USAA Banking Reviews

It took 5 calls to get an answer. There was some fraud to my account, I called to get an answer. My account is overdrawn by 13000. I didn't deposit any money to my account but yet I'm told I'm responsible for paying back the 13,000. I don't believe this **...

I have been with USAA since 2005. Not all my experience is bad but not all have been good. The last years I have seen a different USAA. USAA has built a platform on helping the soldiers and veterans of America but has put profits ahead of each one of them. For the past three years I have seen USAA change. Recently my income changed too so on one of my accounts I became neg. but I had two other accounts with USAA my car loan and car insurance. After the neg. account USAA has since made it their mission to give me a hard time from locking me out of their website so I could not pay bill when asked about my statement was told to go online to change to paper statement but I was locked out. I had to keep calling them for over two weeks to finally to get copies of statement on my account then hit wall again to get copy of contracts on each account.

My problem started about a week ago when I found out a company had gotten my debit card info without my consent. I called the bank to see what my options were. I was told that the best thing to do would be to close the account and open a new one, which I did. About 3 days later I called to make sure I would have access to my paycheck when it is deposited, and I was told I would, my paycheck is deposited and I go to withdraw it only to find out the debit card is blocked. I called and I am told the card was fine to try again. When I do the same thing happens. I call back and after being put on hold for over an hour, I am told my account is under review and I would not have access to any of my money. WHAT?

USAA is converting over to chips in their credit cards. They send an email, send a card in the mail and give 60 days to activate the card - if the card is not activated within 60 days the card expires. My son is deployed and contacted me concerned about his card expiring while on deployment - he knows of others deployed that have had their credit card expire due to the chip conversion and they incurred/are incurring late fees on their direct billed accounts as well as not having any money when hitting ports. Per USAA, all (3) reps I talked to say there is nothing they can do to delay the conversion. In addition, the CEO's office said there is nothing they can do and that active duty service members are not their only customer base and they have to take everyone into account.

I transferred money from Pentagon Federal Credit checking account to USAA checking account in order to make a mortgage payment and USAA put a hold on a portion of my transfer money albeit I've been positively transferring money back and forth without any blemish or error. The hold is for five business days which is ludicrous. Just another tactic for the bank to control and attempt to make more money off of consumers.

USAA consistently delays posting of direct deposits, refunds to my personal account. I opened an account with Navy Federal and not only do they post deposits and refunds as soon as they are received they also show pending direct deposits and ATM refunds to your account much sooner. I'm sure every financial institution has problems. However USAA is leading in my book on the con side. Now researching other institutions to transfer my banking.

As a physician I saw a patient who had been in an accident and had USAA insurance. My billing person immediately submitted a claim for the office visit - not a big deal. Six weeks later I received a letter saying that the claim must have my medical license number on it - in over 15 years of practice NO ONE had ever required me to put my license number on the claim. So I resubmitted the claim with my license number - only to get another letter advising me that they reserved the right NOT to reimburse me for my services if I had not submitted a perfect "clean" claim within 30 days of seeing the patient! (Of course, they did not advise me that there was a problem until well after this deadline!)

My husband died suddenly and left me with no life insurance and his only policy 401k was left to his two kids from previous marriage which I did not know. I explained to USAA that I did not know about his loan that he added me online on the computer at his work without my authorization. They refused to accept that although it was done online and not our home computer. They immediately started to threaten me and said, my credit would be negatively impacted and they would start collection which they did. I was crying and said, on your site you have a option for solutions to help people in hardship. Please help me.

Loan process deeply deceptive and deeply flawed. Was solicited for auto finance loan when modifying existing auto insurance policy upon purchase and sale of vehicles. Offered very low rate and approved quickly. Instructed to execute loan documents that were delivered electronically. Documents executed with completion verification on July 13. Called on August 7 to inquire as to funding status and was told there were a number of additional document requirements that online process did not address. The loan offer would most probably expire prior to completion of process and the loan closing documents that I executed have nothing to do with closing a loan. In sum, the loan process does not appear to result in loan closure even with loan document execution and confirmation of loan completion.

USAA was a wonderful bank until my husband and I filed an insurance claim. Then our whole life went to hell. The bank has no safeguards and they allowed us to be hacked and our identity stolen. The insurance adjuster Betty ** lied to us allow our supposed landlord to use our insurance and gave out confidential information on our account. Also people need to understand they are not a federal bank. USAA is a faceless bank operating under the insurance company. So in other words it is an insurance company that owns a bank.

I recently have been a victim of a scam and received nothing but the run around with USAA. Rude customer service reps blaming me, hang ups and being on hold for half the day just for them to tell me the department I need is closed! They are saying I am responsible for lost funds but yet legally isn't the bank responsible to tell me immediately when something is suspicious in my account? They let several checks be deposited without confirmation of receiving funds. The first time they should have verified funds and if it wasn't right then I should have been notified IMMEDIATELY to shut things down before it got worse. I feel like they left me hanging on purpose. The rudest lady I talked to said they've seen this before, so my question is this should have been caught right away.

USAA will steal your money and their representatives will constantly lie to you. They can't even get their story straight. I deposited money in my brokerage account, but when I tried to buy any stock, I got an error saying I couldn't. The various reps I talked to said either it was a available to trade (uh, no, no matter how many times I tried), or gave me different excuses as to why I couldn't trade, how long until I could, or what I had to do to be able to. Often times they said I had to call a number, but that the office wasn't open atm, so I would have to call later (convenient, right?). Since I couldn't use my money for the purpose I deposited it (and opened a BROKERAGE account) for, I decided to transfer it back to my bank account... guess what? I got an error message saying I couldn't do that either!

I have been with USAA for over 6 years now. I have renters insurance, car insurance and rv insurance with them. Anytime I have issues they are quick to jump in it and fix it. I would never trust any other company besides USAA. I have had 2-3 break ins/thefts of my property within those 6 years and I never had to do a thing. They did it all. 1 car wreck - no problem, they got it covered and with s rental. Worth every penny I spend monthly.

I recently got my girlfriend to join USAA auto insurance. She forwarded me a promotion that was being offered to people opening a direct deposit $400 credit to savings as she knows that I am shopping for a new bank. I went online and saw that my previous account information was missing or removed, for what reason I do not know as I never produced a single financial exchange with them. I was hesitant to try to open an main account with them for this reason, and for the $10 monthly checking process fee which is shown just before you sign the online electronic signature. I went into the USAA Bank to open an account and asked whether USAA would honor the promotion, and, how is it that they offer free checking but the online fine print says a $10 monthly for the checking plus fee. The lady inside says they no longer charge a $10 fee, and both the lady AND the man that I spoke with over skype said that they would honor the promotion.

I have been a member with USAA since 2008. I have everything with the company. I am completely baffled with all the negative comments about the company. I bought my wife a diamond ring through USAA website. On a cruise out of the country, she misplaced it. When we return back stateside and notice it was misplaced we called USAA. They gave us the option to either give us the money back (putting it back into our account) or send us the same ring. We took the ring.

My husband is a 30 year vet and we have been banking with USAA Bank for almost 2 years and it has been a mess since we opened the account. When we tried to get the social security check direct deposited they gave us the wrong routing numbers twice. And they have never taken the Auto insurance payment out on the date originally set up. And now we called to "stop a payment". And have been informed that we have no authority over our money and that we have to get an "authorization" code from the company that we are trying to stop the payment from to get the money put back in our account. This whole experience is awful, and we urge everyone to think twice before putting your money here. We are going to be closing our account.

My Checking account with USAA was fraudulently hacked. I reported this issue back in May of 2015 with no resolution to date. At the time, I noticed certain transactions that were not authorized with my consent. I reported them immediately and requested a new checking bank card along with new online security passwords and usernames. After considerable investigation on my end, the bank supplied a check that was fraudulently signed by an unauthorized person. Also, an i-Phone with a different IP address that used my information to make unauthorized deposits and withdrawals from my checking account.

My son has been with USAA for about 3 months. Our whole family uses them for banking but considering moving all our accounts to a new bank after dealing with a Supervisor, Molly employee ID # **. She proceeded to talk to me as a child and said that this was not a DAYCARE and our full time college student should have known better to overdraw his account, which he does. They have placed holds on him for over 3 paychecks, causing direct pays not to get paid and then charges us $29 dollars. And when he called to see where he could deposit cash at the closest place was over an hour away from where we live. He told them at that time that it would not let him cancel direct pay for his credit card and to please manually stop it. And still they didn't do it and he got another $29 dollar hold fee. FED UP!!!

We have USSA for our car insurance which is originally $115 a month... Yet the past three months they have been taking $259 every pay check! That's two checks a month! Yet we have never missed a payment and then they say they can't do anything about it! Excuse me but you're taking money from supporting my kids!

My wife and I have top tier credit and applied for a loan. We were pre-approved and the barrage of sending information began. They wanted everything imaginable, all the way up to the point of asking for a letter from my wives employer that her tips would not change. That's after sending a form for them to fill out and be reviewed by a supposed independent company.

