USAA Banking Reviews

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!

My account was sure busy overnight. I woke up to a $98 balance. All of the transactions for my car payment and a few other bills are now showing as processed yesterday. The account overdrafted yesterday, and $48 was moved from savings to checking to cover it, yesterday. The transfer I made from savings to checking to cover my Target purchase is showing today. This overdrafted my savings also, and now that is showing a negative balance of $48.

How exactly do transactions happen and then not show up on an account until the next day, complete with overdraft fees and shuffling? It is truly amazing the lengths USAA is going to, to steal ($70 in this case since they managed to overdraft two accounts with their transaction shuffling) money from us. I spoke to Joshua ** in the CEO's office and he informed me that USAA processes transactions from highest to lowest (this practice is called shuffling and harms the consumer intentionally to incur the maximum amount of overdraft fees for the bank). I had to explain why I was so upset about four times before he understood the issue, and then he proceeded to hang up on me. I tried to call back and got voicemail.

This is a bank marketed to active duty and veteran service members. As such, they should hold themselves to a higher standard. They used to. In the last six months they have gone straight downhill. I am working on finding a new bank, and I would recommend that every other USAA member do the same. These practices are egregious. I am looking for a class action attorney in Arizona, and I have screenshots to show this retroactive account rearranging. I am a disabled veteran and the stress these practices are causing me is unpardonable.

I did not know this was going on until I called them with another problem with my checking account and during the call I asked them about how to up the payment amount on my card so I could pay it off faster. I had tried a couple of times earlier but it was so hidden in their website I could not find it. At that point they notified me that that card had been Closed. They could not see why as I payed it every month out of my USAA checking Automatically and they said the one time I was a day or so late they said that would have not closed it. She sent me supervisor and it went up and up and up the chain to Executive Resolution. They all agree that that should not have been closed. They said they would have to investigate it further and would call me back.

Well that phone call was over an hour long and I had to call 7 more times over 8 months and the same things happened. I nobody helped me. They all lied to me wasted my time. Said they would call back, did so, I was by the phone - their game is to let it ring and then hang up so by the time you answer you have a missed call but it shows on their end that they tried to call.

So After more than Seven hours of angering phone calls wasting my time away from my Job. They did not end up doing anything to resolve their mistake. This whole thing started in about April of last year. I put it aside as I was going to get my lawyer on it, but I couldn't find the time to get all docs together and frankly didn't want to waste more energy and anger on this.

So now it is Christmas Eve Eve 2016 and I call because I am still making the payments on a card I cannot use and that has affected my credit showing I have a closed account. Today I called to change the date those payments come out of my account... and they told me I could not! Because the card was closed! Right now I am seething! I Told them the whole story again. It's all in the notes. I told them I don't deserve to be treated this way after 19 years and having car insurance sometimes on 3 cars + Renters Insurance + Banking 1 + Credit Card. Today they said the same thing after being on the phone with them for over an hour and seething agree, I told them am going to sue and also for suffering through all this jerking around they did to me. THEN ALL OF THE SUDDEN SOMEONE SAID - "Oh I see here you were late one time for two months"!!! that is a Flat out Lie!!!

I got that card to improve my credit and I would not have done that and did not do that and every person out of 7 calls and seven hours and probably like 35 people never said that until I "Threatened"! to sue. They said it was my fault and that they can clearly see it. The girl today said "Oh I was just looking at this year 2016 but this happened back in 2015. I didn't go back that far." BULL. This whole thing started with my call for almost a year, and EVERY person probably out of 35 people I talked to as it went up the chain of supervisors, every time. Never once did someone say that I was Late for over two months. And even that it was easily Seen! I Have had a lot of problems with USAA Bank As Well spending more hours on the phone with them. Worst customer service surpassing Cable companies!

After months of underwriter rejections and problem after painful problem and personal hours of negotiating and acting as my own representative with my current mortgage company on behalf of USAA (due to their inability to execute simple, everyday mortgage refinance requirements) I finally thought the end was in sight.

On Tuesday, 29 November I was notified by the mortgage processor from USAA that only two more things were required for the process to move on to the final step and then closing. First, there was a requirement to conduct a 3-way conference call (the 3rd such call requesting the exact same information) with a third party contractor with my current mortgage company, working on behalf of USAA to verify no late payments for the last 12 months. The call went without a hitch and the status of the account was verified with no missed or late payments for the last twelve months.

Second, was a payoff statement, the second one within the last two weeks. I personally called my current mortgage company and expedited the process and had the statement in my possession within 30 minutes. Even though USAA had verbal and written 3rd party authorization to this information, they could never obtain the payoff statement without my intervening. I spoke with my mortgage processor from USAA on Wednesday, 30th of November to verify all required actions and paperwork was in receipt. She assured me all was set and ready to go back over to the underwriters for final review. On Thursday morning, approximately 9:30 am, I received a phone call informing me that underwriting had rejected the loan because my wife was NOT on the title and that the entire process needed to start over. WHAT!?! I could NOT believe what I had just heard!

This process was now in the third month and just now someone notices that my wife in not on the title therefore making all the efforts and time spent worthless, null, and void. Probably the most frustrating aspect of the entire debacle is that my locked in interest rate from September of 2.875% no longer exists. I sent an interest lock extension request on Friday, 02 December in an effort to protect my rate as my current lock does not expire until the 12th of December. So far, I have received no response. USAA is a financial institution specifically designed to cater to and provide specialized and customized service to men and women in the military. After 21 years of faithful and dedicated service to my country, this is the treatment that I receive. I have never been so disappointed with ANY service received from a company in the course business negotiations in my 53 years of existence.

Call after call, checking to see if it was cashed they then informed me I had to wait 90 days for a stop payment to be issued and for another check to be sent to me. I wait those somewhat 90 days on 11/7/2016 I called USAA regarding my money for them to tell me I had to fill out a DOL form. Fax that information over. On 11/8/2016 USAA issued a check to me on 11/14/2016. I received that check and mobile deposited it into my account on 11/15/2016. On 11/19/2016 I go to my account and the money was deducted from my account. When I called my bank she informed me it was a stop payment on that check and to reach out to USAA regarding it. Once I did this USAA tells me the check is good and there is no stop payment on the check to go inside the branch and deposit the check with a teller.

On Monday I did just that and yet again that Friday it bounced so not only am I negative in my account, I am also getting fees for returned check. When I called USAA again, they are telling me the same thing, no stop payment on that check. Blah Blah! However they will reach out to Chase Bank regarding the check. They will call me on Monday. However Monday rolled around and no one called. I called them for them to tell me again there is no stop payment on the check and it's under investigation.

Tuesday, 11/29/2016 I faxed over documentation to USAA stating this is a stop payment on this check and I will not wait another 90 days for their mistake. When I did this I called to make sure they received that doc and LO and behold someone then says after reviewing this information when you did the DOL on 11/7/2016. There was another one on 11/9/2016 that has this check number on there. We are working with Chase Bank to reverse the hold and it will take a total of 2 business days. However in the midst of this what do I do regarding those fees and this check that my bank no longer has because of USAA? THIS COMPANY SUCKS AND I WISH I NEVER HAD ANY DEALINGS WITH THEM!!

All they do is question my mother about past births and employment, and then nobody can give her a definite date as to when she will get her money back. They didn't have any problem accepting her money. Why is there such a problem returning this elderly woman's money? All they do is make her cry. This should not be happening. This is a horrible way to treat an elderly woman who is grieving the loss of a husband, and was being scammed by a family member. Shame on USAA!!!

Fast forward to recent weeks. I viewed rates for excellent credit and applied on a Sunday through the internet. Within 5 minutes it gave me a tentative quote. The rate was higher so I called USAA. The customer service person told me that she cannot give me the excellent credit website rate because the computer generated rate is what I get. I asked her why and it was like pulling teeth to get an answer, which she got off the computer generated response. The responses were so ridiculous. I have never been told and denied higher rates for those reasons in 30+ years. The customer service person finally told me that if I can get a lower rate at another bank, that they could probably lower my rate to what they offered. I said "really", that makes no sense. (How about giving me the lowest rate right now). Right now I feel that the loan department is a shady operation. The bottom line is that I will go elsewhere to get a loan.

Now here we are onto his second paycheck and automatically it's being held for a week. And the kicker is it's not in our account, even as being held and so who knows where it is. Thousands of dollars just poof. They told hubby they don't see it anyways. So now we're in Limbo and I'm having to re deposit his check into our shared local bank. What a mess. We're in the middle of buying a house and this is just crazy. They hold everyone's money and get away with this? I don't understand how they even have customers. Hubby works his butt off just to not get his money and now in this case 0.00? So we are withdrawing our remaining funds out of this new checking account and will NEVER EVER use them again. I highly warn anyone against using them.

