San Antonio, Texas
United States - 78288
April 1999 we got a car loan thru USAA. The payment were directly deducted from our USAA checking account every month by USAA. June 2002 we opened a checking account with a local bank and USAA started deducting the loan payemnts from that account - No problem!!! then in September 2002 Chapter 13 bankruptcy was filed and USAA was notified. The car loan was current and USAA continued to deduct the payment from our checking account. In December 2002 USAA reported the loan as 3 months past due!!! Needless to say, we proved to the court that the loan was current.
The loan was paid off in April 2004. USAA has been reporting this loan as a charged off bad debt since May 2003 ansd as 3 month past due. USAA refuses to correct this on the credit report and it will stay on there till May 2013. We are now reopening the Chapter 13 only to get this corrected.
June 30, 2009
To all concerned,
Usaa insurance company is basically a military endorsed company who enjoys profits to the tune of 40 to 50 million dollars. Usaa insurance company takes monthly and quarterly premiums, have no serious oversight to regulate them, put families in financial ruins, conduct business strictly on bad faith, withhold pertinent information from homeowners, place families at risk by exposing them to toxic black mold for a year and a half all to save money.
They have been amoral, allowed personal feelings to overrule professionalism, interfered with the safety of my family by disclosing personal information to companies and telling the companies not to come to my home to repair or conduct certain actions because they will not pay. They have exclusions in their policies that allow them to take money from consumers and pay the least amount of money and use the term mitigate to absolve themselves of any responsibility.
My complaint is that usaa had knowledge for a year and a half that my roof and atrium leaked when my home was hit by a tornado in early 2008. They with held this report and told me it was internal documentation not privy to the homeowner. As a result, usaa made a conscious decision to withhold this information for a year in a half. This decision caused me and my son great illnesses. Mushrooms were growing out of our wall from behind the wall paper which is what alerted us to the toxic black mold (In february 2009). We were hit by tornados and bad weather for three consecutive weeks and water damage consumed my entire home in february and march 2009).
However, for a year and a half that we lived in our home, we were breathing 15 toxic molds (Which is now at a rate of 356, 973 count/m3 for 15 different molds) in my home and I have been told to vacate. I have had severe medical problems as a result. I want to know who is going to hold usaa accountable for their actions. I had a right to know. I should have been afforded the opportunity to have access to that report, since I didn’t, my home has got to be gutted or condemned. My money went into repairs; I will have three households to support, the mortgage, my spouse apartment in augusta and a place for me to live.
Now I find that amongst the other medical problems, I have an ovarian cyst. I have loss my hair; broke out in rashes, extreme fatigue, vomiting, red eyes, passing out inside my home, and swollen feet, medications have stop working, and etc. My pet has been hurt because by the time I finished following all of usaa’s representatives instructions, I have been living on exposed concrete floors and in substandard conditions by following usaa representative instructions. They are not omnipotent and do not have the right to play god with people’s lives. I get to pay them thousands of dollars for a non-functioning insurance policy.
Who gives them the right to decide that just because they want high quarterly earnings and profit, that they can just with hold reports that endangers my family’ life for a buck. Because as ms. Lindsay dillon, adjustor for usaa, [protected] ext. 44738) says, if we pay every claim, we would not have any money. I don’t want to hear, the contract is not flawed and is in their favor and I just need to move on with my life as teresa raymond, public relations has told me [protected]) and mike cox, director of claims [protected]) has told me.
I was purposely due to bad faith left in this house so they would not have to repair a roof (wear or tear or marring, this house was remolded when I used my veteran’s certificate to buy it and it is not the original as they claim of 35 years) or atrium. If I had the appropriate information, I would have repaired it myself. Who will tell them that withholding information is wrong? Just because they think they can does not make it right. Their behavior have been at a minimum certainly amoral with bad faith with clauses strategically placed in sub-sections of a contract and they get millions of dollars to cover our homes and autos in which if condemned the fannie mae has to cover the substantial loss. They took away my right to repair my home, by giving me erroneous information, intentionally misguiding me, thwarted efforts of repairs, and I trusted them.
A. The first flood happened in early 2008 of last year. Adjusters for the insurance company usaa could not find the source of the problem and provided me with faulty information therefore not leading to the proper repairs that could have been taken by my family.
