I have had them for about a year or so. They seamed like a good bank so i got my auto insured trough them as well.. I called a representative and asked for full coverage for my vehicle, i said i want it to cover everything they said ok and i was good to go... One year later Veterans day i was driving form Tennessee back home only about 10 hour away when i get a flat tire mid way home and in a no where town... No big deal i have full coverage.. i use my USAA insurance card and tell them i need a tow truck, there reply was sorry its not covered by your insurance..... Thats How i spend my Veterans day 2011 stranded in a town with no where to sleep.... yes, i am a veteran...
After being a member in good standing for over 20 years I have now lost all faith in this company. My ex-wife defaulted on a debt that we jointly opened while we were married while I was stationed overseas. Rather than contacting me about this USAA chose to lock my online and account access. After 10 phone calls where I have to wake up in the middle of the night and spend over an hr each time on the call they still are doing nothing to help me. All their services and contacts are based on you being able to login to your account, which is locked in my case.
They are a great company if you live in San Antonio. But as I have learned the hard way they no longer value military members or work to help those that are overseas. Avoid them at all costs. I am moving everything to another bank that at least will talk to me like a person and not put me on hold every time I call.
I recently received a couple emails from USAA regarding an account trying to access our checking account.
1.) was at first confused, but USAA confirmed that the emails were from them: I thought it was fraud because of obvious misspellings (shows their lack of detail)
2.) Found under "manage accounts", who was trying to access my account fraudulently. I called the fraud alert number from USAA. Spoke first to James.
a.) was disappointed to find out that there is no fraud department for overall accounts, only for debit and credit cards. This fraud was trying to take money from my checking, and USAA does not have a department to combat that!
b.) Further spoke to James, who said that on his end, could not see who was accessing my account, even though I could see it. I told him exactly where to find it under "manage my accounts", but he said he didn't have access to it. Can you believe this? The fraud dept does not have access to who is accessing my account - even though I saw the guy's name and his account number from my end!
c.) Asked James to speak to his manager. 10 minutes later, spoke to Valerie, his manager, who said that she did not have access to the screen I could see the fraudulent access-or of my account. Again, I can see clearly on my end who is trying to access my account, but the manager of the fraud department cannot see it or help me. She only said that she can transfer the info to the fraud alert dept to put my account on alert. I asked her what that entails and she said that she "doesn't know. really reassuring! She then tried to transfer me to the checking dept. and I was hung up on during the transfer. Nice!