USAA Banking Reviews

For some reason I eventually paid it off not knowing whether somehow it would affect my husband - but it hadn't ever been heard of for years until then, and a few months later I call and the woman tells me she couldn't believe they did that and that they could get in trouble. Anyways I knew my coverages I had on my policy because they had to be higher where I moved from and I asked to keep them the same for security. Well I couldn't tell you anything about my policy because once I had an accident I find out that the limits were changed, my son passed away in the accident and I have never in my life felt so horrible for the coldness as if it was just the norm. No help whatsoever. I did fight for my medical insurance to cover injuries, and even had gap insurance and life insurance.

My limits were changed to bare minimal which still was plenty to cover the vehicle since I had gap - well with the accident I knew something was wrong with the car. But I had no idea what to do, who to call, what to ask? They offered no help, except for me to realize that they wanted that car back and apparently the adjuster just said it was a total loss and then they prepared to sell the car, to get more money. Now because they sold the vehicle, there's no proof except from the medical examiner that we were all buckled, and there was obviously a defect in the car with the seat belt. I've called several times and now, I am involved in a court case for this that has went in for over 2 years.

I called them recently for help on finding out what could be done and they said, "Sorry for your lost but you hit the 2 year mark and we should the car on such and such date." I pulled the VIN on the car and they knew that he passed away and they lied to me about the car and literally sold it within 2 months of the accident. I told them I need that car inspected and I called the NHTSA for help and they told me to call USAA to preserve the evidence. I called them within the first several weeks and they say, "oh - well we thought all that was finished." Fast forward... We have a truck loan we have had a few. We have great credit and we are retiring, I asked for the debt protection to be removed and they say, "Well we can put the money straight to the principal every month, and it could be laid off faster." I'm like ok - so I sign the form. Then they say through email we need husband to sign - ok no problem, so I call them to handle it.

The man says, "Hey you know, we could actually refinance the truck" and I'm like, "Really? That's great." Well after he runs our credit, he comes back and needs to talk to my husband and so he does and says there was an alert on his credit. So we find out through the credit people, all he has to do is verify it is my husband through identifying him since we already have the loan there, and it could be done... They refused and said we have to handle it and get it removed. Well also tried for a home loan as well, we were denied on that as well. We have close to 800 score only 2 cars and 2 credit cards. Besides that, on my accident I had accident forgiveness but rates still hit me for increase of 125 a month.

I know all this is out of place, but I worked insurance and the personable relationship you establish with people is better than any phone number you will ever dial and not see a face. They don't care. We have been through every bad thing in life and the hardest part, is that they had 25k to put in an estate account for his benefit, and you know what - we did a Gofundme account instead, because we didn't want to feel as if we were abusing the insurance company. Isn't that crazy. I pray - people read these complaints. Living military life is the hardest life in the world for me and the isolation is unbearable, so to not have a company have your back is heartbreaking. All my neighbors all ask each other if their rates went up.

Over the next, 45 days, I probably spent 20+ hours on hold with more, "Front End", where I came to learn much about USAA. Banking is actually called the back end vs. the USAA phone line which is the Front End. I was unable to reach or communicate in any way with Banking AKA the back end. My only option was to deal with front end Customer service reps who could only apologize because they cannot ACTUALLY talk directly to "Banking" either. Let me say that again in another way. USAA Banking does not allow me as the customer to communicate with them...at all. Nor am I able to speak to them in any correspondence method phone or email. Are you kidding me? This is a bank, telling me I cannot talk to the Bank. Who exactly is USAA Banking accountable to?

Current state, this fiasco is still not resolved. Because the Cashier Check they lost sometime after signed for it on Dec 21, 2018, cannot be canceled until March 19, 2019. The buyer has a truck he cannot drive; I have a truck still in my name which I must continue to make payments for. Plus I am required to pay his insurance payments for the truck he cannot drive and is parked in his garage. Plus, I will have to pay the late fees he will incur for titling his vehicle 120 days after the date of the Bill of Sale.

Finally, because it lost, but he cannot cancel it, he has to call his bank weekly to ensure it was not cashed by someone other than USAA. This sum of money may not be much to a multi-billion $ corporation like USAA, but this was the single most important bank deposit I have made since selling my house in 2005. I entrusted it to USAA. The only thing you have not cost me here is the sale. He is working with me and I am thankful for small blessings.

Finally and worse from my perspective, the end state excuse I was provided by USAA was that; although they cannot provide me what date, who mailed it, where it was mailed from, or provide a USPS tracking #, or any physical evidence whatsoever that it actually occurred, that due to insufficient direction on my check, let me state this clearly as this sums up the ridiculousness of the entire scenario; USAA bank, snail mailed a signed, $20,450 Cashier to the UPS that I spent $45 at to overnight to USAA.

They did not inform that UPS or anyone else, even though my address, registered to my USAA # was the actual return address. Further, according to USAA, there is nothing USAA can do to offset or assist and I should hope that it does not get cashed because USAA will not be responsible for that either. That (and this situation) will be the last time I make the mistake of trusting USAA with my banking. I filed a BBB complaint and it should be obvious by now, am in the process, and hope to complete by April 2019, shifting all my families finances to Navy Federal.

To make matters worse USAA bank issued homeowner insurance on that said house that I didn’t buy and charged me $160 a month. Then they cancelled my current renter's insurance. When I tried to log on to my account to see why I was being charged an extra $160, USAA had locked me out of my account. When I called to see what was going on I was told my account access has been blocked for fraud and I’m not allowed to make any changes to it. When I asked for proof of my insurance for the home I did own they refused. When I asked why I’m being charged insurance for house I don’t own they accused my lender of my current home of calling them and telling USAA I bought the house.

1) My lender had no idea I was ever looking at the 2nd house. 2) Lenders can call you all day, I get to chose which company I want to insure my new home. 3) Escrow pays for my homeowners not my personal bank account, 4) 60+ days later USAA is still charging me for home I don’t own. Still locked out of my account, every time I call I’m told someone will call me in 3-5 business days. I had to go thru my bank to flag USAA from taking money. Thank goodness I don’t bank with USAA. I also had to have my new insurance company cancel my home and auto policy because USAA refused to let me cancel.

The whole thing was/is a mess and random and should never have happened and definitely should have been handled within minutes of me calling. To make it worse USAA put fraud notes against me on my account tarnishing my name and credibility with the company. Wonder how long Stuart Parker can live off his predecessor's name?? I hope USAA can get it together... Highly recommend 3rd party Audit(s).

I couldn’t use any cards or even login online!!! Then some bills were rejected because the account was frozen so USAA started making random debits to my account with no explanation or notification. When you would call and ask why they are taking debits out of your account, they don’t know why and there are no notes on my account. They have to investigate. 2 days later they tell us it wasn’t them. It was Instacart. The next day someone tells us it was USAA that took the money because they froze our account the weekend before which rejected bills which they manually had to process, but didn’t know how to post it in the system so they put a misc debit of $200 with no information, notification, or notes on my account.

This bank has turned into a circus. And... same month. I get notification from the state that I’m being fined for not having auto insurance. (GA) I call USAA and oh, they forgot to turn in the GA proof of insurance to the state. It’s a coaching lesson. Then...I rolled my 401k into an IRA through Charles Schwab. USAA lost my 401k, deposited it into someone else’s account, and still haven’t giving me back my money!! That was 4 1/2 months ago. I have filed a federal complaint and a BBB complaint and I highly encourage you to do the same. They are holding our money while profiting on interest. This is a CRIME!

Finally to a filter human being, which authenticates who you are, then passes you on to another person who might actually be able to help you (all the time running up your phone bill). I will say eventually USAA will resolve your issue, but at a cost to you. It should also be mentioned that you can get competitive insurance from USAA online, but if you need cancel a policy, you guessed it. You must call. With today's banking options, I will opt for either of the two banks that I withdrew my money from. Additionally I had went all in, and used USAA's investment services, do not do it.

So after 10 years of ON TIME insurance payments, a couple missed payments in a year due to financial crisis and they completely screw me over and leave me without car insurance. I even complained directly to USAA and talked to top tier customer service managers and didn't take my customer loyalty into account at all. For a company that actively advertises dedication to families and quality service for customers, they have completely missed the mark. It is clear they are just trying to make money off of you.

In addition, I have been charged so much money due to NSF fees with this bank. It literally costs you nothing when a transaction is returned. They are literally profiting off of you not having money. If I don't have enough money in my account, simply reject the transaction. Why do you need to charge me $30 that you know I do not have. I have moved to Chime Bank which has absolutely no fees!

