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USAA Millitary Joke

I serve the united states and i dont ask for much in return but when i ask the low rate guranteed loan company usaa i get a dont have enough credit history to process loan.. how the *** am i espose to get anything with an insufficent credit history even though i make payments befor they are due and with 110% payment very very displeased with their service.. all i want is a newer car that i can get back and forth to work with not some piece of *** that putts putts from point a to b this is how we reward the people who fight for this country *** i dont know why we fight at all jjust to get treated like this thanks and *** you usaa
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1 comment
Anonymous
#394656

Started about three weeks ago getting a loan for a great buy on a Harley. Was told then I did not need to send them a copy of the title.

Received no check and upon contacting several days ago have been wishy washed that I need the title and they cannot send the check to the owner because he has not sent it through the state to get a e glad they are for us vetstitle, even tho MS has a place for a second transfer on the title. The other gentleman is correct....their record keeping "sucks".

Sure glad they are for us or they would really be cutting our throats. On my way to change my insurance now.

Review
#279402 Review #279402 is a subjective opinion of poster.
Service
Usaa Loan

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
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1 comment
David T
#492629

USAA is a bank "YOU CANNOT TRUST"

Review
#279188 Review #279188 is a subjective opinion of poster.
Product
Usaa Checking Account

Stay away from Usaa's mortgage division

USAA has a horrible mortgage department. I am currently in escrow and my loan processor has only called me once. I am contracted to close in less than 1 week. They informed me today that my loan was reassigned to another processor in the Tampa office. This entire process has cause undue hardship on my family. My previous processor never answered her PHONE. I doubt I will close on time and my family may end up spending Christmas in a hotel. I will likely be closing all my banking, insurance, and investment accounts and taking my business elsewhere. STAY AWAY if at all possible.
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1 comment
melissakline
#428287

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

Review
#278945 Review #278945 is a subjective opinion of poster.
Service
Usaa Mortgage
Loss
$5000

USAA review in Lancaster, Texas: The WORST insurance in the world!

And if you are in the Military - STAY FAR AWAY from these crooks! My brother-in-law is in the Navy and is out to sea a lot, his wife got in a wreck in his car (her name is not on the car) and USAA treated her like ***, told us there was nothing they could do without a power of attorney from him - but then they told him they had picked up the car and were charging him storage - the car was sitting in his driveway the whole time! To top it off, my 9 year old grandson was in the car at the time of the accident and received a neck injury - they are now saying his medical treatment was not necessary and they don't want to pay the doctor bill - wait until I contact an attorney, will see what a Judge says about screwing a 9 year old out of treatment!
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3 comments
Sara
#487050

If his wife's name was listed on the policy, they wouldn't have had any trouble. If she was an unlisted household driver, that is a big no-no.

You are paying premiums for 1 driver..of course they are going to give you problems.

And if the vehicle was on a storage discount while being parked in the driveway....they shouldn't pay the claim at all. Its a storage discount for a reason.

Anonymous
#387086

Not having a PoA is just plain ***. Of course a PoA is required to do anything is someone else's name.

How would you feel if just anybody was allowed to do something in your name, that is called fraud. Her name should have been on the insurance even if she didn't own the car.

I have had no issues, because I have a power of attorney and was covered like I should be. That's why they give you the option of insuring others on your insurance policy.

Anonymous
#383380

I had an accident in my husband's car while he was on deployment for a year and USAA covered me and my children 100%. I was listed as a driver on his account.

I am sorry but if your brother in law is out to see all the time and didn't give his wife PoA, I am not sure that was a good move at all, especially when it comes to housing issues. Every single deployment my husband or I have been on, we had to give someone we trusted PoA before we could even deploy.

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Review
#277748 Review #277748 is a subjective opinion of poster.

USAA Failure

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...
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4 comments
Anonymous
#506047

I have had USAA -homke, caras, and rentals for 55 years. My five kids have each had it for about 20-30 years and two ex wives have each had it for 29 years and 19 years.

Hundreds of my military friends have had it for many decades. Never had I heard of an unfair settlement. I have had many as have my family (nine among my extended family in past three years - all quickly and settled at more than fair amounts (one even cover vfor mokld remediation when not really covered by policy!

This complainer obviously does not know the terms of his policy. What is and is not covered is clearly stated.

Anonymous
#479221

I have to concur, not at all impressed with the ways of USAA. My car was hit by one of their insured, it was parked in a lot and this lady drove her SUV 1/3rd of the way up my car before finally stopping. I think she was "tweeting" or otherwise playing with her phone. She got out and admitted her culpability, but after I drove to get estimates she hid out and I had to contact USAA to deal with it. She hid from them for a month before finally concocting a ridiculous story where my parked car somehow hit her, and because it was "different" from the truth USAA claimed no liability.... 3 months after I first contacted them.

