USAA Banking Reviews

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.

We were looking to open a business and did not use credit cards personally. It was recommended that we start to build our credit score. After calling around we decided that USAA had the best option with their prepaid credit card to build credit. We made our deposit and received our cards and everything was fine. Then a few months later they changed the program to not allow us to do additional deposits and no credit limit increases. We didn't like that because we knew that wasn't going to help us out any as we had planned to do additional deposits over time and continue to pay off the card every month. We stuck with it knowing that after 2 years the cards would become unsecured, we would get our money back and hopefully, our credit would have benefited.

I had no problem with USAA till they lied to me over and over again in regards to my Secured Credit Card. The other problem is that every time you spoke to a new representative he will give you a different answer to your question every time. They are very polite in their deception though. They told me when I first open my account for my Secure card that 'No worries sir, you will be able to add to your secured deposit after 6 months.' 6 months became a year, a year became 'we have to get back to you on that' which in turn became 'oh sorry, you can't increase it if you open it after 2011'. I am writing a complaint to the compliances bureaus. It may not do anything but it will dissipate my disappointment.

My wife has been a USAA member for a very long time, and up until the last few years, had been very pleased with them. She has a neurological degenerative disease that has taken its toll and now has trouble speaking, writing, using computer, etc... So online banking for her has gotten more challenging over the last several years. We therefore, have gotten a POA for me to assist with her banking and financial management. After facing the POA to them about 5 times, and them still denying it's receipt, I have up on it. We decided to close her accounts for financial ease, so I paid the remaining balance on an associated credit card I did not know she with USAA.

I have been a bank member for only a year but I will be moving all my accounts, including insurance and homeowners as soon as I find reputable companies. I do have a few bounced checks during my time as an account holder. I admit to that. I recently sold my parent's house and MAILED in a check with a deposit slip (because of the bounced checks my mobile banking app for checks deposited by phone was suspended). Quite a large sum...over $140,000.00 First my check posted in my account with a hold. Nothing unusual with such a large check. Then my accounts get frozen and customer service tells me the check is likely to be returned!?!? Called the issuing bank and the title company that issued the check. They HAVE THE CLEARED CHECK FROM USAA. So USAA cashed my check and won't release my money or unfreeze my accounts because they might return the check for fraud reasons. BUT THEY ALREADY CASHED IT.

BEWARE: I received a letter in the mail saying they are freezing my account due to suspicious activity. I know there are problems in the banking industry and with credit right now. But isn't the REPO agreements and Stimulus supposed to be bailing the banks out? Why are they threatening to freeze my funds. I have done nothing wrong. Apparently anyone with 10k deposit is a "suspect". Be careful. The banks are looking for excuses to freeze accounts. Rumor has it they are going bankrupt again...

Poor customer service. Our unoccupied vehicle was struck in a parking lot. Witness was established, photos taken of paint transfer, and police report filed. The cost of the repair was below the deductible, and the USAA agent stated that I would have to pay the upfront cost, and that they would go after the other insurance company for reimbursement. That turned out NOT to be the case, and I'm being held responsible for going after any reimbursement from the other insurance company. Poor service. False representation

I have been a member of USAA for over 20 years and I have used multiple insurance, banking and loan products. Recently I attempted to get a better interest rate on an auto loan than what was being offered in light of my tenured membership, payment and credit history and the fact that interest rates are currently at or near 0%. After spending 30 minutes on the phone (most of it on hold) and no elevation beyond the initial customer service representative, I got the same answer I got going through the motions on USAA's website. This has been a recurring theme over the last few years. I do not feel that USAA is living up to the individual customer service it prided itself on in the past. I am just another combination of 0s and 1s to USAA. At this point I am looking at other banking and insurance options as I can only take so many apologies from customer service that go nowhere.

I've been a member of USAA for almost 17 years. Within the past 5-7 years I've seen the company slowly decline especially after it opened up its membership and started doing more advertising especially on TV. Their interest rates are high now and their qualifying criteria isn't really disclosed other than they consider "multiple factors." Also, their fees and everything else isn't as competitive anymore.

The process was painless. Every question was answered honestly and explained to our satisfaction. The paperwork was easy and mostly done on the internet/email systems. We re-fi'd with them sometime later for a lower rate. That process was also painless and saved us tens of thousands!

I am beyond disgusted with USAA. My credit card was fraudulently used four times for almost $20k total in the past two days and I cannot reach any competent person who can help me identify where the breach is occurring or what I can do about. I've now been on hold for more than 2.5 hours and I am transferred from the line operator to executive resolution to breached account services where a lovely person named Carla hung up on me. When I called back I was told that I needed to be routed to yet another department. For such a large bank without offices, you'd think they'd care more and try harder with customer service on big security breaches. I've been a USAA member my entire adult life and I'm now 61. Tomorrow I begin the arduous process of transferring my automatic paycheck deposit and my recurring charges to a new local credit union and I'll be done with USAA. Beyond disappointing.

Just a veteran, but good enough! I had some unexpected major expenses three years ago. Good credit score, security clearance. Just drowning in high interest. Tried getting loans with credit unions in my area who make their fortunes from vets with clearances - namely Tower FCU and Navy FCU. They either turned me down or did a bait and switch on the interest rate due to my high D/I ratio. I even applied with online lenders who guarantee the lowest rates. But it was USAA that came thru for me in the end. I guess I should have known, as I've been very happy with their bar none customer service since day one. I'll be looking to refinance my primary residence and rental property soon. USAA won't have the lowest rate, I'm sure. But they'll be the first Bank I call. Trust me when I say, it's important to have a good relationship with your lender!

I bank with USAA. They sent out a notice regarding my trust. It was an urgent request to send various documents to USAA. Notice said if documents were not received by certain date, they would close the account. When I called to find out WHERE to upload the documents (the notice was utterly unclear, it was poorly worded... a 2nd grader could have drafted a better more effective letter), I had to wait online for 45 minutes. They've changed their MUZAC online, so you have to listen to a repetitive marching, electronic tune that agitates, angers, stresses out. And you must listen to this crap for 45 minutes! I've been with USAA for 45 years. Never has their customer service been so poor than for the past 5 years. I'm moving my money. Bottom line. They don't deserve my business.

I recently enrolled into USAA. I opened a savings account and moved several thousand into that account. I talked to a financial adviser and created an IRA into which to roll over my 401k. I then initiated the rollover, which hadn't occurred at the time that this happened. This morning I attempted to log in and found that I was locked out. I contacted support and after MANY handoffs I learned that USAA has decided that I was doing something fraudulent. They will do no business with me, and they won't explain the decision. And there is no way to have them reconsider that decision. They closed all accounts and restricted all access.

You have to MAIL in the endorsed check! Yeah, mail. I did, twice and the second time the check was lost. Then while I was trying to speak on the phone the representative “accidentally canceled my debit card” with one click. He was of course “very sorry” but it took 2 days for them to get me one. I went up the chain, spent hours on the phone with them. We gave up and opened an account at another bank. If they can’t figure out a way for me to give them my money, I need to find a place that can.