Attempted to open a USAA checking account as a new army recruit reporting for basic training in August. I do not turn 18 until after I leave for basics. I made an electronic deposit via telephone with the representative, however I was never able to see my account online. After being given many reasons for why this was occurring a technical representative stated it was because my electronic deposit had not went through and it could take up to 5 business days. On the 7th business day I was told my deposit was rejected and they did not know why nor did they notify me when this occurred. Representative stated it was too time-consuming to notify every customer when a deposit was rejected and no bank notifies the customers of rejected deposits.

I purchased a home in the last week of December of 2014. Home appraisal was done then as well. In March of 2015, I sold previously occupied condominium and used the proceeds to pay down the principal of the loan. At the same time as the principal was paid down, loan recasting was done in order to change the monthly payment. However, I noticed that PMI insurance amount was still added to my monthly payments, even though amount owed on the original loan was less than 40 percent. I requested PMI removal. However, the lender, USAA, replied with request for appraisal fee, which in my case is $365.

USAA placed a hold on a pay check that was deposited into a checking account. The representative stated that if the funds were transferred before the hold was up that we could call and have the hold released. Once the accounting department verified that the check had cleared the business account the check was drawn off of I called usaa to have the hold released. The representative I spoke with this time stated that there is no possible way to release a hold (which is a lie because they have done this for me in the past). She refused to release the hold. The banking end of Usaa is terrible to deal with and because there are limited branches to visit (none in my area) you are stuck dealing with the representatives over the phone and they outsource their calls so most of them have no clue what they are talking about and it is usually a joke trying to get anything done.

I was with USAA since 2011, never had problems until a few years later when I tried Depositing cash in the drive thru. It was literally a few bucks over a hundred dollars. The teller was taking so long and she came back and asked "where did you get the money from?" I was appalled when she asked me that and then I had to go inside, speak to a manager, made my deposit with no apology given and a waste of time. Last week, cancelled my direct deposit with them because I was considering another bank and wanted to give USAA another chance, so I got paid this week early decided to deposit my entire check in cash at the ATM. ATM couldn't read all my bills assuming because of the bulk and was supposed to send back, it didn't, it waited for like couple minutes and retract the cash I put in.

USAA bank used to be the best of the best. It has changed.. The representative all sound like brainwashed robots. No personal customer service. I think it may have something to do with another financial institution taking over them. They have started putting 9 day and 7 day holds on my check. When I call, they try to force me to take a personal loan - predatory lending - and get a high finance charged credit card, neither of which I want.

Back in May I took a loan for a car through USAA. When I very first got the loan I asked multiple times if everything was included on the loan including title taxes, etc etc.. So there would be zero out of pocket costs other than my monthly payment. I was told multiple times everything was included and covered. A month went by and I hadn't heard a word so I called and asked the gentleman that answered if everything was ok and he looked into my file and said "yes, everything is completely ok" and I should receive my registration in a week or so.

We wrote a check to our home warranty company for $100.00. USAA debited our account for $400.00! It did NOT overdraft our account, however it's right there in black and white what is written on the check. In 30+ years of banking I've never seen a bank do this. When we call, it's the same recording, 'Please try back during normal business hours.' regardless of the time of day!

I have been with USAA since 2011. My paychecks are not direct deposit, in January they began holding some of the funds from my deposits and when I called to find out why I was told that the funds were being held by the Federal Reserve until they could prove the funds were there. I was also told that after a few checks the holds may stop. In April and May there were no funds held, then in June almost my whole paycheck was held for 7 business days even though the bank that the check was from had released the funds before the 7 days.

I am one unhappy person. I have been with USAA on my own for 4 years now about and was with them on my parents' accounts when I was younger. Last week I called to get an auto loan to buy a used car. I asked for 10000 I had my father co-sign for me. I got approved and my interest rate was going to be 4.50%. So I then found a car at a dealer and called the USAA up and let them know and I filled out the rest of my loan online.

I've been with USAA for 11 years now and IDK WTF - they decided to start ripping off their customers but they are no longer military friendly or morally ethical. They put my check deposited in UPS store on hold right before Thanksgiving in 2014 and ruined the holiday for me and my family, despite speaking with the cold callous rep who said she couldn't do anything to help and after asking her "How could you be so cruel to another human being and deny me access to my money and make my family suffer," her response "I'm just doing my job."

Called about a charge I didn't recognize and they said three to five days and money would be back in account. Had to close debit card and they was sending another. When I didn't receive in timely manner I called again. The card was never sent out. So the lady said she would send a new card and take care of it. The card I received was the same number I had in my pocket. Called back and ask for mgr. No luck there and ask for another card. Still no card almost two weeks later. Big mess for no reason but incompetence. Don't put your money there if you want to control it. USAA must be making too much money. I will be closing my account.

My son opened a new bank account and a insurance account with USAA in May. Recently his account was attacked and several new accounts were opened in his name and money was added and taken away. So now there is a 3700.00 balance that he knows nothing about. He received a letter stating that he had caused too much negative activity to his account and his automobile insurance would be canceled and they did not want to do business with him anymore.

On June 9th I noticed that there 2 hidden accounts on my USAA account in the negative for about $8999 each. I did not authorize these accounts and contacted USAA immediately. USAA proceeded to badger me question trying to place blame, stating that I had participated in a scam and told them that this was not true. Please note that whenever an account is opened or transfers happen I get notified by USAA. But for some reason I received no notifications for this action. When I questioned them about it, they could not give me an answer.

A couple of years ago during my annual 3 weeks training, my apartment flooded. I had to drive 5 hrs away to get home. I had lots of flood damage. Took pics and called USAA to file my renters insurance. They gave me such a hard time that I said "Forget it!" They refused to fix anything or pay for anything until I send it for repairs first. Now I want to give them a second chance but my account has been restricted. Maybe that's a sign. Don't go back!!

I've been a member for 7 years. I've never had a hold placed on a deposit outside of my very first deposit. Friday, I deposited my check from my car accident that they were directly involved in and they placed a hold on it for 7 days. Logged in this morning and noticed that they extended the hold to 6 months. I've been calling add day for answers, no one knows what's going on. No one returns my calls or answers my grievance email I submitted 3 days ago. I filed a complaint with the OCC. Holds must be reasonable and if they aren't they have to have a good reason to hold funds that long. I am disgusted. Their service is horrible. They bounce checks when the funds are there. I hate them and have already opened a new account with Security Service. I will be canceling EVERYTHING and never looking back. But tomorrow, I will be in the branch getting my money.

My credit card has always been paid as a bank draft. I do not understand. What do I do now?

I paid my insurance (212$) over the phone, 3 days later it clears with two overdraft fees. My account showed no pending, then showed a 29$ charge with over 500$ in my balance. I asked them why they weren't on real time. They say we comply with all federal laws. No attempt to solve my concern.

I applied for a mortgage with USAA, I was "Pre-Qualified". No problem after disclosing my financial situations. I was encouraged to go ahead and sell my current home and shop for the new home, which I did, and that is how hell begun. I was told there were issues with my financial situation later on for the actual qualification part. Scam to increase interest rate? I hope not. This is 2015, we have instant access to background checks and credit checks. How dare they "pre-qualify" you, and your wife, and children? To then turn around and show their true face and walk you on the edge. We sold our place, we are moving out! And USAA still asking for proof of how I came up with EARNEST MONEY!? Why did I not make enough money a few years ago etc.!? When I initially asked questions on the phone to USAA, I was told lies. For instance a USAA customer service rep. said with USAA I wouldn't need "Earnest Money" which is a lie.

USAA is the worst!!! Not only that, the customer service hung up on me... so rude. I have already called another bank. I am switching.

They accidentally put my account on hold and when I called they said somehow they accidentally froze my account. I asked them to unfreeze it so I could pay my bills, their response is, "Borrow money", like really? This all happened on June 1, 2015. Not to mention in February they gave my ex husband my confidential information and my account number so I had to change my accounts. This bank use to be awesome. They treat military great but they treat spouses like nothing. If you are separated or divorced change banks asap. I wish everyone the best dealing with this bank.

I will say that this is the best bank. I've been with them over thirty years. I have tried other banks but always come back to this one. They are fair. They listen. They have certain rules you can't mess up --- but they will do what they can to help. Their insurance has always been the best rates and if you have a claim -- they are always there to help.

My husband has been a USAA member for 16 years, I've been on the account and doing business with them the past 2 - 2.5 years of that 16. Until recently, we have never had an issue. However, we were unable to use the mobile deposit for a school stipend check so we used the easy deposit at a UPS store on the recommendation of one of their CS reps who told us the funds would be available immediately. This was on the 16th of May. Come to find out, that put a hold on over half of it without telling us! We've just moved from Montana to Florida and need to pay move in costs for a new place, have gas, and get food. None of which we have been able to do because we still don't have our money! The funds have cleared the issuing bank and USAA has had them for several days now.

I received my commission in the Army National Guard and was told about a $25,000 loan at 2% for newly commissioned officers through USAA. I contacted them and forwarded them the application and then faxed them the loan agreement. I was informed as part of the loan that I would need to have direct deposit with my employer as part of the loan. I never moved within that time and never received anything from USAA with account information, account balance, or account numbers. I never received anything in the mail informing me that the loan was approved.

