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DO NOT Use USAA VA Loan Service!!
Posted by Mohrfit on 03/06/2013
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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Posted by BigAl on 2013-03-07:
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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It Has Been 18 Months And I Still Have An Open Theft Claim And A House The City Would Condemn
Posted by Ameru on 12/17/2012
SAN ANTONIO, TX, MISSOURI -- Please forgive any typos.  I am working with a broken laptop.  This is the 4th time that I have typed and lost all of my information.

First round of asking for help On 6/26/11 I walked into my home to find that it had been burglarized. I had been in and out of town, and it is an unusual case, as the police say that someone had been living in my home. I have an insurance policy with USAA insurance. I have been through 4 or 5 adjusters; I have given way too much information about my life, I provided information from slavery, on all four sides of the family until now, as I was asked by one adjuster, and I have it in writing, "how could people of color afford such things" and that of my February of 2008 to help care for my mother.

Janice, my mother, passed away in July of 2008 she had renters insurance in my home. My sister, Holly and I cared for my Grandmother at home until  my sister moved back to Michigan to work for the Department of Commerce in October 2009. I stayed in Missouri and worked for US Bank through Kelly. After  my job ended, I traveled around. I helped my sister pack up her apartment in Michigan and move to Atlanta, GA in January 2011. The home was never vacant for more than a few weeks. I traveled back and forth between, Michigan, Georgia, and Missouri. In February of this year, my step-grandmother, who had lived in my home until she went to Beauvais, after  my mother's passing (she lived in my home, until October 2009, at that point she moved to Beauvais nursing home, on Magnolia, in Saint Louis, MO)--in February she passed away.

On the same date of her funeral in March, my maiden aunt, Barbara  left  the funeral for the emergency room, where she was diagnosed with Uterine Cancer and subsequently had surgery. She has been going through chemotherapy and my sister Holly and I have been up and down the highways taking care of her, as we both work to rebuild our lives. Again, the home was my primary residence and was never vacant for more than a few weeks. On June 26, 2011 I returned to my home to find that it had not only been burglarized, but it appeared to have been lived in.

A realtor who was selling a home down the street had a sign in our yard, with a for sale sign, with the arrow pointing to a home down the street (it gave the appearance that my home was for sale). At one point, I let the mail collect when I was caring for my aunt, and the post office put a vacant sign on the mail box. We think that this is when thieves moved in and burglarized and trashed the place. I have neighbors who have witnessed strange people and reported this to the police on the day of the burglary and have called twice since to report people lurking about my home. My mother was an OCD neat freak and the house was so torn apart that it looks like an episode of Hoarders. I had many high end handbags, as did my mother, lots of crystal, and Jewelry. I inherited a lot from my mother and grandmother.

I have answered questions about my lifestyle, worked with USAA's insurance investigator; I have receipts for over $14,000 of jewelry that I purchased when I worked on Wall Street. I have bank statements of things that I owned, credit card statements of what my mother owned, and copies of credit cards that my grandmother had. I have provided pictures. My sister Holly has answered questions (she had to establish that she had a home in Michigan), answer questions about what she received and why it looked like I had more (I did not, Holly's things were not stolen, mine were). My mattresses have been slashed, the fridge broken, the oven broken, thousands of gnats in my home, as USAA asked me to keep the broken fridge, as I went through 5 claims people. I thought that I provided way too much information on.

In some instances, I have the receipts for items, pictures, and have located them on the bank statements and have been asked to provide more documentation. My home is unlivable.  If the city came in they would condemn it, the thieves left urine, chemicals (perhaps Meth) fecal matter, and more all over the entire house.  The house was black and thick with gnats.  18 bug bombs later, millions of gnat bodies covered everything in my home, and the poison permeated everything. 

And now my aunt, in addition to the chemotherapy that she is enduring, has diabetic issues, that may cause her to lose her legs.  As an update, her leg was amputated, and she has since died. My sister Holly and I are her only relatives. After the tornado, here in Saint Louis, I looked at my policy and upgraded it. USAA sent a letter to homeowners advising that we do so. I think that between what I purchased, what my grandmother and my mother left me, I had $100,000 in jewelry...I may have had $10,000-$45,000 in jewelry coverage, when I upgraded the policy, I added the jewelry on.  USAA sent a letter that do to my credit they were disallowing the jewelry coverage. 

