USAA

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Category: Automotive

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United States

USAA Reviews

asdasdasgga November 19, 2009
Mortgage
USAA also sold my loan to US Bank. I was told that they would not. I am not pleased with US Bank.

I sat next to a VP on a flight out of San Antonio. I asked him why USAA does not provide notice to applicants.

He responded that it is standard industry practice and that they would lose their competitive advantage. They regret that they must use deception, but until regulations change ... they have to continue to "lie." There CSRs are instructed to deny the practice.
mama2zandl November 2, 2009
Not sure about USAA... denied hail damage
I'm considering leaving USAA after 18 years with them for auto, some renters and home owners for the last 7 years. They denied our roof had hail damage, after sending out their own inspector. I should have pushed it more and gotten our own inpsection done, but I was trusting USAA. It turns out that everyone in our neighborhood who has replaced their roofs in the last couple years has had it paid through their insurance. Kind of funny how ours is the only one that wasn't caused by the storm... I know that they're crappy roofs that didn't have much life left in them, but everyone else is getting theirs fully paid for, except for small deductibles (not 2% and they didn't figure out how much life was left in them...) I'm a little irritated b/c we paid for our own roof (8K) and everyone else is getting theirs for free! And from reading things on here, I'm now worried about how much we would get if we were broken into or had a fire. I always assumed it would be the amount listed on our policies (for replacement value and amount of personal property), but it sounds like you have to pay for the amount they tell you to pay for, but then you have to prove it. Grrr!
frustratedw/USAA October 22, 2009
Horrible Company
I agree with all of you!!! I do not see how this company is still allowed to practice anything!! On 10-19-09 a elderly woman tboned my husband in a intersection, she then left the secene of the accident and then was found two hours later and was still not aware that she had a accident. She is insured by USAA. We have been contacting them for four days now and they will not return a phone call...the adjuster became angry because I was complaining at her inability to do her job and then said..."Well maybe I should just find your husband neglegant". They have done nothing!!! We got the police reoport and sent it to them and it plainly states that she entered into the intersection against a red light, my husband swirved to avoid the accident and was unsucessful and that she left the scene of the accident and was found two hours later and was still unaware she had a accident. Thats exactly what the police report states!!! No way to look around that.
This woman was not punished for hit and run because quote "She's old". Her family stated to the officer that due to her unstability, her medication and her medical conditions...that any number of these things could have contributed to the accident. The officer is even suggesting that she go up for review to even hold a NC DL. USAA is still dragging thier feet. My husband was injured in the accident and has medical bills and time lost from work. The vehicle that the old woman hit was the only way we have to haul around our three small children not to mention all three of thier carseats were in this vehicle. On top of that we are supposed to be moved out of our current home into a new home by next weekend. We have left NUMBEROUS messages with the adjustor...and they WILL NOT call anyone back. And when you get upset because they will not do thier job they will just hang up on you...or like I said above threaten you.
Now we have Geico which is a great insurance company...they started right away to deal with the claim...and did their investigation and closed it in two and a half days. There is no reason USAA can not do the same thing. We are waiting for them to call today by 5pm to tell us they are excepting liability and going to take of the things that need to be taken care of or we are getting a lawyer.
I feel sorry for those in the future who have to deal with this company. I think someone should do something...but no matter how many times you call to complain still nothing is done. What are we supposed to do????
BethHawkins521 September 19, 2009
Unreasonable
We are trying to buy a home being sold as a short sale. USAA holds the second mortgage. They had signed off on everything and then the appraisal came back lower than the selling price. The first mortgage signed off on the new price but USAA is refusing even though the amount they are getting from the sale has no changed one cent. We found this out last Friday. We have been trying to get an answer and were told on Wed. that it would have to go to a committee that meets on Thurs. The committee met and made a decision however no one could return the sellers agents calls about what decision was made. The agent asked to speak with a supervisor and was told she would receive a call on Fri. They called on Friday and informed the sellers agent that they would sign but wanted an addition $22, 000 from the seller or they would revoke his benefits. We are no closer to an answer and need to close by Spt. 23rd.

They have been nothing but difficult to deal with. They are suppose to support military families and they are now trying to screw the seller who is military and forced to relocate. My husband is also former military and I find this to be completely dispicable. This family is serving our country. They did not intend for this to happen and have no choice in the matter.

