Anonymous
map-marker Cincinnati, Ohio

USAA SUX HORRIBL CUSTOMER CARE

PayPal sent several charges to my Savings account; I didn't authorize PayPal to do any withdrawals to my account. Nor do I have PayPal. I have called USAA Customer Care, and it's always a new excuse on how they basically can't help me nor do they sound like they care. I have been told to call Wells Fargo, who does the merchant service for PayPal. Then I have been told to contact PayPal, I have contacted PayPal and Wells Fargo Merchant Services several times. PayPal has transferred me to account limitations and the representative there has said the account doesn't match my address or my email address but my savings account information, is on there. PayPal reps advised me to call my bank which is USAA and have USAA file a Dispute or stolen account. I have called USAA and never get any help just call somebody else. Now they have close my saving account, and wrote it off. I have to still pay it back and it is more and likely going to go on my Chex System or credit report. Which is not right, since I didn't authorize any charges from PayPal? I have done everything I can and more, with no help from a Horrible Horrible want to be bank called USAA.
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effusaa
map-marker Tualatin, Oregon

USAA IS HORRIBLE!

We have been members with USAA for years now. At the beginning of Feb. we were hit by a man who was speeding and ran a red light. He was given a ticket and his insurance company accepted fault. USAA is still being horrible! I broke my knee and tore several ligaments in the accident. I still cannot put any weight on my leg, so we decided to enroll my 2 year old daughter in daycare until I can get moving again. We only did this because USAA said that it was covered under our policy and all I needed to do was send a receipt. When I first called to ask if they got my receipt I talked to a VERY rude rep. who informed me that they would not pay for it because its an expense we already had..Umm no I work from 3pm-11pm and her dad from 8am-3pm so she is always with one of us. After explaining this to her I was told I would recieve the reimbursement. Never got it. So I called again this time i was told that they would not pay it because I have an income so I can pick between my lost wages (which I still have not recieved) or child care expenses. EXCUSE ME I should not have to pick from either...I would not be waiting on lost wages if I wasnt in the accident and I wouldnt be paying for childcare either...they are a total waste of money because when you need them most they will turn their back on you....
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Loss:
$20
4 comments
Guest

The USAA claims adjusters are only nice to you until the bills for them come in. Then they turn on you and treat you like rat ***.

I was involved in a hit and run, I was not at fault, and when I made the claim for the accident, an agent told me this would be an uninsured motorist claim, and I would be provided a rental car fully covered. They recorded my side of the story where I was asked more than once if my car was drivable. I said yes, for the most part, other than some new noises I am hearing. I sent her the estimated repair costs, and the next day I asked if they received the documents.

Now, all of a sudden, it turns out I was turned down for a rental car. I needed one desperately because I had to drive a long distance the next day, and did not feel safe driving my car. Not to mention the fact that the body shop manager told me that the car would be in the shop for about 10 days, and I have absolutely no other means of transportation (my husband was working out of state, all my family lives hours away, and my co-workers live on opposite sides of the city). This literally had me freaking out to the point of panic.

But they were so stern and rude to me saying that I would not be approved for a rental car. When all of this is done and my car is fixed, USAA is gone!

Guest

Recently had a fire claim in Alabama . The adjusters are rude and fight you on every expense. In a nutshell, USAA is not your Grandfather's USAA that was honorable and treated people well.

Small example. Every single item in your house down to your socks you will haggle over the price. Yes , I had replacement cost coverage. USAA estimates that the majority of the public will be worn down and take what they are given.

What USAA does not realize is that I will tell everyone I know of my experience and they will lose business to companies that treat people well in times of distress.

Guest

I agree . I recently had a claim and the adjusters are rude and domineering. This involved a homeowners claim.

Guest

Auto covering Daycare - wow, never heard of it.

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Tortuga D
map-marker San Antonio, Texas

Prevented Fraud

I have been banking with USAA for several years. I have never had an issue with them and calling into their service line has always been a great experience. I always get a helpful representative who speaks english and is able to resolve my questions and transactions. Recently, USAA was able to identify a possible fraudulant transaction on my credit card statement and called me to verify. The representative was able to help me determine which charges were legitimate and which ones were not. From there, they were able to reverse the fraudulant transaction. I couldn't ask for more...
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1 comment
Guest

I work for USAA's Fraud department. Just remember - any fraudulent charges are ZERO liability! Thats why USAA is the best!

