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We live in Alabama. After the recent tornado's we asked that our roof be assessed for damage and we filed a claim for food spoilage. This week we received a notice that our policy was being cancelled. We've been with them for 13 years and in that time filed 2...
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2 comments
#360697

DROPPED like a hot potato!!! After 16 years with USAA - Homeowner insurance canceled.

Filed two claims in 16 years: in 2010 ($5K water damage) and 2011 ($1500 wall oven electrical fire).

Service in other departments also getting worse!!! Investment products are the worst!!!

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ID
#239010 Review #239010 is a subjective opinion of poster.
Location
Pensacola, Florida
Service
Usaa Homeowners Insurance
New Reviewer

USAA Barn Roof Claim

My barn roof collapsed due to heavy snow. USAA assessed the damage and paid half of the assessed amount. Normal. I was having a hard time finding a contractor to build another barn so I called USAA and asked them how long do I have to build it and claim the remaining amount. They said there is no time limit. I found a contractor, got an estimate and was already to go so I called to confirm we were okay. They said I had 180 days and could extend it to 365 with a written request. NEVER sent a letter, email, nothing. But they can fill my mailbox with junk every week. Oh, I posted this to their "members stories" area on their site. Never was posted. But every one there is "oh USAA is my life." Get a life! Hey, USAA my name is Jeff C in Ohio!
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ID
#237305 Review #237305 is a subjective opinion of poster.
Location
Lexington, South Carolina
Service
Usaa Claim

USAA refused to provide rental until car replaced

My daughter's two week old SUV was recently totaled as a result of a USAA insured driver running a stop sign. (Mind you, the USAA-insured driver drives a schoolbus for a living, and completely ignored a stop sign.) Their driver admitted fault, the police confirmed, and we should have been entitled to a rental car immediately. USAA forced us to wait 5 days to get the rental, until they had spoken to their insured. Mind you, their insured filed a claim with USAA within a day and a half of the accident. But they wanted to "hear her side" before issuing us the rental. Got the rental, week or so later USAA called to confirm that our vehicle is totalled. Had to work with daughter's out-of-state father on the claim. Long story short, they were demanding we return the rental car within 3 days of them declaring our car totaled. Mind you, her dad had not yet received paperwork from USAA to even begin the process of getting paid for our lost vehicle. We called USAA, and because they withheld the rental initially those 5 days, they added 5 days to the rental. At the end of that period, we still had no insurance check with which to buy a replacement car. Called and spoke up the management chain of command, and were flatly refused the additional 3 days of rental usage until we received the check. My daughter had no way to get to school or work. Shame on you, USAA. Your policies are not acceptable and your management staff totally unprofessional in handling this matter. You should be embarrassed.
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ID
#236990 Review #236990 is a subjective opinion of poster.
Location
Virginia Beach, Virginia
Service
Usaa Claim
New Reviewer

USAA Insurance

Shame on USAA. I have insured everything I have through USAA for over 11 years. I also do banking and credit cards with them. During the April 27-28 tornado storms that hit the south, we had big hail damage to our roof, cars, siding, lawn, vegetable gardens, and the basement flooded. Knowing we had no flood insurance since nothing this serious ever happened in our area, we were planning on spending thousands to fix that out of our own pocket. Knowing we had hail insurance, we depended on that to fix the roof and the siding, the leaking chimney, etc. Well, USAA told us we had to come up with $13,500 deductible, since they changed the deductible after Katrina. Shocked, I called them and they pointed the new deductible out on the policy, which I don't look at. We usually make the changes over the phone, they send us the policy, and we file it away. Apparently USAA changed its own policy and claimed they sent us a notice in the mail. I never saw the notice. They changed the deductible to 2% of the policy coverage, or otherwise the value of the house. As if we had $13,500 just waiting around for us to spend. All these years, we are paying thousands in insurance premiums, and when we needed them, they were not there. If I had only known, I would have either changed the policy or the company. What a shameful act from a company that claims to care about its 'military' customers. USAA, listen to me carefully: I am pulling everything from you, closing all my accounts with you, and to *** with your new policies. Renee Jackson, Tennessee
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4 comments
#472420

Need to find someone in or around Brownsville, Texas.

