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I work for USAA and I can rest assure you. That you are 1 in a million. I prcess about 1oo loan a month. Some are easy and some are very hard and frustrating. It sunds like there was a miss communication between the originator, processor and management. Even more so a...
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6 comments
Anonymous
#260133

TuWow do you have spell check? Usaa is really bad for hiring you. You have single handedly proven to me how bad the company is by your lack of spelling GO GET A DICTIONARY!!!!!

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Review
#187085 Review #187085 is a subjective opinion of poster.
Service
Time line: March 2010- pre-approved for $210,000 mortgage, no contingency April 2010 - pre-approval recalled due to contingency April 2010 - pre-approved for $210,000 mortgage with contingency to sell or rent my home Rented my house April 2010 - loan denied due to not...
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5 comments
Anonymous
#166238

really

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Review
#186432 Review #186432 is a subjective opinion of poster.
We are getting our first house in 11 years. We have excellent credit; combined income over 200K; no debt. Our USAA loan processing has been the worst I have ever seen (admittedly, I haven't seen much else). I really did not expect their handling of our loan...
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93 comments
Anonymous
#682321

My wife and I refinanced our home in San Antonio Texas a few years ago. When we bought our home interest rates were falling ( 2000 ) to all time lows at the time.

So I took an ARM 3/1 and the rates just kept falling to 1%. Even when they started to inch back up the spread was big enough to keep the ARM. In 2009 we finally refinanced and took some cash out to pay off some high interest credit cards. The house is worth 200,000 and after the refi we owed 125,000.

USAA did the refi in a New York Minute! It was a 6.0%fixed note. Now I owe 110,000 and want to refi for a better rate. Our scores are in the high 750 to 780 range.

In March I applied with USAA, after all they were our lender! I was talking to someone in Colorado after overnighting all the documents they asked for I was told that everything looked great. Then they start asking for 2 years tax returns but they could not tell me why they needed them! My wife and I are both retired and I am a 100% disabled veteran.

They know everything including what I had for breakfast so they did not get my tax returns. In talking to other lenders they were just incompetent. We were never advised that they had denied the loan! The other lenders that I have talked to told me that " why would they want to lower the rate of someone who was paying off their loan early and was always on time with their payments!".

I do not recommend USAA as a lender. If they thought I was paying down my loan before just wait and see what I can do in the next five years!!!

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Review
#175900 Review #175900 is a subjective opinion of poster.
Service

USAA keeps changing the rules of Mortgage Modification

The mortgage modification program (MMP) was devised to help the consumer keep his house. USAA doesn't want to modify the mortgage you have. After starting the process, they lost my paperwork, then the found it, then they asked for the same documents again, then they asked for additional copies of the same documents for a third time, all over the course of four months. The process was only supposed to take less than thirty days and here we are four and a half months later and now they want to see more documents. I'm over USAA mortgage... I'm going to re-fi with someone who gives a *** about those of us who fought for freedom but not the freedom of banks to screw us! Watch out USAA when the economy comes back, you won't!
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2 comments
Anonymous
#697307

I had exactly the same document handling mess with USAA when I tried to refinance. They kept shifting me from one representative to another, and they dragged the process out so long that my rate lock finally expired. It was almost as if they were doing it on purpose so I couldn't refinance...

Anonymous
#126547

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

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Review
#175396 Review #175396 is a subjective opinion of poster.
Had a house fire approximately two years ago. Total loss. Still waiting to settle on personal property. Had to file suit against USAA, they hired high price outside attorney's who are delaying a speedy trial/resolution. Also throwing up smoke screens every...
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5 comments
Anonymous
#384021

Raised my Home Value and Deductible - Your home replacement cost was raised because materials, labor, etc for your area have gone up. Your deductible is a percentage of that total cost. You can't seriously expect any insurance company to insure a 2011 home at, for example 1980's home prices.

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Review
#173595 Review #173595 is a subjective opinion of poster.
USAA Mortgage Dept employees treatment to customers is HORRIBLE. We are hardly able to get hold of our LOAN SPECIALIST. On top of everything we leave messages on her voice mail and she never returns our calls. We had to keep calling and when we are able to get hold of...
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7 comments
Anonymous
#356415

We recently had a terrible experience attempting to acquire a loan. Unreturned calls, late requests for information, and general lack of response to our needs.

