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DO NOT Use USAA VA Loan Service!!
Posted by on
Rating: 1/51
SAN ANTONIO, TEXAS -- My husband and I have used USAA credit card services in the past. They have been remarkably wonderful to deal with. However, we, like others, because we had such a great experience with USAA prior, tried to finance a home via a VA loan.

This has been a nightmare for us. We realized in advance, the process would require a lot of documentation. We jumped through hoops to get our mortgage processor everything she required. But the data requested came in Bits and Pieces. Everyday she was requesting something new, never just one whole list of things to fax or mail. We spent well over $100 faxing and re-faxing information(because things were lost). I finally had had enough and let her know about my frustration. She admitted to my husband and myself via email that she was only in this position for 4 months and is trying to learn as she goes along. OK, we understood that and I did feel some empathy for someone learning the ropes. I've been there myself.

Here is one example of something ridiculous that not only the mtg processor is questioning but the underwriter as well: We had to have a termite inspection. Termites were found. The company we hired who was wonderful(BIOTECH) came out and treated the small area affected. The technician gave us all the data we needed to provide to USAA. The documentation from BIOTECH was page numbered 'page 1 of 5'. We had pages '2 of 5' '3 of 5' and '4 of 5'. Page 5 is just a warranty should the homeowner choose to pay extra for the warranty. There is NO NUMBER on that page! We have been questioned over and over. I even called BIOTECH and they faxed USAA every piece of documentation regarding our home. They even said they would have the owner of the company hand write a letter to USAA for us stating that all documentation was provided for them. BIOTECH asked what mtg company we were going through because they have NEVER EVER had this much of a problem before and BIOTECH has been in business for many many years. So the mtg processor finally sent our file to the underwriters. Now as of yesterday, we hear that the underwriter is questioning the BIOTECH termite inspection and the lack of 'page 5'.

To say we are pissed off is an understatement. The above incident is just one of many incidents that we have patiently dealt with regarding the USAA mtg loan.

In closing, we still don't know if we are going to be approved for our loan but are seriously thinking about telling them to stick it where the sun doesn't shine.