B. The adjuster stated the home flooded from torrential rains that came from the street and seeped underground and up through the concrete slab therefore flooding the home. The home has an atrium and the adjustor did not inform me that the atrium was or could be a problem. For approximately two inches around the atrium on three of its sides were dry and the water had completely flooded the foyer which is located in the front of the home. The damage was in the middle of the carpeted floors. The adjuster checked the roof and did not inform me that the roof could be another source of the flooding of the home or any wear or tear of the roof. There were water spots on the wall and that is what the insurance company paid for (Wet spots on the wall). No report was ever forwarded to me. He also did not tell where the water could be coming from. Information I received was stated verbally over the phone during several conversations with usaa representatives. There was no crack in the foundation of our home when it was checked at that time.
C. Equipment was bought to dry vac to clean up the water and the areas on the walls repaired.
D. During the february 28, 2009 flood, our house was flooded on three different occasions for three consecutive weeks. On the first occasion of 2009, a new adjustor came out and reported to me that the roof on the home was the original roof and that the insurance would not pay for the repair of the original roof. The adjustor stated the roof was 35 years old. First the house was remolded when we moved in and there are parts on my roof that were not available 35 years ago.
E. Unlike the adjustor who stated the roof were unstable, erosion had been occurring before we moved into the home. I take issue with that because my home was inspected by the va because I used my va certificate to buy this home. Also, what did he aspect after several tornados in 2008 and 2009. The last time I checked, tornados and severe weather storms does damage. The adjustor also stated the carpet had water damage and the insurance company would only pay for the cleaning of the carpet. The outside fence was damaged and usaa depreciated the cost of the fence and would repair that. However, the adjustor did not put the carpet on the report and I called lindsay dillon, of usaa and reported after conversations that the carpet was also damaged. Miss dillon stated she would send the adjustor back out.
2. During the second week, we were flood before the same adjustor came back out. Before the initial flooding, our yard men cleaned off the roof and gutters to include the atrium. Also during this storm, it began to rain inside of the house. The furniture was damaged and the floor soaked.
A. The usaa representative stated to me when I immediately had the problem and called into usaa, to pull all the padding up from under the floor that was wet throughout the home and leave the padding outside of the home to show the adjustor.
B. I complied although I have not been working due to the fact that I am waiting to have three surgeries at one time. (My spouse is stationed and lives in augusta georgia therefore incurring expenses for two households). On the second visit from the adjustor, he found leaves in the gutter of the atrium and on the roof which occurred from the second storm.
C. More damaged from the second storm, the nails that were in the gutters of the atrium were ripped from the wooden foundation that kept the gutters intact. The rain came too fast for the atrium to drain all the water incurred that came from the rains into the house via the atrium and roof.
D. Again, I complied with all instructions, cleaned as much water as possible over the week end and awaited appointments for companies to be scheduled to come to look at the home for repairs that usaa stated they would not pay for. Also, during the waiting period, usaa representatives told me I should have went on the roof and place plastic over the roof during the rain and tact back up the gutters during the storm. I could not do those task due to the dangerous conditions because of the bad rain and had no knowledge of how or what to look for on the roof, nor had the ability handle the gutters alone.
E. During the third week, the house was flooded again and damaged the complete house with the exception of the three back bedrooms. Professionals’ final showed up, some came and others did not make their appointment. Usaa initially called service pro the third time and first gave permission to tarp the house and then pulled permission to tarp the house by a supervisor named marta, because we had disagreed on who would pay for the tarp. The house was finally tarped in the area where there was no damaged; the three back bedrooms. I complained and was told to tarp the rest of the house with plastic from home depot and that I was responsible for all the damage and if usaa paid every claim they would not have any money, per lindsay dillon.
F. I was also told to pull up the carpet and move all the furniture, if I did not comply, I would be responsible and liable to pay for my own belongings, in which usaa didn’t pay anyways, however, following their instructions has left me worst off.
G. There is no carpeting throughout the house except in the back of the home and part of the front where mold is highly concentrated along with the master bedroom (Where I sleep each night) and there is furniture and other items which were damaged such as televisions, wooden tables, and entertainment center.
3. Usaa will only repair the fence. The atrium gutters and wood have to be repaired and the boarders around the windows of the atrium. Every day I find something new wrong cited by the contractors from the tornados.
