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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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4:17 pm EDT
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USAA claim

Over the weekend someone threw some type of liquid on my BMW trunk lid. It left ugly brown spots and even ate through the paint in places. The USAA Adjuster came out and gave me a quote of $444.00 minus the deductible it comes out to $194.00. He didn't seem to think they would need to repaint the trunk even though there are black spots showing where the paint is gone. I went today and got some repair estimates and they are all about $1000. USAA doesn't want to pay me any additional money to get the car fixed...they even accused me of not intending to fix the car (which is very rude and offensive).

My advice, stay away from USAA. I have been a LONG time customer of theirs (since about 1987) and look at how I am being treated. After the way they have treated me concerning this claim I would NOT recommend them to anyone.

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12:34 am EDT
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USAA refuses to pay

two years ago I was involved in an rear end collision, ( I was the one who got rearended) the guy hit me once and when i was getting out of the car he hit me again. This caused injury to my self (shoulder and back) I was being treated for both injuries until USAA decided it was not going to pay anymore even though all the doctors said i still needed treatment. Two years later they still have not paid for my time loss, they just recently paid part of PT (2010) and now they are refusing to pay for time loss saying I never requested it, when confronted with documents showing i did request it. I was told now I need an IME to see if the injuries they ahve been paying for are due to the car accident. ( two years later) I have now lost my home, my cars because USAA refuses to pay my time loss and other policy items. I have to fight with my own insurance company, have not even had to fight with the other one yet... Your insurance company is suppose to stand behind you and be there when you need them. Not screw you over.

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USAA: Fraud Maybe Or I hope Incompetent
Colum, US
Jan 06, 2014 9:37 pm EST

Wow, and I thought I was the only one.
I figured my representative at USAA was simply incompetent.
Going through almost the same exact thing, had 2 spine surgeries tons of tests (pre and post-op) and now in therapy.
USAA has refunded a few hundred dollars and my out of pocket expenses are about $18, 000... I have been using my health insurance (not USAA) and simply submit for reimbursement of my copays, etc. *Note: yeah $18, 000 in co-pays, USAA is getting a sweet deal but refuse to pay b/c "they don't have enough info."
It's been over a year and USAA has done everything they can to keep from helping me with my expenses (which would be huge if I didn't use my health insurance).
USAA claims they have been requesting info from providers and yes they have sent forms to providers but don't follow up.
Additionally, they have falsified documents (i.e. info requests for therapy didn't go out for a few months then when I complained they sent 4 requests (#1-3 & Final) within 2 days. The kicker here is they changed the dates on the paperwork/requests: the proof all 4 documents were post marked on 2 days, as stated they all arrived in a 2 day span and the kicker: the "request date" on Info REquest #3 is before the "request date" for Info Request #1.
The worst part is not only did they commit fraud by falsifying the dates on the requests to make it seem like they were trying (ie make it seem like they had actually been requesting data in order to make a decision on reimbursement) to get the info they used the US Postal System to aid in this ruse, that's mail fraud. The best part: I go to therapy 3* a week and speak to the billing department at every visit. I used to give them a hard time thinking they we at fault... It should be noted that they billing department of my therapist is hyper vigilant and reliable, they are also the ones who caught he previously described fraud. The good news is they have the manipulated info requests in my file and yes, they saved the postmarked envelops.
OK, this is the kicker: USAA told me that their "Dr. reviewed my file and is saying that my therapy as "it's not medically necessary due to their file review. The problem here is that "they haven't been reimbursing me for anything b/c they need more info from the providers." That's what I call refusing to provide the benefits I have paid for. Additionally, my Neurosurgeon is one of the top Dr's at Johns' Hopkins and is nearly impossible to get appointments him, he simply cherry picks from patients all over the world... he's that good and I got lucky (I had a friend of a friend [the Johns Hopkins Neuroscience & Psychiatry department get him to take my case]).

After 2 spine surgeries that fixed some issues I am/was still in a great deal of pain (radiates through neck and upper back as well as rib cage) my Neurosurgeon had me get a discogram which showed that a 3rd surgery was not the best path, at least for now. I was referred to another Top Dr at Johns Hopkins (arguably the best hospital in the world) because of a myfacial and nerve issue (his areas of expertise)... this Dr referred me to a therapy/pain specialist that specialize in Dry Needling (excruciating painful and an hour from where I live, talk about a miserable situation... I also have a job). But it's helping... and I hope to be done with that by summer (finger's crossed). Again, USAA doesn't have the info necessary to pay me for the $18, 000 in related costs under PIP (not to mention the pain, suffering, stress, inconvenience...) but they have enough info to essentially say "your top surgeons at Hopkins don't know their stuff and the therapy is a waste of time and money.

OK, here's the real kicker: the person who ran a stop sign, entering an intersection that was a 2 way stop (I was on the main road with no stop sign...) told the police (it's in the reports) as well as the insurance company that she "didn't see the stop sign because she was talking on the phone, " yep she broke 2 laws (talking on non-hands free device while driving and blowing a stop sign..." The kicker I mentioned: we both have USAA insurance... There's not a person on earth that can convince me that they aren't playing games with my personal coverage (my policy paying for my medical expenses...) so later on the settlement (with USAA under the other person's policy) will not be as large.

I trusted USAA (they have 99% of my investment $, all my policies...), maybe we both have the same adjuster and that's the problem... but I doubt it.

I also have a ton of lost wages (disability after spinal surgery)...

