USAA Banking Reviews

Whenever I need to talk to a USAA Bank employee, I plan for one hour since it takes that long to reach a live person. Most phone reps talk way too fast requiring me to tell them to slow down several times and explain their mumbled explanations. Many are quite poor with the English language. My Korean born wife has a better command of the English language than many USAA employees. I’ve been a member for over 50 years and am tired of the rude phone service and the lousy bank and CD rates. As a result, I have moved $345,000 out of USAA Savings Bank. If USAA improves their phone service and becomes more competitive with their banking rates, I will return. In the meanwhile, I tell everyone how bad the service is from USAA Savings Bank.

USAA should be formally investigated for the way it handles insurance claims. A class action lawsuit is warranted based on my experience and that of many others. My legitimate claim was wrongfully denied by an adjuster who made racially biased comments, including questioning whether I could afford the insured item. She directly told me she would not approve my claim or issue payment—and USAA has stood by her actions.

USAA was informed that I was on my fifth day with no food, I mobile deposited a check and I realized that the policy states that it could take up to whatever blah, blah days and that's fine but whenever you're starving and you put it money in your bank via mobile deposit because USAA doesn't have many physical branches, they refuse to give you your money when you're seriously dying right there on the phone and they talk about the system won't let them release it.

I've been a member for almost 40 years and I ABSOLUTELY hate this company. Their service is horrible, they don't care about their customers. We are all just a number to them. I remember the good old days when they actually cared about their customers and would go out of their way to make things right. Now, they really just don't care. Classic example of a great company going completely down the drain. I would never recommend USAA to any friends or family. In fact, I wouldn't even wish the "USAA experience" on my worst enemy. They need new leadership.

Been with USAA for over 15 years. Ever since the bank with fully internet, it went down the drain. Customer service representative never have a direct answer. System is always down. Better finding a bank that has a walk in. How ironic having only an internet banking and system is always down. And having customers reps that are also down too.

I have been banking with USAA for 14-years and I am very disappointed how USAA has handle a recent dispute. I was mistakenly charged twice for rent in the amount of 1,050.00. I contacted USAA and disputed the charge and requested my account be refunded. The representative informed me that it could take 7-10 days for the dispute to be resolved. After a few days of my account not being credited, I called back and asked for an immediate refund as I had other outstanding charges that would be withdrawn from my account. The representative stated that my account should be refunded on that day. However, it was not, resulting in my account being overdrawn. I called back for a better understanding why I wasn’t allowed a full or partial refund until the dispute was resolved. I was told by the representative that USAA has up to 7-10 days to review the dispute before considering any refunds to my account and it could take longer than 10-days.

USAA is aging horribly. Processes, such as mobile deposit, have grown considerably longer in processing times to where MAILING a check would be faster. For example, my latest check is stuck in a standard 7-day hold. This isn't a personal check; it is a check from a business I deposited. I already left their insurance and am considering leaving checking now as well. USAA has abandoned its heyday and are not an annoying call center who can ONLY read scripts and stall on answers. They never give detail and they can never transfer to anyone else.

Hard to get a good answer from their first line of support. Been a customer for 40-plus years and am finally considering moving to another bank for checking and another firm for insurance. There is just no benefit to stick with them anymore.

Normally, I receive such top-quality service from USAA. However, I received the worst service ever from Jessica. She was extremely impatient with me, deeply incompetent, unprofessional, and unclear regarding issues with a transaction. I had a better experience simply troubleshooting the problem with a family member right after. By the way, Jessica, that's why I took a while to respond to your last question in order to better understand your confusing question. Nevertheless, I am not attacking her at all, as someone who's worked in customer service for a while now, I understand how frustrating people can be. But I want her to keep in mind that we have no idea what's happening on the other side, so why jump to conclusions?

Worst bank I've ever dealt with in my 50+ years. I opened 3 kids' accounts back in October. Here I am - 4 mos later - trying to get these accounts tied up. They seem to have lost the 1st signature cards I submitted. After getting multiple requests saying "signature card required" and being on the phone for hours with their support team, I also find that they were not signed in the correct manner. So I assume not lost but they must have deleted them.

I would have given USAA a five-star review a month ago. We've used them for several years, car loan through them. Renters insurance through them, credit card through them. Personal loan through them. Everything had been fine. Nothing to complain about. Nothing amazing, but nothing to complain about. The past month, I have had them waste literal hours of my life, promise me A satisfactory conclusion of the interactions, more promises of satisfactory interactions only to be told on like the seventh call follow-up that there is absolutely nothing they can do, nothing they can override, and they don't care that I was lied to before.

I am going to be blunt. I have been with USAA for 16 years. In the last 4 years it has really declined. All business is primarily all online or telephone. Customer service representative are very nice and courteous. That's the first layer after that the specialized departments have very rude and indifferent individuals working for them. USAA will make mistakes, screw and take your money, sometimes without warning. They can completely in the wrong and will still take ten days to fix the problem, if at all. You know why USAA does this? Because they are a profit financial institution. The longer they hold your money the more interest and revenue their shareholders get every quarter.

For over 30 years personally & decades more if I include other family members have we been loyal USAA members. This is not the institution they once were. The BOD has abdicated their responsibility as has the entire executive staff. Bottom line they allowed $11,000 to be stolen from a hack. $9,950 wire & $1,000 on Zelle all at same time. The criminals knew exactly what they're doing. USAA contacted about the wire within minutes & we’re told that wire was not authorized. They never did anything about it, denied all culpability, claim they did an investigation.

Each time I call, USAA thanks me for being a member for 50 years. But, I've had some ups and downs with the banking employees. It appears to me that USAA banking is not interested in pursuing fraud. They are interested in preventing it. I called USAA three times this past week. On Monday I finally got thru the AI answering system to speak to a rep. Getting thru the AI app requires persistence. OMGosh! It seems to have been designed to help banking employees avoid customers. It certainly is not there for helping customers. If I had fraud to report, yes there is contact information. But, suspected fraud, or impending fraud, no. They are not interested. I explained over and over to the lady that I wanted to set up a seldom used account to accept deposits, but to reject withdrawals. Monday's help was totally NO help!

USAA erroneously added my personal banking account information from a third party banking account to another individual's USAA banking account. USAA is refusing to remove my banking information from the other individual's account and refusing to acknowledge the error. My personal bank account from a third party bank is now available for another individual to use without my consent. I cannot immediately close the third party account until every direct deposit and every outgoing bill pay is changed. If you've never had the pleasure of working with government pay accounts, the aforementioned will take months to complete. Just file a lawsuit if someone takes your money??? Ok, but who wants to spend more time and money doing that when USAA made the mistake?

I absolutely do not recommend banking with this institution. I have been a member for over 12 years, with no problems. Then, an absolute nightmare began on 5/13/24 and has continued to today’s date. I am currently in the process of closing all accounts with USAA and opened a new account at Navy FCU. I initiated a $50k wire transfer to a business account as an investment, to a major US Bank on 5/13/24. No problems, no questions. On 9/26/24 (over 4 months later) the other bank received notice from USAA to hold funds up to $50k from that business holders account citing possible fraud, which then severely impacted his ability to fund his payroll.

I added a car 11/4. Collision was dropped 12:01am 11/13. Letter to get photo inspection to keep collision received at home address after 5pm 11/12. Two calls to USAA yesterday for over an hour. The second rep was so rude and disrespectful, she absolutely should be fired. She insisted for over 45 minutes that I had agreed to digital letters. True. I agree. Then, insisted that I had the digital version of the 11/12 letter since 11/4.

Payroll check with 2 years of deposit history from same bank and being a member for 15 years, was held for a 10 day hold. Account wasn't negative either. Called 3 days after deposited on Veterans Day and was told check cleared, but they won't release the fund till the 10 days hold is up... This was the second call I made too.

If I could give zero stars I would! I recently made a mobile deposit on USAA app. When I realized that 1: most importantly it was endorsed wrong as it is a third-party check (yes they do allow you to deposit 3rd party checks) and for two that it was going to have a extremely long hold and we needed the money immediately and not 10 days later I called them to have them stop the deposit upon which I was met with, "There is nothing we can do" and a bunch of apologies. They tried to lift the "hold" on the check but of course that didn't work, so now it is just sitting there, and is going to be sent back anyway because of the wrong endorsement. I find it hard to believe there was nothing they could do for me so that I could get this addressed. Then again, why would they care? It's not their money and bills that are needing to be paid.

I was a member of USAA for 24 years, banking and insurance. When my kids turned 18 I wanted to add them to my account, so I started the process. We uploaded the required documents 3 times and called multiple times as well. Then, with no notification they closed my account, the one I had for 24 years. Because they ‘could not verify my kids identities’ even though they had youth accounts with USAA for about 8 years. I would have understood dropping my kids as users of the account, but to close it outright with no notification is beyond ridiculous! Not to mention every time we called about why their identity information was not acceptable no one ever could determine why and would just say ‘upload it again.’

I applied for an auto loan. USAA Bank failed to respond, other than a computer generated 24-48 hour response is their usual response time. After a week, and you call bank originator and they say under review.

They are supposed to help Veterans better than this. Denial of services because of incorrect information. USAA was made for us Veterans in particular but due to inaccurate claims and credit reports, we would like to re-examine the evidence and me be eligible again.

Been a USAA member for 28 years now and I have enjoyed the last 26 years. I guess all good things come to an end. The customer service reps were always so helpful, pleasant and cheerful, professional and very knowledgeable. Now, they are no better than any other bank or insurance Co. The USAA experience is gone, I am so disappointed. I chatted with a representative recently for a bank card issue and I felt like I had to help him through a sentence, My last property claim was covered but it was slow and well.... just so so. USAA is still a good company to do business with if you are not accustomed to the old USAA.