We grew so frustrated with the poor customer service that we went an alternative route. The service has gone downhill and although we have been members for over 30 years, we will not go there again.

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Review
#173155 Review #173155 is a subjective opinion of poster.

USAA Finance Co Woes

I am another member that has had problems with an auto loan. They even towed my truck with no notice or calls!!! Turns out they applied my payment to another members account. It took me an entire day at the bank with my other bank manager on the phone to straighten this out. They then told me I had to pay the towing fee. After an ugly scene in the bank managers office, my truck was delivered back to my house. They then followed that up in the last few months with calls stating they never recieved my payment. I had gone to the bank and paid cash. Thank God I saved my reciepts. Back to the bank...reciepts in hand to prove I had made my last 2 payments in cash, in their lobby!!! What in the world is going on? I never really got a clear answer about what happened that time. I did recieve a letter saying that they were sorry for the mixup. I am changing banks. I would not, do not recommend them to anyone.
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1 comment
Anonymous
#303549

This company is a joke and very unprofessional. They have no problem with committing fraud by calling my insurance company pretending to me and requesting that information be faxed to them without my consent and I don't even a car financed through them but my son does.

You'd think that they would have the decency to ask me for a copy of my insurance since I am the primary owner of the policy instead of sneeking around and lying about who they are. Beware of these violaters because they are very shady characters and are liars!

Review
#171817 Review #171817 is a subjective opinion of poster.
Service
Loss
$34
I had 4 different people, one a supervisor tell me different things today. The integrity of USAA is no longer. I spent over a hour on the phone starting a loan appt for a home we wanted to make an offer on. I told the agent up front how we planned to rent out our...
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33 comments
Anonymous
#659645

Don't you ppl have better things to do than gripe and complain. Go to another lender, go to a nursing home and help.

Get acquainted with family members that have been placed there by their loved ones some poor patients forgotten. Do volunteer work and stop being so dramatic. As a well educated multi-degreed individual of Hispanic and Native American Heritage that speaks several languages, I deplore the fact you LUMP and classify most all of us as "Mexicans". How do you know?

Have you checked their papers for their Country of birth? The culprits are the entities that hire these so called "Mexicans". Yes, sadly the hiring begins from the Federal, State and City levels. These 'Mexicans" are dehumanized, mistreated, underpaid and threatened with deportation if they attempt to report their greedy employers.

I speak from experience, trust me. If all of these 'Mexicans' are deported who will do your dirty work? I dare you to see the movie A Day Without Mexicans that was made in the USA. I believe that is the title of the film.

Get educated and out of your negative window. P.S. I say this with love.

Lastly, don't forget we were there to help you survive and to this day you continue to take our livelihood just as you took our Country, God help us all. Remember, you can't take it with you.

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Review
#170003 Review #170003 is a subjective opinion of poster.
Service
Loss
$50

USAA- The best!

Love USAA insurance and banking products! They are truly the best. I've been with them since 1993 and have never been so well treated and received such quality products and pricing from any other. Very pleased! (No, I don't work for them nor do I know anyone who does). Honestly and A+++ company who cares about their products, service, and clients. I appreciate their quality products, service, and pricing. And, like the fact that if I need to speak to one of their representatives, I can actually understand them! Thank you USAA. I gladly recommend you! You have proven you are the Best!
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1 comment
Anonymous
#112694

I've had USAA since 1965 and I couldn't be more pleased--they were there for me when a moving company wrecked all of our belongings and were there for a couple of other claims for home and auto. Even when my credit card number was stolen last year--they promptly handled everything. I think they are absolutely the best company.

Review
#169884 Review #169884 is a subjective opinion of poster.
Yes i am writng because USAA canceled me after being with them since 1996. i have only had two claims filed in a 13 yr period. they said since i been arrested before they no longer can insure me anymore. Well I think they should ask that question before they take ur...
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17 comments
Anonymous
#972781

I think this person is only telling half of the story of why they are being cancelled. Come on now, what type pf criminal act did you commit that caused you to go to jail? Be honest and stop trying to slander usaa because of your poor choices that you made.

I am a proud usaa auto insurance policy holder since 2009 by the way.

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Review
#168903 Review #168903 is a subjective opinion of poster.