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USAA


Country United States
State Texas
City San Antonio
Address 9800 Fredericksburg Road
Phone 210-531- (8722)
Website https://www.usaa.com

USAA Reviews

Most Useful Comment
  • Jan 27, 2017

I am a Service Disabled veteran, so I joined USAA for auto insurance. I loved the slogan regarding veterans and active duty service members. I had both my home and auto policies with USAA. My car was caught in the flooding here in Houston during the week of January 15, 2017. My car was totaled, and USAA made an offer way below market value. I printed the NADA information and showed them. Their response was "that NADA information is inaccurate".

USAA uses this company called CCC One to run their market valuation reports. I reviewed the information provided by CCC One and found their information and methodology flawed'

All the cars listed were several months old

Most of the companies were in small obscure towns with depressed economies. Thus, lower prices.

One company's phone was disconnected

Two companies told me the cars they sold had transmission trouble and were sold "as is". That was reflected in the price.

One company said the motor was bad, so the vehicle was sold "as is". This is why the vehicle was sold for a low price.

I realized USAA was charging me more than double what other companies were charging for home owners insurance. I contacted them and they said that was their rate. I changed companies later that month. I paid USAA $5,5271.00 per year for coverage. My new company charges $1,927.12, for the same coverage.

I believe USAA uses CCC 1 to shield itself from the inaccurate and misleading information they provide. This was USAA gets to defraud its Veteran Customers and their families and claim it was the other person.

Mark as Useful [1 vote]
Most Useful Comment
  • Nov 24, 2016

Car was hit while parked infront of my house and USSA told us that it would be towed the next day, four days later the tow truck shows up and the car was totaled without anyone ever looking at it , and then it was towed out of state, to a USSA yard without giving us the option of letting a Auto Body Specialist look at it. Offer was extended without consideration of additonal work being done on the car, and a final date was issued for the use of the rental car. We have reached out to USSA multiple times in the past week, and the agent handling the case will not return our call. Our request have repeatedly been met with lies from their employees and I am beginning to think I can not trust anything their representatives say. I am very dissapointed with the service that I have recieved from USSA over this matter. THey are not the company that they have been when taking my money for car insurance over the past 25 years.

Mark as Useful [1 vote]
Most Useful Comment
  • Oct 13, 2016

My vehicle was totaled by a USAA customer. USAA had my vehicle towed to a salvage yard (COPART) in Austell, GA. USAA offered a low-ball payout amount, which I refused. I continued to refuse for months. They made only minor adjustments, still far less than the vehicle's value. Now I am told that since I did not accept their offer (July 15, 2016) and sign a power of attorney they have delcared my vehicle as abandoned so that I will not get it back or receive salvage value payment for it.

First, I was never informed of their offer acceptance deadline. Secondly, I was never sent a Power of Attorney to sign.

The Salvage Yard will not return my vehicle. They will only follow USAA's instructions.

No one within USAA, including the CEO's office, will take any action regarding this claim and only believe what the claims department is telling them.

It appears that Crystal Dominquez, Total Loss 22, is the culprit. Her extension is 61063. She failed to send me critical information and has lied about it to protect her job.

As a side note, I made too many critical remarks on the USAA Facebook page so they blocked me. If you are a USAA member or are considering joining, I would advise otherwise. Look at the visitor comments on that FB page. They are very telling about how a once great compay has fallen and no longer deserves consideration. I can speak from experience since I joined USAA in 1969.

Mark as Useful [1 vote]
  • May 21, 2023

I recently moved to another (2nd) State.

I contacted USAA to switch addresses.

They indicated that the new location required a new policy with a down payment.

I am still responsible to pay the balance on the previous/existing policy.

Thank god it was only 1 month remaining on that policy.

In addition - when I call them to make these changes - they inform me that the cost of insurance on the 2nd vehicle that is remaining in the (1st) State has been rate increased by $200- this rate increase was never communicated to me - and the rate/term of the policy on the web account indicates no increase.

I like USAA but this just feels like a rip-off to me

  • Oct 29, 2022

I charged new furniture on my Visa USAA credit card of over $5000. After almost 6 months, no furniture, so I cancelled the order and after already paying off the bill, I was given a credit back on my card. I asked for my refund and it took a while to finally get it. Took the check to Chase where the check was written off of and I also bank. The ATM rejected it, so took it inside to deposit. The teller said 'there is a problem with this account'and stamped/voided the check. Seriously...a bad check from USAA?? Finally got someone at USAA agian that I thought knew what was going on. She was from the banking dep. and said they would put this on 'high priority' and get me a new check. So much for that. Now, a week later, again, no check. A company like USAA sends out bad checks and wants to send another check???? If you wrote a bad check, you would 1)pay a fine, 2)pay the bank a fee 3)pay in certified funds to make your check good. What is wrong with this picture?

I am under the impression Charles Schwab is somehow part owner of USAA.(???) So much for investing in that kind of venture........ Watch your money folks. Just becasue there are commercials about a company does not mean they can put their money where there mouth is.

  • Oct 16, 2022

Back in January of 2021, my daughter passed away unexpectedly at the age of 23. She apparently had an auto insurance policy with USAA and had used my address for her correspondence even though she was not living with me. After she passed, I joined in with the rest of the family to make sure her creditors were aware of her death; making phone calls and sending out the death certificate when asked. Since the first past due notice came to me (first ever I knew she had insurance with USAA) I called customer support and let them know. They passed me along to their Survivor Services who asked me to send in a death certificate. At this point, everyone was very sympathetic and handled the situation as you would expect. They assured me the account would be zeroed out and closed and I could ignore any correspondence from here on. Nearly two years later, I am still getting the reminder letters and the occasional bill addressed to the Executor of the Estate. There is no executor. She had no estate to speak of. This is the only entity that I know of that has asked for an executor. My initial inquiries with USAA were by phone and by Facebook Instant Messenger. Since my efforts to stop the letters have doubled down, they have apparently turned off my messages to them since none have been read since November 2021 and the last one resulted in phone calls to me from two of their suits in the office of the CEO who each told me that the letters cannot be stopped because of an IT issue with the old database. When I countered that that they could be stopped, they both disagreed and said they couldn't do anything about it. My only remedy is to have me or someone declare themselves executor through the court and they can then change the address for the letters - but the letters cannot be stopped. No money is due but the letters will continue! Now that I have exhausted two lawyers with this, I can state that although it is illegal to intentionally cause emotional distress, the courts see this as an unfavorable tort, based on 1st Amendment freedoms. In other words, it would be difficult for any court to rule in my favor. My second lawyer sent their CEO, Wayne Peacock, and his legal representative several letters but they either responded with excuses or just ignored them. I have also reached out to the Virginia State Corporation Commission, Bureau of Insurance but they simply responded by saying that I needed to declare myself as executor so I can change the address...to what????? The letters need to stop. This is not an isolated case as another friend of mine has been going through this longer than I have! This is why I am not letting this go. Returning to sender has not helped. Some have suggested a post office change of address back to their office but that will result in anything addressed to the executor to be sent there.

  • Mar 22, 2022

USAA investigation for insurance always takes the side of the company. I received nothing from my claim of theft from my house. Their investigations is sketchy and their response is worst. Do not use USAA insurance its a scam. Its like paying into a black hole you won't get satisfaction. These is two claims left unfulfilled by USAA. One could be labeled a fluke. Two is a trend.

  • Feb 6, 2022

Call them every other week. They keep claiming they sent my money, and I wait 2 weeks, no check. Rinse. Repeat. Its horrific.

  • Nov 8, 2021

I was a 10-year customer/member of USAA. I have been having an atrocious experience with USAA since I notified them of my separation (I am now legally divorced). I have spent over 20+ hours on the phone in the last 2 years, my credit rating was affected, I have been nikeled and dimed to death with NSF when the funds were there or in process, the business units do not work or talk to each other, finger pointing even though I bundled products, and I had enough, I thought I was finally rid of them when I called to reconcile/pay to the end of the term, my auto insurance, and now I am being harassed yet again for funds.

Even though I have a ticket and claim number/along with their recordings that I was attempting to do the right thing and leave them well and pay off my balance with the call. Further, there is no email support, I have uploaded documents/screenshots of funds being taken from my account, the harassing emails, etc. Yesterday while I was taking my recovering from a stroke uncle to a doctors appointment, someone from the CEO's office was calling to help me with my "billing concerns" and I reminded her that I did not have any and that my bills were paid, my accounts were closed (checkings/savings/home loan) and remaining auto insurance balance was paid (Insurance through Dec 18, 2021, as of Oct 08, 2021, confirmation #3472912747) and I would be done with them for good, and they are claiming I still owe!!! Can you help, or please advise who to contact.

