USAA Reviews

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USAA military student loan highway robbery

Update by user Sep 16, 2011

18% interest BTW

Update by user Sep 16, 2011

In addition, I was never notified via phone or via email that anything had changed. Most companies would have explored other means of contact before forcing this on a consumer.

Original review posted by user Sep 16, 2011
I took out a loan as a student commissioning in the armed services. It looked good, but turned out horribly. I am now still paying for my mistake today. About 3 years into school, I decided to change degree programs and spend an extra year at school. I was told by USAA it would be deferred until I commissioned and was working full time. My mail was going to my home address over a thousand miles away and my family didnt open my mail as a courtesy and I was constantly gone for school or military training. I later recieved word that my supposedly deferred loan payments had plunged me into default. When I called USAA, they wouldnt do anything to help me, despite them prior telling me I would be good with paying it back after school. How was I supposed to pay 450 bucks a month on a loan when im taking 23 credits and working a job only 20 hrs a week?? They didnt care and told me if I didnt pay up it would go to collections..and since I didnt have any money, I had to beg & borrow to the point I had nearly nothing to satisfy them. Now Ive paid over 5700 dollars alone in interest and still paying out my ***. I dont even see half my paycheck and there is nothing they will do to help me lower the interest rate or lower my payments even though Im struggling to make ends meet, take care of my family, and am deploying overseas... For a pro-military company, they sure screwed this soldier good. This has been a VERY expensive lesson. Be warned before you sign your financial independence away to this company...
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ID
#262321 Review #262321 is a subjective opinion of poster.
Location
Jackson, Mississippi
Service
Usaa Loan
Loss
$5700
New Reviewer

USAA's is not trustworthy

I've had people straight out lie to me, I've got different stories from talking to one department to the next, I've been hung up on, I've spent a total of about 6 hours on the phone trying to get my Credit Card and Bank Account corrected, I've had to verify accounts online twice. I do not understand how this company has any good reviews. After being with this bank for under a month it has become clear that they can not be trusted with my money. I am closing my account and cancelling the credit card I just got with them.
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1 comment
#343801

We can certainly understand your concern over this matter. We'd like an opportunity to review the situation prior to you moving your accounts; perhaps there is some way we can assist.

If possible, please send a brief summary of the situation, along with your member number, to us at usaasocialmedia_bank@***.com. We hope to hear from you soon.

ID
#261581 Review #261581 is a subjective opinion of poster.
Location
Washington, District Of Columbia
Service
Usaa Banking Service
Loss
$20
New Reviewer
I have been a loyal customer of USAA for 10 years (my husband for over 20). Over that time I moved all my accounts from Life Insurance to my only credit card to USAA. I put all my eggs in one basket (I know I am an ***). I got a letter in the mail yesterday saying...
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10 comments
#1706072

They have been doing this to me too for the past three years. They lowered mine again on June 20th and I lost 10 points on my credit score, which was over 800.

I called Corporate after they did it to me the first time, lowering my limit by over 10k that time. Corporate told me that they can do it if they want. This should be illegal!! As soon as I can get that card paid off, I will close all accounts and never use USAA ever again.

For what it's worth, I have had no delinquencies EVER on my credit reports and always had a score higher than 800. They are using whatever reason they can to do this and are getting away with it.

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ID
#260323 Review #260323 is a subjective opinion of poster.
Location
Albany, New York

USAA TOTALLY INEPT for Home MORTGAGE!!!!

RUN RUN RUN...Totally inept.... 1)Delayed builder by 6 weeks because they did not communicate at all!2)Did not give 'good faith advice' on locking interest rate (somewhat subjective here) 3)Did not order the appraisal on time (despite that we requested 20 workdays ahead of time) they delayed until August 30th, delaying our closing.... 4) Per our contract Builder can hold house for 10 days from close (penalized each day of course) and IF we do not close (ie delayed from USAA), then we lose $10,000 earnest money(which is HIGHLY likely to happen). RUN RUN RUN from USAA mortgage.... Insurance is good but the home loan department is ABSOLUTELY WORTHELESS!!!! What we will be doing *Filing a complaint with the VA *Suing USAA for 'breach of good faith' lending standards *Perhaps suing under Fair Housing act of 1969 *Seeking Punitive damages for lost earnest money *I do not care IF I win or NOT; it is the principle!!!!! *Never sued anyone before PS: long military family (on both sides) ANYONE FOR A CLASS ACTION LAWSUIT? jnm1077@***.com
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ID
#260313 Review #260313 is a subjective opinion of poster.
Location
Atlanta, Georgia
Service
Usaa Mortgage
Loss
$10