A attorney / someone to help me fight USSA home / fire damaged claim.

Thanks

#312688

We are going through the same situation! We're a "valued" customer of 13 years and filed a claim, learning that our deductible was changed to 2%. I'm glad as a "valued" customer that they do what's better for them and place all the financial hardship on the customer.

#288901

I received a letter today from USAA stating that they are canceling my homeowners policy. I've had three claims in the past three years.

Two were weather related and the other, water damange due to an air conditioner. The most recent claim was due to the April tornado damage in Alabama. I'm surprised and disappointed. I've paid my premiums on time and have an excellent credit rating.

My cars are also insured with USAA.we've been good customers for several years.

I don't know whether to talk to them and see if they will reconsider or start looking for a new agency. Any advice?

#280982

"the policy, which I don't look at"

Totally your fault.

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ID
#234865 Review #234865 is a subjective opinion of poster.
Location
Ball Ground, Georgia

Usaa, messed me up on banking with them.

i had banking with usaa and had an car loan also there, about 5 years ago. so i traded cars at dealer, usaa call me and said the title wasnt clear. i told the lady she needed to call dealer, were i had got my new car. it wasnt my trouble it was theres. so the next week my check from my work was on direct dep. my check goes in and i had 0 in bank, this goes on week after week with me not even writing an check on account. after 7 weeks of this, with my check going in and 1700.00 lost i closed my account.by it took me 3 months to get it closed out. i took this to my e-7 , i was in service for 20 yrs, but they done me in. i still think it was over the interest they lost on my car trade. it was to the pennie the interest on the car i had financed with them. no joke. i closed checking account finally, they didnt what to close it. just kept trying to screw me. the army couldnt help me at all. what they done was bounce the checks before money when in bank. saying i done it. no carloans or checking here
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2 comments
#278187

Agree with first commenter, this post doesn't make sense and jumps around terribly without cohesion. Also, since this person was in 20 years that would put them around 37 years old at least and this is the best they could come up with?

Poor grammar, spelling, flow' everything.

Also, it's *** to say that USAA took $1700 from your account over "thhe interest they lost on your car.". It's fine to be upset about a company, but please don't slander them without actual evidence of wrong doing, just what you "still think" happened.

#277990

This review makes no sense. You can't sell a car without clear title.

The lender does not take a loss on a car trade unless the borrower cheated them. Learn some basic grammar and then rewrite the review.

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ID
#233789 Review #233789 is a subjective opinion of poster.
Location
Atlanta, Georgia
Service
Usaa Banking Service
New Reviewer
Update by user Jun 02, 2011

*Update* -I submitted the same review as below to the USAA website when I wrote this one. The USAA member to member team contacted me and said they would review my complaints.

They found that the mortgage was delayed and it was not my fault. I was refunded the extra...

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3 comments
#428288

I am a current USAA mortgage processor for both the VA and conventional lines of business. I am the first to admit that all the negative comments about the USAA mortgage process and processors are, sadly, correct.

For starters, my co workers were recruited from largely from day labor agencies- that's right, your "loan representative" may have been laying brick or drywalling one day and next day that person is "processing" your mortgage!! Also, we (yeah I admit, I take part in this) make key documents "disappear" if we were having a bad day. For example, a purchase contract or an appraisal can disappear EVEN if you, the applicant keep sending in documents :-) Additionally, voicemails get deleted without getting heard, and emails too (from you, our member). This happens because we resent having the weight of the world on our shoulders while the team leads and Underwriters do almost nothing!! I have caused many closings not to happen- especially purchases when we have the authority to delete entire loan files!

Also, because we are the point-of-contact with the appraiser, title companies, etc., we routinely ask the appraisers to "low ball" the appraisal so the deal falls through. Now, before you start getting all mad at me, please consider the following: If a loan is denied for low appraisal, it is AWESOME because that file falls off our caseload. If the appraisal does come in where we need it to, then it creates a MASSIVE amount of work for us!! It SUXXXX!!