Your interest rates are too high compared to other banks. Your car-home and boat insurance was hundreds and almost a 1000 more a year compared to other insurance companies. You should be ashamed. You don't help military families at all. I have perfect driving record and 56 yrs old. I also trying to get a car loan and your rates are higher than any bank I tried and I have 15000 down and 750 credit score. So I'm way under book value of the car I'm buying.

Terrible company overall from insurance to banking. Go elsewhere for everything. They'll withhold checks for a week or longer, while the money is on hold they'll let your account be overdrafted and hit you with overdraft fees because they're withholding your check. And if your insurance payment is due during that period they will also cancel your insurance due to the hold, and then make you pay for a full year out of pocket all at once to renew. Shady bank with shadier business practices. Don't even waste your time with this place, I regret wasting the last 15 years using them.

Only gave 1 star as I could not give a lower rating! USAA want people to believe with their massive ad campaigns that they are friends of the military families of the United States. USAA is a for profit company that will do everything possible to them to make a profit off of the military family with absolutely no concern to their clients whatsoever! I took out a mortgage loan with USAA that was promptly sold to Mr. Cooper (good luck ever talking to someone from Mr. Cooper). When I went to pay off Mr. Cooper they would not accept an ACH payment from my bank (USAA) for the final payment as they had for every other payment that was ever made to them by me. The funds had to be wired or mailed by USPS with a certified check. As I have had multiple issues with lost mail and non-delivered mail by "Certified Mail" I opted for USAA to wire the funds.

No Banks, they removed the one branch, only 2 ATMs at FT Campbell, KY. -Clarksville, TN- Oak Grove KY. Home of the 101st Airborne. Many use the 2 ATM’s and they are often out of service. Simply pathetic and USAA does not care. You sit at an only ATM and try to deposit once. USAA says, "We give you back atm fees." How about decent service for all the bragging you do.

The absolute WORST bank I have ever had. I opened an account to use for subscriptions, online shopping, and etc. EVERY ONLINE PURCHASE AND SUBSCRIPTION FEE would not go through. What’s the point of having an account if you will reject every purchase.

After years of using USAA and no issues my cards information for 2 accounts were used in fraudulent charges. USAA was alerted of this and refunded me the money only to take it back a couple months later saying it was my fault with zero evidence of even trying to investigate it. Read the news… it's common and USAA doesn’t take security seriously.

Horrible. Banked with them years ago and thought I’d give them another try. Just as disappointing. They are holding a check drawn on a USAA acct (another member) for 2 weeks…even though it was debited from that other members acct immediately. I’ve been a member for over 20 years and have insurance with them. I would never recommend them for banking. Asked to speak to a manager and was told their managers don’t speak to customers per the acct specialist. What. A. Joke.

Been with USAA for over 10 years and so sad to see how far they have fallen. They recently put a 7-day hold on a deposit of Money orders/certified funds. This put a trip I had planned in jeopardy. I will be leaving their banking and insurance, and watch how whatever changes they have recently implemented drops them even further. Real sad to see this.

We connected via USAA's website and it was quite easy to define the value and length of our trip and to get a quote; we thought the quote was reasonable and continued through the process to confirm it - all done in what was, truly, a matter of minutes

I use USAA Bank as my primary checking account, and I've used their bill pay function for many years. I recently had a large one time charge on my credit card, and apparently I exceeded a limit, unknown to me, for electronic transfer of funds. Not to worry, USAA sent a check. First class USPS for a large sum. Great idea, huh? It's been over a week and the credit card company has not received payment. It's due today. Thanks USAA!

I have been fighting with USAA since January over multiple fraudulent gift cards from Bed Bath & Beyond. USAA initially credited me all of them and then in February rebilled me for one. They are essentially saying that out of all those gift cards, one of them is mine. Not true, I ordered stuff from Bed Bath & Beyond many years ago, but have never ordered this gift card. I have been a loyal customer for over 10 years and yet they are accusing me of lying over $225. It’s gone all the way to the CEO‘s office and they have said their decision is final. I owe them the money and unless I pay it my credit will be ruined.

I have never in my life seen a bank that is so backwards in my life. Their customer service is a complete joke and they have no clue what they are talking about. They give you false info at every turn. I have also never seen such backwards policies in my life. They put holds on absolutely every transaction you make as far as deposits go. If you go to deposit a corporate check from them, they still hold the funds even though the check was issued by the bank itself. As far as their Secured Credit Card Product Line STAY AWAY! They make you open a CD with a minimum of $250. And unlike other banks, that allow you to increase the credit limit by adding funds to the Security Deposit Account which in this case is the CD, USAA does not allow this. Then when you go to close the Credit Card and the CD, it takes forever. You have to wait for the card to generate and then close that.

Three individuals, whom I do not know were added as my children onto my accounts within a 24 hour period. When I contacted USAA they told me they would do a fraud investigation and someone would call me back within 48 hours. No call…. I called and no one knew anything, told I would get a call back again. No call. A few days later I received a document to my file telling me the investigation was completed and for me to call to find out the results. I call, spend 30 minutes waiting to talk to someone, who transferred me to someone else whose system was down and could do nothing. They recommended I call back again the next day. I call back again and again, no update or information on what was happening and the three individuals were still on my account 11 days later. Told again that they will request an investigation. Still no resolution and three individuals - whom I have no idea who they are, are still linked to my accounts. Still no information about the supposed investigation that was completed. Apparently no one can find anything in their systems.

FYI USAA you can deposit large amount of money to your USAA credit card account 10 times greater than your credit limit and collect interest! This is very bad business. Sent final payment for personal loan and CC. They deposited the whole amount in CC when my CC limit was 13 times less than the final payment, no red flags were raised.

I have been a member of USAA for almost 20 years. I opened 5 CDs in the last year. I never wanted to auto renew my CDs. In February I reached out to USAA via their online chat, since they have limited hours for people not in the USA, and asked them to stop all Auto Renewals on my CDs. In March another CD was maturing and I again asked to not renew it via the chat. This week I received another letter stating a CD was Auto Renewed and I again reached out to the chat to tell a live person to stop these from Maturing and apply the balance to my principal Auto Loan. Finally today I was able to speak with a representative on the phone who stated they can't close any CDs without assigning me fees. They transferred me to a "Member resolution rep" who stated the same thing. Even after stating I'd take USAA to small claims court for the fees they stated there is nothing USAA can do, they will charge me the fees to close these CDs.

I believe how incompetent these people are in their banking procedures. I was at a business and tried to take out $1000.00. There was an error and did not receive any money. Fine. I went to another ATM and it worked and I got my $1000.00. I reported the issue to USAA bank and said they were going to investigate the issue and in the meantime would receive a courtesy credit of $1000.00 in the meantime. Fine. After a month they took it back because they determined I received my money from a different transaction which was the incorrect transaction. I resubmitted it they gave me another credit of $1000.00 which they ultimately took back because they looked at the wrong transaction again. I will be reporting them to the office of Comptroller. USAA does not deserve to be in business

They claim to be a military friendly bank but nothing can be further from the truth... Very difficult to deal with. High credit card rates, low account interest rates, high fees for transferring money. They are arrogant and sneaky. AVOID AT ALL COSTS!

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 have had nothing but issues with them over the last year. Raising and lowering my deposit/withdrawal limits. Just deposited a $500 and a $200 check and they put $200 on hold for a week? I already had 1300 in the account. Come on USAA I’m a 37 year member!

Have been an extremely satisfied USAA member for over 50 years. The auto and homeowner services were/are exceptional. Dealing with the banking services has to be with an unrelated company. Calling the service number has you transferred three times or More. Then that office has an abrupt message that they are closed and you can’t leave a message. The phone numbers for direct service to specific departments has been incorrect. Then to top it all off they were unable to process my applications due to errors on their end….twice! I have given up and found that my local bank handles everything without a problem. This is not what USAA used to be. So sad.

I have been a member of USAA bank for years. Have not been able to login to my account for months, unable to call and get my banking information. The customer service is no longer for the customer, they are unprofessional not helpful at all, will be going to another bank at this time..

I reluctantly have to leave a one-star review due to the disappointing experience I had. My wife and I, being newlyweds, opened a joint account. Despite providing the necessary online information via email, they failed to properly process her details. This led to the closure of our account without sufficient prior notice, leaving most of our funds inaccessible. Despite contacting customer support, they could only advise me to wait 7-10 business days to receive a refund, leaving us in a frustrating predicament.

I have been a USAA member for over 30 years, and was proud in the past to do business with a company of integrity, honesty, and genuine customer service for military members and their families. No longer. Online and phone customer services have declined precipitously in the past few years, with the live attendants no more knowledgeable or helpful than the AI "virtual chat" attendant. Account automation systems are becoming highly problematic. We were recently locked out of our account for funds that "the system put on hold" (a quote by USAA customer service).

Stay away from USAA. If you, as the veteran, have an account and add your spouse, and then get divorced, USAA will not allow you to remove them from your account without your ex's permission! Yes WITHOUT THEIR PERMISSION!! Usaa will allow your ex to drain your account and still keep them on there, even if you provide documentation to show the divorce is done. Do yourself a favor and never open an account with USAA. They will screw you and feel no regrets about it!

I have been a member for over 23 years, I served, my wife served, my father and grandfather served. The customer service at USAA used to be excellent, they had people you could talk to, they would call you back and work with you to resolve issues. Now, good luck. They are just another faceless organization that wants your money with nothing special to offer. I needed to remove a person from my account. They don't allow for electronic signatures, everything must be 'wet signed'. Great, except people move apart.

USAA provides a wire notice to their customer for dealers to fill out and to send to USAA for their customer's purchase. Faxed this information to them twice, and kept proof of successful fax, and they never paid. They will not talk to the dealer, only the customer. So we are owed $15,030, they will not acknowledge the receipt of the faxes, nor will they send the Money due. I do not recommend that any dealerships allow their customers to use this banking service since they will not communicate with the dealerships at all.