I pretty much assumed the check was a fraud because I had read and heard where scams like this had been on the rise. So did the fraud representative. He then went on to ask my son if he had given someone his debit card and PIN number to make the $8500 deposits. He went on to try to manipulate my son into a confession based on there are no records of debit card chips being cloned. Upon further research I found that this was not true. The representative asked the same questions over and over and stated that an investigation concluded that our accounts had not been hacked. He pretty much just blamed my son and closed out the case without any further conversation nor a more thorough investigation because he says my son's debit card and PIN were used to make the deposit.

Mind you, we have Life360 on our phones so I'm able to track where my 19 year son goes. His schedule is like clockwork and on the day this deposits was made my son was at work and didn't leave. The same day that I discovered the deposit was the same day I received an alert from USAA stating, "your request for a limit increase has been approved." I did not make any request and thus selected "no" on the USAA alert. I find it pretty coincidental that not only did someone else put the limit increase request in but also they kept checking the balance of the acct over and over after they had taken the original $520. And after the initial deposit was made. Some of this information I received from different reps of USAA.

On Jan 8, the day I found out about the deposits and called USAA, the person was still checking the balance for which a hold had already been put on the funds. My son, was standing right by me and had not left the house which is a part of his normal routine. Someone kept checking the balance and tried to make withdrawals up until Jan 12, which was the last time I checked with USAA. None of this seemed suspicious to the bank. The fact that I could be calling them about the fraudulent deposit but someone is still checking the balance and trying to makes charges in the UK. Clearly we don't live in the UK.

One of the fraud agents even asked if my son wrote his PIN on his debit card. I told him I was offended by this allegation and was then cold transferred to another department without my knowledge. During this ordeal I was made to feel like my concerns were not being heard nor were valid. Someone was allowed to steal from our accounts but we were held responsible for it. My son was paid but USAA took all of the money without waiting on a real investigation and not just an assumption of guilt. I have been with USAA for 10 years and although I heard stories of USAA dropping the ball on these types of issues, I didn't think that I would ever have to go through it. They are suppose to take care of their new and tenured customers, not accuse them of fraud.

A couple of days ago my daughter told me that the same exact thing happened to her co-worker but the sum was $5000. After much fighting and police involvement USAA called her and told her that a teen had been arrested for suspected fraudulent ATM bank deposits and withdrawals. He was found with cloned debit cards, stolen checks and wads of money. He apparently has created new PINs for all of the cards and was able to utilize ATMs all over the Killeen, Harker Heights and Cove area without being caught. I have yet to receive a call from USAA. I have already started removing my funds from USAA and will no longer do business with them. Customer service is horrible and they really need to do better. They don't really deserve to service veterans or soldiers. Situation had not been resolved.

This time they said that they don't want to do business with me. All because I called them out on the way they are treating customers. No notification via email, phone, text or USPS, all of which is on record. They know I am a retired Veteran. It took them a minute to take my funds to open the account and tell me it takes 60 days for me to receive the funds back. After conducting simple internet searches, there is a pattern of behavior with USAA and had to be sued. It amazes me people are still with them. One thing for sure, they don't like people pointing out their deficiencies.

Between this and the issues I have recently been having with their auto insurance company, I think it is time to jump ship from USAA and move over to Navy Federal Credit Union where I will receive better and more reliable customer service and information. Very disappointed in USAA's lack of consistent policies and procedures over the last 10+ years and their inability to take care of a long standing customer. Goodbye USAA.

When I called they said it was based on my average balance for the month. I told her I had an accident so I didn’t have any income for the month, could they please look at the month prior. There was nothing she could do. When I called the next day I got the same answer. A sidenote they also put a hold on the $34 check a client gave me. The money came instantly out of my Bank of America account. I could have taking cash out of Bank of America and driven it to Texas or wherever they have offices in less time than they are holding onto my money. I think they must be having financial trouble.

Needless to say, I never appreciated Navy Federal Credit Union, banking service as much as I do today. I will never do banking business with USAA. They locked my account due to their own negligence to obtain all verifications upon opening my checking account. Unethical and untrustworthiness. Took three days to unlock the account and by then I requested to have the checking account closed. I am so glad I had not set-up my direct deposit with them yet. Something told me to wait.

So last night I went to an atm to withdraw some money. This atm took my damn debit card. Which that was my only debit card since I don’t need 3 different bank cards. So I called USAA and they canceled my card just in case of fraudulent happen. Then they apologized for that happening. To find out that the bank I went to would shreds my only bank card. So USAA say they would order me a new card. Well they even did checkbook. So I could have some money until I got my new card. I didn’t know anyone that had USAA since it's a military bank. The lady I talked to ask me do I know anyone. I was like no but Well after all that I realize that my friend has USAA too which it helped a lot so I could get cash, well he explain everything they transfer money to his account so I could have cash on me until my new bank card. I love banking with them. Thank you for always taking the extra step.

She tells me due to my Average Daily Balance they couldn’t release the funds. I asked for a Manager and there wasn’t one available. She then says that she had the highest power in the bank as a Manager and Director. She was very rude as well. The acct that I have is a Disability acct for Social Security and all the funds need/have to be used. So the Average Daily Balance would reflect low because of the type of acct it is. So I check the acct this morning and the check was returned for being $20.54 short plus $29.00 NSF! If the $50 was released, I wouldn’t have had this issue! If you they were going to charge another NSF, then it could have been paid! I was going to be charged either way and that $50 would have covered the outstanding amount. This bank does not care about your needs! They’re just nosey about your everyday life! This bank is Highway Robbery! Do Not Bank Here!

They received debit cards in the mail, but still cannot get their money back. USAA is holding their $75 dollars hostage because my veteran son-in-law does not have proof of residency. This money could be feeding my grandson if nothing else. I can't believe a company that is supposed to be dedicated to helping our veterans runs their business this way. So don't open the account, but return the money back to where it came from already. SO DISAPPOINTED IN USAA!!!

I literally just provided that information three weeks to her surprise announcement. In other words, her failure to check whether the property was a VA property caused me to lose all rights to apply and continue in the process without resubmitting everything! When I complained to management, the USAA response was that I should have known it was not a VA approved property. When I asked the CEO rep where was the VA approved list, he simply answered, he didn’t know! Stay away from this company! I have never dealt with people so disorganized and uncaring in my life. I decided to rent after this experience. I was too exhausted to try another bank or to acquire another hit on my credit score. Choose another financial institution for your mortgage needs!

I asked them don’t save my credit card information yet they did and I asked them not provided information to my ex-husband which was removed from my account and guess what you guys they provided him all my information that I never provided him and he told me the Insurance did which he did not have my verifying information and the manager informed me that they listened to the call and was so sorry! You're sorry for giving out my personal information to a crazy person! That’s not on my account.

Once the bank did catch it they locked my accounts down, which is what should be done, but then after not hearing from the bank for 3 days I called and that is when I found out that USAA has decided that I would be held liable for this and the money withdrawn. Also the checks were counterfeit. So now I have no access to my money and my account is negative $14,000. Way to protect and look after your customers USAA, never again will I bank with you.

USAA missed the fraud charges to begin with, we were not notified, we did not receive any notification of overdrafts that were related to the fraud, and the whole time they blame us. They failed their clients and will do nothing to support the people they supposedly care SO much about. Do not trust your financial security with this institution. While it may look so good up front, do NOT expect the same treatment once something goes wrong. They will turn on you in an instant and do nothing to aid you in a time of need.

Refused to give me a reason why, refused to take an additional documentation, refused to adjust my loan terms or take a larger down payment, basically just didn't want my business. Forced to find a new lender that would haul ** to close in under 25 days, out my earnest money no matter what happens, and putting the seller of the home I'm buying in a ** spot. Luckily I am getting excellent service ELSEWHERE. BE WARNED. THEY DO NOT CARE ABOUT YOU.

While the $603.'s was credited the following day my accounts were blocked for several days. I have talked to USAA almost daily and have changed some security codes again. To date, I have made the usual notifications to Credit Bureaus, Police and others, but still fear and check my accounts daily. I am concerned though, why didn't USAA verify the Debit Card especially being mailed out of state? We have been members of USAA since 1962 and my confidence in USAA is truly shaken.

I have just a basic checking and savings with USAA but any issue I have had they fix immediately. I had a breach to my checking and someone went on a PayPal spending spree, within 24 hours my 2,500 that was taken was replaced to my account and I had a new debit card. I am going to start the USAA secured credit card (despite all the flack I have read) because of how positive my experience has been over the last 7 years. Also... if you look at other sources there are plenty of positive feedback to be read. I do think though, location is huge on the experience you will have with this company. I am in the Northwest and never have ANY issues with this company.