Filed a legitimate claim and got dropped

My husband is a current active member of the military. Which is part of USAA's advertisement how they take care of their service members. Well we have had auto and home insurance with this well over 7 years or maybe even longer. The main pipe that runs through the house was leaking the house is 42 years old. The initial leak appeared to be coming from the kitchen sink well it turned out that the floor had to be removed. They paid the claims and dropped us effective next year. Punished for filing a claim. Company Sucks. Now they are trying to force us to some low budget company. Maybe Ms. Y. Rodriguez will know how it feels to have injustice done after she loses her job for screwing people. Cause there won't be no policies left for to cancel.
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ID
#259397 Review #259397 is a subjective opinion of poster.
Location
Miami, Florida
Service
Usaa Claim
New Reviewer

USAA baited and switched Mortgage Servicing:

After terrible mortgage servicing from another company, we were elated to find out USAA now carried first mortgages. after four (4)calls to them to confirm that they do not sell or transfer loans to other companies, we arranged transfer of the 'earnest' money to them. After a process where people you would normally not let into your house had to come into our home to do USAA process (appraisal, inspection, closer), when signing the final documents we discovered where USAA 'may' transfer the loan to another company. What do you do when you are out close to $800 and they paperwork is not what was agreed to while dealing with USAA? We unfortunately signed, and what did USAA do? Immediately transfered the loan to GMAC before the first payment was do. The first year, GMAC refunded close to $900 dollars from the escrow account, then upped the monthly payment because of escrow shortage. We have had four (4) different monthly payment amounts the first year! Call USAA to complain, they transfer you to GMAC, who places your call on hold and never picks back up.
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ID
#259209 Review #259209 is a subjective opinion of poster.
Location
Washington, District Of Columbia
Service
Usaa Mortgage
New Reviewer

USAA Mortgage- Dodged a bullet!

First time home buyers here, and we're just getting started. We thought we would get our home loan from USAA since my husband has had insurance with them for 10 years now. After reading all of your reviews, we have definently changed our minds! Whether or not USAA cares or even listens to the angry and frustrated voices on here, just know that you HAVE done some good here people! I will NOT be using them as my lender, and THANK YOU FOR YOUR HONEST ADVICE!!!!! I think we may have just dodged one heck of a big bullet! Now, anyone want to recommend a lender that doesn't have thier head up thier collective *sses?
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1 comment
#350867

Hi, We got completely screwed over by usaa mortgage 5 days before our closing date! We ended up going through a different lender: VAmortgagecenter.com with loan processor Garrison Foster and they were able to help us!

They were fantastic!! I highly recommend them, they put us at ease and made the process painless, unlike usaa who made our lives a hellish nightmare.

ID
#257175 Review #257175 is a subjective opinion of poster.
Location
Mobile, Alabama
Service
Usaa Mortgage

USAA insurance So Very Unethical

I sometimes wonder how do the employees at USAA sleep at night. No conscience whatsoever. I wonder if they would like to be treated the way they treat people. Heartless..i was screamed at yelled at just for simply asking for my rights. I have nightmares dealing with this company after my auto accident with a USAA driver who was not paying attention..they refuse to acknowledge problems pertaining to the accident which is obvious. I am thinking of a class action lawsuit this is a 31 billion dollar company and they should step up to the plate and do what is right. Treat people with respect.
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17 comments
#1473164

D/L 5/15/17 LOC: PUNTA, GORDA,FL Mishandling of this accident caused much anguish and frustration. The claim was paid before all facts were in.

I am USSAs insured atthe time and my cout date was 8/24/17.

no one helped me at time of accident or with this ridiculous subrogation not to be hwld until all info was available. My experience with USSAis not good, Am fightingfor my rights...

#562123

I work for USAA and since being employed there I think the company has gone downhill esp considering the amount of complaint calls taken. Also, I wish they would treat employees better.

Once I submitted a time off request 6 to 7 months in advance and still was told no.

In addition considering how much work is put on us we are given very little time to do it as they think answering phones all day solves everything. Very disappointing.

#501808

These people should rot in ***..well Karma will take care of them..for those who were treated fairly pray never to be on the other side of the table..you should not judge the ones who were ripped off you do not walk in their shoes..maybe some day you will understand what it feels like to be treated unfairly..this company is unethical check out their ratings..i did not come up with it..it says BEWARE doing business with this company...

#501807

These people should rot in ***..well Karma will take care of them..for those who were treated fairly pray never to be on the other side of the table..you should not judge the ones who were ripped off you do not walk in their shoes..maybe some day you will understand what it feels like to be treated unfairly..this company is unethical check out their ratings..i did not come up with it..it says BEWARE doing business with this company...

#501804

For those who were ripped off this is what the ratings are with The Consumer Complaint Agency...Be CAREFUL!!!The following are the exact words from their website...

