USAA Bank

It went very well. They do a great job for military members.

In my ~20 years of membership with USAA I've been highly impressed by the quality of their service- in the last 5 years or so I've noticed that it's been declining however. It is now difficult to get an actual live human on the phone and they don't return phone calls in a timely manner (or at all sometimes). They have an iPhone app and a "Claims Communication Center" and apparently believe that technology replaces the need for good-old-fashioned customer service. A sign of the times perhaps but disappointing considering how good they used to be.

Awesome. Repairs were completed in a timely manner. No issues, no problems.

I have had USAA home owners insurance since 2004. I was able to become a member because my husband died in Iraq. On July 16, 2013 I filed my first claim because my LG refrigerator?s water line broke off and had been spraying water behind the refrigerator for at least 6 months. I never saw any water, all the damage was covered by furniture and cabniets. The only reason I found out there was a problem was when I called to get my ice maker repaired and the repairman pulled out the refrigerator and found the problem. I immediately called USAA. The representative told me that my coverage would not cover the replacement of the refrigerator, but would cover the repairs to get my house back to its original condition. I was honest with them and told them it had been happening for at least 6 months, but I never saw any water. The representative told me that for the repairs I should use USAA contractor because the repairs would be guaranteed for 3 years and if less than $10,000 they would not report it to my insurance company. So I agree to use their contractor, paying them my deductible on the first visit. They came out took pictures and assessed the damage. USAA contractors returned a couple of days later and put in fans and dehumidifiers to dry up what was already there. I was told by the contractor that in order to rebuild they would need to tear out drywall, cabinets, baseboards, and flooring in three rooms. I agree to it because USAA had already told me that they would cover the cost of the repairs. I just received a phone call on August 5, 2013 telling me after looking further at the pictures provide by the contractor they are no longer covering the cost to repair my house stating that the water damage had gone on for ?a while? and that was not covered under my insurance. They are however covering the cost of their contractor to tear up my house. They have left my house in unlivable conditions. My daughter is unable to get into her bedroom because the contractors moved furniture in front of her bed away from the wall. They remove drywall, insulation, baseboard, and now have wires exposed in her room. My kitchen has two cabinets torn apart, drywall removed (where you can see through to my daughter?s room), baseboards, and flooring. I am in a walker unable to walk and my walker gets stuck in the flooring and I feel that I am going to fall. They removed baseboards in other room where the damage was also covered by furniture. They have left a disable surviving spouse widow with two children with a torn up house, in a dangerous conditions. The only reason I allowed them to tear up the house was I was given approval that the house would be return to its original condition. Now that they know the extent of the damage they are refusing to repair it, stating that the water damage had been going on for ?a while? which is not covered under my policy, However I informed the original reprehensive of that aspect and she still approved the claim. I informed them that I am unable to reach my stove to cook food without fear of falling; they have stated they are not liable because to claim should have never been approved in the first place. For a company that goes on the representation that they take care of military and families I have found that this is not the case.

No problems. Have had USAA since 1984 and always #1 service.

This organization uses Customer Service in everything they do. They are always happy and treat you with respect.

My experience with them has been very good. I've been with them for over 25 years. I have checking account, mortgage, and our car insurance.

I was a USAA member for 17 years. Auto coverage for 10 of those years was unbeatable and other carriers couldn't compete. After I added my home in 2005 I started to see a trend. My home and auto rates started to climb inexplicably. My home rate actually increased by almost 100% without a claim. I was too enamored with their call center service (top rated call centers btw) and pro-military pitch to recognize I was paying double the rates of my neighbors. Neighbors who actually had much larger and more expensive homes. I gave USAA nearly 2 months to make this right but they couldn't come close to their competitors. Instead they wanted to make excuses for the rebuild estimate which was higher than their competitors and the "hurricane coverage" for Central Ohio due to wind damage from Huricane Ike. Yes, you heard that right. Central Ohio is now considered a hurricane risk area by USAA. Bear in mind, I NEVER submitted a claim but apparantly enough of you did to make USAA double my rates. Certainly consider USAA as a new member of the military as long as their rates continue to beat competitors. As you move up the ranks, keep a close eye on your rates and make sure they are not charging your extra to help offset the low cost for their newest clients.

