USAA

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

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

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

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

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

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

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

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

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

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

I'm considering leaving USAA after 18 years with them for auto, some renters and home owners for the last 7 years. They denied our roof had hail damage, after sending out their own inspector. I should have pushed it more and gotten our own inpsection done, but I was trusting USAA. It turns out that everyone in our neighborhood who has replaced their roofs in the last couple years has had it paid through their insurance. Kind of funny how ours is the only one that wasn't caused by the storm... I know that they're crappy roofs that didn't have much life left in them, but everyone else is getting theirs fully paid for, except for small deductibles (not 2% and they didn't figure out how much life was left in them...) I'm a little irritated b/c we paid for our own roof (8K) and everyone else is getting theirs for free! And from reading things on here, I'm now worried about how much we would get if we were broken into or had a fire. I always assumed it would be the amount listed on our policies (for replacement value and amount of personal property), but it sounds like you have to pay for the amount they tell you to pay for, but then you have to prove it. Grrr!

I agree with all of you! I do not see how this company is still allowed to practice anything! On 10-19-09 a elderly woman tboned my husband in a intersection, she then left the secene of the accident and then was found two hours later and was still not aware that she had a accident. She is insured by USAA. We have been contacting them for four days now and they will not return a phone call...the adjuster became angry because I was complaining at her inability to do her job and then said..."Well maybe I should just find your husband neglegant". They have done nothing! We got the police reoport and sent it to them and it plainly states that she entered into the intersection against a red light, my husband swirved to avoid the accident and was unsucessful and that she left the scene of the accident and was found two hours later and was still unaware she had a accident. Thats exactly what the police report states! No way to look around that.
This woman was not punished for hit and run because quote "She's old". Her family stated to the officer that due to her unstability, her medication and her medical conditions...that any number of these things could have contributed to the accident. The officer is even suggesting that she go up for review to even hold a NC DL. USAA is still dragging thier feet. My husband was injured in the accident and has medical bills and time lost from work. The vehicle that the old woman hit was the only way we have to haul around our three small children not to mention all three of thier carseats were in this vehicle. On top of that we are supposed to be moved out of our current home into a new home by next weekend. We have left NUMBEROUS messages with the adjustor...and they WILL NOT call anyone back. And when you get upset because they will not do thier job they will just hang up on you...or like I said above threaten you.
Now we have Geico which is a great insurance company...they started right away to deal with the claim...and did their investigation and closed it in two and a half days. There is no reason USAA can not do the same thing. We are waiting for them to call today by 5pm to tell us they are excepting liability and going to take of the things that need to be taken care of or we are getting a lawyer.
I feel sorry for those in the future who have to deal with this company. I think someone should do something...but no matter how many times you call to complain still nothing is done. What are we supposed to do?

We are trying to buy a home being sold as a short sale. USAA holds the second mortgage. They had signed off on everything and then the appraisal came back lower than the selling price. The first mortgage signed off on the new price but USAA is refusing even though the amount they are getting from the sale has no changed one cent. We found this out last Friday. We have been trying to get an answer and were told on Wed. that it would have to go to a committee that meets on Thurs. The committee met and made a decision however no one could return the sellers agents calls about what decision was made. The agent asked to speak with a supervisor and was told she would receive a call on Fri. They called on Friday and informed the sellers agent that they would sign but wanted an addition $22, 000 from the seller or they would revoke his benefits. We are no closer to an answer and need to close by Spt. 23rd.

They have been nothing but difficult to deal with. They are suppose to support military families and they are now trying to screw the seller who is military and forced to relocate. My husband is also former military and I find this to be completely dispicable. This family is serving our country. They did not intend for this to happen and have no choice in the matter.

I would never do business with or recommend this company to anyone!

USAA claims i owe them money when i do not. I had a checking with them and now they are saying i owe $500 to them. I am free and clear of them. I dont understand why all of a sudden a "good" company would do this.

