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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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8:25 am EDT
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USAA auto premium

I was quoted a price to add my son & his car to out policy and when the payment was deducted it was double the amount quoted. After calling them I was told if I had waited 2 days to add new vehicle then I would not have been charged double for the monthly premium. The bottom line is that the rep should have told me the CORRECT amount that would be due on our next payment but instead he told me the INCORRECT AMOUNT THAT WOULD BE DEDUCTED. After spending 52 minutes on the phone with the rep & supervisor nothing was accomplished. I am totally disappointed and am considered closing my checking, savings & credit card accounts along with removing all 3 vehicles from the auto insurance policy. I even had my daughter & son-in-law switch to USAA for auto & renters insurance. I'M TOTALLY PISSED AND WISH I WOULD HAVE NEVER CHANGED TO USAA IN THE 1ST PLACE.

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chitK
Lowell, US
Sep 11, 2013 12:50 pm EDT

YOU R RIGHT!... USAA is not the same company we signed up with in 1982. Today I was treated with apathy and I could tell the
" specialist" that helped me, was in some cubicle, in lands unknown. She did not know how to say."Ensign" After hitting a deer, I took my car to a autobody shop. I picked up my rental car, as I was told by the "claims specialist 3wks ago", I would have rental car coverage for up to 30 day if needed. Today, I found that USAA only cover 7 days of the rental. When I called to discuss this, the uncaring, rep. said, The shoppe, only worked on the car for 7 "actual" days. I asked, how was I to know, when they worked on my car?, she didnt know, and said that is what the shop filled for work needed. So the 4 wkend days, the car sat there, and the few days, before they started the job, USAA denied coverage for my car. THIS HAS NEVER HAPPENED BEFORE. I have had rentals in the past, and no such discussion, about" actual work time" was ever mentioned. It's BS!, Her remark to me was" its in the policy". I guess we're too read every fine detail, before trusting USAA insurance in the future

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winphreak
PSL, US
Aug 15, 2013 12:56 am EDT

I have been with USAA for a few years and never missed a payment or had any tickets, accidents, or anything on my record. The last year they have been increasing my insurance premium about $20 a month extra every 6 months. I recently switched to State Farm when I purchased a new vehicle since USAA has been increasing the premiums. I was then told the overpayment on my canceled policy would be refunded to my USAA checking account. The date it was suppose to be deposited, the status shows half was issued to a refund check and the rest is still sitting on a canceled policy. So now I will need to basically wait around a week for a check to arrive so I can mail it back to USAA and wait for it to clear. So I am out of prepaid premium money for the next 2 weeks. USAA does not seem to be the way it used to be.

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10:31 pm EDT
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USAA automobile claim denial

Many insurance companies want to engage in 'contributory' liability to minimize the payout to the 'other' party. I am the other party and USAA claimed it was a 50/50 at fault accident. I don't have the particulars at this time on what party 'A' said in his statement but initially he apologized along with his wife on at least 3 occasions. Now, I will inevitably win since I have pictures of the incident but I thought I would take this time to tell you how USAA responded to me as the 'other' party. My wife and I were parked in a parking spot with the engine off. Yes, you read that correctly. I made a claim and basically they ignored me and since I wasn't there customer they decided to throw me under the bus. I do have a good company and they will be subrogating USAA based on the notes, pictures and the conversation they had with the USAA customer. What is funny is when I called USAA (only sent with an original acknowledgement letter) the representative (gatekeeper) said based on the damages they determined it was 50/50. I never did get a call back from the supposed adjuster of the claim. What a surprise huh? So I tell the representative after he gives his sales presentation about how it was a 50/50 accident (they still haven't seen the pictures which will be a surprise to them in arbitration) that does he realize the car was parked with the engine off? He is silent. I just tell 'Larry' don't worry about it..I will proceed with my own carrier or in small claims court and I recognize he is doing his job. USAA is no different than most of these carriers when dealing with party 'B'..they are going to look at the bottom line. I just expected more from a supposed reputable carrier. Is USAA now Mercury Insurance? I understand the ways of the world. If you can't pay out in obvious situations then what hope is there for an at fault system. Just make it no fault system since USAA isn't going to do the right thing anyways. Remember, USAA didn't follow up with a 50/50 letter and also didn't even ask for any evidence I had to present. These guys were playing games on the initial phone statement. I guess they didn't like my direct statement. The purpose of this complaint..if you get hit..prepare to file a small claims court action, hire an attorney or go through your carrier (hopefully you have a deductible). Don't expect favorable treatment no matter how obvious the fault of the incident. Shame on USAA. I should think about starting my own insurance company..charge people for insurance, don't pay out to the other party if they are not at fault and then charge my own clients an accident surcharge. Nice. I would attach pictures..maybe in the future once the case is settled. You can see how the tire of the party 'A' if backed up would go straight into the damage of my car. I will be calling USAA once resolved and asking them how I got reimbursed when they said it was 50/50 :).

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Not a USAA FAN
Vienna, US
Nov 09, 2013 9:01 am EST

Having the same issue = we had out fence/ garden/sprinkler system wrecked by a USAA member who drove his car through in June this year. We are still waiting for USAA to make us whole - the victim. We had to contact them since it was a hit and run accident. Our insurance has sent them the information several times and now we are at arbitration because they say they have not received any of the faxed information that was sent twice this summer! USAA of course has paid out their member - he has a new car! I know this because he lives around the block and with in 2 weeks bought another car. We also know this because his roomate is a friend of ours. Victims should always be taken care of --- we came home from vacation with a car through our fence ---- not our fault! Feeling your pain - hope everything works out!

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6:21 pm EDT
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USAA poor banking support

USAA, like many companies operating in the online banking industry, endevour to promote their product outside of online methods by offering the convenience of remote services through third-party vendor arrangements, where no brick-and-mortar facilities exist. I rarely have a need to use these options, but recently I had nothing but disappointment for each of the three times I attempted to utilize these advertised conveniences.
First, they show locations for personally completing banking transactions at local, participating UPS stores. on two occasions, I found that the listed facility didn't do such services. On a third try, I located an actual participating store (after calling USAA and confirming the location and method of execution). When I got to the store 20 minutes after my call to USAA, I found they did indeed have the capability to do my transaction but, during the course of trying to log it in to USAA, the system had been down, The UPS representative spent 25 minutes talking to a USAA "IT" agent, but to no avail, I ended up having to mail the transaction to San Antonio after all.
It chaps me to be bombarding with national advertising, promoting the benefits of banking with USAA, only to have many of those claims fail in reality.