On Friday May 08, 2015 I made an online deposit with a check of $500 from my Bank of America account into my USAA bank account on my iPad. I've been doing that for months because I like to use my USAA account and USAA is not a local bank so anytime I need to deposit anything into my USAA account I need to do it through my iPad. I'm a USAA customer since 1999 and have never had any problems before. USAA is holding my funds until May 18th so they say, I'm not sure if they will release my money then, the problem is Bank of America already released the $500 to USAA and it's not there anymore.

I cannot believe all the negative reviews I have read here about USAA Federal Savings Bank. I have banked with USAA for over 38 years. I have used them for banking, loans, credit cards, insurance, and investing. I have never had a bad or unfavorable experience with them. I've made insurance claims, been late on loan payments, overdrafted my account, and all the other things folks complained about here. USAA has always taken my side rather than their own and waived fees or paid insurance claims for me where appropriate. I am an accountant and deal with many banks for my clients, so am quite aware of the horrors of certain banks. USAA has NEVER treated me disrespectfully or failed to satisfy me if there was an issue that arose, even though that issue may have been my fault. I will be a USAA customer until the day they close their doors, or the day I die. They are exceptional to work with and I would give them my highest recommendation.

I have banked with USAA for many years, typically with no problems. Whenever I call to get help with a problem, I have to answer a string of security questions before I can get assistance. So I'm curious as to how recently, a thief was able to call and change my login, pin, security questions, email address, etc...etc... with apparently no problems! I received a text, but when I did not answer within the hour that I had not requested that changes, the thief was able to change EVERYTHING. I was sitting in the dentist's chair and could not even hear the phone. Just be advised, if you are not glued to your phone 24/7, your account will get hacked eventually.

I have been with USAA for 3 yrs. I like them because they make me feel very secure about having an account with them. On my first a company named Xerographic Document solutions mailed them a check for $49,000.00. USAA received and place it on hold in my account for six days. I was ask about and I told them that my boss had told me that there were going to be some deposit made and I did not have any problems with the bank holding the fund and I understand that they have to verify it and make sure it was not a fake. Next they told me they were returning it and did not give me a reason. But I knew the money was not mine so I told them that is OK.

I have been a member of USAA for almost 14 years. It was the BEST experience I have ever had with any banking, insurance company EVER. However over the past few years, it has been an GOD AWFUL experience! I even sponsored my mother an account and someone stole her account information and started using her card and creating checks. USAA knew about this and said they were going to investigate. Instead they closed her account and charged her for the fraudulent use. Do you know how embarrassing that is when I praised USAA to her? They mistakenly sent me two cards from two accounts I did not ask for, claimed they corrected the error yet they charged one of my children's account for two overages THEY created.

USAA has constantly been messing up my accounts for at least the last year. Every time I make a deposit, the money shows as being there but the next day it shows I have a negative balance. What this bank is doing is illegal, I am sure. Every single bill I pay through them is late because they do not send the money on the dates I have chosen, they wait until later when I have nothing to pay with and then they charge the NFS $29.00 charge to my credit card which I never gave them permission to do. This not only makes my payments late but it is also preventing me from paying down my credit card balance.

I opened a new checking account with USAA. To start it I put in $100 as an initial deposit. The very next day my account was $0.00 because of a charge off fee. I cant speak to any human representing their organization on the weekend which is a huge negative. They straight up took my money and I can't get an explanation as to why. No help on the weekend? Listen to what people are saying and stay away from this criminal organization. I only lost $100 but to some of us, that means we don't eat.

I have automatic insurance payments set up so when I checked my account on the 15th and didn't see any money taken out, I decided to pay manually to avoid any late fees from them messing something up with the payments. Turns out the payment went through, so last Friday I talked to a representative who told me the money would be back in my account on monday. Monday rolls around and sure enough no money and my account is overdrafted because of this. I talk to another representative who waives the Overdraft charge and she tells me that the representative whom I spoke to on the phone on friday never put in my inquiry for the $142 to be put back into my account, that they had charged me twice for. So she tells me that it should only take a day or two and the money will be back in my account.

I tried for many years to be a value customer of USAA. My dad was in the service, so I was able to join, I was so excited! They have so many services that are of value, but every time I inquired about a service, I was turn down because of their policies. I was hoping to see how "Great" they claim to be. What a disappointment!!! USAA only help me with a checking account, which I will close. I have no use for this company. I applied for car insurance, home owner insurance, personal loan, mortgage, etc. I received no HELP for any of these services. Thanks for NOTHING USAA!!!

My husband was a member with USAA and everything was fine until he LOST his debit card so he calls USAA to report it stolen and the representative told him that he had charges to his account which he did not make and told him that he will receive a refund for all the charges he didn't make which was about $3000. Few days later my husband was trying to check his account and wasn't able to login in his account online. So he calls USAA again and they told him that his account was closed out and that they an investigation on the account and found out that there was something going on and that he will have to pay USAA $3000 back.

I scheduled an automatic bill pay under my USAA account to post against my CD-backed AMEX credit card. This payment date was the date in which I was expected to be paid. However, a day before that date I learned that I was paid a day early. So I went into the single pending payment and changed the date to my current date and modified the payment amount by maybe a $100. I clicked submit to update that pending payment. What happened next was a nightmare! My AMEX credit card was disapproved by a vendor and my access to my large credit line against my CD was frozen. I discovered later that there was a duplicate payment against the same AMEX card, plus NSF fees! This hardship was increased by lowering my FICA score by more than 10 points!

In 2012 I bought a new car. The dealer told me as a veteran I could get great insurance rates through USAA. He gave me the number and I called from his office. The representative told me in order to be a member I had to open a checking account with $10.00. He then offered me a CD and an American Express. My son was 17 and I thought this would be a great way to get him started with a checking account. They required $100.00 to open his account. I funded it with my debit card. That day my wife got a new quote on insurance and we saved nearly $600 for the year... so I called USAA to cancel the auto insurance... around and around we went. Finally they canceled it. However, they still keep billing me $228.92 for insurance we never had.

I am incredibly surprised at how many negative reviews there are about USAA. I have been a member since 2004 and have nothing but 100% positive things to say about this company. I do everything from mortgages, banking, credit cards, insurance and brokerage all through USAA and every single service is TOP NOTCH. Their customer support is so friendly and helpful that I'm sometimes caught off guard with how pleasant the experience is every time.

USAA is known for having the best customer service and just all around a good company. We have USAA insurance and credit card and love everything about those services. The home loan department is the exception and seems like a different company. We had a horrible experience with the company and I would not recommend getting a home loan with USAA. We live in California and they seemed to have never done a loan in California, at least that is how I felt as they did not know how California real estate goes. They were late getting everything to the escrow company, the processor was very hard to reach, and they had us do some of their leg work because they were having trouble doing it themselves.

I deposited a check from my husband's account via the USAA mobile service. Two days later his check cleared his bank. I assumed once USAA had the funds, it would be available. Not the case. They put the funds on hold for 10 days resulting in my rent check to be returned as insufficient, and charging me 29 dollars. When I called to discuss this matter, the representative was incredibly rude, and in no way could explain to me why, when they had the money, were they not allowing those funds to be available. Years ago this bank was phenomenal, I couldn't have been more pleased--no longer. I am highly disappointed. As it looks now, Bank of America has them beat, and that's not good. Way to serve those that have served you USAA!!!

I used a e deposit and they put my money on hold and they said I can't get my money for 14 days. The money has already been completed by the money which the money was drawn from and they still have a hold on my money and when I ask why they can't answer me and I know someone else that has a bank account with them and they have their money the next day. This is not fair I will be closing my account with them and never tell people to open account with them at all. They are rude.

First off I've been with USAA for 15 years and liked the idea of housing all my accounts with them. I didn't realize they punish you for banking with them. 1st they have no actual branches so you have to use deposit mobile or find a ups store to deposit any check. You can't ever deposit cash??? Once you use deposit mobile any check over $400 will be subject to an 8 day hold (50% of it anyway). If you live paycheck to paycheck you won't make it using USAA as your bank. Go deposit at a UPS store and your whole check will be held for 8 days. It takes 2 business days for a check to clear. I asked why they keep it for an extra 6 days and I got no answer. Only thing he told me was that he couldn't release it. It's illegal??? What??? What they're doing is bs and I have closed all my accounts and moved to Wells Fargo. Please don't make the same mistake I did by using an auto insurance company as your bank.

This started January 20, 2015 spoke to representative with USAA for a stop payment request for ACH debit. I was told this was permanent and no other actions were necessary. Almost a month later the company started debiting my account again resulting in NSF fees. Called and started stop payment process again, was told by that representative that I needed to send something in writing. I then sent an email to them in writing per their request. Within a week another debit was made from my account. I called USAA again and was told that the request for stop payment was not sent in for some reason and I was then told that the request would be placed that day by that representative.

I've NEVER had an account with USAA, EVER! Yet for several years now, I have been receiving mail as "Specialist XYZ"... Not only have I never served in the military, but never had an account, but these idiots can't stop me from continuing to receive said mail!!! Now we've moved two hours away, and guess what? I'm receiving the mail at my new address from them with my new address on it! Really!?! I have never felt so violated in my life! I call and they tell me to fax a copy of my driver's license and birth certificate over to their blah blah department... Yeah, how about NO WAY! Please feel free to contact me, I'm going to report your company to the Fair Trade Commission, Better Business Bureau and the news media...

