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Unfair USAA bashing from various complaint sites
Posted by Bremwend11 on 03/01/2014
SAN ANTONIO, TEXAS -- Read a lot of people bashing USAA. They must not have been dealing with the USAA I deal with. Quick bullets, or I would be on here an hour! I"m a 24 yr AF Master Sgt. joined USAA as soon as they started taking Select Enlisted as customers.

My house robbed, no pics or receipts ..... Claim fairly settled in 5 days

Easiest mortgage ever x two.... VA first, then conv refi 15 yr fixed, 3.75 percent... Even came to my house at my time to get papers signed....... super simple and really amazing

Had family Emerg, needed 15k fast, called USAA asked for pers loan. Approved in 5 minutes (honestly) and FedEx to me next day for $6.00.

No need to keep boring you with my situation, though overseas issues and foreign wife created some other dizzy issues dealing with USAA, All ended fairly and fast! One last thing, love investing with them. All USAA employees get paid by hour or Salary.... NO one gets commission
     
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Locked Out Of Account
Posted by Dyankee6823 on 02/28/2014
SAN ANTONIAL, TEXAS -- USAA has locked me out of my accounts. I have auto and Homeowners insurance as well as banking services. One day, I was trying to log into my account and it said your account is locked and you need to call the fraud dept. Fraud Dept said it can't id me. Now that's funny, they had no problem id'ing me when I opened up my accounts with them.

So far, it has been 1 week and 10 phone calls to them. They asked me to send them some documents which I did. It cost me around $5.00 to fax them to them. I waited 3 more business days and they said they did not receive the documents. Now this is funny as I have proof that I faxed it to them.

They change their stories like people change their socks. Every time you talk with someone they never give you the same answer. So now, I will have to wait until next Wednesday, 5 March and see what they say this time.

They have no problem taking your money, they just have issues allowing you to use your money. I have spent over 22 years defending this country only to be taken advantage of a company who claims to help vets. All I can say is when I get my accounts back I'm gone.
     
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Horrible Customer Service; Fee Gougers
Posted by Angie.1227 on 12/06/2013
SAN ANTONIO, TEXAS -- I have been a member with USAA for over 12 years. The last several months have been a total mess with our insurance policies. Suddenly they decided to start charging me rates for a child with a license even though my child does not have a license. In trying to straighten this out, my auto payments were halted since the payments were so screwed up and the amount was literally changing from month to month by hundreds of dollars. I paid my December bill 4 days early. USAA then still attempted to take the payment from my account twice - both times resulting in a $29 fee - $58 total fee, because the payment was not there to take as it had already been paid early. They refuse to refund me the fees, the bank blaming the insurance side, the insurance side blaming the bank side. Both representatives I spoke to were very snotty.

The insurance representative told me that "payment was halted because you couldn't pay it on time" when in fact the payments were halted due to errors made by USAA, not me. USAA has NEVER not gotten my insurance payment. USAA has gotten too money-hungry and sees the military as a fantastic way to feed that hunger. This is not the first issue I have had with them, which is why over the years my accounts with them have gotten smaller and smaller. I will now be closing all accounts with them.
     
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Posted by Soaring Consumer on 2013-12-09:
I suggest filing a complaint with your state's insurance commissioner.
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Money for Advertisers, not Members
Posted by Jpn1 on 11/22/2013
I was denied a secured loan, due to poor credit number only (due to medical). My local credit union gave me the loan after I explained my situation, just at a higher interest rate. USAA now gives their money to TV stations for advertising (used to be just word of mouth, why TV ads???????) instead of loaning to members. We're just numbers now. Insurance products are still great, though.
     
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Legalized Extortion
Posted by MBATom on 06/18/2013
COLORADO SPRINGS, COLORADO -- I joined USAA after hearing that they were a great company with great customer satisfaction. I served eight years in the military and had heard some good things about them years ago. I called them and compared my current home owners and auto policy rates against what they could offer. They saved me some money, though not a lot. Still they seemed very helpful and were very courteous on the phone.

All the discounts they gave my family were based on us moving over all our insurance policies and opening a checking/savings account with them. For the first year, things were great. Then they did a ‘policy review’ over the phone and a month later my auto insurance increased from $280 a month to $391, which is a $1,332 annual increase. This increase was done without any notification or justification. So I called to find out why. They were unable to tell me why there was an increase. All the drivers on the policy were the same, all the vehicles were the same, and there were no accidents, claims, or traffic violations. They said sometimes the insurance just goes up and that even the actuaries can’t tell you why? Really! I have had policies with three other insurance providers and none of them ever raised my rates without notifying me first and explaining the reasons for the increase.

I am severely disappointed in USAA and would tell everyone, military or not, DO NOT insure with this company! They basically hook you and then try to extort money from you through premium increases that they can’t explain nor justify. I wish someone would have warned me. STAY AWAY!!!
     
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Posted by Jun on 2013-09-08:
Yes agree it happen with me this week after 5 years I've cut them off everything. Now new bank and auto insurance. They will creep on you
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Mortgage Department Is Incompetent
Posted by Mahodj31 on 06/09/2013
SAN ANTONIO, TEXAS -- USAA has been amazing in all other areas with the exception of the mortgage area. I purchased a home in 2008 with USAA and the process was smooth with no issues so I thought I would have the same experience when I looked to buy another home. I was very VERY wrong.

It all started with my mortgage processor "misplacing" my sales contract and delaying an appraisal for a month since they never called me to say they needed another copy. That was just the tip of the iceberg sadly. Every call to my processor was met with the same line "I haven't looked at your file yet since it has been so incredibly busy" and she would say everything is fine and they don't need any more files from me.

Fast forward to a week before closing and the title work is still not done (because it was ordered late), the appraisal from VA was ordered late and still hadn't come back, and they keep telling me I have credit issues surrounding an AMEX card that never had a late payment and with my overall credit score above 790.

Closing day came and went, and now USAA has an issue reading the VA appraisal stating that the crawl space needs to be deeper to allow for termite inspections (a project costing in excess of $10,000 and a termite inspection was already completed) and that some damaged tiles in a bathroom need to be fixed (even though I am gutting the bathroom immediately upon closing). I am still waiting on a manager from the Mortgage processing area to help but they are insisting I call the VA for clarification even after explaining to them that the VA will not speak to anyone but the lender.

I have been a member of USAA for 6 years and have purchased almost every single product they offer. Sadly, when I call to try and get assistance from higher, I get sent into a never ending automated phone system or get sent to an operator that can't help me because the rules don't allow them to.

If you are thinking of financing a home through USAA, save yourself the hassle and go with another lender. The exceptional customer service that USAA is known for has been going downhill for years and now they are no different than any other bank but seem to have more incompetent people than normal.

I am closing my accounts with USAA and moving to Navy Federal.
     
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Posted by Yvette on 2013-07-20:
Good for you! Run, don't walk to someone else. Unfortunately, all banks are money sucking liars.
Navy Federal is the best anyway.
Unfortunately, I'm no longer with NFCU because of bankruptcy due to divorce. Miss being a member, therefore, I'm stuck with USAA. They do suck!
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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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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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