This business presently maintains an unsatisfactory rating with the CCA. Consumers are advised to use caution when dealing with this organization.

#501803

For those who were ripped off this is what the ratings are with The Consumer Complaint Agency...Be CAREFUL!!!The following are the exact words from their website...

This business presently maintains an unsatisfactory rating with the CCA. Consumers are advised to use caution when dealing with this organization.

#436156

Yeah, lawsuits solve everything, especially negligence. Not everything can be peachy keen and only one side of the story does not tell it all.

USAA is rated number one in customer service by Consumer Reports (non-biased). Cheers!

#435723

We were involved in an Automobile accident and the other driver had USAA. Our Insurance company, Geico treated us wonderfully and even went out of their way to help the other driver. The other driver didn't have Rental coverage so Geico paid for their rental car. They claimed that both passengers cell phones were broken in the accident and Geico paid them $100 each for the replacement.

Then, several months later we received a letter directly from them saying we we liable for almost $2000 in non-covered costs and that we MUST send them a certified check within 15 days. We called Geico and found out that they had already agreed to the amount paid. Geico contacted them and they said "Sorry, that is just a form letter that goes out." Geico says that they have seen this happen before and the client was never able to get their money back.

We will stay with Geico and we will aggressively tell other people in our Military community to avoid USAA at all costs.

HM1, USN (Retired)

#365898

I lost everything to an apartment fire and they deposited the full amount of my coverage almost overnight once the fire report got to them. Then a few weeks later in our new place we had a bunch of stuff stolen.

Couldn't believe how courteous and caring they were. Was I really dealing with a company?

Felt like "mom" was making everything better! They definitely understand the unique needs of the military

#362270

For those who were ripped off this is what the ratings are with The Consumer Complaint Agency...Be CAREFUL!!!The following are the exact words from their website...

This business presently maintains an unsatisfactory rating with the CCA. Consumers are advised to use caution when dealing with this organization.

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ID
#256208 Review #256208 is a subjective opinion of poster.
Location
Orlando, Florida
Service
Usaa Auto Insurance
New Reviewer

More then doubled my life insurance premium

My USAA term life insurance policy is made up of both a level premium/level benifit portion of from 10 to 20 years as selected by the insured and a variable premium/decreasing benifit portion lasting until either the policy has been in effect 50 years or the insured's 90th birthday. After paying in for 13 of the selected 15 years of the level premium/level benifits portion, I checked with USAA regarding any requirements for contnuing into decreasing benifits portion and was informed that premiums for the decreasing benifit portion of that policy were scheduled to more that double over what had been advertised as the planned rate.
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1 comment
#436150

An annual renewable increases in premium each year and at a certain point decreases in death benefit because cost of insurance goes up as you get older. Never get a policy or maintain one that does not have a level DB/level premium.

As a matter of fact, term policies in general are junk and that is where the insurance companies get their money because only 2% of term policies are ever paid. ULIFE and Whole life are the best options, especially for younger people.

ID
#255403 Review #255403 is a subjective opinion of poster.
Location
Monterey, California
Loss
$250
USAA is the best bank I have EVER dealt with! They are always there when we need them. We have our two cars insured with them, our Homeowners insurance with them, and previously our renters insurance with them as well as Valued Personal Property (jewels). I COULD...
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8 comments
#435295

I love them, too. They wouldn't approve our current mortgage and now we are underwater!

I wish we would have listened to them.

Banking, insurance claims, everything has gone smoothly with them for the last 10 years.

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ID
#254253 Review #254253 is a subjective opinion of poster.
Location
Tyler, Texas
New Reviewer

Does USAA want to receive NO money as second lien holders on California Short Sales?

Does USAA want to receive NO compensation when they are second lien holders on short sales in the state of California? With the passage of SB 458 on 7/15/2011 they can no longer require additional compensation by the homeowner to participate in a short sale. I have an approval from the 1st lien holder that is quickly expiring, and a verbal approval from USAA on the 2nd. They claim they don't have an approved letter from their legal department to issue. Not only is my patience wearing thin, but also my time. How can I illicit a faster response from them? They are cutting their nose off despite their face as they'll get nothing if the property is foreclosed upon.
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ID
#253543 Review #253543 is a subjective opinion of poster.
Location
Antioch, California
Service
Usaa Claim
New Reviewer

