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 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.