I cancelled prior to renewal of a homeowners insurance policy I had with USAA. They promised to cancel it and refund the monies to me within 10 days. It has been over 3 weeks, multiple phone calls and still no refund. Now I find out they never cancelled it and now I will have to take them to small claims court to get my refund. This the second time they have done this. Originally they charged me for 4 days of a car insurance policy that I didn't want. I originally asked for a quote and this is how they generate revenue. They hope that you just give up..Do not do business with USAA.