I took the bait when USAA sent me a offer of low credit card balance transfers, so I transferred my high rate cards. What I did not know is that after a short promotional period they would treat the balance as a cash advance, big bucks as we all know. I now pay more than before I transferred my balances! . So I asked if I can pay off what they considered "cash advances" separate from my regular credit card balance, NO!!!!
I take full blame for not getting out my microscope to read the entire journal (agreement) but, dammmm!
So, don't buy into all the "we help military personnel and their family's" crap. Your better off with Capitol One or other major credit card companies who don't go waving the American Flag while they give you a financial enema!
USAA was always good until I had to file bankruptcy. I am trying to set up a transfer to a different bank so that I can transfer funds there. This is the third transfer that I've set up with USAA, the first two I did not require documentation and now they have to mail me a paper just for me to send back in for them to do this.
One representative told me it was U.S. Bank that was requiring this documentation and the other representative was telling me that it was USAA. Which is it USAA?
They cut off access to the website because of the bankruptcy and now I can only access it on my cell phone or the mobile site, I have no idea why they would do this?
I love their car insurance but I think their bank sucks!
The only reason I bank with them is so that I can receive my paycheck early. Beware if you bank with them and go through bankruptcy, they will treat you like a redheaded stepchild after that.
You can't deal with USAA without feeling like u need to check yourself into an anger management program. I literally complained yesterday and realized today that they messed with the services on my checking account.
They aren't the most affordable for insurance and loan rates contrary to popular beliefs and after they believe they have you in with a loan the customer service then goes to hell. I guess they mean that you literally owe them so they no longer care to be professional or competitive.
If I had any doubts about switching to Navy Federal they erased it today with their rude customer service. I'm going to be working double time to pay off my loan just to get rid of them.
Been with these folks for 46 years. The rates may be a bit lower with other folks, but most don't take into account the subscribers share savings account which accrues money every year we have had it.
Except for a claim for a totaled Olds Diesel in 1985, I have never had a problem with repairs and the warranty that USAA provides. The diesel incident was resolved but it took negotiation and waiting out the Colorado adjuster. The attorney was paid by USAA as there was a court action in Louisiana but USAA stood behind us all the way. We only paid out our deductible ($50.00).
Now with the internet, jpg, pdf and the like, things get taken care of quickly. It is also good to get other bids, but we have found that the USAA recommended shops are the best anyway.
Their policy service folks are top notch and know all the options and work to keep your costs the lowest for your situation.
Disclosure: We have never been USAA employees. We are both career retired line naval officers who have lived in California, Louisiana, Pennsylvania, Montana, Washington State, Oregon, Rhode Island, Florida, Viet Nam, Saudi Arabia, Philippines, Japan and Guam.
There was only one time when USAA didn't cover us. We didn't own anything worthwhile when oversees. But we have been members all the time. Our daughter, an executive in a Fortune 50 (yes 50, not 500) company is as well.