USAA mortgage does not provide us with training and we largely "make it up" as we go along. We do not try to create a bad member experience; however, due to the fact our caseloads aAre so heavy, we do anything possible to "kill" a deal. It sounds horrible, but afterall what would you do if you were one of us?? We don't earn barely above minimum wage and we are 100% "contracted" labor. In other words, we are "temps" and we have no benefits and are expendable!

Make up your own mind if you want to deal with USAA Mortgage- you now have all the facts!!

Melissa K

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ID
#231466 Review #231466 is a subjective opinion of poster.
Location
Las Vegas, Nevada
Service
Usaa Refinance
New Reviewer

USAA Refinance: Bombs Again!

When will we learn?! This is our second mortgage with USAA; all aspects have been beyond painful with pitiful customer service. We are attempting to refinance our home and just received word that our appraisal was grossly undervalued. The kid that completed the appraisal was in our home less than 7 minutes!!! During his "thorough" inspection of our three year old home he undervalued it more than $30 a square foot (compared to other comps in the neighborhood) resulting in our disqualification for the refinance. I can't wait to get a copy of the report to see what comps he used.All the homes on our block are of the same builder, same features, energy star certified and our home is one of the larger homes on the block. Here's hoping they have an appeal process, couldn't find anything on line, of course.
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2 comments
#617313

I've been sold out by USAA. I left GMAC to refinance with USAA and come to find out GMAC after refinance along with Fannae Mae

where my new mortgage holder.

Now ! GMAC is going thru bankruptcy and my mortgage has been sold AGAIN.

AND WHATS WORST IS USAA DOESN'T EVEN SERVICE MY MORTGAGE.Can't get access to my mortgage thru USAA. I have posted to the USAA web site in the past and they have sensored my post because I mentioned GMAC.

#298626

My experience with usaa refi was similar to the above. The guy came to the house and immediately began bragging how the bank hate him because he always comes in with low figure.

Sure enough he did. I mentioned this to usaa, and they gave the old life is tough allover.

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ID
#231074 Review #231074 is a subjective opinion of poster.
Location
Buffalo, New York
Service
Usaa Refinance

I feel reamed by USAA

I don't know what happened to USAA. We have been with them for all services, insurance, banking, and mortgage for over 20 years. We just had the worst experience of our lives with them. We are buying a vacation home, have excellent credit, funds, and complied with all they asked for. Our closing date came and went. We called and emailed the various people that our package was passed to many times daily. Each time, another piece of paper was requested. We faxed, re-faxed, and emailed the same information over and over. Still they told us the underwriter needed another item. I don't think anyone actually bothered to look at the information we had sent. I tried calling to complain and would get voicemail and no call back. I had always been fond of USAA in the past, but they have changed. I told my husband to fire them and we are now working with a private mortgage broker. At least now I feel I am treated with respect. USAA was inefficient, rude to our lawyer, and seemed downright dumb with poor grammar and spelling in their emails. We will be moving all of our services out of USAA and never recommending them to anyone.
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1 comment
#289892

I hear you.

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 USAA was the first HORRIBLE experience with this company. We were treated impersonally throughout the process (all the loan officer needed to do was look at our history with USAA to know we are not the average customers). The loan officer doled out requests for information every other day or so during escrow (which we dutifully emailed and faxed to her each and every time), even up until the night before signing, she was still requesting proof of taxes and insurance on a property we own outright, unrelated to this transaction! She made an error in transcribing the closing date, so in her mind we had an additional week in escrow.

Not true! This led to alot of scrambling just days before the true closing date. Throughout escrow, she would come up with random requests for clarification and substantiation of down payment money. Such an impersonal, unprofessional approach, making us feel like huge credit risks!

All she had to do was use her brain and see that we have 3 times the amount of closing costs in our checking account, yet she wanted to source each and every deposit into that account! What an insult.

I could go on and on, but to summarize, I will NEVER use USAA for a mortgage again. I am even considering terminating our entire (massive) financial relationship with USAA as a result of this humiliating experience.

