USAA Banking

My (soon to be former) bank of 44 years, USAA, decided to not honor my April 17, 2012, income tax payment to you, although I had several hundred thousand dollars available in their accounts. This was because I used the wrong checking account form (the difference is indistinguishable except to their accountants). They were too busy taking other people's money to transfer funds under the agreements I had established with them or to inform me other than by the attached belated letter. They have refused to do anything to correct this unfortunate situation. Please accept the enclosed replacement check on the correct USAA account and my apologies for the inconvenience this has caused.

My identity has been stolen recently. USAA has an account ** in my name with a balance of $500. I have telephoned several times and reported this account as fraudulent and have been assured that it has been taken care of. I am still receiving statements with this account number with my name and address on it and it has a balance of $500. Please get my name and vital information associated with this account off of the records. I assure you that I never opened this account. It was allowed to be opened up fraudulently. Any consequences associated with this fraudulent account are the complete responsibility of USAA Bank and not mine. Please email back and please see that this account is closed. The balance of $500 does not belong to me. Thank you.

I signed up for USAA's automatic payments feature and set up a monthly withdrawal from my checking account to pay my USAA credit card. So on the very first scheduled automatic payment, USAA withdraws $1300 (which BTW was my mortgage payment, and my scheduled payment was $150) and when I called USAA, this is what happens: The first time I call, they deny they took the money out and imply it was paid via an external website. So I called my bank and USAA had, in fact, taken out my money. The second time I called USAA, they told me they took out that money because of some minimum payment clause that was based on some formula and my current balance and refused to give me my money back. I'm working with my bank via a dispute, but I don't have much hope of getting that money back. Avoid USAA at all costs, and if you owe them money, get out as soon as possible. I've been with them for 10 years, but they are no longer the bank I used to know.

I lost my check book, and I called USAA to ask them to close that account and open another one as someone has my check book and could use it. They opened another account and transferred all the money from the old account. The next day, I saw the bank charged me a $58.00 fee and overdrew my account. I called and questioned that the account was closed, so why it was negative now. They told me it was a transfer fee, and since the account was zero balance, I got charged NSF fees too.

The lady won't reverse the fees. I paid the fees and asked her to close it. She confirmed that the account was closed. Again, a few days later, the account was overdrawn by $118.00. I called and talked to 3 different people, and they now want me to pay $118.00 to close the account. They will not close and keep getting fees from me. And now, they won't close the other account which has positive balance too. This bank is a ripoff! Stay away from USAA! I am taking my complaint to the local DA office to help me close this account.

I was a long time customer with USAA, and their entire company messed up, not only my checking account deposits and credit card account, but also the insurance part of it too. They overcharged me for my auto insurance, and I was told if I did not like it, too bad. So, I closed all of my accounts with them, including all my retirement accounts, mutual funds, insurance, and credit cards. Whatever you do, do not deal with any part of USAA. They all think their ** does not stink because they have people retired from the military running the show.

Similar to others who have posted here, we had a poor experience with USAA Banking. We finally bailed on a mortgage refinance after nearly six months of frustration. We sent multiple documents twice and we are afraid time would run out on documents. We've had two appraisals and two credit checks. It is maddening. We finally concluded that the foot dragging must be intentional.

I have obvious fraud on my account (2 identical charges made at a gas station in California and I live in TX) and no one from USAA called me to let me know there was "unusual" activity. Two back to back identical charges is suspicious. I called your fraud unit this morning, Dec 24, 2011 at 8:15 am and was essentially told that it was my fault for using my ATM card in TX and "how do we know you didn't go to CA and make the charges yourself?"

The entire time I was blamed, never any accountability or empathy whatsoever from either representative I spoke to. Yet, they wanted to FedEx the replacement card to my apartment so it could sit outside my door during the day while I was at work so my replacement cards could be stolen again. Wow! Nice security measures! I had to tell 2 people I did not want that option. This deactivating of my debit card had better not deactivate my son's teen checking account and for them not to reverse those 2 charges until the "investigation" is done, so my account does not show a negative balance. It's so completely rude and unprofessional.

My wife called USAA to get an appraisal for our vehicles and it seem that the person was more interested in the mighty dollar than in helping us who fought for this country than anything. I thought USAA was all about the military. So sad, we live in a set budget the prize was way too much for us to afford. Come on, not everyone in the military is an officer. Be realistic.

I submitted all required paperwork a week after putting a contract on a property. The day before closing, I had to contact USAA to inquire about closing. Turns out they needed more paperwork. After giving them all the documents they asked for on the day of my scheduled closing and last day of my locked interest date, they still processed my loan at a regular speed. Instead of pushing to the front of the line, I've spoke with 4 executive manages now, one processor, one senior, and another manager was contacted. Still my loan closing process was treated as though it was weeks away.