2 years later she finally admits her fraud and USAA offers to pay the damage with 2010 estimates, I finally said "OK." they sent me a check with a letter opposite what I was told on the phone, but I cashed it to get this behind me. 2 weeks later their check was returned and deducted from my financial institution.

After reading the stories above perhaps this is par for the course, but I guess I'm an eternal optimist and try seeing all these things as honest mistakes. But on advice above perhaps a report to my state's insurance commissioner would be a good thing for the community. I have heard that the "bad faith" restrictions were removed from insurance companies, maybe they should be restored as this Kafkaesque experience is worse than insurance fraud.

Anonymous
#384514

Yes, it sucks big time that USAA has gone over to the "dark side". And they are now contracting with a company named Marshall Swift Boeckh that sends home revaluation forms (designed by USAA) to USAA CIC homeowner policy holders. They send multiple dunning letters trying to get you to fill in and return the form (even if the information on it is precisely the same as what you have provided USAA each year) and then call you at all hours of the day and evening to get you to return the form or give them your info over the phone. It's just a pretext to either devalue your home (and save themselves big bucks in the event it must be repaired or replaced) or to up your insurance rates. I just phoned the contracting agency AND USAA back to tell them what I thought of this new, underhanded tactic which can only have been designed to enable them to somehow scadge a bigger profit from all of us "ex-military-service" middle class people who they want to squeeze for more profits to pay for their fancy (and false) TV ad campaign. Sorry boys . . . we're middle class Americans and, hadn't you heard, we've already been milked dry!

I've been with USAA since 1968 and, until the past 10 years, they were the best insurance company around. Their auto insurance is still good, although its customer service interface is slipping badly.

Unfortunately, their homeowner's insurance arm, which was also once a reliable agency, is now heavily into scamming by recommending low-balling, poor quality reconstruction companies like Cary Reconstruction Company out of Apex, NC, who nearly destroyed my home when they made shoddy, not to code repairs to major roof, ceiling beams, chimney, dry wall, and floor repairs to it following an ice storm in 2002. The ceiling "repairs" were so poorly done and potentially dangerous that we had to have a construction engineer come in to evaluate them. He ordered the subcontractors (mostly illegal aliens who were poorly trained, poorly paid and barely spoke English) to tear out the ceiling sheetrock so he could see why the decorative beam they were trying to nail over it was teeter-tottering on a low point. Turned out that a ceiling joist/beam had been pushed down approximately 2-3 inches by the top third of a mature pine tree AND a 150 pound concrete chimney cap that had fallen on the roof. Cary Reconstruction's carpentry sub, who'd made structural "repairs" to the roof and ceiling beams, hadn't bothered to jack up the beam and reattach it by joist hanger to the side wall support point. Instead he just planed off the bottom of the beam so it would be even with those beside it and be able to have sheetrock nailed flat across it ! Fortunately for me, he didn't plane off enough of that beam. As a result, it formed a low point, causing the sheetrockers to be unable to nail the decorative beam running perpendicular to it in place! When the ceiling panels were removed to reveal this not-to-code and dangerous "repair", we also found they'd crammed R-33 thick, wall insulation between the beams in the entire livingroom and diningroom cathedral ceiling, effectively shutting off the air that's required to circulate through our soffit vent / roof cap cooled ceiling/roof system. This is just one very major example of the shoddy work this reconstruction firm provided to me. I had so many problems with this company and its sub's that I had to take time off work to be at the house whenever they were there in order to stop them each time they did something else terribly wrong. I have a complete, photographic record of this travesty. And I'm not alone in this experience . . . one of my colleagues at work, and one of my neighbors, both of whom were also USAA members, experienced similar disasters with this company. We all contacted USAA and requested they cease recommending Cary Reconstruction to policy holders in our area, only to find several years later that they were still doing so! Of course they were . . . because that company low balls bids and uses cheap labor so they cost USAA less!

Thus I'm not at all surprised to find USAA making this latest, underhanded attempt to find a way to get its policy holders' houses either down-valued, so USAA doesn't have to pay as much to replace the properties if they're destroyed, or their rates raised so they must pay more money (which they don't have in their pockets to spare) to USAA, increasing the company's ill-gotten profits.

Shame on you, USAA . . . once you were an outstanding insurance company, now you're just as bad as all the other Big Banks and Insurance Mafiosa who have taken over our government and bled the American middle class dry while ruining the United States and Global economies!

Anonymous
#380173

It sucks that you have lost the trust and loyalty you've invested with USAA for so many years. Now you're having to look for a good repritable insurance company you can build your trust in.

The problem with USAA is that they really don't care about the people and their family. IT'S ALL ABOUT THEIR BUSINESS ALONE! I'm bitter because I felt as though they abandoned me and my daughter (kicked us to the curb) when I got divorced from my ex-husband who was in the Air Force. I had banking, and wanted to get car insurance with them.

