USAA

I have been a member for over 40 years and their service has significantly degraded. I have a home equity loan that I needed to extend the payoff period with. I have been paying over the minimum amount the entire time by allotment. I was immediately rejected with the reason being I couldn't afford it even though the new payment would have been basically what I have been paying. I emailed the CEO but didn't even get the courtesy of a response. This is no longer the company I joined years ago.

A big chunk of metal fell off of a truck right in front of me as I was driving. I ran over it because I couldn't swerve to either side as I was in the middle lane of a 3 Lane Highway with cars on both sides. It destroyed my car and they had to declare it a total loss. USAA recorded it as my fault sighting failure to yield, resulting in three points taken off of my driving record. Of course, they doubled my insurance rates. This is untrue and one of their agents told me that since they totaled my car, they wanted to recoup the money by doubling my insurance. I have been a member of USAA for 48 years and have never been treated so poorly.

I spoke with another insurance company in my town, and they were appalled that USAA had not categorized it as a road hazard as that would have made it not my fault. I am unsure about what's happening with USAA. I understand they are facing financial troubles and are millions of dollars in debt. Perhaps this is their strategy for recovering funds, by treating their members poorly. Moreover, when I informed the USAA agent that I had consulted another insurance company, he accused me of lying. He also did not believe me when I said that another USAA agent had explained USAA's method of recouping money was by raising my insurance rates because they had paid out my car. I have been a member for 48 years. It is sad to see how this company has deteriorated.

Sold a 4 wheeler to someone who transferred the money into my account then after picking it up somehow took the money and transferred to a couple different accounts when I disputed it they sent me letters saying the dispute was resolved in my favor all good right WRONG the very next day my account was 3600 dollars negative they not only took back the credits but allowed this person to dispute the deposite of 6320 dollars and took that out of my account as well they also filed two disputes through venmo that I didn't authorize during all of this which froze my account and my entire paycheck I had deposited bc of the bs with my account going on was not able to be touched my power was cut off lost my RN supervisor job bc I didn't have money to get to work and could not take care of my two kids. Expressed this all the way to the CEO team and this after almost two weeks is still not resolved cant get anyone to call me back or cancel the dispute with venmo so I can get my electricity turned back on they don't care. Going to get an attorney to help me since clearly I've been put in this situation bc of usaa

We are veterans. They claim to care, yet they violated their fiduciary responsibility to us and allowed us to be scammed. People made a claim against us for a near miss in an intersection.
There was no accident. USAA claims agent Katie Dahl denied the scammers' claim. She sent me to a body shop so she could have pictures and measurements proving there was no accident. The scammers had photoshopped photos, and the claim went to arbitration. There should be no problem because the body shop evidence proved that our car was not involved in any accident, ever. BUT. Katie Dahl NEGLECTED TO PROVIDE THIS EVIDENCE IN ARBITRATION. She provided nothing. So we lost, and I am charged with being 100% responsible for an accident that NEVER HAPPENED. The California Department of Insurance has been trying to have USAA do the right thing. They cannot make them but only encourage.
USAA has chosen to protect themselves and not revisit the arbitration. To say they failed us is an understatement. What they did should be illegal - their negligence and incompetence are staggering, and their refusal to rectify the situation is appalling.

Spent 6 hours trying to resolve an issue. Didn't get it resolved, got hung up on several times, got a temporary password that didn't work, tried calling again, but now they will only verify my identity by text, even though we did it several other ways, the many other times I called today. So now I can't access my account, get help from them, or anything, until I buy a cell phone so they can text me. Even though we did it several other ways than text, before. So now, I can't do anything. I can't access my account, I can't get help from them, I can't do anything. At all. So much for helping vets and being about helping veterans.

Unfortunately usaa was a great company, clearly they have forgotten who they are and in todays world that means they will never come back. The rate are not even close to being the best anymore. Literally pick any other insurance company for rates that cover more and for better pricing.

I have done business with USAA for years. Suddenly they reported me late on my credit card - falsely. I called their frustrating automated system and it said no balance at all - nothing due. So i waited on hold for a real person - they apparently were working from home and didn't know what to do. She just dropped me into another phone que without telling me a thing. Rude. The next person put me through the whole ID process again and couldn't find a thing but said from her script over and over "USAA reports accurate information."

I contested not being allowed to speak to someone and said I would not just go away. She then put me in a 10-minute que and asked if I was sure I wanted to wait - trying to get me to drop out of fixing my credit report for their errors.

They repetitively sent me to collections department which said i have nothing in a balance and nothing past due. They would not help at all to correct their problem and sent me away to the credit reporting agency which they provided false information to.

Don't waste your time. If you don't need to worry about claims they're great. As soon as you get into an accident and you need them to do what's right, good luck.
Been without a car for 2 weeks on a not at fault accident because they dragged their feet and then they don't reply to calls or emails. As if they are closed from the 18th through Christmas. Get this, my accident happened 11/3, after several calls between me and USAA and me and the auto shop, it was finally deemed as a totaled vehicle on 12/1.
On 12/4 I received notice of the value and that left me 4 days to return my rental. Because they gave me 7 days starting the 1st When they told me it was totaled but said nothing else. My bank is still waiting for payment to finish paying out the vehicle so I can purchase a new one. Today is 12/22. You really want this insurance company?