Twice now my debit card has been suspended due to potential fraud. USAA jumps to suspend debit cards for fraud without considering the potential problems. Suspending a card due to fraud should be done with a scalpel not a hatchet. In the most recent case my automatic draft to Verizon was cancelled along with 5 other transactions. I tried to use my card at two locations in my hometown that I visit frequently and the card was denied. This was after talking to a USAA Customer Rep and told that my card was okay to use. Talking to another two customer reps was also frustrating. The last auto insurance quote was ridiculously high. I will be looking for another bank.

Hello My disabled wife and I are being evicted Friday. First we were scammed for 3k then USAA Bank offset the debt by taking all of my income which is ssi and vets disability for Jan and Dec. They now have my wife's ssi frozen even though they closed and charged off my accounts after being a member for years. I was in a medically induced coma in august with a 3-7% chance of emerging from without brain damage but because I couldn't afford my meds. I was in the hospital following a seizure for 2 days last week. I'm a 53 y.o. disabled vet and 61 y.o. disabled wife sons on active duty 1st Special Forces Group Airborne. Full-time grandparents...USAA has my wife's SSI locked and without that we will be evicted. The Social Security Offset Act says their actions are illegal.

Due to low rates offered on CD’s, I sent the appropriate transfer documents to the fax number provided by the USAA representative, Alex, who assured me he had everything necessary to effectuate the transfer. It did not occur, so I recontacted USAA and was transferred several times between numerous divisions. No results. Finally I requested the executive division only to be once again given false info. Finally, I got a party who had some knowledge as to what to do, only to be told CD transfers took at least 48 hours. It has now been over ten days since the first request and the money has yet to be transferred. No one in the banking division seems knowledgeable. Do not place jumbo CD’s with this bank!!!!

USAA is NOT MEMBER-ORIENTED or MEMBER-FRIENDLY. A wire transfer initiated from Navy Federal Credit Union on January 16th has STILL NOT posted/released to my account as of today, from the 2-3 business days quoted on the 16th, to the 1-3 business days quoted to me this morning, as well as. I understand weekends and a federal holiday are to be taken into account. However, a Navy Federal representative calls USAA to provide the transmittal number to the USAA representative, USAA still won't release funds. The funds have CLEARED the Federal Reserve, aka the bank clearing house. I guess USAA's greed for interest is enough to lose a member. Poor excuse of a bank and deplorable customer service. Will NOT recommend USAA to anyone for ANY of their banking, insurance or other financial needs.

I have been a member with USAA for 19 years and up until last year we’re very pleased with USAA but boy has that changed. The latest issue is with making deposits via their mobile app. We have used this service for as long as it has been available and for reasons USAA can’t even explain, my weekly payroll deposits are being put on hold for seven days. Payroll checks! Seven days! This is inexcusable. Our accounts are always in perfect order and this is ridiculous! The resolution team is completely useless AND they wouldn’t give me a manager to talk with on the phone. I am so disappointed in USAA. I don’t know what has happened to them but they no longer care about service members and their families. This much is obvious. They also don’t care about our business because I told them if they couldn’t fix this issue then we could not keep our accounts with them but the representative couldn’t have cared less. Goodbye USAA.

I had vehicle financed with USAA and traded it in on another. The Dealership requires a 20 day payoff for all trades. The dealer paid the note off within 13 days and therefore a refund was due for the difference. I contacted USAA referencing the refund and was informed that, by their policy, USAA has 15 Calendar days to process the refund and then another 72 hours to actually provide the refund. It makes one wonder how they can charge late fees or charge interest for such time periods by its customers.

As much as USAA promotes serving veterans, I would NOT recommend them to a veteran, or anyone else for that matter. Reps do NOT do what they say nor when they say, and its NOT just 1 rep. VA mortgage rates are too high for being backed by the VA. Their advertised rate is for those with FICO of 740 or higher (gotta read the fine print) even though VA only requires a score of 620 or higher. I "Fired" them and took my VA loan elsewhere and am also considering taking our banking, investments, auto, renters and life insurance with them elsewhere as well - as these were already there when we applied for a VA loan. Very disappointed in their VA Mortgage dept..

After joining USAA in 2011 everything was fine until I filed for divorce in 2018. Based on baseless claims by now ex my accounts were closed and during the divorce process, I received a total runaround. This was done to ensure my inability to obtain material facts to prosecute my case. Conveniently USAA doesn't have registered agents in each state so this way litigants are forced to hire TX-based attorneys or pray for cooperation from adversarial litigants. Ex already admitted he bought off my attorneys to ensure I got nothing from the dissolution action. Here's an ex with unreported foreign bank account, fraudulently removed my name from "USAA" mortgage and only had his own name on the house but used my finances to qualify for a better mortgage (he was denied with another mortgage company), obtained a sale of the same home without my knowledge and used USAA designated attorneys in the SC area to do his.

I've been a customer of USAA for seven years. I thought their auto and renters rates were amazing. The bank reps were always polite. I felt special to be a member, admittedly a sucker for their whole veteran's "members only" schtick. Who doesn't like to feel special? Now I realize the company is all about getting as much as they can from customers financially, by whatever means possible. They really don't put veterans above profits. I feel like I've been snookered by the company.

Must say great bank to take your money but if you ever need them look out they will come after you. 2 major complaints, been member for about 20 years, last year it was Negative 50 here in MN, my car breaks down, so I figured I would call my road side assistance, yea lot of good that did, I paid for the service for years and the one time I use it I get told they cant get a provider and I would just have to wait until tomorrow, good thing you cant die stuck out in Negative 50 degree weather, oh wait yea ya can too. When I complained they call me from their corporate office and said they could not find anything showing a fail in service on their part, Guess putting my life in jeopardy is not considered a service failure, but I know this much they always took my money, and that is all that matters to them.

Highlight of USAA issues: Original mortgage on the first home in 2007. USAA provided a home equity loan because I had put a considerable amount of money down on the purchase. After closing, USAA sold the loan off to another bank and canceled home equity loan after they devalued the home value. Applied to refinance new home back to USAA. USAA made a verbal guarantee of rates. Later discovered their paperwork says they can change any previously made agreements. The issue here is you have to pay upfront, none refundable appraisal fee. USAA controls the relationship with the appraisal, you are not allowed to higher your own. After the appraisal, they increased the loan rate and delayed moving the process forward in an attempt to charge an additional $600 fee to extend the offer. After talking to a number of directors, it was basically said this is how they operate.

USAA is literally the worst bank ever and that is not an understatement! I have been with them 10+ years and right before the holidays they want to play "hide-a-transaction" with my account. After I made a purchase of $196.91 12/5 on 12/10 I noticed that my balance was way more than it should be so I called trying to figure out why. Well I after two calls assuring me that the money was "mine" to spend regardless of the transaction I knew existed (one guy even told me it was the Walmart fairy and said there was literally nothing he could do). I trusted them and spent the money. Well guess who was negative the next morning!