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10:22 pm EST
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USAA incorrect repo/sale and reporting

Purchased a vehicle in 2005 with a loan from USAA. Defaulted in 2006 while going through separation. USAA repossessed the vehicle in 2006 in the middle of the night, never gave me the right to correct the situation, nor did they provide me notice of the sale. Apparently they sold it in 2007 for half the amount of the balance. I have made several requests for information, documentation, etc., but they have only provided a copy of my initial check they provided me for the purchase of the truck. USAA has been reporting this as delinquent since 2007, not 2006 and the original purchase amount, not the after sale balance.

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USAA auto insurance

I was involved In a major accident, and I ended up having to stay at the hospital for two weeks as I broke my leg. Usaa never bothered to contact me during the whole time I was in the hospital. Upon leaving the hospital I was told by a very ### representative that they have determined who was at fault and I was responsible for blah blah blah. You get the point. Never once did they even ask how I was doing or what l had to say. This woman was very unprofessional. On a side note, while I was in the hospital, an estranged family member of mine tried to call USAA for information. The woman she spoke to gave out information pertaining to the accident and personal things that should not have been given out. The estranged family member repeated to me everything thing she said. There was no way they would've known without calling. I called and complained that they violated major laws by doing this. She told me that the representative told her that she couldn't give my family member any information, and that I would have to call. Of ###ing course she would say that. I asked for their supervisor and that seemed to unsettle her. USAA used to be great but it has really gone downhill.

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7:22 pm EST
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USAA closing card for retribution

I possessed a gold master card cash rewards card for thirty plus years. I am a veteran of the viet nam conflict. I filed ch 13 sept 2007 and asked usaa if it was possible to keep my card through the ch 13. Usaa said most definitely as long as I stayed paid up. I did so. The ch 13 was discharged dec 2010.in oct 2012 usaa closed my card without notice or explanation. When I contacted usaa they said they closed the card due to my filing ch 13. I informed them that was some five plus years ago. I believe usaa has done this out of retribution for my complaining to the credit bureaus about their criminally incorrect reporting of home equity loans I have with them. I had this card for thirty some years through the ch 13 and two years pass the ch 13 discharge and now they close it without any notice whatsoever. Very professional.

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9:07 am EST
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USAA Failure to resolve a claim in a reasonable time

Please forgive any typos.  I am working with a broken laptop.  This is the 4th time that I have typed and lost all of my information.

First round of asking for help

On 6/26/11 I walked into my home to find that it had been burglarized. I had been in and out of town, and
it is an unusual case, as the police say that someone had been living in my home. I have an insurance
policy with USAA insurance. I have been through 4 or 5 adjusters; I have given way too much information
about my life, I provided information from slavery, on all four sides of the family until now, as I was asked by one adjuster, and I have it in writing, "how could people of color afford such things" and that of my February of 2008 to help care for my mother. Janice McMillon, my mother,
passed away in July of 2008. My sister, Holly Steele and I cared for my Grandmother at home until  my sister moved
back to Michigan to work for the Department of Commerce in October 2009. I stayed in Missouri and
worked for US Bank through Kelly. After  my job ended, I traveled around. I helped my sister pack up her
apartment in Michigan and move to Atlanta, GA in January 2011. I traveled back and forth between,
Michigan, Georgia, and Missouri. In February of this year, my step-grandmother, who had lived in my home until she went to Beauvais,
after  my mother's passing (she lived in my home, un l October 2009, at that pointt she moved to Beauvais
nursing home, on Magnolia, in Saint Louis, MO)--in February she passed away. On the same date of her
funeral in March, my maiden aunt, Barbara  left  the funeral for the emergency room, where she was
diagnosed with Uterine Cancer and subsequently had surgery. She has been going through chemotherapy
and my sister Holly and I have been up and down the highways taking care of her, as we both work to
rebuild our lives. On June 26, 2011 I returned to my home to find that it had not only been burglarized, but it
appeared to have been lived in. A realtor who was selling a home down the street had a sign in our yard,
with a for sale sign, with the arrow point ng to a home down the street (it gave the appearance that my
home was for sale). At one pointt, I let the mail collect when I was caring for my aunt, and the post office put
a vacant sign on the mail box. We think that this is when thieves moved in and burglarized and trashed the
place. I have neighbors who have witnessed strange people and reported this to the police on the day of the
burglary and have called twice since to report people lurking about my home. My mother was an OCD
neat freak and the house was so torn apart that it looks like an episode of Hoarders. I had many high end
handbags, as did my mother, lots of crystal, and Jewelry. I inherited a lot from my mother and grandmother.
I have answered ques ons about my lifestyle, worked with USAA's insurance investigator; I have receipts for
over $14, 000 of jewelry that I purchased when I worked on Wall Street. I have bank statements of things
that I owned, credit card statements of what my mother owned, and copies of credit cards that my
grandmother had. I have provided pictures. My sister Holly has answered ques ons (she had to
establish that she had a home in Michigan), answer ques ons about what she received and why it looked
like I had more (I did not, Holly's things were not stolen, mine were). My mattresses have been slashed, the
fridge broken, the oven broken, thousands of gnats in my home, as USAA asked me to keep the broken
fridge, as I went through 5 claims people. I thought that I provided way too much information on. In some
instances, I have the receipts for items, pictures, and have located them on the bank statements and have
been asked to provide more documentation. My home is unlivable.  If the city came in they would condemn it, the thieves left urine, chemicals (perhaps Meth) fecal matter, and more all over the entire house.  The house was black and thick with gnats.  18 bug bombs later, millions of gnat bodies covered everything in my home, and the poison permeated everything. , and now my aunt, in
addition to the chemotherapy that she is enduring, has diabetic issues, that may cause her to lose her legs.  As an update, her leg was amputated, and she has since died.
My sister Holly and I are her only relatives. After the tornado, here in Saint Louis, I looked at my policy and
upgraded it. USAA sent a letter to homeowners advising that we do so. I think that between what I
purchased, what my grandmother and my mother left me, I had $100, 000 in jewelry...I may have had
$10, 000-$45, 000 in jewelry coverage, when I upgraded the policy, I added the jewelry on.  USAA sent a letter that do to my credit they were disallowing the jewelry coverage.  After reading my policy I pointted out to my public adjuster that this was illegal in the state of Missouri, over $20, 0000 in silver was taken - I may have had $10, 000 in
coverage, it would depend on how the multiple policies that I paid on the same residence plays out. I had a total of $299, 000 for one policy  of coverage for personal items and with damages my claim may be
between $270, 000 - $280, 000. The claims investigator is telling me everything is in the hands of the adjuster,
just get in my receipts and pictures, and the adjuster is sta ng that he must turn everything over to the
investigator first. I have spent me, that should have been spent on family and ge ng my home and life
back in order jumping through hoops. I would like to retain your services, as I have made a commitment to
Fwd: Robin McMillon--Communication with USAA Part One http://mail.aol.com/37267-111/aol-6/en-us/mail/Print Message.aspx
2 of 4 12/17/2012 3:58 AM
get everything to the claims investigator and the insurance company over the weekend. I do not want to do
this all in vain, I feel like I have been violated twice. You have a good reputa on and I would like to hire your
firm to assist me in finishing this claim.
I was contacted this morning, Friday, September 30, 2011 by another Claims Investigator, out of Las Vegas.
This will be my 3rd claims investigator assigned to my case. To date, I have only spoken to one, Kyle, and I no
longer feel comfortable communica ng with the insurance company without someone on my side. I have
had coverage with USAA since 2006, however, the day a er the tornado in Saint Louis, I updated the policy.
As you will note, I did not adequate jewelry, silver, or fur coverage,

