USAA

I have insured my auto with USAA since 1964 and they were "the gold standard" for value, service and integrity. Over time they have grown huge, way beyond the military officers that were first served. Lots of overpaid executives to pump up prices, profits and their huge compensation. Just spent nearly an hour on the phone with USAA agents trying unsuccessfully to solve some problems with a new cd I opened with them. Could not resolve the issues that bothered me and decided NOT to renew the cd and start looking for a company with better customer service, a better web site and more competitive insurance and banking products.

I've been a USAA member for almost 20 years. Since their change in management 2017, and merger in 2019, customer service and the benefits of having a USAA account has gone to crap. Might as well bank with Ally or US Bank. Customer service has also gone to crap. I was put on hold for 15 minutes when I could not verify that a missing card was canceled. Someone was literally stealing money while I was on hold with their service rep. I get transferred to four different people for what use to be a simple task. USSA has become an insult to veterans and their families.

I've been a customer of USAA for almost 40 years. We moved to Big Island in September. Within minutes of our Ford Fusion being retrieved in pristine condition from the port in Hilo we were rear-ended by a Toyota Tacoma. USAA adjuster told me it would "make no difference" which insurance company we worked through - other drivers' Geico or ours USAA. WRONG! Upon trying to get an estimate, get the car repaired, even get an appointment, we learned that USAA has NO trusted providers on this Island! All the shops say "we can't work with you". My car was seen at a shop in Hilo, two estimates made, and then the shop says "sorry can't do any more". I finally asked - can I go through GEICO? When I made that change - the car was seen BY A GEICO PERSON (USAA has no peeps here, none) was declared a total loss, I had a rental car and payment process started. BEWARE if you are moving to HAWAII (or other rural areas?) USAA doesn't tell you what they cannot do. There are many other details of how I was (mis)treated in the process, but you get the gist.

I TRIED TO STOP PAYMENT ON A $1,000. CHAEK. I was assured by an employee that if there were insufficient funds in my checking account, instead USAA charged my credit card.

When the pandamic started USAA closed their lobby banking facility. Only have drive through check cashing. Many banks initally went this route, but have since reopened their lobbies, not USAA lobbies still closed. But the closed lobby is only the start of the problem. They have six drive through lanes, but onlt TWO cashiers working the six lanes. Last week it took 48 minutes to cash a check. I have been a member of USAA for 46+years and for many many years I thought they could do no wrong, but some years ago they lost their way wanting to be a big time financial institution like Chase or god forbid Wells Fargo and they have succed but at the expense of their members. When they hooked up Victory Capital I immediately took all of my Investments out and but them in Capital Group American Funds. Smart move. My investments have never done better. Suppose I should thank USAA but I won't.

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.