  • Aug 27, 2021

11-year USAA member here. We have checking, savings, 2 homeowners policies, 4 auto policies, 1 personal property insurance policy, 2 auto loans, and a credit card with them.

We purchased mold endorsements with our policies at the time of creation. 2-years ago, we repaired a plumbing leak behind our washer and dryer, and confirmed there was no mold damage. When replacing floors recently, we discovered mold on the baseboard extending onto the studs surrounding the area where the leak occurred.

After filing a claim with USAA and providing proof of repairs, pictures of damage, professional inspection, and testing results confirming the source, our claim was denied because it was not filed within 1-year of the original leak.

This mold policy is worthless, and we've been financially raped by these crooks for over a decade. We will be promptly closing all of our accounts. USAA won't steal another penny from us.

  • Jul 21, 2021

Usaa is a corrupt totally corrupt organization they don't play fair and are con artists my adjuster is a con ie Kevin bushaw usaa will pull every dirty trick they can lies lies lies not to pay fairly for damages to your property I paid over $19000 for asbestos mold water damages usaa paid not one dime now my foundation needs immediate repairs usaa hired a crooked structural engineer to say a 14000 lb tree did not damage my foundation bull s***

  • Jun 14, 2021

In May 2021, I received a letter dated from 2019 stating that I owed USAA over $200 for insurance that I never had. My ex husband was dumb enough to have USAA insurance on his truck, not my truck, his truck. And they are trying to get me to pay his bill. I have refused & reported him to the BBB as well as the attorney general of Texas.

I have tried several times over the years to cancel my "membership" with USAA & have been told that I am automatically a member due to being in the service. My information is just handed over by the government to a random company & I have no say in the matter. Stay away from these scam artists. Allstate is far superior for insurance needs.

  • Dec 27, 2020

I filed a property claim for a brek in on my usaa claim on sept 15 2013. After several phone interviews and three months I was told my claim would be denied because they dont cover if the break in is considered domestic..Know the police conducted there investigation and stated on there report that is was a simple burgulary and mentioned nothing about it being domestic but apparantly the insuance company knows more that the local authorities. I was told by the USAA investigator Ryan Seigler that I was a liar and the break in was a scam that they had a picture of one of the items that I claimed was stolen and the picture was taken in my home after the incident was reported. No one from USAA has ever been to my house to even know what it looks like and after repeated requests for them to show me a copy of this so called evidence they have failoed to send myself or the police a copy which seems very suspicious to me

  • Dec 16, 2020

I have had a great relationship with USAA for two years. However, two days ago, “glitches” in their system has caused both my checking account and credit card to be temporarily’frozen”

In the last eighteen hours, I have had to deal with eight USAA employees, none of whom have been able to fix their mistake

Even after been put on hold for what seems to be hours, nobody has been willing to “own my problem” but keep passing me off to someone else

In all of the employees I have dealt with, it doesn’t seem to matter to any of them that it is the week before Christmas

I just hung up the phone with Daniel who has said that he can’t fix my problem but will be glad to refer my problem to a resolution team

However, they won’t be able to call me before Tuesday

I am old enough to remember a time when you had a problem with a company, one employee stuck with you and worked the problem until it got solved

At USAA, those days seem to come and gone

  • Oct 24, 2020

Over a number of years I inadvertently paid thousands of dollars for USAA condominium Homeowners dwelling insurance which duplicated my Homeowners Association (HOA) dwelling coverage. This excess insurance would not be paid out in the event of a loss.

USAA was only willing to refund a small portion of the cost of this valueless excess insurance.

I filed a claim in New Jersey Small Claims Court which was unsuccessful with USSA engaging an attorney and flying in a representative from Texas with USAA asserting that the buyer has the responsibility to be aware of what they are buying because their Homeowners Declarations page clause states: "Please compare the coverage provided by your USAA policy to that provided by your Condominium Association's or Cooperative's Master Insurance policy, to ensure that the combined coverage meets your insurance needs."

  • May 2, 2020

I purchased plants from Burgess of Bloomington IL on 2/21/2020 and they should have shipped for seasonal planting in early March.

As of 5/3/2020, they have not shipped the product and they can no longer ship the product at the appropriate time. I found out too late that they have a horrible reputation with the BBB and nearly everywhere else, and they are impossible to contact.

i requested a chargeback with USAA and they refused, they suggested that I work it out with the Merchant. If you read about anyone else having this problem with Burgess, their credit card companies have stood behind them.

I find myself needed the exact sort of protection that a credit card is supposed to provide and USAA is coming up way short.

  • Apr 6, 2020

Been in Florida for 10 years and my car insurance rate was going up every 6 months for no reason; The state has no-fault insurance which is their excuse to raise my insurance along with they say because of Hurricanes the rates go up and people without car insurance gives companies a right to raise my rates--even though I have no coverage for Hurricanes, no points or accidents, no DUI's on my record, and my deductible is 1000 which covers nothing-

My History teacher said, We have Life, Liberty and the Pursuit of Happiness--but my Liberty is compromised when I am getting rate increases every 6 months for other peoples bad driving records--costing me higher rates that I can not afford other necessities--and my constitutional rights are being violated--No-fault insurance should be illegal; My credit score has nothing to do with my driving--

  • Mar 9, 2020

We have a claim against USAA Auto...Three of their agents told us that if we would supply measurements showing our front end is not narrower than our side fenders ( where the damage occurred ) they would reopen the claim and review the evidence. They contend that their clients door was open and we ran into it...we claim she opened the door as we drove past.

Our evidence is there is NO Damage to our front end!! They then claimed that our front end is narrower than the side fenders as to why we have no front end damage. Heather Pace, Wesley Pate and a Victoria all said this. The last two said they would instruct their repair facility to take those measurement. Our first visit, they had NO instructions and just did a repair estimate.

Victoria then said she would give precise instructions...our second visit they only had instructions to measure the side fender width. Our last call to USAA.. a Ursula, stated right out that we shouldn't bother ourselves because they had NO INTENTION of looking at any evidence that would prove their client responsible and to basically...SUE US!!

They lied to us repeatedly and strung us along with those lies hoping we would just go away. So now, to take them to court, our insurance company says we have to fix the vehicle ourselves and then they will try to recover the money. We can't afford to fix someone else's damage!!

  • Feb 22, 2020

Usaa cancelled 1/16/20.

Usaa debt $$$ 1/31/20

Rec'd cancellation letter 2/11/20.

Had new policy 2/12/20, elsewhere.

Problem: No coverage. 27 days

  • Jan 22, 2020

I am a military veteran having devoted 24 years to active duty service and then serving my country for another 22 years within the Department of Defense. I have been a USAA Member for over 45 years, insuring multiple vehicles, two houses, and high-valued personal property. Both my son and daughter became USAA Members, mainly because of USAA’s previous reputation of both supporting military service members and honest relationships. I now seriously question that perception.

The car for which we are attempting receive a settlement is a 2004 BMW 330i with numerous special options that I purchased new in 2004 and passed on to my son, Michael, in 2011. Over these 15 years we have paid well in excess of $15,000 in premiums without a single accident claim; essentially pure profit for USAA.

My son was involved in a rear-end collision caused by a third party driver who fled the scene as verified by the second driver, whose truck was hit but suffered no damage. My son was not charged and his car was drivable but he chose to have it towed. He reported the accident to USAA.

A USAA Claims agent initially made the decision that my son’s car should be declared a total loss and all subsequent actions by USAA representatives (some I deem very questionable) were with that goal in mind in spite of documentation supporting an alternative decision. That is:

● The initial “virtual” damage estimate by a USAA-employed third party was $3,930.43.

● The associated “Market Valuation Report,” also prepared by a third party, was $3,963.00, which we felt was too low – because:

● Not a single model with identical options could be found anywhere within North America; the models USAA had used were less than equal.

● We found that USAA’s virtual report had also failed to include both a special order upgrade transmission and another set of options – together costing $4,500 when new.

● Our research found several identical models in the range of $13,385 to $16,608, but all based in Europe – which USAA said they could not use for comparison.

● Our further research found several similar (but not identical) models located in North America with prices between from $4,500 and $8,888; however, USAA did not raise their valuation estimate and offered no explanation.

