USAA Reviews

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Illegal collection of fraudulent debt

Years ago I had USAA insurance and an ex used the info and my social security number to open 2 credit cards. USAA didn't even verify to me wqith an email, just issued them... Their fraud dept did an investigation and supported a criminal complaint I filed. When the District Atty decided SHE didn't want to get involved, USAA decided to reverse their stance and come after me...even though they had provided the records for fraud... I took her through the courts and finally had her pay the accounts in full, but USAA, after cashing the check, is uninterested in taking the smear off my credit record... I'm a lawyer. They'll have 1 last chance, after which this lawyer will sue!!
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ID
#248179 Review #248179 is a subjective opinion of poster.
Location
Denver, Colorado
New Reviewer

A very valuable tip for resolutions for claims

I also was hit from behind by a USAA insured driver on 05/29/2011 and upon making claim was given a settlement of "Total Loss". I was not happy with this offer and wanted a resolution. They told me they could give me a rental for only 1 day @ $30.00. They never returned my calls or mailed a form of settlement amount offered etc... and this was daily calls. A Customer, of ours, is an Insurance Agent, and he suggested I call back and speak with the Loss Dept., but to begin the conversation with this quote "To Make Myself Whole I will require the following resolutions etc..". I took his advice and called the Loss Dept of USAA and began with " To Make Myself Whole" and it was amazing. They upped my settlement amt. and issued me a $300.00 check today and will be delived by Fedex within 2 days for "Loss of Use Payment" with my decision pending on Revised Settlement as of 07/05/2011. It was amazing. Therefore by using the following quote " To Make Myself Whole" I was able to increase my settlement price and got an additional check above and beyond for "Loss of Use Payment". They will pay this immediantly without settlement resolved, doesn't matter if vehicle is drivable or not. So when your dispute a claim, remember this quote "To Make Myself Whole". You will be amazed and bypass all the BS!!!!!!!
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ID
#247107 Review #247107 is a subjective opinion of poster.
Location
Frisco, Texas
Service
Usaa Claim
Loss
$3315

Low ball home repair cost estimate from tornado

I am a 44 year member. I have filed only one claim in that entire time for a car that was damaged by uninsured, unregistered, unemployed, and unlicensed drunks. Recently a tornado dropped two 6-7000 pound trees onto my house. Holes were put in the roof. Rafter beams were broken. Major cracks in three walls. The roof on both sides of the house is obviously caved in by as much as a ince to two inches. Major damage in several places to the sills. Every ceiling in the house has cracks, some up to a half inch wide and running up walls for 3-4 feet and across the ceiling for 10 feet. Cracks have started spreading from a major weight bearing wall along the wall where it joins others. This company is saying that all of this can be repaired for $37,000! The cheapest estimate that handymen with I hope a license have given in almost $80,000. My Registered Public Adjuster tells me that in over 30 years of experience, this is the worst company he has had experience with. If you think the low rates and smiles when you call them are good. Do as I have the last couple of days. Go on line and see what members who have had to submitt major house repair claims are saying. Unless it has been leveled, be prepared to pay for those low rates. This company has changed in the last 10 years and is no longer the USAA we knew. You should think about changing your insurance company.
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ID
#246658 Review #246658 is a subjective opinion of poster.
Location
Boston, Massachusetts
Service
Usaa Claim
New Reviewer

Horrible Mortgage Service

Absolutely horrible Mortgage Service. I have been a member for over 10 years for various insurance and banking services. However, my experience with the mortgage dept. Is one of ineptness, lack of any professionalism, or response to client services. I am 2 days past closing & not even near underwriting after my family and I drove across 4 states when our processor told us 3 days before closing "everything is on schedule." This processor does not return calls and neither does her manager or supervisor. Neither individual responds to client services to respond to a call or return messages. I am now dealing directly with executive resolution services without any change in the mortgage processor or supervisors attitude. These two still do not return my realtor's or my calls & e-mails after executive resolution services asks them to. Do not use their MORTGAGE SERVICE unless you hate yourself and don't mind throwing your money and time out the window.
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6 comments
#489679

They act like they are doing you some kind of favor for doing business with you. I was never a day late on any of my payments but they wouldn't let me refi because I am 15% underwater. I wish I was the kind of person to walk away from my loan just to screw them.