Anyways I know we had told them we wanted it because USAA just paid for a vehicle 2 yrs ago when my father passed away. We have this protection on all our vehicles. If anyone reads this Don't Use USAA. They don't stand by you. Everyone I see I will let them know not to use USAA. Thanks for nothing USAA. All I wanted was a phone call from someone who cared!!! There is so much more to my story on how bad I was treated but I guess Mr Stuart Parker could careless for us MILITARY folks PAST AND PRESENT. I'M SO ASHAMED of your Customer service!!! Please excuse my typos. I'm just upset.

Lo and behold a week later (I think he just didn't ask and dropped the ball) we got a letter saying we were denied the loan based on the trust. Arthur didn't follow through, didn't find out the information for us, didn't do his job. In my opinion he decided he was superior and could do what he wanted. I then called to get an answer very simple answer. Could have been fixed by my lawyer and moved forward. At the end of my conversation with another loan processor he asks if I would like to reapply once the trust is fixed the way they needed it fixed (we have individual and they needed a joint trust). Not hard to do.

I am now in the process of fixing the trust but not for USAA. Not only will I never ever reapply with USAA but I also wanted to post this to let people know they can use USAA if they want (I have other things like insurance with them). But pray you Never Ever Ever get the loan person named Arthur **, the rudest, most unhelpful, self appointed God syndrome person I have not had the pleasure to know.

My experience has been unbelievable. There is no way to get to anyone at an upper level of the organizational chart to assist in solving your problems, so you are stuck with going from rabbit hole to rabbit hole at the functional level with no meaningful solutions. Let me tell you, it is hard to reach the point of almost giving up on a company that for so many years we considered to be part of our military family, but that is the point at which we now find ourselves. Advice? USAA is not the company it once prided itself in being. If you're thinking about joining; "Let the buyer Beware."

I need the money for a downpayment for my home and USAA could care less. I was advised to request funds with a withdraw form that USAA supplied me. I faxed the request form on a Wednesday, paid $8 to fax it and they sat on it for 4 days doing nothing. I finally called them on the fourth day and got someone off their ** long enough to do something. Their financial advise this time is send a check thru the mail. It's been 11 days now and NOTHING. This is why I got away from the banking service, the insurance service and now it's time to say goodbye to the retirement service. I am going to roll both accounts on Monday out of USAA. NOT A MEMBER FOR LIFE and soon to be NOT A MEMBER AT ALL!

They gave me two companies in 6 years. Think your credit rating matters? Not really not as much as it should. Buying owner occupied? Be ready to be asked to provide letters from employers or something in writing stating you will live in it (what they are really looking at is to ask you "are you going to rent it out" -- they don't trust their clients -- shop around.

Their only excuse was federal guidelines which I know is a joke because my mother just had the same exact situation but with a Federal Credit Union and they removed the hold that day because it was a check from a large financial institution. My senior rep I spoke with said, people can get fraudulent checks for treasury dept. So basically calling me a fraud and trying to deceive the bank. It is absolutely ridiculous. I just opened a new account with a credit union which multiple physical locations and much better service. I can’t wait to ditch USAA and their joke of a Military bank.

So now in September I shall close my banking account, go to a bank who has quality employees. I noticed you have a low rating and many, many complaints and unhappy customers. I will make it my priority to inform my husband's friends with whom he served in the USN (43 years of active duty serve) go to Yelp and other websites to share my many experiences. It is apparent that no one cares about their faithful customers at USAA.

I tried the chat line - no intelligent answer there, so called the number they list for banking --- after I go thru all my disclosures, etc., I ask the lady why they mailed a check, instead of just transferring the $ into my checking accts. - she said "That was USAA's policy, I'd have to ask them." I said "You are USAA," she said no, she was just a call center, not a bank employee. WHAT??!! I requested to talk to a real USAA employee, and after several minutes, some VP of something came on and said they sent me the forms, so that should've been enough. Had no answer for why I received no "alerts" or "notifications" I am signed up for.

I said I would sign up for a new savings acct. if she would just stop payment on the check (no idea where it is), and then just transfer the funds into my checking acct. with them. She said can't do, as it is not their policy, but she would help me sign up a new savings acct., then send a check to me to put in that acct. "WHAT?!!!" For now they still have my checking and credit card accts., but I am proud to have opened a new checking AND soon a savings acct. with Navy Federal, where they really do appreciate veterans.

So it's at 3%. We end up doing 5% down and then they ask for 10% down and I said we're not going to do that and I honestly believe they just want more money because that's how they make commission so they stuck with the 5% and made it work even though we were approved for the 3% down and we are under a budget and on top of that they pushed her closing a week back and on top of that now we're not even closing until Monday because of the fact that they took too long to get the documents to title so their customer service absolutely is horrible when it comes to mortgage loan and I do not recommend using USAA. Also our lender was very inexperienced and he didn't know how to do his job.

I find it pretty insulting that a company would have a building, and employ people in an area they think could drop into the Earth at any second and not even have the decency to insure them. This prompted me to start looking at all the other aspects of the business. When I was young and first in service I had heard all the wonderful things about USAA, and had always balance my accounts between them and Navy Federal before I finally consolidated everything with USAA. I had always figured that a company founded by veterans and for veterans would provide me the best products and services, so I blindly followed without looking out into the market.

Well, I found MMSA, Savings Accounts, Checking Accounts that all provide a higher interest rate than USAA, not just a little bit, but by a vast amount. USAA used to throw me a dollar in interest each month for allowing them to use my savings to loan money to other “members”, at my new bank I get somewhere between $30-$50, each month in interest alone! As my savings continues to grow that number will too, that is good money compared to the peanuts divvied out at USAA. As a result I moved all my banking business away from USAA.

When I paid off the mortgage on my last house with USAA I was told that within 30 days I would receive my escrow balance and any overage refund due to me. At day 30 I had received nothing, so I called. They claim they had sent out the checks over ten days earlier to my PO Box, which I never received. The representative told me they had received returned mail on my account several times, I guess they never thought to call me and ask if they have something wrong. The representative stated she would stop payment on those checks and send out new ones to my new physical address, and to allow 6-10 business days for them to arrive.

Ten business days later, nothing. I called in and was told the last representative had stopped payment on them but never sent out the new checks. I was no longer interested in waiting and asked if they could be wired. Of course! Please allow 24-48 hours. 48 hours later… Nothing. I call in and find the last guy had sent the wire this morning and I needed to wait another 24-48 hours… Unbelievable.

Later that day I received a call. Nationstar, the servicer of my mortgage with USAA could not deposit funds into my USAA account without a check that had both my wife and my name on it, they would need to mail out the checks and I would need to wait 6-10 business days. I asked to speak to a supervisor. After an extensive discussion the supervisor finally agreed to overnight the checks to me. The next day… Nothing. The day after Nothing. I called in. This time I asked for a tracking number, and got it. I checked. The label had been printed, but UPS has not yet picked up the package. I called in again and was told they would not pick it up until Monday so it should get there on Wednesday. Now, at this point I was told on a Wednesday they would be overnighted, and now was I being told it would take until Wednesday to receive my checks.

Now I have finally received my checks, at the 57 day mark. I have discussed the account with all levels of the company and have been advised that they do not feel there is any issue with this. I have spoken to representatives, managers, the President’s Complaint Team. Every one of them has informed me that they feel they have done nothing wrong. To this I ask: If a customer mails out a mortgage payment and it is not received by USAA, is there a late charge assessed? Yes. If a customer mails out a mortgage payment and it is not received by USAA does interested continue to accumulate on the remaining principal balance each day until the payment is received? Yes. USAA clearly feels that because they are the big bank and we are the little customers they do not have to abide by the same rules, and legally speaking they are correct.

However, USAA is a bank that claims to have morals and integrity, and exist for the sole purpose of serving veterans. I expect this kind of treatment from Bank of America or Chase, but I expected more from USAA. I guess that is my fault. So since I have been unable to resolve the issue with USAA, I closed all of my accounts. I have moved them to a bank that treats me better, and that I have no expectations for them to do so making it even more meaningful. USAA may see this, they may not and they probably do not care either way. But I have heard my friends and family speak of their recent dealings with USAA, and they speak with the same dissatisfaction I am expressing here. It will add up.

To all of those reading this and considering banks know this. I got my mortgage with Navy Federal Credit Union for 0.50% less than USAA was offering. I moved my Checking Account to Capital One with 0.19% more APY than USAA offered. I moved my MMSA to Capital One with 1.55% more APY than USAA offered. I got my Life Insurance with AGI for $78 less per month than USAA quoted me at. I got my Auto Insurance with Progressive for $102.87 less per month than USAA was previously giving me. Shame on me for feeling USAA was anything more than another big bank, I will not make that mistake again. Don’t be the young private in the military convinced that USAA is on your side. Don’t be the son or daughter of a service-member and think you have access to some great bank.