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BigAl on 03/07/2013:
Biotech should have put the number 5 on the 5th page. Underwriters are paid and trained to be thorough. What I find interesting is that you stated that you hired the termite company. I would think the seller not the buyer would have done this. When a house has termites their extermination is only one facet of the problem. The damage done by the termites should also be assessed. If I were in the process of buying a home and termites became a factor at the least I would be back at the negotiating table. It has to devalue the worth of the home. If you do obtain possession of this home you should also have future termite inspections done.
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USAA Has Really Gone Down the Tubes
Posted by on
Rating: 1/51
SAN ANTONIO, TEXAS -- It has been eye-opening seeing the negative comments about USAA on a number of financial services fora. I’ve been with USAA for 33 years, never a late or missed payment, never an overdraft, and I think my last and only automobile claim was for a couple hundred back in 1982. When you look up “low risk” in the encyclopedia, it has my picture… Anyway, I am one of those who was always singing the praises of USAA over the years and I, too, ignored the warning signs of a formerly excellent organization that got too big and started chasing too many higher risk customers to the detriment of the former core customers. I’ve had two extremely negative experiences this year, one with Mortgages as I started construction of a new home, and later with Property Insurance as I tried to insure it. In both cases, it appeared that the decision makers have been moved behind a wall, well insulated from the annoying customers, protected by 17 layers of middle management, not one of who is empowered to actually make a decision. Essentially, USAA left me standing at the altar twice in a row on this real estate deal, and that’s something I can’t forgive. I have begun the process of moving all my USAA business — banking, credit cards, auto / property / life insurance, investments, you name it — to other firms. After 33 years. I thought it was just me. But I see I am not alone when I look at all the reviews around the Internet instead of just those cherry-picked by USAA on their site...
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bcd on 12/02/2012:
As a very satisfied USAA customer I would appreciate details beyond "USAA left me standing at the altar twice in a row on this real estate deal" to assist me in evaluating my relationship with USAA.
bobtuba on 12/03/2012:
OK, you asked for it. ;) I did mortgage pre-approval, filled out all the forms, etc. for our new home. This builder didn't use construction loans, instead, he builds your home on a lot owned by him and sells the whole thing at closing. All along the process, the mortgage people at USAA kept saying yes, yes, no problem. The builder purchased the lot we wanted, the plans were complete, engineering analysis done, etc., and he was ready to start. The last thing he needed was a so-called "plans and specs" appraisal for his own security -- to be sure the house would end up being worth the loan value to avoid difficulties at closing, at which point the appraisal is updated to reflect the actual construction. USAA told me they didn't need a plans and specs appraisal, only one at the end. I explained to them (again) why this was needed, and after weeks of back and forth, they finally ordered the appraisal (I paid for it). Then, after more weeks of delay and no communication from them, I rattle the cage to discover that underwriting had disapproved the appraisal (reason: construction not complete!!) and that was that. All my attempts to talk to someone who could make a decision instead of look at a cookie-cutter checklist were thwarted. I had to scramble to arrange financing elsewhere, at an institution where they understood this simple builder's requirement.
I was going to insure this house with USAA. I previously had a FL policy on another home that was sold. Their rules are you can replace a FL policy with another one for your principal residence within a year. Because of the construction delays, partly caused by USAA, the house was not going to be completely finished within that one year timeframe. I called them months in advance to talk about this and said I was willing to start the policy within the one year even if the house wasn't finished yet. I was reassured every step along the way that it wouldn't be a problem, they would either start the homeowner's policy in time, start a builder's risk policy and convert it to a homeowner's upon completion, or waiver the one year rule. Fine. Everything was fine until it came down to actually doing it. I called to start the homeowner's policy, which was issued and immediately retracted -- disapproved by underwriting (reason: home not yet complete). As I tried to explore the other options suggested to me earlier, all of a sudden I was stonewalled. People bald-faced lied to me repeatedly through this process. Once again, I scrambled to secure insurance elsewhere.
Essentially, in both cases, they said, "Yes yes yes," until such time as they needed to actually deliver something. And then it was suddenly, "No, and don't bother us, we can't help you."
I hope that answers your question!
J Fernandez, Col, USAF on 01/05/2013:
I am a 50 year member, have all insurances, annuities, etc, with USAA. I agree one hundred percent, USAA has gone down the tubes! Does not even resemble to excellent service of the past. I have found that they hire project managers, consultants, who are NOT qualified. USAA has ZERO project managers who are educated and certified PROJECT Managers. They hire consultants who will work for 1/4 of what USAA would be required to be competent salaried staff. Enough said. I have transferred to Randolph Brooks FCU and SSFCU.
T Unit on 03/29/2013:
Unfortunately, it is gratifying to find comments reflecting the true state that a formerly great operation has sunk to. I agree and share my dismay at USAA becoming the same type of operation that the civilians have had to contend with for years. Lawyers, taking on non-military clients,grand general office buildings, high-paid (retired general) executives, etc., have bloated the operation, driven up expenses, and forced them into playing games when it comes to claim processing.
Their banking setup leaves a lot to be desired, too. Many promises, but not so many successes.
So telling is that members have to use sites like this to vent. Although USAA claims to want stories and feedback, they instantly screen and terminate entries that are deemed negative.
younas n on 06/24/2013:
I sure wish I would've read these type of reviews on USAA before opening accounts with them. I regret ever thinking that USAA would be a great institution to do business with.
Pesimist on 07/30/2013:
Yup - I'll have to agree, USAA has gone down the tubes. Not sure why, nor do I care. After 31 years with them, decided to move my brokerage accounts, bank accounts, and most likely insurance to other competitors.

It's a shame because I really like their online banking but, the bad outweighs the good.
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Total Loss Cheats
Posted by on
Rating: 2/51
NEW ORLEANS, LOUISIANA -- When my car was declared a total loss, the total loss department offered me about $3000 below its estimated value by using CCC One (CCC Valuescope previously) Their long report made it seem like they had really calculated the value of my car, but most of the info in the report was not specific to my car. And they use the wholesale value dealers can buy the car for as your value of the car.

