USAA

On July 3rd, 2009, I filed a complaint about USAA home owners insurance. I have not been on line to comment or to answer any questions that others have posted for me. To formerinsurancedjuster: I can only tell you of my experience. My home had been inspected by different insurance adjusters from USAA. The last adjustor after previous adjustors (who never told me) was the one who told me about the roof after there had been several storms and tornados over the years I lived there. To why the other adjustors did not tell me, is a question to them. However, when I talked to Teresa Raymond, Public Relations [protected], I'm not sure that's the same number for her), she was the one after the last adjustor and only adjustor, told me about the roof and she said that that information was internal documentation and that it "was privy" to USAA only and that they do not tell home owners how to maintain their home, they just tell them what they will and will not pay for. When she told me that the roof had been the source of the leaks and they had known that since the first adjustor came to our home over a year and a half ago when this started, it became quite apparent that what the other adjustors told me and what they filed with USAA was two different things. I was out raged. I asked her how can they not tell me what they found the first time around so repairs could have been made. However, they said nothing but to get over it and to move on with my life. None of the insurance adjustors as I recall gave me any paperwork, all information was verbal. As with the representatives, all instructions were verbal. There is a debate to rather the roof was as old as they claimed, I have had several different roofing companies at that time come to the house and they all said that the roof was not as old as USSA said it was (35 years old), and materials that was on my was not 35 years old and no roof would last that long. You see in Georgia, up until recently, roofers did not have to file for a permit with the city to repair your roof, and if it is not filed with the city then it appears that no work has ever been done according to their records. My home had been completely remolded and done by licensed contractors and approved by VA before we could even buy the home.
As to the origins of this horrific ordeal, I had said previously that we had had many bad storms and tornados in my area, which will cause damage and then some. They were never up front and wanted to save money at my family's expense. So, I am suing.
It is about the principle and because my spouse is still military, we have relocated. USAA attorney's scheduled a deposition for me in November 2010. After I spent money on tickets and was in Georgia, the USAA attorneys canceled. While there, because my immune system had been so affected by the mold, I caught a serious cold and became very ill after being in Georgia for only three days. My respiratory system started to shut down on me. I flew back home very ill and had to go to the hospital and was admitted immediately because I could not breathe. I am on two different inhalers, one with steroids, and have to take medications and precautions everyday due to the deterioration of my health. A simple cold will affect my breathing and left unattended my respitory problem becomes unreal. My breathing becomes shallow, my chest tightens up, I can't get enough air into my lungs, and I gasp for air to talk. My doctors just told me that my respitory problem is not under control and different actions have to be taken such as a nebulizer to expand my lungs when I'm not getting enough air. Going outside for six hours leaves me with a mild cold and then I have to stay in the house and nurse myself back to health. My husband when I'm sick stays up at nights to ensure I'm breathing, then he has to go to work and put in 15 or more hours at work as a SGM, and I know that he is tired and I worry about him. Who would have thought that mold can change your life and family's life forever. Each year I get older, the weaker my immune system becomes. My son who is young has had to be rushed to the hospital via ambulance for unknown origin of fever. So please provide me with some information to why they would not give me a report, why they would not inform me when they got the initial report in which they said was the roof, and why they kept telling me different things was the cause of why the house was flooding? We dumped a great deal of our own money chasing different adjustors’ ideas with what was wrong with the house. From air conditioning, to buying equipment they suggested, to plumbers, and replacing piping because it was thought it would help. So please give me some insight. Because I just don't understand why USAA did what they did or why? I did report them at the time to the insurance commissioner's office. However, they are pro insurance and the consumer's voice is never heard unless you scream at the top of your lungs, which I find very difficult to do due to shortness of breath. They never got back to me since I filed.