I’m a 37 year military and Government employee, I made an allotment from my government 401 (TSP) to USAA savings and made the mistake of using my member I.D number instead of my account number. Come to find out my member ID is the same number of an Air Force ladies account number. USAA never matched the name, social or DOB on the transfer. I notified USAA on what happened and it’s been almost 2 months of trying to get the money returned. First your member ID should never ever be the same as another person’s account number, second my other information I.E, social, DOB, address should’ve been matched and was not.

I’ve been a member with USAA for over 10 years. Customer service has definitely changed over the most recent years. I’ve had fraud on my account and USAA calls it legitimate. I recently deposited payroll checks under $5,000 and USAA has placed a 7 day hold on the check. This is ridiculous. I have to get a loan just to pay bills! I’m definitely looking for a new bank!

Our son had hydroplaned his vehicle and was a total loss. USAA seemed responsive and helpful initially. However, in the days proceeding that was not the case. We never spoke to our assigned claims adjuster. Instead we spoke to several other representatives that lacked quality training and information. The inadequacies and inconsistencies were continued through every call. The quality of service was poor and I was yelled at several times and given the runaround. I was promised the funds would be there and day after day there was no deposit.

Been with USAA for 15 years. I have auto and credit cards with them. Been great up until I decided to bank with them. Opening an account with them was easy. Making my first deposit was not. I get paid bi-weekly so my direct deposit isn't going to take effect till like 3 weeks after I open an account. So I had a paper check from my job. I made a mobile deposit. Bit mistake. They put a hold on my money that I needed to live on and pay Bills for 7 days. I called and chatted repeatedl, "Can you release some of the money so I can get by?" They said, "No it is in the agreement" which I didn't know about because no one talked to me about it. Set up all online; no person interaction. No matter how much I called they said cannot help til the hold is off after the 7 days. In the mean time Bills goes unpaid and I have to borrow money just to get what little food I need to get by.

I'm not one to post reviews, but I felt this was necessary... A few weeks ago, I learned about USAA Insurance and Banking, since I was looking to lower my premium, and interested in debt consolidation, I decided to reach out. First it was seamless, I moved my auto insurance from Geico to them, I refinanced my Auto Loan, and requested a personal loan to consolidate my credit card bills.

I have been with USAAFSB for a very long time. I started with USAA insurance over 50 years ago and have been with the Bank for probably about the same length. Last spring the Bank totally screwed up my automatic payment for my car insurance that had been paid from my USAAFSB account for many years by first listing, without my knowledge or consent, my wife's Bank of America account, as a recipient of money from my account. My wife has absolutely nothing to do with my account. She has her own totally separate USAA insurance account as the result of a prior marriage. Neither of us has anything to do with the others account. It took me many phone calls to get that resolved. Poor customer service. I don't think some of their people are very well trained.

The worst customer service representatives ever, people just transfer you around and never help, the screw you out of NSF fees by not allowing hinges to come through at the right time, they don't help you if you have a claim. They don't pay you even when they have your title and car, and when they do they screw you out of at least 5000. Still on hold as I type this, no help. I am switching today. Don't waste your time or money. You will regret it.

I was recently locked out of my accounts until I had answered a series of highly personal and offensive questions concerning my finances. No explanation given, and attempts to get one were not successful. After over 40 years with the organization, I will close my accounts. No other bank has treated me in such a disrespectful manner, and I see no reason to keep supporting this one.

For more than 20 years my VA compensation was deposited via auto deposit in a USAA money market checking account; with the sale of these mutual funds to Victory Capital (VC) doesn't not accept auto deposits. On a 6 Nov USAA press release "members do not to take any action on their accounts", however, my last VA allotment was accepted 31 May 2019. Allotment thereafter was returned to the VA, without alerting me. I did not discover this issue until the end of September, so I've missed 4 months payments. Neither USAA nor VC contacted me. Since then my VA account has been suspended and I am trying to work though VA's process to get my benefits restarted. All VC/USAA had to do was contact me, they didn't! I even wrote a letter to MBRS ADVOCATE at USAA, did receive a phone call, all I got was a "sorry" and VC will contact you, they haven't. Still awaiting VA to restart my payments, and reimburse me for missed payments.

I used my USAA credit card's cash advance feature to borrow money for one week while a lost check made its way to our checking account. I paid the exact amount back a week later and expected to see an interest rate charge for the 7 days that I used the cash advance. Later, I found out that my payment went towards the prior month's bill and saw that my monthly debit in full was indeed reduced by that amount. Note - I pay off my credit cards in full each month.

USAA has been downright awful to my family recently. As a customer with outstanding 100% on time payment history, with 6 different products over the 14 years I have been with them, they Reduced my wife's credit card limit without specific reason by more than 60% which caused great harm to our financial borrowing rating, with no changes in credit history or habits on our part. They increased our homeowner's insurance by almost double. We have never filed a claim or had a problem with our home. And after 14 years of banking they are placing holds on checks that used to clear without problem.

I rarely write reviews unless something is stellar or absolutely horrible. In this case, USAA's Banking is complete garbage. I've been with the company for over 9 years. Their insurance is stellar and anything I've needed on that end has been fantastic. USAA falls completely flat on the banking end. I had a card stolen and used which cleaned out my account.

Recently I sold a car and deposited the buyers check via mobile deposit. I called the day prior and asked if a hold would be place on the check and they said only a small portion would. When I deposited the check the entire check was held for 10 days. Now I can not pay off the loan immediately like I told the buyer. I was about to leave the country and wanted to get this taken care of quickly. I called USAA to ask if they could take off the hold and put the funds towards the car loan and they said no. If this was any other bank they would have worked something out. Also I had no other options because they don't have physical banks so I couldn't just walk in with the buyer and pay of the loan in cash. I am closing my accounts and will never work with them again. They are way too inconvenient.

Our refinance was supposed to close on the 26th of September, but it took them 2 weeks to get an appraisal on our home! It cost us an extra monthly mortgage payment and other payments as well! Everything we were supposed to send was sent on time, but waiting on their end was very irritating! I was told they were just too busy!

I'm a retired Navy Captain and a USAA member for over 31 years. As we say here in Montana, I have always "rode for the brand" when talking up USAA. But the last several years the company seems to be set on self-imploding with the subcontracting and selling off of its services and products. USAA Bank's (Feb 2019) recent fine of $15.5 million dollars for "unfair acts and practices" in its banking division has earned it a two star rating by various national consumer groups. In its Insurance divisions, USAA no longer carries Recreational Vehicle(RV) or Watercraft(boats) insurance (subcontracted to Progressive Insurance).

Was trying to figure out why I was removed from one of my joint accounts as I needed to put some money in it. Was chatting online with “Deanna **” and I couldn’t believe how rude she was. She kept telling me contradicting info as to why I couldn’t access the account and she got very upset after we went in a couple circles. It was unprofessional, I finally asked if she actually worked for USAA or if this was some sort of outsourced customer service company. She snapped back again then sent 4 or 5 messages about contacting a manager unless I wanted to “keep going around the same ground on this fine Saturday afternoon.” I just left the chat with my question unanswered. Seems like hit or miss with their service reps. She even threw USAA under the bus at one point saying USAA does this and leaves people like herself on the front lines to deal with it.

