USAA
USAA Overview
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
USAA has a 1.9 star rating from 684 reviews, 56% would likely recommend. Consumers report high price levels and widespread dissatisfaction with customer service and reliability; most want USAA to offer a solution.
Key Takeaways for Future Customers
- Read recent USAA reviews before switching products or banking.
- Expect to verify identity extensively; membership access can be slow.
- Prepare for lengthy claim or billing resolution times.
Negative Feedback / Risk Areas
- Frequent customer complaints about poor customer service and claim delays.
- Verification hurdles block simple tasks and updates.
- Issues reported with billing, refunds, and unexplained holds on funds.
Positive Feedback
Some members praise helpful representatives, occasional excellent claim handling, and long-term loyalty benefits from membership.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
USAA has a 1.9 star rating from 684 reviews, 56% would likely recommend. Consumers report high price levels and widespread dissatisfaction with customer service and reliability; most want USAA to offer a solution.
Key Takeaways for Future Customers
- Read recent USAA reviews before switching products or banking.
- Expect to verify identity extensively; membership access can be slow.
- Prepare for lengthy claim or billing resolution times.
Negative Feedback / Risk Areas
- Frequent customer complaints about poor customer service and claim delays.
- Verification hurdles block simple tasks and updates.
- Issues reported with billing, refunds, and unexplained holds on funds.
Positive Feedback
Some members praise helpful representatives, occasional excellent claim handling, and long-term loyalty benefits from membership.
Media from reviews
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
San Antonio, Texas
- - Claims process involved multiple adjusters and investigators with delays.
- - Eight months later the claim was denied by email; consider another insurer.
Veterans, please be aware of USAA. They are one of the biggest scams in insurance history for veterans.
Heres what happened to me: when I filed my claim, I was first assigned an adjuster and spoke with them.
A week later, I was given a new adjuster. Two weeks after that, I was passed off to an investigator. Then another week later, I had to speak with yet another investigator. After that, months went by with no contact at all.
I left multiple messages, reached out several times, and got no response.
Finally, eight months after my initial claim.
I received an email saying my claim had been denied.
If you have the time and patience to deal with endless runarounds and delays, then USAA is your company. But if you value your property, your peace of mind, and your hard-earned money, I strongly suggest paying a little more and going with a different insurance company that will actually honor their coverage.
USAA may market themselves as veteran friendly, but in reality, they are a cut rate company offering cut rate coverage.
Preferred solution: The coverage I paid for.
User's recommendation: Stay away from this company. Do not let the low rates fool you
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Pawling, New York
Good Morning I was wondering if you...
- - They're asking about insurance.
- - Dad is a veteran; son in the military; husband on disability.
- - Open enrollment next year; Marketplace taxes owed.
Good morning. I was wondering if you have medical health insurance?
My dad was a veteran, and my son is now in the military. My husband and I need health insurance as I am the only one working, as he is on disability. I myself have been out of work due to a back and kidney infection, and of course, no one wants to help you unless you have health insurance. At my job, I have to wait for open enrollment, and that is next year.
My husband is on Medicare, but PART A ONLY, as I usually carry health insurance. If he gets health insurance for himself, he will be penalized, and checks will be less, which we cannot afford. We have gone through the Marketplace, and due to going to them, we owe taxes, as we are on a payment plan as is. So that hurt us more than helped us.
Not sure if you can help or know of anyone that can?
I am reaching for straws here. My sister mentioned you because of our dad.
- Was told you help family members of a veteran
- You cannot help
Preferred solution: insurance help
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerDear USAA, My name is Carlton J....
I am not one who prefers skipping out on my obligations, but today's Banks, Credit Card companies, loans, finance companies are SHARKS WHO LEGALLY STEAL ECERY PENNY YOU HAVE IF THEY ARE NOT CONTROLLED. USSA IS ONE SUCH COMPANY.
My name is Carlton. I have been with USAA for 11 years, have had loans, credit cards, etc., and am now seeking help from an interested true executive who has the authority to make a logical decision.
I am 80 years old, a widower; my wife died 3 1/2 years ago unexpectedly while we were living full-time in a motor home.
I could not continue with that arrangement without her help, so I left my motor home with a consignment dealer to sell, and I lost $50,000. I then came back to Virginia to live.
I have a personal loan with USAA in the amount of $18,800 at 17.74% interest. I am required to pay $583/month.
I have a $25,000 debt to NFCU.
During the past 3 1/2 years or so, I have incurred $16,500 in unplanned legal bills, loss of my wife's Social Security income, medical bills, and car repairs, and have reached a point that my income will not allow me to continue these payments.
I contacted USAA 5-6 different times over the past 5-7 days and got nowhere, as your junior employees have zero authority to do any real banking.
I explained all the above; I was told to make a new loan application. I knew that this would be denied, and I knew that running a credit report for the application would lower my FICO score, making future banking credit cost me more.
What a corrupt system the banks, credit card companies, and credit reporting agencies run as so-called legitimate businesses.
So finally, with no other option but the credit resolution company of (J.G.
