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USAA Complaint - Don't waste your time with USAA - Checking/Savings Accounts
Checking/Savings Accounts - Complaint
One way to guess that a company has bad customer service is when there is no way to contact them via email through their website. Live and learn. My adventure with USAA began when I Googled "Online Banks" about 6 weeks ago because I have moved three times in the last year and was tired of having to change all my banking. USAA was the 2nd on the list, so I opened a checking and savings account. My mom carries a USAA credit card and their website said members had to either be a vet or the child of a vet, which I am. I opened the accounts with no problem, after providing information on my mother including her social security number. I transferred money into each account from my existing account at another bank. The following week, after I had received my ATM card in the mail, I called to activate it and was told I could not activate it because I needed to fax in a photocopy of my drivers license and my soc sec card. I guess I was supposed to have ESP to know that, because I never got an email or a phone call to ask me to send that information. I faxed it the following day from a nearby office supplies store, since I haven't had a fax machine in years. Who the heck faxes anything anymore?
Then, for the next three weeks upon trying to logon to my accounts on the USAA site, I got a message "your account has been locked for security reasons. Call fraud . . ."and a phone number. Each time I called that number I was told "it just takes a few days," and I politely waited and tried again the next day. After 4 or 10 of these calls, I got pissed off and made the dimwit on the line dig to see what was holding things up. After 2 to 8 transfers, someone told me that they had not been able to read the fax image three weeks ago when the fax came in. Three weeks ago! And nobody bothered to tell me! So I demanded an email address to send the information instead of a fax and they said "sure you can email it." Recall that I was told initially that it had to be faxed. So I emailed it, and three days later was finally able to get onto the website. And guess what? It showed a balance of $00.00 in my accounts. So back on the phone, and was now told that my accounts had been closed and a check mailed to me because I was not eligible to have an account with USAA. After 3-7 transfers, I got a Executive Supervisor or something, who said that I was not eligible to have a USAA account because my mother had never purchased insurance from them. Are you still with me?
So, instead of their website informing me I wasn't eligible to open an account, it accepted all the information, appeared to open an account, then locked me out of my own money, gave me the runaround, and sent me my own money back, six weeks later (they told me the check was in the mail). I wonder how many people's money they hold on to like this? Sounds like a scam to me. Stay away from USAA. They are either crooks or completely incompetent. In either case, I'm relieved to be getting my money out. I think they should be investigated. Mike Wallace, where are you?
Then, for the next three weeks upon trying to logon to my accounts on the USAA site, I got a message "your account has been locked for security reasons. Call fraud . . ."and a phone number. Each time I called that number I was told "it just takes a few days," and I politely waited and tried again the next day. After 4 or 10 of these calls, I got pissed off and made the dimwit on the line dig to see what was holding things up. After 2 to 8 transfers, someone told me that they had not been able to read the fax image three weeks ago when the fax came in. Three weeks ago! And nobody bothered to tell me! So I demanded an email address to send the information instead of a fax and they said "sure you can email it." Recall that I was told initially that it had to be faxed. So I emailed it, and three days later was finally able to get onto the website. And guess what? It showed a balance of $00.00 in my accounts. So back on the phone, and was now told that my accounts had been closed and a check mailed to me because I was not eligible to have an account with USAA. After 3-7 transfers, I got a Executive Supervisor or something, who said that I was not eligible to have a USAA account because my mother had never purchased insurance from them. Are you still with me?
So, instead of their website informing me I wasn't eligible to open an account, it accepted all the information, appeared to open an account, then locked me out of my own money, gave me the runaround, and sent me my own money back, six weeks later (they told me the check was in the mail). I wonder how many people's money they hold on to like this? Sounds like a scam to me. Stay away from USAA. They are either crooks or completely incompetent. In either case, I'm relieved to be getting my money out. I think they should be investigated. Mike Wallace, where are you?