1. It is mandatory as homeowners to have insurance. Our choice after being lied to and manipulated by our previous insurance company, we decided to go with the military endorsed company usaa.in short, usaa withheld documentation from the first water damage that we had in early, 2008. Teresa raymond, usaa public relations informed me that usaa had knowledge during the first incident that we had a leaky roof; the atrium was a problem, and a crack in the foundation of the home. Usaa’s policy is not to be released to the homeowners because it is not their responsibility to tell homeowners how to maintain their homes. This information was with held and I was told that the water leaks on the ceiling were from air condensation from the air conditioner in 2008. We looked for a crack in the foundation and could not find it. The adjustor sent to our home said it was a crack in the foundation and mentioned nothing about the roof or atrium.
2. I have been fighting with usaa since february 2009. They did not disclose the 2008 report which would have allowed me the opportunity to fix the roof, the atrium, and possible find the crack in the floor because we were not able to find it at that time, because it was none. That is an act of bad faith and a violation of the right to know law and negligence among other violations committed by usaa.
3. As the alleged number one insurance company in the u. S., it was predictable for them and foreseeable that a leaky roof and atrium would produce mold in the walls and throughout the house. However, for a year in a half, usaa made a conscious decision not to disclose this information so they would not have to repair a roof. As each tornado and bad storm came, I would call into their office terrified and horrified that my roof would collapse on me and my family, crying on the phone for them to help us. As usual, they ignored my pleas for help. Furthermore, because they did not release information that they knew could affect our health, my family has lived in a house full of black toxic mold which has affected me and my son medically.
4. Medically : my medications have stopped working since I have been in this home, which is why I believe I have to have surgery from living continuous black toxic mold. I have no place to go. The mold is so toxic, I have had to move stay at hotels to give my body a break from the mold and excessive vomiting.
A. Symptomlogy: medication is no longer effective. Uncontrollable coughing and choking, and frequent headaches. I have had respiratory problems, bronchitis twice, fevers, and treated for pneumonia. My hair has fallen out up to two inches, unexplainable rashes, extreme fatigue and passing out while in the home. Swollen feet, red eyes, vomiting, memory problems. I found out within the last two months that I now have an ovarian cyst and my thyroid is four times its normal level. Currently, more tests have now has to be run.
5. How is it that I pay them thousands of dollars a year to protect my home and yet they get to avoid over $60, 000 of work, because they didn’t want to pay $11, 000 dollars during the first tornado in 2008, all they had to do is tell me what the problem was and send me a report. Not only did they with hold this information purposely, willingly, and with malice, but thwarted efforts for me to repair my home by disclosing personal information they had no right to disclose to companies, financially they had cost us more than we ever thought it would cost.
6. Furthermore, my son and I have been breathing this putrid air for over a year and a half. Medically, I have to have surgery and have been turned downed by three surgeons to include military surgeons because no one can figure out what is wrong me. The other two surgeries cannot happen until they know what the third problem is. The only reason why I believe I have to have to first two surgeries is because my medication has been become ineffective. Even if I did have surgery, there is nowhere for me to recoup. The only thing that is not affected by mold is the attic. All the walls are wet and have to be gutted from the floor to the ceiling, treated for mold. Usaa is an amoral, greedy, and doesn’t deserve to be in business. What kind of company does this to people? Usaa! I want them to live up to their agreement, repair my home, replace my belongings, and be dealt with by governing agencies.
1. Usaa investigated
2. Usaa financially sanctioned
3. Usaa prohibited from doing business in georgia
4. Usaa responsible and to pay all of my medical bills
5. Usaa be placed under an oversight committee
6. My home repaired
7. Hotel stays
8. Pay for third rental property while my home is repaired
9. Vet bills
Respectfully submitted again,
I bought my home in 2004 and paid $700.00 for a year of home insurance. 2005 paid $800.00. 2006 paid $850.00...
Have been a good customer for 8yrs, my car was taken out by someone, not my fault. It didn't look that...
We became USAA customers in 1998 and after a short while had our auto insurance, banking and renter's insurance with them. In the 7+ years we had the renter's policy we made 4 small claims totaling less than $2500 (wind damage on 2 occasions, for the 3rd our cat trashed the wallpaper in a hallway, #4 our dog scratched the mailman).