This is the 3rd and last time I will risk my life and health as a so-called "insured" motorist with the promised, advertised and paid-for med pay allowance of $100, 000 that USAA never intends to pay. All 3 times, I was not at fault for any of the accident injuries I sustained. In every case, I was rear-ended by others who broke the law by not assuring clear distance, and in one case I was even sitting at a dead stop at a red light. In every case, USAA auto insurance does nothing to defend or support its own insured customers, and instead, will sue them or go against them in court if necessary to avoid paying the promised and paid-for med pay or any amount of it that the injured person needs to pay their medical bills that result from getting in an accident, even when it is through no fault of their own. USAA HIRES MEDICAL DOCTORS AND LAWYERS TO WORK AGAINST THEIR OWN INSURED CUSTOMERS TO MAKE SURE THEY WILL NOT PAY MEDICAL BILLS WHEN THEY ARE INJURED, EVEN WHEN IT IS THROUGH NO FAULT OF THEIR and EVEN WHEN THEY ARE REARENDED IN ACCIDENT SITUATIONS THAT ARE CLEARLY THE RESPONSIBILITY OF ANOTHER DRIVER! In today's PROFIT DRIVEN CORPORATE WORLD, the consumer of USAA AUTO INSURANCE CLEARLY HAS NO RIGHTS. You can fight in legal battles until you are old, but the bottom line is, if you get in an accident, you will end up having to pay nearly all of the medical bills (WHICH ARE ASTRONOMICAL SINCE THE HOSPITALS CHARGE MORE FOR ACCIDENT RELATED MEDICAL EXPENSES) yourself if you have USAA as your auto insurance. Therefore, USAA's advertising that their customers "can enjoy the ride as they are covered" is clearly a case of false advertising...Unfortunately, one's regular medical insurance, if one is lucky enough to have it, will also refuse to pay for any accident related injury medical claims. Therefore, consumerS ARE paying for almost nothing, getting ripped off royally in terms of insurance premiums, and then losing their shirts whenever they are unlucky enough to be in an auto accident. Why do they get away with this? Because the big corporations have all the power, not the people.

USAA from my account and locked me out of my online access on 7/28/09 and nobody tells me why? On 7/30/09 after calling for serval times they tell me because I had supicious activity on my checking account. I moved over 100k and then withdrew it and the deposit only 40k, to my brokage account. Made 3 trades and then when I am getting ready to sell my stocks my account is frozen. They stated I need ID for me and my wife. Faxed them on 7/28/09 was told it would take 24 to 48 hours to verify this and my account would be open. Well after 48 hours my accounts was locked, and then I was told I would be assingned to a fraud investigator within 5 business days. I work at a job that requires much attention and have 40k frozen makes me parorniod. Nobody can tell me anything execpt to wait and somebody will contact you.

I cancelled prior to renewal of a homeowners insurance policy I had with USAA. They promised to cancel it and refund the monies to me within 10 days. It has been over 3 weeks, multiple phone calls and still no refund. Now I find out they never cancelled it and now I will have to take them to small claims court to get my refund. This the second time they have done this. Originally they charged me for 4 days of a car insurance policy that I didn't want. I originally asked for a quote and this is how they generate revenue. They hope that you just give up..Do not do business with USAA.

On April 5, 2004, A USAA "insured" motorist backed into my classic car. She backed into it hard enough to push my stationary vehicle several feet sideways.

USAA had an insurance adjuster look at the car, and claimed it was a total loss. I objected to this, provided USAA demonstration of the value of the vehicle and that this value exceeded the cost of repairs, even at their adjuster's highly inflated rates.

USAA responded to this with a letter stating that their final offer on the vehicle was less than half of the cheap estimate on repairs, and that if I failed to deliver the vehicle and title to them within 14 days, they would start charging me a storage fee, even though I was in possession of the vehicle and not storing it. They stated that my failing to deliver the vehicle to USAA in the allotted time, that I was agreeing to these terms.

It took two calls from my attorney to get USAA to agree to pay repairs or replacement value on the vehicle (repairs were cheaper). USAA then sent a check marked "full and final on all claims" for less than than the agreed amount.

It then took three letters, the final of which was a threat to take their uninsured client to court before a corrected payment was sent.

In all of this, USAA had agreed that the vehicle was not a "total loss." However, after the final check was mailed, USAA did file a "total loss" agains the vehicle with the state. I discovered this in January of 2009.