● USAA initially claimed they were mandated by “state laws to declare the car a total loss;” when challenged, USAA stated the rule was when damages exceed 80% of the car’s value they were required to declare the car a total loss.

● USAA was provided both the statute reference citation and exact verbiage from the Florida Statute which does not mandate declaring the car a total loss even when damages equal the car’s value; only that, in such a case, the owner (who keeps the vehicle) must send the title to the Florida DMV for reissuance as a “salvage title.”

● However, during subsequent calls with USAA Supervisory Personnel, they repeatedly made the same general statement that they “were required to declare the car a total loss.”

● My son repeatedly stated his desire to keep the car and pay out-of-pocket any differences between the initial repair estimate and actual repair costs.

● In contrast, USAA’s initial offers explicitly demonstrate their intent to declare the car a total loss or penalize the owner for any alternative course of action.

● Initial repair estimate of $3,930.43 (or $3,430.43 net cost to USAA) - which USAA has declined to pay;

● $3,200 paid if my son accepts USAA’s assessment of a total loss and relinquishes his car;

● $2,673 paid if my son retains the car; USAA originally erroneously stated that they (not the owner) would be mandated to notify the state to get a new title as a salvage vehicle.

● USAA, at several supervisory levels, has been made fully aware of the fact that, with repair costs estimated at $3,930.43 and the vehicle (by their own analysis) valued at $3,963, the vehicle does not have to have a salvage title in the State of Florida.

● However, now 50+ days after the accident (with my son being without use of a vehicle), USAA has chosen to revise their estimate of the repair costs by an increase of $1,494.83 to a new total of $5,425.26, which now “magically exceeds” the valuation USAA had placed on the vehicle.

● Additionally, USAA’s latest repair estimate is further inflated; our analysis (using a simple Internet search) found the cost listed for parts in USAA’s estimate are significantly higher than costs for these same parts as found on the Internet.

FINAL NOTE: We have written documentation of everything (including names) supporting all statements made within this report.

  • Dec 9, 2019

Usaa offered me a settlement for the total loss of my vehicle that was thousands of dollars less than it should have been. None the the vehicles in their survey were within 100 miles of my location. After weeks of asking i was finally told that their cars were within 150 of my location. This was a lie.

Most were closer to 200 miles. Some were even out of state. For weeks i have been asking how many vehicles are required for an adaquate survey. Usaa has not answered this simple question. I'm asking because i have provided over a dozen cars less than 100 miles away. They won't use my comps because they have sufficient numbers for their survey.

After reading the scamion i started investigating the vehicles they used. Every car has either been a salvage vehicle or has had a significant event reported and is rated as below average. Usaa is not bargaining in good faith.

  • May 1, 2019

Many of you would probably agree that USAA Insurance is a reliable service due to STRONG military affiliation. As a former enlisted soldier and commissioned officer, they supported and addressed me on a professional level while WEARNING THE UNIFORM! But no matter what undertaking I was led to believe they had your back. Yep, you read it right.

Now, hopefully you UNDERSTAND this right. It seems THEY are the ONE that got kicked from the PEARLY GATES of being RELIABLE, UNBIAS, RESPECTFUL, and PROFESSIONAL. USAA most likely has established a reputation that has been cemented for prospective customers.

Their recognition is a direct result of being their customers gatekeepers for services. After all we live in a nation that is full of lions, tigers, and bears that will say they come in the name of SERVICE but RIPPING you off at the same while advertising on the INTERNET. Anyone reading this likely knows a person whom has been RIPPED OFF.

Throughout virtually every referral service runs one word: TRUSTWORTHY. We read daily and see countless and countless stories of individuals who despite REPEATED are DRAINED DRY. We all are driven by many things and that is passionate when we are RIPPED OFF! This issue raises an extraordinary interest that compels me to direct to your attention about the hidden curtain behind USAA.

As with any public services quality services from employees are expected and vital. There is no valued and deeply cherished right than to be employed and provide that level of service. However, in some instances a company can abuse their position setting you up for failure. There is an acknowledged constitutional right to be recognized and make an argument.

On the other hand, there is a general right that will clearly show an individual's rights The mere recognition of a written complaint does not mean that the statement governs interest. This issue is important not because of the complaint but because I realize that no organization is error-free however, it is expected that employees render a level of professionalism that reflects the organization or business goal.

There is a moral order of obligation that has been established by companies and that is to take care of its customers concerns. When there is a gap a customer significantly perceives it as being less valued. Therefore, it moves a customer to thank in an adverse matter.

In February 2019, I encounter an accident that involved a road raged driver. The accident was immediately reported to USAA. A claims adjustor followed-up with a consented affiliative taped statement. I received a via email and telephone voice message requesting additional information. As stipulated, I responded to the request in a reasonable period of time.

The representative was asked if there was a general email or phone number that I could send video coverage of the road raged accident. Due directly to the driver anger I was able to video the entire accident situation. I was told USAA did not have that capability to accept the videos.

A different representative provided general email to send the video. The video was provided as requested however; I was sent a message that it could not be accepted due to the size. WELL FOLKS, it is two months later and NO REPAIRS.

BY THE WAY it snows and rains in the window due to their PROFESSIONAL RACISM! It seems that they have expressed a compelling interest for denial of the repairs. ALWAYS do further consideration and research for a broader view before considering USAA.

The need for a principal action that are significate to the facts would give a perfectly satisfactory explanation for the RIP OFF would be pivotal. FALSE and MISLEADING REPRESENTATION has no value in itself. Such ACTS are made for self-gain and are motivated by fundamental business practices.

  • Apr 19, 2019

Never recieved a bill, 3 months later got tons of charges. Sent in check after talking to operator saying there was nothing they could do. Check was returned, they want full account number written an the check and member number as well.

They knew who and where i was and my phone number on the envolope, they just sent it back with a paper saying they want all the other numbers as well. 4th month of interest and late fees. Never recieved a bill, i am sure it ammounts to almost $200. This is the way they did business.

  • Jan 16, 2019

Hi. I HATE them . I can't get anyone mature, nor knowledgeable, nor professional. Nor even not psychotic spiteful headcases. I'm not kidding. I have to call at night. It's been A YEAR of the same horrific immaturity. I get the same three late night phone people, I recognize their wicked little hatecrime voices.

I fill in the survey after the call. They obviously Know they're being reported on. But they're still working there!!! Nobody cares. They are rude in a snotty haughty way, they don't know the most basic language, like " non op" means non operative. The dumbo kept saying he doesn't know what this means and he's never heard it before. I say, it just means non operative. And he goes to look it up.

I stop him this is night and my call is only to fix the non working mobile app. Update and get a reset password. Not educate this bozo on his job on my time. I fill in the survey that he was great except that. A few minutes later, after he listens to the survey, he BLOCKED my online app. I have to call back in. I get the Hostile shrew I hate from other nightmare calls and I hang up on her.

I wait and call back and I get a different guy than either, I get him to fix the block and he's all snide, they are all in the same d**n room or reading notes to damage my call for the night, he gets ALL mean Vicious after he reads my profile, they are writing awful notes, and I ask him to remove their block. He sniffs and says, it's a routine security block for suspicious activity. They are so full of it.

This is just immature hate crap while they get PAID from ME my dad my grandparents my whole military and government family!!! I HATE them. We risk and lose brain function and blood and work our entire lives to protect little creeps like these!? To get this!! Then I say, there's no security issue. That's a lie. I was ON the phone with him, it was working, I gave a true comment on the survey, and he blocked it.

So this guy is trying to be mean to me too, and I just go, well just lift it please. He's typing. And I listen. And then I hang up. He sends me a TEXT that it's permanently blocked. These people have NO LIFE

  • Jan 12, 2019

I had a secured credit card through USAA to build my credit. They setup a CD to secure the funds. I have lost my card, or it was stolen over 180 days ago. USAA canceled my card but they still charged me $100 in fees they feel they have earned. They have also reported it and ruined my credit, and then stole my CD without my knowledge.

I now have to launch an investigation directly through VISA because these people refuse my RIGHTS as an American citizen. They claim to support and love military... it is just a joke for advertising and promotion. I have called them to report the card lost or stolen but they are refusing my legal right to do so.

I have asked when they last read the Visa agreement, and they cannot even give me a date for the contract they supposedly read that they are acting under authority. This place is a joke, they play games. If you decide to go with these people be prepared to battle over $35, $20, etc.

Their ethics are repulsive, and now typical for standard American business policy.

They would rather steal $35 from you than make you a loyal customer. I do not know what else to say other than the CEO has ONE goal. To take as much money from hard working American people, military or not, they do not care. Get ready to be theived!