This had me confused and I didn't know what's was going on, but I did know that that money didn't belong in my Saving Account because I didn't put it there. So I started changing all my online password, security question and called USAA to report suspicious things going on with my account. I told them about the money that was in my Checking Account that was there that day and withdrawn by the next day and I also told them about the money that was in my Saving Account. They said they would take a look at it and call me back. They locked my accounts for security reason while they investigated, so I had no access to my account.

I waited a few days for their call and never heard anything back, so I call them. After being on hold for long periods of times and being transferred to 10 different Representatives, someone finally explained to me that it was fraud on my account and that they were send it to the fraud department to be look at and that I should hear from them in a week. I then explain to them that I had money in that account and I need access. They said, that's not going to happen, due to security reason, my account was locked and that I would hear from them in a week. I said ok, so I waited a week no call, so I decide to wait a few more days, still no call, so I decide to go ahead and call them.

After long periods of waits, they finally directed me to the fraud department and start explaining what they believe had happen. They went on by saying that checks which were money order from Hawaii was deposit into my Checking and Saving Account and then withdrawn in Chicago. I asked how was that possible I stay in Texarkana, Texas. They said somehow some way someone got my information, deposited checks in my account through the mobile and withdrew the money. So at this time I'm upset not think straight because my money from the VA is about to go direct deposit into that account and my check from my job. So I asked what's going to happen to my account and they said more than likely it's going to be closed and that I should filed a police report and that someone from the fraud department will be calling me back in a couple of days to explain in detail what's going on.

Once again I'm waiting on them to call me and while I'm waiting I go file a police report. That next day I get a letter in the mail from USAA saying, "We can no longer do business with you, after we determine that you deposited fraudulent checks in your account". That the trust between myself and the bank had been broken and that effectively October 23, 2016, USAA auto insurance and Homeowner insurance can no longer do business with me. So from me being a victim of identity theft, USAA turned it all around and blame me, said it was my fault for what happen. I called them to speak to someone about this matter. After being hung up on 3 times and on hold longer than 30 minutes, I was finally able to talk to someone.

With me being angry at this time I asked them why in the hell would I fraud myself. I had been with USAA for 8 years. I have a Checking account, a Saving account, my truck is financed through them, I have auto and homeowner insurance through them and my VA checks and checks from my job are directly deposited into my account, so why would I do that to myself knowing it's a federal crime, plus I works for the federal government. They start explaining maybe I gave my information out to a stranger in return of getting money. I told them do they think I'm that stupid that I would give out my information for something that would ruin me, my credit and my job, and that they wasn't making any sense.

Then they said well it got out somehow and their decision is final. They said that they wasn't going to argue because USAA and their system has never been breached and that it doesn't matter what I say the decision is final. So I ask if they were going to even take the police report, they said yes and gave me a fax number to send it to. I faxed the police report to them and put attention to fraud department and then call back asking about my money that went into that account. The representative told me that my money that was direct deposited into that account is now part of them collecting the fraud. At this moment, I'm upset so I tell them if they going to accuse me of something that I didn't do that they can at least give me copies of all the fraudulent checks so I can give them to police.

The representative said they would and asked how would I like to receive them. I said fax them to me and they agreed, so I give them the fax number and then they put me on hold for about 20 minutes and then gets back on the phone and says it's going to take a couple days before I can receive them. I asking them what's the purpose of me giving you the fax number if you can't fax it to me today. They went on talking about thing like these take time to fax out, basically give me a bunch of bologna, so I hung up and report that conversation to the police because I felt like they were doing something suspicious. A couple of days go by and copies of the fraud checks come in the mail but it was only 3 of them, so called back to see why I didn't receive all them.

The representative said that that was all they could send. I told them that wasn't what I was told when I asked for them. Then they said well that is it and I said fine and I asked did they receive the police report I faxed them. They put me on hold for 30 minutes and then said no, they haven't receive anything and asked where did I send it to. I told them the Fraud Department where they told me to send it. They put me on hold for another 20 minutes and said, "No we didn't receive anything", and I told them that it was strange because I have a confirmation page saying that you received it but I can send it again. They said, "No that's ok, we really don't need a police report and if we do we can get one online".

So after talking to them, I took the copies of the fraudulent checks and a copy of the confirmation page to the police station and told them that I request copies of all the fraudulent checks but they only sent me 3 and the detective said that's fine, since they won't send it, they will subpoena it and other information. I realize a lot of people out there think USAA is just the greatest bank in world because of their low insurance, well I did too. People please don't get fool by USAA, they are crooks and you may say to yourself that this will never happen to you, because USAA treats you good. Well that is their job until something like this happen. I have never been hung up on, put on hold and disrespect by anybody or company like I have with USAA after this identity theft happen and it never happen before then with them, so that should tell everyone something. USAA is for USAA.

Nationstar then explained they would have to restart the claim. Although Nationstar had found where my check had been deposited. They proceeded to state that they needed extra documentation completed other than what I had done previously. I asked why I had to start over when the claim had been filed 12 August and now it was the 30th of September. Because Nationstar lacked documentation. As I pointed out USAA had received the documentation because they had deposited the check; the check was in the packet of documentation I had sent to USAA. So seeing it was not fault of mine that they lost the documentation at the turnover of servers. I do not see why Nationstar could not release 40% of funds so I could pay my roof contractor. But I was informed the funds would be held by Nationstar until I resubmitted the required documentation. I spent 30 minutes speaking with this group of debt collectors.

I feel completely abandon by USAA. Called USAA banking/Mortgage to file a complaint and was told by the gentleman I was speaking with that he had spoken with Nationstar over 200 times and the experience was great and all mortgage companies identify as debt collectors. I explained I have had four mortgages in my life and not once until today did they ever identify as a debt collector. So with all this said, I now must start all over with my claim and resubmit all documentation plus the two new documents Nationstar requires. I have a new roof but cannot pay the roofer as of today. I looked of reviews for Nationstar and found that they had a one star rating for the last four years. I do not know why USAA hired them to buy their Mortgage server with this low of a rating. I am now looking for a new mortgage company.

Despite having done so, USAA still shows me past due for the delinquency even after payments have posted and the money having already cleared the account! I continue to get pestered by collections on my account. I have also spoken to a number of agents who have all provided conflicting information on my account with some saying that I am current with nothing past due while collections is telling me something different. Even when I log into my USAA account it accurately shows all my payments but it shows my account as past due. I have attempted to get this resolved by a number of agents who either passed me along to someone else or the person was simply incompetent to resolve the issue. I can't believe that a bank can be so inept in reconciling and updating their records!

I used to brag about USAA but after this experience I cannot wait to pay off my loan and move on. I really can't believe the stories I'm reading on this site about USAA. Yes, the customer service is really horrible with some of the agents getting really passive aggressive in their tone. There is no sense of their ability to problem solve an issue without having the repeat what the customer already knows (ie "you're past due"). And based on what I've read in these reviews from others it is apparent that there's a serious issue going on and no one in senior leader has taken an interest to really get to the bottom of the matter. Shame on USAA on how they treat their military members, vets, retirees, and their families!

The only "negative" we had going against us was that we filed for bankruptcy in 2011 (when we were retiring) because the total credit card debt was too high with us transitioning to fixed income. Our "payment history" prior to the bankruptcy and our vehicle and one store account opened since - have ALL been paid ON-TIME, every month (as well as our USAA insurance and other bills/accounts that don't "report" to credit agencies.

With all that said, my wife and I were applying for a $10K loan because we want to move closer to our children and their families. We were hoping to move before the winter months, which is why we decided to apply for a loan rather than save the money monthly, etc. We offered to put the loan AND the monthly insurance premium on automatic payments and we tried to apply individual and joint. But we were denied.

USAA denied the loan due to "Insufficient Credit History". Really? My daughter (POA) spoke with several representatives and was told FOUR different versions of "why" this was their "FINAL" decision (regardless of my TWENTY-THREE YEAR, ON-TIME payment history WITH THEM!). They said "that doesn't matter." They also were very short and wouldn't even consider looking at any of the supporting documents we sent in. In the end, we realize - their decision was based on the fact that I am 80 years old and for no other legitimate reason. While they cannot discriminate due to my age, they made it clear that they were denying my application for reasons that were contradictory and to be honest - ridiculous.

I was proud to call myself a USAA member. I felt strongly that after TWO DECADES of having an account with them that this was the best place for me to go for a personal loan. As it turns out, with USAA... Only the "young" are approved. Disappointed is an understatement. I guess all of these "quick" and "easy" loan approvals being reviewed are for those with earned income and younger than 50...

I was confused as to how, first the outstanding debt could be forwarded to my new address but not the cards I suppose to have used. I telephoned USAA on at least six separate occasions and was told something different each time. I was finally shared that USAA realized it was a fraudulent account and would not go further on making me liable for the amount owed. It took an additional ninety days for this information to be shared. I then requested to receive a letter from USAA to that effect and stating I have never opened an account...INSTEAD I received a letter with the checking and debit card account in my name.