Shortly after the last claim (totaling about $150) we received a letter from one of USAA's underwriters stating our policy was being canceled due to 'frequency of claims'. We protested and even had the support of the company's own consumer advocate in San Antonio. Even she couldn't convince these greedy souls to reinstate our policy even though they still made money off of us in spite of the claims.
Later, after we received yet another letter stating that our efforts were in vain, we received a call from a USAA underwriter in Frankfurt, Germany (our coverage area- we're with the DoD), saying he felt that our claims frequency was not unusual especially considering the small amounts of each claim. He said he would state our case for us to his superiors. He too was shot down by USAA's senior leadership. I filed a complaint with the BBB, but guess what? USAA is a big supporter of the BBB! Nada. I even asked that our complaint be shown to the CEO of the company. Apparently this happened, but we heard nothing else from them.
Our policy was paid through Feb '09 and USAA cut it off as of April 1st '08(April fool's USAA customers!). We were finally forced to get a policy with Geico (who doesn't use your claims frequency against you). We have 2 checking accounts, a savings account and 2 credit cards with USAA AND have 4 cars insured with them. Do they look at the whole customer concept? Apparently not. It finally took on a Bailey Savings and Loan Vs. Mr Potter feel after a while. Goodbye Bedford Falls, hello Potterville!
This is one of the worst banks I have ever dealt with. I have accounts linked to my accounts at usaa. I went to make a normal transfer and they froze my accounts. I have no access to my acounts and this is the account that has all of my direct deposits going in. I've called numerous times and the only answer they give me is until further notice my accounts are frozen. This is so ridiculous. They froze my account and will not do anything about it or tell me anything. I'm under investigation for moving my own money around! Ridiculous! Do not bank with them!
My husband was deployed in 2008 and I was left here to attend to our 2 kids and the finances. Shortly after he left I became ill, was hospitalized, and unable to work. To make a long story short, I wasn't able to pay my USAA credit card bill on time and this went on for a while. My mother came to live with us and she let them know what was going on but their collections agents just woulndt stop. Finally my father (a lawyer) wrote them a letter to get them to stop.
When I got better and financially on my feet I called USAA to pay the credit card bill. During my down time a lot of fees had been racked up and I asked them, since there was nothing I could do, if they would waive them. They said sure we will do that and let you settle the amount due. I paid what they asked and thought everything would go back to normal.
After I paid they still sent me letters and called all the time. I would explain that I thought all this is over and then they would say, "Oh yeah you're right sorry. We'll fix this in the computer" and then it would happen all over again. Finally I got them to stop with another letter from dad.
Well now they are still taking this out on me. They won't let me do any online banking and they demand I pay the fees. Every time I call FOR ANYTHING I have to go through this whole thing with the customer service rep. Why did they tell me I didn't have to pay them in the first place then? To make things worse they are doing something to my credit report every month and trying to ruin my credit over this. Things are already BAD ENOUGH. My father said that I should have talked to him and demanded that we get an agreement in writing because they will be dishonest if you don't. But I never thought they would treat service members' families like this. We are supposed to be the people they are here for. I guess they are more concerned about making money than the military and their families.
I have been a member of USAA for over 10 years and until now I haven't had many problems with them. Recently, because of medical bills, credit card debt, and helping other people when I shouldn't have, etc. I had to file bankruptcy. I said I had, because after all the consumer counseling, etc. People weren't paying me back and I no longer could live on such an amount that was set after counseling.
I had car insurance, checking, savings, life insurance, renters insurance, car insurance, my car loan, a credit card, and an IRA with USAA. Like I said, until now I had absolutely no problem using their services.
Two months after I filed bankruptcy, the trouble began. First the car loan went and the credit card followed closely behind it. Then access to my checking account and savings account was denied. I am so confused at the moment, because I REAFFIRMED all of USAA debts. I was fine with my car payment, my credit card payments, and my insurance payments. It wasn't those payments that was hurting me, it was everything else. WHAT IS GOING ON WITH THIS COMPANY! I reaffirmed everything, that means that I am willing to keep this debt and continue to make payments. All of my calls to customer service have been unproductive. Their only response is that I filed bankruptcy. I'm like, where is my money and why don't I have access to my accounts even though I reaffirmed everything from USAA. I wrote them a letter and even sent them another copy of my bankruptcy petition showing my debt there reaffirmed.
