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USAA Customer Review

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jessicakoonts's Profile Image

1 out of 5 marks

Reviewed by jessicakoonts

Oct 3rd 2012

Terrible experience, treats customers like a number

I have been with this bank for four years and let me tell you they have never been there for me! First they lost my signature card so I started geting backup withholding, I called the IRS and they told me they never authorized my bank to take backup withholding....guess what it took them two years to correct the problem. Next I had my car insurance through them and instead of it going down (never got a ticket or accident since using them) it went up! Their excuse, Texas changed their requirements, but after two years I still should have seen a decrease. Next, I applied for a loan as a private (lowest rank in the army) and of course I was denied, but four years later with a perfect banking record and stable accounts and they still denied me! They won't approve me for a credit card nor any type of loans, how am I supposed to buy a home or build credit when my own bank of four years won't even give me a chance!! Oh and the icing on the cake, I got back from a deployment and needed to buy a livingroom set that went over their spending cap, I called to lift my limit and the rep told me that maybe I should just wait until tomorrow and that it wasn't her job to give me access to MY MONEY! So, now I am searching for a new bank and I am super excited to take my money out of their bank!

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Other USAA Reviews

5674's Profile Image

Reviewed by 5674

Apr 22nd 2014

2 out of 5 marks

Credit card balance transfer, despicable!

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, damn!

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!

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incognegro's Profile Image

Reviewed by incognegro

Jun 13th 2014

1 out of 5 marks

Crooks and criminals! Run now! You've been warned!

I became a USAA member when my Air Force Reserve recruiter recommended them to me. It seemed legit and I had a great experience with them for the first few years.

Then about three years ago, I had bill-pay setup and then they started retroactively bouncing my checks. When I called to complain, they said that the checks were drawn on the account on the day they went out, which completely defeats the purpose of automatic bill pay! I said " screw it" and cancelled my bill pay; I could pay my bills myself without the extra worry of USAA randomly changing bank policy just so they can get a few extra dollars from me in NSF fees. No muss, no fuss.

Then last year, I wrote a check to pay my rent while I was on TDY. I was already late when I paid it because USAA also had a new policy of retroactively bouncing physical checks that I would personally write and mail in to my leasing company two days early. I didn't make a stink about that, even though I hated that I couldn't trust them to do the right thing. But this time, I waited till I got paid, wrote the rent check on Friday (the same day I got paid) and went about my weekend. On Monday I got a call from the leasing company that I would be evicted if I didn't pay my rent. I checked my account and sure enough they bounced my check even though there was more than enough money to cover it. I called USAA and there was no explanation given. I demanded back the NSF fees and the $50.00 fee my leasing company charged. The lady I spoke to was nice enough to give me all that back, but the damage was already done.

If I can't trust you with literally the most valuable stuff I have: my money, then I want nothing to do with you. USAA made me look like a deadbeat to my leasing company and put a mark on my rental history.

If you value your credit and your money, you should steer far away from USAA. I have been telling everyone in my unit that USAA is a ticking time bomb waiting to blow up their lives. Run!

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