The Security solved the issue, thank God! USAA NEEDS MORE THAN A PHONE VERIFICATION.

I've been with USAA for over 20 years. In December I received a call from someone claiming to be from USAA fraud department, had a San Antonio number, used the exact verbage and verification steps. He put $10,000 in my account and was moving money around. USAA is claiming that because this individual had my address, while he was logged in to their mobile app, that I am responsible for the money he got away with. When I spoke to an actual customer service member at USAA, he advised me that it was a known scam. Would have been great if they let members know about this scam. Over 2 months after the fact and now my account is being closed and I'm out all the money that was in that account. Looks like it's time to go back to Navy Fed where they actually care about their members.

Called today regarding funds on hold from a check we deposited and they held about 90% of the funds that will not be available for a week. Called to see if they can release the funds now as we can not wait a week for our money and was advised that the system is the only one who has the ability to release it. Confused / baffled by that statement and wonder what the point of customer support is for. So I asked to speak with anyone who can assist and was advised that there isn’t anyone in the entire USAA Support who has the ability or authority to release the funds. Asked to speak with a manager or higher up and was again advised that they do not take calls or even have the ability to release the funds either.

I've had USAA since 2005 when I first joined the military. They used to be highly recommended, but now no one in the military recommends them. They are terrible and unhelpful. About four years ago we switched our insurance away from USAA due to better service and rates basically anywhere else. Now I'm going to ditch banking with them as well. Too many issues... Paid off my truck and it was like pulling teeth to get them to notify the state that the truck is paid off and to remove the lien on it. Very frustrating.

I feel compelled to share my recent experience with USAA, as it has left me thoroughly dissatisfied and eager to caution others considering their services. Here's a detailed account of my concerns: Service Quality: Regrettably, the quality of service I have received from USAA has taken a significant nosedive. What was once a reputable and customer-centric institution now falls short of the basic standards one would expect.

I've banked with this bank for 28 years but I'm beyond done with this bank. I recently took out a personal loan to buy a shed and set the payment up for automatic withdraw. I log into my account each month and each month the payment they're suppose to pull out is LATE. This morning I woke up and again the payment was late and I received a notice about me always making late payments, you know the ones they're suppose to be pulling out. I made the payment and as soon as I made the payment they pulled money out of my account. I live paycheck to paycheck so I need every penny I have.

Applied for an auto loan. Quick approval, but funding is a nightmare. Delay after delay, called 7 times to see what’s the holdup was. One week later, after I was told it would fund last week, USAA said they never received the dealership application forms for funding. Then asked for a manager due to this delay. Then got disconnected. Call #8, and this representative could see all the dealer forms. Noticed title lien address for usaa was wrong. USAA had grown too large and the left hand doesn’t know what the right hand is doing. Keep to auto insurance only, do not bank with them.

If I could give negative stars I would. RUN from doing any kind of business with this bank. They are friendly to the military or their families. They mess up accounts, lose paperwork, close accounts without warning claiming they did not receive paperwork that they did in fact receive. They will lie at the drop of a dime about an issue on your account (missing funds, missing paperwork, wrong transaction, etc.) then when you provide proof and a time stamp proving them wrong it immediately becomes someone else's fault. They will waste time, money, energy and sanity that is NOT worth. PLEASE DO NOT USE this banking institution or any of their products. You have been warned.

After 25 years at USAA I am changing to other banking, insurance, and mortgage providers and no longer trust or recommend USAA services to other military personnel. Wish I had listened to other military members over the last few years about the downward spiral of USAA. ***DO NOT USE USAA*** First banking, USAA debit and credit cards “potential fraud department” essentially makes it impossible to confidently use their cards. Basically, you must carry another card from a different organization ready for use because you never know when it is going to work. This results in them turning off all other transaction until you resolve their automated calls/texts. The burden is on the user. This causes problems with later automatic payments i.e. cell phone provider, streaming service, online purchase too. Enjoying going back to everyone (except USAA) to resolve your declined payments.

I have been a member of USAA for many years. I served from 1986 to 2006. I got married and we tried adding my wife to the account. We are still working on it over a year later. Every time we turn around they ask for another document. We keep providing scans, pics, IDs, signatures, etc every time we turn around. We have literally spent over 40 hours of our time on the phone. This is crazy. My wife gave up. She went to another bank, walked in and got her account. Today they locked my account which has my money in it and told me we have to provide even more info. More documents. This is by far the worst customer service I have ever seen. I am absolutely at my wit's end. I can't even access my own money. I truly think it is Time to get a different bank for everything I do with them. I will be looking for different insurance also. I am not spending any more money on a company that does this to their own customers.

This is a terrible bank that doesn’t help if you have problems. They cleared me for an account since my wife’s grandfather is a veteran and my father is a veteran. Put all my money into my account, got a debit card. But they locked me out of my account because of fraud or eligibility purposes, they haven’t been consistent or clear as of why. No one can tell me the problem and to top it off they are holding ALL of my money and says I will have to wait until they close my account and another 60 days for a check with my money!!! Even when it’s their fault, they’re holding my money. This should be illegal, they’re stealing my money and making money off of it. They are not treating me like a person, I have bills to pay and no matter how many times I tell them this they don’t care. Period. They’re ripping veterans off too and hold checks for a month before it hits your account. No one should use this bank, just terrible.

So far switching my banking, car insurance and a few other things to USAA has been complete disaster. First is mobile deposits taking 7 days to clear and no real answers as to why, then being told that all I had to do was call and get them pushed through which was a lie. Then I disputed a charge on my account. After sending in all the info I was hit with a chargeback for a provisional credit. I sent in everything they needed and was told they didn't get it. I sent everything through the mobile app. Just being told there is nothing they could do is frustrating. They don't actually work the disputes because it doesn't affect them any. They are definitely not all about Veterans or Military. They are all about the money. I will be moving everything back to NFCU.

I had to file a debit card dispute when a company refused to refund me for services not rendered. It was $700 charged and I submitted all evidence to USAA which was clear as day in black and white. I followed the terms of the agreement with the company and should be entitled to a refund, but the company was refusing it. So USAA dispute was my last line of defense, and they are not there for me. After 6-8 weeks of silence they closed my dispute and said, “Nothing is wrong”, no additional help.

Negative zero stars... USAA does little to help with fraud cases that are clearly their liability. I am the victim of identity theft, my account was hacked without my knowledge or authorization. The culprits added a fraudulent external account and transferred $5k in and out on the same day 2 separate times, just like other people's review stories. USAA has not been forthcoming about my case and refuses to give valid information on why they are blaming me. Below is USAA's mission statement: “to provide excellent service for our members, we stand financially strong.”

I’ve been a customer of USA for over 20 years. I’ve seen their customer service slowly get worse and worse. I don’t want to have to go find a new insurance and banking but I can’t handle USAA anymore.

USAA is a HORRIBLE banking company!! I have had an account and multiple insurance accounts with them. They have changed their policies that DO NOT have the customer in mind. Their customer service does not have the ability to help anyone and they do not care to help. DO NOT BANK WITH THEM!!

Usaa is will only freeze up your money and create financial hardships for you. I would suggest banking anywhere else. Their customer service is not only cruel and impossible to get anything fixed through, but incredibly rude and insulting. I have spent almost 20 hours across 6 days calling trying to get a duplicate charge and frozen employer deposit fixed and no one could tell me why it's withheld, nor could they fix it. Resulting in me waiting additional weeks to get my paycheck.

Multiple account errors in basic banking, at best incompetent customer service. Flagged and closed account as business transactions for Life insurance proceeds, spousal support, child support, SSA survivor benefits for a minor child.

Been a member for over two decades. A Gold Star Spouse. Not only do I agree with all the 1 star comments here about the negative change throughout the years but in my case, the mistake was solely on USAA side. So, I, as well as several family members, have checking accounts with USAA. We often transfer funds between those accounts. A few months ago I made one of those transfers, only to realize the next day that it did not go through. After a few minutes, I noticed that my dad's account number changed to a number I have never seen before. I called and spoke to a representative who was also stumped, but eventually found out that the account is not even a USAA account.

Over the years I've experienced USAA's customer service departments and I'm frustrated. Recently I started an investing app I thought I could trust. The moment I started a money transfer the investment app locked me out. I still haven't been able to reach USAA customer service and it's been a few days now. I couldn't be more frustrated.

The computer is a joke, the 1 person kept putting me on hold and I was a proper gentleman the entire time on hold 4 times 40 min, hung up on, called back, explained situation and got hung up on AGAIN. JUST WONDERING IF I SHOULD CHANGE MY HOMEOWNER'S INSURANCE OR NOT. J E ** USCG

I've been with USAA for 20 years and am SHOCKED at the lack of service, inaccuracy of information, and overall poor banking that USAA offers now. I don't know what happened, but they really have zero idea what they're doing, they attempt to charge fees they shouldn't, and can't fix what they have done.

I’ve banked with USAA for almost 30 years and on 11 Jul 2023 my account was frozen and put under review without warning and I’m being denied access to my entire life savings. I can’t pay my bills, I can’t withdraw money, go to the store or put gas in my car. I have a wife, daughter and take care of my 81 year old mother. I’m screwed! They would tell me anything but it started right after I tried send money to fund a crypto trading account. My accounts with my names using their process on my identified IPad and IPhone and money was never sent. But I get frozen out wit no word.

Here I am again warning potential USAA customers to beware. My husband and I are 30+ year KNOWN customers and we made a nominal deposit that USAA automatically placed on hold. When we called customer service we were told they don't know why, but we can call again and try to get the funds released in 24 hours. With no branch to walk into, customer service who can do nothing, we recommend banking someplace else. USAA is too unpredictable and their insurance, another product we purchase from them, is sky high.