Now, I see if I'd added the credit card, car, or something to the bankruptcy. That would be different. But I agreed to keep every thing from them.
I didn't try to sucker out and have their credit card written off. I make my payments in which I can't anymore because that access is also gone. I'm just stuck with no options right now. You know how hard it is to stop and change ALL direct deposits and have them sent to another account. Uncle Sam doesn't like changes and makes you pay for them by waiting even longer. I don't think this is a fair practice to anyone who have received this from them. I almost got put out of my apartment because they rejected a darn check to the only account I used up until recently. It might be a month or more before the money will start flowing into my other accounts. I am in a very bad situation.
BEWARE. Filing bankruptcy and being a nearly exclusive member of USAA will cost you.. and cost you dearly. I still don't know what to do. They are just as protected by the feds as AAFES is, so I say this as a person who is in a very bad situation. Withdraw all your funds, change over all insurance to other companies, etc if you ever plan on filing bankruptcy and you are a member of this company. I was very loyal to this company and making sure everything was in good standings with them. I do not deserve this.
We have been members in USAA and insured with them for over 14 years. A tornado 'totaled' our 2003 33' 5th wheel RV on May 10, 2008. The RV was 'fully' insured with USAA and we carried a $500.00 comprehensive deductible. The policy clearly states USAA's definition of 'Actual cash value' for a total loss as follows:
'the amount that it would cost, at the time of loss, to buy a comparable vehicle. As applied to your covered auto, a comparable vehicle is one of the same make, model, model year, body stype, and options with substantially similar mileage and physical condition.'
After speaking with a USAA rep, we got online, googled up some comparable RV's. We were able to locate only two for sale nationwide at the time of our loss. The one in California had already been sold (for over $25, 000) by the time we called. The other RV is located in Arizona and after 3 separate phone conversations with that dealer, we were able to deal down to a price of $23, 500.
To me, that IS the fair market value of our RV. We would like to be reimbursed for that amount and since we live in Missouri, apply that amount towards a newer model available locally. USAA, however, had other ideas regarding the 'fair market value'. According to them, using CCC Valuescope, our RV should only be worth around $13, 000. Coincidently, (I'm sure) our remaining loan amount (at USAA) is slightly over (you guessed it) $13, 000!!
USAA claimed they had located some comparable for our RV and provided us a list of examples. When we researched the RV's they used for comparison, we found each one to be at least 5 feet shorter than ours and they also contained fewer options than our RV.
After considerable negotiations and pleading our case with various adjusters and supervisors at USAA, they finalized their evaluation of our RV to be $17, 746, which is still way below what it will take to replace our exact RV. That would, in effect, turn our $500 deductible into a $5, 754 deductible. Then, too, we would be out several hundred dollars worth of travel expense to go pick up the replacement RV.
In our opinion, USAA insurance isn't worth the paper it's written on.
We have canceled our remaining auto policies with USAA. We are currently instigating other financial options that will allow us to pay off the existing loans for other auto's or motorcycles we currently have with USAA. And we will find another credit card company to accept the balance of our USAA card. In the future, USAA will not receive any of our banking, credit card, or insurance business. Furthermore, even if we live to be 100, we will never pass on an opportunity to provide negative word-of-mouth for USAA accordingly.
When the chips are down, good insurance companies shine. USAA does not shine. They only strive to cheat people for the almighty buck.
USAA holds the second mortgage on what used to be my primary residence, but I have relocated out of state since September, and I have been late with my payment since . The reason for this is because my job relocated me to another state, and my former home has been with on the market since May of 2008. At the moment, I am attempting to do a short sale. I logged into my account yesterday to find out someone from USAA had personally taken it upon themselves to withdraw funds to apply to the payment without my prior authorization, or court orders, and I feel much violated.
To top things, I don't know how I am going to pay for childcare and groceries. I want to see some corrective action.
I am insured by USAA and was hit by underinsured driver while stopped at a light. As a result of the...
I have been a member of USAA since 1953, so I never thought I would be complaining about them. I refinanced...