ID
#230669 Review #230669 is a subjective opinion of poster.
Location
Warner Robins, Georgia
Service
Usaa Mortgage
New Reviewer

Got Screwed again by usaa mortgage

I got screwed again!! Shame on me for trusting them again. They lied about the 'pre approval" on our mortgage. I talked to some mexican person that could not speak English (San Antonio call center, what a surprise!) Anyway they are sucking the big one! The mortgage underwriter denied us for no valid reason and would not say why. It makes no sense. They loan counselor (barely speak english) has no knowledge of how this stuff works even! How dare this company uses people that are not competant. Thy suck the big one. Do not ever use USAA MOrtgage Services for anything.
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6 comments
#502894

I agree with all of the comments. I am in the process of trying to close and USAA does not seem to understand how escrow works.

They won't close because they need a paid in full receipt from the insurance that is supposed to be paid by them out of escrow when we close. Talking about a bunch of losers. Everyday they have asked for something new and telling me that is all I need it is with the underwriters for final review. And when I do the leg work to find the documents I find that the USAA processor had them in his email all along.

I have been a member of USAA since 1985 and the service has gone way down hill. I recently moved all of my vehicle insurance from USAA to All State as well.

#496990

Ditto the above. LOVE usaa for banking and insurance, mortgage was a nightmare. Any contact names in USAA management?

#429840

I am a current USAA mortgage processor for both the VA and conventional lines of business. I am the first to admit that all the negative comments about the USAA mortgage process and processors are, sadly, correct.

For starters, my co workers were recruited from largely from day labor agencies- that's right, your "loan representative" may have been laying brick or drywalling one day and next day that person is "processing" your mortgage!! Also, we (yeah I admit, I take part in this) make key documents "disappear" if we were having a bad day. For example, a purchase contract or an appraisal can disappear EVEN if you, the applicant keep sending in documents :-) Additionally, voicemails get deleted without getting heard, and emails too (from you, our member). This happens because we resent having the weight of the world on our shoulders while the team leads and Underwriters do almost nothing!! I have caused many closings not to happen- especially purchases when we have the authority to delete entire loan files!

Also, because we are the point-of-contact with the appraiser, title companies, etc., we routinely ask the appraisers to "low ball" the appraisal so the deal falls through. Now, before you start getting all mad at me, please consider the following: If a loan is denied for low appraisal, it is AWESOME because that file falls off our caseload. If the appraisal does come in where we need it to, then it creates a MASSIVE amount of work for us!! It SUXXXX!!

USAA mortgage does not provide us with training and we largely "make it up" as we go along. We do not try to create a bad member experience; however, due to the fact our caseloads aAre so heavy, we do anything possible to "kill" a deal. It sounds horrible, but afterall what would you do if you were one of us?? We don't earn barely above minimum wage and we are 100% "contracted" labor. In other words, we are "temps" and we have no benefits and are expendable!

Make up your own mind if you want to deal with USAA Mortgage- you now have all the facts!!

Melissa K

#323627

We are so upset with USAA Mortgage, that even though they are subcontracted out, we are thinking of withdrawing and changing all of our accounts as USAA corporate is responsible for allowing such an unprofessional division to exist. I make 6 digits, my wife makes 6 digits.

We have no credit card balances. We have over $150K equity on an existing mortgage. We were buying a house well below what we qualified for. USAA constantly treated us rudely and we were constantly told to bring better documentation of my future employment - then we would cross our fingers and hope that this was the right "rock".

We began to get worried that we would not make closing date. Finally, we jumped ship. USAA Mortgage put an "Adverse Action Item" in our file stating that they denied us credit!!!???! Not, that we left them.

First, we were shocked, because this was untrue - and this was USAA, even if a subcontractor but still USAA stating something so false. Then, we were angry, we knew it was because we jumped ship and complained to the Better Business Bureau about them that they lied about us. Finally, we knew that this would affect our next application with our new mortgage company - they got us for complaining, screaming, and jumping. However, our Better Business Bureau will be pursued.

