USAA Bank Reviews & Info
They are dedicated to the financial well-being of members of the military and their families for generations to come. That's why they provide a variety of financial products and best-in-class service to help their members achieve their financial goals and plan for the future. USAA began in 1922 with 25 Army officers who offered to insure each other's vehicles when no one else would. Today, their tiny organization has grown into a respected institution offering a full range of financial products to millions of members. They believe they'd be pleased to know that USAA remains true to their founding values of service, loyalty, honesty and integrity. They've earned their members' trust by providing convenient banking, competitively-priced insurance, and a comprehensive suite of investment products. When they join USAA, they enjoy specialized financial resources, access to representatives that have been where they are and know where they're going, and products that fit your lifestyle now and in the future.
Other Names Used: USAA Credit Card Bank, USAA Federal Savings Bank, USAA Financial Services Association, USAA Savings Bank
USAA Bank Review Highlights
TOTAL RECOMMENDATIONS
212
2
Easy bank to deal with but card cannot be converted, the CD your money goes into has a terrible interest rate. You can no longer add to your CD. There's also a yearly fee I strongly suggest you get a card elsewhere.
1
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… show more
1
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.… show more
1
USAA used to have good customer service, but that has deteriorated and USAA is now among the worst banks. USAA's mismanagement is so severe that it is under 2 separate recent orders from Federal Agencies relating to USAA's woefully inadequate customer service and management, as well as USAA charging illegal fees to customers. One case was brought by the Consumer Financial Protection Bureau, the other by the Office of the Comptroller of the Currency, and
both orders are from early 2019. In one of those cases USAA had to pay millions of dollars in refunds to customers it charged illegal fees to. That is how terrible USAA's management is.
My own experience has mirrored the findings of those federal agencies--USAA makes errors in its banking, has terribly trained customer service agents, and different departments have such poor communication that it becomes impossible to get anything straightened out.
Combined with their generally inferior banking products (poor credit card rewards, terrible interest rates on savings/checking accounts, etc), there is simply no reason to be a customer of USAA.… show more
4
I travel about six months a year. I have had this card for decades. The good: their security algorithm is sophisticated. Genuine transactions are almost never declined, even in remote and exotic locales; but it DOES catch the occasional fraudulent charge. No foreign transaction fee. Good customer service. The one negative: poor foreign currency exchange rates.
1
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.
1
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...'.… show more
1
My experience with USAA involves showing numerous homes to a buyer, then having him go to the USAA bank for his pre approval. USAA then "ASSIGNED" an agent to him. He then put in his offer with this agent he'd never met, who was not from the area, and didn't know it. This agent paid USAA 40% for the priviledge of stealing my client. From that USAA gave my client a kickback of $900. That's
right, USAA made 5x more money from the agent than they gave the buyer. And I got paid nothing. In addition, they charged this vet points on his loan. He would have saved MORE MONEY going to a different back, but "HEY SOLDIER BOY!!! REBATE!!!!" Way to go, USAA?… show more
1
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.… show more
1
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
1
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.… show more
01/17/19
My experience with USAA involves showing numerous homes to a buyer, then having him go to the USAA bank for his pre approval. USAA then "ASSIGNED" an agent to him. He then put in his offer with this agent he'd never met, who was not from the area, and didn't know it. This agent paid USAA 40% for the priviledge of stealing my client. From that USAA gave my client a kickback of $900. That's
right, USAA made 5x more money from the agent than they gave the buyer. And I got paid nothing. In addition, they charged this vet points on his loan. He would have saved MORE MONEY going to a different back, but "HEY SOLDIER BOY!!! REBATE!!!!" Way to go, USAA?… show more
1
This is the worst bank that I have ever dealt with,I’ve been an account holder for over10years, the customer service is terrible can’t talk to anyone with out having to continue to verify who you are. When you ask to speak to customer service to report these problems no one will connect you to the person that you asked for. Good rates good customer service from insurance side great help from hurricane damage just sustained
but the overall customer service is crap, since I can’t talk to somebody in charge I will have to go elsewhere. False and misleading advertising.… show more
2
I have a secured card and have to pay annual fees. I just got charged again and wanted to switch from the secured to preferred cash rewards card but they will not return my fee paid for the old card and give me a hard credit hit on the new one. USAA is not the greatest as advertised. I kept getting hit on my credit score monthly because I used more than 1/2 of my
available credit so the drop my credit score for that too even though I pay the total balance monthly.… show more
September 17, 2018
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5
I’ve been with USAA since 2012, and am still receiving the prompt and excellent customer service I was introduced to in the beginning. USAA is my primary bank, and will continue to be. Unlike other banks I’ve had in the past, when I deposit a check, the funds are available immediately, and my balances are updated in real-time! I could go on and on about USAA, but just know that when you open your accounts
with them, you and your money are in capable hands!… show more
September 16, 2018
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1
Opened a dispute because I was double charged at a bar. USAA closed the ticket wihtout reaching out to me. When I called to get an explanation I was transfered SIX TIMES before I made someone talk to me. Incompetent employees who don't know what their job is. In the end they denied my dispute because I didn't keep the paper receipt.