I've been a member for 16 yrs. I wouldn't recommend this bank for any services as they speak to their members with condescending tones when they are in the wrong, they speak over their customer to prove their point, belittle you as a customer to the point it was embarrassing towards myself that I as a member should know other banking policies due to the rep. being in bank and NOT myself, as well as steal money from members as they repeatedly ask you to submit documents you've already spoken to 5 representatives about only to not see a penny of your money, they're very obtuse to their own products which is concerning when it's the resolution department. When you get upset that they can not handle their own job with YOUR money, you are then threatened by the bank. TAKE YOUR BUSINESS ELSEWHERE to avoid this to begin w. ***Navy Federal is AMAZING!***

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.

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.

My husband and I have been with USAA for years but they have really gone downhill. Their care for military is a thing of the past. Back in September we had a fraudulent charge with our checking so we called. Went through all the necessary steps to report it. 45 days later they reversed it causing our account to go negative and saying they found no evidence of fraud and it was our fault. Now we are being charged overdraft fees and it’s just ridiculous. Luckily my husband and I opened a new bank today that seems ready to serve our needs better than USAA can do. I never thought being a disabled vet family we’d be leaving USAA but they are really not what they use to be or stand for what they use to stand for.

I joined USAA in the 80’s when they liked serving the military. I noticed their attitude and level of service take a noticeable shift about 11 years ago. That shift has caused me to find a better insurance company for ALL types and I have found much better policies for much less.They have mishandled my loans so I have paid them off. I have no debt to them and so I am in search of a bank that appreciates its members like they used to. It is offensive to this Veteran that they state that they serve the military when they really don’t.

In September there was an unauthorized wired transfer of $9000 from my savings account. When I notified USAA I went through all the steps of changing my passwords and spoke to fraud dept which said it would take them a few days to investigate. I got a call from someone at usaa verifying what happened and they said it would take a few days. I waited about 1 week and never heard back. I called at least once a week and a rep said they are working on it and one rep said someone will call back in 24 hours never got that call. I called last night and the rep John said that my case was closed and the $1300 dollars that was put back in my account is all that I will get and the other reps did not want to tell me that.

On or about October 18/19 my wife and I called USAA to make them aware of 19 U.S. Treasury Checks that we received from the department of education. USAA increased our deposit limit to $ and instructed us to use their mobile deposit to deposit these checks. A day after the deposit our checking account was labeled with an esp code as if we were doing something fraudulent. This has been a nightmare. This was done with no notification and we had no prior knowledge of what was being done. All we want is for our account to be restored to its normal status.

Their banking products are as bad as it gets. I needed to dispute a credit card charge and USAA did not at all care about me as a consumer and automatically sided with the merchant and hid behind hostile policy. There are a vast number of credit cards out there that will outclass consumer protection, or lack thereof, offered by USAA. I ended a 12 year loyal membership with them over one incident that really mattered to me. The one time I needed their help they let me down hard.

My bank account was locked. The bank is telling me it has to do with the "Patriot Act" (A quick Google search says this has to do with terrorism). USAA required me to send in a picture of my photo ID, which doesn't even seem safe since so many people make fake IDs anyways. USAA says my account will be locked for 3 business days and I will have NO access to my money. I cannot buy diapers for my child, milk for my child, gas to get to work. The money that I worked for. USAA will not give me any other explanation as to why. I was never notified in advanced or asked for a copy of my ID prior to them locking my account. To the already struggling American population this puts such a burden on my family as my card was declined at the grocery store trying to buy necessities for my family. Not to mention it kept coming up with insufficient funds. That is embarrassing.

I filed a fraudulent transaction complaint on October 4, 2022 with USAA just minutes after the fraud appears on my account. I was told it would be resolved in 3 business days. I called each day to check on the fraud. 5th and 6th I was told 3 days which would be the 7th. On the 7th I was told the first day was the 5th so it would be the 8th. On the 8th I heard nothing so I called on the 9th. I was then told the investigation would be 3 business days from the 6th. This is one week after I initially reported $800 being stolen from my account. In addition, USAA has been charging me insufficient funds fees and my utility companies are charging me additional fees for returned checks. USAA doesn’t care. USAA keeps delaying the investigation when the payment could have been stopped before it was even released. Worst bank ever.

I’ve been a member of USAA for 30 years since I started driving as a teen. I’ve never had any issues. We have multiple checking accounts, a savings account, a vehicle loan, auto insurance, and home insurance all through USAA. On 9/30/22, I received a called from their 800#. I didn’t take the call at the time, but then I received a text about a questionable purchase in AZ. I then called the 800# and talked with a rep for over 35 minutes. (Mind you, this is the same scenario that occurred when my debit card information was stolen earlier this year.) I was driving in the middle of nowhere and the call disconnected as it usually does about this area.

Chat with uninformed rep. No info on interest rates currently below market rate on savings accounts. My performance Plus Savings account is currently paying only .5% while CIT bank pays 2.7%. Bask Bank pays 2.75%. All banks are FDIC with 5* ratings.

They are holding my money. They refuse to let me speak to a manager. They are not following Federal policies. They have terrible customer service. I spoke to Anthony employee number is ** who claimed that his manager David refused to speak to me. Then I spoke to Roselyn employee number ** who continued to argue with me. Refusing to let me speak to anyone above her. 3 hours on the phone was just a waste of time and got me nowhere.

Today is Aug 22 2022. I learned 3 days ago that Usaa was closing my account per their right to do so. No explanation as to why. No letter, nothing. Today after escalating to the ceo office supposedly the highest you could go I was informed on the 8th they had mailed a letter to me about this account being under review. And by the 18th I couldn't access my money. So 7 to 10 business days for my mailed letter and before it arrives they shut down my acct. Claiming 30 days to close and then 7 to 10 business days to mail my remaining funds to me.

We have been USAA customers for years. Imagine trying to get gas and your debit card not working and you call the bank and they tell you that they can’t tell you anything. Sitting at a gas station with all your money in a bank that you can’t access. A kind gentleman paid for my gas so I could get to work and try to find out what was going on. After many hours on the phone I was finally told that the account had been closed for a unknown reason. This began the end of July and we are on Aug 20th and USAA is still holding our funds. They are holding over 4,000 with no reason given. We have reached out to Wayne Peacock the CEO and the board of directors with no response. It has come down to reporting the bank and its actions. My advice would be not to do business with this company.

In an effort to handle the paperwork and accounts following the death of my father I experienced the worst customer service ever from USAA. Following numerous timely calls, conversations with various departments, countless requests for documents, the matters are still unresolved. Survivor Relations? They have no relations! The other departments do not have access to a central system so you end up repeating the process with each staff member. It is unfortunate that this a service for Veterans, what a disgrace for the men and women who serve our country. USAA should be renamed USFF...they fail on every level!

USAA had $500 promo to set up a checking and savings account. The only catch was he had to have Auto deposit of your paycheck. That was a nightmare to set up. I actually had to speak with a USAA agent on the phone at the same time I was at my bank talking to their personnel. All three on the call. Even after that USAA refused to honor the $500 promo because my auto deposit wasn't in the exact form they required. Again their employee was in on the call and told me that that was the proper method. They screwed me out of $500.

I hate to say anything against USAA because their home owners insurance has been great for our family. I cannot say enough good things about the home owners insurance. But the banking side of USAA is a mess. The people in banking customer service are polite and try to be helpful, but finding someone competent to speak to is very difficult, in my experience. For nearly 1 month I was trying to have a simple signature card mailed to me so that I could add my wife as co-owner of my checking account. How hard can it be to mail a signature card. I will stop this rant and just say that something is seriously wrong in the banking department. Something is seriously wrong when a person is constantly put on hold for almost 1 hour and the issue is not settled at all. I love USAA but the bank has serious issues going on.

My USAA bank account was locked, leaving me without access to my money. No explanation was given, other than an email stating it was locked, and all my online access was also blocked. Spent 1.5 hrs on the phone with various people to be told there was suspicious activity but wouldn't give me details of the activity for me to verify if it was me. I was told there is nothing they can do and I will be without access to my money for three days until they finish a review of my case. I have been a customer for over 30 years and have never had this issue but now am rethinking my decision to use their bank. I had previous issues with their auto insurance and ended up switching companies, as well. Customer service has gone downhill in past years. My advice is find another bank.

USAA, should never be allowed to be called a bank/savings institution. Someone in San Salvador, withdrew funds from my account. Within one minute, I called USAA to stop the withdrawal. Security/ fraud, said they can’t stop the withdrawals, but afterwards they will make a claims report. I lost over 600$ for a month. USAA hung up on me 5 times during our conversations. They canceled my debit card and closed my account for no other reason, and would send me my funds in 60 days.

I’m going to save you the hassle and say we have had USAA since 2007, at one point they were a good bank however now they are complete garbage. They access your account without your knowledge. They put money into your account, take money whenever they want and they claim they send out mail but I can tell you multiple times I’ve never received notices from them. And that’s because with any sort of dispute they use an outside company who doesn’t bother to look up the addresses or representatives only change your address in I guess a certain part of their system and not another part so they will send it to old addresses and they will just stick to saying, "We sent it to the address," even though you can provide them proof that you were not that address when it was sent out and that you have a new address that’s in completely different state thousands of miles away.

I’ve been w/ USAA for 15+ years. They used to be the best, and now they are a nightmare to work and deal with. Their customer service went to stellar to a daily headed. Before I was proud to be with USAA, and now I can even go through the computer voice. And trying to deposit a $50k check has been the worst experience of my life. Enough is enough, and I’m parting ways. For the young servicemen, look for a local bank you can rely on!