We've been members of USAA for over 40 years. Occasionally have had quotes by other companies but will NEVER change after many experiences of superior service. Wish all companies had their standards.

Incredibly low auto rates! I had been a customer with Allstate for decades. Never filed an auto claim, never had an accident, never had a speeding ticket. Allstate agent told me year after year that I was receiving 'premier customer' rates, so I was apprehensive to change. Bought a house, needed insuranced, called USAA from a magazine ad. The service ratings all over the internet are A+, got a competitive rate, and started with USAA. The agent asked if I would like to get a quote on auto insurance, and I did. For the exact same coverage, USAA was less than Allstate for auto coverage that my homeowners insurance was 'free' - and I'm supposedly getting 'premier customer' rates. I was skeptic and took the quote to my Allstate agent. He had nothing to say, nothing to convince me to stay with Allstate. But he did give me another business card should I decide to return - though I would not longer receive 'premier customer' rates. Remarkable that with USAA I had full auto and homeowners coverage for what I was paying Allstate for auto.

curteous professional and helpful

As said above it was painless and quite easy, and I received a verble quote right then and there...An exte

To be very honest anf fair USAA is normally provides exceptional service, however the cost of other claims has affected my property insurance...this is not fair in the past three years it has gone up approximately 2 times the initial cost? In the past three years my home owners insurance went from approximately from $475.00 to approximately $972.00 per year for my home in Lewes Delaware....to me this increase is unacceptable....I could be off a little but the bottom line it went up approximately 75 to 95 percent in three years! I had to take some options away from my policy to bring it down from $972.00 to $902.00!

Made several contacts all wetre highly satisfactory

We have never had an issue with USAA. Their claims process is easy and efficient. They don't unfairly raise your rates. The cost is low. Although we have never considered changing providers, however we have been approached by insurers. When we see what another insurer has to offer, we are always glad we have USAA.

I had an auto insurance claim in January of 2013 and they handled it without any extra headache for me. They have always been wonderful for me and I havebeen with the company for about 20 years. They helped me when a tractor trailer damaged a trailer that I was pulling from Ohio to Mississippi about 4 years ago. They are always pleasant on the phone and they offer all sorts of help when asked.

We knew what car we want so we called USAA to talk about financing. They did much better then that. They gave us the name of a dealership they worked with that gave us a $5000,00 discount and offered a better rate then we could get anywhere else. We got on-line with USAA at the dealership and they sent the the check directly to them. We walked out with keys to our new car. We have our car and house insurance with them and have always had great service.

we love our patio and firepit! will definitely be using again! Prompt, friendly workers. Done in time quoted and for price quoted!

Although on occasion there are wait times when calling, the folks who answer the phone are knowledgable and polite. It is rare I need to call, almost everything I need can be handled on line - including depositing checks. I find their rates competitive (auto insurance, home insurance, car loans, mortgage loans) and know I will get excellent service. On one occasion I did not get the excellent service I am accustomed to, I escalated the conversation to a supervisor and received great service.

Long story short - I got transferred until I got to Citizens Property Insurance Corp. - which I was told to stay away from! So there's a hour on the phone I will never get back.