So after promising to check the recording to verify if what I asserted was true, they then said they only keep the recordings for 30 days and so my assertion was invalid, and they would go with the written offer to include only purchases. They had verbally assured me that I could use the check and it would be included in the offer, and I foolishly believed their verbal advice. How convenient that they choose to erase the evidence of their mistake so they said they would not have to honor their word, even after I gave many details of conversations about it over many hour-long calls.

If you are anything promised by this company, don't act on it unless you have the phone rep send it to you in writing first, as regardless of how many years your been a good customer they will not honor their word and have found a way to effectively do a bait and switch by erasing any proof of a promise that shows they made an error. If they really cared about their customers they would keep the recordings for at least 12 months to honor their promises. Is storage capacity really such an issue in this day and age?! No of course not, so this is a corporate decision that has been made to abuse their loyal customers. The reps could not counter this point that I made again and again. This used to be a great company to deal with but I cannot and I will not now recommend it to a service member who I would not want to be treated as I have, or to anyone else, so add me to the list of other old customers they have abused.

True to their word, USAA closed all my accounts 30 days later. They even charged me a $20 account termination fee for closing one of the accounts. Most of my cost, though, was the hours I had to spend to move all my accounts and business to new banks and to file paperwork to avoid taxes on the closed education savings accounts. I thought long and hard about what could have prompted USAA to want to close my accounts. Then I remembered that about 6 months earlier, I had received a suspicious voicemail from someone claiming to be from USAA wanting to talk to me about activity in my checking account and asking me to call him at an unlisted number. Recognizing this as a possible phishing scam, I had instead called USAA’s main customer service number, told them about the voicemail and the name the caller gave, told them that I’m happy to answer any questions they have, and asked them what I should do.

They had said that they had no record of anyone from USAA trying to call me, that it was probably a phishing attempt, and that I should ignore it and forward a transcript of the voicemail to abuse@usaa.com. I did exactly that (and received no response). Now that USAA decided to shut down all my accounts, I began to wonder whether that voicemail actually *was* from USAA and my lack of a return call to the given unlisted number was why USAA was unhappy with me. I wrote to USAA customer service asking whether that voicemail from 6 months ago was in fact from USAA and whether that was related to them closing my accounts. In the letter, I said that if the caller wanting to ask about my account was indeed from USAA, I remain willing to answer any questions they had, since I’ve done nothing wrong and have nothing to hide. USAA did not respond to my letter.

Despite all my financial accounts with USAA being closed, I still had car insurance with USAA. When I logged in to USAA’s website a month later to get my latest insurance statement, I found that my online access had been suspended. I called USAA customer service and asked for my account to be unlocked so that I could access my insurance statement. The USAA representative kindly unlocked my account and then, without me asking him to, read me the notes in USAA’s file about me. The notes apparently said that USAA had received a letter from me asking why my account was closed, that letter had been forwarded to the office of the CEO, that they had investigated and found that the voicemail I had received 6 months earlier *was*, in fact, from USAA, and that no response should be given to me.

The USAA customer service representative said that he had never seen anything like this in his many years working at USAA. He said USAA would only drop a customer if the customer committed a grave violation and that there would typically be warnings given. He reviewed my account himself and said he saw no record of any warnings nor any suspicious activity. He agreed that my not returning the voicemail probably contributed to USAA’s decision, though he didn’t know the reason. He agreed that I had done the prudent thing by contacting USAA customer service when receiving a call asking me to call back at a non-USAA number. He recommended that I write to the office of the CEO and explain everything.

So, as suggested, I wrote to the CEO of USAA and explained how I have only ever acted in good faith to protect USAA, that I have not done anything against USAA’s interests to my knowledge, that USAA seems to have erred in telling me that they had not contacted me when they had, that USAA’s error seems to have led to USAA’s decision to close my accounts, that their account closing fee is unfair since I didn’t *choose* to close the account, and that it was poor customer service for them to not respond to my earlier letter despite the fact that they realized they had erred when they researched the matter. To this, I got a curt response saying that they had a right to stop doing business with me, that they exercised that right, and that they will not be writing to me further on this topic.

I wonder what I did to get this treatment from USAA. On one hand, whatever it was must have been very minor, since they only bothered to leave me a voicemail asking about it (no email or letter) and they let me go on using my account for most of a year after that. On the other hand, whatever it was must have been so severe as to justify shutting down all of my family’s accounts without explanation and to get no reconsideration when the matter was escalated to USAA’s CEO. Since then, 9 months have passed. I recently got a personal credit card invitation from USAA offering a $200 introductory bonus. I thought to myself that USAA must have finally come to its senses and removed me from its blacklist. I applied for the card and was accepted by USAA.

However, several days after using the card for the first time (to buy baseball tickets for my family), my account was shut down without notice. No bonus was paid to me. I received a letter in the mail saying that my account was shut down “for unacceptable behavior or activity”. I called USAA to ask what the unacceptable behavior or activity was. The USAA representative, after putting me on a long hold, told me that my account was closed for the same reason why my accounts were closed last year. I explained that I’d never gotten a reason last year and this was the first I’d heard of “unacceptable behavior or activity”. I asked if he could share details. He replied that he had no further information for me.

Since opening that credit account, I’ve received three more credit card offers from USAA. I won’t bother trying to accept them. It’s sad that a once great company like USAA has such a bad case of organizational schizophrenia and poor customer service. USAA has repeatedly demonstrated that its left hand has no idea what its right hand is doing. It punishes its good, long-term customers for being conscientious and avoiding phishing scams and it is unwilling to acknowledge when it is wrong.

It used to be that if a suspicious charge appeared on my debit card, USAA would call me to verify it and if it was not mine, they reversed the charges and sent out a new card. I signed up for withdrawal alerts on charges over $1 and upon discovering an unauthorized charge recently, I called USAA to report it. They said they couldn't reverse it but they'd cancel the card number and send a new one while the fraud investigation looms. It took two days for a "temporary" refund to appear on my account and USAA emailed me to say they are investigating, but if they find the charge was valid, the refund could disappear.

What kind of change occurred for this to be the approach in handling fraud? I will most certainly be looking for a new bank after this final disappointing experience in which the customer is treated like garbage. I would have had to teleport to another state during work hours for this charge to be valid, much like previous fraudulent charges - USAA is not showing that they value customers by implementing a cumbersome process for resolving these disputes and allowing fraudsters to wreak havoc.

Sent a simple principal payment. They credited a 10th of the amount to my account. Not a big deal but not what was stated on the check or the detailed letter which was sent with the check. Third strike - RV loan again - credited my principal payment as a standard payment and overbilled interest on my account for the current month and on top of it pushed my auto reoccurring payments out several months. And for the second time; not what was stated on the check or the detailed letter which was sent with the check. I'm going to pay off the loan and simply leave my account dormant as in the past. I couldn't imagine trying to perform actual banking with this company.

My car has been repaired twice and still isn’t safe to drive. There is no ETA on the seatbelt—another national back ordered part. I was asked if I wanted my car repaired or totaled and then explained the process that I would get papers in the mail for title/salvage, then today I get a call informing me the Claims Director denied totaling it and said repair some more and stay in a rental. Now I understand why Montana has a class action suit against them for claims handling. I guess they’re assuming this single mom won’t have enough money to fight. I’ll keep sharing my experience until they make this right.

A few days later, bills were paid. Great! Well, here we are. It happened AGAIN! This time, I transferred the funds from my USAA savings account to cover bills and other spending because we were on vacation. I was hit with 4 NSF charges, 2 one day, 2 the next day, yet when I transferred the funds, the system said the funds would be immediately available. I called USAA to find out what happened. The CSR said there were not enough funds to cover the payments. Yes, there was until they took the NSF fees! The CSR claims it is a "live system" and cannot refund the NSF charges because I previously had NSF fees refunded. I explained what happened previously and that here we are again. I swear money "disappears" from my account. For example, I transferred $150 from my savings account, spent $97.40 but only have $31.20 available. How does that happen? They said there are funds "on hold" but there should be nothing pending!

It's payday again and so I transfer money to pay bills again. Now they have put the entire funds' transfer in my account on hold for 10 days and there's NOTHING they can do to release the hold. They said the transfer of funds is "expected to be returned". What the hell does that mean? The transfer was processed from the other bank! USAA is a bunch of crooks! Take your money elsewhere! We will be closing this account next month!

My "buyers beware" for USAA Banking is: their customer service does not know how to service/support our specific population like they advertise (lip service); nor do they care. I later attempted to file a formal complaint against the individual where I was looped around the phone system, at extend hold times; and met at times with a "end all be all" attitude. I wasn't able to file the complaint, however I did end our relationship. I left after several incidents (less insulting than this) at different times throughout the years. This one broke the back.

