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USAA

3.0
54 complaints

Address

9800 Fredericksburg Road, San Antonio, TX, 78288

USAA customers report severe frustrations with fund holds lasting days or weeks, poor customer service requiring hours of phone calls with little resolution, and inadequate fraud protection. Long-time members (40+ years) express deep disappointment with declining service quality, particularly around claims denials and account access issues.

Common Issues

25% (6)
holddepositfunds
30% (7)
hours on phonerepresentativesno help
20% (5)
fraudforged checkidentity theft
15% (4)
claim deniedinsurance claimwindshield
10% (2)
40 years50 yearslong-time member

Complaints

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Santos Salazar Jr

Jan 15, 2020
0

This is in regards to automobile collision I had with a USAA Insurer and my total loss settlement. My reference # is 27933792-20 and my name is Santos Salazar Jr.

Simple enough, my total loss settlement offer is completely unfair. It has been a constant back and fourth with the CCC Adjuster evaporators not having enough knowledge about my vehicle to deny my counteroffers while continuing in their wrong lack of effort.

My toyota yaris was totaled on november 15th and my first settlement offer was 5329$ or so and this morning it was increased to 6026$ or so. The issue here is that my car keeps being compared to 2 door hatchbacks and all my qualifying vehicles for comparables keep being denied. It seems like the options are being monopolized and I feel no fairness or justice in the process…

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Horry Frost Prioleau

Oct 2, 2019
0

My car's windshield had 2 cracks and had to be replaced and safety calibrated by Subaru. 00 quote from a far-away Safelite to whom I was referred by USAA. I had a $1,000 deductible policy with USAA. After numerous conversations, I received a USAA letter authorizing me to proceed with the dealer.

60 and asked for reimbursement from USAA. 10. In all our conversations, USAA failed to warn me that the bill would be adjusted down, which would give me a chance to find a lower cost installer still acceptable to the dealer who owned the car.

USAA auto claim 4879722, referral 794791. 50. 10).

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fallis l copp

Sep 13, 2019
0

I was told that if I opened a bank account I could get discounts with your company. when I asked about auto insurance and being I live in florida the rate was too high, but progressive could beat your company.

( I opened a credit card account ) so when I called back about my free tumbler I was put on hold for at least 15 min first time , then switched to someone else and had to repeat my self and was put on hold another 15 minutes because they did not know anything about the tv advertisement..

I just hung up , not very good customer service.

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Erlene Harris

Sep 10, 2019
0

We have many issues still unresolved from home damages that occurred due to Hurricane Michael. We have asked for documentation identifying exactly what USAA paid us for and have been getting the same run around from Alan Willis, our adjuster, for months now.

We have called his direct line and left voice messages for over two weeks and have still not received a reply. Our contractor is very upset as well. Please provide guidance on what direction we need to go.

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Gary Sherwood

Aug 5, 2019
0

RE: USAA Reference Number: 005291926 - 11

Hello,

A rock chip cracked my windshield on my new Audi. As I am insured with USAA, I was instructed to take my car to Safelite. Over the phone, the Safelite representative said the repair would cost less than my deductible. However when I brought my car to the shop, a different Safelite rep said the cost would exceed the deductible as they had to recalibrate the electronics within the glass, Had I known that beforehand, I would have just brought the car to the dealer since it's a new vehicle. However, since I was already there and needed the windshield fixed, I told them to go ahead. Later in the day, the Safelite rep called and said they replaced the glass but couldn't do the recalibration as they didn't have the correct software. Therefore, I…

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Nicole Rhodenbeck

Jul 16, 2019
0

WOW.

I have talked to at least 20 reps both online via the chat function and spent HOURS on the phone.

My father is a military vet so when I decided to switch to USAA for banking because my old bank, Bank of America started charging me $17 a month to use my account, I thought it would be seamless and simple.

WELL I WAS SUPER WRONG.