After reading my policy I pointed out to my public adjuster that this was illegal in the state of Missouri, over $20,0000 in silver was taken - I may have had $10,000 in coverage, it would depend on how the multiple policies that I paid on the same residence plays out. I had a total of $299,000 for one policy  of coverage for personal items and with damages my claim may be between $270,000 - $280,000. The claims investigator is telling me everything is in the hands of the adjuster, just get in my receipts and pictures, and the adjuster is stalling that he must turn everything over to the investigator first. I have spent me, that should have been spent on family and getting my home and life back in order jumping through hoops. I would like to retain your services, as I have made a commitment to -Communication with USAA Part get everything to the claims investigator and the insurance company over the weekend. I do not want to do this all in vain, I feel like I have been violated twice. You have a good reputation on and I would like to hire your firm to assist me in finishing this claim.

I was contacted this morning, Friday, September 30, 2011 by another Claims Investigator, out of Las Vegas. This will be my 3rd claims investigator assigned to my case. To date, I have only spoken to one, Kyle, and I no longer feel comfortable communique ng with the insurance company without someone on my side. I have had coverage with USAA since 2006, however, the day a er the tornado in Saint Louis, I updated the policy. As you will note, I did not adequate jewelry, silver, or fur coverage, Second round of asking for help Details of complaint: My original policy began with USAA in 2007. Since my emails to Mary the state of Missouri Department of Insurance Regulation.  They have not been able to help much either way, to date, although USAA has retaliated, and although they have stalled, said they were too busy with other perils of nature, they are now trying to put me out on the street, although my home is unlivable, and put me out for Christmas and New Years. They also went in and purged much of the data off of my web account, including emails and policies. All the policies have been purged.

I purchased this home in 2005. At the time I lived in New York and had renters insurance on my New York Apartment, my mother lived in the house full time I traveled with my job an I had a policy on the house. In October 2007, my mother was diagnosed with ALS, Lou Gerhigs. My sister lived in Michigan and had a ranch style condo covered through USAA. All USAA policies held by my sister, my mother, and myself, fell under my dad, Ronald. My sister walked away from her job to care for my mother. During that period the pipes burst. USAA paid her about $15,000 and then dropped her, and her claim, stating that there was an invoice from the cleaners that had a weight on the UNsaveable clothing they returned to her. For that reason they dropped her claim, stating that she added an UNsaveable clothing box, even though USAA sent her the invoices. They closed her banking account, everything. As my sister was the only one caring for my mother, she lost everything and had to declare chapter 7.

My Dad, a die hard ex-military man had USAA on his two homes and 5 or 6 cars. There was never a claim. On February 14, 2008 I walked away from my job in New York to help care for my mother. I notified USAA. In July 2008 my mother, a nurse, passed away. I notified USAA and continued to care for my grandmother in my home until October 2009. At that time my sister got a job, as the assistant manager for quality assurance in Dearborn, MI. She did not have much to move, as she lost everything to water and mold when the pipes in her home in Michigan broke in several locations. Holly got a Uhaul and moved her things to Michigan. Holly has a lease, a business card, and paperwork, from December 2010 where the moving company picked up her furniture for storage, and then where to deliver it when she found a place in Georgia. My grandmother was 110, she loved Xmas. We left the Xmas tree and lights up from Xmas 2010 and had a special 2nd Xmas for her and my Aunt Barbara, the cancer, in February 2011. Holly and I actually missed the first Xmas in December, we were in Michigan packing her apartment. Lena was staying in Beauvais Manor by that time, but she could come for a day home as well as my aunt who was utilizing rehab to get better. My step-grandmother is in the photo below along with how the house looked just months prior to the break in. There was a lot of sorrow. We lost my mother in July 2008, my sister Holly  paternal Grandmother (who always treated me as a grandmother) six weeks later.

In October, 2008 we lost Holly's paternal Uncle. Then in July 2009 we lost Holly's paternal, youngest aunt, it was just too much. Holly's job was over, I came to Michigan for a while in April, I had been working for US Bank in Saint Louis and working through Kelly Services so I was in the home alone. Holly decided to move to Atlanta. Her things were picked up by the movers and were to be placed in storage until she found a home in Atlanta. All this information was given to USAA.