Whitworth) and/or (Accredited Credit Relief) and others who advised me to stop paying this loan. They gave me a 55-month program to pay way less in monthly payments than I am paying you and others, and they would batch up a number of people with financial issues and get a negotiated settlement.
I do not want to do this if it can be avoided.
So what I must achieve is a restructured loan, lower interest to 10%, and a lower monthly payment to no more than $300/month.
Will someone help me at USAA?
Thank you
Carlton
- Too many young non competent employees with no authority
User's recommendation: try to do what is right binspite of the money grabbers.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Seattle, Washington
Resolved: Good afternoon, I am asking for any...
- - USAA prematurely reported total loss to WA DOL before settlement, delaying title; DOL requires a retraction and owner-retained filing.
Cancel this review
Cancel this review.
They need a retraction sent in to remove the total loss
They need it reported as owner retained. Until these 2 things are done nothing can be done to title this vehicle and tabs issued so this vehicle can be back on the road. Please respond as soon as possible, this issue should have been cleared up months ago, the date of loss was June 20, 2025
Claim# 0106478*-***
- Customer relations
Preferred solution: correct their mistake
User's recommendation: saty on them, they put things off
Was it totaled due to repair costs exceeding it’s worth or was there structural damage that automatically rendered it not drivable? You may want to closely read anything you signed with USAA in the owner-retained agreement. Also, rating them one star and posting this on a public third-party site is definitely not helping your cause.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Paris, Paris Department
They have gone downhill over the last 10 years, and seem to be accelerating in that direction.
I have been a USAA member for over 50 years and used to adore them, both for banking and for insurance. However, over the past 10 years, they have consistently gone downhill. Last fall, they sent me a check for $325, out of the blue, with no explanation except a particularly vague phrase that it was 'compensation for my difficulties,' and a note that I could ask for more if I wanted to.
I spent considerable time trying to figure out what this was all about, but no one at USAA wants to explain exactly what this check is intended to reimburse me for. I have therefore not cashed it, in spite of occasional reminders that I need to cash it. I have sent letters to the President of USAA, which are not returned or answered at all, about this.
I also suffered a major identity theft attempt to take over my accounts at USAA in the fall of 2024, which continues at a lower level to this day. I did not suffer any financial loss, but USAA refuses to provide any details about what happened.
In the area of insurance, USAA has turned to the use of insurance credit scores, which are prepared by Lexis-Nexis and use all sorts of junk 'data' to create a junk score. I spent an enormous amount of time and effort going through the data that LN revealed was using to create a score for me and identified a very large number of 'associations' that were completely incorrect. Neither LN nor USAA have replied to my letters about insurance scores.
Overall, I am ready to give up on USAA entirely. I only stay because my wife does not want to give up a 54-year financial relationship that used to be very good. No more.
- Seem to be financially stable
- They
- Insurance ratings are illogical
- Have become opaque about what is happening
Preferred solution: An explanation for the check they sent me, an explanation of what they are doing to fix the mess with the Insurance credit scores, and an explanation of the identity theft attack on my accounts that started in September 2024.
User's recommendation: Stay away. USAA has been trying to become a mega bank, and they no longer care about their customers, which supposedly actually own the company.
USAA and LN did nothing. The check is not from USAA.
The identity theft scammers are waiting to see if you deposit the check (to verify the banking information they have on you) so they can drain your account. USAA can’t verify/explain what they did not send. The scammer is also creating associations with other online sites and businesses in your name as to create a profile of you with information they can verify.
That LN score? Thank the scammers for that.
Replying to
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Sacramento, California
Remove vehicle
4 ways of verifying me was not enough - you needed a password phrase which i never installed. So my business was not completed. And the agent was no help.
Who are trying to protect? Over 40 years of doing business with you is meaningless if you can't complete your business in a simple efficient way.
To *** with you.
Lt. Pieter S Myers - USAA {{Redacted}}
User's recommendation: Don't bother with USAA
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Hancock, Michigan
Communication to resolve ongoing problem
- - Privacy limits caused unpaid bills, canceled insurance, and broken contacts.
- - Val Marie Gorsche Rozich must be contacted to manage the account.
Issue not resolved. Sent a letter to customer service.
No response yet to the letter.An aged parent is not capable of handling the situation. USAA has thus far refused to talk with her daughter who was on a call with the company.
Credit card bills are not being paid. Insurance coverage is being canceled due to nonpayment of the bill.This has been going on since August of 2025.
Please note her birthdate of 03/19/1927. The last four of her SS number are 7632. Bills have been unpaid, insurances canceled, and communications are broken due to privacy constraints. Her daughter, Val Marie Gorsche Rozich, has been a person of record with rights to communicate with USAA about any business involved with the account.
This past fall, Val Marie received a letter from USAA indicating that USAA no longer recognizes her as being on the account. Arvella is soon to be 99 years old. She is legally blind. She can no longer write legibly.
She can no longer recognize when bills must be paid or licenses must be renewed.
Val Marie Gorsche Rozich must be contacted to assume control so that bills are paid and necessary issues are resolved. Please help us.
Preferred solution: Second party recognized so as to complete business transactions like paying bills, making changes to insurance coverage and just plain answering questions.
User's recommendation: trust is questionable
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Hagåtña, Guam
Unable to add my lien holder to my auto...