Comments:
Posted by lobo65 on 2009-01-08:
I can't comment on your situation, but USAA is one of the few companies from which I have received stellar customer service.
Posted by RestaurantGuy on 2009-01-08:
I have been a member of USAA for over 21 years now. They are by far the very best company I have ever dealt with. In fact they insure both my house and car, my checking and savings account are with them as well as 1 of my credit cards. Now I cannot comment on your situation either but if anyone is eligible to be a member I would highly recommend you become one. They take care of thier members very well
Posted by goduke on 2009-01-08:
Ijust checked the website for usaa. It says nothing about the children of vets being eligible. It says that children of USAA members are eligible. Is it possible you misinterpreted what the site said?
Posted by exsausd on 2009-03-26:
Goduke is correct. USAA has changed its membership requirements from active duty or retired commissioned officers to active duty enlisted, but children of vets are not elgible to join.
Posted by skeletons on 2009-12-04:
USAA is crap. I was an active duty spouse, and am now divorced. I have an acct. with USAA and they decided to freeze all of my funds, with zero notification to me. I have had them for car insurance and banking with zero problems for years. Now because I have a fiancee who also has usaa and we share the same address they are freezing my funds because of some strange deposits to his account. HOW IN GODS NAME AM I IMPLICATED IN HIS COMPLETELY SEPERATE ACCOUNT???? I have never in my 30 years had such a degrating and insulting situation happen. I have 2 children who I must feed, bills to pay and they froze ALL OF MY MONEY pending an investigation.....FOR WHAT???? I had nothing to do with any transactions or deposits involving my fiancee......this is ridiculous and disgusting....When my funds are returned I'm discontinuing service with this crap bank...how dare they take my hard earned money and keep me from buying food and paying bills for some supposed negligent deposits on my FIANCEE's account......????!! So you're telling me if my dad had an account with them and he had a questionable deposit I would be frozen also??? get a life, this bank is ridiculous and the staff is even worse. Screw them. I'm done.
Posted by ldtmedic on 2010-11-18:
USAA closed our bank accounts because of a disputed charged to a company called 200cash.com ..They had charged my account for a their service that we have never used. This company is a payday loan service scam and Usaa sided with a company who scammed people for money ..We have been a member of usaa for over 5 years and one day they froze all our accounts and told us "WE DO NOT WANT TO DO BUSINESS WITH YOU ANYMORE" how dare them talk to us like we are criminals.. just goes to show usaa is not for who they say they stand for SOLDIERS and family... They are a bank who uses MILITARY name for their gains...My husband served overseas and is now sick because of the war and this is the thanks we get from a company he helped protect... No thanks to you usaa... WE DONT WANT TO DO BUSINESS WITH BANKS FOR SCAMMERS... WATCH OUT FOR YOUR MONEY ... THEY JUST AUTHORIZED ANYONE TO GET FUNDS OUT EVEN WITHOUT YOUR PERMISSION...
Posted by POt342 on 2012-01-07:
USAA is awesome.
Posted by Disappointed USAA on 2012-04-28:
I have 4 accounts with them for a year. One day they just cancel all my account with no reasons. What A SCAM USAA
Posted by hatethem on 2012-12-26:
my account has been locked for a little over a month and a half.
i just love how they lock me out of my account without any form of notification -.-
i just love how they lock me out of my account without any form of notification -.-
Posted by JDnHuntsvilleAL on 2013-06-07:
I can't even get a QUOTE from USAA unless I first join, which means giving them my birth date and SSN. REALLY? You have to give them identity theft sensitive information JUST TO GET A QUOTE?
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I said FORGET IT, and I bet LOTS OF PEOPLE turn away from them just because of this. If they are THAT secretive BEFORE joining, what are they hiding from their members?
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I said FORGET IT, and I bet LOTS OF PEOPLE turn away from them just because of this. If they are THAT secretive BEFORE joining, what are they hiding from their members?
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