After the death of my grandmother, on the very same day as her funeral, my Aunt Barbara was diagnosed with Uterine Cancer. Literally, we left the funeral for the emergency room. My aunt had surgery. After a recovery period she was to start chemotherapy. I joined Holly, who was living at an extended stay hotel to find a home. She decided to find something that my aunt could stay in. I went to Michigan with her, helped drive the car from Michigan to Atlanta, and we looked for a place for her to live. After finding one, we returned to Saint Louis as my aunt was starting chemotherapy or had started and I was taking her to her chemo sessions. So I was back and forth out of town a few times. I do know that in April there was a major tornado that hit Saint Louis, Missouri and ripped the roof off of the airport and left devastation following highway 270. I received an a letter from USAA about the tornadoes and asking if I had enough coverage. I really took that to heart and I changed my policy. The primary changes were for the structure of the house, but I did add a jewelry Ryder. I inherited much from my maternal Grandmother, my maternal step-Grandmother (she is the one who passed in February 2011) and my mother, as well as my own things.

I received a call asking if I was going to cancel the other policies on the home and the renters insurance. I let them know that had been cancelled long ago. The customer service person indicated it was not. USAA will not send a copy of this update. I did add $40-$45k in jewelry coverage and was still woefully under covered. I received a letter stating that due to my credit history, which took a traumatic hit during my mother's illness, the policy was changed. What I did not know was that I continued to pay for 3 policies after USAA was told time and time and time again. After the report of the theft, I was under investigation for 6 months. I was never notified officially and I cooperated spending time, that I was told that I would be reimbursed for, due to my cooperation. I was paying out of pocket for everything.

I sought assistance and got a Public Adjuster Inman and Associates, who have been a sad disappointment. It has been 18 months since my claim. Missouri law and my own policy have not been followed. Since USAA does not give money back, but gleefully took it and continues to take it, then I should have additional coverage. As credit score cannot be utilized in Missouri, my jewelry rider should be acknowledged. USAA has had a spreadsheet of stolen items for 6 or 7 months. The public adjuster and C are still ambling around on the dwelling. This is my claim and I want to replace my stolen items. I would like my ALE that is due.

This company has put such a financial strain on me that it has taken it's toll on me, my sister, and my aunt, who passed away November 19. Additional family members six of seven have passed away during this time. Our Aunt was our mother's older sister. I do not want to spend another Thanksgiving (which ended up being a trek to get my aunt's body. Medicare wanted to know after her amputation that she had a place to go (prior to all of this she lived on her home). Barbara had too many steps to return to my home and it has been 18 months and Josh is in charge of stolen items.

It has been 18 months since the theft. The criminals were living in the home, they defecated, urinated, stole the motors or some workers from all 3 fridges in the home. Since it took USAA 3 months to come to the house it was filled, like a horror movie, with millions of gnats. Over 18 bug bombs were set off, there are gnat bodies and poison in everything. The police found tons of medicine boxes and pots with stuff stuck in them, I was told my home was possibly used for meth. ARRS the restoration service deemed almost everything as unusable. Now USAA is questioning ARRS and there has been no movement on the home. Furniture that was in the home was broken and almost ALL household items placed in the garage. The gnats are back. If items were save-able, they are not now. All furniture in the home down to the dishes were purchased new when I bought the house for my mother. Her partner and fiance©e had died and this was a new beginning. The only things not new, were the dining room set, the master bedroom set and the 2nd bedroom set and one television in the basement. All other furniture was purchased in 2005 along with the carpet for the basement. Except for the China, all dishes, mixers, toaster, microwave, pots, pans dinette set, living room furniture, basement furniture and patio furniture were new. As well as all decorations.

My grandfather fought in WWII, the Korean War, and the Vietnam War. There were many heirlooms that he sent home. I had photos and I had to show what I inherited verses my sister. There was much silver, Waterford, and Japanese ivory and such, there are pictures of the items in the home, and I had to account why I had photographs of the items and the photographs were clearly years old.

USAA has put me in a financial bind. I could lose this home. I want to know why we cannot work on replacement of theft which is what I asked for from day one, the house really needs to be gutted, disinfected and fixed. I need to know how much I have in coverage since I was paying for 3 policies. I have read the policy and found all the breaches, not Inman and Associates, my public adjusters, they seem to be inept. I am begging for any assistance as rules in my policy have been ignored, Missouri law, and it is 18 months, this is crazy.

