New Reviewer

USAA is horrible

I was a victim of auto accident. Three cars were involved this accident on June. I was at the front of car, seat on the right side of back in the car. My weight is around 88pounds. Pretty skinny and also two months before the accident, I had shingle on my left side of forehead so my health condition was not a good as normal. I went chiropractic office for 3 months. My medical bill cost is $8500. However, USAA offered me $10,000 included medical bill. It means I get nothing. The car repair cost was $900 that`s why USAA thinks I am a lier and went chiropractic office just having some massage. I got shocked... I have no idea about the repairing of car cost but I assume it should be over $2000 for repaired.. The right side of bumper was fell down and one of wheels came out. How come they think I am a lier.. who is gonna spend time for going to clinic without sickness.. I closed my case that`s because I am a really busy international student. I spent my time and money to go to clinic.. so much time I spent for recovery my body. My lawyer is going to sue them.. I don`t know what else I could do at this point. Please let me know if you have similar situation as me.
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2 comments
#585767

You say your medical bills were $8500, and you received $10,000.. Then you say the cost to repair your car was $900.00, and then you turn around and say you think it will cost $2,000 to have it repaired.

Which was it? A lot of people go to the chiropractor on a regular basis. Those trips to the chiropractor must have helped being you kept going-----if they hadn't you would have quit going. In order for you to seek chiropractic help you must have considered yourself sick----so what is your point in regard to that?

To me it doesn't sound like you have lost anything----you are able to function, use your body, but not your mind, real well. To me it sounds like you want to receive more from you insurance than you have coming. When you say you closed your case, do you mean you refused to take what they offered?

I think you probably should have consulted your parents. If you are so hard up, how can you afford an attorney?

#591941
@PissedConsumer585767

Sounds a bit like a fraudulent claim of extensive injuries with only $900 damage to the vehicle....perhaps USAA feels the chiropractic clinic performed treatment that was unnecessary in order to jack up the bill.

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ID
#369986 Review #369986 is a subjective opinion of poster.
Location
Los Angeles, California
Service
Usaa Auto Insurance
Loss
$10000
New Reviewer

USAA refused to pay for accident.

We are a USAA customer and have paid them monthly. We were hit by an uninsured motorist. We submitted on our uninsured portion. Well, all of the sudden we have become a third party submitting against our own insurance company and they are refusing to pay. I am very dissapointed and downright angry. I am having to pay all of our repairs out of pocket. What makes me angrier is that company is representing themselves as helping out our soldiers and veterans (which my husband is). These people are taking advantage of and screwing over our military men and women.
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ID
#369775 Review #369775 is a subjective opinion of poster.
Location
Fort Worth, Texas
Loss
$8000
New Reviewer
Update by user Feb 23, 2013

I am still fighting with USAA. It has been two years.

My insurance has been cancelled, and they seem to think I am going away. Executives who will not identify themselves are claiming misrepresentation after two years and my filing with every agency available to...

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1 comment
#591947

A common thread through the complaints I've read today is that folks seem to point to USAA not having any record of requested changes, cancelations, etc. The reason I mention this is because I have learned through my own experiences that it is MY responsibility to keep copies of valuable documents, such as insurance policies and associated correspondence, in the event of an issue.

With the amount of electronic data that changes hands each day, companies usually have policies in place regarding the the length of time data must be stored, how it's stored, etc. While this situation certainly is not one I would ever want to be part of, we - as consumers - must take responsibility for protecting our assets and not trusting or expecting that anyone else has our best interests at heart....in my opinion.

ID
#367973 Review #367973 is a subjective opinion of poster.
Location
Glen Carbon, Illinois
Service
Usaa Homeowners Insurance
New Reviewer

Victimizing military people for personal gain...

USAA was once a very fine bank for the military, they are now a shadow of their former selves. Horrible and immoral. Need more convincing? Just talk to one of their many disgruntled ex-employees. Don't believe the hyperbole that they dish out, they only care about one thing... I wish that everyone knew the real truth but most people don't boter to look until it effects them personally. I suggest that everyone do their own research and formulate their own opinions. Look at the lawsuits over USAA's insurance practices, it's absolutely abysmal. Look at the slew of complaints about USAA's mortgage issues and how their sheer incompetence has been a major contributing factor in many many military families lives. Customer service all but evaporated when they moved everything offshore so they could pay people minimum wage without benefits. So much for all their promises.
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3 comments
#947157

The banking itself sucks! I deposited a check and was advised after the fact there would be a 10 day hold.