I never requested these accounts, I do not have access to these accounts AND I will never open or suggest to others to open a banking account with USAA!!! So in essence my concern has not be addressed. In the position I serve in I have had at least one Family member come to me each week for the past 4 years because of compromise of their accounts. USAA then changed their banking information which only made the initial account on file show all set-up automatic withdrawals as a deficit because the customers were not notified in a timely manner to share the new banking information with their creditors.

So my husband calls and they're really secretive and say they need to speak to me. Didn't really tell us the extent of what happened until several days later stating someone called pretending to be me and had all my info. That would have been helpful days earlier so I could have contacted my ID theft insurance company sooner who by the way say they have been getting lots of calls from USAA members lately. Hmmm... I asked if our remaining money can be transferred to another bank acct so we can have access to it. Of course not. So my husband stops his direct deposit and has it switched to a different bank, so glad we did that. USAA claimed "oh you didn't have to do that. Your money is safe now." Not convinced. They say we don't even have to change acct numbers or open new ones or anything, security breach is taken care of. Right.

As soon as our acct was unfrozen I took every penny out of there. Never will I use them again. I have to keep our acct open due to our insurance or it would be closed. Considering switching our insurance too. The kicker is now when I call USAA they treat me as if I'm the criminal and hang up on me, keep me on hold, or transfer me a million times. The interesting thing is they say this breach of my information was not from them. But how would criminals know that was the acct we were currently using when we have several other open bank accts at other institutions and not once have we had fraud on any of those? Come to find out everyone else we have spoken to recently has had some sort of fraud going on with their USAA accts. Coincidence? I don't think so. Do not trust this bank with your money! I'm so glad I decided against any loans with them! Awful doesn't even begin to describe it.

The rep I got didn't understand what I was trying to tell him. I told him how the rep a day ago said I had to file a police report and there was nothing they could do, he then tells me I didn't even need to file a police report and froze my account and told me to call back when the bank was open. So I called back that Monday and was transferred through 3 different departments. The reps were helpful, they reversed the charges, put a credit only hold on my account, and told me they would do a fraud investigation.

Two days later, I see these same checks go through AGAIN! Fees charged AGAIN! Headache starts AGAIN! So I called USAA again, explained the issue and was transferred. Again, I get a rep that wants to argue with me and interrupt me as I'm trying to tell him what I was told two days prior. I finally asked to speak to a supervisor, he puts me on hold and a few minutes later comes back and tells me his supervisor is busy and he'll have to transfer me back to the bank!! Instead, he hangs up on me!! So I call back, this time infuriated and tell the rep what I just went through with the last guy. So she transfers me back to that department with a different rep.

This lady was helpful, she saw that I requested the credits only hold and was confused why they removed the hold after they finished investigating. Then asks me why they didn't issue a stop payment on the checks. I explained I had no idea and she reversed the charges again that I was charged again! Then a few days after that, they called me to say I needed to open a new account! So I go through the process and they denied me the account because of what happened with the old account!!! After thinking about it, I was happy they denied it and told my husband that I didn't want to be with a bank that would let a check that is obviously not one I wrote and didn't match my signature be cashed against my account and not even call to verify it!! So we opened an account elsewhere and are looking for a different car insurance company as well.

Not to mention you can't deposit checks through their mobile app unless so much time has passed. You can't deposit from any ATM (they have no branches in my state or any state near me). I would have to go to a UPS Store and deposit checks only that take up to 11 days to process or mail them in! Poor customer service, unethical practices, etc! Not worth the headache and after reading other reviews with the same issues, I'm wondering if these fraudulent checks were an inside job! STAY AWAY FROM THIS BANK!

I started a new job and had no other choice but to noble deposit my paycheck. They are holding it for 2 weeks. It's a printed payroll check and they refuse to even take 5 mins to make a phone call to the issuing bank to verify that the check is good. I now am late on my bills have no money to put gas in my car to get to and from work nor the money to eat lunch while at work cause the little money I have had to go to my children to eat. Meanwhile I now have late fees building up. As soon as the check clears I am draining my accounts and closing them.

This establishment is by far the worst in customer service I have even seen. They just keep saying "We can't and won't do anything to help you." Thanks USAA for treating a hard working American family like we don't work and live on welfare. No one there will go the extra 2 inches let alone a mile for their customers. They just flat out don't care nor even try to help in the least. I hope people see this and run away from any thought of making this you bank.

Here it is... After 20 calls I'm on the phone as I type this. I have had to call 4 times this morning and every time I call they say they can't help me because my account is locked and I need to prove who I am. This is so scary because they already have my checking info for the loan and the old loan isn't paid. The representative just came back on the phone and again said they can't help me. I would never go with this company again and if I can cancel the loan I am going to do so. Too bad no one can help me. DO NOT USE THIS COMPANY. IT’S A NIGHTMARE.

USAA: CUSTOMER SERVICE includes your representatives being knowledgeable of the products they represent. Customers depend on your representatives being the expert on your products. I was given false information and suffered terribly. Nina from the Executive Team offered nothing to alleviate my stress but continued to sigh all throughout the conversation. She lead off with, "what is it you expect me to do?"

USAA I am done doing business with you. Never would Navy Federal have treated me like this. They would have found SOMETHING to do, if not but say "I am sorry for your inconvenience" and/or an email generated to accept responsibility for the chain of events occurring from receiving such faulty information. But, as I read about the experiences of other customers/VETERANS, I see I am no better than they are. I guess I should expect to be treated badly as well. While speaking with Nina from the Executive Team, all I heard was a condescending tone and heard nothing but sighs all during the telephone conversation. I am so disappointed with USAA. I'll stay with USAA despite the poor customer service. I fought for this country and earned the right to be a recipient of your services. I will ensure I do NOT rely on your customer reps to know their products.

For a client that has been with USAA for over a decade I would expect more from them. I have extremely disappointed in the way I was treated as well as the fact that they decided to hold my funds a full 24 hours AFTER their app indicated they were immediately available. USAA has taken a turn for the worse and I have decided to cancel all of my banking and insurance services with them. Sad for someone who has been a loyal (but apparently not valued) client for 10 years.

From the beginning they gave us a list of contingencies to meet before they would give us the loan, one of those was for me to pay off anything I had in collections. I did just that and they proceeded with the loan. We got the clear to close message and were a day away from our closing when they abruptly denied our loan. The reason they gave.. because my credit score did not meet requirements after one last check. I called and verified that nothing new had shown up on my credit report, but discovered that when I paid my debts in collection (like they told me to do) it temporarily lowered my score because the debts had been reopened. Trying to explain this to USA was as useless as nailing jelly to a tree.

Here we were with 2 kids and an apartment stacked to the ceiling with moving boxes and we were about to lose our house! Our sellers gave us 24 hours to find get approved for another loan and by the grace of God we were able to secure a loan with state employees credit union in TWO HOURS. It took 4 months for USAA to deny us at the very last minute and two hours to be accepted by another lender. I will NEVER do business with these people again and have spent a good deal of time warning others about them. I would hate to see this happen to other people, listen to the reviews and RUN!

Three times I was hung up on by customer service and the manager tried to blame me for the first person lying to me. So, I closed my savings with them and they said the check would be here Saturday or Monday. It is Monday and no check. Called customer service to ask for the tracking number for the check. The manager said would go out fedex and received the response of, "I can't find it. Call back if it doesn't show up in the next few days." I am so glad I did not cancel my old bank. When that check is cleared, then I am pulling every dime out and NEVER looking back. Do NOT switch to USAA or you will regret it.

Well, two days ago I made a purchase with my PayPal debit card and my balance was short $0.13 (yes! 13 cents). USAA charged me $29 twice. It took that long for me to even notice that there were attempts being made to debit my account. Since the consumer laws changed many banks have implemented new fee structures, like that of BOA, Chase, Capital One - where they will not charge an overdraft fee for any transaction that does not overdraw your account by more than $5! I will never use a USAA checking account again. Ever! FYI Capital One 360 checking (not the regular Capital One checking but the 360) charges 0 fees for overdrafts, unless a check is presented - at which time they only charge $9! USAA is the most horrible bank I have ever banked with - bar none!!

PayPal is awful as well because I told them to shut down that account and they did not. I just think it is really unfortunate that people would be so cavalier about other people's money. What is ironic is that the Executive Resolution team told me that this issue had happened to several USAA members and they got their money back. Somehow I am not as valued as a member to have my funds restored. This incident has caused A LOT of financial headaches for me. I have decided to transition from USAA to another banking institution. I guess this is what you get when you're a member for 5 plus years.