Second round of asking for help
Details of complaint: My original policy began with USAA in 2007. Since my emails to Mary the state of Missouri Department of Insurance Regulation.  They have not been able to help much either way, to date, although USAA has retaliated, and although they have stalled, said they were too busy with other perils of nature, they are now trying to put me out on the street, although my home is unlivable, and put me out for Christmas and New Years.
They also went in and purged much of the data off of my web account, including emails and policies. all the policies have been purged. I purchased this home in 2005. At the time I lived in New York and had renters
insurance on my New York Apartment, my mother lived in the house full time I traveled with my job an I had a policy on
the house. In October 2007, my mother was diagnosed with ALS, Lou Gehrig's. My sister lived in Michigan and had a
ranch style condo covered through USAA. All USAA policies held by my sister, my mother, and myself, fell under my
dad, Ronald . My sister walked away from her job to care for my mother. During that period the pipes
burst. USAA paid her about $15, 000 and then dropped her, and her claim, stating that their was an invoice from the
cleaners that had a weight on the UNsave-able clothing they returned to her. For that reason they dropped her claim,
stating that she added an UNsave-able clothing box, even though USAA sent her the invoices. They closed her banking
account, everything. As my sister was the only one caring for my mother, she lost everything and had to declare
chapter 7. My Dad, a diehard ex-military man had USAA on his two homes and 5 or 6 cars. There was never a claim.
On February 14, 2008 I walked away from my job in New York to help care for my mother. I notified USAA. In July 2008
my mother, a nurse, passed away. I notified USAA and continued to care for my grandmother in my home until October
2009. At that time my sister got a job, as the assistant manager for quality assurance in Dearborn, MI. She did not have
much to move, as she lost everything to water and mold when the pipes in her home in Michigan broke in several
locations. Holly got a Uhaul and moved her things to Michigan. Holly has a lease, a business card, and paperwork,
from December 2010 where the moving company picked up her furniture for storage, and then where to deliver it when
she found a place in Georgia. My grandmother was 110, she loved Xmas. We left the Xmas tree and lights up from
Xmas 2010 and had a special 2nd Xmas for her and my Aunt Barbara, the cancer, in February 2011. Holly and I actually missed the first Xmas in
December, we were in Michgan packing her apartment. Lena was staying in Beauvais Manor by that time, but she
she could come for a day home as well as my aunt who was utilizing rehab to get better. My step-grandmother is in the photo below along with how the house looked just months prior to the
break in. There was a lot of sorrow. We lost my mother in July 2008, my sister Holly  paternal Grandmother
(who always treated me as a grandmother) six weeks later. In October, 2008 we lost Holly's paternal Uncle. Then in
July 2009 we lost Holly's paternal, youngest aunt, it was just too much. Holly's job was over, I came to Michigan for a
while in April, I had been working for US Bank in Saint Louis and working through Kelly Services so I was in the home
Complaint Form Email http://mail.aol.com/37267-111/aol-6/en-us/mail/Print Message.aspx
1 of 2 12/17/2012 4:01 AM
alone. Holly decided to move to Atlanta. Her things were picked up by the movers and were to be placed in storage
until she found a home in Atlanta. All this information was given to USAA. After the death of my grandmother, on the
very same day as her funeral, my Aunt Barbara Golden was diagnosed with Uterine Cancer. Literally, we left the funeral
for the emergency room. My aunt had surgery. After a recovery period she was to start chemotherapy. I joined Holly,
who was living at an extended stay hotel to find a home. She decided to find something that my aunt could stay in. I
went to Michigan with her, helped drive the car from Michigan to Atlanta, and we looked for a place for her to live. After
finding one, we returned to Saint Louis as my aunt was starting chemotherapy or had started and I was taking her to
her chemo sessions. So I was back and forth out of town a few times. I do know that in April there was a major tornado
that hit Saint Louis, Missouri and ripped the roof off of the airport and left devastation following highway 270. I received
an a letter from USAA about the tornados and asking if I had enough coverage. I really took that to heart and I changed
my policy. The primary changes were for the structure of the house, but I did add a jewelry Ryder. I inherited much from
my maternal Grandmother, my maternal step-Grandmother (she is the one who passed in February 2011) and my
mother, as well as my own things. I received a call asking if I was going to cancel the other policies on the home and
the renters insurance. I let them know that had been cancelled long ago. The customer service person indicated it was
not. USAA will not send a copy of this update. I did add $40-$45k in jewelry coverage and was still woefully under
covered. I received a letter stating that due to my credit history, which took a traumatic hit during my mother's illness,
the policy was changed. What I did not know was that I continued to pay for 3 policies after USAA was told time and
time and time again. After the report of the theft, I was under investigation for 6 months. I was never notified officially
and I cooperated spending time, that I was told that I would be reimbursed for, due to my cooperation. I was paying out
of pocket for everything. I sought assistance and got a Public Adjuster Inman and Associates, who have been a sad
disappointtment. It has been 18 months since my claim. Missouri law and my own policy have not been followed. Since
USAA does not give money back, but gleefully took it and continues to take it, then I should have additional coverage.
As credit score cannot be utilized in Missouri, my jewelry Ryder should be acknowledged. USAA has had a spreadsheet
of stolen items for 6 or 7 months. The public adjuster and Chris Kelley are still ambling around on the dwelling. This is
my claim and I want to replace my stolen items. I would like my ALE that is due. This company has put such a financial
strain on me that it has taken it's toll on me, my sister, and my aunt, who passed away November 19. Additional family
members six of seven have passed away during this time. Our Aunt was our mother's older sister. I do not want to
spend another Thanksgiving (which ended up being a trek to get my aunt's body. Medicare wanted to know after her
amputation that she had a place to go (prior to all of this she lived on her home). Barbara had too many steps to return
to my home and it has been 18 months and Josh Newton is is charge of stolen items. It has been 18 months since the
theft. The criminals were living in the home, they defecated, urinated, stole the motors or some workers from all 3
fridges in the home. Since it took USAA 3 months to come to the house it was filled, like a horror movie, with millions of
gnats. Over 18 bug bombs were set off, there are gnat bodies and poison in everything. The police found tons of
medicine boxes and pots with stuff stuck in them, I was told my home was possibly used for meth. ARRS the
restoration service deemed almost everything as unusable. Now USAA is questioning ARRS and there has been no
movement on the home. Furniture that was in the home was broken and almost ALL household items placed in the
garage. The gnats are back. If items were save-able, they are not know. All furniture in the home down to the dishes
were purchased new when I bought the house for my mother. Her partner and fiancée had died and this was a new
beginning. The only things not new, were the dining room set, the master bedroom set and the 2nd bedroom set and
one television in the basement. All other furniture was purchased in 2005 along with the carpet for the basement.
Except for the china, all dishes, mixers, toaster, microwave, pots, pans dinette set, living room furniture, basement
furniture and patio furniture were new. As well as all decorations. My grandfather fought in WWII, the Korean War, and
the Vietnam War. There were many heirlooms that he sent home. I had photos and I had to show what I inherited
verses my sister. There was much silver, Waterford, and Japanese ivory and such, there are pictures of the items in the
home, and I had to account why I had photographs of the items and the photographs were clearly years old. USAA has
put me in a financial bind. I could loose this home. I want to know why we cannot work on replacement of theft which is
what I asked for from day one, the house really needs to be gutted, disinfected and fixed. I need to know how much I
have in coverage since I was paying for 3 policies. I have read the policy and found all the breaches, not Inman and
Associates, my public adjusters, they seem to be inept. I am begging for any assistance as rules in my policy have
been ignored, Missouri law, and it is 18 months, this is crazy. I don't want to live in a hotel anymore. I want funds
immediately for replacement of stolen items and a clear answer of how much coverage I have since I was paying for 3
policies up until 6 or 7 months ago. I will email all information instead of attaching it. USAA has been busy since I
contacted you purging documents that have been on file since 2007. I believe Josh Newton may have gotten rid of
everything with his name on it. I had American Greeting and Carlton Ornaments that were broken, the dining room table is damaged beyond repair. There is fecal matter, urine, chemical, and millions of gnat bodies over every surface of the home. The home is not inhabitable. The last two photos are the home prior to the theft. I need help. I have unlimited dwelling and USAA is trying to put me out over the holidays.