Even USAA's used car purchasing program had used vehicles similar to mine for sale for $6000 more than my offer (less offset of $2000 for mileage on my car which would make mine worth $4000 more than offered) When I asked for supervisors name, their answer was "what for?"

I did get the supervisors name and called him and left a voice mail. The original adjuster called me back and asked if I was ready to settle. This department steals from customers/ they like to call them members by trying to force a settlement.
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Bill on 08/25/2012:
As much as I hate to say this -- Get a lawyer.
The insurance companies will screw you.
Outsider on 08/25/2012:
They did the same to me. After so long if you don't take what they say, you have to get your totaled car out of the wrecked car lot or pay storage fees. No matter how much you know USAA is screwing you, it makes you take the offer. I hate USAA!
Scott on 08/15/2013:
I am going through that right now with them. My truck was stolen, and they are offering $3k less than THEY said it was worth. How did you get what was owed to you? Did you get a lawyer? I have been a customer for 17 years, not any more. I am switching over to GEICO!!
Mike on 10/26/2013:
going through this right now with USAA. they are offering me $3000 less than kbb and about half of retail value. even went as far as to give me two "comparable" autos sold nearby that don't actually exist
GE on 03/17/2014:
I'm having the same problem with USAA right now, too. It sounds like I'm 'lucky' they're only cheating me out of $1000. The CCCOne report lowered the value with a few left field, super low value cars that have little in common with my damaged one.
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Inconsistent customer service and misleading credit card application
Posted by on
SAN ANTONIO, TEXAS -- I am a non military person joining USAA
Read some great online reviews about USAA and I was interested in their insurance products.
Opened account via there telephone customer service. The customer service agent said that being non military I can use USAA savings and some investments. However, if I have a military direct relative, ( i.e. parent, alive or dead) and could provide their SS number I could have full access to all USAA servvices. So I am off to look for dead fathers SS number.
OK I signup thinking I will get relatives SS number from old records etc.

5 days later. I apply for a credit card. I talk to USAA credit card representative who gives me range of credit scores needed and says I am in ranges for approval. She then says if I should get declined we ( her and I) can work directly with underwriter to review the issues causing decline.
I apply and get declined. She says she is going to talk to underwriter. I suggest they pull other CRA besides equifax, ( I have over 748 FICO on Experian but 655 vantage on equifax). She puts me on hold for 10 minutes comes back and says she is connecting me to another person who is going to help get me approved again I go on hold for about 10 minutes and....
then the line picks up and I hear a PRERECORDED EQUIFAX MESSAGE OFFERING TO SELL ME MY CREDIT REPORT FOR $7.95. I hang up.

I call get a new customer service representative on line and I describe this situation. He says-
a. USAA underwriters never reconsider applications and he is unfamiliar why the prior representative would tell me that
b. USAA will let non military people join and get full benefits but they have to have a direct family member that is both military and a current USAA member.

Conclusion- I appear to have been mislead on account signup and credit application. I was going to USAA to get the benefits of a credit union that cares about its customers. Well I was wrong and judging by the growing number of negative online reviews I should have done more research before being involved.
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Alain on 04/30/2011:
Good conclusion about doing some research prior to signing up with a company. From the sound of it, they were giving you a dog and pony show.
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Poor to No Service after USAA Insured struck my vehicle
Posted by on
SAN ANTONIO, TEXAS -- I was 400 miles from home, when an inattentive drive slammed into the rear of my vehicle. This occurred about 4 pm on a Friday. Why waiting for police to arrive, we exchanged insurance information. I took photographs of the vehicles before being moved and afterward, photographs of damaged. The other driver was insured with USAA. I called USAA to verify the coverage was in effect. USAA refused to verify, but took my information. The following Monday, I called USAA to verify and again was refused. USAA asked me to take my vehicle to their service center (vehicle was drivable but heavily damaged) They told me I could take it to their service center I week from Thursday. I explained that I was 400 miles from home and was going back home on Wednesday and asked if there was a service center in my home town. No there was not. I was then told that if I wanted my vehicle repair, I would find a way to get it to their service center. I told them that was not feasible, and the reply was "That's your problem."