A few days later, while trying to use our card for groceries, we found out that they had put $400 on hold. While the money was on hold our automatic payments were denied and we were charged overdraft fees. I couldn't even transfer it back to Huntington so I could feed my family! When talking to the representatives, they informed me that holds happen all the time even though in 6 years this is my first experience, and last! USAA also told me that they didn't know why it was even put on hold. It is still on hold today, 7 days later! I had to go to a food bank this week. Thank goodness that was available to me! They did apologize for the inconvenience! Lol, too little, too late.

I understand that there are others who are not experiencing the same high level of service from USAA that I am; and part of the reason I suspect is that USAA is very strict when it comes to financials and some individuals, who fall back on funds, experience difficulties with USAA. In my opinion, as long as you are financially responsible, prevent overdrafts, and keep your account secure, you'll experience the same high level of service I do. USAA is not for everyone; some individuals might be better off using another banking service that is not as strict but also charges additional fees to make up for the financial problems their clients experience. I wish I could recommend USAA to my friends, but none of them are in the military.

I have spent hours on the phone making multiple calls to different persons at USAA and yet the money has STILL not been moved into the correct account. I have asked for a letter from USAA explaining the incorrect transfer of retirement funds since having the money in my checking account would constitute a taxable transaction. Several of the USAA representatives have told me that a letter is not necessary, but I disagree. I want proof so that when USAA screws up and sends me a 1099 showing a taxable transaction, I will have some proof for the IRS that it was not my doing.

I was in the process of consolidating all of my money, brokerage accounts and retirement funds with USAA (more than $7 figures) but with this and other recent screw ups at USAA, I don't trust them one bit. Sad to say, but there is something very wrong going on at USAA banking and financial. Their insurance department is top notch and would recommend them to anyone but their financial side is a total joke!

So, lately (for a few months) my checking account has been showing (on and off) "scheduled transactions." In theory, this will help you know where your balance will be once your scheduled "Bill Pay" transactions have been completed. However, there is a "glitch" in the system that makes the scheduled transactions come and go at will, so one day they're there, the next they're not. IT is allegedly working on this, but the representatives who answer the phones are CLUELESS. So, if they pull up the screen and the scheduled transactions do not appear, they act like the customer is crazy.

The worse problem is that the "glitch" extends to the "scheduled transactions" screen going back three months and showing cashed and cleared checks as not having gone through yet. I have had to go through my account manually and check against this. So, the predicted balance is always off and they can't seem to fix this. Really? You're a BANK. You are supposed to know my balance accurately! DO NOT use this bank. That's all I can recommend. I don't know where they get their bank reps from but they know nothing about banking.

This holding kept going on for several more months and screwing up my finances 'til I figured out that they weren't holding any if I only deposited $100. So I started recently depositing only about $100 and using cash for other things! Crappy way to run a bank to say the least! Now what's got me really upset and has made me write this complaint and decide to switch to another bank very soon is the fact that I made two purchases recently thru PayPal that paypal put thru and PayPal sent me emails saying the payments went thru and items were shipped. So when I went to buy things several days later it turned out the payments hadn't gone thru yet but I didn't know it. So when they finally went thru even later they over drafted.

I called PayPal to make sure they wouldn't put the charges thru a second time like they do. The rep said she couldn't stop the second try coming up, only the third. But that she would send me a letter to forward to the bank that would tell the bank that the charges were being cancelled but they couldn't cancel in time to stop the computer from putting the charges thru again so to NOT charge me double overdraft fees. I forwarded the letter to USAA Bank but they double charged me anyway, that's $116 overdraft fees on only two charges totalling $17 and change!!!

So today when I called, that disgusting excuse for a customer service rep said they weren't going to refund any of the $116 because the letter from paypal didn't say the right thing. And basically said that banks should be able to take that kind of money from people over innocent mistakes and things that go wrong in financial transactions without the customer (victim) even knowing about it, to paraphrase that disgusting phony pig who pretended to be nice!

This bank pretends to be what it isn't and steals money and often puts deposits on hold for ten business days without telling you they're gonna do it and screws up your monthly finances and then makes pathetic excuses and rips people off! They are nothing more than criminal BANKSTER scum and shouldn't ever be trusted and should be prosecuted and sued and thrown in prison! Don't trust this criminal scumbag bank! In fact don't trust ANY banks! Some are less evil than others so try to find the least evil banks but don't trust this criminal scumbag BANKSTER bank! BE WARNED!

Now we have not moved, changed numbers, or anything all the while having other open accounts with them. I not gotten ANY notice of ANY kind about this. We get dividend checks every year and NEVER was told about this. I asked if they could send me PROOF of this debt as mistakes happen. I was flat out told they cannot provide anything other than to tell me that if it's in the system then it's true PERIOD as USAA does not make errors-- really 'cause there is no company or system out there that does not have some level of error.

I was told by a rep/supervisor called Crystal and Tisha ** that it is what it is and if I continue they will no longer talk to me or do business with me-- again really just prove what you say is true and all will be good. I was also told by Crystal the supervisor that the right for them to take the money was in the deposit agreement I allegedly signed and asked for proof of that and they could not as the records DO NOT EXIST ANYWHERE. So being a little snarky said "Well then according to your statements you owe me $8000 as I should not need to provide any proof either," at which point Crystal laughed. So it is laughable to you the other way around but my fault and my responsibility because you say so NOT PROVE SO.

You would think in this country that there should be some level or burden of proof to just take money away. Mind you this is not about the money but the PRINCIPLE- Just prove to me I owe this debt and all is good. Does anyone know the collection laws in TX where USAA is governed as in Georgia the debt collection laws expire after six years or if anyone has any info. They need to stop doing these practices by rule of law.

It's sad to think that this bank USAA can steal people social security money and get away with it. I don't know how they stay open with employees too stupid to do the job they are trained to do. Don't bother asking to speak to the corporate office cause customer service doesn't have that number. No supervisors on duty or anyone higher than customer service. We are out $466.21 that may not seem like a lot to people but when that's part of your monthly income to live on it is a big deal.

I called customer service to inquire about this, to see what their excuse was. I have an accounting degree with a specialty in banking and financial systems so I know more than these people are taught to do their jobs. The customer service rep blamed in the issue on the gas we got saying that like Sam's Club, which isn't even where I got the gas, did a $100 authorization charge even though my gas was only around $30, so in the "background" there was not enough money to cover the check when it hit, but there was enough to cover everything else that hit on the exact same day. I've never had this issue before and have gotten gas under the same circumstances with an outstanding check. What really made furious was the customer rep dumbed down his explanation of what happened and was talking to me like I didn't understand was happening.

Needless to say I can now no longer write checks at my one local grocery store that only accepts checks, cash, or discover card. We don't carry cash with us. This bank has now lost a customer. I already opened a new checking accounting with a different company and will be transferring everything to this new bank. Horrible customer service reps treating consumers like they are stupid.

Weeks after we signed an agreement of no calls, vacations of loan officers and handing us off to others over and over again, they tell us that my husband's very well paid and salaried jobs are now considered as part time. They declined us less than two weeks before closing and could have shared this WEEKS ago should they have done their jobs. Now we are totally left in the dust. How in the world will we be able to get a different loan, when closing is now supposed to be less than two weeks!?! DO NOT GO WITH USAA FOR A MORTGAGE IF YOU THINK THAT THEY WILL BE TRUSTWORTHY OR USEFUL.

Then once the "investigation" is over I am told I owe USAA over 4000 dollars. I was terrified, I asked what had happened. They told me an authorized transfer of money went into my account. Now I owe them money. I asked how am I supposed to pay them if I cannot access my account. They told me they didn't know. I was transferred around for two hours. No one could tell me how to fix it. The Analyst calls me, because I asked for him to, and all he would tell me is I owe them money. I am 19 years old, and have never had fraud issues or anything. I didn't know what I should do. I asked my mother, she was angry. She said that USAA should have contacted police or the FBI. She said she had a fraud problem before as well and they helped her catch the people.

They protected her, but they won't protect me. They won't even talk to me about it, about what was happening or how to go about fixing it. I get on the phone with people in this bank who know nothing on how to fix any of it. I was even willing to pay back the money if someone would just tell me how to do so. Now I am filing a complaint against the bank. I am learning and researching my own ways to try and fix it. I loved the fact of how fast, convenient, and helpful everyone was at this bank. Now I feel helpless and lost because of them.

My complaint is that they are not upfront about what types of property they are willing to finance. I was told by my loan processor that it is on their website, it is not. I was told by my loan officer after the fact that he knew it was risky but he thought there was a chance it would go through (and he would get his commission). I should have been told when I applied for the loan that they did not finance "manufactured" homes even if they had been converted to real property. I also found their service in general to be substandard. They were difficult to get on the phone, did not answer emails or stick to their own time line. I finally connected with my loan processor 2 1/2 weeks late. My realtor also found it difficult to communicate with them. My advice is to avoid using them. They are willing to screw you at closing hoping to make a commission on a risky sale.