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USAA service

I was a member of USAA for nearly 23 years. I have moved all my accounts to a credit union and my insurance to Liberty Mutual. Customer service at the bank has steadily gone down hill, and is terrible. They are grossly understaffed. Long hold times and lots of transfers are very common. Get read to put it on speaker phone. You will have a long wait, more than likely They don't pay claims. They don't grant loans. I am told they are particularly bad with mortgage lending. I bought and financed several autos with them. I have had several credit cards with them and in recent years checking and savings. I have closed insurance, checking, savings, loan and will soon terminate my credit card. They are a stuffy, understaffed bank, run of the mill, in Texas and my guess is they will be bought eventually and even if they are not, you can do much better. They are just not what they once were. Do business with a good credit union. I have. You've thought about it more than a few times. Do it today. Don't put it off a minute longer. Leave USAA.

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USAA drastic home owner's insurance increase

I have had USAA for home owner's insurance over 12 years and NEVER made a claim. I just received a letter stating that my rates will be increased by almost $700 per year. This is ridiculous! I have tried to remain loyal to the company as I also have them for auto insurance. But, I feel they are gouging customers who have paid faithfully, never filed a claim and who do not live near the beach. I am very disappointed with this company at this point and will be getting estimates from other companies.

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gunny3013
San Tan Valley, US
Jul 02, 2012 8:19 pm EDT

I realize Insurance is a necessity to pay for damages when we can't. The scan begins when they do not want you to file a claim "or else." Once you file a claim your black listed and labeled with increased rates and penalties. So then are we just paying to pay and supposed to get nothing for it? hell I think I'd rather reinstate the MOB. At least they made no bones about the fact that you were paying them for no reason. INSURANCE IS A SCAM ONLY WHEN YOU BECOME MARKED FOR USING IT.

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USAA mortgage

USAA is terrible! If you have to deal with them for a mortgage, don't! The mortgage processor and the underwriters act as if it's their money. They don't not return calls, emails and so you never know what's going on. We were constantly asked to send them documents that they said they received. I believe the mortgage processor kept our file on his desk and didn't do anything with it for days. The gov't needs to step in and stop the military soldiers and veterans from using this bogus company that is screwing the service members and their families. Had I seen all the complaints that I've seen in the last week about USAA, I would have never dealt with them!

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Update by Hates USAA
Jul 27, 2012 9:21 am EDT

USAA is terrible! If you have to deal with them for a mortgage, don't! The mortgage processor and the underwriters act as if it's their money. They don't not return calls, emails and so you never know what's going on. We were constantly asked to send them documents that they said they received. I believe the mortgage processor kept our file on his desk and didn't do anything with it for days. The gov't needs to step in and stop the military soldiers and veterans from using this bogus company that is screwing the service members and their families. Had I seen all the complaints that I've seen in the last week about USAA, I would have never dealt with them!

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HWJ
Detriot, US
Dec 06, 2008 7:20 pm EST

USAA

USAA sold me mortgage to US Bank. I applied for a loan with USAA and next thing I know, USAA will not provide services. US Bank has an unfriendly website and bad customer service.

Do not use USAA for a mortgage.

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asdasdasgga
Abernathy, US
Nov 19, 2009 4:21 am EST

USAA also sold my loan to US Bank. I was told that they would not. I am not pleased with US Bank.

I sat next to a VP on a flight out of San Antonio. I asked him why USAA does not provide notice to applicants.

He responded that it is standard industry practice and that they would lose their competitive advantage. They regret that they must use deception, but until regulations change ... they have to continue to "lie." There CSRs are instructed to deny the practice.

