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I have been with USAA since the 1990s. I have to concur with most here. Their range of services and level of service have deteriorated over time. And they are far from the least expensive on the market for many of their services, such as for interest rates. I have a near-perfect credit rating and have been a customer with them for decades, yet the interest rates they quote me are higher than others. Working with them is nothing like dealing with a local bank at which you can have a personal relationship. Whereas I used to have most of my financial services with them, I am now shopping around.

User's recommendation: ask for specifics and shop around.

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ID
#2306500 Review #2306500 is a subjective opinion of poster.

Could not get insurance through your company

Had never heard of this company till after my husband who was a marine Corp veteran dies at the early age of 46 from a massive heart attack also my father was a Purple Heart veteran of world was 11 I was informed due to the fact that they were both dead I couldnt get your insurance your add on tv needs to tell people if the veterans are deceased do not apply because you only serve veterans that are alive as new clients just thought I would let you know your add is misleading yes Im happy all veterans alive can get this and the ones serving but leave out important information about deceased veterans for the widows and children of veterans

User's recommendation: Pray you can qualify and it is as good as it claims to be.

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ID
#2295510 Review #2295510 is a subjective opinion of poster.
Location
Blossom, Texas

Progressive insurance rip off

To get motorcycle or in my case recreational vehicle insurance through USAA they direct you to Progressive insurance because they don't cover such items. I went along with it for a couple years then my coverage lapsed for 40 days so I would need to start a new policy, no big deal here so far, but since I needed a new policy anyway I did a comparison with other recreation insurance providers and I now pay 40% for what I used to through USAA/Progressive went from $250, to $108. Thanks a ton USAA for looking out for the servicemen and women, it's cheaper without you.

User's recommendation: Don't get recreational insurance through USAA they are just ripping you off.

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ID
#2288876 Review #2288876 is a subjective opinion of poster.

Career

Looking for a career with usaa remotely
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ID
#2286512 Review #2286512 is a subjective opinion of poster.
Preferred solution
Getting a job

Failed to provide funds- lied to us

Stated we were approved for a loan- we set up n account with BBVA bank. Three weeks later called Loan officer , Katrina lied to us again and hung up on us. Called BBVA, they have no relationship with them. Numerous complaints.

User's recommendation: Don’t use them period.

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ID
#2281641 Review #2281641 is a subjective opinion of poster.
Location
Lexington, Kentucky

Add lien holder on homeowner Ins

15 minute hold Waiting for call back

User's recommendation: Gieco.

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ID
#2281463 Review #2281463 is a subjective opinion of poster.
Pros
  • Banking through smart devices
Cons
  • Customer service practices
  • Takes to long every time to talk to some person
Preferred solution
Just need to add a lien holder to my homeowners

Constant and useless shifting of login security

USAA is going downhill so fast i cannot keep up. More interested in pandering to "social justice" and promises of "community investment" than customer service. Login is constantly changing and can't be done on non-Google search engine. Why? Google is the least private of all. Rate USAA F for foolishness.

User's recommendation: Find a local bank.

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ID
#2280380 Review #2280380 is a subjective opinion of poster.

USAA turned my my dead father over to collections.

I am beyond furious about USAA turning my father, a 24 year combat officer in the US Army and 48 year member of USAA, turned my father's accounts over to DCM a "trusted" debt collection agency. My father never missed a payment to USAA in 48 years, and their first step after his death is debt collection. Don't let the commercials fool you; the other thing that USAA cares about is money, not our veterans!

User's recommendation: Don't trust USAA if you're a soldier...they don't care!

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ID
#2274347 Review #2274347 is a subjective opinion of poster.
Location
Mattoon, Illinois

When locked out of yoru account, you must log in to email them

Just that. I got locked out of my account, it happens. But. In order to contact them I must first login. Or make a phonecall, which was not an option. Of course, if I want to use Help in order to search for contact information (postal address, other email option), I must also first login. Which I can't do because my account is locked. After a while, one forgets about the account. Till I get the email telling me of all the advantages to my USAA account. The one I can't login to in order to find out what they are.

User's recommendation: Don't get locked out of your account, or find someone to phone for you.