I would never do business with or recommend this company to anyone!
Jencetera August 15, 2009
owing money
USAA claims i owe them money when i do not. I had a checking with them and now they are saying i owe $500 to them. I am free and clear of them. I dont understand why all of a sudden a "good" company would do this.
Royally W. Screwed August 1, 2009
Fraudulent Advertising
This is the 3rd and last time I will risk my life and health as a so-called "insured" motorist with the promised, advertised and paid-for med pay allowance of $100, 000 that USAA never intends to pay. All 3 times, I was not at fault for any of the accident injuries I sustained. In every case, I was rear-ended by others who broke the law by not assuring clear distance, and in one case I was even sitting at a dead stop at a red light. In every case, USAA auto insurance does nothing to defend or support its own insured customers, and instead, will sue them or go against them in court if necessary to avoid paying the promised and paid-for med pay or any amount of it that the injured person needs to pay their medical bills that result from getting in an accident, even when it is through no fault of their own. USAA HIRES MEDICAL DOCTORS AND LAWYERS TO WORK AGAINST THEIR OWN INSURED CUSTOMERS TO MAKE SURE THEY WILL NOT PAY MEDICAL BILLS WHEN THEY ARE INJURED, EVEN WHEN IT IS THROUGH NO FAULT OF THEIR and EVEN WHEN THEY ARE REARENDED IN ACCIDENT SITUATIONS THAT ARE CLEARLY THE RESPONSIBILITY OF ANOTHER DRIVER! In today's PROFIT DRIVEN CORPORATE WORLD, the consumer of USAA AUTO INSURANCE CLEARLY HAS NO RIGHTS. You can fight in legal battles until you are old, but the bottom line is, if you get in an accident, you will end up having to pay nearly all of the medical bills (WHICH ARE ASTRONOMICAL SINCE THE HOSPITALS CHARGE MORE FOR ACCIDENT RELATED MEDICAL EXPENSES) yourself if you have USAA as your auto insurance. Therefore, USAA's advertising that their customers "can enjoy the ride as they are covered" is clearly a case of false advertising...Unfortunately, one's regular medical insurance, if one is lucky enough to have it, will also refuse to pay for any accident related injury medical claims. Therefore, consumerS ARE paying for almost nothing, getting ripped off royally in terms of insurance premiums, and then losing their shirts whenever they are unlucky enough to be in an auto accident. Why do they get away with this? Because the big corporations have all the power, not the people.
tony28270 July 31, 2009
FROZEN ACCOUNT
USAA from my account and locked me out of my online access on 7/28/09 and nobody tells me why? On 7/30/09 after calling for serval times they tell me because I had supicious activity on my checking account. I moved over 100k and then withdrew it and the deposit only 40k, to my brokage account. Made 3 trades and then when I am getting ready to sell my stocks my account is frozen. They stated I need ID for me and my wife. Faxed them on 7/28/09 was told it would take 24 to 48 hours to verify this and my account would be open. Well after 48 hours my accounts was locked, and then I was told I would be assingned to a fraud investigator within 5 business days. I work at a job that requires much attention and have 40k frozen makes me parorniod. Nobody can tell me anything execpt to wait and somebody will contact you.
ccondrich July 29, 2009
Diamond replacement
I have a personal property insurance policy on my engagement ring. It was appraised and is insured with USAA for $9830. I have been paying premiums on this policy for 10-years. Recently, I chipped the ring and brought it back to the jeweler from whom it was purchased. They verified the chip and so I contacted USAA. I faxed them the AGS certification for the diamond which provided all the specifications for the diamond. They said that they would replace my diamond for $5300! I asked them to show me the AGS documentation for this new replacement diamond and they could not or would not. They said that I would need to mail my diamond to their lab for further verification. Are they kidding?? The AGS document is a certified document. What more do they require, other than to swindle me out of my premiums on a $9830 diamond and replace it with a lesser valued stone!! IF YOU ARE THINKING ABOUT PERSONAL PROPERTY INSURANCE WITH USAA PLEASE DON'T!! USAA is ripping off it's members.
Krystle2009 July 13, 2009
Worst Insurance Company Ever
A little less than a year ago, July 21, 2008 to be exact, our home burned down due to what the fire department claimed as a faulty stove. My husband contacted USAA not long after the fire to report the claim on our insurance. Since then our fight has just been a down hill spiral. We had 3 different adjusters at first, 2 of which were extremely helpful and basically felt our pain of losing everything. The other one, the cause and casualty adjuster could not have been worse. He looked at me and my husband like we were rats. About a month after the house burned down we got a call from our first adjuster telling us that the insurance would be paid out and we would be getting a check within a week. The next day he called to let us know that the check would have to wait as I had not given my statement to the cause and casualty adjuster to date. A week later, I gave my statement only to hear that it could be 4-6 weeks before everything was processed again. 2 months went by and we hadn't heard a word from the insurance company, by this time, we've bought new furniture and settled into a rental house, but now we have, not only our old bills but new rent and furniture bills as well. Our bills started piling up. We got behind on our rent, due to the insurance not paying on time and eventually had to move out of this house because the landlord could not wait any longer on them. We moved into a rinky dink duplex and lived there for a month while having the same problems, the insurance would not pay out. By this time, 5 1/2 months have passed and we have barely seen a dime from the insurance company and we have yet to hear a word from them. Christmas was coming up and my husband and I were to the point of filing bankruptcy due to the fact that we could not make ends meet because of all the bills piling up. We had to take out cash advances to buy our son anything for Christmas. And all this time, we're still fighting with the insurance company. One day we'd hear that it was the stove's fault, they were going to sue GE for a faulty stove, the next we'd hear that they had never said that and that they would continue investigating. We had even contacted an attorney for assistance, we wrote the insurance commissioner, we did everything we could thing of. Right after Christmas, the owner's of the duplex we were living in sold the property and the new owners decided to evict everyone so they could remodel and raise the rent. So now, our third time moving, we rented another house on a short term lease as the insurance company has told us that it should only be a few more weeks and we will be receiving a check. Those few weeks pass by only to be followed by a few more weeks until finally our lease runs out and our landlord has all ready rented the property to someone else. By thsi time, we've gotten mixed statements from our NEW (by this time our 5th) adjuster who says to my husband one day the decision was made to pay out and then 2 days later tells me that my husband is a liar and she never said that and to think any different then I am crazy. Here we are not, almost a year to date since our house has burned down and I got a phone from Stephanie, our adjuster, who rudely stated in a voicemail to me that our claim has been denied and we will be receiving a letter in the mail. One year, a year of fighting, and suffering and we won't see a dime. After being insulted, called liars, and told that we are stupid by customer service, treated like criminals during the whole investigation, no assistance, and no caring. We just lost everything, our entire lives were in that house and they show no compassion. What kind of business can do that?
Kim April 3, 2009
Overcharged
I have been a member of USAA for over 10 years and until now I haven't had many problems with them. Recently, because of medical bills, credit card debt, and helping other people when I shouldn't have, etc. I had to file bankruptcy. I said I had, because after all the consumer counseling, etc. People weren't paying me back and I no longer could live on such an amount that was set after counseling.