  • Jan 5, 2019

I had found out recently. My understanding in the year of 2014 of May that the banking products such as USAA Military Affiliate credit cards was not open to just to anyone to apply for the cards. USAA sends out invitations to the affiliate groups by mail to invite the members of the group to apply for the credit cards. USAA does not accept business projection income on a personal credit applications. USAA has ways of checking the income.

I never received any invites from USAA through any advertisements in 2014. I was never affiliate with any group nor was I affiliate to the .U.S. Military. Never had anyone in the family who had a USAA membership. How I got the 2 affiliate cards was through USAA business partner seedcapital.com who are the one that got the 2 cards WWP and 82nd Airborn mastercard.

The personal credit application based on business projection income of $150,800.00 in the annual income. My income was S.S.I disability in the amount yearly $10,800.00 from Social Security. USAA unlawfully approved the application. For each of the card was a credit limit $12,000.00 and $15,000.00. It seems that I was deceived by both parties. My credit reports are being destroyed by USAA as of today. I would like anyone thoughts on this subject. Thank You

By the way USAA is still in business with seedcapital.com

  • Oct 31, 2018

Last summer, we noticed a higher than usual water bill and power bill, my husband looked under the house and saw that a hot water line had burst and was spraying the subfloor, joists and rafters. The pipe was located ABOVE the insulation and it was in August, so hot weather and a damp crawl space escalated the mold and rot of the particle board subfloor.

USAA sent out a appraiser and then denied the claim, said it was an ongoing issue that was within "weeks, months, years" and thus they were not required to cover any of the damage. I could not get an explanation of exactly "weeks, months, years" entailed, whether it was 12 weeks, or 8 months or 3 years? I was told I needed to check under my house more often! I said how often do you check under your house? We look several times a year, and with the increase in the power and water bill triggered us that something had happened between then and the last billing cycle.

I should have been covered. We had been a customer with them for over 20 years, we immediately found another company and terminated our policies with them.

It has now been over a year, we have not been able to come up with the funds to repair the floor (approx 15k) and now we have black and white mold, stay consistently sick and the floor by the couch is starting to sink in. I don't know what to do. I have tried to dispute the claim as they say you can, but they will not allow a dispute. I am so heartbroken and disgusted with USAA, and I don't what I can do.

Please, avoid this company like the plague, their commercials lie, I have to change the radio station every time I hear one of their commercials. I don't know where to turn.

  • Oct 7, 2018

The worst service I have ever encountered! I got car insurance with usaa, from the start they had issues with my billing and they fixed it! Well all of sudden I had 639.87 come out of my account when normally my bill is 289.97. I called upset and had a rude costumer service agent p9761 Andy, he said there is nothing he can do that every few years it will do this. I told him no I was not expecting this and I want the difference credited. He said he can't do it. So I told him to give me a manager and he told me no, they will not be able to do anything for you. I asked him again to give me a manager and he told me the same thing. I then said are you refusing to give me a manager and he said no and finally got a "manager" you can tell they totally talked before because Jordan p9765 came on the phone with an attitude and said no, the only way for my to get the difference back is if I cancel my insurance. Are you serious? Well I wascontacted by a manager and was told pretty much the same thing. Nothing they can do. That they can sometimes double bill you, she could NOT answer when I asked why I was never told this when I signed up for their policy! I do NOT understand why I was charged $639.87 for ONE month of car insurance!

  • Jun 8, 2018

12,000.00 plus missing. Theft by USAA Employee. of my money ! About my loan ! Your figures are incorrect as you and I both know. You told me on the phone credit from Hazard Ins, was 1001.00 ? Not true. Credit you said on phone. May 22 May 24th credit is, all below. Given to me by the Hazard Ins department. You imply PRINCIPAL & INTEREST 1,550.91. this is Correct. That is all I paid as always with the money I wired to the Home Equity Escrow Department Jan 2018. As all the years prior to 2018. Home Equity Department and their Escrow Department applied all payments correctly applied monthly in the past. Until now ! Now the Escrow 2018 has not been applied correctly. You have tried to add interest only as you told me April 2018 for the full year of 2018 for 7,090.00 separate from my monthly payments? It is already included in my monthly payment. It cannot be deducted on top of all payments that include as you wrote PRINCIPAL & INTEREST 1,550.91. The Hazard Ins cannot be deducted out of any payment I have made. It is the law. Or added Interest on top of my payments ! Also the Balance of my loan is incorrect !

As I told USAA March 2018, If the Hazard Ins. was paid by USAA of 3,864.50 then I will pay it now. I got no reply. That is all I owe, which makes no payments late. And all Payments for 2018 are paid in full. Get with Mr Lara, and get every payment applied to May June July Aug, Sept. Oct. Nov. Dec. 2018 payments. I wired in and paid Jan 2018, and credit all to my Monthly loan payments. And who ever rolled into my checking account 3,464.50 needs to reverse it again, back to my loan as it was in the first place ! I am not late or deliquent. And I never have been. I will be expecting a read out of all documentation sent to me of my loan showing corrected, and credited back to my loan. Including the money moved by Amelia Garcia April 16 2018, to my checking account wrongfully, and illegally. I did not authorize it. And was never told how much or why ? And why that amount ?

I apologize for my anger, But under the circumstances, rightfully so, I blew up over my money wired in missing ? Not applied to my loan correctly as it always has been for in the previous last 10 years. I expect my loan to be frozen until all is resolved and my payments applied correctly.

  • Feb 5, 2018

The USAA claims process has failed me. It’s been over half a year since my accident and I’m still not back in my car. The adjuster actually just told me my vehicle would not be totaled out because the repair cost wasn’t close to the value. In what world is $27,975.00 not close to $33,000.00? I guess if you don’t add in the $6,000 in rental car fees these six months or the current costs that the second collision company will charge for the new seatbelt and fixing the constant rattling noises, labor, oh and the dealership charges for making sure the repairs were done correctly. My car has been repaired twice and still isn’t safe to drive. There is no ETA on the seatbelt—another national backordered part. I was asked if I wanted my car repaired or totaled and then explained the process that I would get papers in the mail for title/salvage, then today I get a call informing me the Claims Director denied totaling it and said repair some more and stay in a rental. I don’t know how many more months I’ll be waiting for my car to get repaired for the third time. I’ve driven 6 rental cars longer than I ever drove my 2017 Buick Envision.

  • Feb 1, 2018

What happened is back in December a website charged me multiple times instead of once which was a mistake however it caused my checking account to overdraw and my autobills came out as normal generating a large amount of USAA $29 NSF fees. I have called multiple times trying to resolve this because the fees themselves caused the account to stay in the red, the customer service reps refused to refund any more than 2 of them stating that it's a "courtesy" even though it still adds up to over $400.

The total of the fees was $464 which is asenine and it wasn't my fault, one of the reps even gave me poor financial advice after speaking to me like a child telling me to apply for a different credit card for overdraft protection which I did and it caused my credit score to drop, the one I have is secured and has a low limit but it has been perfectly sufficient until now, another rep told me I should stop transferring money into my acorns savings app in order to avoid more of their fees. The problem was not the transferring of money to that app, the problem was that $400 was missing from my account.

I asked how they can justify taking $400 from me over a mistake and they just repeated in their robot voice "there's nothing we can do", even though we all know if I was a more "preferred" or wealthy customer any issue would be addressed and fixed immediately. I make enough money to cover my bills and I send a small amount to savings, they wiped out my paycheck and I had to take an emergency $500 loan out to even out the account so they would stop charging me. They have completely taken advantage of me, $400 is greedy and excessive. Also after the way they talked to me and their "suggestions" about what I should do, I feel discriminated against for my financial status, it's my choice to so what I do for a living even though it won't get me rich, it makes me happy and it affords me what I need, it does NOT afford me to pay USAA's frivolous fees for nothing.

  • Jan 31, 2018

I was t boned by a USAA insured individual on April 14 2017. USAA policy holder didn't feel that she had to wait behind traffic in line like everyone else and chose to cross a double yellow line into opposing traffic and run into me causing bodily injury. USAA insured was cited by Elk Grove Police Dept for a Felony for Crossing over the double yellow line into opposing traffic and caused bodily injury to me. About ten seconds after being struck by USAA insured I was able to find my cell and take pictures of what USAA insured caused. The 19 yr old USAA policy holder told her insurance company USAA that I was at fault by lying to them and not explaining to USAA she was at fault and received the Felony citation for causing the collision.