For what ? I can understand 28 hours, but 10 days?? What an inconvenience! Then the bank was inconsiderate, rude and disrespectful.

I just joined this account with my fiance and as soon as the deposit post, I'm out of there! It's another"perk" for our military.....about like the VA...sucks like ***!

#753037

Offshore? Do you actually know what the term "offshore" means?

Not a single one of USAA customer service representatives are outside of the US. It's hard to take what you write seriously when you are so illiterate.

#1724545
@PissedConsumer753037

Maybes not offshore but are certainly not USAA employees. Thet are in fact contractors.

USAA is NOT the great company it once was. Eventually, USAA will sell off every product or service they offer. Investments now, Banking next? They already sub out a big chunk of insurance.

I had to go to other companies for my boat and motorcycle. Guess what USAA? The rates are not discounted with your “sub” companies. I was treated as a new customer with Progressive, via USAA.

I’m a 30 year USAA customer. Then Progressive told me I could get better rates if I would move my cars over. Progressive is stealing USAA is Own customers. Ha ha!

Funny thing is when I called Progressive to get a quote on insurance without going through USAA it was cheaper! That’s how subcontracting works! USAA will not exist at some point in the future.

They will be just a call-center selling other peoples products. Pretty much that way now.

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ID
#366764 Review #366764 is a subjective opinion of poster.
Location
Las Vegas, Nevada
Service
Usaa Mortgage
New Reviewer

USAA

drafted during the Viet Nam War, Sgt E-5 Military Police and twice they deny me for a simple Master Card. USAA is full of *** in their TV ads. You are no more than any other citizen to them, active, retired, honorably discharged or any other term. Once I get my auto insurance replaced I am dumping these people for good. One ticket for a red light and they slammed some outrageous surcharge on my policy for 3 years to come. I'm telling you not to fall for all those ads telling us how special our veterans are to us
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2 comments
#753038

I'm actually still on active duty and I don't expect a free ride. Why do you?

If you have *** credit it's USAA's fault?

If you're a *** driver they should give you the lowest rates? You need a psych eval.

#753087
@PissedConsumer753038

i don't expect a free ride nor does one red light make a *** driver. You weren't drafted right out of your life......

Another veteran would never slam one so I am assuming your reservist motor pool if anything

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ID
#362790 Review #362790 is a subjective opinion of poster.
Location
Hicksville, New York
Service
Usaa Auto Insurance

Treated my brother poorly!

My brother had to get a loan with USAA to get the money to fix and replace an air conditioning unit in his house. He had called and I had agreed to be a co-signer on a loan for $3300. They told him that he was denied because I made TOO MUCH money! Really? I would think that if I made too much money that the loan would be paid quickly and the bank would make the deal. Of course, the bank probably wants more on the interest in the long run. My brother had a loan on his car about 6 times as much in the past. I guess that doesn't count? Way to go, USAA!!! A military veteran that YOU denied and didn't go out of your way for! My brother went out of his way defending our great nation and this is how you thank him??? What a terrible disgrace! You deny a military veteran and disrespect him with a simple loan, but you have the audacity to make a commercial on television!
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2 comments
#584415

This slander of the highest rated insurance carrier and investments and banking services provider is so off the mark. I'm disgusted with your infantile defense of an adult brother.

Whine to someone who cares about your unworthy loser brother, but do not slander a company whose reputation is as sterling as this one's is with my family through over 50 years and more than a dozen well-handled claims on both our property and autos through the years without one hitch. USAA is absolutely unmatched.

#572653

If your brother is a grown man, let him do his own complaining.

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ID
#361466 Review #361466 is a subjective opinion of poster.
Location
Hurst, Texas
Service
Usaa Loan
I asked USAA Life Insurance to cash in $6000 from my Tax Sheltered Annuity and withhold $1500 for taxes and asked that $4500 be sent to my bank account. I provided my banks name, routing number, and my account number as shown on my checks. All was verified correct by...
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ID
#359287 Review #359287 is a subjective opinion of poster.
Location
Tampa, Florida
Product
Usaa Checking Account
New Reviewer

They lied!