Lately my bank hasn’t been protecting my banking. What’s their problem?? Had to put in 2- disputes due to not ever receiving my product and USAA let them get by with it. I am very disappointed in this bank right now and forget the 48- years I’ve been with them. I don’t trust them anymore. Plus the specialists in disputes argues with me with?? If they fail to help me get 85- dollars and change sad to say I am gone! I see they sold the bank in 2019. Wonder why if it’s such a good bank or I should say was. I just got scammed 1600- dollars and they did nothing!

I have been a USAA member for 30 years and my husband for 25 years. We had our savings and checking accounts with USAA, our auto insurance, homeowner's insurance, auto loans, and credit cards. We have cancelled it all. Their service used to be stellar. In the last 5 years, their products and service have deteriorated. We have had one bad to horrible experience after the next. We called and wrote to them asking what had happened, hoping they would redeem themselves. They did not.

I have been with USAA for years. I knew exactly how the system worked, when payments would post, and how long they spent in pending. I have been with I was comfortable with how it all happened. Then, at some point, they decided that credit card payments were the enemy. I always knew exactly when my payments were posted and when they would deduct from the bank. I always made sure that there was money in the account. Suddenly, my payments weren't posted on time. I'm not talking days, I'm talking weeks.

I am a 16-year customer with USAA. In that time, I have disputed perhaps four transactions among the tens of thousands of transactions I have made. USAA's Dispute Department has deliberately and willingly chosen to uphold a third party company's open attempt to defraud me. I purchased a 4-weekend introduction to coding bootcamp from NuCamp, an a-la-carte coding bootcamp service. The actual class was an absolute mess and nightmare: it was grossly not as advertised and the "instructor" could not stay on topic. He failed to cover the information we were supposed to cover and could not stay on the syllabus. He frequently went on long, winding diatribes that had no relation to what we were learning.

There are some pluses with USAA like low interest rates, usually not always. But there are some bad things with them like sometimes their rates are obscene so shop around, dropped auto payments that cause problems and fees, they sell any loan that you take with them immediately making it difficult to figure out who has it and who you have to pay and are there changes to the loan, bad software for uploading a check. There is no bank to go to its online, overboard and subpar account protection, if you go the other town over and use your card then your account locks but you will get charges from companies you have never heard of, pay attention to your accounts because USAA will do some shady stuff at times. There's more things to complain. I've been with them 2 decades and the problems grow more numerous. My personal decision is getting away from them.

I have banked with USAA for over 30 years. They used to provide awesome service. You can still talk to a representative and they will be polite; however, they are unable to be as helpful as before. First USAA offloaded the handling of investments, now they are selling mortgages to outside handlers without notice. Do not expect the unrivaled service or one-stop-shop of past decades or as advertised, they have become no better than any other online bank.

USAA Federal Bank are scammers! A customer bought a product online from my store and emailed me she didn’t want the product anymore. Told the customer to ship the product back she didn’t. She opened a dispute and the bank gave her the money back. I showed proof and still lost the case. Therefore, you and your customer are crooks! Why did she accept the product if she didn’t want it? Why didn’t she return the product when asked? SCAMMERS!!

Left my card at Walmart, put up a fraud alert, was told it wasn’t unauthorized 4 months later, after being told it would be resolved after 1 month. Worse bank in America. Don’t have your information stolen or they’ll blame you. They used to be helpful.

USAA has been my banking and insurance provider for 25 years. For the first 24 years I was happy with their service, pricing and support. In the past year however, they had allowed their services and support to slide. Why a company can't improve with more experience is beyond me. Today, I have been sitting on hold for 3 hours and 14 minutes as I write this. I was somehow locked out of my account on my phone app. I did not attempt an incorrect password, etc as my account has Face ID enabled. USAA locked me out and forced me to call their 1(877)632-3003 Website Support.

UPDATED 3/31/2022: My husband has been a member of USAA for almost 28 years. Yesterday, on his payday, we were paying bills when we were asked to verify a purchase we made. We verified the purchase more than once with USAA and Visa, and the purchase was still declined. I then called USAA to advise them that the purchase was not fraudulent. While I was on the phone with USAA, with no notice, my account was placed into a "credits only" status. Because my husband has recently transitioned from active duty to retirement we are still making adjustments for a paycheck every two weeks to once a month. As such at the beginning of every month we pay all the bills, buy groceries, purchase gas for the commute to work, etc.

On hold for more than 2 hours, still no person to help us! USAA fraud dept locked our four accounts and won't answer their phone help line. It has been more than 24 hours with no access to our funds. The WORST bank EVER! Go elsewhere with your money, it will save you a lot of frustration. I sure wish we had some other bank as bad as I wish that I could have left them ZERO stars!

I have the claims department call me to get a recorded statement. I tried to inform them that I had already done it and the representative question my integrity. Then decided to give me attitude and would not notify the manager to call me. Quality of service has taken a severe downturn. The excuse is COVID-19. After more than 12 years I’m going to MoveOn.

I opened a checking/savings account with USAA in 10/2021 and a credit card. On 12/26/2021 they froze my account to include my credit card with no reason as to why. I have been calling USAA since 12/26/2021 only to be told that none of my bills will get paid and the account will only accept credit coming in. Mind you it's not like I have $2 million in the account all of a sudden. Everyone keeps telling me that someone from the fraud department will call, I was even told that they closed my accounts and mailed my check and a letter as to why but when I called today I was told that the account is still under review. I over this. I filed a complaint with the BBB and they told them it was an identity issue and if that was the case no one bothered to ask me to send verifying documents to prove who I am. I had insurance with USAA for 6 years up until this issue, and I must say that I am very disappointed in USAA. This is ridiculous.

Been a member of USAA for almost 50 years. I use their banking, credit card, insurance and other services. Loved that you could call them and talk to human being representative within a few minutes. I've promoted it to every veteran I meet (Those reviewers who claim they can get a much lower rate from Allstate are being foolish - wait until they have a claim). USAA is still the best insurance company out there and I've had excellent experience with every auto, home and banking claim.

USAA is a joke. I disputed double charging on my account from AT&T, DirecTV that has been happening for over year. My and I just noticed it and called At&t, they in turn credited 5 months of the payments and said we have to go through Usaa for the rest. USAA denied the 7 remaining charges saying it was too late that we're just out of $500.00. So much for taking care of the military, what a joke. I think this company is garbage and so are the people working these departments. I am a disabled veteran who does not have money to give away. USAA answer to me was to send some documents stating why they denied my claim. I say to all veterans and active duty members put your money and trust elsewhere. This company does not care about us just more like service from a company profiting off of us.

On January 13 2022 someone hacked my account and did a 1,000 transaction through Zelle. I call right away and explain what was going on with my account. They told me it was fine. They were going to investigate. I told the lady, "Can you put a stop or block my account mean while? Because if they come back they can take the rest of the money out.." She told me it was fine, it was already reported and my money was safe..

I want to say that USAA customer support is not what it used to be. I got misinformation and even lied to after asking an agent to notate my account about what we have discussed, they did not notate my account at all and had to reiterate what the issue was for the 4th in a day. Then when I was talking to an agent in Web Support and asked to be transferred to a supervisor, I was transferred to another agent in the checking department. I was on the phone for over 2hrs, absolutely ridiculous. Very poor service.

I've been with USAA over 40 years. In the beginning, they were fantastic. However, over the past several years, they've deteriorated terribly. Their customer representatives seem to have extremely limited training now. They give out incorrect information and claim they're researching issues when they don't. I can no longer recommend USAA and am moving my finances and business to another financial institution.

Spent 2 weeks talking to multiple customer service agents. Uploading documents. Spending hours on hold. Just to be denied for ** reasons! Too many inquiries. Really? No **. I am auto loan shopping. I have already been approved by several other lenders. Thought USAA was supposed to be the cat's Meow. Instead I feel it is the cat's Poo in the litter box. Unless you have perfect credit. Or are just desperate. Do Not Waste Your Time

I originated a rv loan in 2018, for $84000.00 at a 6.34%. I currently owe $74000 on this rv that currently is worth $52000, I have called and spoke with the office of the CEO twice and was assured that I would be contacted and be provided assistance in getting this loan to where I could pay off it sooner. I have spoken with the loan assistance department and all they want is the money! USAA isn't going to do anything but let my home, yes I live in this be a repossession! USAA wants this home knowing it isn't worth the loan value. I want to pay the loan, not the interest at 6.34% If I am not getting the principal paid down! Why should I keep this loan for another 14 years!

I purchased airlines tickets using my USAA debit card. My ex girlfriend went behind me a changed the ticket and used the same card to purchase a new ticket and wasn't authorized to do so. USAA said this wasn't fraud and to contact the airline. I did that and it was all verified. I got the money back, but USAA would not file this as a fraud claim. They are calling it a dispute. Also this person was an executive claims adjustor there. I watched her do the same thing to clients that was done to me. USAA will never get another dime of my money EVER again. They take care of it own whether they continue to work there or not.

Saturday, my debit card would not work. This happens sometimes as I buy crypto and USAAs systems flag it. Called to verify the transactions and go about my way. Tuesday I'm out at lunch and my card doesn't work again. Big surprise. I try a card for another account that doesn't work either. So I call and am told that my accounts are frozen for a fraud review and that it would be complete in three business days and that I can access my accounts on Thursday morning at the latest. Thursday morning rolls around and still frozen. I call again and am told they'll expedite it but it'll take another 3 business days. Friday morning I get paid and still frozen. This is beyond ridiculous. I've had this account for 16 years. No wonder banks dislike crypto. They can't freeze my crypto like they do my cash.

My best friend Terry ** died in March of this year. He had a Credit card with USAA that I guess He owed $2350 dollars on. I was not on that account. However, I was a joint account with our savings and checking. I was given my Federal Pell Grant to be able to pay for room and board to attend College and USAA took that Grant money to pay off the Credit card that's not in my name. I am having to drop out of college. Thanks USAA for your great support of US citizen and stealing from me.