#460865

We've been working on a VA Streamline loan. It is now 3 business days away from closing.

We have made multiple phone calls & emails for several weeks now regarding erroneous fees on the streamline loan. We have not heard back from out mortgage processor via phone nor email regarding our specific concerns.

This is more than frustrating! Looks like we won't be signing paperwork at closing as planned!

#353089

This is still an ongoing problem and it is now October and I am in the same boat as all of you are. The movers advantage is just the opposite.

A huge disadvantage. I have come to feel that USAA is piggy backing on the backs of military members creating them to think they are part of some special fraternity of a bank with USAA and that they can do better than anyone out there. It is not true. Military members: Just know there are other options out there and do not assume that USAA will take care of everything, they are usually more expensive on all insurance as well and twice the hassle to deal with.

I have been a member for over ten years and have seen and felt the change with them towards customers. It is quite sad.

#321249

I had a purchase contract on the 11 April and a closing date of 27 May. After sending the same paperwork multiple times, I got fustrated and change lenders 8 days before closing.

Shawna Bywater from Ifreedom direct closed my loan on the 27th as scheduled.

I believe my loan processer at USAA was very professional but overwhelmed. Everyone's situation is a different but a good loan officer makes a BIG difference to your wallet and peace of mind.

#315653

we are now past closing.no return calls from USAA. only requests for info we already submitted. we will be yanking our accounts from them.

#315335

Ditto what Don C said. 4 days past closing with no idea what is going on.

Phone calls and emails aren't returned.

Talking with supervisor and changing processors didn't help at all. DO NOT use USAA unless you want lots of headaches - lots!

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ID
#246628 Review #246628 is a subjective opinion of poster.
Location
Bethesda, Maryland
Service
Usaa Mortgage
New Reviewer

USAA Mortgage Services -- Never Again

I have had mortgages with Citibank, Bank of America, Wells Fargo and Countrywide. This is my third home purchase and I have excellent credit. USAA is 100x worse than any of them. The employees take at least a full day to get back to you, if not longer. We got handed around from loan officer to loan officer with each one basically starting from scratch. We sent in over 100 documents, only to have more and more documents requested. We gave them 60 days from application to closing only to finally get approved 3 days before closing. The best part is then after getting "approved" and receiving "congratulations" emails, they decided to retract that approval TODAY, when our closing is tomorrow. They were very, very rude on the phone -- basically screaming at us to try to defend their actions. They should be acting as our advocates, not our adversaries. They requested our home inspection today, then said all these items need to be fixed before closing (tomorrow). That is utterly ridiculous. The appraisal went great, so we're baffled as to why this last minute impossible request. I doubt anyone there has ever bought a home or maintained a home. Their lack of professionalism is very apparent, and their incompetence shows when they continually ask for more and more documents rather than ask for everything early on. Despite giving them 60 days, I believe they waited until the last 14 to actually process this. They don't show any compassion, nor do they treat us like valued customers. In fact they hardly treat us like humans (more like a purchase order). I've been a longtime satisfied member but I will be dropping all my credit cards, my 4 bank accounts, my home insurance and my car insurance from them. It's sad because it was great for a long time. My attorney, real estate agent, and financial adviser have never seen anything like this before. Once I sort out our new home purchase, I am writing a letter to 4 USAA Presidents (of the areas that I feel should be watching this type of action) and attaching the names of all the unprofessional people.
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ID
#246100 Review #246100 is a subjective opinion of poster.
Location
Chicago, Illinois
New Reviewer
i was with usaa for three and a half yrs with my auto policy. then i bought a home in april and after 3 days in my home my sewer lines had frozen and my water softner turned on to filter itself, couseing water to flood my down staires with black water the next day i...
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23 comments
#432866

Just like any company usaa won't always beat someone else's rate. Thats why we get "quotes" from multiple companies.