As much headache as we are going through now, we will post on as many blogs as we can while brusing their Better Business Bureau rating. We recommend that all of the posters due the same.

#304519

my husband and I are going through the same situation. It is Saturday and our closing date is in 2 days which is Monday.

we didn't hear any yesterday from the underwriter about getting approved for Monday. We tried calling them millions of times yesterday. They dont answer, so unprofessional. this is making everyone one look bad.

Especially us, it makes us look incompatent. When if it's the banks fault for not communicating with my realtos and lawyer. I should of listened to my realtor from the begining and went with a lender they knew.

For people thats debating what bank to use DO NOT TRUST USAA. It is so sad for me to feel this way because USAA is supposed to help military families out not give them any sort of burden.

#294099

4th Closing date, 3rd processor, getting no where. Sellers about to back out, USAA knows it, but still moving like slugs.

If you are reading this. Trust me, Do not use USAA Mortgage. My realtor told me to go with this bank in town. I said, I would go with USAA, they are good with stuff like this..HAAHAHA..Little did I know, that the mortgage dept.

is totally worthless. A waste of time. I speak from experience. You will regret it when you are weeks past the original closing date.

You need to go somewhere that you can walk into. There are alot of banks that are VA approved lenders. They will have you done in no time. I am on my 4th closing date, sellers want to back out.

Faxes are lost, emails are buried. You know, the email that has the important info they requested one day before closing, and now your closing date has been pushed back, again. You will not be able to get your processor on the phone. You need to use extension 78466, and they will instant message your processor, who will message them back.

HOW??, so, the processor doesn't answer the phone when you just called,even though they are right there. NOPE! Also, they will call at the end of the work day, to give you some info, so that it will have to wait till the next day, so that you can send them the bank statements they lost, for the 3rd time. Hello, check your email.

Its still in your *** email...duhhh! I have chosen to go with a different bank now. The one my realtor told me to use from day one. One that I can walk into, right down the road.

My paperwork, all of it, is currently sitting on the underwriters desk.

All they are waiting for is USAA for the appraisal documents. And its a done deal.

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ID
#230533 Review #230533 is a subjective opinion of poster.
Location
Bellevue, Washington
Service
Usaa Loan
Loss
$234
New Reviewer

US Navy War Vet

I am a US Navy War Vet just got out of the Navy. I found the house I want to buy near my new job, I am staying in a hotel till we close on the house. The VA said they can not close before 2weeks to protect us, that is too long for me and my family to stay in a hotel with a new baby. We heard high recommendations from USAA, when I called they said they could close in a week, of course I went with them. I Had all my paperwork sent to them that day. They changed my loan processor 4 different times each time they lost all my paperwork and I would have to send everything all over again, including calling the builder and title company and having them send their paperwork over again also. We were with them for 2months our last loan processor (Marimar) wouldn't answer the phone or call back till 4:30p their office closes at 4:30p so she would say I'll call you back in 30min and of course she never did. When I would call Customer Service and tell them my problems they would say let me try to track her down, I would be put on hold for about 30min they would come back and say "I'm sorry I can't find her, can I please put you on hold again and call her manager." 2 mins later "I cant get a hold of her either let me try the next manager." 2more manager later and I'm screwed I get to leave a message and not get called back till 4:30p again. This was a daily occurrence. I switched banks on Monday, called USAA at 11a to request the VA appraisal and withdraw my application. I received a call back from Marimar at 4:30p she says she needs it in writing she cant take that over the phone. I wrote it out, scanned it in, and email it within 5 mins, called back and I can not get a hold of anyone. Tue I try calling USAA I still cant reach anyone, I called 3times that day still not being able to reach anyone (Marimar's managers voice mail was full all day). Wed at 4p I receive an email from Marimar requesting the Lender VA ID she said she needs this before she can send us the VA appraisal. I replied back exactly 3 mins later with the ID, and I called her not being able to reach anyone. Now it's Thur, this morning I resent the Lender VA ID still have not been contacted back by USAA. When I called customer service they put me on hold for an hr, then would not transfer me to Marimar since my loan was withdrawn. As the customer service lady was playing middle man between me and Marimar, the customer service representative told me Marimar was about to leave. Marimar left with me still on the phone, she sent no appraisal and I will be doing this all over again tomorrow. This has been a daily occurrence with USAA for the past 2months. I recommend NO ONE EVER Going through USAA because even when you finally change banks they will hold you up as much as they can even at your new bank. My new bank has everything done all they are waiting on is Marimar to send over the VA Appraisal.
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5 comments
#307246

WOW. I just dealt with this EXACT situation with USAA.