I haven't had access to almost $4k in my bank account for weeks due to a 'deposit only hold' that was placed on the account when my father, who called in March to confirm his identity and service, was told he now had to upload multiple documents to regain access.

I have sent in the documents 2x both on the app itself as well as uploading them on the website.

I was told these would be received within 15-20 minutes. It's been two weeks and they just told me…

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James O'Neil

Jul 12, 2019
0

I've been a customer for almost 40 years. Recently someone forged a check on my account. The signature didn't look anything like mine and was spelled wrong. USAA tells me that it wasn't fraud. " I've spent hours and hours on the phone to no avail. I trusted them.

Don't make the same mistake.

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ken horton

Jul 2, 2019
0

My days of bragging about the USAA Insurance Company are over. Rather than increasing business with this company I am now looking at other options. This is due to the handling of my claim #034968668-003. A burglary and theft are unsettling and Orlando Bayona, has done NOTHING to help.

It's a BIG BUSINESS that prays on Veterans. This company is wanting to settle my claim for less than 15% of the value of the items I had stolen from my home. It is so sad. I used to really like and speak highly of USAA to my friends and on Social Media.

You guys let me down. insurance speak..

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Susan E Harris

May 14, 2019
0

I experienced an error on the website. I called and asked for assistance to review error and I was told that there was nothing that could be done. USAA REFUSES to assist me as a customer. They have insured me since I was 16 years old (47 years ago).

I have ALL my insurance with them. The website is very difficult to navigate and when an error occurred regarding them taking money out of wrong account they refused to help. within minutes of seeing that there was a problem.

They have told me that I cannot make payments out of more than one account because they cannot keep track of more than one account. I tried to make manual payment out of different account and the website would not take it from anywhere else and they took it out of an account that was not authorized by me for payment.

00…

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Michael Amengual

May 2, 2019
0

Good morning,

i aplied for refinance loan.was appo\roved.loan numbe# 3001797988. i was sent a list of requirement information which i sent back the very next day april 2, 2019. Received a call from Giovanny Rivera and we went thrun the list and she said that all was missing was termite ispection and the appraisal. House was appaise at 275000 and i submited the termite inspection and invoice, Ms Rivera said will be closing on the first. I was waiting to close the loan so i E-mail Ms Rivera. for status. On the 30 of April she calls me at night to tell me that i needed to submit more paperwork and she needed awater test report with invoice. In no time a water test was mention and if more paperwork was needed why did she wait until the 30 to tello me.Also, the water test was added at the end…

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Randall Bchman

Apr 21, 2019
0

Worst customer service I experienced in many years. After twice having my credit card denied for purchases and six complaint calls, three for the credit card section and three for the main office, still have my card blocked for absolutely no real apparent reasons. If this is any indication how they take care of business, excuse me, I don't want it.

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keith parsons

Apr 19, 2019
0

usaa no- 004 940 862

Please leave me alone, I do not wish to do any banking business with u. Opening an account last week with you WAS A MISTAKE, I have had nothing work for me, your websites do not or did not work and when I contacted u to resolve the issues in was treated like a criminal and liar, passed around departments, one smart mouth girl informed me its not your fault your website was down and for me to stick it in the mail. I have wasted hours in dealing with you. I will keep with my bank I have had since 1989 thank you! I understand that if I do nothing and give no more permission to paperwork you send me, then u will close the account which is what I want, please close the account, if it was ever open and do not bother me again.

thank you

Keith Parsons

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Angelique Hamilton

Mar 14, 2019
0

Yesterday 3/14/19 fraudulent activity occurred on my account. Someone, somehow created an additional savings account under my name without my authorization. I was advised that someone may have hacked my log in information. 00 was transferred out of my individual account into this random savings account that has now been created under name.

That same day who ever did this transferred the money from that account to some random usaa account. It is clear where the money went and that this random person supposedly by the name of (Kyle Webber) had an account with USAA.