I had car insurance, checking, savings, life insurance, renters insurance, car insurance, my car loan, a credit card, and an IRA with USAA. Like I said, until now I had absolutely no problem using their services.

Two months after I filed bankruptcy, the trouble began. First the car loan went and the credit card followed closely behind it. Then access to my checking account and savings account was denied. I am so confused at the moment, because I REAFFIRMED all of USAA debts. I was fine with my car payment, my credit card payments, and my insurance payments. It wasn't those payments that was hurting me, it was everything else. WHAT IS GOING ON WITH THIS COMPANY! I reaffirmed everything, that means that I am willing to keep this debt and continue to make payments. All of my calls to customer service have been unproductive. Their only response is that I filed bankruptcy. I'm like, where is my money and why don't I have access to my accounts even though I reaffirmed everything from USAA. I wrote them a letter and even sent them another copy of my bankruptcy petition showing my debt there reaffirmed.

Now, I see if I'd added the credit card, car, or something to the bankruptcy. That would be different. But I agreed to keep every thing from them.

I didn't try to sucker out and have their credit card written off. I make my payments in which I can't anymore because that access is also gone. I'm just stuck with no options right now. You know how hard it is to stop and change ALL direct deposits and have them sent to another account. Uncle Sam doesn't like changes and makes you pay for them by waiting even longer. I don't think this is a fair practice to anyone who have received this from them. I almost got put out of my apartment because they rejected a darn check to the only account I used up until recently. It might be a month or more before the money will start flowing into my other accounts. I am in a very bad situation.

BEWARE. Filing bankruptcy and being a nearly exclusive member of USAA will cost you.. and cost you dearly. I still don't know what to do. They are just as protected by the feds as AAFES is, so I say this as a person who is in a very bad situation. Withdraw all your funds, change over all insurance to other companies, etc if you ever plan on filing bankruptcy and you are a member of this company. I was very loyal to this company and making sure everything was in good standings with them. I do not deserve this.

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