Original closing date was April 22, 2011. We JUST closed June 16th. No communication, no call backs, no return emails! I had to send the same items over and over again.

Unacceptable. The seller was moving across country, already had her furniture moved and was waiting on us as we pleaded for more time.

Thank you Lorraine Santana (Loan Officer). We almost lost the house of our dreams because of you incompetence.

#295129

To: Dozer 11B Infantry :)

I know how you feel, sorry you had to go through the same thing.

To: usmcdeathcard :)

Thank you for the info but when we went to a small local bank they didnt misplace 1 peice of paper and closed in 14days.

To: USAA

Her name is Marimar NOT Miramar and I'm not suprised she doesn't working there anymore. I with I would of known about calling the bank president when I was still wanting to work with you guys. Yes the VA had the appraisal but wouldn't release it without some code or document#, Now I can't remember the name but Marimar wouldn't even give it to me. I called several times, a week later her manager emailed me the "code". Thank You

To: BooHoo

Thank you for showing everyone what trash really is.

#294100

4th Closing date, 3rd processor, getting no where. Sellers about to back out, USAA knows it, but still moving like slugs.

If you are reading this. Trust me, Do not use USAA Mortgage. My realtor told me to go with this bank in town. I said, I would go with USAA, they are good with stuff like this..HAAHAHA..Little did I know, that the mortgage dept.

is totally worthless. A waste of time. I speak from experience. You will regret it when you are weeks past the original closing date.

You need to go somewhere that you can walk into. There are alot of banks that are VA approved lenders. They will have you done in no time. I am on my 4th closing date, sellers want to back out.

Faxes are lost, emails are buried. You know, the email that has the important info they requested one day before closing, and now your closing date has been pushed back, again. You will not be able to get your processor on the phone. You need to use extension 78466, and they will instant message your processor, who will message them back.

HOW??, so, the processor doesn't answer the phone when you just called,even though they are right there. NOPE! Also, they will call at the end of the work day, to give you some info, so that it will have to wait till the next day, so that you can send them the bank statements they lost, for the 3rd time. Hello, check your email.

Its still in your *** email...duhhh! I have chosen to go with a different bank now. The one my realtor told me to use from day one. One that I can walk into, right down the road.

My paperwork, all of it, is currently sitting on the underwriters desk.

All they are waiting for is USAA for the appraisal documents. And its a done deal.

#265913

Well Sailor, not sure where you ever thought you would close on a huse in a week or even two..I just refinanced my house at a lower rate and it took 5 months. FIVE months, and Im using the same bank that has the original loan, so dont expect anything to happen with any military quickness, it wont.

Whatever you send a bank send them "signature" so you can prove you sent it, never send originals UNLESS you certify the mail.

#265903

There isn't a mortgage processor named Miramar. Call the Bank President if you're not getting a response. Plus VA should have the appraisal, too.

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ID
#228658 Review #228658 is a subjective opinion of poster.
Location
Amarillo, Texas
New Reviewer