Feel as if I am rambling... watching game and FSU is getting destroyed... One more note on the lack of support I have gotten from USAA: my adjuster rarely calls me back and when I speak to her manager I get assured that "your rep is doing all she can to help." That might be true if it's her helping USAA to blow me off and set the stage for a minimal settlement later. I am exhausted from this and will be calling a lawyer (I want the benefits/coverage I pay for and also not get raped by them later on. Guess this is the great service a Disabled Veteran should expect from USAA. Pathetic.

It should be noted that the only bills they have paid are for: 1. CT, MRI... after my second spinal surgery to figure out why I still had massive pain in my neck, upper back, rib cage/multifidae... (my therapist is a Dr and really knows her stuff, that firm is also linked to Hopkins...) & the pain specialist who referred my to this therapy/therapist and I follow-up with every 2-3 mos, The best part here is they paid for the CTs scans, MRI... directly to the provider so they are well aware of the fact that I have the top Dr's in the world working with me and they also agree that the car accident was the cause of the spine surgeries, current treatments as well as the pain, inconvenience...

I am sure that we are not the only people they have done this to and the mail fraud thing (which the Dr/therapist and I can prove without a doubt)... I used to love USAA but this situation is ridiculous.

Anyone know a good lawyer in MD that specializes in this type of Law?
I will be going to court, this will not be settled and I definitely intend to address the mail fraud in that forum as well... If anyone has had a similar situation respond to this as I think a class action lawsuit is in order. I can't imagine that I am the only member they are doing this to. I imagine there are other disabled veterans that they are doing this to and it sickens me that those men and women may not be able to understand the situation to the degree that I do (I'm not an insurance expert but am learning the ins/outs)... it makes me sick.

Again, there's a chance that we both had miserable support at the adjuster level, but from the research so far it seems that USAA tries to make paying $ to providers or reimbursing out of pocket medical related costs due to an accident nearly impossible. Guess that's why our premiums are low. But, from my perspective why pay any $ for a deductible if when you get in an accident and are hurt, incompassitated and receive no support/benefits... I feel so "valued.." Yes, sarcasm.

Finally, if anyone else has had issues with USAA doing all they can to not support you, provide reimbursements after an accident please respond to this string with your contact info. Again, you are not alone & I would love to hear your story and policy team up with you in a lawsuit (again, mail-fraud was used and is simply one manifestation of their making this process unbearable...). Guess all that matters is the profits.

-A

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sam08030
Gloucester City, US
Sep 06, 2012 10:19 am EDT

my car was parked and it was hit by a USAA insured and we are being tried like this mess was our fault.. their insured hit our car and ran if it was not for the witness we would be out of luck.

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9:08 am EDT
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USAA poor service when usaa customer causes accident

Husband was hit by a USAA insured driver this morning. Claims department couldn't be more UNHELPFUL-- wanted us to go through our insurance & pay our deductible when their client was issued a citation for improper left turn. Would not send a tow truck to tow his inoperable car (he had just dropped me off at work-- so I was also car-less). Was told if the city of atlanta kept the car in their impound lot over 24 hours, they were not responsible for the charges! Worst insurance company ever.

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7:04 pm EDT
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USAA usaa checking account

I was a member of USAA for 15 years. In 2005 my mother had chemotherapy which led to huge medical bills and financial troubles. In 2007 I applied for a USAA checking account. In addition to being denied a checking account, USAA cancelled my online access to my auto insurance and labeled me a "security risk". Due to a derogatory financial report that USAA solicits from a 3rd party company, I was no longer able to acess the USAA website, auto insurance increased, and a simple checking account application was denied.

This is the most ridiculous business practice I have ever heard of. USAA valued its customers at one time, but now this company is reorganized to maximize profits by mimicking the same unscrupulous business practices that led to the collapse of the banking industry. Read the complaints people, notice the trends. USAA is under new leadership. Leadership that views all of its loyal customers as fat turkeys long past due for their holiday slaughter. In the next ten years this company will follow a pattern seen far to often in businesses; increased financial success leads to abandonment of ethics over time. The tail is now wagging the dog in USAA folks.

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Jen Roy
Bristol, US
Nov 24, 2015 10:59 pm EST
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I was told suddenly today that my banking checking and savings are in credit only mode . Now it almost time to get paid VA disability and cisr said they wont give me a check for up to 30 days. I wont be able to pay my rent or my of my bills. I have been on the phone all day I want to know why they suddenly do not want to service me for any type of banking. Is there any way I can get my VA money sent to a different bank instead of USAA direct deposit? I called the VA they told me on the 17th of the month it was set up to go to USAA, and now if USAA does not fix it this problem I have to find a way to get my direct deposit into a new checking and savings account credit union asap. This is horse poop any help please help me out

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3:19 am EDT
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USAA mortgage process

My credit score has been around 800 for 20 years now. My home is paid off. I decided to place a mortgage against it and applied at USAA. It was a new loan for the first time on my home. USAA called it a refinance though. Never understood "refinance" because there was no loan which was to be paid off. With all the problems associated with escrow accounts, I paid a quarter of a percent more not to have an escrow account. USAA'S good faith estimate however had one block checked stating that this mortgage "has" an escrow account. Then on the next page it says the escrow account is waived. When I pointed out the checked box stating there was an escrow account and at the same time it also says it was waived, I was told that the box cannot be unchecked now. I was told That even though it says there is an escrow account, there really isn't. I said if you sell the mortgage, tell that to the company who buys the mortgage. While I pay my realestate taxes and homeowners insurance for the full year, USAA for some reason incremented my tax and insurance into a monthly payment. If there is no escrow account and if I am to pay my realestate taxes and insurance on my own, why would USAA brake the yearly rates down into monthly increments? Then, when I learned that they intended to sell the mortgage right away to GMAC and have a servicer of PPH, I had to fold saying I would not apply for the mortgage there. One reason why some people have high credit scores is that they steer clear of companies that have higher number of complaints.