SO I SAY TO YOU ALL WHO HAVE DEALT WITH USAA OR DIFFERENT INSURANCE COMPANIES AND HAVE HAD SERIOUS SITUATIONS SUCH AS MINE DON'T END UP LIKE ME. FORCE THE ISSUE; GET IT IN WRITING, TAKE DOWN NAMES, PHONE NUMBERS, AND DATES AND TIMES CONVERSATIONS TAKE PLACE. THEY ARE LIKE ANY OTHER BUSINESS; THEIR PRESENCE HERE IS TO MAKE MONEY AND PROFIT, NO MATTER THE CONSEQUENCES. I'M NOT SAYING THAT ALL INSURANCE COMPANIES ARE BAD, BECAUSE EVERY COMPANY HAS THEIR COMPLAINTS. ALSO, HAD I NOT DOCUMENTED, GOT NAMES AND NUMBERS AND CONVERSATIONS DOWN, I WOULD NOT HAVE ANYTHING FOR MY ATTORNEYS TO FILE SUIT. BE CAREFUL; PROTECT YOUR FAMILY, YOUR HEALTH, AND YOUR ASSETS, ESPECIALLY YOUR CHILDREN; BECAUSE WE STILL DO NOT KNOW ALL THE LONG TERM SIDE AFFECTS THAT MY SON WILL CONTINUE TO EXPERIENCE THROUGHOUT HIS LIFE BECAUSE WE LIVED WITH MOLD INFESTING OUR HOME SO LONG. HE'S WHAT IS IMPORTANT, THE DAMAGE TO MY RESPITORY SYSTEM IS UNDESPUTED; MY CONCERN IS MY SON AND THE ACCOUNTABILITY THAT USAA HAS TO HIM IN THE FUTURE, HENCE THE LAWSUIT. I ALREADY KNOW MY HEALTH IS HORRIB LE AND POSSIBLE THAT LIFE SPAN HAS BEEN CUT SHORT AND THERE IS NOTHING THAT I CAN DO ABOUT IT, I'VE ACCEPTED IT AND NOW HAVE TO ENSURE MY SON IS TAKEN CARE OF. JUST LIKE THAT, USAA CHANGED MY LIFE BECAUSE THEY DIDN'T WANT TO PAY A CLAIM AND BE HONEST. HAD I NOT BEEN SO TRUSTING AND BELIEVED THAT USAA HAD ME AND MY FAMILY'S BE INTEREST AT HEART, AND FOLLOWED ALL THEIR INSTRUCTIONS EACH TIME WITHOUT QUESTIONS, I WOULD BE HEALTHY, NO EMERGENCY ROOM VISITS, CONSULTATIONS WITH DOCTORS OVER MY BREATHING PROBLEMS AND MY SON WOULDN'T HAVE SIDE EFFECTS. LET ME BE THE CAUTIONARY TALE TO QUESTION, ALWAYS QUESTIONS!

I SEE MY ATTORNEYS IN TWO WEEKS, AND I'M NOT LOOKING FORWARDS TO FLYING, OR EXPOSING MYSELF TO A DIFFENT CLIMATE CHANGE THAT CAN MAKE ME ILL, IT'S A RISK TO MY HEALTH, BUT IF I DON'T GO AND FACE USAA, THEY WIN AND THEY HAVE NO ACCOUNTABILITY AND THEY GET TO DO THIS AGAIN AND AGAIN. SO, I'M GOING TO RISK MY HEALTH AND PRAY I DON'T HAVE SEVERE RESPITORY PROBLEMS WHILE AWAY OR UP IN THE AIR ON A PLANE WHERE I CAN’T GET ANY HELP. BUT WHILE I'M THERE, IF ANYONE WANTS ME TO GIVE THEIR NAME AND INFORMATION TO MY ATTORNEYS AND IF A CLASS ACTION LAWSUIT IS POSSIBLE, I WILL GIVE THEM TTHE INFORMATION AND IF THEY HAVE ENOUGH PEOPLE, THEY MAY CONSIDER DOING IT, I DON'T KNOW, BUT ANYTHING IS POSSIBLE. I CAN'T GUARENTEE IT, BUT NONE OF US HAVE ANYTHING TO LOSE. THERE IS MORE STRENGTH IN NUMBERS THAN STANDING ALONE. YOU MAY CONTACT ME AT [protected]@aol.com. reference USAA Class Action, Name, Phone Number or email, Situation, and I will pass it on to them to see if they want it or if they can do it. Signing off AND GOOD LUCK EVERYONE, AND AGAIN, BE CAREFUL. THERE ARE PREDITORS OUT THERE. KIM.

I have contacted USAA about a $1, 000.00 deductible that they are claiming I owe. I paid it, I have file several disputes, and they still won’t give me my money back. The USAA representative lie to me, they missed inform me and they are holding me liable for lies their own employees told me.

Another agent opened two claims for me, when it should have been only one, also, he said I was only going to be charge for one claim after he opened two, he said it was going to be only $500.00 that was a lie too. Now they are charging me $1, 000.00. I have talked to many supervisors and managers and they all escalate my case. Which are lies too, because they don’t even review my case, they just assume. They don’t care about the misrepresentation and the lies their employees told me, they just want me to pay for their mistakes.

I asked them to review the conversations I have had with their emplo9yees, but guess what? Now they tell me that those conversations were never recorded ((conveniently for them). I am sick of their lies. I am not responsible for $1, 000.00 deductible, my deductible should be $50.00.

I have been with USAA for 30 years, but in the past two years they have really changed. They used to be great, but now they use many of the same banking tricks that the big banks were using to gouge people. USAA has held a deposit for 2 weeks when the deposit came from their own USAA account, just in the hope that a big check would bounce and they could rack up the bounced check charges. They also freezed my credit on a credit card even though it had been already paid with a transfer from another USAA account, leaving me stranded in Boston with no funds. I don't trust them anymore and I am moving my money, insurance and other accounts and will not do business with them again. They are posting big profits lately, so they won't care if people leave. I am fed up with this company.