After my mom had a few accidents after my dad passed away (non-serious), USAA decided to cancel my mom's insurance despite her being a USAA member for 54 years. I thought they were better than that, but it seems they are not. The company used to be top-notch, but it appears that since they have tried to grow their business over the last 30 years and spend exorbitant amounts on advertising, they are all about money, not service.

USAA Banking allowed a total stranger to call them and say they were the owner of our account. This individual then gave them their name and email address, and USAA provided them a pin to access our accounts and transfer $5000 to another account at another bank. USAA admitted it was questionable when pressed about it. They NEVER informed of us and we only noticed because taxes are coming due. Even after we notified USAA, they allowed the funds to go through. So now we are out $5000 and it can take up to 90 days to (hopefully) get our money back. USAA has truly gone downhill in the decades we have been members and I strongly urge caution if you are looking at using USAA banking. Their security is pathetic at best.

I have provided every receipt they have asked for regarding hospital care after a car accident, but they won't pay because the hospital isn't giving them the "right code"...not that they are not giving them any codes, they are, just not the format USAA likes. The hospital doesn't have those codes. USAA said they would call the hospital and request them, but they never did. Never called me back. It's been a year of stalling. Online reps name is/was Lori...no help.

11-year USAA member here. We have checking, savings, 2 homeowners policies, 4 auto policies, 1 personal property insurance policy, 2 auto loans, and a credit card with them.

We purchased mold endorsements with our policies at the time of creation. 2-years ago, we repaired a plumbing leak behind our washer and dryer, and confirmed there was no mold damage. When replacing floors recently, we discovered mold on the baseboard extending onto the studs surrounding the area where the leak occurred.

After filing a claim with USAA and providing proof of repairs, pictures of damage, professional inspection, and testing results confirming the source, our claim was denied because it was not filed within 1-year of the original leak.

This mold policy is worthless, and we've been financially raped by these crooks for over a decade. We will be promptly closing all of our accounts. USAA won't steal another penny from us.

Do NOT bank with USAA. They have had all of my money in their bank for 8+ years and now they "can't verify" me and I have zero access to my money or accounts for the last month. I have done everything but sell my soul to the devil to gain access to my accounts, I can not even access my homeowners insurance policy!

I've been with USAA insurance since February 2011 and banking since mid 2017 and after my experience and being low balled to the point I can't replace my vehicle with the exact same vehicle. It's okay cause I'm done with USAA if you have these reruns leave immediately they will have you doing their job and give you the run around now. USAA stands for Useless $#*!ty $#*!s Always I'll never use them for banking or insurance I've already switched to Chase Bank done with USAA on banking. When I get my other vehicle I'll be getting new insurance company as long as it's not USAA.

I joined USAA in 1968 as a new USAF Officer. I was a satified member for 30 years. Live helpful people handled my phone calls. Rates were lower than other carriers, even mutual companies. I recieved a Subscriber Share dividend (rebate) each year. By 2000 USAA started to loose its way. The burearcracy grew. Advertising skyrocketed. The company lowered qualifications for membership. USAA started branching out into new areas. Then came NFL sponsorhips, sky boxes, and company jets. My rebates shrank.
Three years ago I had to file a complaint with the Insurance Commissioner and threaten a lawsuit to settle a $6,000 claim (one of three in over 50 years). My five vehicles are now with a small independent and surprise, Allstate: Lower premiums, better service through local agents, and no problems.
The double dipping Generals who run USAA do not care about the rank and file.

We've only been with them a year but each time I've dealt with them, it's been smooth and positive. The representatives on the phone are knowledgeable, professional and quick - three combination traits difficult to find these days. I was with another insurance group for more than 25 years but decided to switch to USAA after reading all the kudos they were receiving from members (truly the best source) and relevant business magazines.

Do not ever deposit any type checks because they will put up to a 10 day hold on them. They say it's because of the system. Well, the system is broken and it never supports Soldiers branch in Fort Campbell has closed down veterans. I feel even more sorry for them. They do not care if they are being an inconvenience they just want to keep making money off of us. I could understand if you had a bad history for checks and they would not honor them and wait but they do not even reach out to the check issuers to verify the funds. I've been with him for over 20+ years I am leaving.!

I have been trying to open a checking account with usaa for a month now. I sent in all my paperwork necessary and they are so incompetent that every follow-up call I was told the very same thing. They are terrible at their job and I would never recommend them to anyone.

USAA *******722 auto insurance customer service reps are a joke. I can call 5 times and ask to speak to a manager, and all 5 times the customer service reps will tell me their opinions about what I should do instead. Unfortunately, these people lack training and have no idea what they are talking about so their opinions are always wrong. They also love to put customers on hold if they can't answer the question. Luckily, after 20 minutes the system auto ends the call with a performance survey. Just let the phone sit on speaker, and give them a bad rating.