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Amir C
, US
Feb 11, 2019 7:19 pm EST

Very rude and unprofessional adjuster (Elizabeth Shawana) just keeps referring to office policies instead of helping the customers with their issues.

Another person I talked to yesterday was very helpful (Candice) and was very understanding to put a request for an SUV as rental but the other adjuster (Elizabeth) kept talking about her policies.

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ML Jacobs
, US
Jul 22, 2011 9:23 pm EDT
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I have long been a fan of USAA, so I was incredibly disappointed with the nightmare I've been experiencing with their mortgages. Like many others here, I refinanced with USAA and found them to be completely incompetent. They have filed inaccurate documents, "misplaced" escrow funds, and failed to accurately figure monthly payments. Yes, they even cancelled my appointmet for signing my closing documents TWICE (due to calculation errors on their part), causing me to miss work and another important appointment.
The customer service, normally so great, is abyssmal. They seem to have a warehouse of contractors who come and go, and show little if any interest in calculating accurate figures or providing information. I ended up working with 5-6 people because no one could seem to figure out how to complete the closing papers.
In addition, they force you to open an escrow account with them and then increase your monthly escrow payments every year. They also claim to provide services to help you coordinate with your lender if there are any problems (of which there will be many). This results calling 3 or more phone numbers trying to track down the person who can help you with your specific problem.
Avoid USAA mortgage services at all costs! Their insurance is great, but their mortgage department gets an F-.

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Lisa Kronsnebel
Pittsburg, US
Nov 14, 2010 3:21 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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Keith C.
Seaford, US
Feb 22, 2011 2:03 pm EST

USAA Federal Savings Bank
4 star rating
79 reviews Rating Details

Category: San Antonio, United States Financial Services Banks & Credit Unions Banks & Credit Unions
10750 Mcdermott Fwy
San Antonio, TX 78201
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www.usaa.com
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* USAA Federal Savings Bank
Review from Jim C.
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5 star rating
12/31/2010

The 1-star reviews about USAA's mortgage service are puzzling, and I'm guessing they're from people who don't clearly read the obvious fees (which are refunded upon funding). My process couldn't have been easier.

I had them process a pre-approval first. They faxed it to my realtor. When it expired (6 months later), since finding a home in California was so difficult, they simply generated another one. When I finally found a home, my realtor faxed them the contract. The very next morning, USAA called for the formal application process over the phone. I was given the option to lock immediately or float. Was also given a closing date one week after what the contract stated.

A few days later, I received the packet to sign and return. There were no errors on any of the documents. After this process, I'm guessing I was contacted about 5 times either by phone or email (my realtor did most of communicating). Most of this was to let me know where the loan was at--in process, sent to closing, funded. I was warned not to do anything to screw up my credit in the meantime (no large purchases, no other applications for credit).

The notary who came to my office was stunned at how simple the documentation was. The signing and stamping took about 15 minutes (I had been warned this would take 2 hours).

Had to push slightly to get the closing date a week early. Luckily, my realtor handled all of this communication. The closing didn't quite happen, but USAA did end up funding 5 days before they guaranteed they would. It was 2 days after the contract date, but the sellers were OK with that.

My backup mortgage choice (Bank of America) couldn't come close to beating the interest rate without paying for major points.

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* USAA Federal Savings Bank
Review from erin o.
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erin o.

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Redmond, WA

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1 star rating
12/2/2010

I wish I had read these reviews before I started the mortgage process with USAA! I have all my banking and insurance through USAA and have never had a problem, but their Mortgage Services Dept. is a different story. James Stocker, our loan office, was terrible. His response to my every question was "just sign the papers and send them back, then we'll get everything straightened out". Um, no! I want it all straight BEFORE I sign anything!

My husband and I called several times asking to speak to a manager and didn't get anywhere. On my first call, Norma, the receptionist, told me she wouldn't connect me to anyone regarding the loan because my husband and I have different last names. WTF ?! Seriously? Needless to say, we've switched to a different mortgage company.

I've been given to understand that USAA is contracting their mortgage services out to a company in Arizona. If anyone at USAA headquarters reads this- you might want to get mortgages under control. You just lost a $1, 500, 000 deal.

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* USAA Federal Savings Bank
Review from Dennis P.
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Lakewood, CA

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4 star rating
11/18/2010

I currently bank with a great local credit union based here in Southern California, catering primarily to the educational community. I have read many online reviews of USAA Federal Savings Bank, most of them positive. When I learned that they now accept non-military people to sign up for their banking services, I decided to give them a try.

Prior to signing up for a checking account with USAA, membership with the umbrella organization needs to be established first. Once that process is complete, then you're permitted to sign up online for a checking and/or savings account.