I've been a USAA customer for 20+ years. For the first 15 years, I raved about them to everyone I knew, but have since stopped raving. Since that time, I've learned the mortgage department has no real link to USAA and they don't really care about helping their clients. They don't offer condo insurance with any waivers. And they've moved to a Bank of America model of managing deposits - meaning they sit on the deposit, collecting the interest while the customers waits for the payment to clear. In the past, it has taken 2-3 days for a check to clear, now they quote 10 days and as others have noted, they mean at least 10 days. I am shocked that a company with the express purpose of supporting current and former military staffers would follow the big-bank model, but given that they are no longer a credit union, I am less surprised. USAA had my loyalty, but not any more. I'm going to shop for the best deal and diversify my financial portfolio.

Bait and switch tactics. Was sent an email offering a zero interest for transfer of a balance to one of their credit cards for 18 months. I applied for the card and transferred a balance over to USAA the card that was issued had an interest rate attached. USAA pushes paperless billing so I did that. Since I knew I was not using the card, I never looked at the statements just made payments every month. Had the total amount paid off in 11 months. Before making the last payment checked the latest statement found that interest was accruing.

I have held a USAA checking and savings account for over 17 years but am working on closing it. Over the time I have been with USAA I have had multiple accounts including Checking, Savings, Retirement, Auto and Renters Insurance, Auto Loans and Personal Loans. Additionally I am a legacy. All my family have been customers. My parents always told me that USAA was exceptional but I have had enough.

So many bad experiences. Where do I even begin? I made an honest mistake thinking my Life insurance automatically came out on the 29th instead of the 27th, I put the money in on the 28th and paid my USAA credit card bill. Then I got hit with not two nsf fees, not three, but five! For two transactions. Then I called to cancel my USAA loan auto-withdraw so they couldn't pull twice and hit me with more nsf fees only to be told that five days is not enough notice and they are going to pull anyway. So then I call to cancel 3 of my four insurance policies with them and the woman is so rude, I ask to be transferred to a different representative to which she refuses! Are you kidding me?

USAA used to be very reputable!!! Now they are the most inept bank I have ever used!! We have over $4000 in our account and twice have returned payments of $2000! They refuse to take accountability. Admitting there is a problem but not helping to fix it!!! Ohhhh yes and the fees! Beware!!!! Where most banks count your deposits first, not USAA!! They do debits and payments first and then deposits, so they can make sure and at least get one $29 return fee!!! I'm pulling my money out Monday!!! Good bye USAA!!!

I was sent a check for $100 and I deposited it on the 1st of February. I went out with my children for lunch and had no issues with my debit card. Fast forward to the next morning and I am trying to make a purchase and my card is declined I know I have enough in the account to cover my purchases. After using a different card I go to my account on my phone and see that there is a hold on my check. I was truly confused. I called USAA and was told that it was policy to hold a check until it cleared. I am told it will clear on the 18th, 17 days after it was deposited.

First let me say that USAA's banking and insurance is 5 stars. Based off my great experience with their banking and insurance side of the house, getting a mortgage through them was a no brainer. The loan originator was very professional but then things went down hill after I sent in the purchase contract. My processor was not at work for 2 weeks out of the first 3 weeks my loan was in processing due to personal issues. So I dealt directly with her manager.

I understand the policies and regulations the bank uses and has to go through but when I need to use my account and have to deposit money the only option I have is with a money order. So I deposited money last Thursday and won't see it until this Friday. I needed my money the day I deposited it and I need it even more now. It's unacceptable that it should be placed on hold for so long. I took my cash and put it on a money order because they offer no other way to deposit money unless I want to drive to Dallas which is really far for me. Why should I be penalized? A lady on the phone told me to have a backup credit card or something, if I have to have a backup because they have to hold for so long then what is the point in banking with them. I have never dealt with such a worse bank! Even my mom who has banked with them for a while was surprised by the lengthy hold. Unacceptable!!

USAA processed my loan recently and I was pleased with the overall experience. I was relieved that my experience was much more favorable than that of others on this website. Our processor was named Corazon (which means heart in Spanish) and she represented USAA very well. The loan process is arduous, long and challenging but she held our hand throughout the whole process. She kept us updated daily and explained the how's and why's at every stage.

We have USAA since 2011. At the beginning, their service was amazing, now is terrible. Few months ago we have overdraft protection in our accounts, now we can't have the service unless you have 100 on a credit card or have a classic credit card with them. We have 2 checking accounts, a saving car, rental insurance, and a 1300 credit limit credit card, and the keep killing me for their charges. I realized is time to cancel all my accounts with USAA, they're terrible and the customer service is worse.

A future soldier set to go to basic training 02/02/2015. My recruiter told me to go ahead get a bank for direct deposit. He recommended USAA. Since I'm 18 going right out of high school, went to USAA bank with my wife of 3 months to open account. A week later our account was locked and we were told they didn't want our business and we would get a letter. After trying to get funds back, it's been 2 months-- never received denial letter back. I'm upset.

I have been a USAA customer for 20+ years. Having all of my home/auto/banking/investments with them. I loved them... until there was a problem. I breed dogs and received a check from a prospective buyer. The buyer over paid with a FedEx'ed TD Bank check. I told the buyer that I would refund the difference but the nearest TD Bank was over an hour away. The buyer said that his wife had a BoA (nearest branch less than 15 minutes away) account and that I could deposit the over payment in her account. Knowing that there are scammers out there, I called USAA to ensure that the check from the TD bank had cleared. I specifically told the representative from USAA all the details of this transaction and that I did not want to find out that his TD Bank check bounced after I had deposited the refund into his account. I was assured that all funds were available and the check was "good."

We have a grown adult, long time estranged biological child that has never lived with us or in our household, for too many reasons for decades+. This person is a security risk and has never once been listed on any of our information with USAA or anyone we have never had any financial involvement. Again there has been no connection with this person in our data, etc. That is all irrelevant really. My point is anyone can call and say they are your child and provide a little information and get an account - NOT JUST GET THEIR OWN account. They are made aware whether or not you are found in their system then added to your profile and you to theirs!

I have been a USAA member since I went through Aviation Officer's Candidate School in 1971. I am a business owner, have a credit score of around 800, and I keep my financial affairs in perfect order. A couple of years ago I made the mistake of taking out a USAA Mastercard through USAA Federal Savings Bank. In their bungling attempts to prevent credit card fraud they have on six occasions put my card in decline mode because they suspected it had been compromised. They never, ever let me or my spouse know this in advance, so we are always embarrassed by it. I've even written the president of USAA over this, and, like the rest of his staff, he doesn't give a damn.

When I first signed up with USAA, I was extremely happy. I had been banking with Chase and they were a complete nightmare so anything seemed a better option. Sure, it was inconvenient that I was unable to deposit cash via an ATM and instead had to do so by traveling to a UPS, sometimes several miles out of my way. Because I don't deposit checks that often, I decided to let that annoyance slide and continue banking with USAA, because I thought they were more honest than other banks. Ha. As others here have already mentioned, USAA began placing any "larger than usual" deposits on hold for up to 8 days at a time. This was particularly inconvenient when USAA decided to place a hold on my account from Dec 17 to Dec 24 leaving me to do all of my Christmas shopping at the last second. When I called, basically begging, to see if "anything" could be done to release the hold on my deposit, the customer service rep was extremely rude and told me that because I had twice overdrawn my account in the past, USAA basically didn't trust me with my own money. Yeah... The "reason" that my USAA posts transactions to customer's accounts (or at least they do with mine).

If anyone at USAA is reading this and is concerned with the company's online reputation, please read, and if you want to try and make this right go ahead and contact me. I do plan on posting this on multiple websites so the search engines get a nice grip on it and it ultimately will rise to the top when people do their research when choosing a bank. For those of you who are tired and frustrated with these guys and their thug tactics, please share this article or any of the articles that you find relevant to your situation.

I recently applied for a USAA mortgage, every thing was fine up to the time I sent in the contract and paid earnest money. Then they decided that the repairs I paid on my rental property in 2012 and 13, disqualified me for the loan, even with a FICO of 850. After 28 years with them, I recommend you go to a local lender that can work with you and not these unprofessional hacks.

I opened a USAA account assuming they would be fair and have some more leniencies since I am a military member. To be fair I have bad credit. So, first I applied for a car loan, to which they approved me $15,000 for a 18% interest rate, I called to try to ask if I could have less money but a lower interest rate, they told me all they could do was let me reapply, I did and was offered, $18,000 at 22% interest... I ended up with another company at 7% interest rate... Next I needed my car insured, they offered me $220 a month, and I ended up with same coverage for $99 from Progressive. Next I wanted to start building my credit up some more so I saw USAA had in the "my offers" area of my online banking a credit card I could apply for, so, I did. They denied me.

I have been banking with USAA for the last 20 years or so. Started out with my first credit card, and then my car and rental insurance. They were so great that I moved my checking and savings over to them from another bank. Now so many years later when I need their help, they are letting me down. I have been unemployed for a year now, no fault of my own of course, and I have talked with several reps from USAA to no avail to either lower my interest rates or to grant me a loan to combine bills to have fewer payments. I am getting money once a month which is barely enough to make ends meet but does qualify as income and as they have stated, that should make me eligible.

