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USAA presents itself as a banking organization that helps its Veteran members. I sold my car because I had to move for work reasons and deposited my check, several thousand dollars, into my USAA checking account through their mobile phone app’s deposit feature. After the deposit was submitted I received a notice that only 10% of the funds would be available and that the rest will be held for 7 days, which is longer than it actually takes for the check to clear. The app never gave me a choice to back out, it simply said that my money was being held, so I could not move. I spoke with their executive resolution team and they were resolutely obstinate in denying the timely release of my funds, citing internal bank policies. IF YOU ARE A VETERAN USAA WILL SCREW YOU JUST THE SAME AS ANY OTHER BANK, except without local offices or tellers unless you happen to live close to them. I understand having to protect your deposits but holding peoples’ money hostage for far longer than it actually takes for a check to clear the fed is unreasonable and unconscionable...this is people’s lives!! Keep this in mind before you choose to do distance banking with USAA, when it comes to helping veterans, their internal rules are just as inflexible and you will have nowhere to go.
Online checking has issues with maintaining real time account balances and activities in some areas. Recently incurred a 2 hour gap in time with -15.00 in balance before I could make deposits and appeared to keep from taping my linked credit card for overdraft protection, but the next day my card showed an increase in balance without the corresponding deposit into the checking account!! This is not a very cohesive process and can be very confusing if you do not stay on top of things. ACH payment request from an outside creditor posted yesterday(requested 5 days ago) and one day later, sill does not show up in my USAA checking debit ledger. Still shows $1200 more in available balance than what actually is there. I am just not comfortable with the inability of their system to keep up real time accounting.
My husband has been banking with this poor excuse for a bank since 2008, but after our bills, checks, etc clears this bank he's leaving and I can't wait. I deposit a loan check from the bank and they kept most of it, but they released some it but when I tired to use my card to pay for a few things at Walmart it said my card was offline. I'm like WTH is going on??? We'll come to found out USAA took my money that they released to me back and holding it for 7 to 10 days bcuz they claim they have to wait that long for the check to clear. Y'all bastards it's from a Regional Bank as* ho**. So my husband can't put no money in my account because they got my card lockdown with this BS, and if it wasn't for my credit card statement I would be stranded with nothing and would have needed to ask my husband to wire me some money. USAA claim they are for the solider, but that's a pure da* LIE unless you are this, and that but I guess they pick who they want to help. For example my husband has good credit, and we needed a loan for something a long time ago,but USAA turned my husband down with some kind of BS...but you can hold our money and gain interest off it thou. I will tell everyone I met DO NOT bank with you and run and find another bank. My neighbor was saying how y'all screwed her, and she pulled all of her money out as well. I think it was one thing she couldn't change, but she said y'all as* are the worse. Those fake as* commercial on TV are a bunch of shi*t
RUN! After we caught them sending new checks with our account on them to someone we didn’t know, they cashed their check & wiped out our account. THEN, they sent an ATM card to someone else in a different state, who then transferred our savings to checking & tried to clean us out WHILE we were on the phone with their fraud team. We’re completely wiped out & they still haven’t refunded the money THEY allowed to be taken. WHO DOES THIS CRAP? Their lack of support during all of this makes us believe it’s an inside job. We’re waiting for them to do the right thing & the minute we have our funds returned we will be closing our accounts.
Horrible experience like so many others. Stolen phone and wallet. Tranactions out of state at multiple Walmarts at 3am. No flagging my account and withdrawals of nearly $6000. USAA wont reimburse. YOUR MONEY IS NOT SAFE WITH USAA.
We had fradulent activity. They called and froze card. There were like 10 items. 2 big ones. They took care of all but the big ones and said they were good. They were not. It was to a prison money transfer company! Now we're are seriously fighting to get our $500+ back. Also, when initially contacting them about the activity we had 4 different people tell us 4 different things. Everytime we went to the next person we would get a 'i have no idea why they would tell you that but...'.
Do not bank with USAA there customer service sucks. They lie, they tell you anything to get you off the phone. Hertz charged my card unauthorized and the are telling me I need to provide them with a receipt. I asked to speak to someone in Corporate and the refused to give me the number. Well I got it and the CEO is Stuart Parker the number is 210-498-6071. So if you are having problems with them call corporate. And file a complaint, I bet you will get some results. So I hope this helps anyone dealing with this nasty bank. So much for our Vet.
DO NOT BANK HERE . Absolutely the worst bank ever who the fuck actually hold someone’s funds for almost 2 weeks and then on the day they are supposed to release the funds they do not release it until 10 AM completely dissatisfied
I have been a member with USAA for 10 years. I have moved hundreds of thousands of dollars through their bank. I have paid tens of thousands for their services. This bank is almost entirely digital with no physical locations. There are only 5 USAA ATM in San Diego to service clients needs for cash depositing. I have had to call them 6 times this year for the only ATM within 25 miles of my home being out of service. This latest issue is my final transaction with them. On 11/19/2018 at 7:08 I tried to deposit $500 into the ATM (#088) and it had a malfunction. After freaking out in error for 3 minutes the machine locked up but spit back out $400 of my $500 deposited. It ate $100 and spit out a receipt that said "We encountered a problem returning your cash. Please contact your financial institution." I immediately called customer service. I was on the phone for more than 30 minutes and the representative finally said he had submitted the claim and I would be contacted in less than 2 hours to be updated on the $100 credit due. Sure enough no call back all day. I called back today 11/20 and after 20 minutes on the phone the representative said she found "no record of my call yesterday. She would file the claim and I would be contacted within 24-72 business hours with a decision on my claim". So I immediately asked to elevate to another level and the next person gave me the run around too and ended up with the same response only added to the 24-72 hour disclaimer saying, "there would be a decision that could result in permanent, temporary, or no credit given". So after two calls and more than an hour on the phone this is how I am treated. What a terrible institution. It has gone downhill fast in 10 years. They have plenty of money to spend on commercials during NFL games, but not to take care of their veteran service members or to maintain and update equipment.
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