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ID
#2269165 Review #2269165 is a subjective opinion of poster.
Preferred solution
how do I get my email account unlocked without a phoen

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Verified Reviewer

Terrible customer service

Too automated. I changed my cell and my email due to a pending divorce. USAA has no idea on how to grant me access to my account because they have tied their own hands with their own verification process. I cannot get anyone to find a workaround. Everyone simply apologizes and says there is nothing they can do. In the mean time, I need my account information for a pre-trial hearing, to verify coverage, and to pay my bill. Nor will they allow me to cancel my policy.

User's recommendation: Go with another insurance company that has better customer service. Veterans can find a better deal!

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ID
#2268766 Review #2268766 is a subjective opinion of poster.
Service
Usaa Auto Insurance
Loss
$5000
Preferred solution
Deliver product or service ordered

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Verified Reviewer

Usaa failed to secure my account and left me homeless

Update by user Dec 05, 2020

My apologies on my grammar i know its not the best please try to look past that thank you Still no Justice. I spoke with a Mr.

Gus Garcia and he was not able to answer any of my questions that made any kind of sense. Heres a few he could not answer ...1. Why was my debit card not cancelled immediately once i called in to report this on july 16 2018?2. Why was my checking account never secured, no action was taken to keep my account safeguarded why?3.

Why did usaa continue to honor checks that I had already deemed fraud against my account still being honored after.Questions he did answer...1. How is it that usaa allowed my account to go negative over $3000 especially sense i did not have overdraft protection. Mr Garcia and Usaa answer "theres really no such thing as overdraft even though you did not want it because you chose not to have it you still have it. Really because i never have been able to go negative before .2.

Why on earth would usaa mail out my debit card and pin together to addresses I told them were not mine several times before.Mr Garcia and Usaa answer "well i don't think we actually mail them together what we mean is that you can use the same pin number ."No you actually state debit card with pin mailed to confirmed address by confirmed person. How I never confirmed it.3. You say you are not responsible for anything but yet why are there at least 4 different addresses on my account and some are again never were mine haven't been mine and well just plain wrong. I can continue to go on about the entire conversation about the rest but i think you can see how this ends.

NOWHEREBut i was able to speak to a couple of Usaa's customer service reps clearly neither one knew one to say, I did manage to get one of them to fax me the check images of the fraudulent checks that started this whole disaster, these are the same check images i have been asking for and was told they were no longer available. They were lost they did not have them. Well I have them now and its mind blowing to me how it is that usaa actually let these pass through as valid. what's more mind blowing is the fact that once i confronted usaa about this the customer rep stated to me that usaa and mobile deposits are not set up to identify fraudulent checks or fake ones that no mobile deposit system is able to determine if a check is fake or not.

I dont understand how anyone can say that because that is outrageous. Check numbers did not match. the names were either not my name or completely mispelled. the pay amount did not even match the amount written out.

it is completely crazy .

Ms Vicky Bonney and Mr Wayne Peacock who are CEO's at Usaa are i can only assume are refusing to speak to me to resolve this because i have yet to hear from them . Mr Garcia is now refused to return my emails or calls .Why is that.Should i just give up now or can a lawyer help unfortunetly i cant afford one