We were told all the $ would be back by Monday. We were told that our account had some sort of enhanced security features and we would get messages every time someone logged into our account... It is still not happening. They are telling me I have to wait 3-5 business days for the fraud investigation; in the meantime my bills I paid through USAA BILL PAY are bouncing and I am dealing with creditors. I have been on hold 1 hour and 37 minutes asking for a supervisor and apparently there is no one who can help me. UNACCEPTABLE, and WILLIAM in the fraud department is NO HELP and hung up on me.

Unfortunately, over the last couple of years I have had many instances of fraud on my credit cards, first on one card and then on both, for the same charges. And the fraud charges continued for several months. I don't understand how those charges are approved. Does not USAA have in place a system to account for the possibility of fraud and use it regularly? When I try to use the card, I am asked to prove who I am. When thieves use it (without the card itself), apparently, they have no problem. In addition, USAA does not seem to keep track of credit cards it issues. I was sent several credit cards (and new accounts created) when I only asked for a replacement card. Balances appeared on cards I never asked for.

Initially, USAA refused to close the cards, thus facilitating the fraud. And the longer the fraudulent charges continued, of course, the more difficult it became to deal with them. I was reported to the credit bureau for going over my limit on one card, although the charge was fraudulent. And that card was one on which I asked for a low limit specifically to decrease the dollar amount of fraud in case the card was used fraudulently.

Because the fraudulent charges continued for quite a few months, it became increasingly difficult to deal with them. I finally resorted to printing all credit card statements with fraudulent charges on them, indicating those fraudulent charges, mailing copies to USAA, and asking for credit for them as well as to close the accounts. I pointed out to USAA that I paid one fraudulent charge because USAA reported me to the credit bureau even though the charge was fraudulent. I told that to USAA and asked for my money back, but I am still waiting for all the credits to be issued. I won't hold my breath. As I said, USAA is unresponsive to customers in my experience.

Dealing with all the fraudulent charges turned into a bookkeeping nightmare, which was not helped by the underlying feeling that these accounts could or would be hacked again and no one at USAA seemed to care. I did get new accounts (but no cards) but the old accounts were not closed, so I ended up with two or three statements for each card with fraud on each one. The feeling of vulnerability that resulted from all these fraudulent charges on all cards (some I never received, as I previously indicated) for so many months inspired me to never use USAA credit cards again. I told USAA I paid for fraudulent charges, indicated the ones for which I paid, and asked for a refund. USAA still owes me money for fraudulent charges I paid just to keep USAA from reporting me erroneously to the credit bureau as they had done before. I doubt I will ever see the refunds.

The bank doesn't seem to adhere to standard banking and accounting practices. It is though a group of trainees took over the bank and are trying to learn as they go. Something is askew at the bank, which does not bode well for customers with problems. As I read over this submission, the obvious question is: Why didn't I close the accounts at the first incident of fraud? I tried. I contacted USAA in writing and on the telephone many times about the fraudulent charges with a request for new cards. As a matter of fact, when customers call into USAA they are treated to a recording of "USAA members can rest assured that they will not be held responsible for fraud on any account." Not true. Also, I have been with USAA for a long time and aways paid on time, etc., and thought USAA would take that into account and quickly fix the problem. No such luck. I have opened new accounts at another bank and am directing all deposits to the new account.

Customer service reps have refused to correct errors. If you ask to speak to a supervisor, then it would be fixed. A simple request to implement overdraft protection is too complicated for USAA. USAA HQ is in Texas, so if you live on the East Coast, you have to wait a few hours until they open up phone lines. Hassle. USAA has a few plusses, like the renter or homeowner insurance, reimbursements on ATM fees and releasing monies immediately, without hold times. We will be switching over completely to Navy Federal. Goodbye USAA.

The fact that USAA Bank consistently tells the consumer that the problem is with the consumer's acts when in actuality, it is USAA Bank that has consistently and habitually had the 'system glitch'. I believe that USAA Bank does this to maintain the liquid assets of its consumers for its own benefit. An executive higher up thought this was a good way to increase USAA Bank assets by holding moneys inappropriately and unethical in limbo as to prevent consumers access. Not only are payments delayed in posting, but transfers are 'hung up' in limbo as well.

This many and consistent delays, which are inconsistent with similar institutions in the same business, is indicative of deliberate manipulation of the system. This manipulation is to the benefit of the executives of USAA Bank and to the detriment of the consumers of USAA Bank, our active and retired military personnel and their families. If you have experienced the same 'system glitches' with USAA Bank, please go to the Federal Reserve website and file a complaint as we did. The gentlemen who started USAA 93 years ago would want you too. To take advantage of our military personnel and their family is not what they intended and the only way to to bring back their ideals is enforce the law. The Federal Reserve cannot enforce what they do not know, so let them know.

In 2006 I started banking with BECU (Boeing credit union) when I was doing a contract at Boeing. BECU was an excellent credit union - almost no fees (unless you took money out of a non-credit union ATM) and customer service was excellent. Then in 2008 I discovered USAA. Not only did USAA not charge any ATM fees at all credit union ATMs, but USAA "reimburses" you up to $15/month for fees you are charged by using non-credit union ATM's. This means that I don't have to wander around looking for a specific ATM and can withdraw money anywhere. To add to that, USAA has incredibly awesome rates on any type of insurance. I now also have my renters insurance through them and it's half the price that I could find through other companies.

USAA is excellent when it comes to fraud - not only do they add what you mention to the fraud report, but they go back through your account to find other questionable fees and add them to the fraud report for you. AND they credit your account with the full amount of the fraud charges even before things are completely figured out. This way if you've had $1000 stolen out of your account you at least don't have to worry about being short on money to pay your bills while they're researching the report!

When it comes to customer service I've never once been disappointed. Not only do they answer the questions I have, but they are 100% willing to look up other issues that come up. I was especially impressed when I took an extra 10 minutes to do a review to figure out how much I should be saving for retirement. Given that I plan to move into a tiny home and have no rent or mortgage, even the USAA customer service rep was amazed when it turned out that I only needed $700/month to live on for my retirement.

The 'only' issue we've ever had with USAA was when my daughter attempted to cash out a CD she had and it turned out the proper paperwork at USAA's end wasn't done by the customer service member. Ergo, the CD was never switched out. But given that that is the ONLY issue we've had in the past 8 years of banking, I'll give them the benefit of the doubt. Oh, the other wonderful thing is that USAA makes it super easy to set up accounts for your teenagers! I started one for my daughter when she was 15 and deposited her allowance into it. Now that she's almost 21 she has excellent money skills thanks to all the practice and wonderful documentation that USAA has sent. And I still have 100% view/access into her accounts. :-)

Also, since my entire family belongs to USAA we can easily pass money from one account to another if we ever need to borrow from a family member. It makes things much more simple. I just wish USAA had a service similar to Paypal since my recent experience when my Paypal account was hacked (and I lost $150) was absolutely horrendous. Paypal's customer service leaves A LOT to be desired. In fact I think I might call USAA tomorrow to see if I can't add that transaction to my list of fraudulent transactions. Anyhow, I HIGHLY recommend USAA. They are extremely understanding to everyone even if you only make minimum wage and don't have a lot of money. :-)

The following Monday I get a call from the repo department! They demanded - I pay 797$ immediately. I was shocked and explained about the payments previously set up and how I called to make a lump payment. I was told, and I quote, "It's not their problem. The payments didn't come out, they aren't in charge of account numbers." That was just so unprofessional. I went to my local credit union and got a new loan for my car and called USAA for the payoff amount. The loan officer took the information from USAA and finalized my new loan, sent off the paperwork and I was relieved that USAA is no longer my headache. Well, now USAA is saying they gave me and the credit union the wrong payoff amount. This is after my loan officer got the payoff amount good for ten days. I'm still trying to get USAA to fix this mistake. They are unprofessional, unhelpful, rude, and have no business dealing with the military community.

So in the result they closed out all of my accounts. My credit cards, checking accounts, saving accounts, auto insurance, renters insurance and brokerage accounts. I don't feel that it was fair. I didn't lie about taking the picture of my tv. Everything else was proof and they gave me a very hard time and never gave me 1 cent and closed my claim if anything. They could have closed my renters insurance account and worked with me one way but all of my accounts I am still in shock that this has happened. I have had this these accounts since I were in middle school. Do anyone know if I would ever be able to go back with USAA.

So they took the money from my kids' accounts. Wow!! I was dumbstruck. I asked "Why in the world with all the business we do with you did we not know about this?" The man on the phone was kinda like wow also. He was very sorry and had no answers really. Told him it was not his fault. He probably was not working for USAA long. It's 68.00. Big whoop. Had we known we would have paid that no problem and I was not even told what those charges even are! We have no bank statements or account number to even check if that is accurate. The fact they did not even ask or call to say anything makes me upset so they just take it from children's accounts. We will be checking around to try and see about a better rate on our car, insurance/home and pay them off asap and be done.