As a realtor for over a decade I have never worked with such an incompetent bank as usaa. They don't meet closing dates, yet never return your call or even an email to let you know that.
They gave away priveledged information to an unauthorized party that called to inquire about the loan that didn't close.
And why they think it's okay to act as the members attorney and give bad legal advice from several states away is beyond me.
At this point, my buyer faces legal ramifications from the other party in the contract and that could costs him tens of thousands of dollars.
After leaving 11 msgs this week, not one of my calls was returned. They are not even returning the calls of their own member!
You want to save money? Don't use usaa their incompetence could end up costing you!

Usaa cancelled my car insurance because I did not get a carco inspection which is only for used vehicles. I bought my car brand new and the usaa agent assumed my car was used 3 months later. I made a claim on my insurance about damages to learn that it would'nt be covered because they cancelled it! I learned about the cancellation 3 weeks after my insurance was terminated. It is their fault for assuming my car was new. Now I cannot get my car repaired because usaa messed up! Shame on you usaa, i've trusted you for years and no longer will I do so.

I decided to go online to get a auto insurance quote, as I went to the website usaa.com/insurance I was asked to provide personal information date of birth, social security number, cell number, home address. I have never given my social security number out online; eventhough, I felt hesistant, I decided to do so to get my quote. As I am continuing with the process, I can only go so far in the website, and I get stopped by the website to contact a person, because the website can not process my auto insurance quote. As I call the 800 number, the person at the other end tells me that I have to create an account at usaa.com in order to see my quote. I create my account successfully and then I start to answer the following questions regarding how to get a free auto insurance quote. As I am answering the questions, I am married and USAA wants to know my wife's information, date of birth and personal information. I then called USAA and told them that I do not wish to add my wife's personal information, they told me that I can not get a quote without adding her. I was very DISSATISFIED with my customer service experiance. I do not feel comfortable giving out my social security number or my wifes personal information. I believe that insurance companies can still do bussiness without the use of social security numbers and creating unnecesary accounts to people that just want to know purposeful information. I feel ripped off by USAA because I don't want them to jeopardize my social security number and I feel by providing my telephone number to USAA I am going to get solicitation calls that I don't want. I feel thatUSAA should be investigated. Identity theft is on the rise, I don't want to become a victim.

My wife and I are going thru a divorce and I get to keep the home in GA.I called USAA and asked were to sent the payment.They gave me the loan number and city and PO box to sent it to.They gave me the wrong po box.15 days later a call comes from USAA asking for payment.I told them i had sent it thru my bank and they had it.They told me they did not have it.We called my bank and they told USAA it was sent and would send proof of payment.I called back to USAA to make sure everything was ok but now they could not find proof of payment so my bank sent another one.I called back again just to follow up and they could not find it again.So here we go again my bank sent another.I call back on the first of April to see what is going on and get told they could not find it but know it was sent because there was a note that said it was.I tell the guy"Look i was told by USAA not to make another untill this gets cleared up" I told him my next motgage payment is due now and would like to pay it and last months and when you find the lost money just add it to next payment>that will give you a month to find it.Later that day about 6 or 7 PM i get a call from USAA asking for payment.I asked the guy.WHY are you calling me?I made my payment 2 time its not my falt you people lost it.He tells me OHh.I see you did a payment by phone.Well I am calling about April payment.NOW I AM HOT.I said what?He tells me I am calling to see when you are going to make April payment.I told him .This is the 1st of April and i have untill the 15th to get it in and want to know why he is calling me about it on the first.(I know why they think they are not going to get their money) and I told him that.I also told him I was very unhappy with USAA and if his dumb BUTT would have red the notes he would not be calling me because I made 2 payments .One to cover the one they lost and the one for this month and they USAA still have one mortgage payment that is due me.I told him i was payed up to date and he said yes I was.POINT of story.USAA is just another big bank.Their clame to stand behind the people that served and serve in the armed forces is all crap.Well that may not be true.They stand behind them so far all they see is money they lose sight of the people THEY say they support.Joseph M.Acosta

I was rear-ended by a usaa policy holder - in the 3 days since, my ins co has had an adjuster come to my house, provide an appraisal, and a list of shops nearby that I could consider using for repairs - I have made several calls to usaa - once they are able to get in touch with their policyholder, and determine fault - they will let me know about an appraisal and repair. my issues are - their policy holder hit me and is at fault - I had to sit ion the side of the road with my crying grandson for 3 hours waiting for an accident report to be filed - now I have the choice of paying my deductible and having the repair done - or driving around with a big hole in my new car until usaa can speak with their policyholder and determine fault. I even offered to fax a copy of the accident report which reflects the other driver was at fault and cited for following too close.

USAA dropped my insurance today as a result of a single vehicle accident with no injuries. I called to complain about the customer service I received and received a return call later stating I was dropped. I have been with them almost 20 years. Thanks for nothing USAA. On the bright side, I received lower rates from another company when i checked around. They are great and don't complain about collecting your money, just about taking care of you when you actually need them. Former member 5288965.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I am trying to move away from them, somehow.

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

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

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

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

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

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

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

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

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

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

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

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

Thank you USAA

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

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