I have spent over 4 hours on the phone since yesterday trying to get my money back (getting dropped to random areas, sitting on hold for extended periods of time, agents disconnecting the call me after holding for 25 minutes). I…

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Scott Davis

Mar 7, 2019
0

I have been a member of USAA for over 40 years and have ALWAYS received courteous, accuurate,,and prompt service. I have auto insurance currently have auto insurance. I was in Little Rock Thursday of last week and parked in a parking lot.

Upon leaving another car and I bumped each other bumper to bumper as both of us were exiting our parking spot directly behind each other. there was no damage on my truck. The other car exited the scene without stopping to see the damage.

I called USAA to inform them that the two cars bumped each other and I had no damage.. The claims adjuster, Matt, insisted on filing a claim. This angered me as I just wanted to file the report in case someone filed against me and I argued with Matt about this.

At first, I told him I was stopped which was not true and…

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Anthon Johnson USAA # 60-92-72

Mar 6, 2019
0

A USAA member for 50+ years and have since joining purchased all my insurances and most of my investments from the Association. Having never questioned the premiums paid assuming USAA was covering my SIX and providing me the best rates and coverages.

00 annually while never having a homeowners claim in 40+ years. Inquiries with the Association Staff have resulted mostly in being ignored or told increases are expected and would continue in the future. I have shopped the policies with USAA affiliates (Chubb/Pure) using USAA as communicator with some satisfaction, but outside companies State Farm, Progressive, and Farmers are all lower using the same coverages offered by USAA.

Why am I being treated with less concern and overcharged by USAA?

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Shawn P Mcelhinney CPIM CPCM PHD

Jan 24, 2019
0

USAA has serious issues regarding electronic funds transfer act compliance on consumer disputes in addition to serious issues in insurance claims failure to follow states laws in a. obtaining info from party in accident b. failure communicate and unfair underpricing accidents thus causing undo stress to our nations armed forces .

I suggest the usaa customers contact DOD Inspector General, Comptroller of currency. FDIC and state insurance agencies, file complaint and even file suit as arbitration as stated in their policy can be waived and suit moved forward when GROSS NEGLIGENCE IS INVOLVED.

A Friend who has endured over 7500 losses in cash, son couldn't pay tuition cause money my tust gave was stolen and usaa did nothing but credit acct then reverse credit without one word. Time to seek…

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mary johnson

Aug 17, 2018
0

My husband and I have been USAA members for 40 years. In April, we added renters insurance after talking with your policy representatives. We asked if we had to leave our residence due to a hurricane if we lost power for a period of time or if we had to be out during any renovations on our building.

We were told yes by your representative. So, we added it to our policy. We called to file a claim yesterday and was denied coverage because our building was being renovated. I have never been so disappointed and hurt by such deceit by USAA representatives.

its totally abhorrent to be outright lied to by your representatives. I'm not sure if we can continue any more business with you. USAA no longer has any integrity. I am also going write to the CEO and board and inform what a disappointment…

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kens body shop

May 13, 2018
0

every bill or estimate that is sent for a claim they call back and try to cheat everyone and not pay.. must go to school to cheat people!!!! last customer I had they would not call for 2 weeks - then when they did they cut down labor-paint-parts -refinishing !!!!

turning into sd state insurance bureau

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JERRY T HODGES JR

Apr 19, 2018
0

My membership in USAA EXPIRED IN FEB. 2018 (HO ins) AND I WAS ADVISED THAT ACCUMULATED (CAPITAL)_ RESERVE WOULD BE REFUNDED ($5K+).

wHAT IS REQUIRED TO SECURE THIS REFUND??

My SSN: 556-40-32452

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Richard Merrick

Mar 14, 2018
0

We have had to call them 4 times to try to get the correct address assigned to our renters (now also umbrella policy). They keep using our old address... VERY frustrating!!

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John Ferguson

Feb 22, 2018
0

Having a hard time getting usaa auto ins. claim file on my automobile

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Billie Earl Gladney (13160250)

Feb 14, 2018
0

Windshield Claim process. On 31 January 2018 I was traveling south on 35 fro Desoto Texas to San Antonio, Texas. A rock struck my windshield and the crack increased in length to 13 inches. I contact USAA insurance and the USSA employee forward me the third party windshield company safe lite.