No one is working to "look" at the customers as individuals

Dear Mr. Robles, I hope someone let's you read this email. In the last 10 years I have lost my parents, my brothers and my youngest son. I am 64 years old, retired educator, and going through a divorce. I am living on social security and a small pension from the school system. All my family has died except for my oldest son, who is a school principal. I want to stay in my house, but the payments are too high now. I have been a loyal member since the 70's and my payment history is spotless. I pride myself on being a good consumer and pay my bills on time. I am forced now to sell my house, but no one will but it because it isn't worth what I put into it any more. I have to spend $500 a month on health insurance and pay for medications for the polyarthritis that is crippling me. I am in a position that needs a special eye to see past the rule and regulations that have replaced the "care" you say you have for your customers. I do NOT want to walk away from my obligation to you, but I may have no choice. NO one will think outside the box and take a chance on me. This is my last effort to try to salvage my dignity, my pride, mr excellent credit rating. But at my age, I may have to throw that all away to be able to live my life. Please help me. I am upside down in my mortgage, my house is depreciating every year, and I don't qualify for any special modifications because my gross income is too high. Who lives on a gross income? I had to pay 950 dollars in excess income taxes this year, and my 85 year old home need upkeep. Do you really care? Amelia Lubrano
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3 comments
#362879

The problem is the people working at USAA, they act like automatons. Ask a question and you get a preapproved preformatted response.

They're not allowed to think outside the box. It's a pity really as they grew their brand by providing one-on-one service.

My advice is to switch to a small credit union, USAA has turned it's back and become just like the rest of the evil too big to fail banks. Turncoats.

#276313

Wow, you people are seriously heartless. Maybe you should take your own advice.

She has to pay over $500 a month for medical care, do you know what that feels like? If you've never had to pay that kind of money for medical care, then you wouldn't understand, so maybe you should shut up "Shut Up!"

Good luck to you Amelia.

#267060

USAA is a business, not a charity. If you want a handout that leads to bankruptcy, ask the federal government.

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ID
#227578 Review #227578 is a subjective opinion of poster.
Location
Tampa, Florida
Service
Usaa Mortgage
New Reviewer

USAA manages to find the most inept mortgage procesors on oearth

Never in my life did I think applying for a refi loan with usaa was going to be more complicated and time consuming than opening a business as a foreigner in the republic of Congo( or any other African nation). What a bunch of inept employees usaa has. Unbelievable! I work for the Fed Govt, have an 800 credit rating, and yet USAA made trying refinance my 70k home like I was trying to refinance a castle next to the queen of England. ATAY AWAY FROM THE MORTGAGE DEPT AT USAA. THEY WILL MAKE YOU WANT TO COMMIT SUICIDE OF TOTAL DESPERATION.
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3 comments
#752141

one of their insured hit my vehicle and usaa has yet to fix it it. Its been over a month.

Usaa sucks. pay the *** $1200 claim you fools!

#368705

Have you ever had to file a claim with USAA over that 40 yr period?

#337208

Been with USAA for 40 years. Customer Service has been great.

Car insurance great. Home insurance and credit card, good. Health insurance poor. Home mortgages poor.

They excel at some things, not others. Overall, I've been with them 40 years because they do some things VERY well.

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ID
#227315 Review #227315 is a subjective opinion of poster.
Location
Oklahoma City, Oklahoma
Service
Usaa Refinance
New Reviewer

USAA is the worst insurance company ever

after nearly 20 years, they dropped me after a single vehicle accident when i called them to complain about their terrible customer service. Stay away from this company. 20 years, without having to pay a cent as a result of my driving and they dropped me as a client. I called disputing their refusal to pay for part of a claim I submitted and was subsequently dropped a few days later. They had no problem collecting my money for 20 years, but refused to assist when I needed them the most, two weeks before I deployed overseas. I would caution anyone considering using them for insurance. By the way, I received a lower rate from someone else anyways, so it all worked out for the better. Former member 528****
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7 comments
#807408

As many of you have stated here, USAA (and specifically their claims department) is one of the worst in the insurance industry to deal with. The entire "we haven't talked to our client" game that they play is unethical.

They play it this way in the hopes that people with just go away, or file a claim with their own insurance company. Statistically, they probably have found that a small percentage do just that - so they never have to pay the claim. For those that want resolution, contact your state insurance department, or an attorney, to get things resolved.

Oh, and if any of you are lucky enough to speak with Linda Cordova, a claims rep at USAA, please write back, as I am not sure she exists (after 7 voicemails in 7 days). USAA is WORTHLESS!

#752743

Just spoke with n auto insurance claims agent and their insured hit my vehicle. USAA is waiting for a statement from their driver.