Meantime, bills that were owed went unpaid, transfers to other accounts did not occur, and we racked up charges for overdrafts. USAA did eventually get the right thing done. However, when a less drastic instance happened and an expected deposit at another bank arrived later than scheduled due to a typo for the account number and two of our checks based on that deposit written to our USAA account could not be collected, USAA locked our checking account down, has disallowed photo check deposit or any transfer of funds from or to our USAA account. I have contacted them many times through email and phone and have only been told that the account could be locked for up to a year due to this incident and that this was the automatic system and could not be overwritten.

I finally spoke to a highly placed supervisor and he will submit a report to the review committee who may or may not release the lock on our account. When the hack happened to us, no other bank we dealt with considered such a thing. But now, after over 30 years, USAA is having a great deal of difficulty unlocking our account because 2 checks totalling 400 dollars (which were paid with re-submission of the checks) initially were returned. Despite their advertisement, personalized service is a thing of the past for USAA. It is sad, but they have grown too big for something that used to be their calling card.

My fiancée’s Mom is a PhD and spouse of a career 0-6 DDS Navy Dentist). Fiancée has Master’s degree and 816 credit rating. I am career Navy Pilot retired now with 835 credit rating. Both boys are A students at Naval Academy and University of Northern FL. I’ve been with USAA since 1981 and seen their service declining steadily recently.

Their campaigns stating that they support military families...BS. They won’t even tell you on the phone what the problem is. When I looked online I couldn’t believe what I found. They don’t participate in BBB...ok but there are numerous complaints from service members stuck overseas without the resources or other bank accounts that we have access to. I’m thankful our nightmare of having thousands in cash tied up only lasted a few days in reality. For others, I feel very bad that they’ve become just another insurance company that cares little about its customers. We've alerted friends and shall continue to post and educate the general public about the power we give USAA and I’m sure others in those user agreements we sign which I didn’t think would ever be used against us this way by an ethical company without notice, reason or due process. Thank you.

So again I called again and they told me that yes they did received my lease but It didn't show where it was signed. So I told the rep to just cancel my account and send me my money, she informed me that she couldn't transfer to me anymore because they needed my documents, I again asked for a supervisor and she told me that no one will talk to me because they needed documents. This is the WORST bank I have ever had to deal with. All I want is my money back and close this account. I don't ever want to deal with these ppl. If I want to close my account why does it matter that you receive my lease. PLEASE CLOSE MY ACCOUNT AND SEND ME MY MONEY BACK. I have heard so many bad things about this bank and didn't want to believe it but I have had first hand to see what they were talking about. I will never refer anyone to bank with y'all... Bad customer service all around.

Today, 11/7/17, my card was declined. When I called USAA, I was told it was because of the account being used for business use. After several calls, much explanation from me and much frustration, USAA is closing my checking account, without warning. When I asked why I wasn't informed, I was told that they mailed me a letter today... the same day the account was put into credit only status. This means I have no access to my money. They are not willing to give me access to my money by transferring to another account or withdrawing the money, etc. I am supposed to wait for 7-10 business days after they decide to permanently close the account to receive a check. USAA is keeping my money hostage. How is this not fraudulent or at the very least unethical behavior?

If I had been told when I first called a month ago that I needed to change the name on my Paypal account, I would have done so. I was not made aware how dire a violation this was to buy things with my Paypal business account or transfer funds to my checking account from said Paypal account. Again, the first letter was a warning and I was led to believe it was a non-issue and the note on the account would be sufficient. When I asked to speak to management to try to resolve the issue, I was told they would send in my feedback. I was told that nothing could or would be done and was made to feel ashamed and like I had committed some horrible crime. I have also been locked out of my online and mobile access so I am unable to access any of my accounts with USAA including my insurance, the kids’ savings accounts and their college funds. All of which I will be taking elsewhere.

I get choked to death with all the verbal gratitudes and apologies, but they are in reality just company rubber stamps meant to appease. There is no "ownership." If there was a direct phone number to any of the retired generals who are directors of USAA available I would call it. Are they not aware? If USAA was within 100 miles of where we live I would go sit in their office and not leave until I got what I needed. If this were a military unit, and this were an inspection, it would rate an UNSAT. There is someone at USAA that is responsible to its members to make sure it serves and responds to them. Not only does that person need to relieved for us the members, but for the reputation of the USAA institution that took decades to earn. I'm leaving USAA Banking. If the same systemic problems show up in insurance, I'll regretfully leave that too.

The people at Bank of Pensacola understand what has happened and has helped me recover the lost $3000. However the various people at USAA bank do NOT seem to understand the situation and are unwilling to help fix it. So far $3000 has been lost from my accounts. I like the other USAA products and services, but I DO NOT like their banking services anymore. You can get most of the same services from your local bank where you can talk to a real person instead of some anonymous voice on the phone.

Your agent said I would be charged a penalty fee. I asked to speak to a manager or supervisor. They said I had to wait for a callback. That took three or four hours for the callback and the person who called back had left for the day. After much to I ended up coming to this end which did not please me but it was the best that could get them to do. They said they wanted to charge me a penalty of $363.66 but would only charge me $63.66. I spent three hours to get them to agree to go from the larger amount to the lower penalty and it wasn't easy. It isn't a nice or a friendly institute to deal with and if you look at the majority of reviews I found them all to be bad so I suggest stay away from USAA. Also it is very hard to speak to anyone at USAA. When you call there most times you get the call center.

I only had 4K in my account but I want every dime of my money back. They are still investigating this, 3 weeks later. PNC gave my money back and shut down my account in 1 day. USAA is not military affiliated at all. They are telling people they are gov./military and they are not helping military families. They are stealing from military families. Don’t ever get an account with them. As soon as I get my money back I am closing the account for good. I wish I never opened this account. Beware of this bank.

After noticing the mix up, I noticed there was 2nd $29.00 insufficient fee charge. So I called my electric company and the rep was adamant that the company only attempts to withdraw the money once and instructed me to call USAA. I called USAA and spoke w/ Misty and said they attempt to pay the merchant twice so the fee are valid and she's unable to refund the fee. IF THE ACCOUNT WAS SHORT $12.50 AND YOU DIDN'T COVER THE CHARGE, WHY WOULD YOU ATTEMPT TO PAY THEM AGAIN... Oh I know why, to rack up fees!!! I demanded to speak with a manager and was hung up on. If us getting disconnected was a mistake, she would have called back! With shady practices and ignorant/rude reps, I'm stopping my direct deposit and closing my account. I will also post my experience with my 21k followers on social media to inform them to STAY AWAY!

I also noticed that the bank has made services "unavailable" to me, like taking a cash advance from my line of credit. The system is always "unavailable". But no one has called me to reach out and make sure this isn't an issue of fraud. There is no fraud, I had one tough month and now I feel like I am blacklisted. As long as the money is in the account and there are no overdrafts... Why does the bank feel a need to "monitor your spending" and decided whether it is appropriate or not? I understand fraud protection, but this is more than that.

USAA allowed this to happen because the "fraudster" was able to authenticate himself or herself because they were able to provide my AMEX credit card information. USAA uses any card associated with your account/profile for verification EVEN though anyone can steal your credit card information without actually having your credit card in hand. Once they used my credit card to authenticate, USAA expedited a debit card to them in my name to Miami, FL. The "fraudsters" took $20K from the other USAA member's account, put it in mine and then a Wells Fargo employee withdrew it all in $5K increments. They would make a $5K deposit and then someone would withdraw $603 repeatedly until it equaled the total amount deposited.

USAA said that it could be that the fraudsters called in and had the ATM withdrawal limit increased which is authorized when traveling. I said then why aren't there any ATM fees??? If that is the case. There was not one ATM fee which leads me to believe that it was a Wells Fargo employee involved. So now my account has a zero balance and I received yet ANOTHER alert that there was fraud activity on this account which I have closed. USAA has gone down the tubes from back in the day. Stealing from service members is lower than low. They need to look internally at themselves and hire people with integrity. Wells Fargo ALREADY has a problem with thieves working for them and now USAA. The WORST experience.

This past year has been my worst experience with this bank as most of the associates are rude and no one seems to want to do their job. Such a disappointment. I wouldn't advise anyone to go to USAA these days. Your money isn't safe and no one cares to help you. They will just get rid of you and lock you out of your account without a moment's notice. I actually had to call in to find out why my cards weren't working and was transferred all around just to say since they are closing my account, they have blocked my access. I am both disgusted and disappointed.