All of our credit cards give us the active duty rate. Nope not them. And our cards were open after the active date also. They just appreciate our 19 years of service unlike USAA who does not give military anything special. Three military generations one medal of honor with USAA and it stops NOW. Heck no. Never ever ever again. I closed my kids' accounts after that. 14 years later and never knew about the 68.00 until it never made it into my kids' accounts. And they have always had accurate address numbers email etc.. No reason we should have not known about this apparent owed fee of who knows what for. Just take from my kids no big deal.. I would have been happy to fix it had someone told me for 14 years.

I contacted them but was told I had six months that was plenty of time. I tried to explain to this lady, living in Texas, what winter in Indiana was like and there was no way that a large farm barn could be torn down during that time due to weather but she did not care. Roll the clock on a few months and I logged onto my account to find my auto insurance was cancelled. When I inquired why, I learned that a transfer from my other bank account did not go through, fair enough that wasn't USAA's issue but I did ask why I wasn't contacted and they claimed I was. I said "No I wasn't." I received no email or Postal service mail. The representative was helpful and had me redo my email notification setup. I paid the late balance and reestablished my auto insurance. Shortly after the next bill became due I checked my online account and I was cancelled again with no notification.

I called and inquired why again the money did not transfer from my other account but this time I was sure there was plenty of money available. The representative told me since the last transfer did not go through it cancelled the auto draft. I was never told that was the case even when I was discussing it with them the first time. I ask again why I wasn't notified and was told again that I was, so I said "Let's explore this further because something is wrong with my notifications." The USAA Representative was again very nice and helpful and did some test with my account by sending me a notification which did not send me an email. She stated they had been having some IT issues and this needed to be forwarded to the web people.

A couple of days later the web person contacted me and when I explained the problem she stated that wasn't in their area of service. I was unable to contact anyone who could help me. Back to the second cancellation I was very upset about it and told the representative that I was going to find insurance elsewhere. She talked me out of it and took my money by credit card. USAA cancelled my insurance anyway but since I did not receive notification I was unaware until two weeks later when I went to check on my account and it was locked out. Astonished they would do such a thing as lock me out of my accounts so that I could not see them to work on the issue. I called them and was told a bunch of crap like the system can't do this and the system can't do that. I was horrified that this company is 100% driven by the "system." There was nothing people could do because the computer said this. Problem is the "system" is messed up!

I have spent countless hours on the phone since trying to resolve all of these issues but no matter what the representatives do the "system" seems to be in control and no resolution has been made. Still to this date if I try to log in I am denied and the message says I owe money. I don't believe that I owe any money but since USAA is unable to assist in this matter I have let it ride. I know that I need to get this dealt with but I have also given up on any hope that a service Representative, as nice as they might be, will be able to help in any way. I probably will have my lawyer take over from this point because I do not like the idea of them posting I owe money. One additional problem is they have no ATMs or collection centers within 50 miles of me so the only reasonable way that I can deposit money is transfer from my other account which takes 3 days.

I am so disappointed that things went this way because previous to the start of these problems they were exceptional. I had two claims they paid without issue and my daughter who is a military wife had a couple of claims they were exceptional with. But there seems to be no resolution to my problems. This is why in the future I will stick to businesses that are more local so I can walk into their office and deal with any problems face to face. USAA is a large mess with a very courteous and helpful staff. Unfortunately they rely too heavily on a computer network that is experiencing severe issues and they are way too big to handle it effectively. So sorry USAA you are a company founded on an excellent principle with excellent people but you are a mess!

On several occasions the loan processor would send me an email on a Friday, after closing of business hours, on a weekend demanded documents by the upcoming Monday morning with threat of loan expiring if documents were not received. Though quoted an interest rate, APR, projected mortgage payment and closing costs for a 15yr fixed mortgage (without notice), they changed to a higher interest rate offer, APR, Discount Points and closing costs. The original projection and unexpected new dates were always considerably higher than other lenders and when I asked them why, the pre-qualification personnel said it was because the interest rates had changed and that we would inevitably be saving by taking on a 30yr mortgage at a higher interest rate if we were intending on selling the home within ten years.

This company has ultimately cost us time, money, embarrassment, distress and probably the loss of our home purchase. I do not recommend them by any means. If I could rate them with no stars, I would. My experience with USAA is that they prove themselves to be unprofessional, unable to conduct loan processing, unable to inform the buyer of important information in a timely manner, unable to correctly deliver and/or process incoming or outgoing mail for documents or applications, deliberate failure to communicate with the borrower, created demands for documents and signatures at extremely short deadlines they were nearly impossible to complete.

Though my family has been with USAA for three generations I am NOT going to be staying with them any longer for any of their business. I am currently seeking other venues for home and car insurance as well as mortgage lender. USAA proves to be an expensive and inadequate service that doesn't not represent or provide for their Clients.

I talked to a supervisory, his remedy... take out a personal loan in the amount of my deposit to cover any checks that may clear before they get around to processing my deposit OR ask friends with a USAA account to transfer money for me into my account OR a cash advance on a MasterCard! Really, all such workable solutions? NOT! How about USAA training their reps to tell the truth and give out accurate information. Very unhappy with USAA. Maybe locally banking is a better answer, thought USAA was better for military families. Not so sure now.

During the 2-hour qualification, USAA said the interest rate would be X on it, which was higher than the interest rate on the original amount. I asked why it was more, and they said they could give me a lower interest rate and all they had to do was an appraisal. I said: "Sure, you know we have construction going on and the house is down to studs in 70% of it?" "Yes, no problem. We will order the appraisal and send the paperwork." I told the workmen to do the extra work, as I was told I was approved for the money. Well, the ongoing construction was a problem.

After the appraisal came back they refused to give the promised money because there was no CO (Certificate of Occupancy) on the home because we were doing the remodel, even though that was CLEARLY explained before they approved the additional money. So, they lied about giving us the money. Would not even give it at the previously mentioned higher rate that did not need an appraisal. No money at all, after I had the extra work done and owed the workmen. That promise of the additional funds was lie #1.

I could afford to pay the workmen, as we were still in the framing stage of the project and I had the rest of the funds that were for the finishing work; but to pay them it meant taking money from things like flooring and kitchen cabinets, appliances, bathroom fixtures, etc., and not finishing the project to get the CO. So, after pleading for help with managers at USAA, they offered a credit card, with a small limit (in relation to the funds needed to finish the project) of $10k, and they told me to put the rest on my personal credit cards and when the CO came in, they would refi the house and pay off all the credit cards. Ahh, light at the end of the tunnel. Thanks!

So the CO (Certificate of Occupancy) came in 2-3 months later when we wrapped up the finishing details, and I went to refi with USAA, and guess what, the USAA loan to value ratio formula had changed, and we did not have enough equity in our house to qualify for a refi under the new guidelines, plus "even if we could help you, your credit scores dropped with the high balance on your credit cards." (Duh! You told us to use our credit cards to finish the house!) So they denied the refi.

That promise of a refi after we got the CO was lie #2 and eventually forced us into bankruptcy a couple years later as we could not keep up with $900 month+ credit card payments on $30k worth of charges for JUST the construction portion, with all of our other bills. I sent a certified letter to then-CEO General Robles, asking for some help prior to filing bankruptcy, but got no reply other than they had received the letter and there was nothing they could do. Good ole USAA!

So then after not paying on the USAA second mortgage for years since it was discharged in the bankruptcy and had a $0 balance, and after finally recovering from the bankruptcy by improving our credit, we went to refinance with another lender and wanted to remove the lien USAA still has on the property. Of course they wanted their money and even though the bankruptcy showed a $0 balance, they would not remove the lien unless there was a full payment. So I tried to negotiate with them on a settlement. I was told they would accept 75% of the balance. So I went to talk to mortgage brokers to see if we could get the 75% they were demanding.

While pursuing this avenue, they sent a demand letter from an attorney within 30 days of our last discussion, without warning, saying the foreclosure department now had the case. Wait, what? We were negotiating and I was checking on getting the funds. When I relayed this, they "halted" the foreclosure, but still added legal fees to the total balance. Thanks USAA!

Ultimately the 2 options with USAA were: settle for 75% of the full amount as a 1 time payment, or pay the back balance and resume payments with the full amount still owed. Upon me asking questions on what the 2 options would mean as far as our credit, amongst some other questions, I got no answers for several weeks, even with follow up emails and calls. The only reply I got was stating that "We are working on the answers to your questions." Finally, on the phone, Kevin **, Rick ** and Stephanie ** stated that if we settle for the 75% it WILL be reported to the credit agencies as a settlement and we had to check out what the ramifications were on that. We were also told that if we resume payments, nothing further will be reported.

