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!
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.