My community college attending daughter was in a fender bender in her car (registered to me) and I thought we were insured. Due to some technicality that I'm still trying to figure out, Allstate says that we were not covered on the date of her accident. USAA sent me a bill for the $8, 000+ they said they paid to their client (for a broken head light?), followed the next week by harrassing calls from their collection agent, Mary Tomio at Insurex Inc. Mary threatened that if I don't pay the entire $8, 000 my own car license and registration will be revoked, wages garnished, etc. She offered no option for a payment plan, and didn't care that I'm appealing Allstate's decision. My complaint is against Allstate (I've been a customer for 33 years but can't say that "I'm in good hands"); USAA and their collection agency Insurex, and against the insurance industry as a whole. Why do we pay extra for uninsured/underinsured motorist on our insurance premium if they then turn around and collect/harrass/threaten anyone that they can for any amount that they have had to pay out? Meanwhile, the former CEO of Allstate (who is now CEO of AIG) was paid $17 million a year!
USAA bank is a military only insurance and bank. They specialize in taking advantage of our military members. I have a HELOC or second mortgage on a home in Arkansas. The home has dropped in value 100k and I am unable to sell, rent, or give away. USAA put me on their automated computer system that calls at random as early as 0655 a.m. and as late as 0900 p.m. They even called December 24th at 0800 pm. with their automate system that asks you to hold and then it hangs up because no one was available to receive this call. When the bank calls the caller ID shows unknown caller and they do not identify them selves until they have who they are looking for on line. I wrote letter requesting them not to call so early or use their automated system and their rep told my during my last call that they did have to abide by the fair collection act.
"First a bit of background". I moved to San Diego in June of 07' in search of a new life. Upon arriving...
USAA has pissed me off for the last time! I've been in a couple situations where my mastercard has been put on freeze when certain emergancies had popped up; which by the way USAA doesn't let you know about it unless you go to their website on that certain day which tells you that your credit card might not work for today due to maintainence. I was in New York City at the time trying to pay for my meal at a restaurant and when they ran my card through it popped up declined. I had to run to the nearest ATM to pull out cash using my NASA Federal Credit Union ATM card. While I was doing this, my friend was sitting in the restaurant getting glares from the waiters/manager. That was a very unpleasent night and embarrasing one too. The second was when I was in Basic Military Training for the United States Air Force. While near the end of BMT I had to pay for dry cleaning, which at that time I gave them my Mastercard which popped up declined. That was embarrasing too, my wingman payed for my clothes thank god. I couldn't call them right after because I didn't have patio break/base pass until the next week. When I finally had time to call them. They ended up putting me on hold for at least an hour, which at this time I could be calling my parents to tell them that I'm okay and that I love them. When they finally got through, they told me that they canceled my card due to, "TWO LATE PAYMENTS and going over my limit one time." That one late payment was due to fact I was going through BMT and my dad forgot to take money out of my savings to pay it, which was only late for 2 days. And for me going over my limit; I ended up doing a money transfer from my NASA FED Credit Union to my USAA Credit Card. I ended up going to my NASA Bank that same day and they told me that the checks that I received won't go through for another week due to it being international. I called USAA right away to ask them to cancel the money transfer process and they did NOTHING!!! They told me that they couldn't do it and that I would be hit with a penalty due to it. So now, my USAA Credit Card is canceled by USAA and they damaged my Experian Credit Report. My First Sergeant, even talked to them on behalf of me and they put him on hold for quit awhile and then showed him the disrespect of telling him two different excuses on why they canceled my card. The first operator told him that they just frozed it due to fraud, then the second operator finally told him that they canceled it due to the late payment. Which my First Sergeant said that it doesn't make sense, which they replied with a, "I don't know, I just work here" type of statement and when my first sergeant asked to talk to a superviser they replied that he won't come to the phone now to him being to busy. WTF!