Original review posted by user Nov 05, 2020
I was a member with USAA for over 10 years no issues. Until July 2018 when my purse was stolen. July 16 2018 that's when I realized my purse was missing.I called usaa because I was locked out of my account and let them know my purse was stolen along with my ID my debit card my phone and the check I had done a mobile deposit on. That's when I found out that my account was negative over $3000 how I don't have overdraft protection several checks were deposited in my account and then money taken out at the atm. I told usaa my account and debit card had been compromised to cancel my debit card and not to honor any checks coming through because they were fraudulent with the exception of the one deposited on July 10 2018 I told them that all charges after the atm withdrawal of $260 on July 10 were unauthorized charges i filed a dispute so I thought usaa did nothing they did not cancel my card or secure my account and they continued to honor the fraudulent checks . Instead they locked me out of my account I never regained control of my account again I called constantly asking them to please help they refused to give me access to my account I have disability benefits only. They finally did a dispute in August but by then so much damage was done i never recovered because they never secured my account i was still locked out of my account I had no idea what was going on with my account I asked for bank statements only to be denied I called over and over constantly I sent email after email some went thru some did not I was contacted by someone a year later in 2019 who said he worked with the CEO office but he was very vague on his information another person called weeks later. he didn't care this continued for 7 months money was being stolen from my account I called telling them it was not me to please secure my funds stop sending my info to unknown addresses still no access to my account in October they closed my account and then someone reopened it the next day no one knew why and the person who did it left work and never came back. No one could explain that. Since October i never even had a debit card so how is it that usaa tells me I'm responsible for everything I had no access to my account online or otherwise no debit card They Usaa continued to let the thief steal my money and what the thief didn't take usaa did I had employees say that usaa messed up they should of switched my account but they kept the same account that was compromised they did not secure it . Their reasons for stating im responsible is no pin fail no pin change of course you sent my card with pin number together to the thief same geolocatoion of course you sent them my info card pin number multiple limit increase on my phone yes they stole my phone. They said they sent it to a verified address and verified delivery verified by who not verified by me. Merchant verification by statement of charges. I asked for that never received it they refused. All of which can not be used to deny a claim . I asked for all the information they used to come to this decision month after month finally 2 years later they send me bank statements that have wrong info wrong address they put my ex-husband on the statements we haven't had an account together since 2014 so I know they were made up after the fact and they sent me 4 pieces of paper with different claim numbers and the reasons why they denied me which i stated they can't use as a reason Its a mess I don't think they want me to understand it So if I called usaa told them of the fraud they locked me out of my account they did not secure my account they continued to allow the thief to steal my money they stole my money I did not have a debit card I never regained control of my account again and they did nothing isn't that where my responsibilities ended and they became completely liable for all the damages that followed. Because of usaa failure to secure my account I lost everything I have been homeless because of this and no one at usaa seems to care one single bit so please someone help me I've tried everything All I want is to have my account reopen all monies returned that was stolen through fraud the money that usaa took out of my account from July 11 2018 thru March 2019 which is when I did not have access to my account and no control of it or debit card I don't even care about fees or interest or an apology I just want my life back my money I worked hard for. I did everything I was supposed it didn't change anything they still have my money and I'm still homeless

User's recommendation: Do not bank with them they have several violations.

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ID
#2267206 Review #2267206 is a subjective opinion of poster.
Product
Usaa Checking Account
Preferred solution
Full refund

Poor customer service

We have been a USAA customer for years. They have recent become difficult in handling car claims refusing to handle damage resulting from our car hitting highway debris. They have not listen to us and have not accepted a claim which in the past they would pay on. They used to look out for their customer, no longer.

User's recommendation: Do not consider this company.

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ID
#2265840 Review #2265840 is a subjective opinion of poster.
Location
Santee, California
Service
Usaa Auto Claim

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Verified Reviewer

How I was treated at USAA

I am the claimant ..their insured hit me. Did the steps USAA told me to do and 3 weeks later had not heard from them. In the system it had different remarks and they cancelled my car rental to pay. Their quote came in $328.00 less then where I was taking my vehicle so we had to negotiate in lieu of doing it correctly the first time. USAA hopes I would settle for less that it actually cost to repair my vehicle. The customer service rep was so rude and condescending . I would be embarrassed if I treated anyone in that manner. USAA may be good for their own, but for non insured claimants awful!

User's recommendation: document everything, take pictures, write down times you talked.

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ID
#2263208 Review #2263208 is a subjective opinion of poster.
Service
Usaa Claim
Cons
  • Anything about customer service
Loss
$350
Preferred solution
Apology

Displeased with phone access

I have tried six times to contact an agent with a question concerning homeowners coverage. After six attempts I give up.

User's recommendation: Possibly get a number for homeowners insurance.

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ID
#2261097 Review #2261097 is a subjective opinion of poster.
Preferred solution
Provide a phone number for homeowners insurance agent

Billing

My mother just passed away but long story short I knew I didnt have funds in that account so I still made payment with another card. The system took me off the COVID payment arrangement and I reached out and I got a dry response even if you still make the payment the system will kick you out and you have to make the full payment of over 1000 And its nothing we can do. If this is how you treat your customers and veterans I dont want to be part of USAA

User's recommendation: I have no good words.

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ID
#2258341 Review #2258341 is a subjective opinion of poster.
Service
Usaa Auto Insurance
Pros
  • Normally very easy to get things done
Cons
  • Lack of any sort of human response
Loss
$1100
Preferred solution
I should have never been taken off the payment plan