What's so great about the USAA free checking account is that it is truly a FREE account, as in NO charges for features that many other financial institutions charge for. Among them are free checks for life (the basic ones), you can earn interest if your balance is above $1, 000, they reimburse other banks' ATM fees at the end of the month and you get prepaid, self-addressed envelopes to mail deposits. You also get rebates at the end of the statement period for using your debit card as a credit card where you have to sign the receipt, but not when you use your PIN number.

USAA FSB is considered to be an online bank as they have very few physical locations (so far, 3 in Texas, 1 in Colorado, 1 in Maryland and 1 near San Diego, CA). Being that I'm non-military, I'm not entitled to using all the other features of this particular checking account, such as the Deposit@Home and Deposit@Mobile, where you can scan checks using the proper application on the USAA website or app for the mobile phone. The checks are then deposited into the account from there as opposed to having to mail them, as I would have to.

For this reason, anyone planning to use USAA as a primary bank account should also have an account with a local brick-and-mortar bank or credit union where you can deposit cash, and from there make an online transfer of funds to USAA.

I've only had to deal with USAA's customer service reps over the phone one time, when I received the debit card and I needed to activate it. I dealt with a very pleasant man (didn't get his name) who asked me a few questions and then was able to get my card activated. Many others have also sung the praises of USAA's customer service.

For now, I still haven't decided whether I'll use my USAA account for my primary banking. I have used it here and there just to test it out and so far, so good.

If you are/ were in the military, definitely look into opening bank accounts with USAA. It might also be worthwhile to look into their insurance products, which I understand are competitive. Semper Fi!

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Review from William C.
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William C.

Seaford, DE

1 star rating
Update - 2/22/2011

After sending an e-mail demanding that they tell me something, anything about my status, I received a call from a 'supervisor' who barely spoke English. I sent an e-mail to mother USAA with the same request, got a note back that they would respond within 72 'business' hours. That's NINE work days. I thought it was a typo. It wasn't. So, then I got nasty. Got a note that my concerns were being elevated to a member of USAA's management team and that I would receive a courtesy call as soon as possible. That was 5 days ago. BTW, my credit check had expired so they had to run a new one. I'm unsure, but I think that harms my credit score.

We have been attempting to refinance our home for nearly FOUR months. We have been told at least eight times that our loan was ALMOST complete. Their appraisal of our home is laughably low (or at least it would be if it weren't costing us extra money...). We have sent back every requested document (and there have been many...) in under 24 hours. All of our high regard for USAA, built up over 25 years+ of membership, has been destroyed. If you're considering them for a mortgage refinance, run away. Run far away.

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USAA bank operation on gossip not documents

USAA Bank told me their records show my step daughter Kathleen Walker of Sultan Washington, telephoned the bank and told them I was divorced from her dad. My power of attorney was immediately cancelled, and I had no access to any account. My home and car insurance, and credit cards were cancelled. Our stocks sold. There was never any divorce. They told me to prove there was no divorce. I told them to prove there was. No reply. As a result of them working on gossip, about $400, 000 was stolen.

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Lisa Kronsnebel
Pittsburg, US
Nov 28, 2010 6:37 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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9:59 pm EDT
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USAA credit card services

Below is a letter I have sent to the president of usaa:

General robles:

I see the thriving organization you have become, I once was proud to be a 25-year member, now I cannot wait to get away from my association with you.

I did trust usaa and usaa federal savings bank betrayed that trust, twice now.
I refuse to retreat here and I am taking a stand, either with direct correspondence with you or via the media. I tried using the chain of command but that chain is broken; your subordinates appear to be unaccountable and or lacking in integrity. I thought we “took care of our own”. I guess that virtue went out the window as well.

The latest issue involves the usaa – gmac alliance. I hold usaa accountable as you are also a culpable as your allies in the military and business.
I went through a rough divorce in may 2008, many people do. I was taken advantage of by my ex wife, her children and her ex husband.in the past two years I have cleaned up 64000.00 of debt and bills. All the time I was fighting your people on a weekly basis. What I have to show is a broken credit report and a score that will take a decade to clean up. I recently was in the final interview stages for a position which would allow me to not to have to travel 100% of the time, get my health and finances in order plus try to finish my mba so I may enter my next career, teaching at a university and college level. That plan has been temporarily ruined as well due to the inconsistencies and half truths told by your employees.
The following are the two independent issues that have made me feel so glad to have you as the financial institution of choice.
The credit card company:
I went to all of my creditors and asked for renegotiations. The usaa credit card company and mortgage have been the most difficult ones to deal with. The surprising aspect of all of these issues is that I have done business with you folks twice as long as any of the other creditors.
In order to get any type of reduced payment plan from the credit card services I had to be in default with you regardless of my situation. At the time, I had to take a pay cut at work and was trying to make a mortgage payment that was 50% of my take home pay.
On or around may 6, 2009, I received a cell phone call from credit card services. I was working at a client site at 0954 est in the middle of a factory floor where the noise level is above 100 decibels. I could not answer so I let it go to voice mail. I had planned to call back I knew who it was and would return the call. Within ten minutes, I received a phone call from my ex wife (We had been divorced for over a year) and my ex wife’s attorney. Wondering why my credit card company was calling my ex wife and her parents!
You see, for the five months before that date, due to the state of the economy, I was told to take a pay cut. I was paying around 200.00 a month in payments and then my credit card rates tripled and you wanted around 800.00 a month. I did not have the funds.
Your credit card people were merciless and wanted me to go to counseling or bankruptcy, something someone in my line of work cannot do. I sent what I could every month. You continued to report me late and the late fees and interest rates accumulated.
To make this instance worse, the last charge on the account is a trip she took with her parents and her kids to costa rica after she threw me out of the house. She had forged my signature. We were still married and the account is in my name. I am responsible for the bill.
That aforementioned day, your credit card personnel, went into my personal usaa membership profile and took the phone numbers of those affiliated with me and after not being able to talk to me directly, called my ex wife and her parents. This is a huge violation of my privacy act; the request is not in connection with a law enforcement investigation. You had no warrant versus me.
Your representative proceeded to call them and tell them why they were looking for me. That is a direct violation of my privacy act rights under the 1974 federal law.
I complained to the federal savings bank and was give a few halfhearted apologies and we retained our personnel action plan statements, which I do not believe. I call that a band aid corrective action.in my line of work, which deals extensively with corrective and preventive actions, as well as information security standards, this is a major non-conformity.
You see I am the one left holding a bigger mess than just embarrassment. I was trying to make some consistent payments of my bills and while following the year old court order from my divorce to get my ex-wife off of my mortgage which is impossible until I get a clean credit bill from federal savings bank who has reported me late ever since and continues to do so.
Your people did little to help me or correct what you did, not even a letter telling me nuts. To say I am disappointed is an understatement.
Remember that developing a sense of responsibility in your subordinates I cannot see that was ever done in my case.