I was a USAA customer for 18 years, never had an issue with them, used them for insurance, checking. Out of nowhere they just shut down my checking account, no reason, no explanation, nothing... One representative told me they detected "business activity" another one told me "due to the agreement they aren't required to provide explanation".... So I'm not exactly sure the reason, but that was my primary spending account, and didn't even realize they closed it until I needed gas and my card didn't work so I'm stranded with no gas no card, luckily I was able to make it home on fumes and grab some cash I have laying around. But I'm still SOL until they send me my money. So while they were good for a while I gotta say at this point they get a big ** USAA.

I have been a member of USAA for 13 years. My son and daughter were each set up with student checking accounts, promised to move over to regular checking automatically when they turned 18. My daughter is 21, never uses her account, and has $0.51 in her account, yet it is still open and active. My son is 19 and has an active account which he puts all his part-time spending money into. He started getting calls from USAA that he needed to verify his identity and provide his SS card. I adamantly told him no as I thought it was fraud and a scam.

Not only do I work there, but also have been a long time member prior to working there and have had nothing but bad experiences. From holding my money for no reason to rude and inconsiderate people that have no empathy and compassion since they don't have the military family experience. People that they are now hiring lack that lifestyle and don't care about the situations our members are experiencing. I've even been told by a representative, 'well, that's your fault, not mine'. Wow! I've since then switched banking to Navy Federal and still having issues with them transferring my money correctly. I hate this company and do not recommend anyone in the military or their family members to go with them. They no longer care what Integrity, and honesty stand for. Instead only to make a quick buck and hire cheap labor.

Read online for more information about USAA PRACTICES- Fraudulent, Crooked Dealings leaving 40 yr members High and Dry on insurance claims, Depleting members' bank accounts from unconfirmed reasons and perpetrating these scams themselves that you yourself committed, freeze your accounts and collect the fraud amounts, ALL WITHOUT YOUR KNOWLEDGE AND WITHOUT GIVING YOU ANYTHING IN WRITING TO PLEAD YOUR INNOCENCE! This is highly commonplace inside this evil entity USAA, hiding itself behind its claim in supporting our freedom fighters and families. It’s happened to my family recently.

I have been with USAA since the 70's, so a loooong time. I've always sung their praises but I'm trying to buy a house now with plenty of assets and they are making the process absolutely miserable. Stay away from them for a home loan at all costs. I've had to provide so much documentation, it is absolutely ridiculous. And this is how they treat a long-time customer. I'm a person who has never filed a claim, has always had a good credit record and they are acting like they are doing me a huge favor by thinking about lending me money for the house. Today I'm ready to pull the loan and say good-bye to the house I wanted so bad. It's not worth what they are putting me through.

Have been banking here for over 20 years, multiple accounts, all our insurance, car loans, mortgages, etc. We had a lot of issues with USAA mortgage customer service with our last house, absolutely horrible experience but I overlooked it. I love the website and do all of my banking, bill paying, transfers, etc from USAA online banking. But, what I thought was going to be an easy request, turned into being on the phone for over 3 hours throughout the day and still not obtaining a simple car loan. I was in a hurry to obtain a loan to buy out my lease quickly. Through the website, I got approval, but the request didn't have the option of lease buy out only buying a used or new car, so going down the used car route did not generate the proper paperwork.

I applied for a credit card that was approved immediately. Two months later the credit card was cancelled by USAA. My credit score dropped 11 points. Their reason for cancelling the card was for, "lack of identification". I sent copy of state driver's license, retired military ID and proof of residence. What hurt the most was the drop in my credit scores, 11 points! I didn't even used their credit card, zero balance at the time they closed it. I Should have read all these reviews before applying for a card with USAA.

More than two weeks ago I was told that my son and I could get a joint account in 3 days. We are long time customers of USAA. USAA has now spent more than 2 weeks doing an ID review on my son. If they don’t want our business - tell us! Stringing us along and not keeping their end of the business deal is just wrong. My son is leaving the states next week and has no debit card thanks to USAA jerking us around so long. I called and called and called. No results. Today we walked into the local bank and had a joint checking account with a debit card on the way in a half hour. I really expected to be treated better, all my money is with this company that obviously does not value my business.

Have had USAA for a long time. Sometimes they are helpful, but lately they have been snippy and frequently disconnect the line. Our latest problem is in collecting the most recent two months of bank statements for our savings account. They refuse to generate July’s because of the “lack of account activity,” even though there has been an interest deposit each month. NOBODY will do it, so our home loan application is at a standstill for 2+ months. Irritated is an understatement.

USAA has been great for a lot of services, but for mortgages they are a total disaster. You can get a hold of anyone on the phone after leaving messages and they utterly ignore emails. Their escalation phone numbers that you may find reassuring on their emails and VM messages? DISCONNECTED! Seriously, I can’t warn you strong enough. Don’t bother with this. Just keep moving to find someone that will be on your squad when you go for a new loan. Everyone who is on your team during your home purchase will be frustrated by these folks. It’s not just your calls they don’t return, it's all of them. The title companies, the employers, anyone involved in the process is going to get frustrated.

I was unemployed for several months. Finally got my first paycheck and deposited it electronically. Then USAA decided they need to verify funds and puts a hold on the deposit!?!? I tried with no avail to get the funds released early. They wouldn’t do that because my last couple of months balance average was not higher than the check amount. WELL DUH! It’s my first paycheck in a couple of months. They can verify funds for the deposit a number of way. Go through the Fed, call the bank the check is written on, etc. THANKS USAA FOR NOTHING!!!

The online experience with USAA is a trip back in time. It's like it was too much trouble to create an online service, so, at all levels, it's just the basics. Most of the so-called services are in reality, come-ons. It's relentless. If you call to get your missing info; it will take about 15-20 mins to get to someone who has no answers not otherwise found on the website. Then it's phone tree pinball time. The people assigned to answer phones, hide behind the site and their anonymity. Why should I do business with a banker that won't tell me their name? The final insult was after just short of an hour on the phone, while trying to report suspected fraudulent use of my card, I was told they have no fraud response protocol/department/team. My only recourse was to cancel my card. Well, that's just incompetent. Like so many, just another veterans scam.

They have great customer service and I love their attitude. I love their banking facility in San Antonio Texas. Their insurance prices cannot be beat. Their website is user-friendly and can handle any of my financial needs. I can deposit my checks online so I never have to go to an ATM or a physical bank.

In general, I love USAA. I've been with them, using various products, for more than 25 years now. The disconnect comes in banking and investments. I asked them to remove my younger son's 529 account months ago. The rep. was more concerned about selling rental insurance and other products than in listening to me. That 529 account? It's still on my profile. I'll have to call again to get it removed.

USAA offers members cash back points for purchases made everyday. We appreciate the level of help and support USAA provides that has not been experienced by other online institutions. In addition, the fact that members can call in requests just simplifies transaction ease. USAA offers various incentives to its military members that other institutions and insurance agencies do not...all rolled into one transaction. This is why we have been members for over a decade! USAA has not only simplified ease of access in transacting for members, but offers greater value for remaining members that cannot be matched by other financial institutions.

