limited until the issue has been resolved.
Unfortunately, if access to your account remains limited for an extended period of time, it may result in further limitations or eventual account closure. We encourage you to restore your USAA account as soon as possible to help avoid this. We thank you for your prompt attention to this matter. Please understand that this is a security measure intended to help protect you and your account. We apologize for any inconvenience.

Sincerely,
USAA Account Review Department

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Bad Buisness`
Memphis, US
Mar 15, 2012 8:56 am EDT

Single mom of 2 now out of money needed

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Bad Buisness`
Memphis, US
Mar 15, 2012 8:56 am EDT

I also opened up a USAA Free Checking account and am now going throught the same thing. They are refusing to refund my $500 unless I send in my ssi card, driver licencse, utility bill, marriage license & divorce decree faxed or email. The nearest USAA center is over 600 miles away. They are telling me the only way the will even close the account unless they have the requested documents. I am at a lost.

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USAA Sucks
usaasucks, US
Mar 30, 2011 3:23 pm EDT

They are a horrendous bank. They used to be good until they implemented all this "Pending" charges crap. Now, you look at your account, and it never went negative, but you get NSF fees. There are systems make it impossible to accurately track your spending and I'm taking my services to do a different bank and will recommend everyone I know to stear clear of these shady bankers.

I called their customer service to discuss the issue and they won't even say anything. I ask them questions and they respond with "Do you have any other questions or concerns for me?"

They are ###.

ComplaintsBoard
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3:44 pm EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

USAA worst insurance company

Some car hit my car while going 40 mph on a local road. The police report clearly identified the other driver at fault and I gave my verbal statement to USAA which they recorded. They told me they will need a similar statement from their insured (the guy who hit my car) - before authorizing the autoshop for repairs. They instruct me to get an estimate from the shop and i do that as well. I have called USAA several times to see if they have been in touch and its been over 10 days. They keep saying that they have not been able to get in touch with their insured hence my car can't be repaired. This is the worst policy I have ever heard of - USAA is the worst insurance company ever - Why is the police report not enough for them to authorize the claim? My car is still not drivable and they won't give me a rental. DO NOT GET USAA THEY DO NOT CARE ABOUT CUSTOMERS - ALL THEY WANT IS YOUR MONEY. Greedy SOBs.

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digdave
, US
Oct 18, 2010 1:29 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

It's funny. I 200% disagree, I've had USAA for over 20 years, and so has my parents, NEVER a problem. I had my first accident, and rear-ended someone who hit someone else a few months ago. They took care of everything and paid the claim(s), nor did they raise my rates and renewed my policy that same month.

If the driver hit you, and they cannot contact that person, or thier insurance company they wont pay the bill. and neither would ANY insurance company. You need to ask yourself if you would pay a bill without any proof...?

You never mentioned if you had full coverage, if you do this would not happen and would pay the bill, if you have liability only that means USAA will only pay for things that are your fault.. Many years ago someone hit me, and left the scene, USAA paid my entire claim no questions asked. So sounds like something is missing from your store, if you dont have the right coverage no company will pay the claim. It's your policy you should understand it.

I want to end this comment by saying I dont work for USAA, or in the insurance business, but it makes me very angry when people dont understand something them blame everyone else for that problem.

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?

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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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