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samnun
Ozark, US
Feb 04, 2010 1:20 pm EST

If your thinking of going through USAA to buy a new home be very careful. first off your going to be paying $350.00 for a good faith estimate. Charging for this is agianst the law according to RESPA. There customer service in this section has to be the most un-educated individuals in there whole company. How can this company operate with out complying with VA rules or RESPA rules. If you decide to use this company be sure you now your rights and the regulations becuase USAA dosn't. Ref - VA pamphlet 26-4 and CFR 38, along with the RESPA handbook.

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ALDG
Cedar Lake, US
May 03, 2010 5:20 pm EDT
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I applied for a mortgage loan with USAA. I was conditional approved and was set to close on May 4 as long as I provided specific paper work, ie: bank statements, 401k statements, tax returns, relocation letter stating no adverse change to position or pay. Friday, April 30, I signed the closing papers for the house I was selling. Just after signing my house over, USAA calls to tell me that my letter from my employer is not good enough and they can not give me the loan. This is 2 1/2 day before closing on the new home. Never the less, I lost the new home, I do not have a home for myself or family and pets, as well as all of my personal belongs are on the moving truck to Florida. Thanks USAA.

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bluegreen mom
, US
Dec 07, 2010 8:56 pm EST

I concur with other posters on the incompetency of USAA. DO NOT use them for their mortgage services. Movers advantage may be responsive, but the loan department could not care less. You would think that a veteran and officer would get better service from a military-affilliated organization, especially after being members for 20 years. After 45 days of waiting for closing, we have still not gotten the approval. We had to cancel closing and are now just waiting in limbo with NO answers about when our family will have a home.

The Lidman Foundation
The Lidman Foundation
Lewisville, US
Jul 27, 2012 10:33 am EDT

Good review. USAA is for the cats.

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yone
, US
Mar 17, 2012 4:26 pm EDT

before they transfer me to other banks, Can i say no i dont want any other bank? or can i pick the bank i prefer?

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rae copeland
, US
Jul 26, 2011 3:44 pm EDT

I agree completely we are going through the exact same thing suppose to close yesterday - no information, no return information we have provided everything and more. We have been members for more than 30 years and I have never been so made. Do not use this company for mortgage lending you will be sorry.

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aileron
Cary, US
Apr 22, 2011 3:34 pm EDT

USAA Mortgage is a stain on the reputation of a company that otherwise stands head and shoulders above the rest. A few years ago I checked USAA's mortgage rates. They were not competitive, but then I noticed they had a clearly worded statement that they would match any competitor's rates. I decided to go with USAA for my mortgage for three reasons. 1) Their non-mortgage services from banking to insurance to brokerage have been stellar. 2) I wanted to keep all my finances in one place. 3) Based on #2 and protection from false advertising laws, I trusted that USAA mortgage would honor their clearly worded offer to match competitor's rates. I confirmed point #3, the matching rate offer, on my first verbal contact with USAA.

When our home neared completion and it came time to lock rates, the agent told me the possibilities. None of them was competitive with the market at large. I told the agent that I have a published rate from Navy Federal. Navy Federal did not have the very best rate, but they were close. I figured that they are so obvious a competitor to USAA for mortgages it would be easier to get the rate matching, but then the USAA told me something that hit like a load of bricks. She said they don't match rates, and have no intention of matching anybody's rate. I directed her to the USAA web page with the wording of the offer that could not have been more direct and to the point. She told me that she knew nothing about this and was not authorized to match rates. I asked to speak to her manager, and she obliged. Incredibly, her manager knew about the published offer and told me she would not match Navy Federal's rates. Why? Because she wouldn't. She had the authority to adjust rates. She never offered a good (dare I say legal) reason. She just refused to honor the advertised offer.

By now it was so close to my closing that she knew I would have a lot of difficulty getting a mortgage elsewhere. I am rarely moved to anger, but although I maintained a respectful tone with her on the phone I could feel my blood boiling. As soon as I got off the phone I applied with Navy Federal. I asked them to expedite the loan, and they obliged. In fact, my processor worked extra hard to make it happen quickly. I had to pay some fees of course to start the process. When I got approval from Navy Federal, I called USAA to cancel my mortgage application. Miracle of miracles, they decided they could negotiate their rates after all. They came close, but did not exactly match Navy Federal's offer. It was close enough that I didn't want to risk my closing date and agreed to the USAA terms. (I sent the Navy Federal loan processor a nice present for backing out of the loan process after she wored so hard to push my application through. I felt horrible about doing that, but if I didn't have my closing by a certain date the construction contract applied penalties.)

At least I'd have all my finances in one place, which was important to me. So I thought. USAA promptly turned over servicing of my mortgage to US Bank. The letter I got explained that I would still be able to view my loan information through the USAA website, which simply isn't true. In fact, when I called to re-finance, even USAA mortgage agents can't see it. Others here have noted US Bank's mortgage website is not user friendly. In fact, it had a number of bugs that I reported and they were slow to fix.

USAA mortgage application and servicing does not meet the standards of excellece set by the rest of USAA. Their reputation is their most valuable asset, and they should either stop mortgages or bring up the quality to the rest of USAA.

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usaa-complainer
Weston, US
Mar 31, 2011 5:55 am EDT

I was doing a short sale where USAA is the second mortgage. The first mortgage OCWEN agree with the short sale but USAA did not and refussed to accept the offer. They called me 30 times to collect their debt but 1-2 time to negotiate the short sale of the house. They want me to give $ 15, 000 for closing
and after saling the house they still want me to pay the remaining $ 40, 000
to $50, 000 over 15 yrs. I am still trying to negotiate the short sale but they are
terrible comming out with a deal. Their negotiator was relocated or resigned.
Terrible company for a MORTGAGE. They are supposed to help all service members but they really don't. The other mortgage OCWEN was more cooperative and willing to negotiate. I called corporate to complain and good luck with that also. Use another company for a mortgage.