It took a month of phone calls to USAA to finally get them to agree to correct this "oversight." They said they would send me a copy of the letter they sent to the Montana Department of Motor Vehicles. It took several more calls to USAA to confirm that they had sent the letter, and then it was a fight to get a copy, but I finally did.

I have checked again the the DMV, and have discovered that not only did the DMV never receive the letter from USAA, they have no record of the call USAA supposedly placed to them on February 23.

This issue still has not been resolved, and USAA seems to have no interest in this. This is how USAA demonstrates their "values of service, loyalty, honesty, integrity — and doing the right thing because it is the right thing to do."

I have a personal property insurance policy on my engagement ring. It was appraised and is insured with USAA for $9830. I have been paying premiums on this policy for 10-years. Recently, I chipped the ring and brought it back to the jeweler from whom it was purchased. They verified the chip and so I contacted USAA. I faxed them the AGS certification for the diamond which provided all the specifications for the diamond. They said that they would replace my diamond for $5300! I asked them to show me the AGS documentation for this new replacement diamond and they could not or would not. They said that I would need to mail my diamond to their lab for further verification. Are they kidding? The AGS document is a certified document. What more do they require, other than to swindle me out of my premiums on a $9830 diamond and replace it with a lesser valued stone! IF YOU ARE THINKING ABOUT PERSONAL PROPERTY INSURANCE WITH USAA PLEASE DON'T! USAA is ripping off it's members.

A little less than a year ago, July 21, 2008 to be exact, our home burned down due to what the fire department claimed as a faulty stove. My husband contacted USAA not long after the fire to report the claim on our insurance. Since then our fight has just been a down hill spiral. We had 3 different adjusters at first, 2 of which were extremely helpful and basically felt our pain of losing everything. The other one, the cause and casualty adjuster could not have been worse. He looked at me and my husband like we were rats. About a month after the house burned down we got a call from our first adjuster telling us that the insurance would be paid out and we would be getting a check within a week. The next day he called to let us know that the check would have to wait as I had not given my statement to the cause and casualty adjuster to date. A week later, I gave my statement only to hear that it could be 4-6 weeks before everything was processed again. 2 months went by and we hadn't heard a word from the insurance company, by this time, we've bought new furniture and settled into a rental house, but now we have, not only our old bills but new rent and furniture bills as well. Our bills started piling up. We got behind on our rent, due to the insurance not paying on time and eventually had to move out of this house because the landlord could not wait any longer on them. We moved into a rinky dink duplex and lived there for a month while having the same problems, the insurance would not pay out. By this time, 5 1/2 months have passed and we have barely seen a dime from the insurance company and we have yet to hear a word from them. Christmas was coming up and my husband and I were to the point of filing bankruptcy due to the fact that we could not make ends meet because of all the bills piling up. We had to take out cash advances to buy our son anything for Christmas. And all this time, we're still fighting with the insurance company. One day we'd hear that it was the stove's fault, they were going to sue GE for a faulty stove, the next we'd hear that they had never said that and that they would continue investigating. We had even contacted an attorney for assistance, we wrote the insurance commissioner, we did everything we could thing of. Right after Christmas, the owner's of the duplex we were living in sold the property and the new owners decided to evict everyone so they could remodel and raise the rent. So now, our third time moving, we rented another house on a short term lease as the insurance company has told us that it should only be a few more weeks and we will be receiving a check. Those few weeks pass by only to be followed by a few more weeks until finally our lease runs out and our landlord has all ready rented the property to someone else. By thsi time, we've gotten mixed statements from our NEW (by this time our 5th) adjuster who says to my husband one day the decision was made to pay out and then 2 days later tells me that my husband is a liar and she never said that and to think any different then I am crazy. Here we are not, almost a year to date since our house has burned down and I got a phone from Stephanie, our adjuster, who rudely stated in a voicemail to me that our claim has been denied and we will be receiving a letter in the mail. One year, a year of fighting, and suffering and we won't see a dime. After being insulted, called liars, and told that we are stupid by customer service, treated like criminals during the whole investigation, no assistance, and no caring. We just lost everything, our entire lives were in that house and they show no compassion. What kind of business can do that?

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.