Melissa H Ptn
map-marker Amarillo, Texas

Declined claim even though policy holder at fault

USAA is horrible!!!! In December I was hit by one of their policy holders who was cited for speeding by police as per witness statement. USAA has decided that they were not at fault and that they will now pursue a lawsuit against me to recover damages to their policy holders vehicle. They have called me and yelled at me many many times. I even had an employee tell me to be quite because he was the one talking not me. USAA has horrible business practices and they don't care that the person on the other end of the line is human and should be treated like one. They want me to cooperate and I have told them numerous times to speak to my lawyer but they refuse.
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Loss:
$3
3 comments
Guest

So, you filed a claim under your home insurance . Why didn't you have the collection insured?

I would call that being penny wise and dollar ***. Funny thing about collections like that, they are really only valuable to there owners. How well was your home defended ? Who knew of your collection?

What kind of hood do you live in? All factors in protecting what's yours and sorry , but sounds like you did little to protect your precious coins.

Don't blame the insurance Co. They insured what you told them to.

Guest

I was hit by a policy holder on April 20th 2012 in a parking lot. Although my car was 90% out of my parking space, and the USSA policy holders car was just starting to back out when we hit.

No damage was done to their car, but about $500.00 damage was done to mine.

I called USSA and gave them all the information the required, but as of today May 7th 2012 I have yet to hear from the claim adjuster. I did however call their claims department on May 1st and another claims adjuster told me that they ( USSA )have determined that no one was at fault.

Still waiting to hear from the claims who took all the information with a reason for their decision.

Guest

Something else is going on here. USAA is great. Lies, Lies, Lies.

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Syrenity Vvu
map-marker Huntington Beach, California

Buy USAA's rude auto insurance service now!

Great product, terrible service. Incident list: USAA hangs up on you in the middle of talking because they are done talking.

That was not a disconnect. They argue with you and are never polite even though you are polite and stating facts only. They sound angry on the phone instead of helpful. USAA has "glitches" in their system which hold up your claim.

This level of services is common with more than one claims adjuster.

The try to charge your deductible even if you are not at fault and have a witnesses and all the information and followed their process (but never end up actually charging it). Retrain your people USAA!

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Loss:
$500
5 comments
Guest

Usaa is on the way out. They have determined at what point in a members career, and at what vehicle age the income available vs the profitability of the account crosses.

After that point they will do anything in their power to dump the account, total the car, refuse the claim. Had a claim at 10% of bluebook, usaa tried to total the car instead of paying for the claim.

Damage to vehicle was 1/10th of 1% physical damage. Due to disparity between body shop labor rates, usaa may total your car for the price of a tail light assembly plus install labor.

Tamesha Wmp
reply icon Replying to comment of Guest-544355

I had a similar accident and my 2018 with 5K miles was totaled for body work. Because there approves repair facility added thousands of dollars of unnecessary repairs to the estimate.

Guest

12 yrs , 3 cars , 3 bank accounts, and a house with USAA . They are the BEST at what they do......

Thru car accidents, house flooding, and divorce, they have been with me the whole way. ALWAYS respectful,professional, timely, curtious,and for their customers. Calling once a week just to see how we are doing and if they could help in any way !

Not until " I " am satisfied are they satisfied. I will trust my life to no one else.

Guest

Hi Pulltype,

I have several issues with your comments:

1. You posted the same comment twice. This is not necessary. Please remove the duplicate comment. This is generally not an acceptable practice on any forum.

2. You have offered no evidence that USAA customer service is outstanding. You make a statement without facts and expect everyone to assume you are correct.

3. You have also admitted that the adjuster may have problems. Again, this does not offer any evidence for or against my claims.

4. You have also made a personal attack against me stating that this is my issue which happens to be against the rules of this site. Also, you also do not have proof of this as you do not know me.

In conclusion, I would expect the users on this site to be more intelligent in their discussion of the topics.

