The Most Helpful USAA Reviews
The most helpful favorable review
Bank is Great, Other services NOT SO!
So, we've been banking with USAA for seven years, absolutely no problem, one issue which was taken care of promptly. We see all the one stars and assume that most folk don't take the time to post positive reviews, but when feeling scorned, post. Now, as for USAA's insurance, VERY BAD, uses credit scores to justify high fees rather than driving and claim records. Credit cards, VERY BAD, declined us a card when Bank of America and HSBC granted us credit.
The most helpful critical review
Steals Money From Victims Of Fraud
They won't accept police reports and even if you send one in they refuse to read it. False advertising of protecting veterans and soldiers.
Latest USAA Reviews
1Reviewed By 11lacy951 Apr 20, 2016
Horrible Service that I make a point to tell anyone I can about
I have been a member of USSA for 8 years now. They are HORRIBLE people. I had insurance thru them ( I canceled as soon as I could). I never had to file a claim so I didn't have issue with them but canceled because of the Horrid service in Banking and credit card services!!
With banking they have an ungodly "hold" period. I bank with two other banks and have Never had that issue. Not to mention they talk down to you like your 12 when you ask about it and NOONE cares or even tries to listen to you. My breaking point was when I changed bank account information thru my work. My paycheck went to another bank but was put in by payroll incorrectly so my paycheck was delayed by 2 days. I called USSA to inform them and ask for a two day extension. She informed me that she MIGHT be able to transfer it from another account I had but she had to place me on Hold so she could see how and if she could do that, I was on hold for several minutes and the phone disconnected . At this point I had been on the phone for a while and had to go and pick up my children and thought I will just call her back. The following day for whatever reason, my paycheck was deposited before the two days so I just transferred the money and paid my insurance that way. The NEXT day I received a letter stating they withdrew the money from the other account...WITH OUT MY PERMISSION and would NOT return it. Just because we discussed my issues did not give her the ok to do that! Especially since the phone hung up. I called and tried to explain and they said they would "investigate" but pretty much it was FUCK you mam we got our money so Bug off.
The credit card is joke and if you ever have to talk to them make sure you take the day off from work because you will end up talking to 5 different departments and end up with nothing being accomplished. I have a credit card thru them and soon I will have it paid off. I CANNOT wait to be done with this company!Is this review helpful?
VReviewed By victim1 Apr 15, 2016
Financial predators; NOT the same company it was even 10 years ago
I've been a member of USAA for over 40 years and received outstanding service until about 10 years ago, interestingly about the time it began advertising on TV. They used to be amazing, polite, trusting and competent, going out of their way to serve the unique needs of the military members they were designed to serve. But things have changed drastically. A few years ago when I was very ill my wallet was stolen and identity used. I had to change all my banking to USAA and spent hours on the phone with them about their incredibly poor bill paying service. Reps spent hours viewing screens with me showing confusing and contradictory information making it impossible for me to see how much I really owed. I was so worried about getting behind, but spent so much time on it that I didn't review my credit card bills to see they were being maxed out!!! I didn't receive even ONE call from USAA questioning why my spending at increased 10 fold and I was maxing cards out in a way never done. They didn't question $4000.00 airfares, thousand on gas and groceries or out of state charges. All they did was say that I didn't report it in time and I owed the over $50,000.00 in credit card debt, INSISTING that they had and used fraud software. This of course couldn' t have been true. I'd had my finances with Pentagon Federal Credit union for 40 years as well and frequently had cards declined for out of state charges, and received calls immediately if something didn't seem right. I'd never maxed out a card nor had large balances BUT USAA has seen all of this as a huge source of income. It was a one time happening; my 40 years of excellent credit meant nothing and they showed no loyalty to members. It in my opinion and experience is the worst, most unethical, dishonest, and unreliable financial institution around and should have its privileges revoked as a financial institutionIs this review helpful?
SReviewed By Solbakken Apr 8, 2016
Came home yesterday to a notice from USAA bank. First off, I have never had an acct with this bank and never attempted to even open an acct. I am quite satisfied with my bank and have no desire to leave them. Anyway, this notice had my name as well as the name of a Michael Sergio and it was a notice of overdraft ($2993). Obviously I am a victim of Identity Theft as this person used my social security number to open a joint account online. USAA bank opened this account without ever obtaining any identification from me - no photo id - no signature card. The rep could not give me any answers as to why this acct was opened without proper ID!Is this review helpful?
DReviewed By dillond Mar 18, 2016
Bank is Great, Other services NOT SO!
So, we've been banking with USAA for seven years, absolutely no problem, one issue which was taken care of promptly. We see all the one stars and assume that most folk don't take the time to post positive reviews, but when feeling scorned, post. Now, as for USAA's insurance, VERY BAD, uses credit scores to justify high fees rather than driving and claim records. Credit cards, VERY BAD, declined us a card when Bank of America and HSBC granted us credit.Is this review helpful?