Usaa mortgage:
At the beginning of the 1st quarter of this year, I was trying to finalize a loan modification, usaa / gmac and I were not able to locate my ex wife who is living “off the grid” and is not to be found without a warrant. I was not able to complete the modification and since I was on trial forbearance for my loan payment I was required to make up the difference of 9152.00 in a matter of weeks. I was given until the end of february, which I took out a 401 k loan to do and made up the difference. I paid the difference on time to avoid any negative effects.
In january, I was reported clean to the major credit bureaus. As of last week, I now have 5 counts of 180 days past due on my mortgage. I was told when I entered the modification programs, hope for homeowners, I was not going to have to worry about being counted late on my mortgage to the credit bureaus. Your partners lied there as well. Now I have to hire an attorney to get this fixed. By the way, my job offer went up in smoke, thank you for ruining that.
General robles, my calls to any of your servicing center are fruitless and I just deal with clerks and customer service agents, powerless and unwilling to help.
I have repeatedly asked for some form of corrective action. I just keep getting passed around to people who seem to want to pass me around more.
I can tell right now that there is no one who is willing to take the responsibility for making a command decision. With due respect, I don’t see any one making that decision so I will make the decision for you.
To correct this action for both the mortgage company violating an implied contract and the credit card companies violation of my privacy. This would be an acceptable action plan;

1. Report the mistake from the mortgage and credit card issues to the credit bureaus. I do not think this is out of line for the amount of trouble I have been through.

2. Restore and repair the back issues of the credit card as you took advantage of me when I was vulnerable.

I would be more than willing to talk to you via teleconference or in person regarding this issue. I would also be willing to discuss this at a shareholders meaning as well, presenting the actual plight of many of your members who are struggling out in this down turned economy. Maybe you should concentrate on “taking care of our own” versus the bottom line.
Regards:

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USAA - possible fraud?

I had established a new bank account to use for my online buisness. So after some searching i decided to go with USAA bank's free checking account wich only required at the time of writting this a minimum $25 opening deposit so i set it up to take $35 from my other bank account to my new usaa account. A day later i got an email from USAA saying my account...

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USAA harassment

I'm in total agreeance with many you on here. I've been a loyal USAA member for 5 years now. I always have had good interactions with them up until the end of last year. My husband and I are going through some financial problems, no jobs due to the poor economy, and haven't always been able to make our payments on time. We keep them up-to-date, for the most part, and try not to let them fall behind longer than a month. Basically we're doing the best we can at the moment. Lately they've taken up harassing us with enormous amounts of phone calls if we're late/behind. I think the highest number we've gotten in one day, so far, has been 15 calls. ONE DAY! I don't hear from my best friend OR my parents and siblings that much in ONE WEEK COMBINED! I've answered the phone a few times, (now I just ignore them) told them that we didn't the money at that particular time, and asked if they'd please stop calling us so much. I asked them (nicely) because there have been many times they've called and woken our 1 year old daughter up from her nap. I always got the same answer, "We're sorry, but until your account is completely up-to-date there's nothing we can do. The phone calls are just gonna keep coming." I mean, they couldn't even just document that they'd talked to me and not to call again for that day at least. I mean, I realize that we're behind. God only knows how much I want all this debt to be completely gone. BUT, there has to be some kind of limit in how much they're allowed to harass a person/couple. It's gotten to be where I dread the phone ringing anymore. I'm at my whit's end! My husband and I have applied for a loan to consolidate our debt so we can pack up and leave USAA as far behind as possible. Has anybody else had this problem also?

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SKOR
Toronto, CA
May 15, 2012 7:27 am EDT
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You people do understand that you owe them money, and signed a contract, agreeing to their terms?

I would ask how understanding you would be if your employer was in financial hardship, and asked if you would continue working for them, without getting paid regularly.