Guest

I find USAA customer service to be outstanding. Maybe the independent adjuster you are dealing with has problems.

Call USAA directly and ask for a different adjuster. Maybe YOU are the problem.

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Daryl Z Ruh
map-marker Somerset, Kentucky

USAA wants to pay me less than half my cars value

I've been a USAA customer for years and have full coverage on all my cars. October 24, 2011 I totaled my 2007 Pontiac G6 which I had for less than a month and they want to give me less than half what I gave for it, because it has a Rebuilt Title which they knew when they sold me the policy, but they dont tell you that. *** if I wanted to take that big of a loss, I would only pay for a Liability Policy and save my money. I have them sued over it and have never settled with them and won't for that kind of money. USAA sucks and I would not recommend them for ***. All about screwing military and Veterans!!!!!!
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3 comments
Guest

You, sir, are a rube.

You paid retail for a vehicle that is valued at no more than wholesale.

So USAA calculated the wholesale MARKET (ACV) value of that junker. I'm sorry you're a poor consumer.

The sad part is they'll probably settle with you just because it's not worth the effort, so you'll go on thinking you're right.

Guest

So if I buy a watch that has Rolex labeled on the front but on the back has Seiko do you think I will be able to sell it as a Rolex?

Probably not, I use to work at a dealership and unfortunatly with salvage or rebuilt titles its buyers beware!

Not only will the manufacture not honor any warranty but try to compare it to blue book value, you will be lucky to get half.

Guest

That's what you get for for buying a car with a salvage title. Sounds like you got ripped off by the seller as most uniformed buyers do. Just cause you paid x amount of dollars for the car doesn't mean that's what its worth.

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Paralegalmom D
map-marker Salem, Illinois

Screwed on Theft Claim - Homeowners Insurance

Our home was broken into and our coin collection that we had in a locked safe was stolen. The value of the collection was in excess of $33,000.00.

USAA wants to only reimburse us $200.00 stating that it is the limit on our policy for coins. For Christ sake, a coin collection is not nickels, dimes or quarters that you have laying around your house because you may not have the correct change for the pizza man when he delivers. It is a collection that appreciates with age. And yet they specify in the policy that you can get reimbursed up to $2500.00 for a STAMP COLLECTION.

Why do insurance company's specify the type of collection. A COLLECTION IS A COLLECTION and that is the way policies should be written. It shouldn't matter if the collection happens to be coins, stamps or whatever else I choose to collect.

WHAT A SCAM!!!!!

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7 comments
Guest

I messed up when I took out my policy we had a major theft and I lost allot of Silver bullion and the coverage is 200.00 dollars USAA has a rider for something like 22 dollars that will cover Bullion definitely purchasing a rider when I re purchase my silver and gold bullion. Another thing is reciepts I never hold onto them but I will now ...

just things you never think about. Live and learn ...

Guest

lesson? Read the policy. Coin collections, if covered, must be documented and appraised.

Guest

Actually You should have had a RIDER on youpolicy if you knew you had contents that valuable, just as I have a rider formy wife's Tennis Bracelet in my office safeand for my Platinum and gold weeding band that when I purchased it 15 years ago cost only 2000 but in todays market is worth 15,000 for the ring alone. I would not expect to get replacement value for coins if they were worth 33k why didn't you get a RIDER for their appraised Value? You appear to be the scammer and the cheapskate; guess you got your $'s worth

Guest

Come on man, you're being ***.

A 33,000 COIN COLLECTION is not something an insurance company can assume you have and reasonably insure against.

You probably went with USAA for their rate, did you think that rate REALLY included an additional 33k in collectible coins? Are you assuming they'll replace your Picasso as well?

It's actually listed pretty clearly in your policy, not even hidden or jammed into an obscure paragraph.

Oh man, you better get those gold bars out of your closet too.

Guest

It is equally the fault of the agent and the fault of the insured here, I think. Agents are trained to ask the sorts of questions that get the most coverage possible, but you must understand that the contract you receive is given to you for a reason. I am sorry that this loss happened and your company was not fully able to indemnify you, but insurance contracts have been written in plain English due to numerous court cases that have sided with the insured in the case of obscure or unclear phraseology. Even if you didn't read the entire contract, the Personal Property portion is probably around 10 pages or so, manageable, and VERY informational - with clearly spelled out headings like "Property Covered," "Property NOT Covered," "Deductible," etc.