I don't want to live in a hotel anymore. I want funds immediately for replacement of stolen items and a clear answer of how much coverage I have since I was paying for 3 policies up until 6 or 7 months ago. I will email all information instead of attaching it. USAA has been busy since I contacted you purging documents that have been on file since 2007. I believe Josh, the San Antonio Adjuster for USAA may have gotten rid of everything with his name on it.

My Aunt Barbara died, her memorial service was Friday, December 14, 2012 and according to Chris and his boss Kevin, USAA adjuster and his supervisor, they are trying to put me out, even though I have unlimited Dwelling, and it was USAA dragging their feet, and then on the theft, I have about $ 50,000 in replacement receipts, USAA gave me $20,000 against the theft, now Josh is saying not one more dime until the CLAIM is ESTABLISHED. What have they been doing for almost two years?

UPDATE: USAA STOPPED PAYING FOR MY DWELLING, ALTHOUGH I HAVE UNLIMITED DWELLING. IT HAS BEEN ESTABLISHED THAT FROM 2007-2012 I WAS PAYING MULTIPLE POLICIES ON THE SAME HOME. THE CITY HAS CONDEMED THE HOME AND I AM SEEKING A LAWYER AND MEDIA COVERAGE.
     
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Posted by clutzycook on 2012-12-17:
I couldn't read this entire entry, but just based on what I skimmed, I think you should get yourself a lawyer to help you slog through it. At this point, it is too large for any one person to deal with.
Posted by trmn8r on 2012-12-17:
To site admin - there is a company representative's name buried in this story, which should be removed per my3c policy.
Posted by DebtorBasher on 2012-12-17:
8er, 8er, my 8er...I read through the review and did not find any full names given. Unless I missed it. I'm thinking you were talking about 'Josh San Antonio'...which, being that this review location is San Antonio, I'm guessing the OP meant, 'Josh, the San Antonio Adjuster'...which I have corrected on the review.
Posted by spiderman2 on 2012-12-18:
I did not read the whole thing because it is filled with way too much detail that is not important to the problem. Could your problem be that the home was unoccupied for too long a period of time? Insuring an unoccupied home is not the same as insuring your residence. From the USPS website "A delivery point that was active in the past but is currently not occupied (generally not occupied for 90 days or more) and not receiving mail delivery. It does not include businesses or homes under construction, demolished, or otherwise identified as unlikely to become active." I think this is the root of your issue. Get a lawyer and good luck to you.
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Hold on Funds!!
Posted by Vilseckgerm on 11/19/2012
SAN ANTONIO, TEXAS -- USAA again put a partial 5 day hold on a $700 check I deposited in my son's account. The check was drawn form a bank in San Antonio and the check cleared the next day. This seems to me like stealing from their customers as they have fund at their disposal for 4 days. Multiply this by the thousands and you understand the reward the bank has from this. I have been a customer of USAA for over 30 years but according to them this has no bearing on their policies. Very disappointed with their treatment!!!
     
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Posted by CUontheFlipSide on 2012-11-19:
The law is very specific as to the reasons a check can be held. The account may be new, the account holder may have a bad record, and there may be reason to believe the check might not clear.

The amount of money they generate on $700 for 4 days is too small to be measured, The smount of money they lose every year by being forced to give availability for a check which still can be returned, is staggering.

Hopefully this is just because your son's account is new. The new account period passes prretty quickly. All this was disclosed to your son when he opened the account.
Posted by madconsumer on 2012-11-19:
often times, if there are not enough funds to cover the check deposited, the hold will be placed.
Posted by trmn8r on 2012-11-20:
I highly doubt USAA did this as part of a larger scheme to make money off a holding period. It is much more likely there is something about your son's account that resulted in the hold.

Did you ask them for an explanation? Come to think of it, it is your son's account. Maybe this is the reason.
Posted by olie on 2012-11-21:
I've personally deposited a "cash advance check" from a credit card company. My small, locally-owned bank immediately released an amount equal to the current balance of my account. The rest of the check was subject to a hold like you described.

Let's say the CC check was for $2500. I had $1000 already in my account. The bank would immediately make the first $1000 available--even as cash. The other $1500 would be available in a few busines days.