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MSG edwards
fort jackson, US
May 15, 2012 7:10 am EDT

USAA markets military members and their families advertising they are committed to serving our military and veterans. I’ve been a USAA member for about 5 years and haven’t had any complaints until just recent. During a PCS move my wife became very ill and was unable to work for 7 months, which placed us in a financial hardship. I contacted USAA explained my situation and requested their assistance to temporarily lower my payments. My other creditors were more than supportive; one of them even suspended payments for me for one year. USAA would not agree to lower my payment, but only provided an excuse that they could not because they are under federal regulations.
I provided USAA with my cell phone and work number to call me and asked that they do not call my home, since my wife is very ill. I did fall behind on a few payments and USAA steadily called my home never once calling my other numbers provided. I have now transferred my accounts elsewhere, but I am so disappointed with the lack of respect and integrity this company has provided us. For those of you who have had no issues and are happy with the services render that is great and I wish you the best. I just wanted to provide my experience and our needs in a time of troubles to show USAA was not committed to helping us; they were only interested in collecting debt.

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USAASux
Dallas, US
Nov 14, 2010 4:11 pm EST

I was underemployed and behind on my credit card payments. These calls started and I actually decided to let my phone service lapse, because the only people that were calling my phone were the USAA collectors. I ended up picking up a paygo phone, because I couldn't even have a conversation on my old number without a collector calling in.

I don't miss a payment for 10 years, but get behind, even with communication and explination, and they start blowing up my phone. Like calling me 20 times a day will help me make more money to pay you. You almost cost me my job with your incessant ringing... Wouldn't that have been irony, your calling for money causes me to lose my ability to earn money to pay you...

I would love to see some class-action on USAA for their credit-hounding practices.

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Kev426
Rubicon, US
Aug 05, 2010 5:26 pm EDT

You are absolutely correct. We've been dealing with them for a couple of years now since things got tight. I just hang up on them over and over again. I called to demand that they stop calling and communicate by mail only. Most companies will honor that, but not USAA. I have several accounts with them and only one is behind. Either they think their customers have money and won't pay, or are too stupid to pay their bills. When they've been told why we're late, that holds them off for maybe 3 days and then they call back again. I would love to just dump my phone altogether. They are totally pathetic. Good luck if you fall behind. USAA is great when all is well, but totally unacceptable when things get rough.

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So Much for Loyalty
, US
May 27, 2010 6:12 pm EDT
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Totally! They are hounding me right now while I am temporarily disabled do to high risk pregnancy. I am bedridden basically only allowed trips to the doctor and bathroom until I deliver. I lost my job because of my condition and still they call.

They told also told me they'd keep calling until I paid. How cruel is that? They call early in the morning waking me from less than 3 hours of sleep to tell me..."We want to help you pay us"...

They are stressing me and my unborn child as well. I just want to pull my hair out. I feel so helpless right now. But you just wait till I get on my feet again. They need to be held accountable for their callous in difference to people and their very real world circumstances.

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USAA calculation of daily balances for cash advance

First I am a USAA customer and have been since 1986. I utilize their insurance, banking and even have a small IRA with them. They have been a great customer and I plan on continuing to use their services.

I do have a concern about how they calculate interest. For me it would have meant about 9 extra cents. But for others it is amounting to hundreds of dollars a month.

On February 23rd of 2010, a cash advance was made to my account, my fault, I had an automatic bill hit my account and I was over drawn until a normal paycheck hit the account the next day. USAA did an automatic $100 cash advance from my credit card. This was the ONLY interest balance on the account. I made a payment towards that advance within 1 hour after midnight on the 24th of February, 2010.

With the new law which, I believe went into effect on the 21st or 22nd of February, the $100 payment I made should have been applied to the $100 advance. When the statement ran on about the 4th of March, there was a daily balance subject to interest of about $19, which worked out to about 11 days of the $100.

I complained, said my interest should have been about 4 cents or so. The 1st level responder was very wrong. Said that the new law did not apply to cash advances. I was contacted by a male 2nd level responder. He kind of understood. I had included the math to back up my claim that they were charging interest incorrectly. He gave me the interest back and assured me that my $100 would be correctly applied to the balance. I asked him to make sure it was applied on the 24th of February, he said he would do that for me.

April statement arrived and of course there was an interest charge. The $100 was not applied to the balance as of 24 February.

I sent a detailed email again laying out the math and how I believe they, USAA, are incorrectly applying the interest. Angie, a representative, called me. She wanted to "talk" I asked her if she had read my emails regarding this. She had not read them. So I had to wait on the phone while she read the emails. It was nice that they called me, but what is the point if a customer has to explain to a 3rd person after writing to explain this.

She seemed to understand my logic and agreed that she thought they had calculated the interest incorrectly. She agreed to remove the interest and call me on the 4th of April.

So, today she called me. There was no interest on my account. But, Angie, said that USAA did caculate the interest correctly in February. She seemed to infer that the "proprietary calculations that are not shared with USAA customers" were correct. That she could not share them with me, but that the interest was calculated correctly.

I asked to talk with the next level. She said that she, Angie, was the highest level I could talk to. That USAA had done the calculations correctly.

I believe that USAA is incorrectly applying interest charges to cash advances. There are probably thousands of customers paying too much interest and USAA is not following the new banking laws.