USAA Froze our account because someone in their organization marked us as North Korean Terrorist. Meanwhile, we are unable to receive VA disability benefit, Life insurance policy has been terminated, our daughter college fund monthly withdraws have been suspended. To really make matters worse, they never contacted via mail, phone, e-mail to let us know that they were suspending the account. We are not North Koreans. Someone has really screwed up within USAA. There is too much governmental control in this Banking system. Racial profiling is uncalled for those who serve their country to spend a year in combat. They had no answer for me other than: "Prove to us you are not north Korean."

I went to USAA because I was looking for an online bank and it came highly recommended by another website. However, the bank insisted on holding all of my deposits for 5 business days, i.e., a week. After banking there for almost 6 months and still having holds placed on my deposits, I took my business elsewhere. Imagine the humiliation of depositing a paycheck before Christmas, and not being able to use it for a whole week. This bank caused me innumerable hassles difficulties and embarrassment. It made it difficult to pay bills on time. At first they would release some of the money of the deposit when I called and complained, but after awhile they refused to give me access to my money at all, except for the first $100 of the deposit.

USAA received a ACH direct deposit from my employer five days ago. They will not post my funds to my account or return the money to me. Representatives are all telling me different stories. I need my paycheck to take care of my family. No Thanksgiving dinner.

I've had a USAA banking account for about six months. Like many other reviewers, everything is fine until there is a problem which requires a human being to do something -- that is, REAL customer service. I discovered the fraud -- comprising four debit transactions -- almost an hour before USAA did. The initial handling was competent. However, the resulting actions have become alarmingly incompetent. A day later, I discovered that USAA had credited the account with amounts the same as three of the four fraudulent transactions. However, two of the four fraudulent transactions, both for which USAA had credited funds to the account, were not pending or posted to the account anymore. This left the account with an incorrect high balance. I called to find out what was going on with the account.

My late husband and I have been with USAA for at least 4 years. My husband passed away in January and ever since his passing, USAA has treated me like a second class citizen. I have two direct deposits that go into that account every month. They put a 7 day hold on any check, deposit, or wire transfer that goes into that account. This infuriates me because I am always late on my bills. Then it's like they pick and choose which amounts come out of my account first even if the purchases/bills are paid days apart. If they would leave it alone I wouldn't have any problems but since they don't leave them alone, I end up bouncing a couple of my bills which of course causes the insufficient funds charges.

I created a new account and had a debit card ordered from stolen wallet incident. The operator over the phone only needed my address and name to do so without description of my identity at all or social security info. I was angry that the lax security over my identity theft was so negligent in issuing all of my sensitive information without asking for my true identity or questions pertaining to security over the accounts in question. My insurance rate has doubled over past three years and had to cancel. This bank isn't in my mind anymore as I closed all of my accounts and business transactions with them. Security issues and ripping off customers is primary mission statement that I received doing business with them for three years. I wouldn't recommend anyone to use USAA unless you have lifelock or other secure means and insurance for identity theft issues this bank creates.

This bank has been calling me for 1 whole year asking for Cody. I tell them this is not his number. They, Tim, Jacqueline, others, assure me they have removed my number! NOT! Today when I call back to request they remove my # again Tim hangs up on me mid-sentence. So I call back, Tim transfers me to Jacqueline VM. I told her it had better stop now today. Now I am calling the BBB. Let's see if I can get their attention now. Next Angieslist after I contact the Jag office. They might get put on the military blacklist. Oh well.

I have been with USAA since 2000 and have never had one reason to complain about any service they provide. I do everything with USAA. I see a lot of complaints on here and most seem to be small problems that can quickly be fixed. USAA has the best customer service! People who complain about them are just looking for something to complain about.

I reported fraudulent charges to my debit card to USAA, signed an affidavit, and then received (months later) word from USAA that they determined the fraudulent charges were authorized (never mind the fact that the charges were for a hotel in a city and country to which I have never been; and never mind the fact that several other fraudulent charges were attempted around the same time). More irritating, USAA sent me notification that they were denying my claim on a Sunday morning, when I could not do anything about it, other than simmering in rage for 24 hours so I could attempt to reopen the investigation. Another point, their investigation did not involve speaking to me for the basic facts. Instead, they relied solely on Orbitz to make their determination. If they do not reverse their decision, then I've lost more than $500 to fraud. Even more frustrating is the fact that USAA says I should deal with Orbitz to resolve this matter, which they will not do because they already honored the reservation someone else made in my name. Being a victim of fraud is insult enough; but to have USAA basically call me a liar takes the cake.

Every time my fiance deposits her paycheck they put a hold on it, and it's from the same employer every time. I hate it ...they have made life harder because my bills are always late and late fees on top of that, and they flip flop the transaction history all ** like.

I ignored the negative reviews of USAA Mortgage because I've been doing my Banking and Insurance with USAA for a couple of Decades. That was a HUGE mistake. I applied for a Mortgage, for a Condo, at the end of August 2014 with a projected closing date of November 3rd. I figured that this would give plenty of time to accomplish the necessary steps to get the mortgage. I got my mortgage commitment letter on Sept. 10th and thought I was all set for closing. On November 5th, 2 days after my initially scheduled closing date, USAA calls me and tells me that they are not going to approve the mortgage because the condo association does not have enough insurance to meet USAA's guidelines and that I might have better luck with a local lender. This is information that USAA could have checked out months ago! I am sitting in an apartment whose lease ends in 33 days. The seller has purchased another place and is awaiting my payment! Everyone involved with this transaction has been screwed by USAA. I am now reevaluating all of my banking and insurance with USAA. I don't think I can forgive this level of ineptitude.

I obtained an RV Loan in May 2014. For the first 3 months they took my total payment and applied it to interest only. To date I have paid every payment on time for a total of 5 months. The borrowed amount was $35,000, total paid to date is principal of $1,096.91 (2 extra $500 payments) and interest of $2,198.64 with a payoff balance of $34,275.00. This has got to be illegal. I do plan on reporting this to the banking commission and FDIC.

Have made 2 deposits recently that were put on hold for 3 days and each time on 3rd day the hold is extended. When I called, USAA SAID THERE WAS A "federal hold" on my account but they refused to give me any more info or produce any legal papers justifying any hold, lien, levy, or seizure. I gathered a list of any federal agency that could even possibly have any authority to order any such act and contacted each of them myself. I have been assured by the IRS, FBI, Dept of Homeland Security, Dept of Justice, US Atty Generals Office, FDIC, SEC, and Federal Reserve that no such actions have been issued by them against any accounts of mine. Still trying to get a number to the NSA, CIA & DOD just to be even more sure but I doubt it was them either.

They charge you $8 to overnight a new card BUT THEY WON'T TELL YOU! They instead snail mail you a card, then when you call and ask they will for a fee overnight you a card but only if you ask AND that card will be an exact replica you know just in case someone stole your card en route!!! SMART HUH? Then since it's an ONLINE BANK ONLY... The FDIC will hold any check $1 over your normal everyday balance so for 2 weeks you don't get a penny from that car you sold!!! SMART????? It gets better... Any notion you don't understand a charge, AUTOMATIC SHUTDOWN. You don't know what something is for and call to ask, AUTOMATIC SHUTDOWN. You're in Kuwait and ask a question... You guessed it, YOU DON'T EAT FOR 2 WEEKS... Then their auto and insurance is hundreds of dollars more than anyone else.

After banking with USAA since 1998, I am done with them! I deposited a check for $2100 dollars using their mobile deposit app. The check was accepted and funds were shortly made available in my checking account. Three weeks later USAA sends a message (not an email message) but a message to my usaa.com online banking site. I didn't see it because the user interface sucks plus who goes on there looking for messages?!? I check my balance activity and move on.... Well six weeks after depositing this check I am looking at my account balance and see that a "deposit adjustment" was made in the amount of $2100 dollars overdrafting my account!!! I immediately call USAA and I am told the check "bounced"... I ask how does a bank issued check just bounce?!?

I have always had excellent customer service and satisfaction with USAA. Just one example, recently we were traveling and did not have a reservation for a hotel in one city. The one we picked, we paid before looking at the room. It was horrible! The man at the desk refused to refund our money. I walked out and said we were going to dispute it, and we got a different room. We called USAA the next day. The rep saw we had two charges from two different hotels, so he refunded us back the money from the dump. He used intelligent reason, and we were very pleased. In addition, they are always polite to us. I think you get respect when you give it with customer service, and we love USAA!

Someone stole my debit card and deposited false checks into the account. Now USAA is holding me responsible for $500.00. Contacted the bank immediately to inform them of the fraud, but I am responsible. USAA has charged from the 12 years that I have been a member. The customer service is rude, they will hang up on you and the fraud department never returns any of your phone calls. I am trying to handle this as professional as possible, but the account is being charged overdrafts and no one at USAA seems to care about their members.

I transferred to USAA bank because it seemed to answer all of my financial needs. I am a widow of a Korean War Vet. I tried to make use of all of the services but I was declined all but the basic banking needs and bill pay. I can't even deposit checks via cell phone. The reason for this I was told is my husband was offered this bank services while he was in Korea. We weren't married at the time so he refused the services. Nowhere in their advertisements does it say this. It just says they have all this good stuff for active and former service members and their families. I really don't think this is right.