This is done to protect the account holder from fraudulent checks, as well as protect the bank.
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They dropped my auto insurance without telling me!!!
Posted by Mypalaccount on 11/02/2012
BOYD, TEXAS -- USAA auto insurance decided to drop me in July without notifying me. I also had a homeowners policy with them as well which gets paid through escrow. To my knowledge I still had auto insurance as I had been making payments. Well in October I got a letter from the state of Texas saying I wasn't insured. So I called USAA up thinking it was a mistake. I was wrong! Apparently I had been paying on the homeowners insurance because the decided not to renew my auto policy! Yes I had a couple of accidents because of a undiagnosed medical condition(which has been taken care of for 3yrs now and I haven't had one since). This was there reason for not renewing. But on top of that, I find out they recently changed their policies so they no longer have to call their customers if they decide to drop them. They only get a letter! Oh and they also told me that between when my policy was to expire and be re-newed, they changed all this and blamed me for it? It took 4 days for the underwriter to get back to me(I tried to get it re-newed) and though they couldn't answer my questions about why I was dropped, they wouldn't reinstate my policy either. Just be ware that they are a high maintenance insurance company and if you have an accident they are quick to total your vehicle and up your monthly bill whether they have to pay out or not.

     
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Posted by Bill on 2012-11-02:
Contact your state insurance commissioner. There's no way they can drop you without notifying you nor would any insurance do that. It's too great a liability for the insurance company. Any competent lawyer could take them to the cleaners if you had an accident during this period.
Something is missing from this complaint.
They wouldn't call you they would send you a letter probably registered so you have to sign for it.
Posted by madconsumer on 2012-11-02:
geico did this to me as well after i was run off the road by a drunk driver. because the drunk did not hit 'my' vehicle, geico considered the accident my fault, despite the witnesses statements. fortunately, the drunk was hauled off to jail, and his car was totaled. when i inquired to the insurance commission, they stated it was the insurance carriers privilege to cancel a policy with no notice if they consider the insured, me, an un-safe driver. now 14 years later, no accidents, no tickets, nada.
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Check Deposit and Credit Card Holds they say per the Federal Government
Posted by Georgiafire1 on 10/20/2012
SAN ANTONIO, TEXAS -- They have randomly this year held my credit card deposit for 7 days drawn off USAA Banking. When asked they said the Federal Government makes them hold it. Also, I am kind of freaking hereing they are holding deposits especially from instate banks and other member. Again it the Federal Govenment making them hold. Not sure about this one. Seems to me stealing your money and drawing interest.
     
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Posted by trmn8r on 2012-10-20:
Banks do place holds on funds in certain circumstances. It's pretty hard to tell without more details if it wasn't proper.

I would imagine that if a bank did this routinely and without cause, they would probably be caught in the act fairly quickly.
Posted by tnchuck100 on 2012-10-20:
The federal government does not REQUIRE holds, they ALLOW it. So, in that respect USAA has lied to their customer.

I agree, more information would be needed to make a call on this one.
Posted by madconsumer on 2012-10-20:
if the depsoit is over a certain amount, the bank may hold it until it is reported to the irs.
Posted by jonthethird on 2012-10-21:
My bank has a rule to hold any check over $5000 for 10 days. However, as I have been doing business with them for over 10 years, have never had a check returned, maintain an average balance in excess, they override the rule
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Absolutely Criminal
Posted by MacklinC on 07/16/2012
SAN ANTONIO, TEXAS -- I opened a checking account with USAA several months ago. I was put off by the customer service. It would seem there are two teams. The first team that you receive when calling is very nice but can do very little. No matter what your problem, you will have to be transferred to another department and that's when things get really weird.

My account was frozen because they said they needed to see my ID. I sent it to them, then they said they need to see my Social Security card. 4 weeks later they say they need to see my Army paper ... I was never in the Army. I am no closer to receiving my money than I was 4 weeks ago. The people in the verification department are very rude and it's pretty clear that they could not care any less.

If any person did this to another person they would be in jail but, it's a bank ... so they can get away with it. Do a Google search and see how many people they have done this to.
     
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Posted by raven2010 on 2012-07-16:
USAA is specifically for military members ( former and current) and their families.

