USAA Banking

Don't even try to use USAA for an Estate Account. I have tried, for over a month, to open an account for an Estate Account. I am the administrator of the Estate. Worst service ever. They are too lazy to pick up a phone or email, instead they wait weeks to mail you a letter asking for more information. After you fax and email the information in, they cannot verify that it is received or that any action will occur. After having been a customer for 40 years, I gave up--walked over to Wells Fargo and opened the account that afternoon. USAA was totally unresponsive--even to their own agents (and I spoke to 6 of them on my last phone call).

I applied for a credit card and submitted any additional information requested within the timeframe USAA set out. I received no approval or declination on the application. I called and was advised that the application was closed because the bank failed to process the information within their undisclosed timeline. They claim that there is no way to reopen the application and that I must reapply for the card.

I've been with USAA over 30 years. I had to make a large mobile deposit (how I do all my deposits). The mobile app stated it would be available the next business day but 25K of it was available right away. After 6 days, I chatted with them and it was stated it was scheduled to be released the next day but were able to push it through. Then a couple of days later the WHOLE amount was on hold. The person I then chatted with stated it was due to the Federal Reserve and nothing they could do about it. They gave me a date of 39 days after my deposit before it is released. They argued that it was to make sure the funds were transferred from the other bank. Within 2 days of my mobile deposit, it was out of the other bank's account. Their depository agreement and federal rules state deposits should be available next day or 2 business days later and if delayed, I should be notified in writing. I never was.

I wouldn't wish this bank upon my worst enemies. Horrid Customer Service. The insurance is garbage. You can go to any other reputable insurance company like State Farm Bureau and get better insurance for less.

I left the Army on February 16th after given two weeks' notice of my discharge. As soon as I knew that I indicated that by filling out USAA's transitioning service members' resources. On March 1st I received no more income and since there wasn't any time to apply and be approved for normal VA and financial resources that Veterans receive I applied to several other financial assistance programs since and the only resources we (my family and I) have received was emergency food stamps as I was denied or received no reply for rent or utilities assistance, so my last option was to withdraw my retirement savings to prevent being sent a nonpayment of rent this month as well as paying for utilities and debts I owe.

Just over the last couple of days, our checking account was hacked to the sum of 2k. USAA acknowledged that it is fraud but they won't reimburse us because my husband and I share a profile for our JOINT account. We have 7 different accounts and have been members for more than a decade. We will be moving all accounts to our local credit union, and I will cancel our USAA credit card.

I got scammed by a smoke shop that sold me a product that did not work and was a counterfeit from China and refused to refund me. I filed a dispute with USAA and they sided with the scammers. That's dumb. My own bank helping scammers rip people off. This is sad. I'll be moving to Navy Federal soon. DON'T USE THIS BANK. THEY DON'T CARE ABOUT CUSTOMERS. GO TO NAVY FEDERAL.

For all business owners, please be aware of this unprofessional USAA Federal Savings Bank. I have been scammed by a customer, his name is "Riley **. He is living at 3365 **." He bought jewelry from us using a USAA Visa card then the customer put a dispute through his bank. I appealed to this bank and provided all the evidence. In the end, the decision this stupid bank made was favoring the customer. I have been scammed for around $200 (incl bank penalty fee) plus lost products because it has been taken by Riley. Please be aware of Riley ** and USAA Bank. I assumed Riley and one of the dispute teams from USAA Bank were working together.

Can't find balance in checking. Try to use points and what a mess. The president (or whatever) should be fired. Along with all those who keep making using online banking a horrifying experience. I have used USAA for years. And, patrilocally they really mess with the online banking. Key word "MESS". If it were easy to switch (changing direct deposits) I would have been gone a long time ago. Some genuine/serious recommendation(s). Save your mind and sanity. Don't start with USAA.

I have spent days waiting for a “dispute” status of an overpayment on my car loan in which is through USAA and my checking account is with them as well. It is on recurring payment but my pay fell on the 16th and the autopay did not register that it was paid so I paid it physically unto which they hit my account later that day. Of course I had no intention of paying it twice and had to call immediately to try to get the loan payment reversed but of course that was too easy to do. I had to file a dispute against my own lender USAA & of course was told any NSF fees would not be charged of my checking in the process! Guess what? They were! I explained what happened and had to wait a few more days due to the holidays…I talked to 4 different people in 3 calls and some were still in training I think. All to be denied…I was so stressed and all living costs are coming up …My 2nd call I was in tears …y third call was to file a second dispute.