At some point, it is the responsibility of the insured to learn what his contract covers or ask if he is unsure. The Valuable Personal Property (gleaned from USAA's site) coverage they carry is known as a Personal Articles Floater by most other companies and a standard floater to their property policies... And I think I'd like to trade places with you if you have a safe in your home with a $33,000 coin collection that you didn't think about asking an agent about when you started your homeowners policy. Even just a couple minutes spent on usaa.com gave me a strong handle on all the policies they carry and why I might need them.

I will say this: if you are insured by USAA you have some sort of eligibility that lets you be protected by a great company. I would keep that relationship up; this situation would have happened at any company, and USAA reps (from anecdotal experience) are well trained to be, if it is all you're looking for, founts of knowledge about insurance, their coverages, and your specific concerns.

Again, I'm sorry to hear this happened. I'm sure besides the $33,000 you suffered an enormous, priceless emotional blow in the loss of that collection, not to mention time and effort. I'm glad to hear no one was home, no one was injured, and you're here to tell about it. I hope the next experience you have with insurance is a better one, and please take a couple moments to look over declaration pages and policy documents - they are your responsibility as per the insurance agreement and if you don't understand them it is your company/agent's responsibility to talk to you until you DO. If they don't, they have failed you and your money is better spent elsewhere with better service. But if you haven't read and asked, please don't fault insurance agents for not being mind-readers. (We try as hard as we can and feel just as terrible when we learn about something like this!!)

Guest

Policies are written with so much fluff it is hard to know what you are really covered for. I wonder why my agent didn't ask me if I had anything like that that I would like to cover, until I called and reported the theft, then he went over other policies I should hold like for my jewelry. Us as consumers aren't trained in those things and it should be the agents job (since they are supposedly trained) to ask us about these other 8 groups of items.

Guest

USAA also offers an extremely inexpensive Valuable Personal Property Policy as a rider to their HO policy that carries coverage for only 8 groups of items - and guess what - coin collections are amongst them! With no deductible and stated value coverage you easily could have had that coin collection replaced for no cost..

Just some paperwork.

And, guess what, dollar limits on some property item types exist on property policies from ALL insurance companies.

You seem to understand that. Why don't you understand that better policies exist to protect your valuables that "APPRECIATE with age" than just your standard, one-size-fits-all HO policy?

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Magic Ldm
map-marker Plano, Texas

USAA BEWARE

In 2009 I had a fire in my detached garage/mancave, it was totally destroyed. I was told by USAA not to worry I had replacement insurance. Here is how it worked: I was told to list each item, date purchased, cost ect: this was done and then told when I replaced the items, to send them a receipt and they would de-value the item based on age and send me a check. Example a 1 year old lawntractor paid $1800 (had the receipt) I purchased a new mower and USAA sent me a check for $550 because that was what the value of the 1 year old tractor was in their mind. It went that way for every item I purchased,sent them the receipt and they de-valued.All in All it cost me $12,500 out of my pocket to replace the items lost. So if you have USAA BEWARE! I was with them for 35 years! But no longer…go figure
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3 comments
Guest

This is the way all insurance companies work unless you get special insurance that pays replacement cost and not depreciated value. Has nothing to do with USAA.

Guest

THIS CEO USES HIS ADMIN ASSISTANCE AND INEPT PEOPLE IN THE "OFFICE OF THE CEO" TO DIVERT LIFE LONG CUSTOMERS INTO A LIFE OF *** AND CONFUSION WHEN IT COMES TO CLAIMS. THANKS MR.

ROBLES - FOR NOT TAKING CARE OF THOSE WHO KEEP YOU EMPLOYED.

ANOTHER GOOD USAA CUSTOMER GOES AWAY EVERY MINUTE. GO JOE!!!!!

Guest

Wow!!! lol- I went through the same thing.

