USAAReviews 132

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.

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

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.

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.

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.

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.

7 days no call back,promises of call back every day.48 hrs has elapsed 3 times.keeping from fixing my vehicle.
Don't trust this company.liars

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 was a customer with USAA for over 20 years and just recently I was affected by fraud so I called Usaa reported it. Instead of helping me they put a block on my account to where I have no access and told me I have 60 days to get another account bc my accounts with them will be closed. On top of that the money I do have in my account will not be released to me for 60 days. Turned to find out the representative who took the report didn't report it correctly and then the person whom got into my account disputed charges with a company that I pay my families rent in the amount of 2402.00 and 1602.00 instead of freezing my account and calling me they are now holding they monies they disputed and USAA can careless if my family goes homeless now I have to pay 1602.00 with this months rent of 2400.00 monies I do not have bc I have to wait 60 days. My husband served the military 26 years and passed away by suicide due to PTSD. So look elsewhere or better yet put your monies under a mattress more safer there than a banking institution. More to come

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 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.

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!

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.

I'm a 39 year member and have been driving over 50 years. I tried their Safe pilot App program where good driving is rewarded with up to 30% discount. Save your self the aggravation. Haven had an accident or ticket for 40+ years. Their rates are high so this app should have been a good deal. My usual drive per day is about 10 miles. Today I drove about 200 miles to go fishing. When I got home I checked my score it went from 94 to 67. It seems that cars are made to sit in your garage and not driven and if you drive too much you are penalized. So is it worth sacrificing you privacy and being watch as you drive? If I remember correctly, most accidents happen within 2 miles of your home! Am I not giving the company to see my driving over a long period without an accident or infraction. You would think that would be a plus for the driver. Last month my wife questioned a charge on our account but they would not speak to her as she was not the account holder. They were to lazy to check the POA on file! Then they didn't activate autopay on a new card so I paid a hefty price even thought the funds were in the account to pay them. So a $300 interest paid by me but I only earned a few cents that on the funds in my account to pay the bill. Shameful. While I complain, the company in general is good. I guess each company has some incompetent staff and manages which cause them a negative rating. Learn and adjust, we pay your salary by being members.

Review:

I had the unfortunate experience of dealing with USAA after my daughter's car accident. I cannot stress enough how dishonest and deceitful their tactics have been throughout the entire claims process.

To provide some context, my daughter had just purchased her first car, which she saved up for two long years to finally purchase. She was driving cautiously and responsibly when the USAA insured driver ran a stop sign, causing a severe collision. It was a traumatic experience for her, with both physical and emotional consequences.

Despite clear evidence indicating their insured driver's fault, multiple USAA adjusters shamelessly turned the tables on my daughter, blaming her for the collision in order to evade their responsibility to repair her vehicle. Their conduct was appalling, taking advantage of a young, trusting (in honesty is the best policy) driver and attempting to shirk their financial obligations.

Throughout the claims process, USAA consistently demonstrated a complete disregard for their duty to act in good faith. They utilized deceptive tactics and attempted to intimidate and manipulate my daughter into accepting liability for an accident that was clearly not her fault. They used every trick in the book to avoid covering the repair costs, effectively robbing her of the money she had spent so long diligently saving in order to purchase her first car ( having purchased less than 2 weeks before USAA insured failing to yeild right of way, ran a stop sign causing the collision).

Furthermore, when we attempted to discuss the situation with their representatives, we were met with condescending attitudes and dismissive behavior. They lacked basic empathy and failed to address our concerns, leaving us feeling unheard and betrayed.

The lasting impact of this ordeal on my daughter's confidence and trust cannot be overstated. It is disheartening to witness an insurance company, whose primary purpose is to provide reliable coverage, resort to such corrupt practices to avoid fulfilling their obligations.

I strongly caution anyone seeking insurance coverage to steer clear of USAA. Their lack of integrity, their dishonesty, and outright manipulation make them unfit to be trusted with providing genuine care and financial protection in the event of an accident. Save yourself the headaches, frustration, and potentially devastating financial consequences—look elsewhere for a reputable insurance provider

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.

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?

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.

45+ yr 2nd generation member establishing 3rd generation (child) brand new savings account. USAA abruptly advising it exercising its right to terminate its relationship despite excellent credit history with multiple USAA products. Office of the President/CEO refuse to specify a reason siding some whacked out USAA policy in order to protect innocents (honest members) from fraudulents (scammers) - Bologna! USAA policies are harming innocents more than fradulents by deliberately and intentionally destroying innocence credit while refusing to 1) say why, and 2) work in any capacity to reasonably investigate or resolve! Totally unreasonable, unfair, DECEPTIVE, and unjustly inexcusable conduct. MAKE REPORTS SIMILARLY TO CONSUMER FINANCE PROTECTION BUREAU!

On May 10,2023, I was involved in an accident with one of USAA's clients. Everything proceeded smoothly until they decided to give me the runaround in repairing my car or compensating me for its worth. The adjuster was nowhere to be found, and it took me a couple of months to receive any response from them. They informed me that my car was a total loss and provided a specific amount they were willing to pay for it via email, stating that I could dispute it if I could find a car in the same category with the same mileage within a 100-mile radius. Unfortunately, I couldn't find an exact match, but I did find a vehicle that was one year older and one year newer, so I disputed the price they were offering.

They assured me they would get back to me in a couple of weeks, but I never heard from them again. Frustrated, I took the step of filing a complaint against them with the Texas Department of Insurance and the Office of the Attorney General. However, I received no assistance beyond the insurance company responding to me and denying my dispute without providing any tangible reasoning. This was after three months of back-and-forth since my car accident, with no access to a replacement vehicle or rental car.

Now, it has been five months, and they are attempting to push the responsibility onto my own insurance. These actions indicate that these individuals are playing games with people's lives, and there seems to be no one holding them accountable. It is disheartening to realize that we live in a country that is supposed to protect average citizens from being taken advantage of by large companies like USAA, but this has proven to be far from the truth. I have lost trust in the entire system, and I am determined to stop paying insurance premiums to these corporate entities that seem only interested in taking our hard-earned money every day, without delivering the support they promise.