I have been a member there like forever. I have all my insurances with them including my home, auto, personal articles, lawyer insurances. I also have investments with them. They are the best insurance company. I used to work for them 15 years ago so I was able to compare what they did with whatever everybody else does and they are always ranked number one. People do not know about them because their automobile and home owner's insurances are limited to US military and their families but they have an excellent bank that does not have that limitation. They have the most competitive prices in the United States but that is their goal to be the lowest. You cannot make a blanket stable like that because the way the home owner's is priced is by geographic code. And so, they have a whole bunch of different prices depending on what code you live in. When I was young and I entered the navy, I was on a submarine. After a few months, the executive officer called me aside and he said, "Come here boy. I want to tell you something." And he told me how to check out USAA. Well, nothing has ever done that for an insurance company. So, I did and it made perfect sense since there are many accidents, home disasters and everything. So, I can recommend them highly now. It is probably the largest insurance company in the United States. They started doing some commercials in military towns but you probably would not see a commercial for them. It is just by word of mouth.

I went back to USAA after a HORRIBLE experience with them in 2010 which ended up in me having to find another lender. Other factors prevented me from buying that home in particular but while I was dealing with USAA, I never felt comfortable with how the process was going. The loan processor had very poor communication and organizational skills. I was asked for the documents repeatedly and she was always very short with her answers and I felt like it was a burden to her to answer relatively simple questions. I was given a closing date a month out which it turns out was unreasonable due to the nature of their processes and procedures. Two hours before closing I was contacted by USAA who informed me the loan could not yet be approved. Absurd. The closing was pushed back another month. The poor communication and requests for documentation I had already submitted continued. I finally gave up and found another lender who it seemed was night and day from USAA. What made me go back to USAA in 2013? To be honest I tried to give them the benefit of a doubt. Maybe I just had a bad loan processor. Maybe it was just the economy at that time. Maybe I'm just a glutton for punishment. Who knows but I gave them a shot since they had a fantastic rate. I will say this experience was better than the first. Communication, albeit slow, was far better but no where near what you would expect when dealing with something as important as a home purchase. I still found it impossible to reach my loan processor by phone. She answered 1 time out of about 20 different calls on different dates. On the occasions I left a message, my calls were never returned. I basically had to wait until she was ready to call me. I still submitted the same documents several times but not as frequently as the previous dealing with USAA. Six days before closing my loan packet was sent to the underwriter for final approval. Meanwhile, while waiting for USAA to complete their process, I am a nervous wreck. Partly due to my prior experience but mainly due to the lack of communication and odd requests for documentation which clearly wasn't required. This continued until my final approval was granted. I would equate this experience with waiting for your doctor to tell you the results of an HIV test. Only the doctor doesn't read the results of the test for a month and calls you to inform you of the results on the day of your wedding. If you want to maintain high levels of stress and anxiety for 6 weeks or more feel free to use USAA home mortgage. I am a long time USAA member with insurance, banking, investment, and credit card accounts. USAA's banking products and customer service are phenomenal. It seems like USAA is trying to improve the home mortgage service due to extremely low feedback from customers published on their own site! Take a look at the feedback and make your decision. Although I would suggest you just stay away from USAA home mortgage services until they get their act together.

Across the board, they are great to work with. Their customer service is outstanding. When I call with a problem, the issue is almost always fixed immediately when I am on the phone. There is never a significant wait to talk to a customer service representative either.

I have been a USAA member for over 15 years and have only positive things to say about the company. We have many of our financial services through them including our auto & homeowner's policy, credit card & mortgage through them. Whenever we have an issue, accident, etc, they are always very prompt, have great advice & honest competitive pricing. Their customer service has always been great as well and I am very picky about service. I highly recommend them to anyone!

My husband is a WWII vet. We wanted to look at USAA for homeowners insurance. Other family members had had good experience with USAA banking. Trying to get registered on USAA's online website did not work. It kept saying we needed to call. So we called and talked to an agent. It took about 25 minutes to walk through all the dates and other information he needed to verify we were eligible. He then quoted us a price for homeowners insurance which was way higher than what we were already paying. We asked about just becoming members of USAA so we could look at other things later or our kids could be eligible without having to walk through all the questions again. He would not even consider it. It was a very bad experience. The agent's rudeness was unexpected and left a very bad taste for USAA.