09/20/18
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09/09/18
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5
If your active duty or a veteran, you REALLY need to belong to USAA! They treat us GREAT! best auto insurance, Cell phone insurance, best checking and savings account! You can pretty much use them FOR EVERYTHING and pay IN ONE SPOT! Their secured Visa helped me from being in a rut at a 600 credit score to a 650 in just a couple purchase and payments!
1
Usaa never pay ligitamint claims not for active duty military. Been 2 years and am forced to sue on claim wont even good will negotiate. Great at taking your money. But wont pay claim if you have one.Do Not buy Military Familys
1
Run. Don't look back. You will never get a claim paid without accusation of some sort. They also do not have any compassion for the loss of your property, then they change adjusters on your like they change their clothes daily.
1
I have had my card three years and twice had my limit reduced without any negative action on my part. My credit score is well above 700 and I've never been late but twice they took it upon themselves not only to reduce my limit, but to reduce it so much it changed my debt to balance ratio to well over 90% which hurts my credit score. They don't care about their customers. Choose another.
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1
I’ve been a USAA member for 22 years and had generally been happy with USAA. However, USAA has recently exhibited mind-boggling incompetence which resulted in all my accounts being closed due to USAA’s error.
One day last year, without warning or explanation, I got a letter in the mail from USAA saying that it was closing all of my accounts in 30 days. Figuring this must be a mistake, I called USAA customer service to ask
what was going on. I was told that USAA had decided to stop doing business with me, that the decision is final, and that no reason would be given to me. This meant that my children’s college accounts would be closed, my wife’s and my retirement accounts would be closed, and our checking account and credit card would be closed. I pleaded to customer service supervisors for an explanation, knowing this must be a mistake, but they said they did not have access to the reason for the decision.
True to their word, USAA closed all my accounts 30 days later. They even charged me a $20 account termination fee for closing one of the accounts. Most of my cost, though, was the hours I had to spend to move all my accounts and business to new banks and to file paperwork to avoid taxes on the closed education savings accounts.
I thought long and hard about what could have prompted USAA to want to close my accounts. Then I remembered that about 6 months earlier, I had received a suspicious voicemail from someone claiming to be from USAA wanting to talk to me about activity in my checking account and asking me to call him at an unlisted number. Recognizing this as a possible phishing scam, I had instead called USAA’s main customer service number, told them about the voicemail and the name the caller gave, told them that I’m happy to answer any questions they have, and asked them what I should do. They had said that they had no record of anyone from USAA trying to call me, that it was probably a phishing attempt, and that I should ignore it and forward a transcript of the voicemail to [email protected] . I did exactly that (and received no response). Now that USAA decided to shut down all my accounts, I began to wonder whether that voicemail actually *was* from USAA and my lack of a return call to the given unlisted number was why USAA was unhappy with me.
I wrote to USAA customer service asking whether that voicemail from 6 months ago was in fact from USAA and whether that was related to them closing my accounts. In the letter, I said that if the caller wanting to ask about my account was indeed from USAA, I remain willing to answer any questions they had, since I’ve done nothing wrong and have nothing to hide. USAA did not respond to my letter.
Despite all my financial accounts with USAA being closed, I still had car insurance with USAA. When I logged in to USAA’s website a month later to get my latest insurance statement, I found that my online access had been suspended. I called USAA customer service and asked for my account to be unlocked so that I could access my insurance statement. The USAA representative kindly unlocked my account and then, without me asking him to, read me the notes in USAA’s file about me. The notes apparently said that USAA had received a letter from me asking why my account was closed, that letter had been forwarded to the office of the CEO, that they had investigated and found that the voicemail I had received 6 months earlier *was*, in fact, from USAA, and that no response should be given to me. The USAA customer service representative said that he had never seen anything like this in his many years working at USAA. He said USAA would only drop a customer if the customer committed a grave violation and that there would typically be warnings given. He reviewed my account himself and said he saw no record of any warnings nor any suspicious activity. He agreed that my not returning the voicemail probably contributed to USAA’s decision, though he didn’t know the reason. He agreed that I had done the prudent thing by contacting USAA customer service when receiving a call asking me to call back at a non-USAA number. He recommended that I write to the office of the CEO and explain everything.