It seems as if once you are retired or out of the "state of texas" we are no longer considered "good stock" since they have already got u "in" they simply forget about you once the checks get cashed but if you need to rely on USAA - you are simply SOL. I have been trying to reach the CEO and keep getting blocked by Christine Dickens (Does not call you back or simply patronizes you as if you are the problem" NEVER USE USAA INSURANCE OR BANKING THEIR CUSTOMER SERVICE DOES NOT CARE TO HELP OR UNDERSTAND.

I HAVE BEENB WAITING 5 MONTHS TO HAVE MY CLAIM FINALIZED. THANKS FOR NOTHING MR.

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Anonymous
map-marker Grapevine, Texas

USAA says they know what it means to serve

Hog wash. As a vet and previous usaa contractor they don't know how to treat anyone. more worried about politics then serving people. They are worthless as an employer. they have a great speach about work and life balance health and so on. more like slave drivers. work you until they cannot get anything else from you. they back stab good honest people and play favorites within little groups of friends. If I knew what I know now I would have never gone to work there. what else can I say other thanit is just *** to work there
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4 comments
Guest

I agree with the slave driving. They always want you to do all this free stuff..like talk to members in spanish .

Were most employers pay for that skill. Offer no discounts on their products for their employees and expect you to sell sell sell with no commission.

Sorry..its a good company but I am not spending 40+ hours for my health. Show me the money and pay me for it

Guest

USAA is number 17 on the Fortune list of top 100 employers. Meant to include this but hit the wrong key.

I stand by the information, and something else is going on here. Maybe fired??

Syrenity Vvu

Pulltype,

Your comment adds no value to the poster's comment. Being a "top" employer doesn't mean this person did not have this experience. Also, if you're going to state something like this, please provide your source or the value of your comment is completely worthless.

The poster provided evidence of the following:

1. Overworked

2. It seems like no reward for the extra works...

3. Bad management

You have done nothing to state these issues are not true. Also, you're rude. I suggest you seek professional help for this condition.

Have a nice day.

Guest

Why is USAA consistently listed as a TOP employer? You are the problem, not them.

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Anonymous
map-marker Dallas, Texas

Usaa terrible financial services

Cannot connect to any of my finanacial accounts. Went through 9 different people & 7 departments & still cannot get to any of my accounts. Telephone promps do not address problem soving only selling business. No personal help that solved a *** thing. Can never talk to a human being. New MY LIFE service is a joke. USAA doesn"t give a dam about you unless you are buying something. You cannot even go to the main building and get a human being in person. They send you to a small room with a monitor screen & telephone. They are great in getting your money but then no service afterward
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1 comment
Guest

You can sit there listening to an automated recording all day if you choose to or at anytime you can ask for a rep. I would recommend you Try the mobile apps ,but something tells my you aren't very Tech savvy . USAA IS THE BEST at all they do, just like the Military they support.

Anonymous
map-marker Trenton, Georgia

USAA left us stranded with no vehicle rude

Was sent on a Monday morning at 7:30 to have an estimate done on vehicle there insured hit us. We were told the car should not be driven. The body shop sent us to get a rental vehicle. The rental place would not give us one since they had not been contacted by insurance company. The USAA had sent in the assignment to the body shop as a liability claim and then said it was only an estimate they had not admitted liability yet. The USAA left us stranded at the rental car place, was very rude and ugly on the phone and then told us to rent our own vehicle. I am so glad I never choose this company for insurance, I just want the car fixed and be treated like another human being.
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3 comments
Guest

We have insurance through USAA. When we got a new car they claimed we were committing insurance fraud because even though we had called and updated our information the person who was supposed to update it negelected to put the car's information in their system.

Guest

I too was hit by one of their insured, two weeks ago, and can't even get a call back from them. I have a feeling, this is not going to go well.

Guest

Must be more to this story. USAA has always been polite on the phone to me, and I have called them many times. I know of no insurance company that will admit liability.