I've told them information multiple times and sent them duplicate documents over and over again. I've had to make them write down the numbers and information to understand what I was talking about. This process with them has been the most stressful thing in my life. I have two children, have bought three homes, and 11 deployments just to set the scale. I don't recommend USAA for mortgage loans. I've had to reschedule furniture delivery, utility setups, moving vehicles, and take time off work. I spent countless hours on the phone and emails trying to get answers.

I am working with the buyer on this property who is in the military. They spent hours getting pre-approved and six weeks sending in paperwork to a loan officer. The loan officer rarely returns calls or emails. She orders the appraisal prior to the inspection approval. She doesn't tell us a second appraisal inspection is required. She won't correct a GFE that is more than $9,000 off and tells us all is fine when we do contact her. The home is due to close in two weeks. We were just informed that they are denied because their student loans are not deferred for a year. They never told us that this was a requirement. Now we have to shop for a new loan and possibly be out in upfront costs (inspection, appraisal (2), etc.) How frustrating and stressful it was for a first time home buyer! It's bad business USAA.

I have been in good standing with USAA for years. I finally had enough when they charged me for cash advances which I never even had one on this card, plus for internet purchases. I have been in the military for 28 years and never once did USAA give us any slack. They use the military as a crutch always telling how they helped military families.

I'm moving all our accounts somewhere else and to all, beware. USAA is a joke. Stay far away from USAA.

Me and my husband had to file bankruptcy in 2010 due to economic hardship. We have many accounts with USAA including my husband's auto loan.

On 07/27/11, I called in order to pay off the loan. When I asked for the payoff amount, I was told I had to speak to the debt solutions department because of the bankruptcy, which is fine. However, when I was transferred to that department, I questioned the payoff amount cause the amount Richard gave me didn't match the amount I had. He talked down to me using a demeaning tone and told me that he didn't know what to tell me; the computer doesn't lie. He sent me the contract via fax to review.

After we reviewed the contract, we still did not understand the amount they came up with, so we called back to talk to a supervisor. She was not available so we spoke with Ronda (I do believe her name was) and she also was rude and degrading. I understand we filed bankruptcy but I don't believe it gives companies the right to treat us like we are less than human beings when I was speaking respectfully and nice to them.

As a Realtor for over a decade, I have never worked with such an incompetent bank as USAA. They don't meet closing dates, yet never return your call or even an email to let you know that. They gave away privileged information to an unauthorized party that called to inquire about the loan that didn't close. And why they think it's okay to act as the members attorney and give bad legal advice from several states away is beyond me.

At this point, my buyer faces legal ramifications from the other party in the contract and that could costs him tens of thousands of dollars. After leaving 11 messages this week, not one of my calls was returned. They are not even returning the calls of their own member! You want to save money? Don't use USAA, their incompetence could end up costing you! The public should know!

I joined USAA over forty years ago as a young military officer on my way to Vietnam. USAA used to be a respectable company. That is no longer true.

My strong recommendation is to do business elsewhere, with a more reputable company that you can trust and which keeps its agreements. USAA has become just another big mega-business that doesn't fix its many serious problems and doesn't care if its representatives' mistakes hurt good people.

Don't believe all the USAA marketing nonsense and hype. It's all bull! The member assistance team is just a cruel joke. Don't trust a word their smooth-talking representatives tell you. Later, they'll just deny it or make up a phony story and put it in your record to cover their blunders. When trying to reach a manager who can possibly fix a problem, you'll be told that their manager is unavailable or your call will mysteriously get disconnected in the USAA's terrible phone system. The call-back you're promised will never occur. All this has become the standard way the new, dysfunctional, super-sized USAA does business. You have to wonder whatever happened to the old, respectable USAA over the years to cause it to sink to such a new low point in integrity, competency, and business ethics. Don't do business with USAA!

I am utterly disgusted with USAA Mortgage Services. When I call for a status on my VA refinance, my processor barely can form a sentence in English and is also very rude. She will never return a call either. On 1 loan, this is my 4th processor assigned! None of them could speak very good English, neither were they kind. I have nothing against Mexican American people; however in business, you need bright, articulate, knowledgeable staff that communicate kindly and effectively. I give up and I also will be contacting Clark ** to tell him my disgust! USAA Mortgage is based in San Antonio.

I did some checking around and found that it is the policy of USAA Mortgage to hire and promote Mexican Americans over Caucasians. Who gets hurt by the blatant favoritism like this?? It is the Veteran!! I am trying to warn everyone I can to stay away from them! In the name of "political correctness", they are hurting the customer and I am disgusted. Is it a coincidence that the CEO is a Mexican American as well? Joe Robles USAA Mortgage Services is toxic and should be avoided. Consequence is that my rate lock expired and it cost me an additional $435 to re-lock the rate.