So due to the 19yr olds disgusting behavior of dishonesty USAA has followed THEIR insured's behavior as well. USAA has been playing GAMES with my Lawyer and I from day one. Here we are January 30th 2018 and for MONTHS USAA WONT PROVIDE THEIR OWN INSURED POLICY DECLARATION. YEP 10 MONTHS LATER NO DECLARATION PAGE. USAA shouldn't be allowed to write policies in California if they REFUSE to be Professional. I've been disabled from birth certificate and USAA doesn't care. USAA and it insured have impacted my life NEGATIVELY in so many ways by dragging their feet and playing GAMES with other people's lives who are not at fault. FRAUDULENT BEHAVIOR BY USAA and it's INSURED. USAA shouldn't be in California

  • Oct 25, 2017

I was rear-ended by an insured represented by USAA Insurance Company. (I am also in insurance myself ) I have requested diminishement in value as my car was brand new (fresh of the dealership lost less than two months) when their insured admittedly rear-ended my vehicle. My vehicle has since been repairs. However, since my vehicle now has an accident on the car-fax report the value of my vehicle has decreased just because of that accident. I had two indepent apprasials done on my vehicle - the second being the one USAA rep. requested that I had done at the dealership (basically a trade-in offer whowing what I can get now and what I would have gotten had the incident never happened)

Long story short -

Appraisal one- DIV is $4,386

Appraisal two - DIV is $3,800

USAA's offer in DIV is $767.

With insurance the insured is to "indemnify" me -make me whole again to how I was seconds before he hit my car. Well short of buying my a new car to replace my , then, new car then next best thing is DIV. Now ecplain to me how USAA (or any sane person) can equate $767 to be 'fair and resonable' when the two apprasials I have only differ in amount by $586?!

  • Jun 23, 2017

USAA contunally emails mme for "verification" of an order I never made. THere is no way to unsubscribe. I believe this miserable company is thenext WElllsw FArgo scandal. I hope they are put out of business.

  • Jun 16, 2017

I recently moved from Oregon to Arizona. I hired a transport company to ship my car. When it arrived in Arizona, it had been damaged. I turned the claim into my insurance company, USAA, whom I'd been with for 4-5 years. The damage was minor -- a scuffed rear bumper and dented hatch (it's a wagon). The repair estimate was $1700. USAA wants to total the car and pay me $2800, which last time I checked, was $1100 MORE than the repair estimate. On top of that, book value on the car is in the $3000-3500 range, and the car is in MINT condtiion because I have spent a total of $7550 on the car in the last year (including purchase price which was $1900).

I have provided documented proof of the money spent on the car and for what items, and they upped their payout offer from $2600 to $2800, or about 5% of what I actually spent.

Somebody at USAA said that if I found someplace to repair it for less, they could maybe repair it and not total it.

But now they're saying once it's totalled, it's totalled, and you can't change it. Sounds fishy to me.

I went to another repair shop and they said I should have the option of taking a lower payout and fixing it myself rather than it being totaled... which I would prefer to do. Hell, I even offered to let them cancel the claim COMPLETELY and pay me NOTHING in order to keep the car from being totaled. They won't do that either. They seem bound and determined to have it totaled. Then even "threatened" me today saying if I drive the car without it being converted into a salvage title, I can get in trouble with the police. So far, nobody has been able to confirm that for me.

It seems I am being strong-armed into something I don't want to do, and unlike many, I'm fighting back. If they wanted to pay out anywhere near what I have into the car, it'd be a different story. After this mess, I will definitely be canceling my policy with them.

I'm going to be seeking an attorney (which I believe needs to be based in Oregon) to pursue this matter, so if one sees this and is interested, please by all means contact me.

  • Jun 9, 2017

history of me & my fire claim

bare essential background

I have not been paid/reimbursed for a fire claim that I made in October 2015

I am being forced to live without "essential" living items while I am being forced to jump through hoop after hoop & still have not being compensated for my fire loss.

USAA is all about money & nothing about the serving the honorable military personnel that have dedicated their lives to this great country.

I have had it. Someone needs to stand up for what is right & expose USAA for what it is.

I am offering a tell all, share all details of USAAs horrible treatment of its honorable military service personnel.

USAA "quality".... is completely lacking in taking care of its military personnel

What someone has to look forward to if they pay USAA for their services

Long story longer of how fraudulent USAA really is.

they denied homeowners coverage on a 100% fire loss claim AFTER they took payment for home owners insurance. Claiming they never saw the house before the fire so, they were not going to insure it.

Meanwhile, I had two other houses insured with them & they never "saw" them. USAA had no problem accepting payments for five years on the one house & accepting payments for two years on the other house.

USAA denied the fire loss coverage of the house itself but, USAA being the great company they are, said they would pay for my belongings that were lost in the fire.

Nope, that was October of 2015 & they still haven't paid for my belongings.

After the fire, I was living in neighbor's a camping trailer while I was paying, out of pocket, to have the fire damage my home dealt with. I lived in the neighbor's camping trailer for two months.

USAA never sent anyone to offer any assistance.

Additionally, I was paying USAA insurance on my other two properties & still paying USAA automobile insurance.

I lived in my neighbors camping trailer for two months. In December of 2015, I was able to move into my shell of my burned home.

I continued to pay out of pocket to make my home livable. USAA still never offered any monetary assistance or any assistance at all.

I only had the burnt out house so, I didn't have the other house insurance payments. However, I still paid my USAA automobile insurance.

My terrible luck continued.

February of 2016, I am in an horrific automobile accident a few miles from home.

I had been volunteering with a local lady to review her medical records & help prepare her medical disability claim.

It was Sunday evening around 5-6 pm. I had just worked on her medical claim for a few hours & then, I was returning home.

Her mother's house was 6.3 miles from my home.

USAA still had not paid for my belongings that were destroyed in the fire.

I was living the best that I could. I was making my USAA payments out of my military disability monthly checks. I was living like no one should have to live. I was paying my bills & living the best I could.

I am single. I have never had an alcohol or drug problem. I couldn't believe that I was being forced to live this way. But, I did.

I had no family in town. I had no choice. I wasn't giving up. I was just doing everything that I could every day to get by. I knew it was temporary. I knew USAA said they would reimburse me for my fire damaged belongings. Any day, the reimbursement money would come. I would be much better off.

I still knew that USAA was cheating me for not covering the house itself which was a total loss because of the fire. I knew it was a fraudulent deal but, it was what it was.

Probably a few bad apples working for a good company...... at least was my thought at the time.

Anyways, that day in February of 2016, I decided to return home another way. It was unfamiliar way. Then, I was hit broadside by an oncoming truck. I was not expected to live but, I did.

I spent 2 1/2 months in a coma. Then one day I awoke at the hospital. I walked out to the nurses station & they couldn't believe it. I stayed a few more weeks in the hospital for tests, IQ tests, etc. Then I was discharged.

My USAA fire claim was the least of my worries so, I put it off.

However, USAA has continued to rake me over the coals. They claimed I did not have car insurance. They haven't paid my medical bills.

The hospital in Michigan has filed a lawsuit against USAA for my medical bills.

I have had such a terrible time that I literally moved out of state.

I have nothing. However, USAA has continued onward to show its true colors. It is not a few bad apples working there. USAA as a whole, is fraudulent.

I believe, at any point, they could have/should have redeemed themselves but, they chose not to.

I have nothing. I will probably be living with nothing but, I am a good person. I don't want anyone else to ever experience what I did. What I experienced over the last year or so, I refer to as my "Hell year".

Excuse my language but, honestly I am sure your language would be quite verbose & quite "colorful" if you had my "Hell year".

"Drama" is an understatement. My life this last year has the content of a blockbuster movie. Honestly, I haven't even told you my "expanded" my Hell year. I have only texted a synopsis.

USAA, needs to be held accountable, for its business & its serious lack of business ethics.

Bad luck, sometimes is unavoidable but, choices are not.

USAA has choose to put me in this position that I feel I must expose them for the frauds they are.

I have had bad luck & I made choices. But, I will not choose to ignore USAAs choice not to help me.

I choose to let others know what was done to me & that they should know that even if they pay their bills & hire a "reputable" company they might end up with nothing like me.

Honorable, 100% disabled, female service member living disability check to disability check & still have nothing.

Yep, I will completely tell all so, others will be fully aware. That they should research a company before payiing their bill.

I believe that legal channels need to explore USAA unscrupulous business practices.

