USAA
Reviews and Complaints

Please save yourself and DO NOT DO BUSINESS with USAA mortgage. I am posting in sites all over the internet.

The mortgage section of USAA are filled with incompetent people. The posting by "Johny Apples" in the complaintsboard.com hits the nail right on the head! The sentence "The loan processor assigned to us was the most incompetent, lazy, and lease knowledgeable financial services professional with whom I have ever dealt. He never answers his phone, never returns messages left in his voicemail, doesn't respond to repeated E-Mail inquiries regarding the status of our loan..." just made my wife and I laugh out loud!

It is so true. Unfortunately for us, we also missed our closing date. Mind you, it is not because we do not satisfy all 'standards' for the loan. We more than do.

The reasons are simple: USAA is ripe with incompetent people. These employees have very low education and have difficulty speaking english properly. The Supervisor there, called "Yolanda", is someone that certainly should not be in any leadership position. We bargained very hard to get the owner of this particular property to sell at a extremely low price.

Now, we may lose the house because Yolanda and her "TwoPac" sidekicks don't wish to work for their income. Can you imagine? On the day of the closing, we had to haggle on the phone with these hoodlums just to speak to someone in mortgaging. Then, they have the nerve to inform us that there are documents missing that I know were either sent in the packet over a month ago or, at the least, should have been told to us were missing weeks ago.

I say: RUN and throw grenades behind you. DO NOT DO BUSINESS with USAA mortgage.

The document handling you described is exactly what we're experiencing right now with them on a new mortgage.

I cannot agree more! I dealt with the Yolanda person and her eubonics as well. The *** does not understand basic loan terminology and defended the performance of our processor lady (some mexican that barely spoke english- wow there is a surprise- NOT) the incompetent nit wit that is in charge of the mortgage dept needs to be fired

I am posting everywhere I can to warn people about USAA and their horrible treatment of customers (members) - USAA Mortgage is run by mexican immigrants, I am totally convinced of that!! Our VA Mortgage Processor, could not communicate well at all (and I think she cursed out my husband in Spanish) therefore, I will tell everyone I know AND the VA loan center about how Veterans and their families are treated.

I applied alnong with my husband for a VA Refinance a month ago. My husband is 100% disabked as a result if service in Afghanistan- a grenade exploded under him during a "sweep". He is a grunt, an infantryman and would die for his country- and he almost did!! Anyway, our VA Processor kept telling us he has to pay the 3.3% funding fee. Then, she changed her mind and said no he did not. She refused to accept any paperwork from the VA with his rating. This incompetant *** mexican lady put us through *** and back! It finally came to the point that our lock expired not once but twice on us. Had we gone through with the USAA refinance, we would have had another half a percent tacked on to our rate.

I am thinking that this malicious treatment has to be criminal or fraud. I find it hard to believe that a fortune 500 organization would be so "politically correct" in its hiring to reflect the large mexican american population in TX without regard to skill or merit. I understand that they have a consumer reporter on KENS 5 in SA. I have contacted him and they will be airing an expose on USAA Mortgage Services in early Feb 2011.

I want to vomit when I think of the bad people there.

Wow!! I think I did talk to a nicole AND a supervisor named Yolanda.

They were both rude and dumb as a rock when I asked questions about our VA refi in process last week!! what a small world

USAA Mortgage Serices is truly a nightmare. My husband was an Infantryman that was killed incombat in Afghanastan when he stepped on a mine.

I know the "Yolanda" you speak of. She apparently is a Senior in San Antonio who will never return my calls. She makes sure she avoids me when she sees my number. The loan processor assigned said that she was strictly a contract or "temp" worker and she was simply woking as a temp for Christmas money then she would quit.

I am trying to refinance my home and my rep never returned a call and when she did she BLAMED ME for not locating my huisband;s death certificate within the 3 day window they have. I found it about 2 weeks beofre closing and when I faxed it to her 4 times, she said it was too late- she had "Yolanda" withdraw the file and my $350 was lost and my 4.25% rate was gone!!! I have 2 children under 2 and now I do not know if I can afford to stay in my home. I think that their use of "temp" employees is deploarable!

