MyBankTracker rated USAA based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank.
I've been trying to get a truck cause I need 4 wheel drive because of where I work so I applied for a loan because I have their insurance and a checking account with them so I figured they'd help me since they have been for a couple years and cause they say they help us military folks anyway. So I got approved for a loan up to 7800 dollars so I go to get a vehicle for that much and they so well we can only give you 6500 and told me they only finance 80% of the cars value so I found another vehicle for 8900 and asked if they could raise it to that and they said I'd have to send in a bunch if stuff and I told them I didn't wanna fool with it and told them just to give me the 7800 and I'd pay the rest with my money and they made up. Some bs excuse why I couldn't without sending the stuff in so I sent it in and got denied so I'm stuck with a car that's about to fall apart cause I can't get no financing. I went to another bank called pioneer services, its for military, and they said they accept any kind of credit and then denied me. So because of banks screwing be over I might lose my job if my car don't hold on too much longer.
I've been banking with USAA for years and never pass up an opportunity to praise them. Great customer service, great rates (on everything but savings accounts), and always a great experience.
I have automatic insurance payments set up so when I checked my account on the 15th and didn't see any money taken out I decided to pay manually to avoid any late fees from them messing something up with the payments.
Turns out the payment went through, so last friday I talked to a representative who told me the money would be back in my account on monday. Monday rolls around and sure enough no money and my account is overdrafted because of this. I talk to another representative who waives the Over Draft charge and she tells me that the representative whom I spoke to on the phone on friday never put in my inquiry for the $142 to be put back into my account, that they had charged me twice for. So she tells me that it should only take a day or two and the money will be back in my account. Well sure enough, again, this morning Tuesday, April 21, I wake up to find my account over drafted AGAIN and no sign of the $142.
They decided to bill me for something as my account was already negative, causing another over draft. I attempt to talk to billing again and I got hung up on.
Called back and I asked to speak to a supervisor and was not granted this request (there was no supervisor around they said). So now I am told that I have to wait until Thursday for the money to be back into my account all the while my account is Over Drafted. I have no money and I'm about as upset and disgusted with this so called bank as one can imagine.