USAA Bank

My first question when starting this application was if USAA would lend on a high rise condo. l was told yes and provided all relevant documents. We received almost no feedback and had to call for updates. We were informed everything was fine and the application had been submitted to the underwriter. After hearing nothing for a week, we called again and the processor told us she couldn't understand my pay. My pay is not complicated, no other lenders have any difficulty with it. At this point we are getting nervous because the closing date is getting close. USAA is not calling us with questions but every time we call, they have questions that are holding up the loan. After weeks of this and mountains of unnecessary supporting documentation, we contacted her supervisor who had no trouble understanding all the things that appeared to stump the processor. He submitted the loan finally with a high priority (our closing date was now a week away) and guess what..... they came back with "they can't loan on this high rise condo". That was literally the first question I asked USAA. So now we've missed the closing date, I have a hard check on my credit report which lowered my credit score, and I'm using another lender.

They are very attentive. I've been with them since 1972. They are extremely competitive with other companies.

My own insurance company appraised the damage at $9000. USAA didn't pay out well on my insurance claim. They only paid me $1000 and the hole is still there in my house.

They provided insurance for us in the past and we are always happy with their service. They are always responsible, available, and punctual. They sent a home inspector out to inspect the property so they check to make sure that we weren’t underinsured. Then they came back and said you are underinsured, you need more insurance, and I said no we don’t.

I've had them for 50 years. We can pay it monthly or all at once, or however. For Baltimore, I am paying about $700 a year, but that's not the real cost. It's not a company that has stock holders. Depending on their losses, we get money back by the end of the year. I get 2 checks from them. One for length of service that I've had with them and then another for the leftover money after all the claims have been settled so that they don't accumulate too much cash. Instead of $700 a year, the real cost to me is probably around $350. I carry a pretty hefty policy in terms of living and stuff. I don't want to lose any assets that I have. You can't beat them. I had another car totaled in front of my house by a drunk driver. I've had fender benders. I've been driving for 60 years and I've had an insurance with them for 50 of those 60 years. I probably had 3 or 4 minor fender benders, either people hitting me or me hitting them, or there's not too much damage. I fell asleep on the wheel based on medication. I was on some beta blockers that I just fell asleep on Route 66 and went off the road and totaled my car. Another total was when the car was parked in front of my house and the young woman hit it. It was hit and run. She hit my car and somehow managed to drive her car off, but she was tracked down and found. Her dad was a navy captain who also had USAA. They filed both claims on totaled cars very promptly. They are very fair in their assessment of the value of the car. If I have kept it in good condition and I have receipts for what I have done to it, they will give me more than Blue Book value. I had my car broken into here in Baltimore just a couple of weeks ago, and I had the window replaced where they broke in to get into the car within a day using USAA and a local company. The guy drove out and fixed it right away. They have a deal with these companies around here where we use the company that they recommend. It was like $213, but if I had to pay for it on my own, it would have been $386. By using USAA as a coordinating outfit, I saved some money. I can't say enough good about them. They are just really good. At first it used to be only for officers and then they opened it up to other than spouses of those people so now we can have second and third generation family members who never served in the military but can deal with the company. They did that in order to keep expanding their base. They are very good.