I refuse to allow anyone else be victimized.

history of me & my fire claim

bare essential background

I have not been paid/reimbursed for a fire claim that I made in October 2015

I am being forced to live without "essential" living items while I am being forced to jump through hoop after hoop & still have not being compensated for my fire loss.

USAA is all about money & nothing about the serving the honorable military personnel that have dedicated their lives to this great country.

I have had it. Someone needs to stand up for what is right & expose USAA for what it is.

I am offering a tell all, share all details of USAAs horrible treatment of its honorable military service personnel.

USAA "quality".... is completely lacking in taking care of its military personnel

What someone has to look forward to if they pay USAA for their services

Long story longer of how fraudulent USAA really is....

they denied homeowners coverage on a 100% fire loss claim AFTER they took payment for home owners insurance. Claiming they never saw the house before the fire so, they were not going to insure it.

Meanwhile, I had two other houses insured with them & they never "saw" them. USAA had no problem accepting payments for five years on the one house & accepting payments for two years on the other house.

USAA denied the fire loss coverage of the house itself but, USAA being the great company they are, said they would pay for my belongings that were lost in the fire.

Nope, that was October of 2015 & they still haven't paid for my belongings.

After the fire, I was living in neighbor's a camping trailer while I was paying, out of pocket, to have the fire damage my home dealt with. I lived in the neighbor's camping trailer for two months.

USAA never sent anyone to offer any assistance.

Additionally, I was paying USAA insurance on my other two properties & still paying USAA automobile insurance.

I lived in my neighbors camping trailer for two months. In December of 2015, I was able to move into my shell of my burned home.

I continued to pay out of pocket to make my home livable. USAA still never offered any monetary assistance or any assistance at all.

I only had the burnt out house so, I didn't have the other house insurance payments. However, I still paid my USAA automobile insurance.

My terrible luck continued.

February of 2016, I am in an horrific automobile accident a few miles from home.

I had been volunteering with a local lady to review her medical records & help prepare her medical disability claim.

It was Sunday evening around 5-6 pm. I had just worked on her medical claim for a few hours & then, I was returning home.

Her mother's house was 6.3 miles from my home.

USAA still had not paid for my belongings that were destroyed in the fire.

I was living the best that I could. I was making my USAA payments out of my military disability monthly checks. I was living like no one should have to live. I was paying my bills & living the best I could.

I am single. I have never had an alcohol or drug problem. I couldn't believe that I was being forced to live this way. But, I did.

I had no family in town. I had no choice. I wasn't giving up. I was just doing everything that I could every day to get by. I knew it was temporary. I knew USAA said they would reimburse me for my fire damaged belongings. Any day, the reimbursement money would come. I would be much better off.

I still knew that USAA was cheating me for not covering the house itself which was a total loss because of the fire. I knew it was a fraudulent deal but, it was what it was.

Probably a few bad apples working for a good company...... at least was my thought at the time.

Anyways, that day in February of 2016, I decided to return home another way. It was unfamiliar way. Then, I was hit broadside by an oncoming truck. I was not expected to live but, I did.

I spent 2 1/2 months in a coma. Then one day I awoke at the hospital. I walked out to the nurses station & they couldn't believe it. I stayed a few more weeks in the hospital for tests, IQ tests, etc. Then I was discharged.

My USAA fire claim was the least of my worries so, I put it off.

However, USAA has continued to rake me over the coals. They claimed I did not have car insurance. They haven't paid my medical bills.

The hospital in Michigan has filed a lawsuit against USAA for my medical bills.

I have had such a terrible time that I literally moved out of state.

I have nothing. However, USAA has continued onward to show its true colors. It is not a few bad apples working there. USAA as a whole, is fraudulent.

I believe, at any point, they could have/should have redeemed themselves but, they chose not to.

I have nothing. I will probably be living with nothing but, I am a good person. I don't want anyone else to ever experience what I did. What I experienced over the last year or so, I refer to as my "Hell year".

Excuse my language but, honestly I am sure your language would be quite verbose & quite "colorful" if you had my "Hell year".

"Drama" is an understatement. My life this last year has the content of a blockbuster movie. Honestly, I haven't even told you my "expanded" my Hell year. I have only texted a synopsis.

USAA, needs to be held accountable, for its business & its serious lack of business ethics.

Bad luck, sometimes is unavoidable but, choices are not.

USAA has choose to put me in this position that I feel I must expose them for the frauds they are.

I have had bad luck & I made choices. But, I will not choose to ignore USAAs choice not to help me.

I choose to let others know what was done to me & that they should know that even if they pay their bills & hire a "reputable" company they might end up with nothing like me.

Honorable, 100% disabled, female service member living disability check to disability check & still have nothing.

Yep, I will completely tell all so, others will be fully aware. That they should research a company before payiing their bill.

I believe that legal channels need to explore USAA unscrupulous business practices.

I refuse to allow anyone else be victimized.

history of me & my fire claim

bare essential background

I have not been paid/reimbursed for a fire claim that I made in October 2015

I am being forced to live without "essential" living items while I am being forced to jump through hoop after hoop & still have not being compensated for my fire loss.

USAA is all about money & nothing about the serving the honorable military personnel that have dedicated their lives to this great country.

I have had it. Someone needs to stand up for what is right & expose USAA for what it is.

I am offering a tell all, share all details of USAAs horrible treatment of its honorable military service personnel.

USAA "quality".... is completely lacking in taking care of its military personnel

What someone has to look forward to if they pay USAA for their services

Long story longer of how fraudulent USAA really is....

they denied homeowners coverage on a 100% fire loss claim AFTER they took payment for home owners insurance. Claiming they never saw the house before the fire so, they were not going to insure it.

Meanwhile, I had two other houses insured with them & they never "saw" them. USAA had no problem accepting payments for five years on the one house & accepting payments for two years on the other house.

USAA denied the fire loss coverage of the house itself but, USAA being the great company they are, said they would pay for my belongings that were lost in the fire.

Nope, that was October of 2015 & they still haven't paid for my belongings.

After the fire, I was living in neighbor's a camping trailer while I was paying, out of pocket, to have the fire damage my home dealt with. I lived in the neighbor's camping trailer for two months.

USAA never sent anyone to offer any assistance.

Additionally, I was paying USAA insurance on my other two properties & still paying USAA automobile insurance.

I lived in my neighbors camping trailer for two months. In December of 2015, I was able to move into my shell of my burned home.

I continued to pay out of pocket to make my home livable. USAA still never offered any monetary assistance or any assistance at all.

I only had the burnt out house so, I didn't have the other house insurance payments. However, I still paid my USAA automobile insurance.

My terrible luck continued.

February of 2016, I am in an horrific automobile accident a few miles from home.

I had been volunteering with a local lady to review her medical records & help prepare her medical disability claim.

It was Sunday evening around 5-6 pm. I had just worked on her medical claim for a few hours & then, I was returning home.

Her mother's house was 6.3 miles from my home.

USAA still had not paid for my belongings that were destroyed in the fire.

I was living the best that I could. I was making my USAA payments out of my military disability monthly checks. I was living like no one should have to live. I was paying my bills & living the best I could.

I am single. I have never had an alcohol or drug problem. I couldn't believe that I was being forced to live this way. But, I did.

I had no family in town. I had no choice. I wasn't giving up. I was just doing everything that I could every day to get by. I knew it was temporary. I knew USAA said they would reimburse me for my fire damaged belongings. Any day, the reimbursement money would come. I would be much better off.

I still knew that USAA was cheating me for not covering the house itself which was a total loss because of the fire. I knew it was a fraudulent deal but, it was what it was.

Probably a few bad apples working for a good company...... at least was my thought at the time.

Anyways, that day in February of 2016, I decided to return home another way. It was unfamiliar way. Then, I was hit broadside by an oncoming truck. I was not expected to live but, I did.

I spent 2 1/2 months in a coma. Then one day I awoke at the hospital. I walked out to the nurses station & they couldn't believe it. I stayed a few more weeks in the hospital for tests, IQ tests, etc. Then I was discharged.

My USAA fire claim was the least of my worries so, I put it off.

However, USAA has continued to rake me over the coals. They claimed I did not have car insurance. They haven't paid my medical bills.

The hospital in Michigan has filed a lawsuit against USAA for my medical bills.

I have had such a terrible time that I literally moved out of state.

I have nothing. However, USAA has continued onward to show its true colors. It is not a few bad apples working there. USAA as a whole, is fraudulent.

I believe, at any point, they could have/should have redeemed themselves but, they chose not to.