The most customer focused bank anywhere, if you are eligible as military, ex-military, or direct family member. Member owned, you are rebated for atm fees, can deposit checks and do everything online, and if you need to call customer service they answer and it works.

Fantastic service, but aimed toward military personnel. Great loan servicing and auto insurance. They do have a few brick and mortar locations, but mainly near military bases. Their app is easy to use and deposit checks through. Fee rebates on ATM machines. Very friendly and excellent customer service when calling by phone.

I recently opened a joint checking account with my fiancé because I have always had wonderful experiences with USAA in the past and was looking forward to more. But... What happened to this bank that used to be so awesome?? I often transfer funds from our Chase account to pay bills, I like the convenience of being able to do that, but WHY is MY money often put on hold for seven days?? I’m very irate today, as I NEED every dollar I transferred to cover outstanding checks. This seems so unfair. My money is MINE, therefore it should be available upon transfer just like it stated before I confirmed it. Start making your customers happy again, USAA before you start to lose them.

My banking experience with USAA has been outstanding! No other banking institution compares (in my mind); customer service is exceptional: Their CSRs are knowledgeable, and diligent, in resolving issues/answering questions, etc.; and, because I'm on a fixed income, banking fees are non-existent! Their website/app/and fraud/security precautions are outstanding, as well; in the eight years that I've banked with USAA, negative experiences have been few and far between; even with a rare occurrence, whatever the issue, it was resolved with courtesy, consideration, and yes, even kindness; online banking with USAA is better than any brick-and-mortar financial institution that I've encountered!

Online banking with USAA is easy. The website is easy to use once you get used to it but it does take a few times through to get the hang of modifying automatic payments. It is a matter of clicking on unidentified symbols.

USAA has the best website and online banking is phenomenal as is their customer service. My only complaint is that they don't do business accounts so I have to have another account elsewhere and that is how I know, most other bank sites suck!

I started to have issues with USAA as soon as I moved from Tennessee to Arizona. They blocked my card stating it was fraud when I traveled and then sent me a card without notice. A family member threw away that card before I could activate it and I also needed to change my last name due to getting married so I called in to get that fixed. The agent removed the replacement card and made me sign a bunch of paperwork to change my last name. I was told to wait 4 business days and call back - still no change on the account and when I called in an agent was able to automatically change my last name.

If I could give 10 stars I would. They are user friendly and professional. The friendliness of their personnel sells their bank. The products offered makes you not need another bank, or credit union. They are THE bank!

Pay bills, transfer funds, no charge for checking acct., best deal in banking. I have also savings account, IRA, investment account. Unfortunately you have to be connected to the military to belong to this bank.

I have been with USAA Bank for 20 years. No problems. Their security is the best. User name, password, and then a six digit code is sent to my phone. I can talk to a Real person quickly with a different code. I have also had an IRA with them since 1994.

I think USAA is great. We not only have banking through them, but also homeowner's, life, auto, and renter's insurance through them. I personally have had my auto insurance with them for over 40 years.

I've been with them since I was 18 and they used to be SO GOOD back then! So good! Now, they're by far the worst bank I've ever dealt with. They make Wells Fargo and Bank of America look like perfection, I'm dead serious. No bank is worse than USAA now. They'll put random holds on deposited funds and then prevent payments from happening, resulting in NSF charges and pissed off mortgage lender and HOA board. I have had enough of their nonsense with the random holds and NSF charges despite having the funds in my account. Oh, a big issue with them is they will not update the charges and payments on your bank statement daily when you look at your acct via the app. Charges won't show for days and then suddenly you overdraft?! Are you kidding me right now?

USAA has top notch customer service where they will get the right person/dept to assist you with specific matters. They make depositing checks with my cell phone so easy! I've banked with them for over a decade and can always rely on USAA for managing my money and financing.

I have banking with USAA over 35 years. Security concerns are a top priority with me. USAA has never failed to protect me from shady vendors, or failed transactions. I have never had to deal with over charges or inaccurate account information. I can open a car loan or another such transaction on my phone while making the transaction. Their charges are reasonable and they are always extremely courteous.

My husband and I got a loan for a pop-up camper through USAA which was simple enough but once we went to do the walk through of the vehicle we realized the one prepared was not what we discussed. The check had already been cut with a different vin number so since we live in San Antonio we went to the main branch to find out that no one could help us in person. This is the most disappointing experience I’ve ever had at USAA. First they send you to the little cubicle to call someone in a different department then the 1st person we spoke with told us we would have to apply for a complete different loan and re-run our credit. Which wouldn’t make sense anyways because a credit report that’s been pulled is good for 90 days when everybody was the same for loan except the Vin number that was put on the check. She wasn’t willing to help us.

This a crazy store. You won’t believe but it’s 100% true. Back in 2015 I was hurt very bad at work, so I was placed on worker comp and started depositing check for over 2 years. Then problem with me payment for worker comp were found so they sent me a check over $17K. So I tried to deposit check (that was a big NO GO) ok after multiple call I had to give up. They would not raise deposit limit on mobile banking app (Hello you are a Bank correct?) so I was forced to go to the bank the check was drawn on. I had to account they close after I pulled money out. Crazy right. Go to another bank.

I submitted DD214 member 1, member 4, copy of expired active duty ID card, current VA healthcare ID, promotion warrant from while I was IRR. None of this is considered acceptable proof of my military service so I can't join.

Recently had a check bounce, was a few dollar short in checking. I knew I had my savings linked to my checking account and there was plenty to cover the cost. I then get an overdraft fee also a fee from the company who tried to cash it. So I called and they denied my accounts were linked. They have just lost a 10-year customer. I would not recommend!

They take advantage of veterans by putting you on hold for extended periods of time. Half explain processes then blame you for the issue, and have a serious lack of customer service. Go with your local bank because these guys are just out for your money. I have also dealt with their insurance side and they denied a claim after a F0 Tornado hit our home causing 30k in damage. They stated it wasn't that much damage. Had to push it with an attorney.

I have been a customer of USAA for a year and a half. I am getting married on July 20th of 2019. Today is the ninth. I deposited my birthday checks into USAA and they put a SEVEN day hold on them! I needed this money to pay off the ring for my new wife and called and explained this to them and they were TOTALLY unwilling to help me given the circumstances. I have NEVER done anything dishonest to USAA or given them a reason for this hold. I can understand 24 or even 48 hours but seven days on $800???? They have completely ruined my wedding and I will never forgive them for this.

I sent a payment to my mortgage account, that is owned by a different bank, through USAA electronic bill payment program online. The money cleared from my USAA checking account on time but never made it to the other bank. That was a big chunk out of my paycheck and set me back that month considerably cause I had to make another payment in person to the other bank so I wouldn't be late.

We have had a bank account with USAA for many years and have been happy until today. We have multiple accounts with a significant amount of money in those accounts. I work for a company that does not offer direct deposit and have worked there for over 6 months submitting my payroll check weekly via mobile deposit with no problems. Today they put a hold on some of the funds for a week. My husband recently took a new position and his direct deposit has not been completely processed so I deposited his check through mobile deposit and USAA put the entire check on hold for a week. I called because I thought maybe it was a fluke in their system but they told me that they although they did not know why this happened, that they could not release the funds. They said that it might be because my husband's job is new but I was like well how do you explain the hold on my check? No answer.

