USAA
Reviews and Complaints

I have been a very happy member of USAA for over 20 years and have never had a negative interaction with them. Any problems were fixed with complete accuarcy and professionalism.

I'm sorry your encounters have been so negative and I'm sure there is another side to this story.

In the coming year I wish you a better payment history and subsequent higher FICO score. ;)

Dear TONYINSATX, it is obvious that USAA is now more than happy to take on higher risk clients. Most unfortunate.

They have instantly lowered themselves below the likes of Allstate and State Farm in Florida. They have increased the premiums by 12% to their loyal customers to finance this latest expansion.

Chris

Opps:) I meant January 6, 2009.

To: "Who know"

You need to learn how to read the date. The first post was made on January 1, 2009.

tony you are wise to reply to a 3 year old post maybe he is still reading this.

I was just reading your complaint and just had to comment, given the recession that we're in. It sounds like turning you down was the right thing for USAA to do.

Late payments are a sign of financial stress and/or financial irresponsibility and they factor into one's credit score. Also banks that had loose lending standards made loans to folks who ended up having financial stress and/or were financially irresponsible and that is mainly what has caused the recession that we're in. The majority of those folks defaults on their loans or couldnt keep up w/payments causing the issue. If they had never been approved this would not have happened.

The banks that approve loans to folks that are irresponsible are just giving them rope to hang themselves with. I've been turned down for loans before as well, but if that hadn't happened I'd be up to my eyeballs in debt now. Thank God I'm not and my family is ok.The only times one should take out a loan is 1) when buying a home and 2) MAYBE taking one out to pay for college. Everythingelse should be paid via CASH.

Personally I'm happy that some companies like USAA choose NOT to take higher risk.

Can you imagine what would happened if EVERY bank approved most loan apps and THEN the defaults happened? We would not be in a recession, we'd be in GREAT DEPRESSION II!

So you forgot to mention year make and model and how many miles are on this truck. Insurance companies don't MAKE you take a salvage title.

You had to have told them you want to retain the truck for this to be an option.

Sounds like the 1200 bucks is minus the salvage value which tells me your truck must be older with some miles on it which at that point doesn't take much total with or without frame damage. Just a guess since I'm sure there is more to this story.

Be sure to jot down the name of the representative with whom you are discussing the insurance problem. Next, put all complaints in writing.

Try to solve at the local level. If this does not occur, try the national office. If you receive no help, write a letter to your state insurance Board with a list of the date and reps.

File a formal complaint. Good luck!

USAA will gladly take your money while waving flags and vets and apple pie but they are as nasty as can be if an accident occurs.

If you are a vet beware- get State Farm instead.

I have been a member for over 40 years and I let a lot of things slide but no longer. I have been burned on investments, found problems with the banking, been lied to by insurance agents, had to report USAA to the local department of insurance and found many problems with USAA.

Get real -- USAA is not the same insurance company it was 20-40 years ago. It is a different company. It is a cutthroat company and it is much more expensive than other insurance companies. The agents will lie to you.

Face it. It is not the same company that they used to be. They are mainly interested in making money. They censor my comments on their reviews and will not print anything that is negative except about once a month.

All my reviews have been censored.

Don't let these people throw you off. I've been covered by USAA my whole life and when I got into an accident and totaled my 2000 Ford Mustang, which had blue book value of $3,500 at the time, they wrote me a check for $10,500 and called it a day.

This whole process took about a week. The agents were very timely in returning my calls and they were extremely helpful.

haha this company has been screwing me. i have been trying to pay my payment for the past two months and they wont let me.

They keep telling me they have received the money when it was never withdrawn from my account.

Who would have guessed that these retards associated with the military would be better than a real company? haha

Total *** USAA cannot be trusted for anything other than to take your money and NOT pay out on claims as needed.

To *** with USAA....worst company ever and I've been with them over 36 years.

I've been with USAA for over 20 years with no problem until recently. I have personal property insurance that I pay for every month but as soon as I placed a claim for a loss of a chocolate and white diamond necklace, they canceled me!!!!!

All because they said my actual date of loss was wrong!!! How the *** would they know? They never paid me yet they chose to cancel my personal property, my homeowners, AND my auto insurance even though the last two had nothing to do with it.

I did NOT make a false claim, I DID lose the necklace, and I've concluded that they just didn't want to pay my. I despise them and they way they run their company!!!!