For a Credit Card company saying that they support the military they sure know how to show it. So now I tell all my airmen who are in the dorms with me in Text School not to get USAA because they are a Credit agency that will ### up your credit report, even if you try to explain to them your situation. They just simply don't care and they simply don't care about how many stripes you have or how many years your serving. The basic line that they give you is, "Thank you for serving and sorry to tell you this, but you've been Denied. Good Bye"
This Airmen and other active military personnel aren't getting USAA again and we will be protesting them at our base. I've talked to two Marines that got screwed over by USAA and another Airmen so believe me when I say that Military or Civilian, they don't care. Go with NASA federal Credit Union they're much nicer to to the military. ^_^
Whilst serving our country in Iraq my son a US Marine found the car of his dreams online. He purchased the car and we took it to him upon his return to Camp Lejuene in Jacksonville, NC. Whilst driving it in Jacksonville he was sideswipped by another person and extensive damage was done to the car. The other party was found at fault by the police and ticketed for the accident. USAA was the insurance company for both parties.
The car was independently valued and declared as a total loss. USAA wants to settle the claim for $5000 less than the car was valued at. They refuse to negotiate. We have contacted lawyers and they basically are not interested in the case as they say it will cost more than the $5000 to collect it from USAA. They advised me USAA knows this and thats why they routinely do this to people.
I find this despicable for a company which claims it was formed by a retired general to assist service men and women with their insurance and banking needs.
I had been a loyal customer of USAA. Last month I cancelled my car insurance, of 20 years . I had moved to another State and gave the car to my daughter. I stated that when we did purchase another vehicle it would be up to my (husband to be) who he wanted to go with. He has been with his insurance company for 30+ years. I was told for a fee that they could hold my account open so I could get the same rate. We know that is not the truth. Another person told me, because of my great rating that I would be taken back. I have never ever been late with my car insurance or any other payments. Yesterday in the mail I get a letter stating because of my credit history they took my credit line from $13, 500 to $5, 200.
#1 Never have I had my card to my limit
#2 I never asked to have my limit raised it was done because of my credit history
#3 I have not used this card in over 10 months
#4 Some time this past summer I sent in $3, 000 payment. I have no minimal payment due but I send in a good amount each month.
My limit was taken down, for one reason only!!! I cancelled my car insurance with you. I don't need this card nor did I ever need a $13, 500 on my credit line. You people are nothing but a scam. Over the years I have gotten people to go with USAA, I will now tell people my story and call the ones who still have business with you, including my family. My dad has been with USAA for a life time. He is 88 and still living and still is with you. I will get him switched.
I've been a member of USAA for quite some time, and over the years I've had nothing but praise for this financial institution. Regrettably, due to some financial restraints on my part, one of my credit accounts went into delinquency. While this is completely my fault and I'm in the process of trying to resolve, USAA has since blocked all on-line access to ALL of my accounts.
As I'm in the process of resolving this, I now have no access to online deposits, and they discontinued with next day deposits with UPS, nor can I accurately maintain my other accounts within USAA and pay bills accordingly or even deposit funds in a timely manner to pay the outstanding debt in question.
I admit, I was in the wrong with my delinquency, and although I'm trying to resolve, by not providing any access to my other accounts, (and apparently other people have the same problem) this is the set-up of an absolute financial meltdown for those with multiple accounts with this organization.
Astonishingly, even the Texas Banking Commission was surprised to hear my story.
The whole experience using USAA MoversAvantage and related services has been horrible. We are in the final stages of signing off on a real estate deal using exclusive USAA services and when we are about to finalize the USAA loan and USAA insurance needed to close the deal USAA decides it does not want to insure any more houses in the county the county we put a down payment on a house. (shown to us by the USAA Real Estate agent). This is coming from the company that solicited us to use their Real Estate Relocation Service, use their USAA mortgage Company and their USAA insurance. We really have a feel like USAA is abandoning us on this deal since we put a down payment on the property and are Expats overseas trying to relocate back to the U.S. Now we have to find another mortgage company and insurance company (from overseas)! This is very aggravating to say the least. I guess being loyal to USAA customer over the last 23+ years has no bearing on USAA's decision to leave us hanging like this. I would think most USAA members would be shocked to know that a company they grew to trust, a company who pride themselves to be loyal to it's members and who we exclusively used over the past 23 years for all insurance, banking and investment would treat their members in such a manner. Sometimes company's have to take a look past the $$$ they "might be exposed" to and look at the goodwill and relationships with their customers. USAA has lost allot of Goodwill in this instance and I am very disappointed with their lack of support to us Expats trying to relocate back to the U.S. So if you find yourself in the same situation beware of what USAA promises and do not assume they got your back covered... they are just like all the big insurance companies that look at the bottom line before customer service...