So, as suggested, I wrote to the CEO of USAA and explained how I have only ever acted in good faith to protect USAA, that I have not done anything against USAA’s interests to my knowledge, that USAA seems to have erred in telling me that they had not contacted me when they had, that USAA’s error seems to have led to USAA’s decision to close my accounts, that their account closing fee is unfair since I didn’t *choose* to close the account, and that it was poor customer service for them to not respond to my earlier letter despite the fact that they realized they had erred when they researched the matter. To this, I got a curt response saying that they had a right to stop doing business with me, that they exercised that right, and that they will not be writing to me further on this topic.
I wonder what I did to get this treatment from USAA. One one hand, whatever it was must have been very minor, since they only bothered to leave me a voicemail asking about it (no email or letter) and they let me go on using my account for most of a year after that. On the other hand, whatever it was must have been so severe as to justify shutting down all of my family’s accounts without explanation and to get no reconsideration when the matter was escalated to USAA’s CEO.
Since then, 9 months have passed. I recently got a personal credit card invitation from USAA offering a $200 introductory bonus. I thought to myself that USAA must have finally come to its senses and removed me from its blacklist. I applied for the card and was accepted by USAA. However, several days after using the card for the first time (to buy baseball tickets for my family), my account was shut down without notice. No bonus was paid to me. I received a letter in the mail saying that my account was shut down “for unacceptable behavior or activity”. I called USAA to ask what the unacceptable behavior or activity was. The USAA representative, after putting me on a long hold, told me that my account was closed for the same reason why my accounts were closed last year. I explained that I’d never gotten a reason last year and this was the first I’d heard of “unacceptable behavior or activity”. I asked if he could share details. He replied that he had no further information for me.
Since opening that credit account, I’ve received three more credit card offers from USAA. I won’t bother trying to accept them.
It’s sad that a once great company like USAA has such a bad case of organizational schizophrenia and poor customer service. USAA has repeatedly demonstrated that its left hand has no idea what its right hand is doing. It punishes its good, long-term customers for being conscientious and avoiding phishing scams and it is unwilling to acknowledge when it is wrong.… show more
1
Poor, poor customer service if you need to access their Benefits Assistance Program. No reply to emails, operators are not in the loop about what is going on with your claim when you call to get updates, they denied our claim on baseless information, and did the least possible to help our situation. We were victims of a hit and run, but sadly we were further victimized by our USAA Rewards Visa Signature Benefits Assistance
program as well.… show more
1
I am not happy with their policies my first payroll check I performed by mobile deposit they held 1/2 if he check witch is a HUGE inconvenience when you are just going back to work and need your funds. I don’t recommend them!
1
Got an offer in my email the offered a bonus $200. I clicked the link and applied for it. It also came with an 0% APR introductory rate until May 2019. I go to do a balance transfer to it and notice that it's say I have no promotion, no introductory rate, and no grace period. False advertising and now I have to take time out of my day to call USAA so they can
fix their mistake. The only reason I got the card was the bonus offer and because I wanted to do a balance transfer.… show more
1
I would NEVER ever have a card from USAA .. I have outstanding credit and they refused to give my card a increase where Discover and Chase did in 3 months more than I will ever need and all this with out my request..hmm wonder if its because I pay my card off every month ???
1
This company has the worst customer service I have ever seen. You will get nowhere when you need help. They change the rules mid stream and you will get screwed with the rewards. Beware of dealing with USAA visa
5
I have been a member of USAA for 20 years! They are AWESOME! The customer service is an A+ team! They always try to understand and deliver the best service they can. Recently I had two separate disputes which were investigated by their teams and funds were returned to my accounts.
I have children that have accounts as well which makes transferring funds super simple instead of running to an ATM all the time!
We suffered through a short era where they held funds on checks deposited due to our balances...we were living paycheck to paycheck and it made it difficult. USAA no longer holds the funds so banking has once again become a pleasant experience!
Their online banking is top notch. I can do just about anything from the comfort of my home or wherever I am with my cell phone! I have no plans to leave USAA!… show more
1
Absolutely terrible underwriting and customer service. They don't care at all about their long-term good customers. They are not the customer-friendly company that they advertise. The only think they care about is profits.