The reason why the company is going down the hole is because the company is squeezing its employees. have you ever noticed when you call you are almost sold something.

yup, and if the employee doesnt sell you enough..regardless of tenure..your fired.

they get written up and placed on process improvments plan for not saying certain words. that is how it is...and so yea..the service a lot of times is good bc with weekley performance reviews..you will get picked to be placed on some sort of pip.

usaa sucks rips people off lets innocent children get hurt by their drivers :(

To the gentleman who changed to Allstate, "Good Luck". I was walking through a Sears store one day when an Allstate sales rep stopped me and inquired about my insureance carrier.

I told him I had USAA and he said "Never mind, I cannot compete with them. I have been with USAA for 44 years, and will never change. They insured my children when they couldn't afford insurance anywhre else.

This is my company. Love it or leave it, I don't really care.

I came to this site by typing in USAA complaint. I notice people here that want to defend USAA.

Since when did a person that was happy with the service they got from a company visit a complaint site?

You are ghost writers and liars that get "paid" by USAA to do damage control. USAA does NOT take care of the military.

Major Ivy you are a ***. USAA was started by officers and now another officer wants to defend them.

USAA does not take care of our military. They almost demand that all business you have with them be set up by automatic withdrawal from "YOUR" checking account. It is *** to give "any" company the right to withdrawal money from your account. You loose control of your own money when you do this.

USAA does not want to pay out on anything. I had wind damage to my home from tornadoes and to this day I have not been able to get my roof fix, due to waiting and waiting, and waiting some more on USAA. So Major Ivy you "don't want to pay for my mistake".. When did it become my mistake when a tornado touched down in my housing area?

When is it somebody else mistake when they have any damage to a home? That is why you buy home insurance you ***. :?

Now on the original comment about USAA and Bankruptcy. If you ever have to file bankruptcy you are better off walking away from USAA all together.

Am going through something with them as well. One of their adjustors let us stay in water damage and flood for 5 days and now they do not want to pay damages.

They are stalling on payments. Any suggestions.

My policy is great. I love USAA.They care about me and my situation and just like the military they go by the rules.

Come on people you know they are right. USAA is a member owned company. I'm sorry but i dont want to pay for your mistakes.

So yeah go to Geico so my refund check can get bigger because of less claims. And PS you get more discount because there fee's are higher.

I too was upset with USAA after we got our renewal policy. It was going up again!!

The last 6 month policy in October 2008 had nearly doubled already due to our 16 year old son getting his license. I can see that. our premium for 6 months was $1400 for three vehicles all full coverage and our teenage driver. now they want $1703 for the new premium.

Nothing has changed, our deductables were at the highest ($1000) we have had no tickets, no accidents no nothing!! That is a huge increase! The rep on the phone told me it depends on your state and in our state there are a lot of accidents and occurances. So we are punished for others mistakes?

He also stated that USAA has to keep up its business by increasing the rates. I gave Geico a call and for the sames coverages we are now paying $1330 every 6 months, same coverages as we had with USAA. Very big difference. We were with geico a few years back then went to usaa.

Well geico is cheaper and I was told our premium wont go up unless of course we have accidents or traffic convictions. I do no reccommend usaa, go for Geico especially if you are military retired military or government worker, they give more discounts!!

We are having the second issue with USAA on our homeowners coverage. For the second time I feel like we are being defrauded. It starts off with lets take a look at your coverage, to no you are not covered, and when you fight them on it they say you are in a gray area and their legal department has to take a look at it. What is the sense of having insurance if your company will not help you when you need to utilize the coverage we pay for?

I'm getting the feeling that they're trying hard to minimize any risk exposure on the property and casualty side, and given the general economic situation it's not hard to theorize why. I'm sure that their investments have tanked like everyone elses, and they're feeling cash-poor as a result.

The part that upsets me is that USAA is a member-owned company, so there are no shareholders to consider. In essense, since I'm a long-time member, I've been a stockholder for over ten years. I feel that they're clamping down unnecssarily hard on risk exposure, to the detriment of their members. Bottom line is that people keep telling me that they are not the company they once were and that we are better off going elsewhere for better quality, lower costing services from companies who will actually do their job should you need their assistance.

Right now we wait to see what they are going to determine while we determine how it is best to proceed with them from here.

USAA LET MY KIDS GET INJURED BY ONE OF THEIR INSURED 2 1/2 years and still have not paid medical bills, or any other damages! Their guy got the ticket their was even an officer their and they have never EVEN MADE AN OFFER!!! USAA WILL LET THEIR DRIVERS INJURE YOU AND YOUR CHILDREN AND NOT EVEN PAY FOR THE DAMAGES DONE MY DAUGHTER WILL HAVE A SCAR FOREVER FOR THE INJURY SHE HAS