I arrive back home and took my vehicle to my body shop. I called USAA (and recorded our conversation) and advised them where the vehicle was, they said they would send someone out, but never did. Three weeks later my vehicle was repaired and I picked it up. USAA, denied the claim, because I did not take it to the center they wanted me to and did not take it to the body shop they use and did not get approval for the repairs. I paid for the repairs $5500 and the rental car ($1000) I then, had my attorney sue both the driver and USAA. The driver was upset at being sued and even more upset and USAA for not protecting him. The driver then contacted his attorney, who sued USAA.

The depositions were fun. USAA hired local counsel, who showed up for depositions. What USAA told him and what my documentation, unanswered letters and recorded phone calls reflected were two different stories. USAA's attorney was pissed that USAA withheld evidence from him. The final result, USAA was assessed by the court and amount equal to my repairs and rental, plus interest (took almost two years to get to court) all my legal fees, and was assessed an additional $20000 in punitive damages, which under the deceptive trade practice law was automatically trebled. Result $6500 in actual losses, $60,000 to me and $26000 to my attorney.

The other driver won his suit against USAA for failing to defend him and breach of contract. I sure that was settled quite handsomely as well, for both the driver and his attorney.

I fail to see the reasoning why USAA preferred to put out in the neighborhood of $100,000 just to deny responsibility for a $6500 claim.
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saj80 on 12/17/2010:
I have said this before, and will say it again: why do people insist on trying to resolve claims with someone else's insurance company? You should have contacted your carrier immediately and let them handle everything. Unfortunately, you have made so many mistakes now you may be out of luck, unless you want to try suing the other driver personally, which isn't very convenient being 400 miles away.
momsey on 12/17/2010:
Did you actually get the money from USAA?
leet60 on 12/17/2010:
+10 saj80. Anytime you contact the other person's insurance company directly you are asking for claims to be denied or lowballed. In the obverse if they are contacted by your insurer, they know well that the insurer knows the game and has attorney's on staff if they want to fight.
clutzycook on 12/17/2010:
When I was rear-ended 3 years ago, my agent told me I had to call the other guy's insurance company and deal with them myself. Being inexperienced at the time, I did. Fortunately, they were nice about it and took care of me quickly (the car was declared a total loss and the settlement was enough to pay off my car and a bit of a down payment for a new one). If, heaven forbid, I ever get into that situation again, I'll know what to do.
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Poor service originating a mortgage-missed closing date
Posted by on
SAN ANGONIO, TEXAS -- We have had two experiences with USAA Mortgage and it is the most recent that is prompting this review.

Despite fulfilling every request USAA made of us in a timely fashion AND modifying our contract with our seller several times to conform to their requests (needless and redundant requests, accordingly to our real estate attorney), USAA caused us to miss two closing dates and we no longer have a contract. At one point they asked us why certain monies had not transferred--monies that only transfer at closing-a closing they caused us to miss! It is clear that they do not know what happens at closing.

They do not know what they are doing, take days to answer phone calls, and at least in the mortgage services branch of the bank, DO NOT value customer service.

Several years ago I financed a condo through them and was told by my real estate agent that the title agent found them hard to work with. I blew this observation off, because I was so impressed by the customer service in other areas of the company.

However, the nightmare experience we had the last month confirms to me that the phrase"time is of the essence" has no meaning to them and that they could benefit from a trained person to explain their documents to them.

I cannot comment on what percentage of loans they complete without difficulty and what percentage they do a few stupid things with and what percentage they totally flub. However, the fact that they seemed to view their errors as standard operating procedure did not inspire confidence in their quality control.