Also, this "Yolanda" is a total female version of a thug. I will be contacting CNN as well and 20/20 How ironic it is that a company that "wraps" itself in the American Flag is so hypocritical! Do not even get me started on having to talk to offshore call centers in India or eslewhere when I called ni for mortgage status.

The news magzine TV shows will have a field day with this USAA. Disgusting.

Sounds like you had my loan processor Nicole. She refused to return calls and even e-mails.

My agent said she couldn't believe how hard it was to get ahold of the loan processor. Nicole Malec - please find a new career!!!

Buying our first house in 12 years, USAA loan processing seems to be incompetently staffed. I wonder if they reserve higher quality-of-service specialists for senior military members/retirees?

What are you talking about just shut the f%$# up!!!

This is common we have taken in many new employees, temporary employees and outsourced. So, it is not out of the realm of possibilities that you were told several different "stories".

USAA Pre Approve me for a home loan and sent me to the cert and and agent to look for a home and then less then 2 months later the and with no change in my credit they changed their minds and denied my App. WTF USAA. Do you know how much work it is to find a home then to be told sorry is wasnt my call to make....

Movers Advantage has been good with getting setup with a local agent and finding a house but I too had a terrible experience with the mortgage loan department.

We started the loan based on a verbal quote. Soon the actual closing costs estimate was disclosed on the good faith estimate which was twice the amount quoted on the phone.

I was reassured verbally that the the GFE was in error and as the loan process developed it became clear that the closing cost would be in line with what was quoted in the GFE.

After wasted time and earnest money, the not so easy solution was to go with a different lender who was less confusing, had better rates, and could close faster

In all fairness, the banking and insurance department is one of the best.

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

Golly that’s terrible. One issue I’m not clear on is how much you are making.

Even doing the math on your double negative it doesn’t really make sense. Really, I don’t understand your comment, "We don't earn barely above minimum wage”. So you are making well above minimum wage?

Or possibly you are making less? A little unsolicited, but friendly, advice; if you want to be taken seriously, don’t type the way you speak.

Oh please. This is fake.

My son works at USAA. You cant delete items from the system. Maybe if youre IT? But regular employees cant .

Contracted labor? Noooo. He said they are not temps?

Yes, he said misinformation may be given at times, but what you wrote? He said you are most likely a competitors employee, or a former usaa employee who was so lazy that you eventually got FIRED.

My husband's ex-spouse(since 1984) is listed as an eligible co-manager of OUR children's accounts. They didn't have any children, they are my children with my husband!!

If your children have pre-paid credit cards with USAA, click on "add a co-manager" at the bottom of the page to see who pops up on their list. Why won't USAA remove her name from the list of eligible co-managers for our children? They keep saying it isn't a security risk because she isn't on the account, just an eligible co-manager. She would have to know information like, my husband's USAA #, SS#, his date of birth, and his mother's maiden name to get access.

Gee, I wonder if an ex-spouse would know that kind of personal information! After over a year of trying to get them to fix it, they actually called the "ex" to see if it is ok with her to remove her name from OUR children's banking accounts!!! They aren't even her children!! What a violation of our privacy!

Is that even legal?? With USAA, once someone is on your account, they are always listed on your account, even though you may not see it. USAA keeps telling us they can't stop listing the ex because "their members want ex-spouses to have access". They aren't her children!!!

Tell USAA to change their bylaws to allow you to remove ex-spouses from your accounts completely. They say it shouldn't bother us to see an ex-spouse listed above my own name as an eligible co-manager of "my" children's banking accounts. Some reps have even said an ex is listed all over our accounts but we can't see it. Who do they think they are?

Email Joe Robles, CEO, to tell him that after a divorce you have the right to have your accounts separated completely at USAA. What a shame USAA doesn't know how to "do the right thing, because it's the right thing to do" right, Joe?

Karma is the reason most of you had such horrible time getting a loan. I am disgusted by your comments regarding people of Mexican decent and people who "dont speak english"...one- you are probably as ignorant as you sound in these posts and deserved to be cussed out, 2- KARMA hates ugly people, so you got what you put out in the world, and 3- I am a white woman with a MBA...so dont assume I am a Mexican who is trying to defend myself...shame on you all...