USAA - Banking

Something has happened at USAA, I'm not sure what is going on. I have banked there for 15+ years and have auto, home, and life accounts there as well. This month, after using mobile deposit for more than a decade, they started putting ALL deposits on hold, and at large percentages of the amount deposited. I'm a small business owner and have always deposited large amounts into my USAA account. Today they put a $495 check on hold for five days at 100%. I'm all done. I have asked for help about ten times and each time they refer to the "Depository Agreement" I entered into when I opened the account. Ok, thanks for that, super helpful. My advice, move all your money to Wells Fargo. You'll have easy access to your money while receiving terrible customer service.
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2 comments
Anonymous
#1332936

AW HECK,I TRIED TO GET A SIMPLE ANSWER OVER THE PHONE ON WHY I HAVE A O BALANCE OWED IN MY BILLING WHEN I KNOW THAT I OWE 599 DOLLARS.THEY KEPT TELLING ME THAT THEY COULD NOT ANSWER ME BECAUSE THEY ARE UNABLE TO IDENTIFY ME.EVEYTHING HAS GONE TO HOLD.I'M FINISHED.THEY ARE ONE SNAFU OUTFIT.THANK GOD I DON'T NEED THEM.

Anonymous
#1332084

Wells Fargo would be among the worst options -- read the news. Use a small, community bank or even better, a credit union.

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ID
#1051272 Review #1051272 is a subjective opinion of poster.
Product
Usaa Check Deposit
Reason of review
Poor customer service
Preferred solution
Change

Usaa - Check Deposit Review

1.0
Details
I recieved a fraudulent check that I did not know at the time prior to deposit that it was a fraud. After the deposit and the check was found as a fake they locked my account and my funds from me even though I have money other than the check that was deposited. I've called time and time again in attempts to reach a rep that would help me unlock my funds but they said they have to wait on their fraud team to release the funds to me. I'm being penalized for something I'm a victim of. By the way I didn't spend any money i didn't have.
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2 comments
Anonymous
#1284619

I am in a similar situation. I received two $600 money orders from my tenant for rent.

I deposited them and a few days later they deemed them fraudulent MOs. Did not tell me and my auto pays were all declined because my account was frozen. These were not fraudulent either... I even did all of their work for them, gave them the Sun Trust bank branch they were purchased from, I went to the bank myself in person with the MOs and they checked them and they are legit, and even showed me in their system they were good to go with no note of anything fraudulent.

They stated I deposited fraudulent MOs and froze my account and also shut down my online banking profile.

I have been given the run around all week, no call backs as promised going on 4 days, and they also charged me a $20 returned payment fee for THEIR car insurance!!! WTF!!

Anonymous
#1276651

Difficult to believe in this modern world that a surprise check did not make you think "fraud." If you had taken this check to a monster mega bank to deposit in person, you would have been arrested and taken to jail.

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ID
#997575 Review #997575 is a subjective opinion of poster.
Product
Usaa Check Deposit
Reason of review
Problems with payment

Usaa Check Deposit Review from Red Lion, Pennsylvania

1.6
Details
Been a member for three years deposit transfer 700.00 dollars in my checking like I do every two weeks now the put a hold on it cause they say it's because my average deposit for the last month was lower then 700.00. Never had a bounce check made my payments on time for my Usaa credit cards but still put a hold on my account for four business days what a inconvenient it made for me to pay bills talked to a couple people not would not lift the hold so when I get my cards paid off going to enother bank
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ID
#892152 Review #892152 is a subjective opinion of poster.
Location
Red Lion, Pennsylvania
Product
Usaa Check Deposit
Pros
  • Usaa back in the day
Cons
  • Complete lack of customer service
Reason of review
Problems with payment

Usaa Checking Account Review from Fort Myers, Florida

2.0
Details
Here is how backwards USAA is. I can not deposit a check into my account because they no longer use UPS and they do not have any physical locations. So when I tried to do the online deposit I was refused. They said it was because I do not use my account enough and I had 5 over drafts in a year. Please some one make sense of this for me!?! First I transfer money into my account on a regular basis several times each month. Why would you not offer the online deposit service to everyone if you no longer let customers use UPS to deposit or have physical locations. Also letting customers deposit online without signing up for that service without restrictions would eliminate any account issues and would make you a real bank. USAA says to customers "do you have another bank you can use", why would you send business to a competitor instead off just taking care of your customer? Like I said, USAA is backwards.
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ID
#874558 Review #874558 is a subjective opinion of poster.
Location
Fort Myers, Florida
Product
Usaa Check Deposit
Reason of review
Problems with payment
1.9
Details
So due to my max limit for a Mobile Deposit was $1000 I was forced to mail my check to San Antonio TX for deposit! I sent it overnight for the $28 and they received the check at 930 am. I called customer service to find out when the check would be deposited and I'm...
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3 comments
Anonymous
#1173159

More lies about USAA, an outstanding company. Fired former employee?? Also a great place to work.

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ID
#865549 Review #865549 is a subjective opinion of poster.
Location
Garfield, New Jersey
Product
Usaa Check Deposit
Pros
  • Customer service very nice
Reason of review
Poor customer service
I have been a Member with USAA since 1997. I will no longer deal with these condescending snobs. I deposited a check for $1500.00 thru easy deposits provided by UPS. USAA has never put a hold on my checks until now. This particular check has a 7 day hold on it. I...
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ID
#833117 Review #833117 is a subjective opinion of poster.
Location
Stilwell, Oklahoma
Product
Usaa Check Deposit
Reason of review
Order processing issue

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