Unable to add my lien holder to my auto insurance. Its needed or Ill face repossession of vehicle.
It was easy to apply and get approved though its not easy to correct/update your info. Keep getting kicked out before being able to be verified.
User's recommendation: Thread carefully
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Delray Beach, Florida
I have 157,581 points from my Visa...
I have 157,581 points from my Visa card. Is that enough for 1 night - one twin-bedded hotel room at the Hyatt House Orlando Airport on July 3, 2026?
Preferred solution: Full refund
User's recommendation: all was well until giving my credit card no. they didn't accept..Crazy Didn't accomplish a thing after all that...
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Huntsville, Alabama
Verify Information
CSR stated to download app and verify information. There is no option except to use the original telephone number and your social or account number.
I am not able to verify and there is no other option. So I am stuck.
I need to verify who I am so that I can verify my deceased father's information. Help!
Anchorage, Alaska
Resolved: Unable to verify if you have sent or deposited my Membership Rewards payment.
- - I'm a longtime member.
- - I can't see if my membership dividend was sent or who has the info.
- - I spent over an hour being redirected to numbers.
I've been a member for more than a year. I'm unable to see if I've been sent my membership dividend.
I don't know who has that information. I've been over an hour getting sent to one number after another.
Preferred solution: Please verify if you have sent me my Longtime Membership Reward. No idea how much it will be this year.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
East Lansing, Michigan
Nice Job
Did well. I expect a message back shortly.
I don't feel like writing more. 100 minimum characters is a bonkers minimum amount.
Manassas, Virginia
Customer of 25 Years Review
- - 25-year member says USAA no longer serves military or veterans and fights claims.
- - 80% disabled veteran: they overcharge and hire outside adjusters.
As a member of 25 years, I can say this company is no longer the military or veterans. As an 80% disabled veteran, they have done nothing but protect me.
They fight insurance claims, don't represent their clients to other insurers during events, overcharge (their prices are way above maker average), and they don't work for the customer. It's a shame. Wayne Peacock ran the company into the ground when he was in charge.
USAA- our number one job is to hire outside. Adjusters that specialize in saving the insurer money!
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Reston, Virginia
Dear Sirs, My father Col. James G...
- - Col. James G Jolland was a longtime member until 1997.
- - In 1970 I was told I could not get USAA car insurance; eligibility changed around 1972–73.
Dear Sirs, My father Col. James G Jolland was a long term member until he passed in 1997 from parkinson's.
When I enlisted in the US Navy in 1970 i tried to get my car insurance from USAA.. Because I was enlisted you told me that because I was enlisted I "could not" get my insurance through USAA. I was only until 1972-3 when you changed your requirements could I join.
Your latest TV commercial is miss leading. Just thought i would let you know.
- No pros
- Very misleading advertisements
Preferred solution: When involved in an accident I asked a question. I was told that would be practicing law without a license. No guidance. I was a college student, married, with loss of consortium, pain and suffering.
User's recommendation: Be careful when you apply. Every time you make a claim your next premium will go up regardless if it met their requirements
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Philadelphia, Pennsylvania
I’ve been calling every day to have my situation resolved after I was told by the manager she was going to call me the next morning
My vehicle is in the shop being repaired. USAA said it was completed when it wasn't. I'm being charged for a car rental and still don't have my car.
- I have been with usaa over 20 years
Preferred solution: My vehicle repaired and the rental car bill resolved
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Philadelphia, Pennsylvania
Excellent
Great Insurance and service from customer service representative. Prices are competitive but stable and fair.
Holdenville, Oklahoma
Replace a lost payment
I have been a member of USAA a long time. I don't know my pin number and have no luck accessing the system to replace my last payment that your company has indicated it has not received for my homeowners insurance.
User's recommendation: Get a good local insurance company that you can access
About
USAA is a company that was founded in 1922 by a group of U.S. Army officers. USAA is an abbreviation for United Services Automobile Association. At the present time the company is based in San Antonio, Texas. USAA specializes in property and casualty insurance, life insurance, financial planning products, banking, and investments. Company's revenue totals to $13,5 billion. It employs more than 21,800 people. USAA is on the lists of Fortune 200. The company focuses on the customers who are military members and their families. USAA was one of the first companies that started to sell its products and services directly.
USAA is ranked 544 out of 5731 in Financial Services category
USA, Worldwide
Companies Similar to USAA
GEICO
“Accident took place. I explained to a zgeico agent. And she said there was nothing she could do. I...“
Navy Federal Credit Union
“I did NOT authorize Aspire to charge me $788. An agent ran my card without consent. contacts me the next...“
State Farm Insurance
“My car/auto/rental insurance, in which I had full coverage (liability), refused to cover bills or 'build...“
Progressive Insurance
“Well I consider myself an honest guy,so here it goes,I put a claim in to progressive insurance and it...“
Thank You for Your Reply! We are processing your message.
Your comment is successfully posted.
First of all, stop liking your own comments. Secondly, please go the other way and deal with people who told you not to pay.
Calling their junior employees incompetent and the whole industry money-grabbing and corrupt, publicly, does not help your cause.