Are they perhaps not being clear regarding the documentation they need from you? Regardless, they should not be holding on to funds you have in the account.
Posted by KevinTX on 2012-07-17:
Hmm, I imagine a phone call to a USAA rep would be in order, maybe once you have cooled off a bit. I have been a member for almost 30 years now and they have ALWAYS been the most helpful agency ever. Also, they will respond to your post on their Facebook wall quickly.
Posted by Bill on 2012-07-17:
USAA is no longer just for the military. I have a USAA visa card for 10 years now and I've never been in the military. They also offer auto insurance.
I've never had a problem with them except once I was in an accident with a person insured by USAA (their fault) and they were kinda a PITA to deal with.
Posted by DebtorBasher on 2012-07-17:
Why are they asking for your ID verification now, instead of when you were applying to open the account?
Posted by JDnHuntsvilleAL on 2013-06-07:
I'm glad now I'm not joining. I REFUSE because I am NOT going to join, giving them my SSN, JUST TO GET A QUOTE.
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Now they say they must SEE your SSN card? Who keeps their SSN card anymore? It's not necessary. I have no idea where my card is.
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These people are WAY TOO SECRETIVE to my mind. UNTRUSTWORTHY.
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Beware Money Goes Missing Without Reason
Posted by Autumnlmiller on 07/09/2012
SAN ANTONIO, TEXAS -- I have been with USAA since I was 17 and had signed up to be in the USAF. At first, before actually going to BMT, the bank was very good. I never had any problems until I hit check school. The first time money went missing from my account was in February 2011 for $100. I had just gotten paid that day, and transferred $100 from checkings to savings. That money mysteriously was withdrawn the next day. When I called the lady I talked to at first said it was a computer error, but after talking with her manager claimed that the money was never there, and went as far ar to call me a liar over the phone. She flat out refused to let me talk to her boss and ended the call by saying "Ma'am, the moneies is not there. You never had the moneies." And hung up.

The second time $40 went missing. USAA claimed it was for an overdraft payment. Since none of my accounts were in the negative, or never had they been, the money was returned after much argueing and deliberating. The third time, they took $50 out for a "bad check" on an account that no checks were ever deposited to. After looking through all the transaction history and seeing that there were no check deposits, he claimed my husband, who doesn't know the account number or even have a card for said account, took out a credit and he could not give me further information. When my husband called, they said the same thing, that a credit had been taken out, but that I had done it. When he gave the phone to me to talk to the rep, he said that he couldn't help us and hung up the phone. USAA used to be really great, but have seemed sketchy ever since 2011 for me personally.
     
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Posted by trmn8r on 2012-07-09:
There is something called "check school" in military training? I find that ironic in this setting.

As for what you report, I have never heard anything that even comes close to what y0u describe going on in your banking accounts. Bank accounts aren't typically handled in a "sketchy" manner. Do you have statements that reflect these anomalies?
Posted by Stratton on 2013-06-01:
Sounds like exactly what happened to me... $50 just disappeared... And they said it was never there!
Posted by JDnHuntsvilleAL on 2013-06-07:
I don't know if this is really pertinent, but I had a checking account with a Credit Union where I found out they were deducting $2 a month from my checking account BECAUSE I _WASN'T_ USING IT.
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Just thought there may be a similar reason in your case.
Posted by Isaiah on 2014-02-08:
I have had similar experiences over the past few years with USAA. I am meticulous about saving receipts. Every month it seems that I have to readjust the amount. Just this morning, $50 is missing from my account. Yesterday the amount in the checkbook matched up perfectly with what was online.
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Went out of their way to be difficult
Posted by Sandi_bee168 on 01/01/2012
SAN ANTONIO, TEXAS -- My husband and I are both Active Duty, and have been USAA members for 14 years. We have bought several vehicles using USAA for our financing, bought our house, have a credit card, all of our insurance, etc. In the last 5 years or so we have noticed a severe decline in quality of service that we receive from USAA. The final straw was this week when we were "pre-approved" for a car loan up to 50K (yikes)at 4.25%. I had been thinking about trading in my vehicle for something a little smaller with better mileage. Needless to say, I did NOT need 50K, and was dumbfounded when we accepted the offer and were given terms that not only did not reflect our good credit rating but were completely ridiculous. The interest rate was 12.99%! My husband negotiated with them for over 2 hours and finally were given an offer of 4.99%. We figured that was a fairly decent rate, and off to the dealership we went. After spending a couple of hours negotiating trade in and purchase price, we were finalizing the paperwork. Mr. Finance Guy called USAA to verify the approval on the electronic loan check, and here's where it gets really good... Apparently, USAA never intended to do this car loan because the final approval amount on the electronic check was a full 5000.00 UNDER msrp for the vehicle! In simple terms, there was no way we were going to buy this car with USAA because they never intended to give us the amount we would need to finance it! There is a happy ending though. We applied for financing through Toyota, and were given not only an instant approval, BUT!!! Get this!!! We were given a final interest rate of 4.19%. Moral of the story: USAA has contracted out so many of their services and on any given day you can get a nice heaping helping of crappy attitude when you call to talk to a customer service representative. Needless to say, we have started shopping for new insurance, looking into a credit union for banking services, and are working to pay off the credit card we hold with USAA. We certainly won't be recommending them to anyone anymore either.