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USAA horrible loan dept

I wish I would have found theis board before I experienced thee exact same theing theat everyone else has. When was my closing date you may ask? Friday July 20the, it came and went, and I am now out of contract, and have 10 days to find a place for my family and pets to live because USAA mishandled thee entire mortgage process. The day before closing theey were still going back and forthe therough thee 3rd party vendor reviewer and thee appraisal and all of a sudden found a lower comparable put it in thee report and said thee value of thee home dropped 16K from thee original appraised value, and theey couldn't loan thee amount of theee sale. REALLY? NO one botheered to call me, I have been following up withe my loan processor every otheer day making sure we were moving in thee right direction. This has been a nightmare. I have used Wells Fargo to purchase 2 previous homes, and can't believe I trusted USAA. I was told my a mgr at USAA on Friday theat I should start proceeding withe anotheer lending institution for my own safety, as she didn't theink theis loan was going to go therough. I was told it would take 2-3 weeks to get anotheer comp reviewed even therough it took less thean a day for theem to therow one in theee day before closing to drop theee home value. I theink it is a scam, and I theink it is to make sure theee bank loans less money on a home theat is far over value. I went withe USAA as I trusted theey took care of theeir military members WRONG

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Heather Leverson
Charlotte, US
Oct 27, 2012 7:54 pm EDT

Just responding to your complaint. I work in the Colordao Springs office. I can tell you that at least my office is on what is known as a "work slowdown". Since us mortgage processors are not unionized, we have little recourse when huge work demands are made upon us. For example, our average caseload is 80 borrowers! We have got to process 80 different loan files concurrently with no support and no systems training! The only way to "get rid" or move oans off of our "pipelines" is to delete the documents the borrowers send in via fax (which comes right to our in bix, email OR delete the emails directly OR delete the inquiries from the member portal system. (thats where you log in to see a secure message). This is all out war and I am sorry it is you, the member that suffers. However, how do we get management's attention?

I admit, there lso is some bitterness on our part as well- picture this: You work for slave wages at a mortgage company, you are treated like dirt, and expected to meet goals. Now, also picture looking at loan applications all day of you phucking winey cry babies retired at 39 years old with a pension for life! WTF? No wonder our country is in trouble- freeloaders like those members that have NEVER seen combat/war theater. I can understand taking care of our Veterans that have seen battle- I get it. Anyways, just know that you are way way way better off walking in to your local community bank and sitting across from a real person rather than dealing with a remote service center (USAA) that could care less!

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USAA customer service

Wow...I should have read these comments before staying with USAA for over 20 yrs. I recently found out the customer service award they continue to advertise about is only on the surface. They used my USAA loan against me to prevent refinancing my home. After thousands of $$ in premiums over the years, I've never filed a claim with USAA. The loyalty only appears to be on the part of their clients. Beware & do your homework - they are a business like all of the others.

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USAA they have a fraud dept that does nothing when obvious fraud occurs

They have a fraud dept that does nothing when obvious fraud occurs, they are complete idiots. It is christmas eve day and zero notification from the bank I have used for almost 10 years that my debit card info had been compromised. Two identical charges made in california at a shell station and I live in tx but no one notifies me or tells me anything. Spoke to fraud dept just now and they basically said “too bad” and then tried to blame the fraud on me because I used my debit card locally here in tx”. Really? And I will not have access to any money now for up to 10 days until I get another card. Merry f* christmas to my child when he won’t have gifts.

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USAA terrible company

Last year my vehicle was slightly damaged while parked unattended in a parking lot. I reported it to USAA and let them know I would not be filing a claim since it could be fixed inexpensively on my own. Later I found that USAA had reported in the CLUE and ISO databases that I filed a claim for being involved in an accident.

When contacting USAA for assistance, I received some abrupt treatment from several claims representatives, then ended up talking to two managers - one who failed to return a phone call as promised and another who was quite arrogant in his downright refusal to correct the inaccuracies. To date, USAA has been perfectly happy to leave this false information about my claims history in both public databases, and I am missing out on a safe driver discount at my current insurer as a result.

This was the final straw after several years of putting up with clueless representatives and gradually-rising premiums with no reason or explanation.

I have since closed ALL of my insurance, banking, and investment accounts with USAA and the rest of my extended family is in the process of doing the same. Don't trust this dishonest company.

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Larry
, US
Mar 03, 2009 6:55 am EST

My complaint is in regards to an accident that transpired on 11 Aug 06 under USAA Policy # 1541-35-53. The representative we spoke with after the accident stated that my wife was at fault due to the fact that she still had use of her brakes even though the brake usage had been diminished because of the previous accident that was not completely. The justification was that she may not have had 100% of the use but still had functional use of the vehicle. This did not bother us at the time because USAA did not raise our rates.

After switching from USAA to Progressive we were informed that the “at fault" accident on 11 Aug 06 would cause us to pay an increased rate. Upon hearing this accident was affecting our premium on the 16 Feb 09 I contacted USAA with the assistance of Progressive via a three way call. The USAA representative informed that the original rep would have to handle contesting their decision. Later that day, the claim rep's manager called me to inform that the fault of the accident was not the brakes because the repair shop inspected them before releasing our vehicle and couldn't find anything wrong. I informed the manager that my wife and I took our SUV to the dealership where the maintenance manager test drove the car with us and stated there most certainly was an issue with the brakes. Koon's Toyota replaced the Master Cylinder and the brake issue was resolved.

The USAA manager then stated that the two instances were not related because of the inspection done by the repair shop and the assessment completed by the insurance adjuster. I informed that the failure of their people to identify a problem doesn't automatically make the issue my wife's fault.

The USAA manager questioned why we waited so long because the incident was now outside their statute of limitations which was two (2) years. I informed that our rates had never increased for this accident until we switched insurance agencies. At this point the manager challenged the fact that our rates never went up…which they didn't.

The USAA manager started to repeat her argument that the vehicle had been inspected and the original assessment would stand and that USAA could not and would not reverse a decision made over two years ago. I pointed out how USAA had told us that we were originally at fault because we had some use of the brakes when the accident happened even though it was associated the previous incident, then when we called back we were informed that the accident was unrelated to the previous incident with a convoluted explanation that is only valid if the master ABS cylinder went out within two days of our car was released to us.

Upon hearing this the USAA manager said she wasn't going to reverse the decision period. I then informed I would be submitting this complaint and ended our conversation.

USAA mislead regarding the reasoning of a claim which didn't surface until we switched insurance companies and is costing over $500 a year difference in premium.

I was only seeking a letter stating the accident was not at fault meaning my wife wouldn't be held accountable with an increased premium due to the automobile not being repaired correctly. But were instead mislead and then accused to cover the fact that they can no longer make the change. Progressive stated they could make the change up to 35 months back and that every company is different. Do yourself a favor, choose progressive or another insurance company over USAA.

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Toni57
, US
Jul 25, 2012 1:15 pm EDT
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First, back in 2010 when my husband was deployed, I received no less than 5 phone calls in the same day from USAA. Each time I was told that my husband would have to have a physical for the extra life insurance policy he took out. When I informed them that that would be impossible since he was deployed, they would yell and get rude with me. It was a very stressful time for me and I didn't not need or ask for that kind of harassment.