Product:
Personal Loans
5
Great rewards, no annual fees. The APR is high like all credit cards but can easily be avoided by paying off the balance every month. I use it for my gas, groceries and other expenses that I was going to buy anyways and bank the rewards money in my savings.
2
I have had this USAA credit card for many years. I recently had my card stolen from the YMCA and reported it before any charges could be made. USAA charged me over $14 to expedite mailing my new card to me. NO other companies to my knowledge charge you to expedite or mail a card to you! I will be using another card with better rewards. Very disappointed.
1
My wife and I have had a USAA Visa credit card for 25 years. We use the card frequently and always paid the bill. Never had an issue. Never any collection activity on our account. 25 years. I recently contacted USAA to raise our credit limit from $15,000.00 as we were about to start a home renovation project and wanted the additional flexibility. 800+ credit score. Slam dunk, right? The (robot) rep runs through the
questions and lo and behold we're declined!! I was stunned. I asked to discuss with a manager. Five minutes later Amy, a manager, gets on the line and after sympathizing reiterates that the answer is no. I remind her of our 25 year relationship with USAA. Bills always paid. The kind of customer that most companies would like, right? No dice. Denied. "I'm so sorry. I understand that it's frustrating", she says. Now I'm on the receiving end of fake sympathy and condescension. Nice. So now I'll pay off the card and close the account after 25 years. Ridiculous. I might add that my 21 year old son who makes $11 an hour recently received his first credit card from PNC Bank with a $25,000.00 limit. Go figure.… show more
1
Handy features hiding horrible customer service, total lack of protection of funds, and tons of hidden fees. They seem more than happy throw their customers under the bus and then throw fines at them. Can't stress enough to avoid this bank at all costs. Don't get tricked by some handy features like mobile check scanning, other banks have this.
5
I have been banking with USAA for years now, and I used to rave about excellent they were. I recommended them to family and friends, telling them, "Every time I hang up with USAA, I'm in a better mood than I was when I called, because they're THAT good at helping resolve issues." That level of customer service is gone now, and the bank has been slowly going downhill for the past couple of years.
I would like to say that with the exception of one or two times, the customer service representatives are extremely friendly, but their banking/company policies and supervisors are no longer customer-friendly.
A few issues...
One: I called with an issue with my debit card. They helped me figure out what was going on, and I thought that was the end of it. However, a week or so later, a new debit card showed up at my mom's house (the address that was still on my account, as I was temporarily working out of town), and around the same time, a pin number was mailed separately, also to my mom's house. I called them, and asked why they sent a new card, and they couldn't tell me. They tried to do a little research, before just telling me, "We don't know. You should just destroy it if you don't want it." This is scary, and a HUGE security concern. A debit card was not ordered, yet one was sent without my authorization along with a pin number. Anyone could have taken the card and pin number, and once activated, my existing card would've stopped working and they would've had full access to my accounts. The customer service rep was unconcerned with the issue and treating me like I was over-reacting.
Two: I deposited a small cashier's check ($500) into my USAA checking account. This is not my primary checking account, but I do have automatic deposits that go in twice a month for at least 4x that amount, which I always withdraw immediately and take to my primary brick & mortar bank. I deposited the cashier's check via mobile, because that's the only way to do it, and was not told that the funds would be placed on a hold. I was out of town for work at the time and due to an issue with my primary bank, I needed those funds to be available immediately. As any person in banking should know, cashier's checks are VERIFIED funds and should be available instantly. I called IMMEDIATELY about the hold, they told me it's because my current balance was less than the amount of the check. I reminded them about the automatic deposits I have (one of which was due within the next few days) that would more than cover the cashier's check if it bounced (which would not happen, because those are verified funds). They said it didn't matter. I told them, please cancel the deposit, because I need this cash immediately, and I planned to take the cashier's check to the bank on which it was drawn so I could cash it and receive funds immediately, to sustain me until the issue with my primary bank was resolved. They said they can't cancel the deposit because it was already made through the mobile app, and there was no way to cancel it. This was within 5 minutes of making the deposit, and they're telling me there is NO way to cancel it.... that doesn't make sense to me. I asked them, "What if someone made a mistake and accidentally deposited the wrong check into the wrong account - you're telling me there is no way to undo that?" They confirmed, there is no way to do that. So don't make any mistakes, ever, because USAA will screw you over.