I suppose whether one chooses them as a mortgage company depends upon how much of a risk-taker one is. As for us, next time we will be a choosing a company where we have a higher certainty of closing on time after weeks of straightforward (as opposed to inexplicable) business dealings.
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Alain on 11/25/2010:
Thank you for the warning.
RestaurantGuy on 11/25/2010:
While I use USAA for almost everything when I initiated my mortgage I went with Wells Fargo. Something as big and important as a mortgage you should meet with someone face to face not over the phone orby mail/email. Now I did refinance with USAA and that went very smoothly but that may be due to already having a mortgage loan
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Worst...Mortgage Lender...EVER!!!
Posted by on lender...EVER!!! My wife and I have been USAA insurance customers for almost 20 years without a single complaint...their customer service has always been excellent. When we decided a couple months ago to refinance our original VA loan, we looked no further than USAA because of our many years of past experience with them. 45 days into the loan process, we only now realize how big of a mistake we made by selecting them for our mortgage business. There is a HUGE disparity in the quality of their insurance services and that of their mortgage services!!! The loan processor assigned to us was the most incompetent, lazy, and least- knowledgeable financial services professional with whom I have ever dealt. He never answers his phone, never returns messages left in his voicemail, doesn't respond to repeated E-Mail inquiries regarding the status of our loan...and when we finally contacted a "supervisor", she was quick to promise prompt action but dragged her feet for days. Consequently, we've completely missed the closing date that was originally scheduled, and USAA is now requiring documents from us that have never before been needed when we've applied for home loans and are asking the exact same questions of us that we answered more than 30 days ago soon after we first applied to refinance. USAA mortgage services are a scam...they are not at all interested in providing loans at today's low market rates. Don't walk...RUN...away from USAA financial services.
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Does Not Like To Pay Claims
Posted by on
SAN ANTONIO, TEXAS -- USAA makes a great talk but sometimes fails to make the walk.

I will not be renewed on my USAA Home/Fire Insurance.
I will not be renewed on my USAA Renters Insurance.
I will not be renewed on my USAA Auto Insurance.


I never filed a claim on my renters insurance.
I never filed an accident claim on my auto insurance.
I pay my credit cards.

What is the issue?

A criminal conviction for a family member from 7 years ago. USAA "claims" it has a policy to "weed out undesirables" when it "comes to their attention". Funny how that didn't seem to make a difference way back when they "discovered it" but only after they got my home insurance claims.

How much were all my claims? About $35,000 combined.
I filed a claim on my home for a broken window.
I also had my home broken into and a fire resulted from the break in.

I begged USAA to do something before the Alaskan winter set in. Nope. The fire happened in July 2008. Winter set in in Alaska and outside repairs were delayed so my home freezes up.
How did they run the above claims?
As FOUR(4) SEPARATE claims. I suspected they were stacking the deck by running these separately but I trusted them to take care of me.
Boy, did they take care of me!
My house was vacant from July last year until July this year. Just rented it out this month. (PCS'd to my current location July 2007).
USAA is paying for the damages slowly, but I have already paid most of the costs myself. I do not like owing people who work for me.
USAA obviously resents having to pay for ANY damages.
Granted, it is the USAA underwriting department making the call. Basically they told me to go pound sand.
I admit to looking at this from my point of view only. I am shocked at this happening after all the years I spent with USAA and all the good things I passed on to other service members about the how they were inexpensive and a fair company. Many of their employees are.
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Helpful on 07/12/2010:
This sure seems like a fair review.

Best of luck to you.
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Why I will never switch from USAA to Progressive
Posted by on

Top reasons why I will never switch from USAA to Progressive:

