USAA Complaint - Inconsistent customer service and misleading credit card application
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 mintues 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.