San Antonio, Texas
United States - 78288
I have been a USAA full service customer for over 20 years. 20 years of great service, but this last...
Usaa federal savings bank, customer service has left the building.
Funds on hold.
I have a great credit score, I have never had an nsf and have never miss a payment on my insurance or credit cards, I consider myself a great customer of usaa. Now for some reason they are placing funds on hold to every check I deposit. I have been in contact with customer service and they will not give me a straight answer or the reason this is happening nor will they release funds on hold. I work hard for my money and I do not want to wait another 5 days to have access to it. I have had to run up credit cards and use money in savings because of this situation. I feel as if it is a slap in the face from a good friend as I have always been a great and loyal customer. I will never recommend this bank to anyone ever again and I am in the process of cutting all ties with this bank. Do not do business with usaa if you are looking for a bank.
I am unable to make payments or check my loan balances online because USAA is refusing to grant access through their technical support group. After completing Ch 7 filing and reaffirming two car loans (combined balances are less than $13k) USAA canceled the security codes that are required to access the "make payment" part of their site. I have repeated tried the "work around" that the technical support group suggests, to no avail. As a result, I have no way to know due dates, loan balances, dates amounts were applied to my accounts and the breakdown of principal/interest. They also refuse to send amortization schedules and invoices for payments due. Having been a loyal USAA member since 1983 I am livid. I spoke with "Rachel" and "Jason" this morning at USAA in a last-ditch attempt to get this resolved. All I want to do is pay the bills for the car loans.
Usaa: poor customer service, just another big bank.
I was a member of usaa for 7 years. I had a car loan, credit card, and checking account with them. I also had all my bills set on auto-payment through my usaa accounts.in june I lost my job. I immediately called usaa to notify them of my situation and loss of income in an effort to head off any financial problems. They deferred my car loan for 2 months, and were not really interested in my job loss.
Over the next 3 months, my accounts became past due and usaa began to call me and harass me wanting their money. Telling me “you took the money, so now you have to pay it!!” I repeatedly called and tried to negotiate and work out an arrangement. Usaa wasn’t interested. They did not care that I had no income, they just wanted their money.
I finally found work, but my income was 25% of what it once was. Again, I contacted usaa and tried to work out a payment plan or to refinance my debts at a lower payment. And again they were not interested. Instead they transferred me around the corporation and twice to collection departments that said “you owe us, give us our money” at this point I was not even 60 days past due!!!
It seems to me that usaa would rather use their collections agents, repo a vehicle, destroy my credit, and receive zero dollars than refinance an existing loan that would make them more money!!! Their collections people were not interested in helping at all. They yelled at me, tried to intimidate me, and were rather impolite. Usaa was very unprofessional and has proven to be just another big bank. They could care less about its investors, members, and their financial situations. Not only would I caution everyone I meet to avoid them at all costs, but should I go back on active duty, I vow that no usaa representative will ever set foot on my post nor speak with my troops. Soldiers, servants of our great nation, their families, and people deserve better than usaa!!!
Former usaa member
My husband and I were very excited to be purchasing our very first home. Ofcourse since we bank with usaa we decided to get a home loan through them as well. With some minor adjustments to our credit we were aprroved. Little did we know what a nightmare we were getting into to usaa morgage dept. We were assgined the absolute worst loan processer that could work for usaa. We started this whole process july of 2010 needless to say it is the being of october and we still have not been able to close on our home. All this could have been avoided if only our loan processer have taken the time out to actually work on our loan instead she was out of the office weeks at a time. And never called us back when her voice mail clearly says "I give callback within 24 hours".. Such a lie. We are disgusted with the service that we have recieved from usaa. It has taken everything breath of us to try and close on this house if its not one thing its another with usaa. I just now got off the phone with usaa and because it is the begining of the month usaa has to go back and review all of our paperwork and update everything once again. So our new estaimated closing date is oct. 16th. Finally we have had enough with usaa. We just canceled our loan with them completly. If you are smart you will not get a home loan with usaa. They will give you the run around in everyway possible...
Spetember 22, 2010
Not srue this is a complaint so much as just passing on some information. I was not scammed by USAA, however ...
As a reservist, I was refered to this company by word of mouth. I was told they have great rates, customer service, etc.
At first, I submitted for an auto insurance quote. I have three vehicles, three drivers. USAA came back with a quote of almost $4, 000 per year. I currently pay $2, 000 per year. Then I submitted a quote for homeowners insurance - USAA was $300 per year higher. If Shelter Insurance is in your area, I suggest you check them out.
Then, I submitted a quote to refinance my home. Even though they used a quote with a percentage rate 1.5 percent less than my current, the monthly payment was $300 a month more than my current. And the total loan value was more than my original 4 years ago.
If this is what USAA members call value, I think they should shop around.
If it sounds to good to be true ...
I wrote this email below to USAA ([protected]@usaa.com) and never got any reply at all! If you're considering signing up with USAA, try sending this email below and see if you get any response. That will give you an idea of their customer service. By the way, the email address is valid. Here is the proof: http://twitter.com/USAA
I signed up for USAA banking account (savings and checking) on June
9th 2010, and I paid the $50. It has been 3 months now and I am still
not allowed to use my account. I was told there is "investigation" on
I do not mind at all if there is an investigation, but three months is
unreasonably long. At least let me know how the "investigation" is
progressing. What result are they waiting for? What step is slowing
Or, refund my money. Isn't my request perfectly reasonable?
I wrote this email below to USAA ([protected]@usaa.com) and never got any reply at all! If you're...
Some car hit my car while going 40 mph on a local road. The police report clearly identified the other driver at fault and I gave my verbal statement to USAA which they recorded. They told me they will need a similar statement from their insured (the guy who hit my car) - before authorizing the autoshop for repairs. They instruct me to get an estimate from the shop and i do that as well. I have called USAA several times to see if they have been in touch and its been over 10 days. They keep saying that they have not been able to get in touch with their insured hence my car can't be repaired. This is the worst policy I have ever heard of - USAA is the worst insurance company ever - Why is the police report not enough for them to authorize the claim? My car is still not drivable and they won't give me a rental. DO NOT GET USAA THEY DO NOT CARE ABOUT CUSTOMERS - ALL THEY WANT IS YOUR MONEY. Greedy SOBs.
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.
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.
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.
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.
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.
USAA Bank told me their records show my step daughter Kathleen Walker of Sultan Washington, telephoned the...
Below is a letter I have sent to the president of usaa: General robles: I see the thriving organization...
I had established a new bank account to use for my online buisness. So after some searching i decided to go...
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??
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.
USAA claim #5925869 Insurance company letterhead stated that contractor payment was to be sent directly to...