Now, fast forward to this summer and I've been trying to slowly pay off my credit card. Times have been a bit rough since I have been out of work for a year. When I called to try and work out some payment plan with them, I was transferred from representative to representative and each time getting nothing but judgment and rude comments. And now today, I get another call from them, wondering why I'm having a hard time making payments and more harassment. I will be dropping them like a hot potato!

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Nathan86
San Antonio, US
Apr 26, 2012 10:44 pm EDT
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I agree with you USAA is an awful company. USAA tries to tell everyone that they are a Federal Savings Bank that caters to military, former military and those who support the military. Up until recently I fully believed that this was the case. I have had USAA since I was about 16 years old, through my fathers service to our great country I was “fortunate” enough to be able to get USAA membership. Then once I joined the military I continued to use USAA. I am now out of the military, and contracting for the U.S. military in Afghanistan. I have been in Afghanistan now for 14months. I applied for a home loan through USAA and was approved immediately. I followed all of USAA’s mortgage services representative’s instructions (Sandra Tessitore). I had 45 days from the day the offer was submitted and all of my paper work was filed out, for Sandra to fill me in on any issues that might arise. Several times I emailed her with questions only to receive no reply for several days, or until I got sick of waiting for an email and called her directly. Seven days before I was supposed to close on my house Sandra notifies me that since I am a contractor, I need a letter from my company stating that they will keep me on contract for three years no matter what, and that my pay will stay the exact same ($145k a year). I asked her why it needed to remain 145K when the loan I am going for was only 220k borrowed…her answer that’s what the underwriter wants. No company can guarantee employment for three years and these conniving criminals know it. So due to USAA, and Sandra Tessitore, I am out $2, 000 dollars earnest money, the fees they charged to go through this entire process (with the extra points I bought around $600), probably around 20 hours of my times on the phone with them, oh yeah and did I forget to mention a house. USAA is not about helping military and former military get fair deals, they are all about making the quick buck and then dumping you in the trash like last weeks leftovers. If USAA would have told me these ridiculous “regulations” up front I could have had the time to go to a lender that can give loans to those who serve our country overseas and not the thieves at USAA. Once I am back in the states, able to go into reputable bank and insurance company, I will be getting rid of my USAA Performance First Savings Account, Normal Savings Account, Checking Account, Life Insurance, Home Insurance, Car Insurance, and Credit Card. USAA will not care about this because they have thousands of members who are unaware of their crooked practices. I just hope that this review will help fellow contracts know to go through another lender and not make the mistake I did by trusting USAA.

-Nathan

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fedup48
Phoenix, US
Aug 24, 2009 3:09 pm EDT

This is the most ridiculous complaint I have ever heard. How does your supposed not having use of breaks cause this wreck. They just happened to not work at that time yet they were before? And did you or did you not hit the other car? Thats your fault. IF the breaks were supposedly bad, its the repair companies fault not USAA's. You signed off on the repairs did you not...

You dont state the year of teh vehicle or anything. The Brake ABS master cylinder was not damaged because of the last accident. You just dont understand and are mad because you have to pay for a wreck that you caused. You hit someone. DOnt slander a good company because of your ignorance. Are they perfect? Hell no, of course not. Show me a company that is. Do they and other companies make mistakes? Duh!

If your gonna write some complaint at least have the decency to put in all the facts for those people that read this stuff w/o any common sense. Your version of the accident completely shows that you were at fault.

Unless you pulled out of the repair shop and hit the first car you tried to stop for, it was your fault. You had a wreck. A company paid out on it yet they gave you a break and didnt charge you for it. Now you left and went elsewhere because of your ignorant anger and, shocking, you have to pay the other company. If I ran that company I'd say good ridance.

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MadinUtah
Salt Lake City, US
Mar 05, 2009 7:15 pm EST

I signed up with Talent Hunter.com BEFORE I did my research. I paid $149.99 so I could sign my daugther up for 6 months. I thought I was getting a good deal becuase I recieved an email from an "agent" saying that they would be interested in my daughter for a commerical that was being shot in my area (my daughter's pic wasnt even posted at the time, should had be alert number 1). I complained to Paypal and my bank that this company was a fraud.

Too make a long story short, these people WILL NOT respond to any of your requests about cancellations and refunds because they dont have too! My bank (USAA) will not dispute Paypal, told me that they were untouchable. I disputed with Paypal and my claim was denied. I complained with the Better Business Buearu, still pending but Im sure that my money is gone.

People do your research please. I feel so stupid becuase I cant even get my daughters pics to even load up on their website. SO I got screwed with no protection at all! MAN!

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USAA lost poa!!!

My husband gets his orders...we do ALL the neccessary paperwork (tons), one of them being the POA for the banks...
I go to access the account and ALL OF OUR MONEY and I am told " we don't have your POA...but don't worry you can just put it in the mail and "the back office" will take care of it next week sometime" (!) Unfortunately it must have been misplaced.
HELLO...you misplace car keys not a POA.
Funny thought...if I had access to his account because they had the POA, I would close this account PDQ!
The bottom line...bank with a local credit union near you.

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MILLENNIAN
Henderson, US
Apr 13, 2012 5:13 am EDT
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USAA has become a complete scamming to its member/owners. I had 25 years with them in paid premiums and they dropped me on my VALID first claim of stolen furniture on a move. They never intended to ever pay any claims! Drop them before they drop you! And self-insure yourself with your state department of insurance! Its much cheaper and honest!

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USAA fraud

My daughter with diabilities, received 2 cecks in the mail from USAA BANK, San Antonio, Tx, but post marked Madrid Spain Thur.4/5/2012, without my knowledge she tried to cash the checks, at a cash n go she, was told they were ligitimate, only to be stalled to be placed under a 24 hour investigation, for forgery.She was released this morning 4/7/2012, and told if this story does not pan out we will pick you up for forgery. I am totally upset, and want to know what is going on where did they come from, and who sent them. They had her whole name on them. I'm concerned about identy theft. As well as other people being taken advanage of. Any assistance in this matter would be greatly appreciated.My daughter works every day, and has a 7yr, old son to raise, no record of any trouble like this Concerned mother. [protected]@msn.com

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USAA failure to pay for damages