But my home flooded and usaa had it completely taken care of in 2 wks.

sorry you had problems. Couldn't say what the issue was there but they've always worked out great for me and I recruit people to them regularly.

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ID
#245746 Review #245746 is a subjective opinion of poster.
Location
Boston, Massachusetts
Service
Usaa Auto Insurance
Loss
$7
After 23 years with USAA we received a notice stating they were dropping our homeowners coverage because of too many claims. We have never filed a claim but called with questions about our roofover those 23 years.That apparently is logged as a claim. No one ever...
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15 comments
#1796924

This years SSA was BS one of the highest amounts I have seen in a long while but instead of it being a default like all years prior saying check it says to put towards ins. HMM I don't know about ya'll but its awfully fishy to me because they are not losing any money if it goes to your ins.

but if it goes to your pocket its a loss for them. I called and asked why my money was put into my ins instead of my account they told me because I changed it on MY online account and I'm not the service member mine didn't count. So why in thee *** do you have it on my account to do it?

So that was a 776.00 check I missed because I changed it on the WRONG account. BS just total BS.

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ID
#244786 Review #244786 is a subjective opinion of poster.
Location
Coral Springs, Florida
Service
Usaa Claim
I just got the letter denying me coverage for life insurance based upon my diagnosis of PTSD. So here we have a organization that proclaims it supports the military, its roots are founded in the military and its membership is pre...dominately military. HELLOOOOO, what...
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24 comments
#1346144

So how does a veteran with disabilities and PTSD get whole life insurance. Has anyone found a company that will allow coverage.

USAA let me down. They didn't even have the decency to call and explain why I was denied. I received a message saying a decision has made, and I would receive more information in 7 to 10 business days. I wish I would gotten life insurance when I was younger.

My parents told me I already had coverage and didn't need to apply. Three years ago they cancelled my plan and didn't tell me until a few months ago.

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ID
#244515 Review #244515 is a subjective opinion of poster.
Location
Lake Stevens, Washington
New Reviewer

Their Mistake Costing Me!!!

I have had USAA insurance for over 8 years and when we moved from PA to FL back in March naturally we called in February to obtain a quote while preparing for our move. We were told the premium would increase due to Florida's high claim rate, okay so we weren't happy about it but oh well we made arrangements with USAA to start the new Florida policy on March 15th. The agent decided to go ahead and start the FL policy the day we go the quote which resulted in PA suspending our vehicle registration because we did not have PA insurance. Well, of course USAA said they would resolve the issue and did NOT. We ended up having to resolve the issue ourselves and at our own expense due to their mistake. In addition to this we now have to pay the state of FL an extra $110 per vehicle because we could not register our vehicles within the first 30 days after moving here.. all because USAA screwed up. After this we decided to switch insurance companies when we found out that USAA is reporting that we have had 15 coverage lapses within 3 months. We have ALWAYS had coverage and they are incorrectly reporting so now we are basically at their mercy until they decide to fix it. After 119, yes 119, phone calls and over 40 hours on the phone with "customer service". The issue still has NOT been resolved. To add insult to injury USAA has now screwed up the billing and wants us to pay for 6 months of premiums in 3 months which is about $500 a month, even though we have our payments automatically withdrawn each month and a payment has never been missed. They cannot find where the payments went, even after I sent them proof of the withdrawals by USAA. We are literally being held captive by USAA as their reporting mistakes have made it impossible for us to get accurate quotes. Even a letter of experience isn't enough since the errors are so great. Now we are being forced to resort to legal avenues thus costing us even more. Thanks again to USAA for screwing over another veteran and his family!
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ID
#243076 Review #243076 is a subjective opinion of poster.
Location
Brandon, Florida

USAA Mortgage

I thought USAA would be the perfect company to do business with, I was so wrong. I don't know how or why but USAA delays processing of loans. Their senior loan processor, Roger Guzman, avoids phone calls and emails.Roger's supervisor is Heather Thomas and for some reason the USAA team can not produce a valid GFE. I have gone through 4 GFE, all with purchase price either too high or too low. To make matters worse they calculate taxes incorrectly and do not recognize sellers contributions on their GFE. As a first time home buyer, closing cost is a majar factor. I plan on writing a letter of complaint to someone who can resolve my questions. However, I cannot find a name, number or address for that person. My realtor also plans on writing a complaint. I am extremely saddened by their business practice! Please veterans, do not use USAA for a home loan! God Bless America!!
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2 comments
#375496

I have had the EXACT same issue also. When I showed my husband the first post, he thought I had written it.