Three: The mobile app always gives me an error when I try to increase my debit card daily withdraw limit, something about needing to verify identity with a text code, which I never receive via text. I need to increase my limit at least once a month, because it defaults to $600, and I always have to withdraw the money from my auto-deposits to take it to my primary bank. So every month, when it's time for me to withdraw the money, I have to call them to change the limit. This, in itself, is frustrating enough, especially when I'm often on hold for 10-15 minutes just to change my limit and get access to MY money. Last week, I called them as usual to change my limit and was told that they can't do that, due to some issue with my auto-insurance policy payment. I haven't had auto insurance with USAA in over 3 years (because they screwed me over in regards to a claim, but that's a whole different complaint.) I asked what issue they were seeing, and they couldn't tell me. They told me I had to speak to the auto insurance department, so I was transferred to them. At this point, I've been on the phone for half an hour while sitting outside the ATM that I planned to use. I spoke to the insurance department, they assured me that there were no issues with the long-closed policy/account, and transferred me back to the banking dept. Banking again told me that they wouldn't change my limit. The guy checked with his supervisor/"specialist" and they were the ones who would not approve it, and told him no. I asked to speak with that person. He said, "No, you can't speak with him. He told me what to tell you and that's that." So basically, they're barring me access to my money, because their departments aren't properly communicating with each other. I told the rep, verbatim, "This is bulls***. That's my money, and I need to withdraw it NOW." He told me that I was being abusive, and hung up on me.
Which brings me to number four: As a workaround for these idiots not letting me increase my limit to withdraw my cash, I told them to transfer the entire balance of my account to my boyfriend's account, which is also with USAA. They confirmed the transfer went through. My boyfriend was in a different state at the time and quite unavailable due to work training, but I needed him to take the money out of his USAA account, mobile-deposit it in his account with our primary bank, then transfer it into my account with our primary bank. (Needless to say, at this point, I'm very angry and frustrated with this runaround process to get my money.) So this was on a Friday. He didn't get out of training until after banks were closed on Friday and was not able to put the money into our primary bank. On Saturday, I woke up, checked my USAA account, and ALL the money I had transferred the day before was back in my account. I called USAA to ask them WTF. The rep, who was quite friendly, said, "I'm really sorry, but it appears they didn't put the transfer through yesterday." She told me to check with my boyfriend to see if he had the money in his account. He was going to be unavailable all day due to training, but I tried to reach him anyway. After a couple hours of not being able to reach him, I called USAA back and explained the situation again, and told them that I needed the money to be in his account, but that I was concerned that if I moved it over again, the money would be taken from my account twice. The rep assured me (for the 5th time) that the transfer did not go through on Friday for some reason, and that there was no possibility of the money being taken twice. Lo and behold, I woke up on Tuesday (FOUR days after the original transfer) to a HUGE negative balance, over $2,000 in the hole. Plus, I was charged overdraft fees for the second transfer, AND for every debit card transaction that had posted the night before. To make this long story a little shorter, I called USAA and was told that it wasn't their fault, and I needed to just have my boyfriend transfer the money back into my account. They would not help with the fees, nor did they offer any explanation for how they simply lost a $2k money transfer for four days.
They are useless, and no longer have a policy of helping their customers. This bank used to be great. Now I'm in the process of switching over my direct deposits so I can wash my hands of USAA completely. They screwed me over on auto insurance, and now they are screwing me over in the banking department. Take your money elsewhere, you will avoid a huge headache and frustration.… show more
1
I started a USAA account when I was 17 and I had my identity stolen which affected my checking and savings accounts with USAA. Someone hacked my account and took out fraudulent money. USAA held me responsible and took all of my money in my checking and savings and left me with $0. They refuse to give me my money back and hold me accountable for the fraud. They have treated me with much disrespect
and go back on everything they claim. Would not recommend USAA to anyone.… show more
1
Do not use it out of the USA to rent a car because you'll be on your own. My card was charged x 3 by an american rental car company after I returned a rented car, I reported it to this bank 3 mos ago and not even temporary credit has been issued while investigating the charges. When call this bank to find out result of the investigation each and every representative I have talked
to play stupid and tell you they don't know anything about it and tell you they would write a note but yet when you call the following day, the next representative do not see the note written the day before. Shady business....PS..they would charge interests on the above charges which they are not supposed to while it's under investigation(dispute) no wonder why they wouldn't issue you the temporary credit. Always check your balances and payment deductions.… show more
5
I have my account with USAA before I deployed overseas. They have always been helpful and have a great website that helps to track my accounts. When my debit card was used many states away - they notified me to verify and were quick at restoring the funds. I would *highly* recommend them from customer service, to getting ATM fees reimbursed to security. I have never had a bad experience with USAA
3
It's a great card. The rewards rate is nice for someone just starting out, like me. However, I rate the card this way because it's hard to find it accepted in many places. People told me to avoid american express, but at first glance I just couldn't see why. However, not having the card accepted on many websites and stores is so frustrating, especially when trying to build credit. No complaints from the customer service,
in fact, it's the best part. Any time I have called them has been a complete breeze and the rep is always friendly. If the card was accepted in more places, I would rate it much higher.… show more
4
I am generally happy with this credit card, but it doesn't really go above an beyond like my other credit card that I have. I would recommend it to others, but with the advice to try to pay everything off every month or else the charges will be a lot. The convenience charges on a few random thing is easily avoidable, so it is something people like me who want to keep a great credit
and pay minimum for a credit card go for. The customer service on this is just OK. Not great, but doesn't give you such a hard time either like some companies.… show more
5
I requested this card because I use USAA as a bank and I wanted a way to accumulate airline miles. This card serves and gives me exactly what I need and the customer service through USAA is top notch I never have a thing to complain about.