The "supervisor" asked me what I wanted it for. I told him it was none of his business. He told me I could take out a loan. I told him I did not need a loan just my own money. We were mysteriously disconnected. I called back three times and each time I argued I was disconnected. So... today I deposited my tax refund check. They held the majority of it. I again called and was told by a very mouthy customer service rep that their computer system scans our accounts and it determines the hold. I told her to give me the "supervisor" and not to disconnect me. She did and he began saying that all checks have holds on them. I assured him that is untrue and asked him to look at my deposits. He said he has the right to decide if he should hold by the amount I have in my account.

I asked if he had ever served in the Military. He cleared his throat and said no. I asked how much he had in his account. He said he does not have to tell me that. I said "EXACTLY!". I asked if I had ever in all the years had a check not clear. He said "No but it could happen to this one". I informed him he might win the lottery, drive his car up a tree, get stranded in a snow storm. That is ridiculous. I then told him they need to stop saying they are a Military bank, His response was that they definitely are not. I asked "Why do you advertise that you are when you are obviously no different than any other bank that gives discounts for Military". He said they are not doing anything wrong. I said "It is shady at best and you treat customers horribly and much worse than any bank I have ever been to".

I also told him "I realize a lot of it has to do with the bravado of knowing you do not have to speak face to face with the customer you are berating". Because if he were standing in front of me I would have left him bawling in his cubicle. We will be changing banks. I advise everyone to do the same. This will not get better. It can only go downhill from here.

However, there are more than one person with that name in my family and I was not sure who it was, so I asked to have his name removed until I could verify the correct identity. USAA refused and this led to the questions why someone could have access to my secure account without my permission, without having served in the military himself, and why I had no authority or right to protect the security of my account, or makes changes to my own personal profile if I so desired. The answer was; once a member establishes an account, he becomes a member for life, because the military record becomes linked to others in the family who may want to become members, even though they have not served, and no matter what their age, or status. I was aghast at the possible infringements to my personal information, identity, and assets, over which I had suddenly lost control.

I requested cancellation but discovered that I was never cancelled and my account still remains to this day. 1 year later I checked to see if I was still able to log on to my account, and the results surprised me. Not only was I able to log on, but everything was as before, including the name of the person I wanted removed. I immediately tried to cancel, but could not. Then I sought to change the criteria of my personal profile but was not allowed. I tried to destroy or alter any information on my account in order to prevent it being used by someone not authorized and was not able to do so. Today, three years later, I received an email notice of USAA agreement changes were being made to my account. I tried to respond to the email but was denied. I tried searching for other ways to contact USAA, but to no avail. Finally, I sent the following email to a USAA customer support email I found on the internet, as follows:

Your email has been SENT in error. I have NO ACCOUNT with USAA. All previous accounts, once held, have been CANCELLED and should have been removed from your records years ago. Please DISCONTINUE any and all correspondence to and from USAA and this email address. I repeat, I have no account with USAA, and have made no agreements online or otherwise. Any association with USAA is hereby disavowed and any links to or reference to me with respect to USAA is null and void and will be regarded as an intrusion into my PRIVACY. For anyone wondering if USAA is the place to protect your assets and honor your military service; I would consider it very carefully. They mean it when they say "You are in it for life."

Also, if I shop at more than 3 stores the same day, they will auto-block my card. I get that this is a safety precaution but it is embarrassing to get my card declined when I have done nothing wrong but just use it. I have to either wait for them to call me to verify my purchases or go online and verify. Then it takes a while for them to fix it and I can't use it anymore. Not very useful as I use it at trade shows where the purpose is for me to buy through several vendors within the short amount of time they are open.

The card is great for one time purchases and my credit limit is a nice high amount which I like. But since I'm so scared to use it on a "shopping day" it defeats the whole purpose. And I can't online shop because I have to "bill" an address I don't even live at! And if you just want to use it "just one time" for a high amount, beware because they'll block your card after that too. It's a hassle to verify after every purchase. Just get an account with Navy federal or any other card.

(2) I decided since my name was not correct on the card not to use it. I waited three or four months until all charges were off the card from the old Master Charge card cleared. I called USAA to cancel the VISA card and they told me that it needed to be approved by a banking manager. After keeping me on hold for 10 minutes. The person came back on the line and said that a banking manager would call me on Monday. This did not happen and I never heard back from USAA.

(3) Today, I called USAA banking to get rates on their CDs. This information is also available on-line, but I wanted to ask a person a few questions. Again I went through their phone verification procedure which verified I was calling from a phone in my profile. When I got to a human they again started in a long series of questions. They wanted my user-id, my four digit pin number, and my daughter’s name and date of birth. Then when they ask for what kind of car I drive, I lost patience with them. If I am doing a financial transaction then verify to the heart's content, but not for information that is on their web-site available to the general public. (4) I have decided not to do business with USAA Banking and I recommend that others do likewise!

7 days later, got another call about payment; I explained the situation all over again. I asked "was any of that noted under my account", "no" she replied. She then tried to get a payment out of me when I sent it off two days ago. After a lengthy back and forth, we both became very agitated and I abruptly ended the call. After paying at least double the amount due for two years of having the card doesn't matter. Your payment history isn't factored in before the so-called courtesy call. Once the card is paid off it will be discarded and I will use my other two cards. I will never use the banking service or credit service ever again with customer service like this. All of those commercials are just phony and bogus!

I kept my savings and checking separate, I have no way of taking money from my savings account. I have to transfer it to my checking 1st. Someone got into my savings account and transferred all my money to checking and in person used a debt card at a Wal-Mart in Ct. I live in central N.H. My question why was the transfer not flagged immediately? Why did the transfers go thru 5 times for a total of approx. $3500? Why is it that the USAA did not stop the transactions immediately? They said they tried to call and could not reach me. With that being said, it was obvious to them that something wasn't right. At that point they should have shut down my card and I would only be out $600. If I were at the register in a store approx 300 miles away from my home and the card was denied due to USAA thinking it was suspicious I would be happy that they were on top of their game. However that was not the case.

Instead of looking out for the customer they enabled the thief to keep their actions up. They did say my money is guaranteed and that is true what they don't tell you is you have to jump thru hoops and deal with people who lack any sort of compassion, judgment, knowledge and plain old common sense. As a combat veteran who served honorable in the marine corps this kind of leadership in this institution is weak at best. If they understood Proper Planning Prevents Piss Poor Performance, then I guess I would not be writing this! It is my recommendation that you do not use this BANK. Very disappointed, and appalled that they are proud to represent Veterans. I guess they just use us as a selling point for their personal gain. That's called SELFISHNESS and anyone who is selfish would never make in the military...

Again, they at no point was I told this would happen. End result was I ended up sitting on my birthday with my wife and daughter unable to do anything. So tired of impersonal financial institutions who do things like this. I encourage others to go with small, local credit unions and just say no to big institutions like USAA. They don't care about us, not really. We are not people, just numbers and impersonal entities to be gouged, misled, penalized and charged fees while they are never seemingly responsible for much of anything. These entities have ruined our country.

Well, shockingly USAA just pulled a bait and switch scheme on me and made false advertising claims. USAA offered me an alternate card, a terrible card, NOT THE CARD THEY SELECTED ME FOR! Then WHY SOLICIT ME TO APPLY? Points off my score, without any benefit, this is what I received from USAA. Maybe just to PHISH for customers, and offer them terrible alternative cards with an annual fee, high APR%. If I were in my early 20's or had bad credit this could be a consideration, but not for me, and USAA should've known me since they personally invited me. It's disgusting how USAA "educates" members to be aware of credit phishing when USAA is doing something extremely similar. Beware of Bait and Switch.

I have called several times and have been told that they cannot do this until AFTER OCTOBER 12, 2017, when the bankruptcy clears off my report. I think this whole thing is nothing more than poppycock. I have called several reps and even message them online on Facebook. I was promised someone would get back with me. My question is how are we encouraging people to save when they do nothing but punish us? Yes, I know I had a difficult decision to make; but at the time, there was no other option at that time. I am being punished by USAA. It's unfair. It's uncalled for and it's unprofessional.

I could tell by the way she was talking to me that she was aggravated. And then proceeded to tell her that no I was not planning on driving five hours and that my husband and I both already have job offers where we will be moving. She asked if we had accepted the job offers and I said no not yet but we could if that's what they were wanting. My husband and I both already knew that we were going to take these jobs but we did not see the need to do so super fast because the job offers were for starting in July. (But job offers are for more than what were we are making now.) She then stated that she could not see an allotment that my husband makes every month from his account to my account at Wells Fargo for our savings. She stated that the statement we provided from Wells Fargo for the month of May did not show the allotment.