It's disappointing how unprofessional USAA is.

We will be closing all of our accounts with them as soon as possible.

You wouldn't think they would be so horrible, but they are. The reviews are true and need to be heeded!

#315222

Had the same issued. I ended in transferring the loan to a new lender.

I am really disappointed with the USAA Mortgage Department. I never had issues with them before.

Well they lost me as a valued customer, at least in the mortgage department. Lesson learned, next time read reviews before starting anything.

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ID
#242625 Review #242625 is a subjective opinion of poster.
Location
Houston, Texas
Service
Usaa Loan
New Reviewer

USAA San Antonio is a "Front" Business

USAA is not a legitimate insurance company. They have the worst customer service of any insurance company that I've ever dealt with. Tried to make a claim and they lied the whole time. Changing their reasons for the rejection. Also they are impersonal they don't have manners. They say one thing and then do another. Please avoid them at all costs!!! "Worst company" is an understatement. Congress should do an inquiry of them for corporate negligence. And they should be reported to the insurance commission for fraud. Anyone out there involved in a class action against this company I'm on board! GEEEEEZ!
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11 comments
#464454

Typically, it is those folks who are dishonest or unreasonable that are unsatisfied with their services. Usaa is a good company to be insured by but make no mistake, if they have reason to believe someone is being fraudulent or dishonest , chances are that the person will not be happy whether insured by them or not.

#432879

And also, they are not a fraud insurance. They are a top rated company.

you can't say they are not a legitimate insurance without pure facts and conviction.

Saying they aren't legitimate is strictly your opinion not a proven fact. any claim I ever made was taken care if immediately

#432876

I like that the people making compliments are being belittled by the complainers. I'm sorry if you've had a bad experience.

Thats not to the fault of the compliments so the "good for you" comments aren't necessary. I can't say ive ever had a problem with the insurance or banking as well. If you're having such a problem then take it up a level instead of belittling people on here.

It doesn't get taken care of if you just complain instead of going up the chain of command. And from the posts I've seen on here, usaa offered to rectify your situation so i don't think thats too bad of a company.

#423037

WOW this is one time I CAN actually disagree with the post. My family and extended family have served in the Military in one branch or the other.

USAA has been great and the contractors have also. Due to a bad run of luck over the last three years we have filed 4 claims on our home owners policy. The Customer Service was wonderful.

The issues were taken care of and fixed within reasonable timelines and done correctly. The only problem I have is after the raccoon dug through the roof they stripped that part of coverage from our policy stating they were doing that to ALL their policies.

#332792

It is great for you top two complainers. You give nothing substantial.

I recently made a claim with them. They assigned an agent by name and she handled the entire case...excellently.

If you do the random call to whomever, you may not get the exact info because you are not speaking to your agent. Other than that, you say congressional inquiry or class action lawsuit...do it or stop ***.

#319600

Its a shame that people can't comment about their experience without people criticizing them for joining an insurance company that they believed in. If you had a great experience with them, "Well Great FOR YOU!!' Everyone has not shared in your "Elation." I for one suffered at the hands of this company after I went the cheapest route to save the company cost.

I have an asthmatic child, force to live in a home containing mildew because "your favorite insurance" company, gave me grief about moneys for hotel stays. Yes dear its all in my plan of coverage that I'm entitled to. Now if something else happens to my child, they are held liable.

I have no family here, my husband is out to see, school starts in wks, so don't give me the bs saying that we are *** Its "Grown People" who listen to others opinions without addind insult to injury. You just pray that you keep having your great experiences and the shoe never gets placed on your feet.