The windshield company took my information and stated safe lite has no windshield for my car. (BMW 2015 X5). Over the last twenty years with USAA this is the third time I replaced windshield on my cars 1994 Ford thunderbird, 2002 BMW 3 series.

When USSA third party windshield company replaced my windshield they did not provide to correct windshield for my car. After the replacement the wipers on the BMW 3 series failed to work. Since I had experience with this action I requested BMW to replace…

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Eric Robb

Feb 6, 2018
0

Trying to get an issue resolved. No one is taking control of my situation. It's been a couple weeks with promises of call backs that never came. I am disabled and can't be without transportation. If you would review my file 02620638 and get back to me that would be great.

Your urgency in this matter would be appreciated. It's been way too long already! There are some other issues as well that I would like to discuss over the phone. Quite frankly I wouldn't even give them one star!

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FLOYD W CARTER JR MBR #1017759

Nov 14, 2017
0

I recently

I have jhad a $1M term policy with USAA for the past 15 years. The USAA follow on far exceeded my budget.and I began to negotiate for something more reasonable. On OCT 21st a young man (MR GONGORA) told me had something for $172.xx per month and he said he was putting into place and would be refunding the balance of the $ 415.xx I was currently paying. all of a SUDDEN, MY ACCOUNT WAS DEBITED FOR $1629*XX. NEITHER MY WIFE OR I HAVE BEEN MADE TO UNDERSTAND THIS GREAT DISPARITY. SEEMED LIKE A LOT OF CYA THAT I HAVE NEVER EXPERIENCED WITH USAA!! I\I SENT TWO FAXES AND NEVER RECEIVED A REPLY . ONE FAX LED OFF WITH ' IS ANYBODY THERE? DOES ANYBODY CARE? AND IT HAD NO EFFECT!!!! I BELIEVE THIS MERITS A CORPORATE REVIEW

11

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Susan Ferlaino

Sep 20, 2017
0

My husband was in a car accident yesterday. My phone is blowing up with calls from the other insurance companies involved. Our USAA representative said not to take the their he will handle but I can't get a hold of him.

We got a call from the company that towed the car to their lot. Telling is that Copart will be picking up or car to be evaluated to see if it is totaled. I do not trust this company and will have a independent shop pick up our car tomorrow.

I have had your insurance for over 30 years. A couple year ago my pickup was in a hit and run Copart gave it a total loss the next day I spoke with one of your adjusters that told me this was an error.

At that time the title was changed and it was already sent to Miami. I feel that my trust has been compromised. I don't quite…

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Robert Leiva . Jr

Jun 28, 2016
0

Called USAA corporate today at 3:30 to make a phone payment thru your new automated phone system , tried several times to pay my phone customer code 909, automated system stated transaction did not go through for $65.00 dollars, asked for a representative for HELP and to make my Lan line payment she stated sure and would charge me $ 5.00 dollars. I stated I was having difficulty and have been a ATT customer for nearly 30 years and she stated that was ' nothing'.

Then asked for her supervisor , then Mgr-Jada came on line I stated again and again did difficulty I was having with the new phone automated system, I asked for her help and she stated she could make phone payment with a 5.00 dollar fee, I asked if she could waive it and she stated " NO ", that 30 years of being a customer to ATT…

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Corey Evans

Jun 21, 2016
0

I applied for a loan for renovations on the home.This process took almost 3 months I had 3 different closing. 3 different loan officers due to one was no longer with company. The other 2 loan officers shifted blame and didn't know what to do. They asked 10 times who was my home ins with advised USAA. They lost a lot of my paperwork which i had to take off work to do. And after final closing the day before close they call me and say they don't have that type of product for the loan.

