I have been a USAA member for more than 35 years. They USED to be the best at everything they did. Unfortunately, except for the insurance, they are seriously declining in quality - especially in the customer service area.
Without going into VOLUMES of information, suffice it to say that the mortgage department violated regulations related to a refinance request on my home. When I complained, not only did they not back down, but I have now been TARGETED!
Since my complaint they have blackballed me with other mortgage lenders, closed my bank accounts without notice or reason and refused even the courtesy of a response to my queries as to their reasons for these blatant abuses of a long-time loyal member.
I will keep my insurance because that is still the best option out there, but I am rapidly moving my banking and financial investment business elsewhere.
I am truly sorry that this institution which has protected and served our uniformed heroes for decades is becoming just another uncaring money-grubbing bank.
I have been banking with USAA for years and have been happy with their service. However, recently I have experienced a couple issues of concern. My most recent circumstance involved a deposit that disappeared. I received a deposit from Coinbase into my USAA account. My USAA account reflected a Coinbase deposit as currently available in my USAA account. Later that morning I noticed USAA returned my deposit to Coinbase and assessed an overdraft fee to my account. Upon contacting USAA I was told that the Coinbase transaction was a withdrawal to my account instead of a deposit. I knew this was incorrect as I had not made any recent purchases through Coinbase; however, I was expecting a deposit from Coinbase into my USAA account. The original entry reflecting a deposit represented the correct transaction and not the changed entry to a withdrawal. The USAA representative credited my overdraft fee and instructed me to contact Coinbase customer service. Because I had more unanswered questions regarding this matter I contacted USAA again. This time I spoke to a supervisor and I was informed that the Coinbase transaction was not a withdrawal on my account, but instead two attempted deposits into my account from Coinbase on separate days. I was told that Coinbase had insufficient funds when making the deposit attempts. I have never heard of a business operating this way before. Why would a business proceed with a business transaction that involved a deposit, knowing that they didnt have the funds to cover it? I feel that any business would wait until they had the fund first before proceeding with such a transaction. I have contacted Coinbase and waiting to hear back from them as well. I would like to know if anyone else has had similar experiences with USAA. If you have, I would like to hear from you.
I have been a loyal customer of USAA for 17 years. Never forgot to pay any of my creditors but one time for whatever reason they did not get a credit card payment...rather than call me, write me, etc to notify me they did not get a payment- they closed my card!! When I called, their explaination was that they were so worried about me missing 1 payment that they called my creditors and was told I was a credit risk. BS!! I have an R1 rating (pays as agreed) with all my creditors so how is that possible they called and got an unfavorable rating?? Especially when they can pull my credit report to see everyone is getting paid. Took it further up the food chain to have them correct their error- their feeling was that it was closed but they would let me make payments as agreed....They still have the "Closed by Grantor" on my credit report which is a HUGE slap to my credit and still they wont correct it. This caused me to pay more for credit. I got a equity line to payoff my accounts with them from Pentagon who sent the checks to me but made payable to USAA and with the account numbers. I deposited them in my USAA account and found they wanted to hold them for 5 business days to verify funds!! ( Evidently they don't trust Pentagon Federal to have the ability to pay $9k... ;) ) They wont check to see if the check went through so the funds can be released directly to the accounts I am paying off. I just have to wait. Meanwhile the accounts are drawing interest on a per diem basis and are now 3 days past due!! So it comes down to they have the funds to do what THEY want to with them, including getting additional interest on the loans I have once the funds are released and I as a loyal customer for 17 years gets screwed! I have gone through my children passing away from cancer, the hard times of getting out of the military and not getting compensation for 7 months, the government deciding to withdraw military pay that they claimed they overpaid (but still have not got any real documents on that from the government...) and took almost $3k/mo from his check for 3 months, and now another child with cancer and facing a bone marrow transplant in the 17 years we have been with them and STILL we managed to find a way to pay all my creditors with all the hell in our life. I am at my breaking point with USAA. While they have been good to us over the years, they have also done little to correct their mistakes when they make them and don't mind if we have to pay the price and simply have lost touch with their loyal customers in my opinion.
I have been with them for over 11 years. I have never had bad customer service. And trust me I call in all the time, with questions or when something happens to my car. Every time I have had a finder bender they fix it quickly and they even introduced me to my favorite auto body shop. Western Auto Crafters, in los angeles. now I won't take it to any one else. this company is fantastic. I can't rave enough on how great they are.
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.
IN OCTOBER, I notified my bank USAA to their check dispute arm that a service I had paid $159 for DID NOT do what they said. IN NOVEMBER, I emailed ALL proof they asked for and the gross overview is close to 35 calls, 5 times I either emailed, faxed, and sent info on their secure online sight. The business in question that ripped me off, closed their sight, etc, further verifying that I did not get what I paid for. A week ago? I received a call saying, our dispute department wont NOW give your money back, due to it TAKING TO LONG ........