#308372

Ive had my insurance policy for 30YRS and every thing that USAA has promised me on my policy and also the insurance claims that i have filed are correct and handled just like they said.

#298791

I have had USAA for almost 40 years now and cannot think of a better company, bar none. The disgruntled *** on this site do not have a leg to stand on when they criticize USAA......

#297026

It appears that you had a less than satisfactory experience with your recent claim. We would like the opportunity to review this matter further, if you’ll let us.

If possible, please forward a summary of the situation, along with your USAA number, to us at socialmedia@***.com. We look forward to hearing from you.

#296714

You would only "express sixth larget if you worked for them.. you are a robot *** :upset

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ID
#242223 Review #242223 is a subjective opinion of poster.
Location
Mckeesport, Pennsylvania
Loss
$1500
I am an ex-military member and was in the first gulf war, and seeing ads in my American Legion magazine and on the TV I thought I would check you out, and found out that your insurance on my 2006 ford f-150 was $148.00 more every 6 months than State Farm and you would...
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9 comments
#613697

Number one do not over extend youself and You will not have this problem.In other word's stay within your mean's and When and If something like this ever occur's you will be able to pay your bill's.Their is alway's a chance of one or the other getting ill or Lose their job.Their is no one to blame but yourself for your problem's.This is not a MILITARY problem,This is a common problem.

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ID
#242110 Review #242110 is a subjective opinion of poster.
Location
Tacoma, Washington

Car total by your client over month later promise of paper work still not sent to me

car hit by your client totaled my car on april 27 2011. its now june 2, 2011 my bank has not been paid off plus my remaining money has not been sent to me. Been told 3 different times we sent a fed-x to me for next day delivery. Also told me 3 different times bank has been paid off. Not Its been over a month. Why the lies. I didnt even get rental car, and I should have. Just all I ask is send paper for me to have notarized to release my $ 3,100 I got coming to me. Stop lying.
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ID
#240853 Review #240853 is a subjective opinion of poster.
Location
Vienna, Ohio
New Reviewer

USAA stole $1000,00 from me

I have contacted USAA about a $1,000.00 deductible that they are claiming I owe. I paid it, I have file several disputes, and they still won't give me my money back. The USAA representative lie to me, they missed inform me and they are holding me liable for lies their own employees told me. Another agent opened two claims for me, when it should have been only one, also, he said I was only going to be charge for one claim after he opened two, he said it was going to be only $500.00 that was a lie too. Now they are charging me $1,000.00. I have talked to many supervisors and managers and they all escalate my case. Which are lies too, because they don't even review my case, they just assume. They don't care about the misrepresentation and the lies their employees told me, they just want me to pay for their mistakes. I asked them to review the conversations I have had with their emplo9yees, but guess what? Now they tell me that those conversations were never recorded ((conveniently for them). I am sick of their lies. I am not responsible for $1,000.00 deductible, my deductible should be $50.00.
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ID
#240713 Review #240713 is a subjective opinion of poster.
Location
Richardson, Texas
Service
Usaa Claim
New Reviewer
We're members almost 30 years. We have excellent credit, very high income, we are insured through USAA, have our home mortgage through USAA, and do banking/investing with USAA. Can you say "loyal customer?" Sadly, obtaining a mortgage for investment property through...
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2 comments
#291299

Don't feel too special i refinanced my home through them and not only was it a nightmare during the process with the loan person going on vacation during the process and then coming back without a clue asking for information that was sitting in front of her but a year later they raised my mortgage payment more than $500/mo saying they "forgot" about insurance and taxes which they had paid six months earlier. I was in the middle of a divorce after returning from desert deployment and had a time deadline or i would have stopped the process when i first saw problems.

I needed some extra cash and was extremely particular too keep my payments within my means and they caused me to eventually go into forclosure without ever admitting they did anything wrong. There is much more including how they offered $1,000 for uninsured motorist when my son was hit by a drunk.

I had $75,000 stacked coverage at the time. I stay with them only because i'm stuck with them.

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ID
#239554 Review #239554 is a subjective opinion of poster.
Location
Rochester, New York
Service
Usaa Loan Officer