CB Banks USAA Complaints #2-21

USAA review: USAA Auto Insurance spurs confusion on billing

Citizen180 of US

Aug 09, 2026 10:06 pm UTC

Featured review

These charlatans are taking advantage of working class individuals. Six months ago, I called USAA to make my monthly auto payment. The representative informed me that I had been paying only the bare minimum payments and I had a debt of $1,200+! I informed her that my texted statements, and balances announced by former representatives, ranged from $160 - $250.00. Once again, she claimed those were the least minimum payments, hence I had a balance of over $1,200.00. Because I could not pay the entirety, I made two separate payments; two weeks apart.

I was ready to drop USAA, at that point, and find another insurer. However, I decided to give them another chance and see how much they'd charge me for the next month.

My next statement claimed I owed a "0 balance"! Figuring this was a glitch, I contacted USAA to find out what I truly owed. The rep confirmed, it was true, I had a zero balance for the next six months. I was stunned; with numerous questions. Explaining to her, how the rep I spoke to in the previous month, insisted I needed to pay off a gigantic, accrued balance; there must be a monthly sum for January. She explained that the $1200+ payment I made, was in actuality; the bulk of six months of future payments - that the former rep erred in her explanation. All in all, that made sense, given that the next five statements indicated a "0" balance.

My current texted statement indicates a balance of $167. Okay. I went online to pay the sum, but my USAA account claims my balance is $1,002!

This [censored] I am not going through, again. I will give them a call, one more time to settle the matter, but I will find a different insurer. I don't have money to burn.

Recommendation: Do NOT become a client of USAA Auto.

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