I opened a checking account with USAA with the minimum deposit amount. I went to open a savings account with them to transfer my savings to USAA three weeks later. According to USAA's website, their records show that I have no accounts with them what so ever. I'll have to call back during their business hours to see if I can get my 35 bucks back. I'm glad I did not try to open a savings account. It's not worth the risk.

I have been in the service for more than 16 years the entire time I have banked with USAA. This is my 3rd deployment and I setup all my bill payments with my checking account through USAA. Before I deployed, I setup my credit card payment automatically be drawn out of my account and paid to USAA.

Almost 2 months into the deployment, I noticed a substantial amount over my payment was missing from my account. I call USAA to inquire on who authorized them to take additional funds out of my account. This was on the 17th when the money went missing. I contacted them on the 19th because I am deployed and the time difference. They explained to me it will be 48-72 hours and my money will be returned. I waited and no response. I emailed them asking what is going on with my account and asked where is my money.

The agent who emailed me back stated they had already processed it and there was nothing they could do. So, I contacted a lawyer who said they have to give me my money back. I was hoping this was an isolated incident, but reading the complaints this has happened to others. USAA claims to be about helping soldiers; that is a bold face lie. I am changing over to Bank of America.

We have been with USAA for 20 years. We used them for the majority of our banking, investments, and insurance auto and home. We were dropped without notice. The only reason I found out was when I tried to get a home equity loan through USAA. That required homeowners insurance. So, I called and they won't insure us. We have never missed a payment and have been excellent customers. When we really needed them, they let us down.

This is a compliment. I have been a USAA member for over 30 years. It also is for military and dependents, but you need not pay a fee to join or have a bank account with them. I recommend all dissatisfied penfed members to step over to USAA at 1 800 531 8000. No, I do not work for them. I am a truck driver.

As a result of the recession my pay has been cut. So, USAA which I have 6 loans with offered to extend my loan terms and lower my interest rates and monthly payments at no fee for the refi's. I call this a quality company. Any active military, or dependent is welcome to join them.

I have an individual checking account with USAA and they have my retired USN vet husband as the primary account holder so I can bank with them. He had a vehicle with his ex that I had nothing to do with. When he failed to make a payment for this Kia, they just took the money from my account which only has money to pay for my vehicle in it. When I found out about the unauthorized withdrawal from my account by their collections department, thus, making my payment for my vehicle late, they said that there was nothing they could do about it.

I feel this to be fraudulent, if not fraud, at least unjust. I do not agree with this and have been a member since 2005. As soon as my vehicle is paid off, I will choose not to ever use USAA for any further services. Also, my insurance with them has been increasing this year with no explanation. I would be careful with this banking and insurance company if you are considering the use of their services. They seem to cater to Military members. Maybe the military should warn their members of this service instead of encouraging their young men and women to use USAA.

June 16, 2010, $1,200 wired from B of A to USAA, money deducted from B of A acct. June 17, 2010, USAA credits $700 to savings acct. USAA says it's B of A's Mistake. B of A says USAA made error. I'm 69 years old. My heart can't take it. I need the missing $500 to restore my faith in technology.

We have banked with USAA for 16 years and have had nothing but pleasant experiences. They excel in customer service like no other company we've ever done business with. The only negative thing I can say is that they didn't want to give us the amount we needed for a mortgage 7 years ago so we had to go with someone else. It was their choice and we're still just as loyal to them. By the way, we're still paying on that mortgage, so it would've been to their benefit to go with us.

I had established a new bank account to use for my online business. So after some searching I decided to go with USAA bank's free checking account which only required at the time of writing this a minimum $25 opening deposit so I set it up to take $35 from my other bank account to my new USAA account. A day later I got an email from USAA saying my account has been approved and it has been opened. GREAT! Well two days later I check my other bank account and I see an ach/debit of $35.00 going to my USAA bank account. I thought wow ok that went so smoothly (so I thought) I went to login to my USAA account to verify that they received the funds low and behold I get an error message. For security reasons, your access to usaa.com is currently restricted.

Call for assistance. (2:71). I call that number and they now tell me they need me to fax a copy of my id and SS card to them and within 48 hours my account will be unlocked. Today is day 5 and it still isn't unlocked and when I call the number back I keep getting told wait till the next day. USAA is starting to show the evidence that they are a fraudulent company. My account got locked on the hour my opening payment cleared my bank. I will be filing a dispute with my debited bank account.

Usaa has requested proof of documents this was fax over to them and still no respond.