1. Clientele: while driving down the highway I was struck from the rear by an inebriated unemployed Progressive driver, who was already on probation for DUI. Its feels good to insure others who would be court-martialed if they behaved like this individual.
2. Clarity: when I call USAA I don’t have to be transferred from a National Office to a local office, and since I don’t need to be transferred I don’t get two different stories about the service they provide. When I call Progressive the national office tells me that they will go wherever I need, service and inspect the car wherever I like and generally accommodate me, but when I call the local office I am told I must go to their body shop during working hours have my car checked out. When I call the national office and ask to speak to someone higher up, they route me to another claims adjuster in the same department who also cannot help. No bureaucracy, that’s why I love USAA.
3. Availability: when I call USAA I am told we will be here all night to help you. My Progressive claims adjuster works only works four days per week.
4. Attitude: when I speak to USAA about my accident they can’t wait to genuinely show concern and look out for my welfare. When I can get a hold of anyone at Progressive I get terse responses and feigned concern. When I come to the Progressive office, the claims adjuster tells the secretary to take my paperwork and lets the secretary try to determine what is happening with my case because she is too busy to see me (though she saw doing a deliberate about face upon seeing me and calls the secretary twice to see if I have gone away yet). When she does come to see me she tells me “You just don’t know how the insurance business works.” Clearly, I don’t know how Progressive works, but I know how USAA does, I am treated with respect, concern and prompt service.
5. Responsibility: When I take the day off work to personally fetch police reports, contact sheriffs departments, rental car companies and bring needed documentation to the office, but am still told that Progressive does not have the documentation to repair my car and that I should contact my insurance company because they can work faster. USAA bends over backward to cover everything, pay out the claim and get my car into the shop though it was no fault of theirs; it consumes their time and resources and involves them unnecessarily.
6. Understanding and Timeliness: USAA understands when I tell them I am leaving at 5AM for predeployment certification training for two weeks and that I will not be able to contact them for two weeks. USAA apologizes for the service that Progressive has provided and stresses that they understand that it is not acceptable to leave my wife without transportation. The progressive claims adjustor tells me after an exterior examination of my car that it is not their fault that I am leaving, that the brake light on my dash must have been on before the accident and that my car should be drivable for my wife. Progressive also suggests that I should use my predeployment leave to fix the car.

In a word USAA understands service.

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goduke on 07/07/2010:
First of all, we all know that there are USAA drivers who have been cited for DUI. To suggest that Progressive's customers are somehow a lower class of person is a bit uppity.

Second, it probably has to do with the fact that you are paying them. They are your insurance company. We've seen reports of a very different story when the claimant is against USAA.
AlanMC on 09/19/2010:
I have to laugh, because Progressive is a partner company with USAA, they refer motorcycle and rv owners to them. I use GEICO, after 11 years with USAA, GEICO is better and less expensive for better coverage and better service.
BC on 08/07/2013:
Peter Leiws, Progressive insurance CEO, donated 12.5 million dollars to a left wing communist party organization. Just what USAA is against. USAA needs to drop progressive Insurance Co. just as did!
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Stay Away From USAA......All Your Funds Will Be Frozen At Some Point
Posted by on
I have been a loyal customer to USAA, depositing money consistently from my BOA accounts as well as having car insurance through them for my 2 vehicles. In my 30 years I've never had an issue with banking. I've been sent overseas for 3 years and continued online banking: paying bills, making deposits and having insurance. I've been an incredible asset, as well as have incredible credit. I now have a fiancee who I live with who also has USAA: A COMPLETE SEPARATE ACCOUNT. For some reason a deposit of his was red flagged (I don't know why, and honestly I don't care, its not my account) and his account was frozen. By the next day MY PERSONAL ACCOUNT was frozen as well. WHY? because we have the same address.

So my hard earned money, my untarnished years of being a customer have gone to the crapper because of another account???? Are you kidding me? How in god's name do they have the right or the legal ability to keep all my money from me for someone else's account???? This is highly illegal practices, the staff that I've talked to are a joke. After hours of calls to their office I finally find that my account is being shut down??!!??!!

A supposed check will be issued to me with my money, and there is ZERO reason to back this kind of move on their behalf.

Many of you may have USAA, as I have for years......IT WILL HAPPEN TO YOU... they freeze funds, leave you with're left to fend for yourself against this growing evil entity. I'm a full time student and a mom to two little boys and I can't feed them, pay my bills, go to school, for god sakes can't even put gas in my car. This is what I get after years of the highest and best clientelle service to them. I'm left with the words of some insignificant staff member telling me they're sorry, and only god knows when I'll ever see my money ever again.....we're talking thousands.....