So I quickly pulled up my Wells Fargo account and told her that the allotment is made at the beginning of each month. I could see the allotment for the month of May in my account the last day of April. The allotment is set a transfer from USAA to Wells Fargo at the beginning of each month. I could see the allotment for the month of May in my account the last day of April. Then the next allotment was showing on June 1. I told her that I could get her those statements ASAP. She then asked for our tax statements. I told her that we had signed a waiver for the Loan processor, Anthony **, to attain our tax statements through the IRS. She said that she did not see them uploaded. I told her we could also get those uploaded ASAP.

Now just to leave you a little history about my husband and I. My husband will be retiring out of the Marine Corps in August of this year. I am a registered cardiac sonographer and have been since 2005. We both have good credit. Now by the time I drove the hour home from work all of our mortgage loan process had already been erased from our USAA account. We weren't even given an hour to upload the documents requested by us before they had already done away with us. And we have been in the process with them concerning our mortgage loan for a couple weeks now and now everything was gone.

During this process my husband was the optimistic one. I got online and read hundreds of reviews and 99% of them were negative reviews concerning USAA's mortgage loans. After what we experience with USAA, neither my husband nor I would recommend our worst enemy trying to finance a mortgage loan through them. And the customer service we experienced with Tiffany was absolutely horrible. We're not sure who to blame with this experience we've had with USAA. We're not sure if it's the underwriter or if it was Tiffany or if it was a combination of both people. All I can say is people please understand that hundreds of negative reviews are not going to be wrong.

I suffered for years after my son's heinous death, but 15 years ago, I finally found peace and joy in an adopted daughter. The child of a crack addict, she managed to be admitted to the one A high school in this county and to receive full scholarships for college, including boarding. Now that my daughter has moved into university housing, she still needs my help from time to time. USAA allows its customers to skip loan payments once a year if their payment record is good (mine is excellent), So, in late February, in order to help my daughter, I applied to skip a payment in March. The agent was very courteous. She did some checking and told me that my next payment would be April 15. Case closed? I thought so until March 15 when the payment went through causing me $105 in overdraft fees.

When I began making the 20 or so telephone calls, an agent told me that I did not qualify for the "skip" because the request came two months early. When I asked, over and over again, what could be done, I was told in these exact words: "There is absolutely nothing we can do." And here's something that you may find hard to believe. According to this agent, the agent who agreed to my request had made a mistake, but she was inexperienced and "we've helped her so she won't make the same mistake again." But who is responsible for the error? Apparently, I am, but I refuse to be. As far as I'm concerned, the only important words in this whole thing are those of the first agent: "Your next loan payment will be due April 15." If the agent was that inexperienced, why weren't you monitoring her?

I was finally "escalated" to the "executive solutions team" whose agent, was, if anything, the worst I'd dealt with. "Just the facts, ma'am. I'll find the solution." He didn't. By this point, I was almost suicidal. My credit tanked after my son's death when I couldn't work, but I had slowly built it back. Now it seemed that USAA was about to destroy it. I had already sent the money to my daughter, and there was no way I could come up with the loan payment until May. Now the dunning phone calls began. Finally, after a week of this, I finally reached an intelligent, compassionate agent who said he was taking very careful notes and asked if he could do some research and get back to me.

Two days later, I received a letter from USAA that began like this: "Thank you for banking with USAA Federal Savings Bank. As you requested, due date for your loan has been extended to May 15..." Gee, thanks. No apology, of course. What may have made the difference is that in my last conversation with USAA, I said I would not stand by and let USAA harm my credit. I mentioned filing a complaint with the Board of Governors of the Federal Reserve System and the Better Business Bureau, as well as every relevant blog I can find. I also mentioned that I would turn my problem over to an attorney.

The resolution of this issue could not be more ironic. For weeks, the USAA bank refused to budge. Getting USAA to do the right thing was like pulling an elephant uphill. Someone did finally step up and do something, even though the issue had nothing to do with the "helping party". It was the Bank of America, with whom I have a checking account. When I called the bank about my overdraft charges, the Bank of America rescinded $105 in those charges. Based on my experience and on those posting on this site, I'm wondering now if the whole "we support the military" isn't just a scam? Military families, because they are so often fractured in some way, need flexibility more than anything, and USAA certainly isn't providing that.

So, I bounced a check. $24 water bill as my wife and I miscommunicated about the account bal. No big deal as I have over $4k in savings and oh I don't know, I do thousands of dollars a year in insurance business with them. The ** returned the check and did not cover it. I don't care if they charge me a fee. Cover the check. That's just good business. When I called to get this straighten out I was put on permahold until I finally gave up. I'm in that process of moving all my business from USAA. They are not a good company anymore. I feel sorry for new members are they don't know what the real USAA was all about. Maybe that's better.

The same thing happened, almost word for word. Neither check has ever surfaced. Neither envelope has been returned. I decided to stick with my old bank. As I approach retirement I find the idea of a more mobile lifestyle attractive. Surely U.S.A.A. would have resolved these unfortunate habits and now they even have mobile payment. I attempted to deposit a check through mobile and, after three tries, it still wasn't successful. The help section reached by phone couldn't help but suggested that I mail the money. Wait, didn't I already have that problem? And if I want to go through the trouble of mailing the money why don't I just go to my local bank and deposit the check there? Love U.S.A.A.'s insurance; their loan policies are great; love their insurance; but I'll be parking my accounts elsewhere. Upon submitting this I was informed a "star" rating was required. Too bad I can give their bank only 1 star. They darn sure didn't earn even that.

When I called to protest this also, again my first call was dropped. My second call was routed to collections. Since I was not able to talk to a decision maker, the young lady I spoke with told me that she was told since I had already paid the extra late fee, they could not credit this back to me. I am in the unique position of not having missed a payment ever on this account, I have a statement that shows a payment made and a missed payment in the same month, and a late payment fee that cannot be reversed. Along with this is the reporting of two consecutive missed/late payments reported to the credit reporting agencies, which will undoubtedly cost more in increased interest charges on other accounts that I have. In calls to USAA, I had to spend more than an hour and a half waiting or talking futilely to un-enabled representatives and was very dissatisfied with the lack of resolution.

What business practice is it to give you your APR % after the loan is finalized? Never heard of such nonsense. So they could just give me a 20% rate and I'm just supposed to take it? Now I just found out that the amount that I was approved for and signed for, isn't what I got. They gave me the amount of the car minus taxes. I specifically discussed this with them that I needed a loan for a larger amount that the car to pay the taxes. USAA is amateur hour. Every time I call there's a breakdown in communication.

I double checked, triple checked, never had problem before but now I'm not confident in USAA. Perhaps a slim few employees are actually helpful and the rest just want to get through the day. I want to pay my bills and when your software your company waits over 24 hours to receive my money, YOU RECEIVE IT BUT THEN UPON WAKING THIS MORNING IT'S SUDDENLY NOT PAID AND I'M IN THE RED. I would love this to be fixed, as I said again. I pay on time. I paid on time this time as well, almost 2 days before it was due. It should have been processed. I hope this is read and someone eventually picks up the phone. I would put no stars if I could because your little app has caused some serious trouble in my family. We all have USAA and being you're usually on top of your game I'm at blame.

I'm probably not going to get the help I deserve after all the other countless polite phone calls learning about USAA insurance all the goods to grow up and be independent. So again, thank you. If you do anything, fix that damn app. I'm not the only with the problem and my family and I have been with you for a long time and to have this happen angers me beyond belief, I had 90 paying 80 now I have 70 so explain who took money where is it going. That 10 will get me to work/school and I don't know if you know this but most students don't have much money and can't afford for the bank's app to ** up like this. What a way to start a day with an incompetent transfer of my money then charge me as if it's late. Unbelievable really.

Apparently the automatic payments do not go into effect until a whole billing cycle later. I reached out and there was absolutely nothing they could do. USAA used to be a company that advocated on their customers' behalf, doing everything they can to help them succeed. Not anymore. Their service has declined and they don't have their customers' backs. It's upsetting because they were a company I could count on. I am totally disillusioned and frustrated with USAA and am contemplating taking my finances elsewhere.

All I was requesting was a savings account but because of this label, I was denied. I feel that their policies are unfair to those who are completely innocent. It was so easy for them to put a hold on my account but yet no one can figure out how to remove this "hold." So if you're looking for an honest bank that puts their members first, continue to look elsewhere because USAA is not a company I can recommend to anyone else.

We could not get a straight answer. So, as HORRIBLE as it is, we ended up going to a credit union that offered us 1.9% What did the credit union require from us (we felt there had to be a catch -- a $3,000 deposit, etc)? They required that each one of us open an account by depositing $1 (ONE DOLLAR). I asked how on earth they determined what Apr they would allow us, and the answer was, "your credit rating; we see that you've had excellent credit and that's all we need to base it on."