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Jenn S Fem
map-marker Seattle, Washington

USAA rub stamps loans not VA lendable

USAA Mortgage is supposed to be an advocate for veterans and military members. THEY clearly are not. We qualified for a VA Mortgage loan in 2006 - the VA inspector did not actually inspect the property, it was jerry rigged with bad water, black mold hidden, bad electrical, easement issues left and right, no water, septic on neighbors property and the list goes on. When we started to be aware of these issues 10 days after closing and then found out that USAA robo signed our mortgage documents with a water report that was not even from the subject property - we were furious. USAA did not indemnify and revoke the contract - assist us or anything. The property did not meet any of the VA lending requirements that you think USAA of all lenders would be familiar with of all things. So now we have a foreclosure and can't even buy another home. USAA hangs up on us - the VA sends us through multiple transfers until we end up disconnected. We are victims of contract fraud and USAA and the VA cannot even sell the property for $199,000 and we had bought it for $417,000 in 2006. Buyers beware and trust no one, especially real estate agents, the VA and USAA - another greedy corrupt bank.
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2 comments
Guest

Usaa says you must use their appraiser and won't accept a non usaa appraisal done 30 days prior. Btdt!

I'm with you Brutha! Asked for a mortgage from usaa on home just paid off to user mtg company. Refused-said since the house was paid off through usaa, they were unable to remortgage the home. Took a home equity loan from usaa.

6 weeks later, usaa renamed the loan a mortgage without homeowner input and sold the mortgage to Gmac, shadiest mtg company around. Since I was going overseas, I paid the mtg payments 2 years in advance. Got a call from gmac as to why I wasn't making mtg payments on time? Asked them where the 2 years advance payments went?

Usaa kep them and didn't apply them to the account record when selling the mtg to gmac. Took me two years of threats from gmac to get usaa to clear it up. Definitely tells you the pres of usaa certainly has a great handle on his company!

Oh wait! The pres is only at usaa about 30 minutes a week!

Guest

So blame USAA for your choice of inspector or appraiser?! If you were spending that much money on a home, then why not get a second opinion?

Didn't want to spend the money?

Then you want USAA to insure the dump? Penny wise and dollar ***.....

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kfhousus H
map-marker Charlotte, North Carolina

USAA

I have been with USAA for nearly 50 years (my father nearly the same before death. It was the greatest in the world until about 20 years ago when it branched out from auto and home insurance. It's current services outside of auto and home are generally not competitive. In the last few years, it seems the management is pushing volume and I am afraid it is going the way of GEICO out of sheer greed. I have written letters and gotteen B.S. I noticed my just issued annual rebate was the lowest in many years and I am sure that my specialized Senior Discount will be the same. What in the *** is USAA doing millions of dollars in national advertising for? It once was a close association of Army officers with high standards. It is failing and I want a clean-up.
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4 comments
Guest

USAA is no longer the responsible service company it was. Instead, it is milking us across the board.

I wish now I had never kept my financial dealings with USAA--their rates are high compared with several great morally-responsible financial companies.

Hard to recommend them anymore for any service. I speak as a 30-year member.

Jerrica Vgz

One of the best companies in terms of customer service, and competitive products I have ever dealt with. No-fee banking is great, investment services is great, auto insurance great and any time you call, they provide exceptional customer service.

I just opened a home equity line of credit with $0 fees with them.

To complain about the size of the rebate is funny.

How much was your Citibank or Bank of America rebate? LOL.

Christina Vrx

Usaa is much better with the banking than anyone else

So I dont understand the "not competitive" part. They don't charge atm fees or teller fees and you can even get your checks free with free shipping.

I've never had a bank that was actually free. They advertise so the current military, honorably discharged military and retired military and their families know usaa is there and open to them. Its used to be "word of mouth" style advertising because the membership was so restricted but they have opened it to all military now. Thats why they advertise.

my family and I will stay with them forever. Never had a problem when making a claim nor with any of our bank accounts.

John N Mzy

I agree. I switched to AAA a couple of years ago and actually saved money.

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Anonymous
map-marker Spotsylvania, Virginia

USAA

Here's another USAA dis-satisfied customer! I missed my closing date 2 times because of the untrained individuals hired to process my re-financed loan. I wouldn't suggest recommending them . the processor that was assigned to me, never picked up the phone, i would be put on hold at the minium of 12 mins. When I first began the whole process, I was given story and later the numbers and the whole situation changed. I asked to speak to the original personal and got the run around as if the original person was the janitor or some one. I finally decided that I had enough, I am asking for a full refund of my application fee.
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3 comments
Guest

Hi, we were suppossed to close tomorrow and the loan processor just called me and said we were denied. I asked why and she said the income is less than last year.