I was told that in order to get it, I would have to put my then separated AF husband's name on the insurance. But the car was mine - and in my name alone. They refused, so I went to GEICO and have been happy with them for te past 8 years. I still have a credit card and savings account with them, but since I cannot get any other service through them, I'm going to take my money to another bank (Credit Union).

So you are right in taking your business to another insurance company who will appreciate having you and your family. Good luck!

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Review
#277059 Review #277059 is a subjective opinion of poster.
Service
Usaa Claim

Usaa Rude Claim handlers

I had no problem with usaa till today i try and figure out with my claim and why no one has called me, then i have Debra Brown of Usaa, get on the phone as rude as can be. Well she tells me she can fax it i say no cause i don't have a fax, I said well can i fax it to my Allstate Agent. Debra now you have a fax. what happened to no" So i ask if i can give her the number. Debra well no wait till I'm ready. When i ask for her name again she wont tell me, when i ask to speak to a manager or someone hirer up she tells me no.
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1 comment
cohena2
#379419

Learn some proper grammar. Its hard to understand you because we don't speak stup1d.

Review
#276847 Review #276847 is a subjective opinion of poster.
Service
Usaa Claim
Loss
$2000

USAA review in Detroit, Michigan: Auto insurance

I have my auto insurance with USAA. I have always paid my premiums on time and was pleased at how inexpensive they were. I have uninsured motorist coverage for 100,000. I was rear ended by an unlicensed driver with no license. It has been a year and a half and they don't want to pay my claim. I have 7000 in bills. My car was totalled and I was given enough to buy another car two years older. I have a lawyer and they are using pre existing conditions against me. I will have to sue to get paid.
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3 comments
Anonymous
#395737

Dear haha, your definition of a loser is all wrong. Someone who pays there bills, only drives with a license and insurance is not a loser.

The unlicensed drug addict is a loser. I don't care how many lawyers they bring- I am in the right.

I am still in pain and I have the medical documentation to back it up. It does suck to be me because I have to deal with *** like you.

Anonymous
#381807

I sued USAA and won. They were wrong in their practice and needed to be held accountable.

They will try to push it out long enough where you can't wait anymore, but just try to stick with it. It took over a year for me.

Anonymous
#379445

Sucks to be you. Bet you wish you could afford as many lawyers as USAA can! LOSER!

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Review
#276444 Review #276444 is a subjective opinion of poster.
Service
Usaa Auto Insurance
Loss
$100
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...
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7 comments
Anonymous
#425736

I have been a customer for over 20 years and now the scam is hitting with the insurance underwriters. I have no use for USAA and I hope they shut their doors.

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Review
#274805 Review #274805 is a subjective opinion of poster.
Service
Usaa Loan
I had USAA insurance for over 10 years, (for home owners, auto, life insurance) and thought they were competitive in price. My Dad served in the military but I did not. I noticed they escallated their prices often and a lot. After I moved homes, I checked on the...
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6 comments
Anonymous
#1091143

I have lived in my current home for 13 years. The house was built in 1880.

It was last updated in 1973 with new plumbing/wiring/etc. USAA insures my home without problems. We've checked into a couple of other companies, and yeah, some of them are cheaper. BUT, USAA has covered every claim we have had without question.

When my then 7 year old son and 2 of his friends were playing around a new construction home, they found the cap on the newly drilled well was loose. Over the course of those two weeks, the 3 boys dropped all kinds of stuff down the well. It was a 300 foot well, and when the drilling company dropped the pump, they hit an obstruction at 45 feel. They boys had filled the well almost all the way.

The well had to be re-drilled and the cost was split between the three families. I don't know what insurance the other companies had, but they didn't cover any of the cost. Those parents paid out of pocket. USAA paid our entire 1/3 of the cost.

We also insure our cars through them. My wife had two accidents in the past two years.

They covered all but the $250 deductible, gave us more than we thought the vehicles were worth, and have not upped our premiums by a dime. I'll keep them.

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Review
#273783 Review #273783 is a subjective opinion of poster.
Service
Usaa Auto Insurance
In October of 2010, my estranged husband broke into my home and tried to murder me to forgo the divorce and child support. Ironically, I was arrested for self-defense. Self-defense was proven in June 2011. During my 23 days in jail, He then hacked/altered my USAA...
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2 comments
Anonymous
#486801

I had been a member for 25 plus years and went to work for the company. I was very disappointed to see and feel the effects of the gender discrimination that goes on in the company at a lower level.

I've see the board of directors list and the executive list and I find it very hard to believe that they are being made aware of these issue to the extent that they exist. I expect as long as they continue to do business in the oppresive states and do not expand resources to the progressive states, these issues will continue to be swept under the rug. I suggest you get an attorney and fight this injustice to the bitter end because conditions for women and minorities need to improve.

It's a boys club. Women beware....

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Review
#272563 Review #272563 is a subjective opinion of poster.
Product
Usaa Account
Loss
$4300