I have my auto insurance and renters insurance with USAA. I thought I would get a pre-approval letter for a home loan from them. I was told it would cost me $50.00 for the approval letter and that every company charges this upfront and that at closing the 50 would be applied to the closing of the house. I being unexperienced beleived them and paid the charge. I soon found a home me and my husband told our realtor we wanted to place an offer. He asked me to send the pre-approval letter and he would get the paperwork started. I sent it and after 20min got a call back. He said the closing costs were way high, taxes estimated un realisticly low and the same with the insurance rate. So I called local lenders and found out he was correct and that they lied to me about the $50 charge and that the company has a bad reputation in the area for not financing at the last minute. I guess if you see a USAA approval letter you best double check it and sellers are cautious at accepting a persons offer when it's approved by USAA. No one charges an upfront fee for approval letters. I called USAA and asked them to give back or apply the 50 to my insurance or my bank account . Spoke to a manager and when I asked if the company had any vaules I was told "No, it's a company." I will be looking to be doing services elsewhere for all my needs. Also the Mover advantage and Home Circle is awlful. I have been trying to work with them for 2-months and have yet to get anything besides auto mail listings. No response to my e-mails, hard to get ahold of and I have been swaped to a diffrent agent yet still no reponse and with this new one no auto emails. I'm going with a local guy that I called to get info on a house right now. USAA just takes advantage of people.
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ID
#355951 Review #355951 is a subjective opinion of poster.
Location
Pensacola, Florida
Product
Usaa Account
Loss
$50
New Reviewer

Homeowner Claim Closed After Submitting Necessary Paperwork

On September 7, 2012 I filed a claim with Susan regarding a tree falling on my shed. At her request I uploaded 21 photos of the damage. Then I received a letter in the mail from her asking for photos, and dimensions. I called her and she stated that the 21 photos would suffice and gave her the 10' x 10' dimensions, and contents I was asking to replace which was a stainless steel shelving unit. All witnessed by co-workers. She said she would begin checking into pricing, and get back with me. After a week I called and left numerous messages, but she didn't return my calls. Then another adjuster called (fogot her name) requesting the same information. Called her back, but she never returned my calls. Then I got Brady, who did appologize, and asked that I send estimates that they had enough photos. Today October 27th I receive a letter closing the claim from Therese Jackson, as I didn't supply information needed, and assuming that I am not interested in pursuing the claim. Sorry but, WTF. Where in the heck is the communication lacking? I would be glad to submit more photos to anyone who would like to see them, as I have taken about 50 during the whole ordeal, including the cleanup process as well. Now I have left a message for Brady, as it is Saturday, and would almost bet I will not hear from him again.
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1 comment
#584420

What is your deductible? Is the cost of replacing the lost items greater than the deductible? If you're in Florida, I doubt your shed's replacement cost is greater than the deductible on your policy, considering the risks insurance carriers face in your state.

ID
#354725 Review #354725 is a subjective opinion of poster.
Location
Tampa, Florida
Service
Usaa Homeowners Insurance
Loss
$2200

Cutomer Service: In Training

I've been a USAA member for 18 years and until a year ago I thought USAA was the best financial institution anywhere. But I've had to call customer service six times in the last year to correct errors they've made. The last experience was the worst. They had incorrectly shown my bank account as overdrawn and posted a $400 charge to my credit card for the overdraft. After 30 minutes on the phone with the checking section my balance was corrected, but I had to speak with the credit card section to get the overdraft reversed. The credit card customer service representative was completely inept and so I asked to speak with a supervisor. At that time I was connected to a member of the executive resolution department. She indicated that the overdraft would be reversed and the $400 would be taken from my checking account and credited back to my credit card account. Well, 3 days later, the $400 was taken out of the checking account, but unfortunately never showed up as a credit on my Visa card. Five days after the original phone call, the same member of the executive resolution department said she would research it and get back to me. All told, I spent over 1 hour on the phone; and this was just one instance. After all this I asked the executive resolution member why customer service has dropped off so much. She informed me that USAA has doubled its membership in the last couple years and will need a little time to get the new customer service representatives trained. Well, since I'm unwilling to serve as an experimental subject for the training of USAA personnel, I'll be closing my accounts.
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ID
#354225 Review #354225 is a subjective opinion of poster.
Location
Cheyenne, Wyoming
Product
Usaa Checking Account
I was hit in the parking lot while leaving work. I was in the main thruway out when a USAA member drove full speed through the parking lot and hit the front of my truck carrying us across the thruway, up the curb and into a handicap spot. She did not slow down or look...
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3 comments
#1162542

100% disabled Vietnam vet

Saw all the ads about how USAA helps vets

Used them for my mortgage

Worst decision ever

Due to their incompetence closing pushed out 2 months

Now after 3rd payment, get a notice that my escrow was miscalculated and my mortgage payment will increase by $205 per month USAA SUCKS