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Lisa Kronsnebel
Pittsburg, US
Nov 14, 2010 5:23 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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USAA mishandled claim

USAA claim #5925869 Insurance company letterhead stated that contractor payment was to be sent directly to contractor for payment in full. Unauthorized bank tranfer of funds was made into claimants bank without knowledge. Contractor demanded payment for services. Claimant said contractor would be paid direct by USAA.
Contractor accessed late fees, penalties and interest and placed an alleged lein against home through third party collection agency. Contractor was paid in full for services in the amount of 2, 148.86 minus all late payments, check # 6357 dated 11/24/09. Check was cashed by contractor on, or about 12/11/09.
Payment for services was made by Richard Homer, claims adjuster for payment to contractor. However instead of making payment directly to contractor as letter stated and signed by both claimant and contractor date April 22, 2008. Payment was made into claimant account via wire transfer, and without written knowedge.
Claimant continues getting phone calls, mailings from contractors collection agency, demanding payment of an additional 800.00 dollars.
I am the son in law of claimant, who is 87 years of age and a heart patient in New Mexico. I am requesting that USAA proceed with a formal investigation as to the USAA claims adjuster mishandlings and the business practices of the contractor that came recommended by USAA. I have already filed a complaint with the BBB against the contractor. Please resolve this matter, we have been with USAA for as long as there have been military veterans. Thank you for your attention to this matter, you can reach me through e-mail.
Sincerely
Brian Holdgrafer

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Dwayne Hall
Albuquerque, US
Jun 14, 2011 7:18 am EDT
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Brian, as a Public Insurance Adjuster, we often deal with situations like this. The key is effective communication, and sometimes its difficult to make that happen. I will be happy to answer your questions as a licensed New Mexico Independent Adjuster. call me [protected] or go to my website: www.AdjusterNM.com

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USAA - home onwers insurance

Check your 2010 Home insurance policy. Last year USAA sent out a survey to be filled out concerning our homes. At first I thought nothing of it until I went to my account page and saw a $160.00 yearly increase in premiums as well as my house increased in one year $110, 000.00 in replacement cost. Also, contents doubled. All of this was done without...

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USAA scam

Whatever happened to the good USAA. I mean they used to be more then happy to take care of thier customers. It used to be that if for whatever reason there was within a reasonable amount if you didn't have funds they would cover it anyways. I guess thats part of the free overdraft. See when I see free overdraft I see a company saying they willt ake care of me. So now they LIE. They only have free overdraft if you have another account linked to the primary account. So how is that even FREE overdraft. Whats sad is that USAA used to be a great bank, now BOA beats them in thier overdraft protection. USAA seems to be after fees now. Then if you call them and tell them something is fraudulant on your account they tell you that well you have to call the company that sent the fraudulent charge through. So basically you have a bank now that Wants fees, won't investigate fraudulent activity, an blatantly lies to customers. Whats even worse is I spoke to someone who allegedly works in executive relations who told me "tuff we don't care". And that if someone charges something to my account even though there is money in another account we won't cover it, and if you tell us its fraud we won't investigate. So USAA has taken a complete nose dive when it comes to banking, and customer service.

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Elager
Mentor, US
Aug 05, 2013 12:51 pm EDT
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I am also disgusted with USAA. I purchased health supplemental insurance with them and just 3 months after it started, they raised their premium rates. So, I contacted their Customer Service to get a lower rate, and signed up for the lower rate. They told me the only difference between the higher and lower premium rate was I would have to pay a co-pay each time I saw a doctor and each time I went to emergency room. They did not explain that I would have to meet a high deductible before they would pay the bill. They are not a reputible company anymore!

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Lisa Kronsnebel
Pittsburg, US
Nov 14, 2010 5:21 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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USAA usaa insurance passes the buck...

A neighbor backed into my car causing nearly 2k worth of damage. Day of the incident we called in and USAA accepted responsiblilty for claim. The representative said that within 72 business hours an appraiser would be out to see the car and a check would be cut. (This was on a Friday. So sometime before Wednesday night was the expectation that was set.) Wednesday night came and I called in. I was told that the Appraiser has four days to come out and look at the car. "We usually send someone out within one or two days but they have four days." The Appraiser comes out on day four, Thursday, and gives me a written estimate. I call back into the customer care line to see when I can get the car into the shop because the Appraiser didn't cut a check. The representative said the data from the Appraiser would be submitted by Friday morning. Friday evening I call in to check the status on the claim. The representative says that the adjuster needs to review the data submitted by the Appraiser. I was told I would be contacted on Monday.
monday comes and goes. Fast forward to Friday, this is two weeks after the incident, I call back in and now the story is that USAA is not responsible for the claim. The driver of the other car had non-owners insurance (USAA) and USAA states that I have to go through the insurance that is on the vehicle that hit me. So here I am two weeks after my car was backed into ( I just got plates on the car last Thursday.) and am told that I am sol and have to contact the person who backed into my car to get the other insurance information. Problem is the person who was driving the car that hit mine is in Germany. I guess I will have to go through my insurance and pay a deductible and have higher rates. Thanks a lot USAA.

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USAA false advertising

USAA advertise for "millitary" family, but they don't want to insure people who travels to Iraq and Parkistan.
They wasted your time on lengthy paperworks, medical(even I just got a whole body checkup from my family doctor).After another 6 weeks, finally, they wanted your "travel information". Which millitary doesn't go to Iraq? Then they denied you at this last minute when "found out" that you will be travelling.
Company like this is false advertising, they want your money, ONLY. I suggest them remove that title "millitary" off their title, don't fool people!

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Lisa Kronsnebel
Pittsburg, US
Nov 14, 2010 5:23 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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USAA - rate increase

I have been insured by USAA Insurance for over 40 years with no accidents and no tickets of any kind. USAA just increased my vehicle insurance premium by 47% effective 1/1/2010. Their explanation is that they have decided to recalculate California premiums on the basis of their overall California loss experience – and not just on the drivers record or other...