USAA draws you in by listing excellent (auto) loan rates. (Not sure if they do with other types of loans as well, but they’ve done it to me more than once when shopping for an auto loan) BUT, when you apply, you will be offered higher rates. It doesn’t matter if you have excellent credit, income, and loan to value ratio…The rates they show online are merely to trick you into applying. I’ve been a customer for many years. I was an insurance customer until they raised their rates significantly for no reason (no claims ever). I am now in the process of transferring my accounts to my local credit union.

I have been a member of USAA for roughly 15 years. Customer service was exceptional in the beginning but it has completely deteriorated over the last 5 or 6 years. Not only do the phone techs not know how to rectify issues or supply answers for simple problems but they now lie to you. I am having trouble with the USAA mobile app (AGAIN). I cannot access my money. I need to increase my ATM limit so I can make a large purchase yet I can't access my money. The mobile app says it needs to send me a text to verify my identity but they have no known phone number on file. This has been my phone number for 2 years at that point and I had updated it in the USAA system using a human over the phone at least 6 times, 4 times in the last 6 months.

I am so angry with USAA and their policies! First of all, there are no banks or ATMs located within 100 miles of where I live in Albuquerque - which in and of itself makes absolutely NO SENSE because there is a military base here! Second of all, due to there being no way to make a physical deposit - they put a hold on all funds received through their mobile deposit feature!

USAA is somewhat unique. They don't have traditional branches and members do their banking online. That's my preference and not a problem, except that as an online bank you'd expect the USAA online banking experience and features to be top notch, but they aren't. Their bill pay functionality is way behind competitors (e.g., BofA, Wells Fargo) where I also bank. Payments to large billers (Citi, AMEX, Target, etc.) are surprisingly slow compared to the competition. The options for customizing the interfaces are limited and frustrating (the account I primarily access 95% of the time, is never on my home screen). They obviously haven't done much competitive or usability analysis. We used to buy insurance products from USAA but bundling advantages were minimal, and AAA rated competitors were significantly cheaper. The primary USAA saving grace is they don't nickel and dime me like my other banks do.

USAA used to be a great company but over the last couple of years they have went to the dogs. I had a tree fall near my house 2 years ago. Usaa sent out a repair crew to fix a 6 inch hole in my roof. The repairs ended up costing over $30 thousand the contractor ended up being investigated for fraud by USAA. As the investigation drags on my credit rating takes a hit from their contractor and my insurance rates went up like crazy.

I don’t like to post negative but people need to be aware to stay away from USAA. I am writing to notify anyone that has @USAA to cancel all of your accounts. I had someone take $1301 through the USAA approved ZELLE app, that is actually ON the @USAA app, and they are not covering me under consumer protection/identity theft/fraud. I was left with $26. AND they still didn’t freeze the account while fraud was under investigation and charged me with a NSF the next day when a regular, legitimate payment tried to come through. So now my account is negative.

I have been a USAA member for over 22 years, but some of the products or Third-party vendors are way behind in the bars that USAA delivers. Bill pay shows a poor commitment to customer service, and efficiency that USAA has earned. For instance, we moved over three years ago, but Bill Pay has Not yet updated our home address, even though I have been in contact via phone and USAA web messaging system. The checks sent out reflects an old address of ours, so when solid checks show an Inaccurate address for us.

I had experience with Heidi and Vince from the CEO office of USAA. My dispute is for $5000 and is because I did not receive my order from Alibaba.com paid for with my USAA Bank debit card. They submitted to Visa and came back and told me visa would not honor the dispute because a 3rd party was involved with the item (customs). I emailed with visa who said this isn’t their policy and to talk to usaa again so I did. First of all there was no customs involvement with my items until May 11th and I have emails from the airport manager, customs agent, and a letter that all prove this. So my claim in April should not have been denied for this reason. I have still not received these items that were due to me in March. I paid for the other half of this order with my PayPal debit card and they investigated and found that I was entitled to a refund for items not received.

Well over 30 years with this bank is coming to an end. After several erroneous credit card transactions and re-issuances. I noticed that new cards were having charges before I even activated them! This can only be done from the inside. USAA will not admit it, but they have a serious problem. Customer care is gone with this organization. Declining debit card transactions with over 100 times the transaction amount in the account...it goes on and on. I can only recommend to new service members starting out---do not join.

For years now we have watched as their algorithm withheld any ACH payments for up to a WEEK and then hit us with an NSF fee even when we would deposit money to cover the expense. We've gone so far as to take the extra fee to pay with our card so they can't do this to us but some things we can't change. The most recent is our payment to the YMCA which faithfully has gone through every 25th for months now.

They refinanced my house mortgage but aren't refinancing rental properties. Hence three stars. The rates are good, but I'm annoyed that I'm not able to refinance our townhouse and condo. I got strongarmed into going with a preferred mortgage company with both my townhouse and house.

I ordered a teller's check for my monthly rent. USAA withdrew the money but lost the check and never were able to deliver me. After calling multiple times I got very inconsistent information on how to recover the money. Turns out there is a 3 month wait period. After the 3 months I had to fill out a set of forms and call multiple times with long wait, but they told me if I uploaded the form online it would work. After weeks of nothing I had to call again, and a new person told me I actually had to mail the form and the former person told me incorrectly. After another week they give me a call saying they printed the wrong check number on the form, so I have to repeat the process. Terrible experience, customer service reps are not knowledgeable on USAA policies and give me conflicting information, all as I am trying to resolve a check that USAA themselves lost. Will be switching to a better bank.

USAA is requiring members to divulge personal, private information prior to logging in to access my bank accounts. The website is asking questions such as "what is your net worth?" and "what is your annual income?" and other information that is private. I am not applying for a loan or requesting any additional accounts- I am merely trying to access my current accounts and the money I've invested with USAA. If you don't answer these personal questions, the website threatens to restrict access to your accounts. I do not wish to answer personal questions or give out private information to my bank so that I can access my money.

USAA is a full service bank that really takes care of its customers. If not able to take care of any issues online, USAA has customer service that is always polite and helpful. The website is easy to use.

My husband I have been members since the 70’s. The insurance side has been great, the banking side not so. I have. This is just one of many crazy issues I have had with this bank. I placed a $20.00 some old order with Zazzle. It was denied. I am sure USAA saw this as a fraudulent charge. I immediately called USAA and am on 53 minutes on hold. This happens every time I have to call. I messaged them, via FB Messenger and got some canned response about how sorry they are. I am now changing banks. If you try to call them out on social media they have their setting to most relevant which means only favorable reviews. They used to be a great company. Now I am changing banks and insurance because they aren’t so great anymore. I am now on hold for 56 minutes.

I have been a USAA member for 39 years. My mother passed in January and as a result all family members are leaving USAA Federal Savings Bank, that is over 15 families. It has been impossible to access her accounts that were Payable upon death, pay her 2020 income taxes and access her mutual funds, Victory Capital. I strongly suggest leaving if you care for the survivors of your estate and don't want the huge obstacle of USAA Bank in your way.... absolutely no customer service and each "representative" gives you a very different story- so so sad. Once was a great company but those days are over! It has been a nightmare- 6 months later, we still have no access to file for her income tax in 2020 because they want to charge for every document requested- at least over 500.00 dollars. It took 5 months to get access any of her money that her family was designated by her to have access.

All banking is online with USAA...but it is one stop shopping.... insurance, checking, savings, CDs etc...Always someone to speak with if needed...Husband has been a customer since 1970's...Love it..So organized

USAA Federal Savings Bank: available to Military, former Military and families - provides checking/ savings/ Home Equity line of credit. Website easy to use and secure - available online and via mobile app. I use them for bill paying - both scheduled automatically and can add one as necessary. Paper checks are also available. Finally, their debit card will reimburse fees (up to 4 or 5 per month). Excellent customer service via phone or message.

As a Veteran my bank USAA has gone above & beyond to attend to my banking needs regardless of situation and hour. They offer comprehensive assistance in all matters of my finances. I have checking, savings & insurance which is $110 monthly. I am considering rental insurance as well as it will lower my insurance even more.. Can't beat that.. Bravo Zulu USAA.

You Always have physical contact to Bank representatives by telephone or chat- timely response to questions and concerns- online website is secure and easy to use - auto and property insurance within same establishment a big plus!

USAA has never let me down. Whenever I call them for any of the services they provide me, whether it be banking, auto/renters insurance, credit card, etc, they always have an answer to my questions. I always receive the best service from USAA representatives. They're very knowledgeable, fast and efficient, thorough, and polite. I never hesitate to pick up the phone to call USAA for assistance, because I know it will be a pleasant experience regardless of the reason I'm calling. I'll think twice before I call any other service provider, but not USAA. Professional and courteous service is something that they are not short on. I'm glad I served in the US Navy, which affords me the benefit of full access to USAA's services...not just their great banking!

Tried to lock into the USAA account only to find out that the account was locked. Called USAA, entered the USAA # only to find out 'not a member'! Called again and used SSN - same deal - not a member!! This happens ever 2 -3 months! So I have to call tomorrow morning when I can reach a live person, go thru the authentication to see if I can get this resolved!!! We have been USAA members since 1978!!!

USAA maybe the best insurance, but not for customer service. You have to go thru 3 or 4 people before you get the right person. Billing put a note on their website my car ins was being cancelled for nonpayment. They take it right out of my account.

USAA USED to be an outstanding company but they lost their way long ago. I've been a member for 40 years. That ends now. I have filed so many complaints with USAA that when I got a phone call from the CEO's office, they asked me to call back. When I did, they asked me why I was calling...what was my issue. I wasn't certain because I'd filed so many complaints. They never figured out why they called me. That's just ONE indicator of why USAA is no longer an outstanding company.