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ID
#353927 Review #353927 is a subjective opinion of poster.
Location
Washington, District Of Columbia
Service
Usaa Claim
Loss
$5500
New Reviewer

USAA mortage is the worst

Even with repeated phone calls and working my way up the chain of command, no one at USAA Mortgage has any degree of customer service. I have been trying to find details of my refinancing. My compliant is really about the absence of any customer service. I get the same curt, even condescending service with no answers. This included a person named Alex supposedly the person in charge of "Executive Customer Service", what a misnomer! I would advise anyone to take their business elsewhere! Most of these people are rude, indifferent and go to great lengths to remain anonymous so as not to be accountable for the behavior. Even people at USAA have told me the Mortgage services are the worst. So sad.
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1 comment
#562596

Had water damage. Mortgage Comp kept check for weeks on end, excuse after excuse, wanted hand written letter, don't call back, don't next day (stated and highlighted to next day two places in my file) ya took over a week.

I HATED dealing with thier loss draft dept!!!! Liers!!!

Don't do what they tell you. Everything is 2 days processing or longer.

ID
#353539 Review #353539 is a subjective opinion of poster.
Location
Flagstaff, Arizona

USAA Flood Insurance Quote

We have spent 3 weeks trying to get a live person to get us an insurance quote. We have been disconnected - put on hold for verty lengthy periods and cannot get anyone to give us a quote. They ask for information we send it in via fax and email. Thebn spend hours on phone trying to get a celrical - operator who says they still do not have the information. We have tried to go to Supervisors and they say they need information. ( ie Elevation certiifcate) We send it in . Spend another several days trying to get a live person on the phone - after 2 hours of beign disconnected - then put on hold - We get someone - who says the same thing. We didnt get the info. VERY sad how this company operates.
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2 comments
#820219

We were trying to get our mortgage insurance through USAA and it was already week 9. We were no where near closing we had 2 1/2 week and we did not think USAA representative knew what he was doing.

We switched to another mortgage broker and she did in 2 1/2 weeks what USAA could not do in over two months. Extremely incompetent! We dumped USAA.

Three weeks later we get a letter from USAA telling us we did not qualify. That was a great cover up on their part to tell us we did not qualify due to their incompetence.

#582754

I agree. USAA stinks in so many ways.

Too many to mention. They pitch as "convenient" to the military members but truth is, back in the day, they were "too good" for enlisted. They were only open for OFFICERS. That should have been my clue righ there.

Next...flood insurance. After a horrible tornado and I evacuated...I came home and had standing water in my living. I have homeowner and flood insurance..BOTH. After several calls to homeowner ins departmtn and receiving *** answers, I finally got a rep to tell me, "you need to call flood ins." WHY DIDNT SOMEONE TELL ME THAT WEEKS AGO?

So the process starts all over....after finally talking to someone with some sense. Was told, "sorry, the water came in through an existing hole so we will only pay you partially." HUH? If the tornado winds ripped the roof off and the water came in, then we pay. But the water came down the chimney and out of the fireplace..exisit hole so...we arent paying your fully.

WHHAAAAAAAAA? PS..I am no longer impressed with USAA.

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ID
#352562 Review #352562 is a subjective opinion of poster.
Location
Maryland Heights, Missouri
New Reviewer

USAA is a veteran scam

Despite my good paying job and good credit score I was denied a home loan after being preapproved because I took a higher paying job. They don't care that your a veteran , it is a scam. The late denial cost me over $2000 in fees and inspections and hurt my family situation. they also denied my auto and rental insurance claims. They are a big bank posing they that they care about veterans. If you are a veteran do not become a member because of their commercial campaign that shows empathy towards veterans, it is a fallacy and they will do what any other bank will plus they aren't familiar with practical bank practices, my realtor was in the fog the whole time because they have no set standards.
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2 comments
#561108

Just responding to your complaint. I work in the Colordao Springs office.

I can tell you that at least my office is on what is known as a "work slowdown". Since us mortgage processors are not unionized, we have little recourse when huge work demands are made upon us. For example, our average caseload is 80 borrowers! We have got to process 80 different loan files concurrently with no support and no systems training!

The only way to "get rid" or move oans off of our "pipelines" is to delete the documents the borrowers send in via fax (which comes right to our in bix, email OR delete the emails directly OR delete the inquiries from the member portal system. (thats where you log in to see a secure message). This is all out war and I am sorry it is you, the member that suffers. However, how do we get management's attention?