I have banked with USAA for 25 years. Unfortunately, their banking services are now 100% automated with no ability for customer service of just about anything. The phone support is just for them to tell you why they can't help you. They also don't really care how long you have been a member because there is nothing they can do according to them. VERY DISAPPOINTED!

I have been with USAA for about 17 years and I started getting away from them last year because something changed (Management or something). This here tonight took the cake. They would not let me pay my wife's credit card account from my personal checking account because SHE has no signature authority on MY account that I was trying to use to pay her account. This is after she gave them permission to let me pay it. We went through all the authentication on the phone and it came down to quoting federal law that only relates to corporate and foreign accounts to punish a husband trying to take care of his legally married wife. Mark you I am the military sponsor... Every other card my wife owns I pay by via web, phone app, phone call or at Walmart from that same account that is only in my name; EXCEPT USAA card.

USAA thinks nothing of their customers. Amazingly oh, their ATMs never work on a consistent basis. It's really amazing how terribly inconvenient this makes USAA. And the idea I thought behind ATMs was to be convenient? Time after time they do not work on a regular basis which makes you have to go all the way back and do your business the next day at the bank itself. It's truly unbelievable!

USAA proved the best customer service in the industry when it comes to property and casualty insurance. The USAA Bank is ridiculous. When dealing with member "service" representatives from the bank, I am reminded of the scene from the Star Wars saga where Jedi master Yoda instructs Luke, "There is no try. There is only do, or not do." I tried very hard over a period of several day to resolve issues with my credit card account. All I heard from the member "service" representatives was reasons they could not handle my very simple request.

I have been banking with USAA since about 1997. Never had a problem. Always courteous and helpful. I have a checking, savings, and my VISA card and a CD. I like the online banking feature. I highly recommend this bank.

I loved USAA. I have been a member for 25 years. I trust them with all my banking, credit cards, auto insurance, home insurance, and life insurance. That's why I'm taking the time to write this review. They let me down, big time. They instituted a national signature card review. The short story is that my daughter's account was separated from my husband and I's account, after we were expressly told that her account would not be separated from our account. After several calls with different customer service reps (could never get the same person twice, had to start over with the situation each time), we sent in a signature card that had the effect of allowing our daughter to see our account but we couldn't see her account. It was truly amazing to call back repeatedly and get terrible customer service.

I have just read multiple complaints similar to my complaint about USAA. It amazes me, that this company is still in business. Both of my parents now retired from the military, have banked with USAA for over 10 years. My parents opened an account for me when I was 17 and I’ve had it since then. I am now in college, so I’ve been a member for a few years now and never had any real problems. On Jun 9, 2019 I was contacted by USAA about suspicious activities/transactions being conducted on my account ($2500 check deposited into my checking, a $2500 check deposited into my savings, a $2500 USAA transfer into my checking and then four debit card transactions around Metro Atlanta). I told USAA that I had not made those transactions, being that I was in another city three hours away. They told me that they would put my account on hold and look into it and not to worry.

I deposited $3990 into the USAA atm machine right after selling my motorcycle and the atm only gave me credit for $3390. I immediately called to dispute the transaction and was told sometimes with brand new bills the machine does not recognize all the bills and they reimbursed me the $600 difference. Then a month later they took it back, said they couldn’t locate the missing bills, wouldn’t explain to me how they went about recounting the money to see there was a discrepancy and basically told me to get bent. I would not ever recommend depositing ANY money into a USAA machine after this event. BEWARE!!!

USAA denied our homeowner's insurance claim because according to them as best as I can understand, because I changed our deductible before we had a bad event happen. I had no possible way of knowing what was going to happen after changing our deductible. I appealed and the same adjuster who denied the claim the first time also denied my appeal. I kept pleading with USAA as I didn't know what was going to happen and I had no bad intent. The adjuster's supervisor responded online that his decision will stand.

I’ve been with USAA quite a few years with my checking and savings. Have used them in the past for automobile purchases. Just yesterday I applied for an automobile loan and was sent a loan estimate that had my amount, interest rate and monthly payment. It fit my budget so I’m all in now right? I hit the green button to finalize loan and guess what...BANG!! THE BIG SURPRISE!! Interest rate was doubled. Now I have a hard hit on my credit, dealership is calling for me to come pick up the car as we agreed.

Another horrible banking customer no service experience. After nearly 3 decades of membership I have had it. Moved to Costco for mortgage and auto loan. Will take auto insurance to Costco too, and move savings and checking to local credit union. Tried to figure out why my SS deposit suddenly has label underneath it that it is "pending direct deposit". I saw this label last month too, but after 5 clerks and 3 supervisors and nearly 1.5 hours on the phone, I gave up trying to get an answer.

I have had several auto loans with USAA. Always been great until June 2019 declined. They could not verify my identity. Really? Just got 75,000 Dec. 2018 for new truck. All you get when you call now is ** females with a profiling attitude. Every time I call USAA that's who answers the phone and you never a positive solution. It's like they have a second agenda. No I am not racist though it could sound that way but just call USAA and see if I am right. I’m leaving USAA and going to Navy Federal Credit Union. Bye bye USAA.

Since April, I have been trying to open a checking account with USAA. I did all of the preliminary work to become a member (I sent in my driver's license and proof of military service) and quickly started my membership. Once becoming a member, I wanted to open a checking account. When I tried to open one, the website said that I was ineligible because my military service could not be verified. I called them, and the representative that I talked to put in a front door request for my verification, and said to wait 2-3 business days.

It saddens me to have to write a poor review of USAA Banking. We have been members for many years and always felt valued until the last year or so when we began to experience degradation of service. Beginning in August 2018, we had an issue that could never be resolved. More than that, we could never reach anyone in their escalation office who would speak to us.

USAA froze all of my accounts because they said a check I deposited over two weeks ago looks suspicious. They said the check did not return and they are still waiting to see two weeks later to see if it will. What is especially frustrating is that they initially told me the hold would be released within 3 days. Meanwhile they've frozen my savings accounts and checking account including my recent direct deposit from my job. Furthermore, it now commonly takes upwards of 15 minutes to get an associate on the phone. USAA has all of the headaches of a bigger bank but with none of the conveniences such as abundant ATMs or branch offices to visit when dealing with issues such as mine.

I banked with USAA for 3 years without too many issues. Come to find out that was because I was giving them a steady cash flow. Had some unlucky turn of events on top of going through a divorce. So my daily account balance started to decline. Since that happened they started putting holds on my checks for 2 weeks causing my auto withdraws to not clear, then charging me ISF fees. I call to see why this is happening. They tell me it's happening because I don't have a lot of money in my account. So when life gets tough USAA makes it infinitely harder. So all in all just another predatory banking system that gets to use your money freely how they want but will not give you access when you need it.

The associate sounded very immature and I heard commotion in the background. I have been a member for almost 15 years now and got denied in less than 30 seconds. The associate seemed relieved to be done with her job. She gave no other options. ** USAA.