HOW ON EARTH can I be with a bank for over 20 years, never be overdrawn, have held more car loans than I can remember, paid insurance, and credit cards, without ever being late, and yet the best USAA could do for me is near 4%; while another banking institution, as stated above, who we have no history with, trust us more!!!

Disappointing to say the least! In addition, a lady hit our car (no license), and I had witnesses that I was stopped when she hit me. Yet, the other lady's insurance placed me at fault! When we called USAA, they said that no we weren't at fault, but that the other insurance had deemed we were so they must have listed it as such. What would USAA do for us to help us; fight for us? NOPE! Basically they said "Oh well, it's just the way it is and there's not much that we as customers can do about it." WTH do we have insurance for then?

So, even with witnesses there is an accident on my record in which I'm at fault because my insurance would do NOTHING to help me! Now, I have friends who work there, and they absolutely LOVE this bank, and as they've told me stories about their company parties and picnics, I can see why! Chicago (the band) was paid to come and play at one of their parties, along with many other perks! So, sad to say like many on here, as much as I would have recommended USAA years ago (even up to 3 years ago), now I say, "DON'T! Save yourself the headache and heartburn!" We've decided to go with GEICO for our insurance, and this credit union for our banking. We want to go where we matter and are treated well. --Quality of USAA has tanked!!!

I mentioned my Chase credit cards system is accurate by sending notifications before, during & after payments received as a comparison to others systems. Had to again try to convince sending an IT ticket for potential remedy where their system shouldn't say "sent" before the day even exists. They're just kids trying to get through the work day not understanding businesses aren't perfect & improvements should be paid attention to but they really don't care. You can asked each customer service individuals a direct question & instead of answering questions directly they dilly dally around avoiding answering. Sad. Never got an answer if a ticket number had been generated for proper documentation.

Called back 2 more times where the USAA web services tech dept simply hung up the phone instead of assisting. Last time someone finally answered but the rep couldn't reference any ticket number being generated today after I already spent an hours worth of time to simply relay an issue for USAA's own improvements. Sad company being handled by individuals who really don't care what's going on just collecting their pay checks. Good luck.

I made a large deposit from a retirement account (luckily you get to keep those in bankruptcy) into my checking account so I could pay a large legal bill. The bill I needed to pay was larger than my $3,000 daily spending limit and due to my bankruptcy, they refused to increase my limit (even temporarily, as I explained I just needed to pay one bill and then they could drop it back down). The rep on the phone could clearly see that I had more than enough cash sitting in my checking account and yet would not let me access MY OWN MONEY because of my bankruptcy. They said that increasing my daily spending limit would be impossible for 7 years. This ended up causing huge problems for me, as being unable to have access to my own cash to pay this bill set in motion a very negative chain of events.

How could this organization which prides themselves on taking care of military families refuse to help them put their financial lives back together after a bankruptcy? I can't even get a secured credit card with them (the one where you pay them a deposit equal to your spending limit) for 7 more years! But worse, they won't let me access my own cash! How can you trust a bank that won't let you access your own money? I will be closing all my accounts immediately.

USAA should have never allowed this charge to go through the account. What is more troubling is how difficult it was to get them to credit her account. USAA kept saying they did not have the refund authorization after the store offered to fax them a copy of the refund authorization. They insisted that the store issue another refund. Magically after our conversation with USAA and the store involved the money gets credited to the account. We have been told that USAA could have refunded that money immediately but chose not to do so. This left our daughter with no access to her checking or savings accounts for a week. No bills could be paid, no groceries, no gas, etc. It left her in quite a bind. I am sorry that USAA has chosen to do business like this. We are moving everything out of USAA and both daughters and their families are moving their accounts also. Not the same company it was a few years ago.

I've had about 10 different issues with fraudulent ATM withdrawals in the past six months. They put the money back, but it takes forever. They also shut off my debit card (for good reason), but unless I remind them that it's my ONLY way of paying for things right now, they try to ship it via regular mail.I. E. It takes "7-10 business days" to get here. Tack on a weekend, and it's two weeks before I can spend a single penny of my own money. So I tell them they need to make it priority mail. Okay. 2-3 business days. Except today is Friday, which means I won't get it until Wednesday or Thursday. Without even asking if I need to withdraw cash first, the representative I'm on the phone with about this crap just shuts down the debit card. I have about an eighth of a tank of gas, $5 cash, and almost no food in my apartment. How exactly am I expected to eat, get to work, and buy groceries? They don't care. "The process is irreversible. Thanks."

The saga continues! They willy-nilly decide when they will put a hold on my funds. I deposit checks through the mobile app because I live nowhere near a physical location of theirs. Usually it's no problem. In fact, my boyfriend got a $2400 check and signed it over to me. I deposited that via mobile with zero issues. A few months later, I have a $50 check to deposit. They try to put a hold on my account. Umm... "Thanks, but I need this money NOW in order to pay YOU for my credit card bill!" They keep doing this lately. I call to try to understand when and why they put holds on things. The guy just keeps saying that USAA reserves the right to do that when the computer's algorithm says to. No details. Nothing. Then I say, "But you're not explaining anything. I need to know what situations make this happen so I can avoid them when I'm in a hurry!" He hangs up.

I'm sick and tired of paying bills only to have USAA wait 7+ days to actually make the payment. By that time, I've assumed the money has come out and buy my gas and groceries as usual. Then I overdraft. Then the payment bounces, and whomever I'm paying charges me a fee for insufficient funds. Then USAA charges me overdraft fees on top of that even though they are the ones doing this to me. Multiple times in the last few months, I have found myself donating plasma in desperation for some money to eat and buy gas because my account was in the negative even though I had several hundred dollars less than twelve hours prior.

It gets better, though! I had just moved last July, and my previous landlord basically extorted me for $1200. Then one of my housemates stole $300 cash from me, so I'm out $1500 plus whatever I spent moving out of the old and into the new. I'm in orientation for my new job, and I decide to check my account to see how much I can spend on gas that day. I'm in the negative. Why? So I call them up while I'm supposed to be working, and they keep running me in circles. I finally figure out that although I spent money at Walmart DAYS ago, the money is JUST NOW coming out of my account. Again.

So there's no way to remedy that, so I say, "I'm desperate. I have nothing, and I need to drive 40 minutes one way to orientation every day this week. My first paycheck doesn't come for another 2.5 weeks." The woman suggests a personal loan. "How much are you looking to borrow?" I say, "$1,000 at most!" Silence. "Oh, well our smallest loans start at $2500, but you could borrow that much and immediately pay off what you don't need." "Alright. Let's do it." "Oh, sorry. You're being denied due to insufficient credit history." I've been a customer for SEVEN YEARS, and I had just gotten the credit card a year and a half ago. Not a single payment had been late up until that point, and I would pay off the entire balance every time. But sorry, that's not good enough for USAA!

She then suggests I try to open a second credit card with them and happily transfers me to the correct department. The next woman runs my information through and once again, I am denied. Except this time they don't explain. I'm just not qualified enough for a second credit card, so I get to starve and lose my new job because I can't get to it without gas in my car. It all managed to work out, but I had to borrow money from my family to make things work. It was terrible. I can't wait to find a new (hopefully local) bank to do my business with. USAA has stolen enough of my time, sanity, energy, and (most importantly) money. You should be ashamed of yourselves, USAA.

I spoke to several supervisor that did not help me. As well as one of the supervisor further looked into my account and transferred me to another department and told me that there was a block on my account from 2003 because USAA has not transitioned my account from the old system to the new system that they had. They said that I scheduled a payment with a tablet which I don't have. I always pay via the phone. Well they reverses all the overdraft charges but the account charge off still remained. Even if a payment was prompted if I was allowed to transfer money in my account this would have never happened. And to top it off the supervisor told me that after the payment was reverse that this would not affect me in any way. She then proceeded to tell me just open another checking account. She is a supervisor in banking and should have advised me to wait a few weeks before attempting to open a new checking account.

She send me to open a new account and I was denied opening a checking account because of unfavorable business with a financial institution. When I called them back to get this resolved because the bank made the error, they did nothing. I am so upset and disgusted with this situation. Banks do what they want and they don't have any accountability for what they do.

I call them thinking they are military friendly and said there must be a mistake. You don't have to give me any information but please look into this and make it right. They tell me my son needs to call?! "Ma'am he is in basic training and I don't know if I will speak to him for 3 months! I just want to let you know something is wrong on your end and they are taking money out of my account." She says "I can't help you"... click! If I didn't catch it how long would have it went on? In 3 months from now would he even have noticed? How many others have they done this to who weren't still on their parents' accounts? I would let my Dog do business with them. If I could give them negative stars I would... They don't deserve 1!