1
I am a disabled Military Veteran, who has been forward deployed three times. The most famous of these deployments included operational support for the mission that resulted in the termination of Osama Bin Laden. I have also been a USAA member for over a decade and to be honest they have always done a great job for me. However I soon realized that their support ends as soon as you’re no longer a profitable asset
to their bottom line profits. The following is the story of how USAA helped me get victimized and then turned their back on me.
After receiving an honorable discharge from the Navy and being sent out into the workforce as a Disabled Veteran I had a really hard time finding a job. I later learned that job seekers are often preyed on by con-men. After months of filling out hundreds of applications I finally received a job offer as a project manager for an international consulting firm. I made it through 2 rounds of phone interviews and signed my employment contract. My first month was training which consisted of 10 extensive and graded training exercise assignments. Towards the end of the month I had finished all the required training, so they assigned me to join my first project. My first assignment was purchase order research. I compiled a list of U.S. based sellers for a list of office equipment they needed for a client. After that they sent me a purchase order and told me to purchase the goods and send them to the client of record. Even though I had been working with this company every day for a month, I still have a hard time fully trusting anyone because I am a very cautious individual, so I immediately called USAA to ask how I could make sure this isn’t a con. I had a 2 part plan to ensure my safety. 1) They transfer me the funds first and I wait till the money is cleared by USAA, 2) I have the consulting firm transfer the funds onto a credit card that is already maxed out, which would free up the cards available funds to allow me to execute on the purchase order. Before doing anything I called USAA and asked them about my plan. I was informed that USAA could not change my card’s available credit without my permission, so given the the card was already maxed out it would be impossible to take on additional liability. I was also advised that once my card received the funds and the funds were cleared by USAA that the funds were safe for spending. After speaking with USAA I felt confident moving forward. The funds were then deposited into my account and cleared for spending. I executed on the purchase order and sent the items to the client of record on the purchase order. Two days later the funds were somehow virtually pulled back off my credit card and my card was left overdrafted by nearly $7,000. When I confronted USAA they informed me that they don’t know how the funds were able to be pulled out once they were in and cleared. Also they did not raise my credit limit, but rather they allowed the card to be overdrawn by nearly double it’s available limit. They apologized for the inaccurate information they provided and told me they will not help me with any of the liability, and additionally they will not even help restructure the debt. I’m now stuck with a credit card that is overdrawn by $7,000 (double the card’s limit). I don’t have a job so I have no way of paying this. The company that employed me, then proceeded to virtually 100% vanish. Everything from their website, phone numbers, emails and all my company contacts no longer existed. Then USAA, a company that I thought I could trust, and use for all of my banking, insurance, and credit accounts assisted this terrible con in leaving me unaware, misinformed and financially screwed.
USAA provided me bad information, which led to me being victimized, which lead to them raking in amazing amount of money from me in overdraft fees and destroying my credit. I don’t believe this was premeditated, but man it really worked out great for USAA. I’m sure they're having a very merry Christmas.… show more
4
One of the great things about this card is that the security deposit you provide is invested into a CD account for you. As long as you're making your payments on time, you'll be getting a great return on this account, in addition to improving your credit. With a low annual fee, I highly recommend this card for those eligible for it.