I have been a USAA member in good standing for about 8 years. A month ago I deposited two money orders and the amounts were put on hold. There is no local branch office, so I could not do anything about it. I called them to find out why my amounts were held when previously my deposits have always been fully and immediately available. They had no answer. I waited a month and needed to deposit more money, so I called to find out why that had happened and what was going on. Crickets. I got some fancy e-mail saying their office is investigating, but I never have received an explanation. Previously I was able to cover any kind of issue or overdraft or whatever same day with a money order deposit from their app. Now I can't deposit anything without a week long hold.

All three of my children have bank accounts with USAA and I have credit cards with them. Used to have car insurance but their prices just finally became way too high so I switched out. Youngest daughter opened up a savings account. They sent a form saying must have a W-9 signed. I uploaded it, faxed it, mailed it and called at least three times as kept getting letter saying it wasn't done. Rep told me the document was in hand and all was in good order on their side and that they would stop mailings. Well they did stop the mailings and then started tax withholding on account also.

USAA is a great company in general in light of the fact that it deals with the military, and has a lot to offer as far as a variety of services. Mortgages, on the other hand, are relatively new, and since they deal with the VA, it adds another layer of communication necessities. Sometimes it is hard for the right to know what the left is doing, and because of that, the customer, is left out in the cold as far as what is going on. As they continue to work with these mortgages, I am confident they will do better.

Was notified on a Monday that there was "suspicious activity" on our account and froze both accounts so neither my husband or I could access any of them. Called and was told within 24 hours it would be released after we verified. That Friday they were still frozen, and was told Monday it would be unlocked. Monday comes and goes with yet another phone call and was told it would be Wednesday or Thursday. We can't close our accounts because they are locked. As soon as they are released you can bet we are taking our accounts and insurance coverage somewhere else. What a joke USAA is!!

I have been a member for 30 years. No longer, I will be ending my association with USAA. I was sent notification to upload documents for my daughter’s youth spending account. These documents included a driver's license and social security card. The day I received the notification the documents were uploaded and the website stated successfully received under review. Over 20 days later her account was closed for not providing the requested documents. I contacted USAA to find out what was going on. NO ONE could tell me where the documents I uploaded were and I was told a “security department” could view them.

What happened to USAA? I have been a member for over 10 years and have had nothing but positive experiences until recently, which seems to be a new trend as I'm seeing on this site! I have recommended USAA to everyone! As a struggling college student, then a struggling young adult, they had ALWAYS helped me to work through any issues. My checking account has always been used for direct deposit from my jobs over the years.

USAA is a horrible company to do business with. I have been with this company for about 30+ years and it appears to be time to withdraw all my investments and go with another financial services company for all of my needs because their level of service just keeps dropping and dropping and dropping. I have noticed this over the past 2 decades. Their service started to go down when they opened their member enrollment to military non-officers, and it just keeps getting worse, and worse, and worse. It appears to me that they are now all and only about turning a profit, rather than assisting their members with their financial needs. I used to recommend USAA to all my family and friends but my advice is to now go with another company, or companies.

I made two mobile deposits today in the amount of $1799 total. One deposit was for $299. The other was for $1500. They released $500 total and kept the remaining $1299 on hold until 5/16/2019. I called to see if they would release all of the funds as there are things that will draft against these funds and was transferred to a senior representative charged with addressing these requests.

Member since 1993. Grateful for the many years of superb customer service, but seems USAA’s tremendous growth has forced them to outsource. Now it feels like a below average bank. To make matters worse, rates are not as competitive as they used to be; could not match GEICO by a whopping $1,000!

This is about the loaning department and does not reflect the people, rather the service they provide. Do not take this when considering their other services. They say personal info is taken into account of other situations when it comes to unsecured loans but that is not true. They really only use machines that automatically checks the numbers and keywords and that's it. And if you need money that bad pull an AER loan, trust me you want 0% interest. I know many young service members join but if you are young or have bad credit and would like to finance for a car or anything tough luck. You'll have to wait at least 6 months or whatever it takes to have a decent score of 660 or higher. They also are bad when it comes to financing with credit. They report whenever the machines feels like reporting. So your credit score can drop by not being updated and can update mid month.

I attempted to have a portion of my payroll distributed to my USAA account. I entered my member number instead of my checking or savings number. And from that mistake, my funds are seemingly lost...even though my member number is connected to my account? How is that right? They contacted me to tell me they conducted an investigation and that my funds have been deposited into an account but they cannot retrieve said funds. And to contact my employer because there is nothing they can do on their end. Absolutely the worst financial institution I've ever dealt with. Never again. Despicable.

I have been a USAA member for many years (over 50) mostly for insurance (car, boat and home) and have observed a steady decline in service. Recently I have had to deal with the investments group. My recently deceased son signed on with USAA several years ago and made investments with them. As I have tried to settle his estate I have had to deal with the investments group. What a nightmare this has been! Picture dealing with the worst, most inefficient government bureaucracy imaginable. Every time I try to talk to this group I get transferred several times and then they don't follow through on my request. I must call back several times to complete simple transactions and of course you never get to talk to the same agent so I must go through the story again and again. It is not only annoying but also an emotional strain.

On Wednesday I deposited 2 paychecks into my account via mobile deposit. I had a payment scheduled to come out of the same account the following day. USAA put a hold on most of the funds and hit me with an nsf fee for $29. I called to complain and find out why my paychecks had been put on hold. No reasonable explanation other than my account balance was lower than the amount of the checks and the funds would be on hold for a week. A WEEK!!! In this day and age, NOTHING should take a week to verify! I could understand if the checks were personal in nature, but I have been depositing checks from this company for a while now. Unacceptable. I am switching to Navy Federal and see if they treat their customers better.

The other departments at USAA have been good (in my experience) but the Dispute dept and CEO office are horrible. They lie to you, they don't send notices like they should (which is part of why they got fined 12 million dollars) and they still haven't done anything to fix it. I get an email in Jan that says I'll be getting a restitution payment "in the coming months", here it is the end of April and NOTHING. They've even had the audacity to tell me over the phone they've paid other members but not me. It's laughable how horrible USAA has gotten. Even the CEO office doesn't respond when it says they will. They are liars and thieves, like most banks, but there are better banks out there. Check out Navy Federal, they have WAY better reviews! I'm switching also. :)

Rec'd a letter dated January 3rd concerning a restitution check of $181.59 being sent to me. Well, today will make 111 days with no check in sight. In fact, Dewey, Cheatham & Howe (or Larry, Moe & Curly-take your pick) say it could take up to a year to receive anything. Meanwhile the pansy***** are intimidated to the point that I have been blocked from their FB page to voice my concerns and read those of others that have been screwed over

I had an issue with my checking account. I used the online chat and began the process of seeking assistance around 11:00 am. I was given the runaround and then disconnected so I started the chat process again. Again I was given the runaround when I asked to speak to a supervisor. I was told all supervisors were in a meeting but someone could call me back within 24-48 hours. It’s Friday. I needed my issue resolved immediately bc I had no access to funds in my account. I left my number anyway and ended the chat and called back, thinking if I actually spoke to a live person they might help. I again asked to speak to a supervisor since I was told the first representatives are unable to help. Again I was put on hold while rep contacted a supervisor.