     
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Posted by Alain on 2012-01-03:
Drop a note to the FTC at http://www.ftc.gov/bcp/index.shtml about this. While it doesn't impact your event (you've taken care of that by going with another company), it will add to notifications about USAA that, should they become numerous, will attract attention (and possibly action) to their practices.
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Don't want a mortgage go to USAA they will guarantee no mortgage
Posted by Cssrcare88 on 12/17/2011
COLORADO -- USAA does not do any mortgage, its US Bank that does it for them they are just a bunch incompetent pencil pushing processors from your first contact to everybody above them, One day they ask for one thing the next day they tell It's not good. they send you pre-approval documents all incorrect, they calculate income to debt ratio and then tell its wrong and you don't qualify. they want you to pay all credit off and then cancel your credit cards. 2 days before closing they tell you were denied after telling you day earlier everything is approved just waiting for appraisal. If you want to waste time and money go To USAA they know how to do it, they say they want help the armed forces and family's that's a JOKE. Service they have not a clue what service is. CORPORATE IS EVEN LESS USEFUL. they should be ashamed of themselves.
     
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Posted by madconsumer on 2011-12-17:
sounds like a horrible ordeal. will you miss out on your purchase because of this?
Posted by dan gordon on 2011-12-17:
this is the state of the mortgage industry today. They all do 'automated' approvals. You put in the numbers and the computer says your approved. Then they submit it to a underwriter who will come up with multiple more things they want you to do. Its not USAA but Fannie Mae and Freddie Mac who come up with these requirements. Since almost all lenders want to sell their loans they must be FM or FM approved. I'm going thru the same thing right now so don't feel alone.
Posted by DebtorBasher on 2011-12-17:
Whatever you do, DO NOT go to CHASE!
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Unfair lock on "Military" personnel for TERRIBLE carte blanche membership"
Posted by Jwwowz61433 on 10/25/2011
CALIFORNIA -- Unknown toxic Mold--minimized to no more than $2500. claim which does NOT cover Repairs or Property Lossses. Homeowner "Coverage" paid ito for 55 years, geat UNTIL there is ONe sigle Claim. Then USAA is UNresponsive and jeopardizes very LIFE of claimant, re TOXIC MOLD Can actually cause DEATH. Their slow to respond has cost me multiple Medical treatments, TWO hospitalizations and THOUSANDS of dollars to live OUTSIDE my continued MOLD infested HOME. They are very generous with Sorries" and zero real HELP, or acceptance of Resposibility to Homeowner.
     
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Posted by NutterButter on 2011-10-25:
So hard to read and understand your complaint. Did someone actually come out and investigate this "toxic mold?" I also don't see how this is a "military lock." If this is a bad company it's a bad company, no matter who paid them.
Posted by traceylynn on 2011-10-26:

most insurance companies have a rider that states they will not fix mold issues. The reason being is almost 99% most the time mold is caused by repairs not being done in a timely manner or regular maintenance not being performed on the home and they consider that to be the fault of the homeowner. Mold is an expensive thing to fix, if it can be fixed at all. Good luck I hope it works out for you.
Posted by lexophiliac on 2011-10-26:
Op, here is an excellent link on the issue, you can google more.

http://www.moldanswers.info/Mold_and_Insurance.html
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