After being a member in good standing for over 20 years USAA has recently violated my trust completely. My ex-wife defaulted on a debt that we jointly opened while we were married. Rather than contacting me first USAA has frozen my online access and restricted what services they will provide me. I am overseas and the only office that will work with me has limited hours, meaning that I have to wake up in the middle of the night to call. They routinely put me on hold for over a hour and after 10 calls over the last 3 months, they still have done nothing to help either me or my lawyer to resolve the situation. I have solved the problem with other creditors in a fraction of the time. The comical issue is that I am attempting to get them the money but they won't provide me the information I need to resolve this in court for them.

Since day 1 I have not gotten any satisfaction from this bank...When I opened the account, it took them two weeks to open up the account because every time I called, something different came up...And because no one is on the same page, I lost a client who pulled their money out because it took 3 weeks to process...Now I am having another huge issue with them...And because of it, I am not able to keep my vacation plans going to Germany for labor Day weekend...I am so upset and angry...As soon as this problem is solved, I am closing this account...I was military..I thought the bank was to help us out, not make anything so difficult..

In the last six months or so, USAA suddenly became a different organization that is nothing like it was just a short time ago. Suddenly there is literally no customer service. I can reach a call center somewhere but the agents are rude and actually hang up on us. Some customer service. I have been having a number of problems with them but was making move from CO to CA and wanted to wait until the move was finished before choosing a new bank. Tonight I had a serious problem with two possibly illegal charges to my credit card but there is no one to help with this. Just sleepy and disinterested low level call center employees who don't give a damn about any of us. We used to get service for matters like this but now they say "we can't do anything but can send it to the fraud department and you will hear in 2 or more months." What??? I need that money now. So now they say I will have to wait. So it is obvious to me our money is simply not safe in USAA. They have no employees to help after hours and during their business hours.

Can't believe USA horrible policies and customer service. My car broke down and I was stranded. I withdrew funds out of my account to have it repaired. I had to spend an amount of approximately $800. The next day USA froze my account without contacting me. I hand well over more than enough money to cover my expenses in my account. When I called the bank, I was told my account was locked and they couldn't give me any more info on the account. I had bills to pay and automatic withdrawals coming out and had to incur charges for them. I explained to the bank several times that I made the charges and gave them the amounts with the dates and times. Still they would not release the hold.

Applied for and was accepted for a USAA Mortgage loan. The loan processor assigned was incompetent at best. He missed the first two phone appointments because he kept forgetting there was a time zone difference. Documents were submitted via email attachments; however, USAA continued to ask for the same items several times. When a manager was contacted, an email from the assigned processor was received complaining that his supervisor had been notified of his failures. The processor does not operate in a vacuum and obviously the supervisory staff does not remove an inept employee. The closing date was verified and yet the processing clerk the day before closing wanted a one week extension because he "forgot to add a document in the file for final review." The day of closing was changed and the clerk was supposed to notify us by 9:00 a.m. It was 12:30 p.m. when I initiated a call to him to find out about the closing change. None of these events took place without USAA Mortgage Department management being informed of all the errors. I would caution anyone considering USAA Mortgage Department to look elsewhere. The failures of this organization are obviously from the top down.

I will echo the same sentiment of my fellow service members. The quality of service has been going down with USAA, and if you ever have a problem, they will turn hostile quicker than any other bank. For example, I had a car insurance policy and was told that it would be $50 something a month. The online portion showed $0 due for three weeks, until the next morning it showed a delinquent balance of more than $50. I called in and they apologized and removed the late fee.

I had a previous credit card debt with USAA of about $3,600.00. After some time I paid the debit off, and today 7/24/2014 I found out that I am not eligible any more for any services. I feel I have let myself down, and my family. Especially Retire Colonel Bascome ** of whom I got into USAA. I was politely thanked for my military service. I had one question about my descendants - as I have a daughter now using the services i.e. auto insurance. I still hope that I can still get the o.k. to use the services in the future. :(

USAA is great to deal with for car insurance but for banking, it's terrible! We have had our account for just under a year and at first, we had no problems with mobile deposits. Lately however, every single deposit is being held - sometimes as long as 10 business days! My paycheck is deposited via transfer so there are no problems there, but my husband's has to be deposited via mobile banking because he gets a paper check. Even though we've deposited over 30 checks, it always gets held. We have never been overdrawn (which is one reason USAA states they will hold deposits) and we are not depositing checks for an amount over $5,000 yet each and every check is held. USAA is making money on our money! I checked on my most recent deposit (a reimbursement from my work) and it has cleared that bank yet USAA refuses to release my money.

I just got off the phone in tears with USAA. They do not care anything about Veteran's Service and their customer service is horrific. Samantha left me on hold for 24 minutes, then hung up on me. This was today JUNE 11, 2014. Every time we have needed a car loan, credit card or insurance, we try to go to USAA first as we believed they supported Veterans and their families. They DO NOT.

I had gotten wounded in Afghanistan, spent 7 days in a hospital in Germany, came back to the states to have back spinal surgery. My wife was on her way to go back to Pinehurst where I was having surgery backed up into someone, told USAA that some hit her or something, in the stress that she was in and they start some investigation. When the investigator called, she said she actually backed up into someone..bottom line is they are going to dump my home and auto insurance and I can't even get online to check my bank account because they so called coded me.

I was told they didn't do vacant homeowners policies but referred me to an affiliated company. After speaking with affiliate they said they cant do vacant property insurance, so my 30 minutes was wasted after being told they could help me. USAA great for auto loans and insurance, however since my move to north Carolina, looks like their auto insurance is expensive and coverage was worse. So stay by a base in VA or USAA will not be the best to use. Been USAA member for many many years. Customer service use to be the best on planet. Now they are short with you and if you have issues, you can bet they will give you the "oh we had a dropped call," and don't expect them to call you back. Yes they have your number, but ask for something complicated and boom disconnected, shame. Time to find local bank with customer service. Funny thing is I was the one telling everyone for years use USAA. Well I apologized to those who I sent to them.

I've been an account holder with USAA for the past 5 years. I served in the US Army and Army Reserves and thought banking with USAA was going to work for me and my family. I've processed finances on a regular basis, transfers between all my USAA accounts savings and checking with no problems until this past month. When doing a funds transfer in April between 2 USAA checking accounts, the funds moved the day I did the transfer but at the end of "their business day", the funds moved back. Problem with this idea the funds left the one account and posted to the other. It could visibly be seen that it posted processing the transfer. Their business day processing and on their "employee only" screens showed the funds still in the first account.

I switched absolutely all my banking to USAA and I regret ever even thinking about it! I have never had so many problems and talked to so many rude customer service representatives in my life! I love their insurance which is why I opened a bank account. Everything was fine for the first about 6-8 months then I lost my card on a Friday night. Since they don't work weekends, I had to wait until Monday to cancel my debit card (and spent the whole weekend praying no one else found it and used it). Ever since I lost my card, it has been one issue after another with them. They place holds on any and all checks that I deposit on the 7th of every month and no one can tell me why. When I ask for more information they say that legally they can't hold the money, but no one can release it for me?! I have paid over $100 in late fees and had services discontinued because of their holds.

My entire paycheck 'randomly' placed on hold with no funds available from it at all. Called USAA and first guy tells me the check is hold because they're waiting for the payee's bank to send the funds back to them, and told me, "If you don't want holds on your checks you should setup direct-deposit", this after I had already mentioned the company I work for doesn't do direct-deposit. I started using the @store deposit at the UPS stores, because I don't trust sending them in through regular mail and the mobile app is not 100% reliable. The representative I spoke to 1st was rude, only provided short responses as if he could care less about my situation.

I've only had great service with USAA. They are quick to respond. I've had my account compromised once. They took care of it within 24 hours and didn't miss a beat. I see a lot of complaints on here. I have an auto loan, insurance, bank accounts. Never had any problem. Sounds like you guys have more issues with being responsible than with USAA.

A hailstorm swept through my area, and punched holes clean through my roof shingles. Some of the punctures were big enough to fit my little finger through. Even the tar paper was damaged. The rain leaked through, causing the ceiling to fall, and damage to my solid oak hardwood flooring. All told, my damages totaled over $12,270.

On January 17th I went to the ATM on Powers in Colorado Springs to make a deposit. After initiating the deposit, the ATM told me it was not able to do deposits at this time. I then drove across the city of Colorado Springs to the bank and used an ATM there to make the deposit. After completing the deposit, I looked at the balance on my receipt and thought it looked a little off. Once I got home I logged into USAA.com to confirm my balance, and saw that a withdrawal for $420.00 had been made from the first ATM that would not take my deposit. I did not make this withdrawal.

I agree that USAA's service had gone steadily down. It's hard to make deposits since there are not many local banks so you have to use UPS or transfer accounts. It looks easy but if you transfer money over they still bounce crap. They don't update your account to where you can monitor it and then you get a stupid story from them that even though you made a deposit the transactions or checks are processed before any deposits. If you make a deposit and it shows up on your account and you have X dollars then you should have X dollars not some other amount before you made your deposit. They allow you to use the money you transfer or deposit right away but if you have anything that comes in, they ding you with an NSF. Totally wrong for service members! I wish there was some federal action against them. Navy Federal treats their customers WAY BETTER!