USAA General Indemnity Company

USAA, 9800 Fredericksburg Road, San Antonio, Texas 78288 I called this company 1-80*-531-**** on October 18, 2010 for a homeowners quote. The agent quoted me $666 for a $145,000 coverage. I advised his quote was "outrageous" and hung up. I was sent a policy stating coverage from October 18, 2010 to October 18, 2011 on December 18, 2010. I filed a written complaint with the NM Fraud Bureau and USAA on December 18, 2010. I received an apology from USAA on December 27, 2010 advising the "agent" made a mistake. This agent committed fraud. A third degree felony punishable by 6 years in prison. No action was taken against this fraudulent agent by USAA in Texas. On October 23, 2010 I paid $345 from my escrow account for a $180,000 dwelling.
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ID
#253482 Review #253482 is a subjective opinion of poster.
Location
Albuquerque, New Mexico
Service
Usaa Homeowners Insurance
New Reviewer

USAA screwed a retired Airborne Ranger

I retired in 96 and joined USAA 2 years later. Three years after that they cancelled my policy because I did not join within one year after retirement. Watching these USAA commercials on TV *** me off because extended family members of veterans are allowed to join. I shed blood for this country. 22 years of honorable dedicated service AND I AM DENIED MEMBERSHIP!!!!!! I don't know how this company can maintain it's integrity. I am sure that I am not the only one. How do I go about exposing this ***. Every time I see their commercial. They shun veterans
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3 comments
#432855

The usaa employees turned in requests constantly to open membership to all military regardless of when they served because we need to recognize them all.general robles worked hard and was able to get membership opened to all honorably discharged, retired and current military. Usaa maintains its integrity.

#345547

:(

#337416

USAA is back under the leadership of General Robles. In his short tenure of the past 4 years he has worked to open the membership back up to ALL men and women that served there country honorably.

I'm sorry for your experience of the past, but please trust in the fact that every minute of every day every employee at USAA is thinking about and feels privileged to serve those that have served.

180********

I like you wondered and stated for years that the membership needed to open itself up. We finally won that day last year.

I understand if why you may not wish to try them again, but please know that there is no other financial institution in the world that holds more reverence for those that are and that have served than this company.

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ID
#252302 Review #252302 is a subjective opinion of poster.
Location
Austin, Texas
New Reviewer

Rent a car

My daugther got in a car accident on the 21st of july and the car insurance adjuster came out on the 25th of july and the car went to the shop on the 26th but the rent a car was taken back on the 29th how do. Single mother get her child from day care if she was hit by the other party I did 21 years of sevice and I don't understand she should the car until hers was fixed as soldier this is unacceptable to me now we have figure out how to get her from work
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2 comments
#334665

My God! First of all, pa-leeeeze proofread your posting before you send it!

#332789

First, did you have the rental reimbursement coverage? Second, talk to the father.

Options...she has a kid and now it is your problem. Not a complaint, just whining.

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ID
#252299 Review #252299 is a subjective opinion of poster.
Location
Farmington, Michigan

Rejected 3 days before scheduled closing after spending 3K

USAA has the worst mortgage department and has lost all of their goodwill from a 40 year USAA member. You must complain to the people you wish to complain about. Just try to complain and reach friendly CEO Joe. Does he know what horrible way members are treated? Does he know that it is impossible to switch processors? Does he know that they loose paperwork, emails and refuse to return calls? Does he know that after spending $3,000. that they required for the loan that they rejected the loan due to debt to income and lied about it? Buyer Beware and Runaway from this sham-- veterans deserve better treatment.
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4 comments
#359202

Feel your pain because we are in deep pain, our pre approval load was rejected on the day after USAA scheduled close date after we spent $5k. USAA mortgage services, it is a juck, provided all documents for our PRE APPROVAL loan 6 weeks before scheduled close date, we were told the underwriter was reviewing our documents and no problems on our qulification, but suddenly on the scheduled close date, asked us to provide same documents, less 4 hours later, told us the loan had been denied due to too much business revenue increase, what? because our business is growing, so we were not qualified the loan, is this a joke?, left messages, no calling back, emails, no returns, complain to CEO member relationship team,another a juck, a group of computerlized human trash, and a group of liers.

#350875

USAA tried to screw us over too, 5 days before closing!! They told us we were denied due to debt?income ratio and it was a lie!

Processor didnt know what he was doing, was caught in a million lies, then just quit returning phone calls to us altogether...

we withdrew our application from Usaa and went through Garrison Foster at VAmortgagecenter.com He was awesome!! Saved the deal that USAA almost ruined and closed our loan in record time!!

#337856

We have been trying to get a loan through USAA since May of this year. Now, they finally declined our loan 8 days before closing, because our "home owners insurance policy quote was more than initally quoted".

We only gave them one quote, and it was 2 weeks ago! Now, all of a sudden, its a problem that we were not able to even try to resolve-they just denied it!

#337721

Samething just happened to me the DAY OF closing.

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ID
#251912 Review #251912 is a subjective opinion of poster.
Location
Hartford City, Indiana
Service
Usaa Loan