It's been a month and they still hace not heard from their insured. USAA said since they do not coorespond they can deny the claim.

What kind of *** is that? Is that even legal?

#612122

Their insured driver hit our car and per police report it was their driver who was 100% at fault. USAA refused to accept any liability.

Our car is damaged for almost a month and cannot use it. On the phone these people are hard to reach and when they answer they are totally unreasonable.

#752744
@PissedConsumer612122

Did you ever get them ti fix ur vehicle? I'm In this boat and it's frustrating.

#296368

They are not a legitimate insurance company. They have the worst customer service of any insurance company I've ever delt with.

Tried to make a claim and they lied the whole time. Changing their reasons for the rejection. Please avoid them at all costs!!!

"Worst company" is an understatement. Can they be reviewed by congress for corporate neglegence?

#296081

I agree with all of the above they have been :cry aweful they are impersonal they don't have manners. they say one thing and then do another.

They could care less if you are a civilian. If your Military High Brass they treat you like a Corporal.

Seriously...they are fibbers, and blatent cheats that love your money!

that's it...they should be reported to the insurance commission for fraud. :upset

#262827

I too have been dropped by USAA after 11 years of paying them my money, their service was never that great anyway. They dont treat you like a person just another number....

I had only 1 minor accident and they dropped me after 11 years!

WOW!! Who was cheaper for you Todd, I am now looking.

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ID
#225693 Review #225693 is a subjective opinion of poster.
Location
Meridian, Idaho
Service
Usaa Claim
Loss
$1200
New Reviewer

USAA doesn't help Deployers,

USAA customers service is terrible. I called and asked for a reduced rate on my auto insurance for my deployment period - They would not reduce my rate. If I had been removed from the insurace the rates would increase while I'm deployed and will have NO access to my car. Then on top of that news they made unauthorized changes to my policy which raises my rates anyway. ?? USAA folks are money hogs and will do anything to raise rates - the "we are for service members" is a scam. Can't wait to leave USAA for a company with better service.
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2 comments
#322042

Dear Shslay,

I am a former bank manager and a soldier in the Army. I have been through three deployments with USAA and never experienced a problem. Your comments are deeply ambigious and seem defensive. I suspect that there is another reason b/c your comments do not add up.

Maybe you should try being honest with yourself first.

#301909

I have had USAA forever, never ever had a problem. They have always aided me on all four deployments, and have some of the best online banking I have ever seen.

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ID
#224236 Review #224236 is a subjective opinion of poster.
Location
Baltimore, Maryland
Service
Usaa Auto Insurance
New Reviewer

USAA wants me to act

5 years ago I had a real problem with USAA. As part of an accident, they were to provide a rental car to me. When I pointed out that i did not use plastic and wanted a rental with no deposit required they said no problem if i rented from thier preferred agent enterprise I go to them for the car and was told by them to ante up $50 for gas. When i called usaa they told me it wasnt a deposit and refused to accept that if it looked like a duck and quacked like a duck its a duck since money up front is a deposit they would not make good to get the car that my plan covered. After getting ballistic they send me a check drawn on a bank with a branch in my local town. Carless, i walk 2 miles in 15 degree temps to cash the cheak and get the rental car. Their bank informed me that they could not cash the check as their account holder set up the acct to mandate that their check be deposited into an account and was not able to be cashed at the bank. Nowhere was this stated upon the check and when i called USAA and asked them to do somnething they , in essence said, tough ***. Five years later, with a new policy and another discussion this history was brought up. I am still very pissed with them and stated so. Today i get an official notice that they were not going to renew my policy for 'speaking to them in an unprofessional manner..." , when i called them today their underwriter in essence said tough ***. Personally, if you want me to speak professional you should first act professional and since they had not in the past they dont warrant "the king's english" from this peon. I feel they owe me damages for failure to provide the rental car then providing me with a check that was non cashable plus damages for pain and suffering a 4 mile hike in sub freezing temps cost me due to my bad legs
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ID
#221646 Review #221646 is a subjective opinion of poster.
Location
Reston, Virginia