They wanted me to fix the things I was getting the loan for ie gutters, windows , central heat and air. this is what the loan was for. As i explained when i first called to applied for the loan. This was the worst experience I ever had. They are supposed to help veterans. I am a veteran i would not recommend…

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Darren Baudoin

May 22, 2016
0

I have been hit with identity theft 4 times to date. Usaa knew that someone was calling claiming to be me. In January of this year someone use a crowbar and broke into my home. Only documents was taken. I was on assignment or for 30 day when I was hit the fourth time.

I used the app which Usaa suggested. It failed me miserably , it was inaccurate. I had $7800 dollars stolen out my account. I called and the representatives put the information into their computers wrong and they did not let me submit documentation on my behalf.

They shuffled me from department to department. One representative said it was my fault and I have to take the loss. I am out all my money facing bankruptcy. I am not amused about the maltreatment and the incompetent behavior I have been receiving.

All I want is my…

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Daniel Lee

Apr 14, 2016
0

Upon arrival to General Motors Fort Lauderdale Deerfield Beach GMC. Failure to follow policy and procedures. Refused to do campaign safety recall. Refused service remove the car from property on off arise totally across the street and into a storage lot where it was left off property and a phony fraudulent repair bill was sent to an insurance company USAA without any signatures on a work order

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Elmer Fobian

Feb 16, 2016
0

I have a complaint about the USAA corporate office. On 14 February @ 1205hrs I was involved in an auto accident. I was hit by a red pickup truck driven by a man in his eighties.The man was very nice and admitted that he just did not see me. We exchanged insurance information and I called the police that we might have a police report of the accident. I also called his insurance while waiting for the police to arrive as the elderly man produced an expired insurance verification form.

This accident was not much more than one mile from where I live. At the time it was thought the car was safe to drive and after the police took all the information from both parties, he released me and my vehicle which I drove home. While driving my vehicle home I discovered that it would make strange rubbing…

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Randy Morris

Jan 5, 2016
0

I am a disabled veteran and have a checking account, 2 investment accounts and 2 vehicle insurance policies with USAA. I have been depositing the same weekly payroll check via the USAA mobile app into my USAA checking account, for the same amount and drawn on the same corporate bank for over 2 years without problem. My funds have immediately been available to me in the past.

USAA has begun to "hold" my checks for the entire deposited amount for 8 days before releasing and allowing access to my funds. Just yesterday I deposited a payroll check so that I could pay a car insurance premium and was stuck with a "hold" on my check until next week. I had the same thing happen on a deposit in late December, 2015. The hold is placed on the deposit for 8 days and then the funds are made available.…

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Cristian Munoz

Dec 11, 2015
0

Involved in a car accident on 4-25-15 after 8 months I still have no vehicle when the vehicle should have been totaled. The cost of the repairs so far are 32,000 dollars. USAA is not helpful at all stating that they are just SORRY!

Very unprofessional and I cannot believe that after 10 years with the company I get treated like a nobody by USAA customer service. So much for all those joke of a commercials about helping us out. The vehicle is still not repaired and no one seems to care!

Great looking out for veterans... not!

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Deran Tolbert

May 19, 2015
0

I have bills that need to be paid and USAA is holding every single dollar that I have just deposited on the 15th of May 2015 until the 27th of May 2015, but the check has been verified that it is a good check from a legitimate bank. I received the check from my 401K investment account after changing jobs in April 2015. I have had some negative actions, but I feel that has nothing to do with holding your funds after they have been confirmed by the other bank (providing the check).

This is an inconvenience that I'm going to have to pay more for late fees. This has happened for the last several times. I will be leaving USAA and setting up an account with NAVY Federal or one of the other credit unions. So USAA will never have to worry about my negative actions. I will never deposit another…

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John Collins

May 1, 2015
0

I have bills that need to be paid and USAA is holding every single dollar that I have just deposited for 9 days. Now, because of this inconvenience I'm going to have to pay more for late fees. This is the second time this has happened.

I will never deposit another check into this bank ever again.

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