If you can't walk in to your banking institution....DON'T BE A PART OF IT! lesson learned.
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skeletons on 12/04/2009:
here's another recent USAA customer:

Posted: 2009-07-31 by tony28270


Complaint Rating:
USAA from my account and locked me out of my online access on 7/28/09 and nobody tells me why? On 7/30/09 after calling for serval times they tell me because I had supicious activity on my checking account. I moved over 100k and then withdrew it and the deposit only 40k, to my brokage account. Made 3 trades and then when I am getting ready to sell my stocks my account is frozen. They stated I need ID for me and my wife. Faxed them on 7/28/09 was told it would take 24 to 48 hours to verify this and my account would be open. Well after 48 hours my accounts was locked, and then I was told I would be assingned to a fraud investigator within 5 business days. I work at a job that requires much attention and have 40k frozen makes me parorniod. Nobody can tell me anything execpt to wait and somebody will contact you.
Anonymous on 12/05/2009:
Too much moving of money in large amounts looks like laundering.

Now for the OP: Something suspicious about that deposit, and now with a completely different account with the same address being accessed it looks more so. Nothing illegal about them making sure YOU are not using their bank to commit a felony.

USAA is a military bank is it not?
madconsumer on 12/05/2009:
if one has the same address as someone who is suspected of illegal activities, you are guilty by association.
RestaurantGuy on 12/05/2009:
Lady USAA is a military bank. You have to be active or retired military (or a dependent)to use them. I have been with USAA for close to 20 years and have never had anything but outstanding things to say about them. There has to be something the OP is not telling us here
Principissa on 12/05/2009:
If any bank thinks that you are doing something that looks suspicious they will freeze your account. They are protecting themselves. It's not just USAA it is any bank.

RG, I too have USAA (for insurance) and have nothing but good things to say about them. They are always friendly and courteous and even called us during that ice storm last year to send out an adjuster to make sure we didn't have a claim, and this was without us calling them. They gave us a free voucher to stay in a hotel for 3 days and even comped our bill that month. And this didn't even go against our insurance.
Anonymous on 12/05/2009:
I just went through sort of the same thing with a bank here in Myrtle Beach. I just recently moved from PA to SC and opened an online account.....and transferred funds from one to the other. The first transaction didn't go through so I tried another account.....they locked me out of it even though the funds went through, so I had to show them proof that it was in fact my account withdrawn biggie, they are just protecting themselves. I got it all taken care of and my funds released.
moneybags on 12/05/2009:
USAA is fantastic. You should be happy that they do this. It could be a scam and you'd loose your money to some idiot fraudulent transaction, and you'd wait and wait to get it back. The banks are not just protecting themselves, but their customers too.
skeletons on 12/06/2009:
There are NO ILLEGAL ACTIVITIES GOING ON....USAA FREEZES FUNDS WHEN THEY EXCEED A PARTICULAR LIMIT (apparently) So when an account goes from a normal activity of funds to more money, they red flagged my fiancee's deposit. A LEGIT DEPOSIT. Whatever...that has no bearing on MY ACCOUNT. I've been banking for years and never have my accounts been frozen for LARGE DEPOSITS. Thank you....What a REAL bank would do is contact you and find out about "deposits" or "withdrawals" that aren't considered your normal activity. NOW.....I HAVE NOTHING TO DO WITH MY FIANCEE'S ACCOUNT...THEREFORE, IT IS WRONG TO HAVE MY FUNDS, WHICH I'VE NEVER EVER EVER HAD A PROBLEM WITH TO BE FROZEN. Back a few years ago I could've agreed they were a decent banking institution.....NOT ANYMORE....THEY'RE TERRIBLE AND THEY'RE SERVICE IS ATROCIOUS. It disgusts me to see that they are even still allowed to practice they're disgusting policies....BY THE WAY...THEY ARE RATED AN "F" BY THE BBB......SO THERE YA GO. THANKS.
PepperElf on 12/06/2009:
then contact a lawyer
seriously there's not much a page here can do ... get a lawyer