I have nothing. I will probably be living with nothing but, I am a good person. I don't want anyone else to ever experience what I did. What I experienced over the last year or so, I refer to as my "Hell year".

Excuse my language but, honestly I am sure your language would be quite verbose & quite "colorful" if you had my "Hell year".

"Drama" is an understatement. My life this last year has the content of a blockbuster movie. Honestly, I haven't even told you my "expanded" my Hell year. I have only texted a synopsis.

USAA, needs to be held accountable, for its business & its serious lack of business ethics.

Bad luck, sometimes is unavoidable but, choices are not.

USAA has choose to put me in this position that I feel I must expose them for the frauds they are.

I have had bad luck & I made choices. But, I will not choose to ignore USAAs choice not to help me.

I choose to let others know what was done to me & that they should know that even if they pay their bills & hire a "reputable" company they might end up with nothing like me.

Honorable, 100% disabled, female service member living disability check to disability check & still have nothing.

Yep, I will completely tell all so, others will be fully aware. That they should research a company before payiing their bill.

I believe that legal channels need to explore USAA unscrupulous business practices.

I refuse to allow anyone else be victimized.

  • Apr 27, 2017

TO WHOM IT MAY CONCERN, My name is ANTON MONTGOMERY And This bank has held my funds hostage for 3 days! I just lost a love one and Was trying too get a limit increase so I could pay the funeral home. The limit was increased then my account was blocked by the Fraud team! They asked me too send in verifying documents and I did, multiple time to be exact! Because I'm in a time sensitive situation. So one of the 17 reps that I spoke with was a very rude young lady and she asked me" where you get all this money from" I'm thinking like real.. her not knowing it's insurance settlement from my dad, who died last year. I never felt so disrespected, belittled, borderline criminalist! That's the way she made me feel. This bank has no compassion, loyalty or morals! I NEED TO BURY MY FAMILY AND THEY HAVE ALL THE VERIFYING DOCUMENTS TOO PROVE IM ME, I NEED HELP, I HAD TO MISS WORK FOR 3 days because all my funds are in the bank, then they threaten to close my account or in there words "no longer which too continue a relationship" so why not close my account and send me my check?!? NO TYPE OF HELP! Matthew a Usaa rep, HIS CUSTOMER SERVICE IS HORRIBLE VERY RUDE, SMUG, IRATE! THE LAST REP I SPOKE WITH WAS AWESOME, although my account is still blocked, he spoke with compassion and wanted to help. But it was out of his hands! Am I a victim of financial profiling? I will be contacting some one with authority outside of USSA. To fix this situation! I hate this bank, and if I'm homeless or hurt USAA WOULD GIVE A CARE! PISSED OFF CUSTOMER WITH THE FAMILY MEMBER THAT JUST PASSED AND HE CANT BURY THEM BECAUSE USAA HAS MY FUNDS ON HOLD FOR NO VALID REASON! Anton Montgomery

  • Mar 16, 2017

On the evening of 3/15/05 I went to the USAA web site for an insurance quote. Most sites have you fillout one simple page of basic info for the quote. USAA makes you fill out about 10 pages of info and become a member to get a quote.

I did all that, didn't like the quote and Googled how to delete my non-account, since I have no business relationship with USAA. No WAY ! You have to call. Thenyou have to get jerked around in a horrible voice-response system. THEN THE CUSTOMER REPS JERK YOU AROUND !!! I was told by KELLY (Emp. ID 2378307) in "Authentication" I have to do this and that to have my info deleted and go through verification procedures with information from Credit bureaus and Public records - just to have USAA delete my quote profile.

It meant GIVING UP MORE PERSONAL INFORMATION. They already have SSN, DOB, City/State etc. Why more ? Because they are going to sell your personal information to data miners - as punishment for not buying their overpriced quote and quitting their 'membership'.

I kept telling them, it's late, I'm tired and in pain from a disability just help me and delete the lousy quote profile. No.

Called back and spoke with "Moses" (Emp. ID 3907), a manager. No dice. He said go back and jump through all the hoops over again and they might help me - just to get a freaking lousy quote profile deleted !

These people, KELLY (Emp. ID 2378307), and "Moses" (Emp. ID 3907), were enjoying this "Gotcha" game and kept adding to their demands.

USAA is a bad company - I don't care how much their commercials go on and on about "serving veterans and their families"...that is just a come-on and is IS NOT true. Just for a quote you provide enough information to fulfill any data-miner's or Spammer's fantasies - and they want more to jst delete a lousy insurance quote profile.

Once you're in or a customer of USAA I pity you. Their insurance quotes ARE NOT competitive like they brag about in the commercials - USAA's quote swas the highest,

DO NOT trust USAA, it's employees, agents or assignees. You have been warned.

  • Jan 25, 2017

I am a Service Disabled veteran, so I joined USSA for auto insurance. I loved the slogan regarding veterans and active duty service members. I had both my home and auto policies with USSA. My car was caught in the flooding here in Houston during the week of January 15, 2017. My car was totaled, and USSA made an offer way below market value. I printed the NADA information and showed them. Their response was "that NADA information is inaccurate".

USSA uses this company called CCC One to run their market valuation reports. I reviewed the information provided by CCC One and found their information and methodology flawed'

All the cars listed were several months old

Most of the companies were in small obscure towns with depressed economies. Thus, lower prices.

One company's phone was disconnected

Two companies told me the cars they sold had transmission trouble and were sold "as is". That was reflected in the price.

One company said the motor was bad, so the vehicle was sold "as is". This is why the vehicle was sold for a low price.

I realized USSA was charging me more than double what other companies were charging for home owners insurance. I contacted them and they said that was their rate. I changed companies later that month. I paid USSA $5,5271.00 per year for coverage. My new company charges $1,927.12, for the same coverage.

I believe USSA uses CCC 1 to shield itself from the inaccurate and misleading information they provide. This was USAA gets to defraud its Veteran Customers and their families and claim it was the other person.

  • Nov 18, 2016

I took an auto loan with USAA to purchase a vehicle on April 2015. On January 2016 I change jobs and felt behind payments on my auto loan. I manage to do payments on my auto loan but not the penalty fees. USAA collection would called me every day, sometimes twice a day to ask me about bringing my account current. They will called me and ask me the same questions every day and it din't matter how often I ansered those questions, they will always ask me the same thing avery time. I had to stop ansering the phone because at work I;m not allowed to talk on my cell phone. I explain this to them but they din't care and called me anyway during working houers. I explain when I was going to to a payment and bring my account current. They continue to callem me while I was at work so I resolved not to answer the phone, there is no law that forces me to answer the phone every time they call. I was getting pay on Nevember 18 and that same day they repo my car. I called them and explain to them that I could make a payment in full but they added the cost of towing. I called a close relative to ask for financial help so I could pay everything plus the towing cost. When I called USAA colection the refused payment because the people in charge of that department were already gone for the day. It was only 12:05PM. I explain to USAA how critical was for me to get my car back and that If I answer the phone while at work I could loose my job, they din't care. USAA Auto Loan is a bad choice. Even when I had the money to pay the manage to ignore me and refused payment. This is something that can potentianlly ruin your life, to all of you reading this, don't get USAA Auto Loan or the other products they offer, they don't care about Veterans and Active Duty members.

  • Nov 4, 2016

Like many veterans, I chose USAA for auto insurance thinking that they would provide a good service at a better price than their competitors. Turns out that I was 100% wrong!

I recently bought a 2013 Nissan Sentra SR, good condition and only 20,000 miles. Of course to protect it, I had it insured through USAA (collision & comprehensive). One month after I purchased it, the vehicle was involved it an accident. Although disappointed, I wasn't worried since I had USAA. I mean, the car was damaged but a new front bumper assembly, 1 headlight, a new hood, and some light fender work and the car would be back on the road. Nope!

USAA has refused to allow a body shop to perform repairs-even at a contracted price of $6,500. Instead they are considering it as a total loss and their settlement offer is several thousand dollars less than the fair market value. CCC One has used whatever shady methods they are known for to provide adjustable comparable values for 2 "comparable vehicles" which aren't comparable at all. According to USAA, they were only able to find 2 cars in the whole country that were like mine to compare it to, but both have almost double the mileage mine had or more. The USAA claims adjuster has never once called me, despite numerous requests I've made via phone and email, to speak to him.