We researched and learned what a "settlement" (i.e. "short sale") on a credit report means, and it is almost as bad as a bankruptcy, and would put us in a position of only qualifying for FHA mortgages with higher interest rates and PMI requirements - even after 20% equity - for another 5 years from the date of the settlement... IF we could even qualify. Meanwhile the deadline was approaching and we need to decide if we will settle for 75% with the credit hit or resume payments. Given the settlement is almost as bad as a bankruptcy, we did not want to hit our credit that hard and we withdrew from the refi with the new lender. I ask again, and again, and again, for the questions that STILL were not answered to be answered, other than the comment from Kevin **, Rick **and Stephanie ** about reporting the settlement.

Finally, 10 days before the deadline to settle or startup payments again, and 2 months after we were told a settlement would be reported to credit agencies, we get a letter from Rick ** with answers to my questions (kind of), including the credit reporting question. I had to ask for clarification because some of the answers were non-committal or ambivalent or just wrong, like the credit reporting answer was based upon historical reporting, not future reporting like I asked. So upon clarification, David **, Office of the President, answered and said on the credit reporting question that in either case USAA will not report anything different (than the previous discharge) to the credit agencies. Thank you?? Maybe?

David ** even told me on a follow-up phone call he thought the timeframe to answer the questions originally was absurd or unreasonable or something to that effect. I reminded him he was CC'd on every email communication I made inquiring about the answers to those questions, and he did not jump in at any time. He had no reply of substance to that clarification.

So the original information given to us by Kevin **, Rick ** and Stephanie ** that they would report the settlement to credit agencies influenced our decision and we decided to not refinance, but rather decided to resume payments. Had we been told originally that they would not have reported the settlement, which would therefore not have impacted our credit, we probably would have settled instead of resumed payment and saved 25% on the balance. But by the time we were told they would not report it, it was too late to execute a refinance (1 week until the deadline). This was lie #3 from USAA, either by Kevin **, Rick ** and Stephanie **, or by David **.

David ** told me on the phone after this clarification on credit reporting he was "sorry you received incorrect information regarding the credit reporting." Once again, we were lied to, and they were "sorry." It was absurd that it took them 3+ months to answer some simple questions of what the ramifications of each situation would mean. Like, "if we resume payments, can we repay on usaa.com", "do our USAA member benefits get reinstated", really hard questions like that that took 3+ months to answer, right until 10 days to the deadline, and then the answers as it pertained to credit reporting flip-flopped, which would have changed our decision.

Bottom line, in my opinion: USAA is a company NOT to be trusted! I feel they have no honesty, honor, or dignity. They will say what they want, when they want, without any responsibility for promises made. They will break promises and/or lie repeatedly. They will drag their feet when crucial information is needed to make educated decisions. It is a sad state of affairs when they will easily lie, and ruin lives by those lies, without a second thought or an ounce of remorse. They put us into a situation to cause our bankruptcy and could care less about that.

At this point I lost a contract worth literally 70K because of my inability to travel, as I used my credit card specifically for this purpose and they reported me as over the limit and began damaging my credit. I tried several times to get them to remediate this error committed by USAA. They refused and as my credit was already damaged, I stopped paying. I then fell on hard times due to the loss of the contract and the crash of the markets (I am a high end technology consultant and could not find work for over 6 months). I went through my savings and this impacted my ability to make payments on my car.

I called them the day before my payment was due and they had closed early, causing me to not get approved for the deferral. At this point I stopped paying on my car as well, my credit was already destroyed and I had nothing to lose. I finally got a job and was not able to even log into my account to deposit my paycheck as they had locked the account due to my financially distressed lack of payments (the app accepts check deposits, but is tied to the online account which they locked in an attempt to strong arm me into making money appear out of thin air). After calling twice (combined hold time of more than an hour) attempting to deposit my check I finally gave up.

Because of their fumbling our closing slid over a week, and we ended up losing several thousand dollars. Worst of all USAA reneged on their promise to compensate us for the extra time in hotels. When a company refuses to stand up and take account of their mistakes it says a lot about the extent of the problems. Stay far away from USAA mortgages. I wish we had read some reviews before choosing them. We would have gone with Quicken which was offering the same rates.

The title was another issue. They kept sending us paperwork to fill out saying they did not receive the title. We sent that in several times and finally my husband called them and told them that he had never seen the title and they should contact Toyota as he had done. The problem was not with Toyota's lending dept. or us. I just hope and pray when this car is paid off that a title will come to us. My biggest complaint is that they could put me on the loan without my consent or even aware that I was on it. My husband and I will never do business with these people again.

Over the weekend, though, we could no longer scan and deposit. After spending more than two hours between deposit attempts and phone calls (mostly on hold), I was told to - wait for it - get in my car and physically go to a UPS store or to mail the check. Apparently, you can deposit at UPS, but our nearest one is 20 minutes away. I said that every other bank in the U.S. has working deposit technology (including our account with a local bank) and that mailing checks biweekly was absolutely ridiculous. I had them close the account because it's completely unusable.

So now to was for the kick back, 2-3 weeks to get a paper check and another 10 business days (i.e. 14 actual days) to get my money. After this, I'm going to a local Army Credit union. Completely done with these clowns. Oh and if any one from the company is reading this tell the Former General, that is your CEO, that him and his business lack any sort of integrity and it's a crying shame that he forgot where he came from.

Today balked due to high renewal for us and no accidents that we were responsible for all claims to at fault insurance. We have auto loans homeowners and four cars insured. Had competitor's quote. Allstate 25% cheaper offered 34 dollar discount. Really taking my business and $10,400 tax free member account elsewhere. They didn't care to salvage account. I will save money on all accounts and enjoy a vacation on them. What are you thinking.

The previous comments are accurate, so no need for me to repeat the same facts about USAA BUT the intentional creation of bounced checks by doing same-day draws is illegal. I've had check deposits on the first day come back 'NSF' because the funds were not in the account yet, this is generally caused when a 'refund' is processed and the funds do not appear for a day or two... What USAA claims is NSF is actually fraud because the 'agent' did not allow normal check processing and electronic processing of a day or two. For this 'agent' action, I'm actually planning to sue, because it was only done because I had an argument with the phone agent.

But the real killer about USAA and the 'Military' is that millions of people do not realize that 'Active Duty' and 'Veteran' accounts are treated differently. 'Active Duty' accounts will almost never ever get a $29 NSF fee whereas 'Veteran' or 'Retired' accounts are fair game for $29 fees and holds... This will all in up big big news with USAA sooner or later when the first lawsuit hits USAA and its 'Active Duty' military scam...

This February 2016 I had a question on my renewal of my homeowner's packet. When I called I was informed my homeowners insurance has doubled because of those two claims!! Isn't that what we have homeowner's insurance for things that you have the misfortune of needing to get repaired?? As you can imagine I was so upset and felt I was being punished for the two claims I had and also they raised my rates in order to recoup the monies they had to pay out for the repairs. There wasn't a darn thing I could do about it!

I was not notified of the increase and my mortgage company was paying the new rate which put me behind on my mortgage by a great amount that I don't know if I'll be able to get caught up... All because of their greed and no respect to my wellbeing! Aren't they supposed to take care of their customers when it's time to?? Boy they took care of me alright!! $$$?? Doubling my rates!

I don't believe in my 60 years I have ever been treated this badly and shown just what a number I am to them and nothing more. I will do my best to tell my military brothers to beware of the business practices of USAA!! It's too bad there are laws to hide company practices from you. After all you pay your hard earned money for these already high rates!! I can't afford these rates now! How dare them have any word 'military' in their vocabulary!!! Another veteran they DID in!! Thank you for taking the time to read this. Think twice before choosing USAA $$$.

On top of 'restricted access' to my checking account they restricted access to my Insurance (homeowners, auto, and personal articles, etc.), my money markets/investments, and my home equity loan. I was quite perturbed for I have been with USAA for over 30 years. I recommended them to anyone who would ask or listen. I even felt they had the warmest, most competent customer service in any industry! My USAA 'house of cards' tumbled and burned...

So here I am, unemployed, fighting with USAA Federal Savings Bank to refund the $29 they charged me for a 23 cent transaction. Think this is unfair? Yeah it is! Write your comments on USAA's social media page. Maybe USAA will stop charging NSF fees on petty ** and really stand behind their claim of "WE KNOW WHAT IT MEANS TO SERVE". I needed that $29 USAA took from me and refused to refund!!!

The check I deposited had already cleared in two business days and yet I had to wait another eight days to have access to MY money! Come on, USAA! Do you have zero compassion for your customers?? Some of us have to pay bills and buy FOOD. This is insane. I've since taken my business to a local community bank that treats me like an actual human being. USAA should be ashamed of how they treat military families.