USAA is not the advantage it used to be, but more importantly is you’re no longer a person there. You’ll now find that without a digital verification they will not talk to whoever has your phone, they will talk to anyone that has your phone and verifies talking from the phone that was yours, but it lost or stolen, the new owner is verified as you. Likewise, the backup verification is your credit card, which if stolen with the phone, then you’re absolutely no longer a person, as the device or card has more identity than you as a person does. Enjoy having been mugged, or ripped off, and losing the security that your bank used to give you facing adversity around the world; sadly, that doesn’t exist anymore.

I have been using USAA Federal Savings Bank for many years. At first it was great - no minimum balance for free checking; ATM rebates. However, their service has deteriorated markedly. There is no way to email USAA Savings Bank. They have a poor chat interface. And if you are unlucky enough to need to call them, good luck.

A couple weeks age my checking account was used for unauthorized transactions Some of which USAA was able to stop. However two transactions appear to not have stopped. USAA has shown little interest in investigating a transaction involving a $6,200 payment to a what appears to be a charge account at Chase Bank. The personnel at USAA are the only parties that can provide enough information to trace this transaction and have Chase reverse the transaction and return the funds to my USAA checking account. USAA has shown only minor interest in dealing with this problem. In addition there was a cashier's type check issued to a party in Florida which has received little to no attention.

USAA has gone way down hill! I encourage all of my friends to take a look at the decline in service from USAA, banking and or insurance, and to find a new company to give your business to. I have been a member and customer of USAA since I was 16 when I started to drive for their insurance and since I enlisted in the Army in 1993 for all of our banking needs and their customer service has gone from one of the best to one of the worst. We refinanced our vehicle over a year ago (Jan 20) and we thought everything was going fine. We were making our payments and had not heard that anything was wrong. It wasn't until our vehicle was totaled in July that we found at that USAA was not doing their job.

My phone and mobile app were hacked to the tune of almost 5000.00. I immediately reported when I saw mobile deposits and withdrawals from 980 up for purchases of what I assume are cards after calling the merchants. I DID NOT DO THIS!! It was reportedly immediately and blocks placed on all accounts. I have deleted all my information and changed my user id, pin and password. I was told yesterday by "specialist" that I would be responsible for the deposits and the charges. Are they kidding??? My payroll and benefits are deposited here and they can't be redirected for at least a 8 weeks. That means USAA is now going to be the one stealing from me. Just be aware and don't use mobile app and do not have any codes sent to your phone. Definitely not the bank they use to be!

I seldom use my USAA checking account, and hence was surprised when money transfers started being initiated from my external bank. A total of $7500 had been transferred so far, and someone has been using the account over the last week to pay bills suck as Amex credit card bill and utilizes. I contacted USAA to notify them of the finding. Should be a simple process I thought. I have had this account for 13 years and I was shocked when the first representative hanged up on me after insisting that it was my fault for the fraud due to not securing my password.

I was told today that they no longer will service me after 18 years. I asked why and the bank and the senior manager could not even give me a valid justification. I used this bank for paying bills and shopping. All they could say was that they were sorry and did not know why my account was being closed.

Horrible customer service. The girl I talked to was not knowledgeable, kept putting me on long holds, and apparently hadn’t been trained on the SCRA. Their website advertises falsely that they follow the SCRA and offer even lower benefits to active duty and deployment services, which is great since it is a military based company. However, when I called about it after submitting documents they said they no longer offer these benefits to Service members effective October 1, 2019. When I told them this was federal law, they said yes, but it doesn’t apply to credit cards, apparently finding a “loophole” somewhere to deny the SCRA to members serving their country on deployment. This is literally the only one of my creditors that doesn’t offer these benefits to customers. American Express, Discover and Chase all offer a reduced rate while on deployment. In fact, American Express took my APR to zero while my husband is deployed.

I have been waiting for my debit card request since January 2020 which makes it almost a year now! As a lawful immigrant, USAA does not seem to understand my legal documents. They have rejected my Debit Card request through a joint account with my American husband more than 10 times. Each time you call, the representatives’ responses contradict their OWN representatives you talked to before! They are not trained on any of the forms, keep you on hold for hours, get off the phone, then 10 days later REJECT you and come up with another excuse. I am stating this again “THEIR RESPONSES DO NOT MATCH WITH EACH OTHER” and they contradict each other! To the point that after 11 months of waiting I have decided to move on with another bank! This is very embarrassing for USAA and they need to TRAIN their staff! Again HORRIBLE customer service, stay away from it if you can, especially if you’re an immigrant!

Was a member for over 10 years no issues until July 2018 when my purse was stolen. July 16 2018 that's when I realized my purse was missing. I called USAA because I was locked out of my account and let them know my purse was stolen along with my ID my debit card my phone and the check I had done a mobile deposit on. That's when I found out that my account was negative over $3000. How. I don't have overdraft protection. Several checks were deposited in my account and then money taken out at the atm. I told USAA my account and debit card had been compromised to cancel my debit card and not to honor any checks coming through because they were fraudulent with the exception of the one deposited on July 10 2018. I told them that all charges after the atm withdrawal of $260 on July 10 were unauthorized charges.

To think USAA will tout themselves as a national bank is appalling, their fraud department for a bank is terribly defunct. How can someone swipe my debit card which is sadly not stolen nor missing because I have it with me, yet it was swiped at a QT gas station. I have never been to QT, but It was used to purchase groceries and cash advance, my money is yet to be refunded, it's been over a week and still no explanation, yet I'm supposed to activate a new card when I do not know how the old one was accessed in the first place to steal from my account.

USAA offers CIGNA dental insurance as a third party. After signing up, I discovered USAA charges $10-$15 more per month per plan than does CIGNA, depending on the plan. It is less expensive to go directly through CIGNA. I am trying to rectify the discrepancy and it is proving to be very difficult.

I applied for an SBA loan which was deposited into my personal checking account on 7/27/2020. The next day USAA froze all of my accounts without any warning and locked me out of my online access to my other accounts (including savings account, youth checking and savings accounts, credit card, personal loan, and property and personal insurance accounts). They initially told me they were investigating my account for possible fraud due to the large amount of money deposited into my account. The money was electronically directly from the SBA Treasury which was clearly indicated on the banking records. They questioned whether or not I owned my own business. I offered to provide them with any supporting documentation they needed to show that everything was legitimate.

After banking with USAA for years our accounts with thousands of dollars in them were suddenly closed without notifying us by mail, text, phone call or email and our money was supposedly sent to us in a check form. It's been over a month and no money. We were also told that our accounts were closed because after years of using a PO Box for mailing that this was no longer acceptable. We are a large military family from Grandfathers to Great Grandchilden and they all are closing their accounts, you don't make my wife cry without consequences. I feel our accounts were closed because we did not take their expensive insurances.

I paid off 3 loans I had with USAA. 1-Vehicle 1-Camper and 1-ATV. I received the vehicle title in the mail and then with the other two I was told that they were mailed. I never received them. I'm told well they were mailed from a third party vendor. Then, I'm told the state made a mistake on the title. Yet, I'm told to go to the state and apply for the a new title, which will cost me $55 for the state and all other notarization fees. Can't get a new title as I don't have all the information to fill out application for the state such as title number. I'm told we will send a letter that the lien was removed. Again, I don't have any information to get a new title. I would not recommend using USAA for their loans as they use 3rd party vendors.

On Thursday, September 3rd, 2020, we received an email from USAA to contact FiServe, as a payment to Travelers Insurance was returned. We contacted USAA immediately, and were told that our account was frozen, and in the process of being closed. The reason was “evidence of business activity in a personal account”, specifically that we had inbound wire transfers from businesses. We inquired as to the specifics of the wires in question, and asked why we were not notified. We were advised that USAA allegedly sent a letter to us on July 1, 2020, via USPS, not certified. Had we received the letter, we would have contacted USAA. Why would USAA rely on a shaky USPS to deliver notice of account closure when they have a secure email system, or could have called?

There I was...a 30 year customer, visiting my brother in-law in the Philippines, when the Taal volcano erupted. Then the news of a deadly rogue virus from China. I elected to leave the country ASAP, but alas, USAA blocked my bank account, credit card, ATM card and all access to my funds! Using limited Intl' cell phone service, I could not find, even one competent customer representative to restore access to my funds. After two weeks I was able to borrow money to return to the U.S. It took weeks to close All my accounts with USAA and recover my funds. Whatever challenges life throws your way - USAA won't be there for you, you ARE, Just Another Number. USAA - incompetent, disloyal, void of the core values that military families expect. Perhaps they should ask their members - why they switched FROM USAA. Take it from the Chief - USAA is NOT made for What's Next!

I do not recommend this bank any longer. I have been with them for well over 10 years. Two years ago we bought a house and needed to give a check to basically hold the house. For some reasons, the "people" that were selling the house, decided to keep the check for 2 years and then decide to cash it, in the middle of a pandemic where a lot of people have lost jobs, including my husband. So what was left in the bank was already spoken for.

USAA is all about customer service. They go above and beyond to satisfy customers. Very proactive with alerts and issues with accounts. Everything is online so they have their work cut out for them to stay on top of issues. Overall a great bank.

USAA Banking is easily the best bank I have ever dealt with. I have a checking, saving, and vehicle loan through them. In the past I have had a mortgage and 2 other vehicle loans. Excellent customer service, no fees, and great rates.

Great bank. Why can't I just say good bank? No fees for checking. Though I did have a charge a year later on a different account. They allowed that charge and never refunded. They are still a big bank.

I was with B of A for 25 yrs, until one day I got a refund check from a business that I had a warranty issue with. B of A charged me 9 dollars to cash the check. I decided to cash the check because I was concerned it may not be any good since my battle to get the refund took months and a lot of stress getting there. Needless to say I decided at that point B of A did not treat me as a valued 25 yr customer so I left. I went to USAA as I had been with them for 12 yrs as a Credit Card and insurance client. I have had issues in my life that USAA handled without me feeling undervalued, including someone used my CC for purchase I did not authorize. Additionally, they helped me manage my mother's investments after her stroke and since finance a 180k RV which I had problems getting the loan through other banks. I am with USAA for life!!