The 2 USAA reps I have spoken to since finding out through the body shop that USAA had totaled my car, give me the run around and are unable to explain eactly how their settlement offer was calculated. The last rep finally relented and emailed me the valuation report that CCC One provided USAA. I ran one of the VIN #s for one of the comparable vehicles and found it definitely is NOT comparable to mine. The other "comparable vehicle" doesn't even list the entire VIN#. I looked both of these vehicles up online since the CCC One report includes the dealership where the "comparable vehicles" were/are for sale. Surprise, surprise-no vehicles matching these!

USAA and CCC One are ripping off veterans and that is about as unpatriotic and unethical as you can get. Buyer beware and do some investigating on these two companies before you wind up getting shafted by them!

  • Sep 17, 2016

This company is not like seen on TV!

Remember the old saying you get what you pay for? It is so true with this Insurance Company, you may get a lower rate but you get lower service too. I found that out when I had to get my windshield replaced and wanted OEM glass! They told me No they don't use OEM Glass. that is when I knew I had chosen the wrong Insurance Company USAA Auto Insurance

And God forbiid you have an accident and need work wage loss PIP Benefits you had better have a lot of money saved up from a (cheaper policy rate) because you will need it to pay your bills while your wating for the insurance company to pay! Also you will have to jump through alot of hoops to get them to comply to any state law and you had better hire a lawyer like I did to help get what you are paying for.

USAA hires a Appraisal company name SCA

Appraisal Company used by USAA sub contracters to bid out the auto repairs & under bids the auto repair dealer! They make it hard on all involved. Myself, my Lawyer USAA will not return his calls. The repair service takes 4 days for estemate or longer. Don't be in a hurry to get your car back and if you have car rental, they won't pay if it takes over 60 days my 75 days to repair and way over and you don't get to choose which rental company you want, we must use enterprise car rental.

I drive a Cadillac and I had to drive a cheap Jeep for 60 days ,I checked the oil just to make sure. and found it was 2 qurats low when I got it and they don't have Cadillacs for a rental

A word to the wise pay a little more and get a real good Auto Insurance Company and you won't have to go through what I am going through!

  • Sep 12, 2016

USAA, auto insurance, renters Insurance. Now to buy insurance from USAA you must be a Veteran or your parents or your sibling be a Veteran. This is about to become a XXX rated story. In November of 2015, I had an accident in Atlanta Georgia. Various item from my truck were stolen while they were in storage, Truck was total loss! Several times I attempted to access the truck to get Medicine or clothes. Several times I was told "NO!" In order to get into these locked and guarded lots, you had to pay the tow bill, and the storage bill and then you had to move it immediately, like hook to it now and 'GIT'! Then you can enter and take out whatever you wanted. So 20 days later, I went down paid my $1900 tow bill and got my trailer out of storage.

Immediately I found stuff missing from my truck, the list went on and on. The cost of the loss was about $13,000 for everything that was gone and roughly $1500 in items that were taken from my truck. Items that were New, never used. Example: Firepit/ Nice to have on a camping trip, cuts down on accidentally started fires. A propane Generator, you have to charge your phone, a light blanket to cover yourself in the rest areas, not expensive but it did cost $66.00. They stripped the fuel supply for the generator, rendering the generator useless but repairable, the firepit, it was taken completely, the cargo netting, gone. The bar-b-cue Grill, MASHED!

I made a list, priced the list, provided proof of ownership and they provided me with a check for $2300. Not too bad of a check except the original loss estimate at $13,000! I only lost, Well you do the math. It upset me to know that any company screws over Veterans in this manner.

As for the loss on the truck, I got a check on it for $4400 AFTER I proved to them I had in excess of $16,000 in it. No profit there either.

If you are considering buying insurance from USAA, re-think that idea and then if you didn't change your mind, Re-think it again. Either that or bend over for a loss if you have to use it. I cannot reccommend USAA for anything other than a good substitute for a prostitute. Both will put the screws to you, and with false personal satisfaction or gratification.

  • Aug 31, 2016

I have a savings account at usaa. I recently received a letter dated august 3, 2016 from "usaa, c/o keane, po box 1477, southeastern pa 19399." the phone number on the letter is 888-669-0842.

The letter stated that my liquid savings account was dormant and that i had to call them immediately to prevent the money from escheating to the state. I get many legitimate letters like this, so it did not strike me as strange.

I mistakenly called the phone number on the letter, rather than looking up usaa's phone number on the web. When i called the number, a man proceeded to try to "validate" my identity. He already had a lot of information - my current and former addresses, my daughter's address, the make of my car... And my usaa membership number and usaa savings account number.

We were deep into the call when he asked for my ssn and i provided it. Shortly thereafter, i realized that something about the call was not legitimate and i hung up.

When i called usaa, they asked for the letter. I faxed it. They confirmed that the letter was not from them and that i had been the target of a scammer. They were completely unhelpful and seemed unconcerned that thieves had all my usaa information And, i'm sure, that of many other customers). They had on answers, said they'd look into it and that i should call tomorrow. As if i was going to sleep.

I proceeded to put a halt on my credit reports, plus a fraud alert on all my accounts and change the passwords on most. I filed a police report and a complaint with the ftc. Usaa says that my account is intact and that they are sending me a check for the total balance.

Assuming this occurs, beware:

1. Usaa has and is still giving me the run around. I could not get a human being, no matter how hard i tried. I had to call the texas state attorney general's office, and even they had to give me a trick in order to find an actual person at the bank. That was nearly a week ago. Today, i got yet another person in fraud who told me she didn't have the slightest idea what i was talking about and did not have a copy of the original letter i received. My experience with top banks is that they are all over fraud issues - usaa is literally ignoring the prospect and is barely speaking to me. I'm just praying the check goes through.

It appears that there is a keane company that is involved in unclaimed funds, but - even if there is - these are not the same people. These are thieves and one should never, ever give a ssn over the phone! being asked for one is a major red flag.

  • Jul 8, 2016

USAA Federal Savings Bank takes advantage of its base of docile military customers as well as the general public to offer terrible service and constantly freeze ATM and Credit cards for no good reason and to make it very difficult to get the cards which people like myself depend on unfrozen. USAA uses robo calling, long hold times with frequent disconnects when you do get connected and very arrogant tactics. I have been a customer for years and virtually never have any fraud, yet every time I use my ATM card it is frozen. Frequently my credit cards are frozen. Dealing with the company is awful and time wasting.

if you need good customer service with a credit card, I strongly urge you to use D******* and beware of what to expect if you use USAA. This is not an anonymous post USAA. I want USAA to know who posted it. My zip code is 33157.

Mark Cutler Bay Florida

  • Jun 25, 2016

Be careful they do a bait and swich on their auto loan rates they say you have excellect credit then raise your rate after you apply I feel a bait and switch is very bad for a company this size and create such Fraud. Shame on them.

  • Jun 20, 2016

I never bank with USAA. they emailed me that my account was locked. i am really pissed off right nor no account with USAA why they are telling me that the account is locked. this is not right the only emailed that i received is from regular bank not USAA. i lived i California not Texas. how they got my emailed address? this is impossible.

  • Jun 9, 2016

It's been I received some checks from ITOCHU CORPORATION, they were rejected, bank fees were deducted account closed with my money still in it.

I came in contact with this company ITOCHU CORPORATION, i received some checks, mail the check to USAA bank. The checks never posted, however, bank fees were withdrawn from my account. After the bank took their fees, my account was closed and i no longer had access to view my account. How have presently $4910.11 in this account and the bank is telling me the money does not belong to me. I've been receiving monthly statements about the account and it remains the same. I have contacted the IRS to levied the account, but the account is now frozen. I don't know what else to do, i can't afford an attorney i just want my funds so i can pay off my IRS debt. I did speak to someone in the security office almost two years ago and she was only talking about the checks and i will accept another check from nobody. They didn't have to close my account. Just want my money.

  • Apr 11, 2016

I made 2 payments towards 2 of my USAA credit cards on Saturday, April 2. They both cleared my bank on Tuesday, April 5 bu have yet to post to my accounts! On Friday, April 9 I called to follow up about why my payments have posted and they told me it could take up to another 5 days! But when looking at my accounts on the web site it doesnt even show "payment pending" but instead "completed"! In addition, its Sunday and there is no one available to talk to about this matter (again) until Monday, April 11. What credit card companies dont have someone available 24 hours a day?

  • Mar 17, 2016

I was walking across the street and a car hit me on my body. The driver of the car has USAA insurance. I contacted USAA by telelphone and by certified mail requesting to file a claim. The representatives at USAA refuse to allow me to file a claim nor will they provide instructions to do so. Now the representatives are harassing me by calling me daily asking me questions that i have already answered.

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