This is Jan. 19, 2016 & I not only owe and still paying Synchrony $4500 but I owe and am making payments to USAA for $4500!!! I am beyond frustrated! Have talked to several Customer Service reps. who promised to take care of this and have let it slip through the cracks and NOT followed through with this. I am at my wit's end and beyond disappointed and frustrated! I'm dealing with Executive Resolutions Dept. directly now. I'm praying THIS Rep. can fix this ORDEAL. This has been a nightmare!

This is the 10th time THIS YEAR that USAA has decided to place my money on a hold. It's less than a week from Christmas and I need that money for presents and they are refusing to give it to me. I have spoken with the person who gave me the check I deposited and sure enough they say that the check has already cleared their account. So why is USAA holding my money? Also they don't secure ANYTHING.

I have gotten my bank account information stolen TWICE this year...well now 3 times if you count a unauthorized charge (which they actually did give me back that money). But I want to close my account and they are refusing to remove the hold so I can get my money and close my account. This is what banks do when they are about to go under.

USAA needs to quit using their members' money to fix mistakes they have made. This is by far the worst possible bank to be with. They say they help military but according to many forums and other reviews I have read online they do nothing but ** the military. I am giving one star because it won't let me give ZERO STARS. Leave USAA if you are with them. This bank is bad news. Signed a pissed off member that has been with USAA for 8 years. BTW joined a credit union that I can trust. Y'all can kindly shove it.

I asked to see a manager at the headquarters in San Antonio and they sat me down on a video chat with someone who was clearly not in any management position, who then directed me to the fraud department. This so called "fraud department" who never contacted me for an investigation decided it was my fault. Because they refuse to show me the tape of "myself" committing this crime, I'm just going to assume it was an inside job because the forged signature on the back of the checks matched the tellers deposit slip handwriting, not to mention the fact that my name was spelled wrong. And it just happened to be the same teller on both days these fake checks were deposited. What they won't admit is that in February of this year a woman was busted for a check fraud ring and one of the banks affected was USAA. Bank of America, and IBC was affected too but they gave the money back to their customers... but what did USAA do?

They had the audacity to say it was me or someone close to me like a family member. Why would I screw myself over and furthermore WHY on earth would I use my own account information to do it? Like I said its all on tape but they said the only way the tapes could be reviewed is if I took them to court. So USAA took all funds from my savings and checking account to cover for the negative $2200.00 that was stolen, and the $900.00 that they couldn't get out of my bank accounts they turned me over to collections who have been harassing me for months. USAA makes billions off stealing money from hard working people, knowing it would be really hard to sue them. And I have called several lawyers to just look at my case and ask for advice or an estimate on how much it would be to take them to court and I have had no returned calls and the two lawyers that I spoke to said they are not taking any more fraudulent cases.

Someone from USAA contacted me after I left a bad review on their website but I have not heard back from them. Instead they updated my current address since I have moved and now the collection agency is sending me the statements to my current address so that alone tells me they have no intention on fixing this or giving me my money back. They also cut off online access to my account so I can't see the activity on my accounts. And as far as USAA contacting me, unless they are telling me that they are going to put all the money back in my account and take me off the collections list then I have nothing more to say to them, and I will continue writing reviews to anyone who will listen to me since that is all I have left to do.

Whenever you pay a money order in through UPS, it will go on hold. Where I live, there's no other way to put cash in. Then, their customer service will have the nerve to tell you that to them, money orders are not cash. That you owe them $29 in fees because you tried to get money into your bank account quickly to cover your bills. Please hear me, go to a local credit union or local bank where you can speak face to face and use them instead. USAA are scoundrels and only care about charging you fees.

I called and called and called. Asking for my $300 deposit. Each time getting a different answer to my question. Showing I did accept the offer, I am eligible for the offer. Next I didn't accept the offer, and am not eligible. Next it was, "Give it a few days and the money will be there." It never was. BIG SURPRISE! Call again, and they "escalate" it. In the end I spoke with Travis in management and he was absolutely NO HELP. I stated I would make a BBB complaint about bad business and change my accounts to another bank of to which he replied with "You have to do, what you have to do." WOW!!! What a bunch of **!!!

I was given the worse treatment and attitudes and they really could care less if I got to work or not. I have nobody to call for money and was relying on my funds for gas being that I commute 2 hours to work and then drive for Uber. The representative suggested that I could make a payment on my maxed out credit card and use the funds for gas, So I did and then they said that the available funds wouldn't be available for 7 days and my payment couldn't be returned to me. They tricked me. The available credit finally came on the next day in the amount of 2 dollars. These people are the worse people in the world, racist, uncompassionate, deceitful and have no desire to help one in an emergency situation. I'm closing my account for good, and will not recommend this bank.

I was told that wouldn't be an issue. So, I had to wait until my check reached them before I could request them to release some of the funds because again, I had to mail this to them. When I called, they told me they were not allowed to. Now, if I hadn't have banked with previous banks in the past where this exact issue has happened, and they were able to release the funds (without an issue what so ever), I would have accepted this answer. But since I have, I didn't. I asked a Manger who began to give me this long drawn out speech on how me and my family can go screw themselves. At least that's my interpretation of what she was trying to say.

Now, being a soldier, I'm sure this wasn't the first time nor will it be the last time that this financial institution runs into this issue or similar issues. And, I was indeed shocked at the lack of support that they had for their Service Members. They parade around as if they support us and they understand our unique situations as if they take care of "their own." But the hard truth is, they don't. I will get MY money after I deploy. And on that day, I will no longer be doing business with them. I've been shown far more support with my credit union (than with USAA) who also pays a day early. Everything is great until you have an issue.

2 weeks later he gets it and call to start the loan. I'm told I need to speak to someone to lock in the current rates. Thinking that's the only way to go forward I say ok. Before I FedEx the loan application back I checked the rates and they dropped. 25%. Even though I haven't sent in the paperwork that says to proceed, I cannot stop this and start a new application with the lower rate. I will have to wait till Dec or pay penalties on top of the higher interest rates. They didn't tell me I could have continued with the mortgage without locking in the rates then. BEWARE! They don't disclose everything up front.

USAA said "We don't do Good Faith Estimates until the contract is signed" and I'm all "When that means I've chosen YOU as a Lender and I'm not able to shop around." I got a snicker. That upset me SO MUCH that I chose to work with the lender that the seller recommended. When I was getting the prequalify paperwork, and while on hold, I Googled USAA Mortgage Reviews and OMG 1 star ratings. I brought this to the attention of the person who was assisting me and they said "Oh, we are aware of the ratings. We are going through a new change in the system." and I'm all "Ok... I'm putting my trust that this will be a good experience." HA! I DO NOT recommend USAA AT ALL! Listen to your intuition. It's always right.

My financial deadline is 5 days from now and I just found all this out yesterday! I know how to find a new lender. Also was locked in at 3.25% then had to go through a different program once they started digging went up to 4.0%! Please save yourself the trouble of starting with the people - they lie and are horribly ignorant. Everyone warned me about USAA but their low interest rate sucked me in. Do not get involved with this company, they are crooks.

I have spoken with several people about this and it is paid up to date now. My husband is planning on sending the final payment to them and they have it on record. Nobody said a word or sent me any notice of this affecting anything else, but to my surprise I received a letter in the mail from them that they have decided to close my credit card account which is paid up to date because of the loan.

USAA has lost points with me for having the rudest customer service reps and for not listening to customers who are struggling financially. As soon as I find another bank, I am taking all my accounts elsewhere. I may not have been in the military, but I served this country for 9 years contracting for the DOD. Shame on you for not treating customers with respect.

No luck, so my bills have to wait 10 days to be paid. I am closing my account as soon as my funds are released. What a terrible business practice for customers that live in an area that does not have a USAA branch. Nice way to treat military families. After all, aren't cashier's checks supposed to be the same as cash??? I am beyond angry. USAA SECURE CHECKING **. This account currently has funds on hold.

I got an email saying my application was approved and set up an appointment with the dealer. I thought I should go on the website and complete the next steps so that I would have that done when I went to my test drive. The next step was choosing which payment plan I wanted... AT 7.24%!! I called and got a rude person who informed me that I didn't qualify for 2.75%, that the loan was too small, and the vehicle was over 7 years old. I don't know what that has to with the price of beans but anyway.... I told her what my offer said. She told me that it said "as low as." Now, I have been reading for over 50 years! I hope I have gotten it down by now. That is not what it says.

After that call and two emails, one of which said I should have clicked on a couple of links to find out they weren't actually offering me what my offer said, I am angry and no longer feel like going car shopping at this time. I am also in the process of removing my money from USAA bank. By the way, the car dealer offered me 2.99% to try to keep the sale. Better than the people I have already paid back two loans to!