tho I didn't think they could legally freeze funds
not on their own I mean
skeletons on 12/06/2009:
RG- man I know that USAA IS A MILITARY BANK...BECAUSE I WAS IN THE MILITARY.....see what assuming gets u?....y do u think I have the account....take a moment and think before you offer ridiculous advice.
PepperElf on 12/06/2009:
I take it there won't be any lawyers then?
skeletons on 12/06/2009:
this site is to post my 3 cents...well that was it...I don't agree with the practices of USAA...period.....if you don't agree and want to write negatively or sit there and think of ways that "OP" is not telling you then move on to another story. This is not a website for arguing...its for posting MY 3 CENTS......hence the name of the website.....I'm not here to argue with people..seriously.....
skeletons on 12/06/2009:
pepperelf- this started on Wednesday....I'm working with an individual at corporate who is trying to expedite reopening my account. Unfortunately this takes 7-10 far as a lawyer goes...we shall see....that of course is an option, however, I am still trying to obtain my funds.
PepperElf on 12/06/2009:
OK so all is not lost then.
might be the best way to do it
skeletons on 12/06/2009:
yea...until then I don't have any money available to I'm at their mercy.....we'll see what "expedite" really means to these people....regardless, I have bank of America and I'll be taking all my business there. Never in the past 13 years have I had a problem with them. go figure.
Anonymous on 12/06/2009:
Skeleton you said it yourself: when the deposit goes higher than the norm they react by flagging the deposit. A few dollars won't do it, a few hundred will. All they are doing is freezing the account until the deposit clears.

Pardon me for saying so, but if it were YOUR money you would do the same thing to protect it. Do you not realize that this is EXACTLY how money laundering is done?

And EVERY bank on the planet will do the same thing.
skeletons on 12/06/2009:
I'm quite aware of what money laundering is and how it's done. However, the deposit is NOT IN MY ACCOUNT. Therefore, holding me responsible for an account that is not in any way linked to me is quite simply put : RIDICULOUS. I'm very aware of how banking works, and freezing an individuals account must constitute that their account MUST POSSESS some kind of "RED FLAG" activity. MINE NEVER HAS....not for years. EVER. nuff said.
skeletons on 12/06/2009:
the key idea that here is my account is frozen on behalf of a deposit my fiancee made into his own account. We have SEPARATE accounts. So again, I'm saying USAA is crap for freezing my personal account because of a deposit that was flagged on HIS account. Ridiculous.

Anonymous on 12/07/2009:
You said yourself you sand your man have the same address on your accounts. THAT is the link. NUFF said.
OV1 on 06/16/2010:
As other have stated, the common address is the problem. When people launder money, they will have multiple accounts in different names, but with the same address. I have a Chase account that will get locked if I travel and not tell them as they see the activity as not normal. I also deposited a big check and it was on hold for 12 business days for it to clear. The check came from B of A and there would even have been a hold if it was a Chase account.

I do feel sorry for you as I know what it is like. At least you were smart enough to have two accounts and still have access to some funds.
AlanMC on 09/19/2010:
Every person who is single and deployed has the same address, so in your opinion if one of those is frozen then all should be as well. WAKE UP Federal law states that all persons have individual credit ratings and can establish accounts separately even if they are married and live at the same address
LuckyArmylady on 09/23/2010:
Alan- Thank Goodness someone said it. I should not be held responsible if someone I rent a room in my home to makes a bog deposit....skeletons I am very sorry you are going through this- it is not USAA's tight to freeze an account that is separate from yours. Unless you have joint accounts elsewhere, such as credit cards and such. Believe it or not that would associate you with your fiancee in a way that can be a risk to them. I am new to USAA and absolutley HATE THEM. My husband is active duty and just got back from deployment, they have lost out POA (we sent it 3 x's) messed up our names whenever we ask them to update something, some idiot rep typos and screws it up. they actually sent our personal checks to the wrong address (then blamed me saying I modified the address when processing the order) I proved them wrong. I had them see when that address was changed, it was at the same time they corrected my middle intital. It only took 4 hours and 3 managers to get it fixed. ALways a problem and they never assume responsibility. GOOD LUCK
Skye on 09/23/2010:
OP, what is the reason the bank has given to your fiancee' about freezing his account, as well as yours?

It would help to know the whole story.
MacklinC on 07/16/2012:
I learned the hard way - My account is restricted for security reasons. They asked for a copy of my License, then my Social Security card . 4 weeks and they have been very rude about the whole thing. I just want my money so I can go to another bank.
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