OH BOY. The put me threw hell, kept losing stuff, refused to simply refund the money that I did not receive service for . I had numerous conversations along the way, including one rep who said the reason I was not being refunded was that they had already done it, but in looking saw no money was transferred. I was told by two supervisors they would reverse , who then made no notes and didn't do it.. I was told by worker bees they never got my proof, and told by other worker bees that they; had it. USAA YOU ARE NOT ALWAYS VETERAN FRIENDLY AND THIS LATEST IS THE FOURTH TIME YOUR DEPARTMENTS HAVE NOT SEEMED TO KNOW WHAT THEY ARE DOING.
I am going to the CEOS OFFICE NEXT. UNLESS SOMEONE CONTACTS ME ASAP.
I appreciate all the customer service all the help the supply and how nice and friendly they are!
They are always helpful, understanding and take the time to explain things. I appreciate that from a bank that has no local branches where I depend solely on telephone conversation. They has always fixed any problems I may have had with banking also and make sure that there are no unauthorized purchases on my card. Great company.
I have had USAA insurance for ore than 15 years and never had them question a claim and I have had many of them. My first one was when a storm came thru and knocked over 2 trees that fell on my fence. They asked for pictures and an estimate of what it would cost to have them lifted off my fence cut them up and remove them. I sent them to them and was surprised to find they did not pay for the fence and have the tree removed they paid for the cost of the trees. When I was living in Belgium we had our house burn down and we had renters insurance with them all they asked for was a list of what we lost and the cost to replace our loss. This year they replaced the roof of my house. They sent a guy out and looked at it and said ok we will fix it. This year I had a car that was 2 years old and a guy ran a red light all my car was good for after that was a junk pile. The next day the adjuster came and looked at it and told me how much they would give me. I could not believe what they gave far more than I thought it was worth. Many insurance companies call and ask if I want to change companies and offer me a quote for insurance I tell them I will look at the quote but you will be wasting your and my time I am not going to change. I have not been given a quote that comes close to what I pay. So change? I think not.
I do business with USAA, both in banking and auto insurance, and I have had good experiences with them over the years. Their website is easy enough to navigate and seems to be well-maintained as I have never had any problems with it. I agree with one review that says that USAA makes a vet feel valued, both as one who has served in the military and as a customer; other banking entities and auto insurance companies could learn much from USAA and their webmasters. I say bravo, USAA!
lI have to say unlike VA the USAA bank does make you feel special having served your country in the military. Which isn't somthing vets see very much in America after you have served your served your country.
I love the fact that they reimbursed all atm fees. They also have great rates on loans.
My first bank in 10 years. Full recommendations for banking! Customer service is awesome and no hidden fees!
USAA is a company that has tremendous products and services AND phenomenal Customer Service. I moved both my auto and home coverage here. In fact, 2 months after moving my auto coverage here, a hurricane placed a large tree neatly on my car. USAA settled with a payment higher than I expected! This is after only 2 months of premiums in their pocket. Need I say more?
USAA is a total pain to deal with now. Used to be a great company to work with, but seems to be leaving a membership service organization profile to a for profit company "Sell-sell-sell" profile company. They have increased their based membership rules. Used to be officer and their children only. Now any military person can use USAA (nothing wrong with that), but a sign of their goals and want of market share. Ever since they started bank services, they have gone downhill. Not the bank's fault in general, but seems to be more of a "let's make money" over membership policy. Other review sites show the downhill service since things changed too. Most reviews place the "Fall" about 3 years ago. Not sure what happened. Maybe a management change. They still have great prices, but if you have to use them or need them, good luck on you endeavor.
USAA.com is pretty good if you are ex-military or military, for investing and things like that...
Okay, when you have plenty of money, then they try charge all kinds of fees. Plus they say deposit at home.
My husband was in the military and I have to say I am usually in shock about how rude govt people are but this actually was quite pleasant to deal with them so kudos for you.
Well first of all you have to have served in the military or be a child or dependent of a military person in order to qualify for membership (free). A visit to the site will show you an array of products and services that I won't try to elaborate on here. The site is famous for getting you to the right person in record time. The person you first speak to usually can handle any question or solve any problem you have (except for adding huge quantities of dollars to your account just for fun) or they will transfer you to the right person while staying on the line to make sure you get to that person. They are extremely friendly, courteous and always professional, perhaps because they deal with military personnel from all over the world every day. Their services are amazing like free checking, free checks, no fees for low balances, free ATM usage (up to a reasonable point) and they rebate your ATM fees back to your account each month which, by the way, they pay you interest on. You can deposit any check from home or from your cell phone (up to $2000 per day, provided you have a scanner at home or a camera in your phone. Their bill-pay service is free, their Auto insurance is probably the lowest in the nation and they rebate part of your annual premium to you depending on their claims for the year. They have a low cost investment account available, savings, teen accounts, college accounts designed to get kids started managing money with more options and free stuff than any of their competition that I know of. You can obtain a mortgage, car loans and lots of other financial services. USAA also has periodic deals with various providers to save you money like ADT home security systems. All in all, USAA is absolutely the finest company of any kind I have ever done business with./...and NO, I don't have any affiliation with them other than literally all of my financial business is with them, but trust me, this is an honest review and I would (and have) recommend USAA to anyone who has ever served in the Armed Forces or is somehow connected to someone who has. Enjoy.
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