I had fraudulent activity on my credit/debit card. I was told a new card will be sent in a few days. Never received it. I had to wait 9 days without a card. No access to money whatsoever. I was told to borrow money.

USAA was recommended to me by my brother. So I gave it a chance. Seems to be a mistake. After joining and opening a bank account I wire transferred a substantial amount of money, then during several following days, 2 small bank to bank transfers just to get some confidence. One day at noon after only 2 weeks, I opened the online access to check the status of the account. Later that SAME day, and for now 4 days, I was denied the ability to sign on with NO advance warning or explanation. All I was told after a lot of effort and nagging and phone calls on my part was that "They" wanted a copy of my driver's license, with no reason why. I sent it to them the same day. Now after 4 days, I still cannot get access to the account holding MY MONEY. They blocked me in less than one day, and will take 3 "business days" to resolve my problem. AVOID USAA.

Their entire 'Customer Service' department seems to be motivated to avoid any sort of 'service' and to turn their customers away. Examples are too numerous to list, although I am on extended hold/transfer right now with USAA and am using this otherwise wasted time to write a scathing, but well-deserved review.

I have been a USAA customer since 2008 and the past couple of years have been pretty lackluster. I live in the Philippines and can't use a debit card to pay all my bills like in the States so I have to withdraw everything from an ATM. I have to call every week to get my limit increased to the amount I need and I have to give the same story EVERY time even though I ask them just to put it in the notes. Eventually I got my limit increased through a request and that took over a year. When I withdraw I pay a fee of $5 from the ATM service I am using and another $5 for international fees charged by the card provider so this would leave my account negative by $20-$50 every month but my disability always covered the difference on the 1st when I am paid.

Customer service is absolutely the worst I've ever dealt with!!! For the past 2 months I've called and spoken with at least a dozen different reps (half of which were at the executive level) to resolve an issue caused by THEIR error and the issue is STILL NOT RESOLVED! They keep telling me a different story every time and each time, they say that the issue will be resolved in 2-3 days and "someone will call you back" to confirm. No one ever calls back and the issue is never resolved. I'm convinced they are just trying to wear me down in hopes that I'll give up and stop calling. As a veteran, I am so completely disappointed in USAA.

I am a disabled veteran with PTSD, I have been banking with USAA since 2010. Over the past couple years because of my illness and trying to navigate the trials of the VA, I have not been financially stable. In August of 2018, I lost my job. Since that date, USAA has charged me more than $2000 in NSF or Overdraft fees. $844 of which was taken directly from a deposit of my VA disability, leaving me with less than $200 to survive on for the month, and absolutely no way to pay my bills.

Used USAA more than 30 years. Pleased with banking, insurance, credit cards, bereavement services, brokerage, fraud handling, etc. Their customer service has always been helpful and resolved whatever issue I have had and always asks if there is anything else with which they can help me. Our only bad experience was with a mortgage refinancing application. It seemed every time I was close to finishing the application, there would be more documents to gather. We couldn't finish the application in the allotted time and had to pay for an extension. I complained to one of the reps about the "run around" I was getting and she apologized and finally explained they were getting handed thousands of new regulations from the Obama administration each month and couldn't keep up with the constant changes. We got all the issues resolved during the extended period and have been pleased with the loan maintenance service since.

I had fraudulent charges on my account in the amount of about $95. It’s been a month and they still won’t help me, they say the charges are valid when it’s an absolutely obvious scam from the UK. I will be leaving USAA completely after this nonsense. I will trust my money to a bank that doesn’t take care of their customers.

We've been with USAA for years and have always had amazing customer service - every time we've called! Website is intuitive and easy to use, insurance is great - Love all their services - only wish they offered business accounts!

USAA used to have good customer service, but that has deteriorated and USAA is now among the worst banks. USAA's mismanagement is so severe that it is under 2 separate recent orders from Federal Agencies relating to USAA's woefully inadequate customer service and management, as well as USAA charging illegal fees to customers. One case was brought by the Consumer Financial Protection Bureau, the other by the Office of the Comptroller of the Currency, and both orders are from early 2019. In one of those cases USAA had to pay millions of dollars in refunds to customers it charged illegal fees to. That is how terrible USAA's management is.

Over forty of my 90 years I had utilized USAA, until I eventually found its auto rates were exorbitant, not veteran friendly as advertised. Then, determined to end my remaining relationship I approached USAA Banking to settle the credit card account; but my issues were ignored, no replies to emails, phone calls, or letters, just negative credit card reporting. Recently I was notified that the balance on the account was cancelled. Consistent with its poor service, USAA Banking has, nevertheless, continued negative reporting on an account which no longer exists.

I am currently searching for another bank. USAA Federal bank has high-jacked my bank account and I cannot use it. I have spoken to the CEO's office, who promised to call me back this past Friday 3/1 and I am STILL waiting 3/5. I can't leave the house to grocery shop, because all of my money is frozen for some idiotic policy they claims is Federal. It's nonsense. I can't wait to get away from them. Further EVERY time I call there is more than a 15 minute wait time. I just called and the current wait time is 25 minutes! They're almost as bad as calling the IRS! I want nothing to do with them. My advice is that you don't either. It's too bad, I was looking forward to a long relationship with them since my mother was with them for years. And after reading all of the reviews on this site, I'm concerned about the auto and home insurance I have with them. What a pickle!

After 14 years of having a w9 on file they said it wasn't filed correctly (which it was and I have proof) and they stole our money from savings and checking interest. They refused to refund us the money back to our account. This is very upsetting and probably a case for a class action lawsuit. The form was correct for over 14 years and interest was given up to Dec 2018 and in 2019 it is all of the sudden it is incorrect and they steal our interest. You even can't speak with a clear higher management to resolve the issue. They just call and leave messages on the machine to call the main 800 # to call back. It is absurd! I can't believe they are willing to lose a long time good client over such a small amount.

USAA has never supported me as a disabled Vet. For one, they never refer to me with my rank like they say in their false commercials. They have never approved any loan request but I have 4 home loans through other financial institutions including a VA loan. I have over $250,000 in another bank but I was just declined for a $12,000 loan!! They are definitely the wolf in the sheep skin and could care less about veterans.

There's a customer service reg rep who gave my asset to child support... yeah I'm putting her full name out there. Her name is Karen **. She is a disgrace to the company as well as USAA for not examining proper documents and also USAA for not overseeing... She gave ALL my assets to CSS Child Support Services not only did she do that... but the USAA under Color of Law 1983 didn't even notify me. Don't worry I'll be writing the CEO and if he doesn't respond I'll go straight to media and and write a story so compelling that USAA will go out of business. Mark my words. USAA then proceed by saying, "is there's anything I can assist you with and thank you for trusting USAA" lol...you gotta be kidding me. You give all my assets away and you want me to trust you... tip ALL Veterans stay out of this bank. I'm going to tell my friends to drop it. They used to be a legit company. I couldn't rate it a zero but this company is a zero zero zero...