USAA treats cars with more dignity and respect than human beings. This is a human rights violation. I know this from having had to file a car claim and a separate Personal Injury Protection (PIP) claim with them. As a 34 year member of USAA, I am so disappointed in the company that my father ? a Navy Officer ? has relied on to protect his family for 65 years. They have let me down terribly and so far almost 3 years into my claim have not owned up to it. Here are some facts you should know: 1. This insurance is offered to Military People and their families and this company is based in Texas, USA 2. The Board of Directors is comprised of 14 individuals ? all of whom are military people ? with 3 women Directors on Board. Note: I don?t believe any of these individuals have any sort of medical/health related career background. I would expect an insurance agency that is concerned about their integrity and making informed decisions about how they conduct their business to have included individuals on their Board with this sort of background. 3. Their Executive Council is comprised of 13 individuals ? with 2 women executives 4. This is a male dominated company with little valuable and critical female input into their business equation Facts concerning my Personal Injury Protection (PIP) problem amongst others with them: 1. Personal Injury Protection (PIP) is mandatory car insurance in the state of MN. PIP is considered no fault insurance. It will cover a non moving vehicular accident injury and is to include things like medical expenses, lost wages etc. The way USAA treated me from the very beginning of my claim with them was that that they weren?t responsible for my injury claim (in other words ? I was at FAULT and this wasn?t really ?no fault? insurance). 2. People have Auto Insurance because getting into a car is a dangerous thing. I know this because in January 2012 I sustained a serious injury to my neck upon entering my vehicle where my neck snagged on the door frame as I sat down ? it was like being momentarily hung by my neck. This sort of disc injury continues to swell and become more painful over the course of several days. The urgent care doctor 4 days later suggested putting me on Fentanyl (that was how bad the pain was). An MRI several weeks later confirmed the worst ? that I had herniated cervical discs in my neck from this injury. This sort of injury takes years and sometimes surgery in order to heal. I am still suffering. 3. My health insurance carrier denied my health claim as this was deemed a PIP claim. 4. I made a claim with USAA several weeks later and they didn?t do a thing for me. 5. I filled out the forms they requested and submitted them. They received and were aware of my health care visits and need of care and the benefit that I had been paying for all these years and was rightfully entitled to. I have needed time off work, someone to clean my home, massages, follow up medical care and imaging and therapy, home traction unit, etc. 6. I am a single mother with no sick pay from my job, so I continued to work around the pain of my injury (I had a boss that was flexible with my schedule at that time). I don?t have any one else in my home to care for me and my son. For many months into this injury my schedule was like this ? work when I can get in to work, go home and take strong medicine and get ice pack and go to bed and ask my high school age child to fix dinner and do all the stuff I would normally do. Still no bills were paid even though USAA knew of the dates of service and the clinics that I went to. 7. Approximately 6 ? 7 months later I get a letter from USAA that they were closing my claim (no bills paid) and that if I disagreed with this that I would need to get an attorney or go through arbitration. Both of these options cost money, and as an injured single mother, I was already stressed to the max, and I didn?t have the strength (remember I am an injured person!) or money to do either. Any money that I would have used to obtain legal help or go through arbitration (which requires going through more medical expenses) went to pay the outstanding bills for my medical services received (in the thousands of dollars). 8. I went without the care that I needed. I couldn?t afford to pay for the care out of my own pocket. I continued to work because I am a single mother. I had very little assurance that this company would pay me anything from the beginning. 9. I have talked to multiple attorneys offices and they said that it is hard to find attorneys to take on these sorts of claims because by the time they fight the insurance company, there is little left for the victim. 10. I was also informed that insurance agencies such as USAA are systematically proceeding in the manner that they did with me with other customers as well in order to save money. These legal professionals were able to tell me, in detail, the method for non payment that insurance agencies are proceeding with. They were able to tell me in detail how they treated me without me even telling them which included time lines as to when you receive their letter and when they will make a first payment, if any. I could go on more, but bottom line is if you are considering USAA for your insurance needs, look elsewhere as they have let me down big time. I suggest going local where you actually get to talk to a real person. I have been a licensed healthcare worker for many years and I would never, ever treat an injured person in the manner that they treated me. When my car was injured, they were so helpful, but when my body was injured, they dragged me through the mud and this experience has ruined my life. I can't say that I feel protected or served here.... Signed, Still A. Suffering

They are great, and I have been using them since 1976.

I had them for 10 or 15 years. They were quick and accurate. It is a little pricey but it's worth it.

I like them because I can go online to get all my information and they are always there 24/7. If you need any ATM anywhere, you can get refunded up to 11 dollars for a fee.

For my car, it cost $800 a year. They are good and efficient. They respond well to claims.

My complaint is about USAA Financial Services, but this review has to include their affiliated USAA Auto Insurance Company in order for me to appropriately review them.. I am a 34 year member of USAA. USAA Financial Services failed to insure the vehicle that I was financing and insuring through them for weather related damages that routinely occur in my part of the country (MN). They also don't interface with their other groups that are under their umbrella(with holes in it) of insurance. Facts: Car loan with USAA - and insured the car with them My car - a VW with approximately 123,000 miles on it Car died during a 3 - 4 day run of seriously cold weather in MN (-17 degrees F and below) My car had catastrophic engine failure due to the cold weather. When an engine fails, it usually eats itself on the inside and it is very difficult to figure out what went wrong inside the engine at that point. I have had auto technicians from the place I towed the car to other engineers and mechanics as outside opinions (my log of opinions in my favor is growing every day). The professionals asked (that understood the situation as such) have said the same thing - the engine was more likely than not have to have failed due to extreme weather conditions. It would be my understanding based on what I have learned that looking at the inside of the engine may not even be necessary to make that determination as it was more likely than not the conclusion. My car engine had plenty of oil in it and had routine oil changes and no leaks. Extreme weather like this is a common occurrence in places like Antarctica and MN where the temperatures are in that range sometimes. My car that they financed and insured through them should have been covered. That being said, I have a dead car - apparently worth nothing - the VW dealership said they would give me $500 for it! - and an auto insurance agency (USAA) that apparently only insures vehicles according to TEXAS weather related damages. I believe the insurance agency should have insured my car for weather related conditions for the area of the country that I live in - not just TEXAS standards (tornados etc.). I have not paid on my car for 10 months now and I still have my car in my possession. I loved my VW and I am not only disappointed with USAA Financial but their affiliated Insurance company because they didn't protect me in a manner that would be reasonable for the area of the country which I live in. I am also holding on to this car without payment because my auto insurance company hasn't paid me for a Personal Injury Claim - covered on another review. This is why I joined Angie's List and this is why I am going local - 34 years of membership with USAA and very few auto related claims and this is how I get treated? I don't trust these big insurance companies (USAA) to be people friendly, trust worthy, progressive minded, or operate in a manner that indicates they care about me as a person, about being fair, or caring about my business. Looking for some great local insurance companies to take care of insuring me and my family!