I admit, there lso is some bitterness on our part as well- picture this: You work for slave wages at a mortgage company, you are treated like dirt, and expected to meet goals. Now, also picture looking at loan applications all day of you *** winey cry babies retired at 39 years old with a pension for life!!! WTF? No wonder our country is in trouble- freeloaders like those members that have NEVER seen combat/war theater.

I can understand taking care of our Veterans that have seen battle- I get it. Anyways, just know that you are way way way better off walking in to your local community bank and sitting across from a real person rather than dealing with a remote service center (USAA) that could care less!

#559712

The "veteran" thing is simply an advertising ploy. They are good at using the hardships associated with military life to take advantage of veterans and especially their families.

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ID
#352367 Review #352367 is a subjective opinion of poster.
Location
Northeast Harbor, Maine
Service
Usaa Loan

Do not use USAA MORTGAGE COMPANY

I would love to save others the time, mental energy, and money from having chosen USAA. It has been difficult to make contact with them, even our attorney had no patience for the 30 minutes of being on hold.(no doubt) There is never anyone up to speed with your case to speak with. Our closing was delayed 3 times in one day, even when we had confirmation that it was to happen that day. We wasted our time, the attorney's time, and the Title Company's time. It was the most unprofessional scenario we have found ourselves in. Never again.
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5 comments
#585120

I have gone through two mortgages in my life, one with USAA and one with another company. With USAA I was able to get the mortgage process done in only 2 weeks.

Everything was made very easy by the very professional loan officer. I was less than impressed with the other company.

I would have to say that your experience is quite the opposite of mine. I will have to call BS on your story.

#574791

Melissa, you should be ashamed of yourself. Our country is in trouble because of people like you, who are lucky to have a job, but are too lazy to put in the effort it takes to do your job effectively.

However, thank you for providing insight as to why USAA is so incompetent. With people like you pushing the paper, it all makes sense....

#624522
@PissedConsumer574791

I used to work there and agree with Melissa. USAA treats employees horribly.

I dealt with a sexual harassment issue that I was not the one to bring to USAA's attention. Nor did I want to be involved. I was treated like dirt. After USAA investigated the several instances by several women, the let go of the responsible party.

However, conveniently, our names were released out in the open for all of his friends to harass us daily in the lunch room, halls and elevators, driving me and several others to leave. I loved my manager, so I left quietly after being called every name in the book never to set foot in the doors of USAA again. This is just one example. Not to mention my coworker who had to be taken away in an ambulance and USAA tried to hold it against her with her attendance record.

FYI attempts to call 911 from our desks could not go through, apparently the security station had someway to prevent these to screen unnecessary emergency calls. (manager meeting was in progress) Frantic attempts to find help got the health center to get her The help she needed. Insane. Thank god it wasn't a heart attack.

All this is documented fact.

Just two of several stories typical of USAA.

#562585

Ya I had water damage and it was a NIEGHTMARE! They held insurance check up forever, didn't call back, make up extra stuff to fax, don't next day like they said. USAA SUCKS!

#561106

Just responding to your complaint. I work in the Colordao Springs office.

I can tell you that at least my office is on what is known as a "work slowdown". Since us mortgage processors are not unionized, we have little recourse when huge work demands are made upon us. For example, our average caseload is 80 borrowers! We have got to process 80 different loan files concurrently with no support and no systems training!

The only way to "get rid" or move oans off of our "pipelines" is to delete the documents the borrowers send in via fax (which comes right to our in bix, email OR delete the emails directly OR delete the inquiries from the member portal system. (thats where you log in to see a secure message). This is all out war and I am sorry it is you, the member that suffers. However, how do we get management's attention?

I admit, there lso is some bitterness on our part as well- picture this: You work for slave wages at a mortgage company, you are treated like dirt, and expected to meet goals. Now, also picture looking at loan applications all day of you *** winey cry babies retired at 39 years old with a pension for life!!! WTF? No wonder our country is in trouble- freeloaders like those members that have NEVER seen combat/war theater.

I can understand taking care of our Veterans that have seen battle- I get it. Anyways, just know that you are way way way better off walking in to your local community bank and sitting across from a real person rather than dealing with a remote service center (USAA) that could care less!

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ID
#352309 Review #352309 is a subjective opinion of poster.
Location
Chicago, Illinois
Service
Usaa Mortgage