I purchased several items online from Amazon.com in December. When one of my items was unacceptable, I returned it and was notified by Amazon that my card had been credited backs. The credit was issued 12/9/13 from Amazon to my USAA account. I began checking for my credit and on 12/12/13 called USAA about my $128.39 refund. I was told Amazon had not released the refund yet! I made a 3 way call between both and Amazon related what they had done and USAA all of a sudden couldn't hear the Rep. After I began relating to him what was said and 10 plus minutes, he tells me the Federal Reserves could be holding up the transfer between accounts. It should be in my account no later than 01/15/14!

DO NOT EVER USE USAA BANK! My husband has always loved USAA for their insurance so when we decided to open up a joint banking account we thought we would try USAA. Big mistake. They have a "HOLD" for 5-10 business days for ANY deposit you try to make. We are closing on a house on 1/17 and we were told by USAA that we could have the money faster if we put all of the closing funds in the account with them. WRONG. We transferred them via web from Chase Bank and they are STILL ON HOLD! Transferred on 12/30/13! Every time I talk to someone there they have pushed me around to talk themselves out of what I've come to believe - THEY WON'T GIVE YOU BACK YOUR MONEY WHEN YOU WANT OR NEED IT! Needless to say, when the hold is off the account, we will definitely be closing it. Had trouble with every part of the checking, savings, upper mgmt, and credit card. I would seriously advise you to reconsider if you're thinking USAA for any kind of banking.

Am currently trying to close a loan through USAA with one of my clients. The incompetence of their processors is truly amazing. Incorrect or lost documents. No response to calls or emails. Ignorance, yes ignorance, (there is not a better word to describe it) about the guidelines and process for a VA loan. No, we will not close on time. Yes, the family will most likely spend Christmas in a hotel due to their incompetence.

USAA was a great bank, but lately I've had so many problems with them, the latest Someone used the USAA deposit @mobile app and deposited bogus checks into my son's account. Because USAA doesn't put a hold on the money to see if the check is valid, someone(s) removed the money from the account, three times over three days. Even though the checks had been returned as the account being closed on 12/11/2013 USAA still allowed someone to withdraw $3000.00 on 12/11/2013. I called and reported the fraud as soon as I noticed it. USAA then told me that they would investigate. I thought they were really going to look into the situation, you know the deal, see what phone the mobile app came from, review the tapes of the transaction and see who withdrew the money, file a police report or a fraud alert, something....

Set up an account via phone with USAA. I instructed the guy on the phone that I was staying at my sister's house and stated that the cards needed to be sent to her address. He repeated the address back to me and said no problem. Turns out that the cards were sent to the marina where I live on my boat in Florida. This is the home address for the account but as I said, I gave him the address to where the card needed to be sent. He repeated it to me and said no problem. He stated 5 to 7 days. At the end of 7 days, I called and discovered the cards were sent to the Florida address!! USAA did step up and send the cards Fed X. I got them today and got on the web site and authorized the card. The guy on the site said no problem, done. I went to use the card and it was rejected!! I called the 800 number and was told that I needed to send copies of my social security number and driver's license to them! Why was I not told this when I signed up for the account and why did the guy who authorized not tell me that it would not work??

I love the scanning/depositing funds into my USAA account, having been with them 14 years, I think it ROCKS! I can scan with my smart phone or my home printer; it is instantaneously available. Sure, the UPS drop-off is available but then I know it is slow and is something that is not a rush (which means I never use this). I would never switch to another bank. Thank you!

When deposits are made at the UPS store, the checks are converted to electronic checks. They only take about 24 hrs to clear USAA Bank, placed a hold on my deposits for up to 12 days. This violates the expedited funds act and it also violates what they have listed in their user agreement. I am looking for other people interested in participating in a class action lawsuit against USAA. Contact me.

After submitting all requested information and going through a 35-day loan approval process, we finally received approval four days before closing. We were in the process of making the 1000 mile trip to the new home location for closing when were contacted on the road, only to be told that due to a USAA failure that should have been caught in the early days of our loan process (verbatim from the head of the USAA Mortgage Dept), our already approved loan had to be cancelled. We were literally homeless. It was time for my children to start school (already enrolled in the new home location), and we had nowhere to go. The head of the mortgage department felt that reimbursement for a missed closing, for application fees, and a hotel reimbursement made everything OK. Our retirement plans literally went down the drain in a matter of hours.... So much for helping the military.

I am a 20+ yr. member of USAA and a vet. In March 2013, I applied to USAA to refi our 80-20 mortgages held by other lenders. Today, nearly six MONTHS later, the refi was finally completed (I hope - I've thought this before only to find out it still wasn't true).

I just recently opened an account and wish I had read the reviews posted here before I did. I made my first deposit a couple of days ago at the UPS site they recommended. The money went directly to my account but they placed an immovable hold on essentially the entire deposit for a total of 11 days. That I need to pay bills and need access to money does not matter to them. When I informed them of the unfairness of their action, the extreme and unnecessary nature of such a hold they referred me to a deposit policy notification that says nothing about holding funds for this long before they are made available to the customer. I am on my third email but am not hopeful. In the meantime, I am failing to meet my financial obligations because of USAA. I have had this account for less than two weeks and am already searching for another financial institution.

USAA, I have never been so satisfied in the way I was treated. I had an old car and had applied for a 1,000.00 loan from Chase bank. I had been with them for over 5 years. I had no complaints until I tried to borrow this amount and was denied. USAA sent me a 1000.00 limit Mastercard which I used and paid off in full first 3 months. I then asked if USAA could take down my application for a car loan. To my surprise, I was approved and then they recommended their car locator service and within minutes located the car I was wanting in Killeen, Texas. We notified them and sales rep drove to Waco to pick me up. USAA had transferred my auto insurance and had buyers. Within 4 hours, I applied and bought my new car. USAA did a wonderful job. I bragged to all my friends. USAA received highest ranks in my book. Thank you.

USAA Mortgage Department has ruined my contract... Approved the loan over a month ago... One week before closing they are denying the financing... Appraisal done, inspection done, sellers driving U-Haul to GA with the whole house in it... Everyone's just waiting on USAA to give us the green light and they send a denial instead. Hoping a local lender can save the deal. You owe it to yourself to read the USAA reviews online. They can only muster a 3/5 on their own site, moderated by them. HA! What a joke!!!

I have been with USAA for 43 years. Within the last 2 years the care and service has gone to the dogs. USAA put a 7 day hold on a deposit, which actually cleared the originator bank on the 2nd day. The only way they will release the money is if I go to the originator bank, get a statement the check cleared, then fax that to USAA. Why do they do this you may ask. The answer is, "because they can."

I am writing this due to a recent experience with USAA mortgage department. My fiance received his pre-approval and the house hunt began! We were so happy. We found our dream home and made the offer. Next step was the actual approval which was a breeze. We did everything super speed and like clockwork, everything worked in our favor - appraisal, inspection, termite inspection, etc. Everything was done including our closing date being set. My fiance asked our processor if everything was a go and if we would have any problems. The processor told him that nothing would change as long as we didn't have any financial changes or any negative marks on his credit report.

I have been a member of USAA for 13 years. I started using their banking services last year. USAA routinely holds deposits and posts debits to one's account first, generating overdraft fee revenue for themselves. It is time for consumers to rise up and file a class action suit against this institution for their actions.

89 days into the loan, I was told that USAA would not be able to close my loan on time and it may take another 30-45 days. I was told that they needed to hire more loan processors and train them. Lol, I suppose they wanted me to wait while they were all trained. The entire process was a nightmare, so I walked away and closed my loan with Bank of America in 44 days, with no drama.

I have never received the checks that I ordered and they were sent without ability to track. I was told that I had requested they be sent that way, but I did not. I was not given any options and I assumed that a check order would be sent securely. When I asked to stop payment on lost checks, I was told that USAA could not stop payment on checks that were electronically submitted. What checks are not electronically submitted these days? I was told I could open another account, but why would I want to do that when USAA couldn't even handle a check order securely? How would they handle other banking transactions? What utter incompetence and stupidity.

NSF fees of $363: My account transferred $125 to my son's account to cover an e-check he knows nothing about, and our accounts were requested by me to be unlinked when he turned 18. I called, and they said I transferred the $125 to my other checking. But I said I don't have another checking, but she brought up my son's name and his account. As a solution, she suggested I close my bank account and open another. So, I let her open a new account, and I asked about my auto pay companies. She said the transactions would automatically transfer with the new account since it was closed.

I applied for a mortgage this spring and was pre-approved, though I knew my circumstances were a bit unusual. I had voluntarily taken a year off of work and so was technically unemployed when I applied, though I had signed a contract to begin employment again in four months' time, and I had more than enough in the bank for a down payment as well as excellent credit scores. I was thrilled to be pre-approved and assumed that sending in all the required paperwork was just a formality, and that there was no fear of not being ultimately approved.