Several years ago I had some claims for hail damage on the roof . They were very good and understanding. They told me exactly what I needed to do to be reimbursed. They reimbursed everything. The roof was totally covered. They were very professional and very easy to work with.

WE have been members oF USAA for 50 years . . They wee out standing during Katrinns . Eveery problesm we had from roof replacet to landscaping destruction . . Everything was taken are of promptly . We had an incident wit a rude agent a fe .

All my kids have their insurance with USAA. They did business with military officers, and then they started doing business with their families, and now they do business with just about everybody. It is a totally different experience doing business with them, they are very competitive. It is kind of like a family, and it is a good outfit. When I first got into the army, I had my insurance with a small town company, and people kept telling me about USAA, and when I joined them, I was happy. They are big and they can be pretty difficult sometimes.

The payment is part of our mortgage payment.

They have the most amazing customer service in the banking industry. When you call them, you get a human being. They really focus on service members and they are really great about remote checking and dealing with things. We don’t pay anything on our check-in, savings, or our credit cards, which is nice. We just pay for our car insurance and house insurance.

I had them for 45 years. I have both auto insurance and health insurance with them. They are the best. They have the best prices for both coverage. Anybody can join but you have to have some association with the military to be a member. The cost depends on what kind of vehicle you have. They are the best company to go in.

I have been with USAA for over 26 years and use them for all of my banking needs, insurance, loans, etc. They have always gone above and beyond my expectations until I contacted them for a mortgage loan. From the first phone contact, the agent was awful. I would not recommend them for their moving advantage service or mortgage loan.

They are fantastic. We've had numerous claims with them for things over the years and they are easy to deal with. I will continue to use them.

I made a phone call and within thirty minutes a tow truck was there. They followed up with us multiple times throughout the day and a few days later to make sure everything that was needed was done.

I think that their prices are extremely reasonable. I am planning to register for their medical also.When you do this multiple packaging they give it to you at a discount.

They got there in a timely manner, they are courteous and the customer service was excellent. The guy came in and got me in and out with no problems.

They had it dried out immediately. But the flooring took until the next year. It was April to get everything. I had a deductible and then I ended up paying for all the $1200 of the flooring. USAA is great. I didn't have any problem with them. They suggested the people. The people that came out to dry it out were there the very next day. We just went through what we had to go through. They were courteous and did a good job. I didn't have any mold. They knew what they were doing. The next thing was the selection of flooring and what I was going to put down. That took time, just for me to decide. I wanted to upgrade. That's why that took a little bit longer. That's why I ended up having to save money to get $1200. The insurance had a claim for carpet cost and I wanted to upgrade into wood or vinyl flooring. So there was a $1200 difference I had to come up with. But they were very nice and very good. It turned out real well. I've been with them for years. I trust them very much.

I have auto insurance with USAA, I was walking in a parking lot and hit by a car. USAA paid out $10,000.00 PIP and $5,000.00 Med Pay as agreed under the policy terms, then subrogated against the drivers Auto insurance (Allstate) for $5,000.00 in regards to Med Pay which I had paid a premium for on my automobile policy with USAA. Now Allstate, the insurance Company for the driver who hit me, is demanding a reduction of $5,000.00 from a settlement agreement to pay back the Med Pay USAA paid out to me, which means I paid USAA for insurance and Allstate wants me to pay again ($5,000). Brook the adjuster from USAA stated; that is the law in Florida and we have a right to the money and intend to collect; When I complained about this matter. So in other words, "sorry about your LUCK" ; but no really! So I would suggest that anyone with Auto insurance in Florida call their agent to review their policy in "detail" or if you are about to purchase insurance in Florida try to ask all the right questions regarding your personal needs for Auto Insurance with any company. If you are a Florida resident you should contact the Florida Insurance Commissioners office to get the current law changed or you might be the next guy who has to pay back for the coverage you paid a premium for ( and you do not get a refund for the premium you paid for that coverage) but you will have to pay back your Insurance Company under Florida law in regards to your automobile policy

I have been a member since 1986 and now my 2 sons are members. I would, will and do recommend them to family and friends.