IT is in fact, not the truth at all!!!!! Can someone help?

Recommend a bank that cares? I am sooo dissapointed on USAA!!!!

Guest

I could have written this two years ago! I am still pissed about the untrained flunkies who answer the phone and are "assigned" to you for the refi process.

My "assigned" person was plain ol ***.

So was her "mgr." He absolutely covered up her mistakes. USAA is not so great.

Guest

The EXACT same thing happened to me. After two missed closings I still trusted them.

They finally said everything was good to go and while driving to title company to sign papers, my phone rang and it was USAA saying my loan was denied!

I was floored. I went to another bank and got the same loan with a better rate in only 5 days.

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Jboy O
map-marker Washington, District Of Columbia

Lacking Customer Service within USAA

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 in this area. Let me explain why. First of all, if you are calling from a cell phone that you need to watch your minutes on....don't. You call the 800 number they provide and they will have you punch in a series of numbers just to talk to a live person unless, of course, you will be beginning a new plan or doing anything involving giving them more money. In this case you are transferred right to a live person. If you have an issue you are placed on hold to press buttons in a combination you hope you get right otherwise when you do get to a live person in the department you thought was right they will transfer you to another department after placing you on a "brief" hold. There go your minutes and time. On 3 separate occasion I was hung up on "waiting patiently for the next customer representative." In order to get a live person on the phone I had to pretend like I was a new client getting a new policy to get someone to answer my questions. Secondly, if you have USAA as your insurance company and are thinking about getting a credit card through them...don't. I will tell you why. I did and I am very good with money but they are constantly ruining my credit because of a credit card I can never pay off. Would you like to know why I can never pay it off? 2 reasons. 1. I started paying it off as soon as I received my first bill. You know what they did on their end? They added a credit card servicing fee of $75 which is added on monthly. So I would pay $100 but only $25 would go toward the card and that wasn't even all principle. I would call them and have to go through the phone process mentioned above and got didn't get anywhere with them. They simply said I must pay it. I decided I would wait until I could get a big enough loan to pay it in full and go with someone that didn't have fees. Couldn't do that because they had already reported me to the credit bureau and nobody would give me a loan with a decent interest rate. Go figure. And 2. When I tried to pay my credit card online as I do with all my bills to keep track of them, USAA placed a restriction on my online access so that I may no long access ANY of my online accounts with them due to this credit card issue. That's right. They were trying to place me more in debt with their company by making it harder to pay for all my other accounts online. It started a few months ago but after I called and finally got a hold of a live person they said that the restrictions would still let me access my other USAA insurance accounts because those "other accounts had nothing to do with the credit card department." Well, as of last week all my accounts were inaccessible online. Again, calling USAA and finally getting a live person, this person simply stated "sadly this is how they are doing it now." This is unacceptable and very inconvenient in my book and just sets everyone up for financial failure in the long run in my personal opinion. Last reason for choosing to go another route other than USAA is the harassing phone calls. As I mentioned earlier. I had a credit card issue. Well, they have no shame in calling you 5 or 6 times a day once an hour, every day until you either answer or block their calls from your phone. Then they will simply call from another line so that you do not recognize them and receive more harassing calls. I have tried to contact them to work out this credit issue that they are claiming is my fault of course. They will not reason with you. They want their money and they don't care that you either don't have it or don't agree with their fees. Well there you have it. 3 extremely great reason to NOT to go with USAA whether it is for your insurance or banking needs. There are plenty of other QUALIFIED companies such as GEICO, State Farm or Allstate to consider and that will work with you. Thank you for your time. Good hunting!
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1 comment
John N Mzy

I used to have USAA while in the military years ago and they were very good. However, something happened to them and their customer service went straight downhill.

Now, I would NOT recommend them at all!!

Any company that requires you to go through hoops to then just wait for someone does not deserve my business. If I have any sort of choice, I dump those kinds of companies and go somewhere else.

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