I joined USAA a few years back and am very happy I did. Nice touch when you call in is that they address you automatically by name (and rank) and have immediate access to my account information to begin helping me with my queries, versus mechanically asking for my account number, asking my name, then repeating everything I say and not active listening, hence prolonging the process until getting to my query. I have closed my accounts with my previous bank and now do all my savings/checking banking through USAA. Plus utilize my USAA credit card most because I can pay it immediately from my checking account. I don't think that I should be limited to how many electronic transfers I do between accounts, since it's digital and doesn't require manpower. And believe since my credit score has been excellent for some time now, they could work with me to do better on the credit card's APR.

Too much going on with the phone tree, press 25 for yes press 106 to be connected to an operator, then the system tells you why you are here, that we can choose other options and then it wants us to leave feedback. I always say NO, they don’t want my revenge. In other words, no matter how good customer service is once you finally get there, it is overshadowed by press pound, or whatever other prompt.

I have been using USAA for many years and I cannot think of anything that would even come close to a bad experience! Great banking and I was able to finance several cars with ease. EXTREMELY HELPFUL WITH FANTASTIC CUSTOMER SERVICE!

Easy online access. Representatives are courteous and helpful to answer any questions that you have. If there is a problem, it is resolved quickly. I have been using USAA for 30 plus years, never had a problem or complaint.

USAA, for those of us eligible, is a fantastic bank. Active/reserve/National Guard military members, retired, and most veterans & families are allowed. My accounts have no fees but I'm unsure if that's because I'm retired active duty (started account while AD) or if all accounts are without fees. Even though USAA is an On-line bank, I haven't had any issue with the inability of actually going to a brick & mortar bank - in fact, it's actually quite refreshing. There aren't fees at ATMs but I typically just get whatever amount of cash I might need at the grocery or other store during checkout. I'd highly recommend USAA for anyone eligible to make an account.

Amazing bank and customer service!! ATMs located everywhere I need them. I love USAA and I’ve banked at quite a few of the major ones. USAA’s app is extremely accurate and easy to use. The use of scanning my checks was invented by USAA, I love them.

Their mobile app is very simplistic and easy to use. I can scan my deposit and it is posted the same day. The Customer service is very friendly and are concerned about helping you. They are very knowledgeable about their products and will offer other products that may fit your needs better. I also like the fact that they share some of their profits with their customers. Each year I get a deposit in my checking account that varies with their success. No other bank I know does that.

USAA is different from other banks. It has a credit union feel in a sense that they really get to know you. While they market their products to you as a customer, they never spam you or offer you irrelevant products. This really makes a difference. And so do super-competitive rates on property and casualty insurance and major banking and credit products.

We have been with them almost 40 years. There have been a few bumps along the way, but they have always made it right. I like there app. They were one of the first to offer electronic deposits. They offer online loan applications, and good service.

I've been with USAA for over 50 years and have always had great service at good rates. Their online banking features are top-notch and when you call, normally, you get an English speaking person that you can understand.

I have been with USAA for 40 years. After moving to Japan, I removed $200K+ from their Banking Division, as they were rude and provided horrible service from Japan. Talked to a manager on the phone and he was totally indifferent whether they kept my account or not. I did leave some money in USAA IRAA and Savings. I was the victim of identity fraud and by fortuity caught the thieves requesting a loan in Texas BEFORE USAA GAVE THEM THE MONEY! However, since USAA is NOT OPEN 24 hours/day, I first emailed, then called around midnight Japan time, then emailed again to make sure the thieves didn't get the money.

I chose USAA Banking, for I had issues with another bank. I like the way I’m treated plus the professionalism way of treating a customer. Customer Service, even after hours, one can talk to a live person, if you select to do business that way. I do recommend USAA for those people that are eligible; and want a bank with many options.

USAA for all your banking needs at no cost for monthly services. No matter where you are in the world; a phone call is all it takes to resolve the problem 24/7, 365 days a year. Need a new car, through their select dealerships they can make a purchase for you a virtually no markup.

USAA is an excellent bank for veterans and their family members who have served in the military. The customer service is excellent and friendly with the ability to inquire via phone or chat. The variety of services and products available is extensive. The online banking app and mobile app is easy to use and safe with 2 factor authentication. Their security measures are top notch. They have no monthly fees for their accounts only overdraft fees, which is understandable. My one and only complaint is the wait times to reach a customer service representative, at times, can be a little long. Perhaps they need to hire more reps. That is a merely an inconvenience. I highly recommend USAA Bank.

USAA STOLE $75 from my account. They erroneously deducted $75 from my account with someone else's personal check and refused to return it to me because I didn't report it within 60 days. After three attempts to get reimbursed, I have had no luck. This error could have been easily rectified by deducting the $75 from the correct checking account, but USAA apparently has decided not to do so. I had trusted USAA for 31 years and had passed on the USAA tradition to my children. Now, we are in the process of moving our money elsewhere. Choose a bank that you can trust with your money, not USAA.

The downside to an online bank is a lack of brick and mortar locations when you need a sum of cash that exceeds the daily withdrawal limit, a cashiers check, or other similar service. The customer service is excellent.

I have been with USAA since 1978. I love them! We have all our banking and insurance through them (Home and auto). Always available, always helpful. They have assisted us in buying vehicles, setting up children's accounts.

Ex-wife file bankruptcy NOT me. After being a member 29 years, after 3 years USAA submitted against me for 2 accounts in my wife's bankruptcy. 1 account was removed and after 3 years they added the other. The first account was removed from my credit report and they sent me a letter to provide to credit bureaus. USAA stated I paid until Jan 2020, now reports bad credit and I'm delinquent. I haven't paid in 3 years due to my ex-wife's bankruptcy. USAA bankruptcy won't give specifics but reports me as delinquent. I am being punished by USAA for something outside my control as a retired military officer. I've had several loans over the years with USAA.

Small $12K collateral loan denied. I am a 21 year member of USAA. 748 FICO score, 12% usage of credit used and 88% available, over 19 year credit history and several years since last revolving credit opened. Turned down because of Too many inquiries? 6 of 9 USAA.. Balances too high? Only have 3 all less than $5k highest being 42% usage.. Account opened too new new? Installment account a year old and with USAA.. I have and have had MANY accounts/loans with USAA over the years. I have ALWAYS paid early, more than what was due and paid off early! I would seriously look elsewhere before allowing USAA to make a hard credit pull!

The info is copied from my USAA mortgage website regarding the forbearance on mortgage payments due to Covid19. "Plan Summary. All monthly payments are paused for 6 months starting with your 04/01/20 payment: Key aspects of this program include: Payment relief; No late fees or penalties during the forbearance period; and No negative reporting to credit bureaus during the forbearance period." This is completely untrue, my credit score has PLUMMETED in last month of the forbearance. I only took a 3 mos pause and my other debts were kept current. USAA are liars and did me more harm than good.

I have been with USAA for 5 years. They work against you and not with you in all matters. They are not there to assist you but to make everything extremely difficult. They have high qualifying terms on all products. I am so happy to finally be firing USAA.

USAA has lost its mojo and lost its recipe for providing service to its members. Since June I have experienced repeated instances of USAA failing to act in accordance with my requests, taking action I did not request, and dissembling and diverting to avoid taking responsibility for its actions or implementing remedial steps. This is causing significant difficulty in managing our financial affairs. USAA is not the company it was many years ago when I joined. I would recommend against anyone joining at this time. We have had problems with their insurance and mortgage operations in the past and no longer place our P&C insurance with them.

USAA recently transitioned its investment accounts to Schwab. My company has a 401k with USAA that transitioned too. One of the staff member's account did not transition, and instead has been placed with "National Financial Services" as "abandoned". Here monthly contributions have been made in the most recent 18 months since she joined the company so whoever/however this account was determined to be "abandoned" was an error. The USAA reps contacted say the money will need to be taken from the retirement account as income with penalties and interest. The phone number provided for National Financial Services does not get answered even hours after staying on hold.

This Bank is the absolute worst Company I have ever had the misfortune to deal with. They are out of touch with almost all lenders. Horrible processing of loan papers. Lost documents. Out of sync with credit reports. Take forever to respond to any communication. STAY AWAY if you want to keep your sanity.

Local credit unions support our community and have much better customer service.

We have banked with USAA and had automobile and homeowner's policies with them as well as a loan for 19 years. We haven't had any issues until fall of 2019. Here's the first incident: We opened a savings account for my daughter when she was younger. She joined the military and has a USAA account of her own but we kept that savings account because...why not? She uses it. She got a call from USAA that they were closing that savings account and that she should've never had access to it. She felt like she was in trouble and that she had done something wrong. They "helped" her open a new savings account.

My wife and I have never had better credit more money in the bank. We have gotten several loans in the past. I had no idea that US AA had an F rating. If I did I would’ve never gone to them for a loan. My wife now does not want to get the loan due to the fact every time we turn around they are asking her for more paperwork. We have a total of 10 properties. We only owe on one of the properties. The payment is 1500.00 a month. All our cars are paid for. Credit cards paid on time. Income coming in from 8 property Plus my wife has a retirement income from being a teacher. She served in the military. Do you not go to these people for a loan.

After disputing the reasons given for a credit card application denial USAA personnel reviewed my credit file with me via phone conversation. They stated that not a single reason given was valid and even verified this with the Underwriting Department. However the USAA personnel stated they were unable to override the decision of their own computer algorithm. I am a 44 year member of USAA. 786 FICO score, 4% usage of credit available, 16 year credit history and several years since last revolving credit opened.