I was hit by __________ whom is insured by USAA on a Friday evening coming home from work when Miranda topped a hill on the wrong side of the road and collided with another car then hitting me. The accident was determined to be her fault by 3 witnesses and the police dept in Nolensville TN. My vehicle was deemed totalled by USAA and an offer was presented to me 17 days later. I did some research and found out that they were using after market parts on the estimate which made the savage value higher than what it sure have been if i decided to keep the truck. They also low balled my truck (provided evidents to them) and deducted 2000.00 because i have a rebuilt truck that the state of TN came out and inspected 10 years ago. During this time I was told the the rental truck that i had secured to get back and forth to work was denied coverage. I was left holding the bag for approx $16 because they told me that USAA is not obligated to provide me with a like vehicle even if i used it in my part time business (Gary's Paint and Body). In my procurement of an automobile/rental to get back and forth to work I had to take off a day ($20.50 X 8hrs = $164) in which i was not paid. I explained to the lady that I was a contractor and if i miss work i do not get paid. I rely on my 40 hr work week check to pay my bills like many Americans do. USAA offered to pay me 1/2 what i was due.Last I have the vehicle in storage and am paying insurance on this vehicle. According to the records I am due 21 days of storage and the check can be made out to Gary's Paint & Body Shop.
Last i did not ask for this lady to come over a curve on the wrong side of the road and put me in this spot. I change the oil in my truck as recommended by the mfg and the oil that i purchase which is the synthetic brand. This ladies carelessness has cost me considerable and now her insurance company is trying to get out of everything they can. first it was the rental, then the estimate using aftermarket parts, the day i missed work, and the low figure for my truck. Hopefully you can see a pattern here.

I faxed USAA a list of trucks within 150 miles as they suggested with similar if not identical options. The least expensive truck was 8990.00 - 2000.00 (branded title) = 6990.00 + tax ..etc. They are offering me approx 5900.00 for my truck 3000.00 less than what i can purchase a similar truck back. Along with the missed day of work, the storage fees, and the partial rental payment. Since i have been out of a vehicle for over a month i was forced to purchase a vehicle at a considerable cost. All i asked these people was to put me back were i was before i was ran over by there insured but they are uncooperative. 6990.00 + (21days * 10 = $210) + $16 for failure to pay rental on truck) + 1 work day ($164) = 7380.00 + any tax due..

USAA offered me 5962.00 at a loss of over 1400.00

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USAA alienation of products

A few years ago my husband was injured in the line of duty with the military. Of course, we faced financial difficulties. We fought it for several years, but finally had to file for bankruptcy over a year ago. We have been long standing members of USAA and with us filing for bankruptcy; USAA has shut us out of their website and refuses to offer any new products to us (insurance coverage). This is really unfortunate since USAA claims to be there for their service members and their family.

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dirtymoneyman
, DE
Apr 08, 2012 9:11 am EDT
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Sad Spouse,

Did you claim bankruptcy on an USAA loan or credit account? Unfortunately they may not want to do business with you if that is the case and will close your accounts down. Your lawyer should advise you of this.

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JEShearer
Carthage, US
Mar 22, 2012 9:07 pm EDT
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I have been with USAA for over a decade and recently my wife (Honorably discharged vet) got into some trouble and had to do a few months in county jail, USAA said that because she went to jail (for a minor assault) they can no longer carry her on the policy. This is prejudicial and overly biased. They cited a moral clause, well how moral is it to condemn a veteran for making one mistake in life.

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USAA - every aspect of usaa sucks

First of all, their post date sucks. One day i could have 200 and the next day after the arrange the transactoins i will some how have 180. Secondly, their insurance sucks!! I was paying almost $400.00 a month for insurance and then realized this is so stupid. So i filled out a quote on GEICO and saved about $200.00 for the same exact policy coverage. And...

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USAA unfair practises

This bank is out to screw anyone, especially veterans whom are on a fixed income. They charge $29.00 NSF fees for repeated attempts for a company whom you owe, but will not tell you whom you owe money. I've been trying to close this account since the first of this month and they keep adding their $29.00 NSF fees. This bank is very unfair to the little people like myself. This bank advertises that they want to help you. Believe me, they do by adding and adding fees when they know that there will be money coming in on the first of every month. If you are a veteran of the United States Armed Forces, think twice before opening up an account with this bank, especially if you are on a disability income. I would recommend going to Generations Federal Credit Union for your banking needs. They have privilege pay fees of $25 per transaction and you can go under a zero balance to a negative $500.00. USAA SAVINGS BANK is for people who have money to blow. You are suppose to be able to click on the check number and find out who is hitting your account, but when you do that, it reads that the information is unavailable and to check back later. Yes, when you pay all those fees, then you can click on the check number and find out who was hitting your account. YES, GENERATIONS FEDERAL CREDIT UNION, I"M BACK!

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Update by DMatt02261953
Jun 07, 2014 6:39 am EDT

KANSASFLOWER...I was very angry when I submitted my complaint against USAA Federal Savings Bank. I feel that banks and credit unions should have more compassion towards its members especially now days when some people have tough times. No matter what financial institution, there will always be disgruntled members like myself who is still having it tough because of unemployment and chronic illness, and other factors. But, I would like to see the Co-Founders and the present EXECUTIVES of USAA Federal Savings Bank and GENERATIONS FEDERAL CREDIT UNION live in my shoes for just one day and see if they would like to live like I have to due to all of these companies and financial institutions who charge an arm, leg, and anything else, these fees, charges and unfair APRs all because of a stupid credit scoring system that they use just to belittle "little" people like myself and to make themselves look superior to everyone else. Amen? Amen! These financial institutions aren't all that bad, however...they need to look at their banking practices and procedures and do some revisions, and maybe even look into their own employees credit practices. Of course, when they are paid more than they are worth, that pisses me off every time I speak to any of them. They think that they are as superior as the Co-Founders and present Executives.

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Monty
, US
Dec 18, 2008 8:33 am EST

Usaa continues to display 'unavailable' on caller id even though it violates fcc rules. the words 'private', 'out of area', 'unavailable' are not allowed even if the company has an ebr (earlier business relationship). I answered their call several times, told them this, but I still get calls. I have filed several customer complaints to the fcc. the fcc should make usaa pay a fine and make them follow the law.

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Kansasflower
Lawrence, US
Mar 16, 2012 10:16 am EDT

This is happening to us right now and because a few times our account has gone negative they have said "due to account history we cannot reverse the charges" BUT when I had $17, 000 in the bank before I opened my business they kissed my butt and did anything I asked. They used to be a great bank but not anymore!

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K.Hank
St. Petersburg, US
Feb 11, 2009 8:41 am EST

I too am having the same caller ID violation from USAA. I submitted several complaints to the FCC but the calls still keep coming.

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.

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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.

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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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