VReviewed By Vicky77 Feb 19, 2016
Avoid this bank
Worst bank ever. Had to deposit payroll check through ups store as there are no local usaa bank branches. They put an 8 day hold on payroll check.. They refused to release the funds and subsequently bounced checks that came into the account after we deposited our payroll check. The solution they told us to take out a loan. Horrible customer service. Will be moving our money out and telling our friends and family about their poor service and terrible solution.Is this review helpful?
DReviewed By Dens333 Feb 6, 2016
$500 to open a new checking account!
USAA offered me $500 to open a checking account and make 2 deposits totalling $500 by end of Dec.I usually avoid wasting my time with these 'bait' offers as I've received so many of them from all over the Internet; they're just so scammy!
I figured - hey, I've been a USAA member for 20 years and I've even got my three adult children to bring their business in, so this might be worth looking into. So we opened our checking account. And why stop there, we also opened a savings account and an investment brokerage account. My wife changed her work stuff and had her pay go directly into the new savings account.
We even transferred money in and bought some stock! So they wanted 2 deposits of $250 by December which we exceeded. And in total we moved several thousand dollars through our new USAA accounts since Nov. But when I called to inquire about the $500 (spending more than 2 hours on the phone and rerouted to 4 different departments) Lori from the Executive dept told me that we didn't setup the deposits correctly and since it was our fault, too bad, so sad, there's nothing that we or they would or could do about it!
I knew it was scammy but I really didn't expect this from them!So we plan on closing the USAA accounts and go back to our old local bank; should never have changed to begin with...Is this review helpful?
DReviewed By DD75 Jan 20, 2016
I have been with USAA for more than 25 years while in the military and now as a federal employee. One will think with that customer loyalty USAA would be there to assist members when they need them? Wrong. I recently applied for a loan to assist me with paying a couple bills after my divorce, they denied me. So I figured what's the use in being loyal to a bank if when you need them, they are not there for you. I had heard other horror stories but refused to believe them until my experience, now I am going to cancel my direct deposit and go with Chase. Thanks for nothing USAA.Is this review helpful?
KReviewed By ksmith8 Jan 16, 2016
USAA treated me and my children horribly after my ex military husband lawyer sent a false document in the process of our then pending divorce concerning our shared account. I was shocked considering I am a qualified veteran as well and with no supporting evidence or court orders. I was taken off no questions asked with over 10+ years of banking and auto services with USAA since my military career. When I tried to reopen I was told no reason was given but I was unable to open an account with them again. I am thankful for my experience because I have been happy with the credit union I am currently with every since. I would no recommend anyone to this bank or auto services you may wake up and have your account closed with no reasons and no answers.Is this review helpful?
CReviewed By ChrisFriend Dec 13, 2015
USAA Facilitates Victimization of disabled Military Veteran.
After receiving an honorable discharge from the Navy and being sent out into the workforce as a Disabled Veteran I had a really hard time finding a job. I later learned that job seekers are often preyed on by con-men.
I was the victim of a con. I was offered a job that required me to complete a month long training program. After the training the company then had me conduct product research for purchase for a client. Once research was completed they transferred me funds and had me purchase the equipment and ship it to the client. I was skeptical to put a large purchase on my CC Which was already at its limit so I called USAA and inquired on my questions. I was informed that USAA could not change my card’s available credit without my permission, so given the the card was already maxed out it would be impossible to take on additional liability. I was also advised that once my card received the funds and the funds were cleared by USAA that the funds were safe for spending. After speaking with USAA I felt confident moving forward. The funds were then deposited into my account and cleared for spending. I executed on the purchase order and sent the items to the client of record on the purchase order. Two days later the funds were somehow virtually pulled back off my credit card and my card was left overdrafted by nearly $7,000. When I confronted USAA they informed me that they don’t know how the funds were able to be pulled out once they were in and cleared. Also they did not raise my credit limit, but rather they allowed the card to be overdrawn by nearly double it’s available limit. They apologized for the inaccurate information they provided and said they will not help with any of the liability, and additionally they will not even help restructure the debt. I’m now stuck with a credit card that is overdrawn by $7,000 (double the card’s limit) without a job (the whole job was a con), no assistance from the bank and no way of paying. USAA provided me bad information, which led to me being victimized.Is this review helpful?
CReviewed By Cmo1991 Oct 30, 2015
We a retired military family. I thought USAA was known for helping military families. We asked for help in September 2015 with moving expenses through a small personal loan for 1st months rent and deposit plus U-haul truck expense. We were transition between jobs. We saved money for bills etc but had to use this money to pay for moving. We knew our credit rating was .the greatest and income was low due to transitioning. NO LOAN APPROVED. Now we are so behind with everything even our USAA insurance. We are close to losing insurance-which will cause us more problems. We are struggling to keep food on table and keep gas in vehicles for getting to jobs and interviews. My husband does not get his 1st paycheck until November 15. Plus I have not found a job yet.
If they would have given us some help with moving expenses (we would have taken a higher interest rate)--we would not been this behind on regular bills and our credit rating will not be getting worse. All we wanted was a $5,000 loan. Now it will take months for us to catch up.
VERY DISAPPOINTED MEMBERIs this review helpful?