My wife (we are separated) moved $17,000.00 from a joint account to a separate account in her name only. I did not receive even a courtesy call so I could acknowledge the transaction or freeze the account for that matter. Secondly, my wife is a USAA employee using her inside information to set up the individual account in her name only and moving $17,000.00 so I can no longer access these funds. The money was a joint property and a USAA employee managed to move funds without question and with impunity. Virtual banking has risks and USAA is a risk.

My (soon to be former) bank of 44 years, USAA, decided to not honor my April 17, 2012, income tax payment to you, although I had several hundred thousand dollars available in their accounts. This was because I used the wrong checking account form (the difference is indistinguishable except to their accountants). They were too busy taking other people's money to transfer funds under the agreements I had established with them or to inform me other than by the attached belated letter. They have refused to do anything to correct this unfortunate situation. Please accept the enclosed replacement check on the correct USAA account and my apologies for the inconvenience this has caused.

My identity has been stolen recently. USAA has an account ** in my name with a balance of $500. I have telephoned several times and reported this account as fraudulent and have been assured that it has been taken care of. I am still receiving statements with this account number with my name and address on it and it has a balance of $500. Please get my name and vital information associated with this account off of the records. I assure you that I never opened this account. It was allowed to be opened up fraudulently. Any consequences associated with this fraudulent account are the complete responsibility of USAA Bank and not mine. Please email back and please see that this account is closed. The balance of $500 does not belong to me. Thank you.

I signed up for USAA's automatic payments feature and set up a monthly withdrawal from my checking account to pay my USAA credit card. So on the very first scheduled automatic payment, USAA withdraws $1300 (which BTW was my mortgage payment, and my scheduled payment was $150) and when I called USAA, this is what happens: The first time I call, they deny they took the money out and imply it was paid via an external website. So I called my bank and USAA had, in fact, taken out my money. The second time I called USAA, they told me they took out that money because of some minimum payment clause that was based on some formula and my current balance and refused to give me my money back. I'm working with my bank via a dispute, but I don't have much hope of getting that money back. Avoid USAA at all costs, and if you owe them money, get out as soon as possible. I've been with them for 10 years, but they are no longer the bank I used to know.

I lost my check book, and I called USAA to ask them to close that account and open another one as someone has my check book and could use it. They opened another account and transferred all the money from the old account. The next day, I saw the bank charged me a $58.00 fee and overdrew my account. I called and questioned that the account was closed, so why it was negative now. They told me it was a transfer fee, and since the account was zero balance, I got charged NSF fees too.

I was a long time customer with USAA, and their entire company messed up, not only my checking account deposits and credit card account, but also the insurance part of it too. They overcharged me for my auto insurance, and I was told if I did not like it, too bad. So, I closed all of my accounts with them, including all my retirement accounts, mutual funds, insurance, and credit cards. Whatever you do, do not deal with any part of USAA. They all think their ** does not stink because they have people retired from the military running the show.

Similar to others who have posted here, we had a poor experience with USAA Banking. We finally bailed on a mortgage refinance after nearly six months of frustration. We sent multiple documents twice and we are afraid time would run out on documents. We've had two appraisals and two credit checks. It is maddening. We finally concluded that the foot dragging must be intentional.

I have obvious fraud on my account (2 identical charges made at a gas station in California and I live in TX) and no one from USAA called me to let me know there was "unusual" activity. Two back to back identical charges is suspicious. I called your fraud unit this morning, Dec 24, 2011 at 8:15 am and was essentially told that it was my fault for using my ATM card in TX and "how do we know you didn't go to CA and make the charges yourself?"

My wife called USAA to get an appraisal for our vehicles and it seem that the person was more interested in the mighty dollar than in helping us who fought for this country than anything. I thought USAA was all about the military. So sad, we live in a set budget the prize was way too much for us to afford. Come on, not everyone in the military is an officer. Be realistic.

I submitted all required paperwork a week after putting a contract on a property. The day before closing, I had to contact USAA to inquire about closing. Turns out they needed more paperwork. After giving them all the documents they asked for on the day of my scheduled closing and last day of my locked interest date, they still processed my loan at a regular speed. Instead of pushing to the front of the line, I've spoke with 4 executive manages now, one processor, one senior, and another manager was contacted. Still my loan closing process was treated as though it was weeks away.

I am working with the buyer on this property who is in the military. They spent hours getting pre-approved and six weeks sending in paperwork to a loan officer. The loan officer rarely returns calls or emails. She orders the appraisal prior to the inspection approval. She doesn't tell us a second appraisal inspection is required. She won't correct a GFE that is more than $9,000 off and tells us all is fine when we do contact her. The home is due to close in two weeks. We were just informed that they are denied because their student loans are not deferred for a year. They never told us that this was a requirement. Now we have to shop for a new loan and possibly be out in upfront costs (inspection, appraisal (2), etc.) How frustrating and stressful it was for a first time home buyer! It's bad business USAA.

I have been in good standing with USAA for years. I finally had enough when they charged me for cash advances which I never even had one on this card, plus for internet purchases. I have been in the military for 28 years and never once did USAA give us any slack. They use the military as a crutch always telling how they helped military families.

Me and my husband had to file bankruptcy in 2010 due to economic hardship. We have many accounts with USAA including my husband's auto loan.

As a Realtor for over a decade, I have never worked with such an incompetent bank as USAA. They don't meet closing dates, yet never return your call or even an email to let you know that. They gave away privileged information to an unauthorized party that called to inquire about the loan that didn't close. And why they think it's okay to act as the members attorney and give bad legal advice from several states away is beyond me.

I joined USAA over forty years ago as a young military officer on my way to Vietnam. USAA used to be a respectable company. That is no longer true.

I am utterly disgusted with USAA Mortgage Services. When I call for a status on my VA refinance, my processor barely can form a sentence in English and is also very rude. She will never return a call either. On 1 loan, this is my 4th processor assigned! None of them could speak very good English, neither were they kind. I have nothing against Mexican American people; however in business, you need bright, articulate, knowledgeable staff that communicate kindly and effectively. I give up and I also will be contacting Clark ** to tell him my disgust! USAA Mortgage is based in San Antonio.

I opened a checking account with USAA with the minimum deposit amount. I went to open a savings account with them to transfer my savings to USAA three weeks later. According to USAA's website, their records show that I have no accounts with them what so ever. I'll have to call back during their business hours to see if I can get my 35 bucks back. I'm glad I did not try to open a savings account. It's not worth the risk.

I have been in the service for more than 16 years the entire time I have banked with USAA. This is my 3rd deployment and I setup all my bill payments with my checking account through USAA. Before I deployed, I setup my credit card payment automatically be drawn out of my account and paid to USAA.

We have been with USAA for 20 years. We used them for the majority of our banking, investments, and insurance auto and home. We were dropped without notice. The only reason I found out was when I tried to get a home equity loan through USAA. That required homeowners insurance. So, I called and they won’t insure us. We have never missed a payment and have been excellent customers. When we really needed them, they let us down.

This is a compliment. I have been a USAA member for over 30 years. It also is for military and dependents, but you need not pay a fee to join or have a bank account with them. I recommend all dissatisfied penfed members to step over to USAA at 1 800 531 8000. No, I do not work for them. I am a truck driver.

I have an individual checking account with USAA and they have my retired USN vet husband as the primary account holder so I can bank with them. He had a vehicle with his ex that I had nothing to do with. When he failed to make a payment for this Kia, they just took the money from my account which only has money to pay for my vehicle in it. When I found out about the unauthorized withdrawal from my account by their collections department, thus, making my payment for my vehicle late, they said that there was nothing they could do about it.

June 16, 2010, $1,200 wired from B of A to USAA, money deducted from B of A acct. June 17, 2010, USAA credits $700 to savings acct. USAA says it's B of A's Mistake. B of A says USAA made error. I'm 69 years old. My heart can't take it. I need the missing $500 to restore my faith in technology.

We have banked with USAA for 16 years and have had nothing but pleasant experiences. They excel in customer service like no other company we've ever done business with. The only negative thing I can say is that they didn't want to give us the amount we needed for a mortgage 7 years ago so we had to go with someone else. It was their choice and we're still just as loyal to them. By the way, we're still paying on that mortgage, so it would've been to their benefit to go with us.

I had established a new bank account to use for my online business. So after some searching I decided to go with USAA bank's free checking account which only required at the time of writing this a minimum $25 opening deposit so I set it up to take $35 from my other bank account to my new USAA account. A day later I got an email from USAA saying my account has been approved and it has been opened. GREAT! Well two days later I check my other bank account and I see an ach/debit of $35.00 going to my USAA bank account. I thought wow ok that went so smoothly (so I thought) I went to login to my USAA account to verify that they received the funds low and behold I get an error message. For security reasons, your access to usaa.com is currently restricted.

I am filing this complaint because I have been a member of USAA for some time. I recently have had problems with my bank depositing funds in my account in a timely manner, causing excessive debits and checks to return. I have requested that the bank close my checking account. I received an email stating that the account would be closed in 24-48 hours. One week later, the account is still open with a negative balance due to unauthorized debits; it really concerns me. USAA has requested proof of documents. This was faxed over to them and still no response. I have received a letter stating that my account will be turned over to TeleCheck and may reflect on all three credit reports.