USAA Reviews and Complaints
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Be Careful Refinancing through USAA
USAA offers mortgage refinance rates which are very competitive... on the surface. As part of the loan application process, they ask you to call them to begin the process. I did so and was told that there would be NO closing or other costs associated with the Re-Fi application process. Like an ***, I agreed to fork over $350 (non-refundable) to "lock in" my rates and begin the paperwork necessary to receive the refinance loan. USAA called me a few days after an appraiser looked at my property and advised me that they needed to charge me a $65 per month fee for "mortgage insurance". At no time was this EVER mentioned during the initial phone call. No other costs my ***!! To me, this was a convenient way to tack on almost $12,000 to the loan over the life of the 15 year Re-Fi. When I balked at paying the additional fee, the loan officer stated she would have to deny my loan and cancel my loan application. There went my $350 -- hard lesson to swallow! In retrospect though, I firmly believe that USAA would NOT have stopped with just the $65 per month fee. I wonder what other hidden/unstated fees USAA would have tried to tack on if I had agreed to the the mortgage insurance? If you deal with USAA for a Re-Fi, be extremely careful and get everything in writing BEFORE you sign over ANY money to them!! I used to talk highly about USAA. Not any more. USAA should stick to car insurance -- they SUCK at mortgages!
My complaint is about USAA a company I used to love but that seems to be wasting my money lately. I hope USAA will fix this problem but I wish I knew who to talk to. I witness the waste every morning when a senior manager named Burks eats breakfast at my expense. He...
Usaa Credit Card
Fire took my home 12 months ago, USAA has not payed!
Update by user Jan 03, 2012
USAA left me homeless, freezing, starving, and with no where to turn!
Original review posted by user Jan 03, 2012USAA is a horrible company. A man broke into a vacant apartment in my building and set it on fire. It took my home and everything in it. I have loyally payed on time for ten years to maintain a $23,000 renter's insurance policy. My adjuster and USAA's "contracted" vendors have done everything in their power to screw me over. Watching your house burn to the ground is horrible in itself. USAA has treated me with no compassion, care, loyalty, or concern. They have lied to me, cheated me, and made it impossible to recover from this terrible tragedy. I have been homeless for a year due to their inability to pay what I am entitled to. I do not wish this on anyone. Do not use USAA services in any capacity. You will regret it.
I have been with usaa for a few years. I served in the air force. I can use my card anywhere in the U.S. without question, but when i make a payment no matter how large or small they put my card on hold to "verify" funds. It shouldn't take 7-10 days to determine if...
USAA Representatives Lie and Don't Keep Records of Transactions
I'm currently very disappointed with USAA. I never had a problem with them until this year but, the situation was enough to really anger me. I recently closed out a checking account to create a new one because I felt like my information from my last checking account had been compromised. Naturally, in the process I switched all of my automatic bill payments over to my new checking account. USAA kept turning my autopayments off and charged me late fees and then when I confronted a manager about the situation, all they could tell me was that they keept turning my automatic payments off and had no records in their memo's that I had attempted to fix the situation with them. I think they were trying to make a quick buck off of me. Details are below: This is when all of the problems started: I closed my original checking account on the 28th of October and switched over my automatic bill pay information so that all of my bill money would be drafted out of my new checking account. The representative I spoke with that day told me that everything was fine and my bank drafts were correctly set up. After noticing nothing had been drafted, I called them on the 6th of November. They had told me that my automatic payments had been canceled for whatever reason so I paid the late fees and restarted the automatic payments on the 7th of November. Guess what?!? I called, USAA on the 28th of November demanding to know why again I had noticed that my account had not been drafted for my bills. The representative that I spoke with that day, Jim, assured me that everything was set up, but the deduction just hadn't "reflected yet". I called them on the 3rd of December, again to ask them why my account was still not being drafted, just to get the run around. Once again they told me that my bank draft had been canceled. I was pretty ticked off so I spoke with a manager named Tricia, who told me some lame excuse as to why they couldn't give me back the late fees for not having my bank account drafted. Even worse, they could prove that I had been calling them, but because the representatives never did their jobs and typed out memos of what was actually being discussed during our conversations the manager couldn't prove that I was attempting to do the right thing and pay my bills. Fair warning: DO NOT trust them with automatic payments or documenting important information on your account. Apparently, if you want to sleep well at night, you have to do their jobs behind them. In this case, what am I paying them for right? I'm currently looking to take my business elsewhere. Once I do find a new company, I'll be promptly shifting all of my accounts and investments because when it comes to finances, the last thing you want are mediocre, greedy, unhelpful people behind a desk, who don't keep track of their transactions and memorandums handling your accounts for you. -El
Usaa Checking Account
We've been with USAA (military vet) for over 30 years. My parents were also USAA members for decades before I joined. USAA was the mutual company whom we trusted would understand and meet our needs. We have had past property claims over 3 decades and were treated with respect. USAA is not the company we once knew ... and has adopted a strategy of wearing down claimants so that they will accept less. Financial pressure is compelling them to cut claims payments ... and do everything possible to add members. They will be losing our business ... and that of my extended family. If you have a rogue claims adjuster, get to a boss first ... then if not resolved quickly, escalate to the state Insurance Commission or one of the USAA generals. If you're in TX, you're in luck. TX Insurance Commission does NOT like USAA and would love to hear your complaint. If they offer anything, ask for documentation. If they do not provide documentation, reply through usaa.com with a summary of the phone call to enter documentation into the file. USAA waited 11 months to respond to our property claim (after it was assigned a number). Eleven months ... in spite of our weekly phone calls and letters. At least, we've kept our case documented (sending messages through their website)... so if it gets escalated (which we may do) we will have all documentation. Restoration professionals sent by USAA are equally frustrated and baffled by USAA's delays, forgetfulness, and arbitrary challenges. Looking for a reliable insurer... and angry that my longtime insurer has gone rogue...
USAA review: Threw me to the dogs
I am a deployed Navy Officer (in Afghanistan), since my account went to collection they (USAA) refuse to talk to me. Instead their agents call and harass my family. They will not issue Home owners insurance....This is how they treat deployed service members?? Since Sept I have sent over $3000 to the past due accounts. The company seems to have not interest in dealing with me, once the jackels are involved. I will be home in 6 months and need to have this in a resolved paying status to keep my secret clearance and pass any employer review of my finances.
A few years back, I co-signed on a loan (later learned never to do that), with my brother. He never payed on it. I never knew he wasnt paying on it and one day I went to login into my account. It gave me the message, you are being denied for security reasons, please...
dear USSA since you have said it's because of location and forcasted claims of the area i am always getting increased insuarance rates. So since joplin in MO got hit and now with all the new damage in all the other states on this day 2 march 2012 .So i can expect the same ansewr very soon about you increaseing my insurance rate again. You are supposed to be a company for the military but apparently you just want to make up the money for your corparation. I am disgusted by your practices and methods of extorting money from us that have served i will be findind another company that does not want to make up thier corprate losses by makeing honest home owners pay more.
There are a number of reasons why I would NOT join USAA again in the future. For those that are considering this company to handle your insurance or financial situation be very weary of USAA's customer service capabilities. In my personal opinion, USAA is lacking...
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