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USAA mortgage problems

We have had nothing but trouble from the time we first took out our mortgage with USAA. They immediately transferred servicing to PHH. The first year our payment was the amount we signed on for. After the first year it shot up 300 dollars a month and it is a fixed VA Loan. We struggled to make the payments which is not what we signed on for either way we used everything in our savings and my husbands retirement to keep the loan current. They have continuously messed up our escrow account and cannot seem to get it right. After years of struggling to make the new higher payment amount we notified them we were expecting to not be able to make our payments in the coming months. We were told to submit a loss mitigation packet...Three months later we contact them and are told they will have a work out plan for us in three weeks. We contacted them again after receiving a letter saying "We cannot help you because your loan is not current(it was current) but then in the next sentence the letter says "The reason we cannot help you is that your loan is Current". The rep @ the company said they couldn't help anyone with a VA mortgage so I contacted a VA housing counselor who stated this was a flat out lie and that PHH receives a stipend for working out Va Loans. We have now missed our first payment and called and were told they couldn't help us till we submitted another packet and were 2 payments behind. The lady went on to say that there is nothing they can do anyways because it is a VA Loan and they cannot help us...I told her I knew this to be a lie and she got rude with me and hung up on me. Worse Company EVER!

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USAA terrible servicing

I mortgaged my current home with USAA in 2006 seeing how their customer service is outstanding. Little did I know that they would sell my loan off to US Bank. US Bank was one thing after the other in regards to mishaps. They screwed up my escrow account and applied payment to my loan that wasn't for me. I called to investigate how I could have gained a payment they insisted that this was correct. No, a customer called raising the the red flag himself did not constitute further investigation according to US Bank. This misapplied payment caught up with me almost a year later and thank God I kept this payment in savings thinking that they had royally screwed up and were about to bend me over because of it. When I decided to refinance this year USAA said I didn't qualify because of debt to income ratio. My wife is staying home with our daughter to raise her and just my income looks shady on paper I suppose. The ultimate result is to lower my payment which makes me less of a risk? Anyhow, blessing in disguise because my local bank that gave me my first mortgage was glad to take my business and KEEP my money rather than selling it off to one of the worst banks that I was forced to do business with, US Bank. BEWARE of US Bank.

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MN mortgage
Apple Valley, US
Feb 15, 2011 11:49 pm EST

US Bank knows nothing about service. When their employees do not wish to answer your question, they disconnect you.
Cannot wait to refinance my mortgage elsewhere.

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USAA rv loan

Recently I joined USAA, big mistake! I thought I would give them a try and refinance our motorhome with them. The rep took the application, submitted it and all was well, right? Well, 2 days later I had not heard anything so I called them. They indicated the underwriter needs additional information; w-2's, tax returns and paystubs. no problem, faxed them right over, still no response after 2 days. So I called again, they indicated they needed more documents so I sent this information to them as well.

After 6 days, 8 hours of faxing, telephone calls and speaking with over 10 different people, they decide to decline the application because of incorrect information in our application, which conflicted with our documents. My wife started a new job in Jan 2009, the rep who took the application submitted she worked their for 2 years, the underwriter caught this and declined the app.

I was extremely dissappointed in this as you could imagine! This error on their part should have been caught on day 1 not 6 days later and 8 hours of my time and effort...this is the worst business practice I have ever experienced in a fiancial institution and will certainly share with everyone I know! I asked for a copy of the application adn they denied my request, I also asked to be removed from the membership and they denied this as well...so what they are saying is once you join you cannot "un-join"? Needless to say, I re-financed the motor home with a more professional and and organized institution!

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Update by va marine
Dec 02, 2009 7:44 am EST

USAA is very unorganized!

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USAA mortgage - refi

To say that I have been disappointed by USAA in handling my refi would be a gross understatement. I have been with USAA for more than 20 years - and have always been impressed with their customer service. So much in fact, we have our checking/savings and car/home/life insurances with them.

But - because of their poor service, incorrect information, and general inepitude - we will be moving all of our accounts. If you are a USAA member and are in need of a mortgage - save yourself the grief - GO ElSE WHERE!

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colson5170
, US
Mar 01, 2023 2:42 pm EST

USAA is not what it use to be! I truly don't believe the CEO down to customer service does not care anymore.

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janis a rush
Tehachapi, US
Mar 22, 2011 6:56 pm EDT

I wish I would have read these complaints before I went with USAA for mortgage re-fi. It has been the worse experience I have ever had with any organization. I have been a member for 43 years and I am about to change all of my accounts and money over to another bank. I felt that I was being treated like a criminal and I was the one who caused the banking crisis. I have been billed for items that I had already paid for and asked for information that they refused to take my word for. Since this organization has gone public for everyone to join, the service and quality has gone to hell. They have expanded to the point where they cannot hire enought quality people to handle customers in a respectful manner. I am sorry I have recommended USAA to friends. It used to be a great organization.

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John Gordon Hudson
Celina, US
Dec 06, 2010 3:32 am EST
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Ditto I could not agree more

USAA Customer Reviews Overview

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

USAA In-depth Review

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

How to file a complaint about USAA?

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

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

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

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

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

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

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

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

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

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Contact USAA customer service

Phone numbers

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

Website

www.usaa.com

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