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I learned the hard way after using USAA for banking and insurance that you can't have it all. Military for 16 years before they closed my account for fraud. Couldn't log in or access my funds and after multiple yelling matches with the customer service reps I finally got a call from the CEO. My husband and I left that bank/insurance company immediately for an FCU and haven't looked back. A year after that happened they sent me a check? However they kept charging me a fee and then reported it as overdue to the credit reporting bureaus which I didn't know what was going on for months because I had closed my accounts with them. When I paid the $3 or whatever it was I told them to lose my number and close my accounts for the umpteenth time, but I found out they have no way of removing your "member ID". Still to this day both my husband and I receive correspondence from them because they still keep us as "members". We left them over 6 years ago.
Very disappointed with USAA’s service after being a member for over 24 years. We are in the process of canceling all our products with USAA and pulling out our money. BEWARE…USAA will not do what’s needed to get your money back after your checking or savings account gets hacked. You will have to fight for yourself which is very unfortunate. USAA will freeze your accounts after the fraud happens which compounds the problem; We can not make transactions to pay bills all because of hackers.
A Fraudulent external account was created in my name, without my knowledge, and transfers were made into that account totaling $10k all within a matter of days. USAA is holding me liable for the transfers even though I made a police report and reported the crime to the FTC and the CFPB.
USAA, in the past, has been able to resolve my concerns in a matter of days. Now, after being victim of identity theft and getting my account hacked due to a breach of USAA’s online security, USAA is not providing the excellent service they attest to by not providing me with any information pertinent to my case after several weeks of requesting on the phone; they keep giving me the run around by keeping me on hold only to hear that no one is authorized to help me, it’s always another department. I need my case reconciled as soon as possible.
The culture of USAA has changed so please beware. Let this be a lesson to all.
Surprising that's an old stalwart like USAA. But have had lots of issues being able to access my funds in a reasonable amount of time. Customer Dis-Service, claims nobody not even the CEO can release a hold on funds. This week the most ridiculous thing happened. Since you can't make cash deposits outside of Colorado Springs, I have to put it on a money order (which federally is considered the same as cash, and I believe USAA is breaking the law on this one) They held half the funds on the Money Order for 8 days. Believe me my fiancee (with 20k) and my military buddies (combined 700k) are all closing there accounts, so that can have access to their funds in the future.
I left the Army on February 16th after given two weeks notice of my discharge. As soon as I knew that I indicated that by filling out USAA's transitioning service members resources. On March 1st I received no more income and since there wasn't any time to apply and be approved for normal VA and financial resources that Veterans receive I applied to several other financial assistance programs since and the only resources we (my family and I) have received was emergency food stamps as I was denied or received no reply for rent or utilities assistance, so my last option was to withdraw my retirement savings to prevent being sent a nonpayment of rent this month as well as paying for utilities and debts I owe. However, when I received this money and tried to deposit it, it was immediately put on hold and only less than 10% of the balance was deposited, which I assumed had a $10,000 deposit limit. Because of these holds, which when I called today to see if they could remove it, they said they couldn't and wouldn't do anything until the hold was removed which is March 16, which by then I will be sent nonpayment of rent this month and allow the landlord the option to begin eviction. I will also have more late fees for returned payments. I chose USAA specifically because I thought they would understand and be sympathetic to my situation since USAA only serves service-members and their families but now it feels like our only relationship between us is for debt collection. These holds also prevent me from preparing to move out of our house this month to attend trade school. I can't afford to wait until the 16th to use my money and because of this I can no longer recommend USAA as The Service-members Bank as my treatment from my transition to civilian life has been a nightmare due to them. I will probably have to go into more debt just to not have my family and I be homeless
I was a USAA member for over 51 years, I'm not anymore.
At one point USAA was my only financial institution, checking, savings, CDs, auto and home insurance. Then they allowed someone to hack my account and tried to steal 5K from me, I got it stopped but lost trust.
USAA didn't keep up with the competition on CD rates, home or auto insurance rates. I found better rates on everything so I left.
What a fubar organization. You can sure tell that USAA isn’t the owner anymore. What a screwed up place. Ruining USAA reputation.
My spouse and I separated in May 2021.my spouse filed for divorce in August of 2021. In September of 2021 my spouse intercepted my mail, opened it, removed a check made soley to me and addressed soley to me, and deposited it via mobile deposit into an account that was supposed to be closed but hadn't been because she was the primary and had left 4 cents in it and it sat silently with no notices coming to me regarding it. I received notice that a check of mine was in the mail and began a search for it, found that it had been deposited in the forementioned joint account and then immediately transferred to her private account. I contacted USAA and told them about the fraud. They said i would have to take it up in civil court. I told them freeze the account. They said they couldn't as i wasnt primary. They confirmed that the check was in my name yet signed with her name, and that they had notice of the separation/divorce yet allowed it to happen 3 more times and did nothing to stop it to a grand total of $2250 and its now june of 2022 and they are still refusing to make it right, get me the deposit pictures for court or law enforcement and generally have given me the run around. I just spent 3 hours on the phone with them talking to no less than 5 csr and was cut off twice with no callback after being cut off. Also the system suddenly doesn't recognize my membership number or social security number. And i cant receive texts with the security verification code they send for calls. Im going to be calling the attorney general's office in Austin tomorrow and maybe finally get the issue handled and be made whole for the fraud she committed with USAAs complicit passiveness.
Stay away from this military bank most bigoted against lgbtq bank ever no access to account. Said I’ll get my money bank in 60 days they took my remaining benefits and let me starve and said I’m sorry sorry means nothing when your starving to death with no money
My husband has been a member with USAA for almost 28 years. From a brand new Lt to his retirement as a Lt Col. Well...We made an international purchase...or tried to (from a place I've ordered from before BTW ) we verified PRIOR to pressing the process payment button through VISA AND also verified after with USAA it was NOT a fraudulent charge when we recieved the text to confirm that... yet the charge was still declined ..AND our account is now under "review" for fraud. We can't access our money now for who knows how long (They say 3 buisness days, but I've seen comments regarding this and it seems that's what it starts as but that time gets longer) even after verifying multiple times this was a purchase WE were making. AND Now we have about 8 bills that aren't going to go through because we can only make deposits into our account . I probably would get this review alittle more~ if there was maybe actual fraud to look into...But we have verified multiple times now IT WAS US. So it seems, we're basically just waiting on someone to unlock our account now for a charge that was verified multiple times to be our own, BUT.....In the meantime we don't have access to our funds and 8 bills we will be paying fees for when they bounce or don't go through because they are only accepting money INTO our account. And all this for a purchase we did everything we had to TO verify we DID MAKE.(OR TRIED TO) And apparently nobody can do anything about this to speed the process up....Or at least we can't speak to anybody who actually can. I can't even view our accounts. And when I call the automated system it says my information isn't recognized. Like I don't exist...But Our direct deposit are still hitting just fine...Funny thing...Last month we had 20+ charges to Apple to our account back to back....That didn't trigger a "review" or even a block. This though....A international charge to a buisness I have purchased from before AND verified with VISA verification prior to pressing process AND through USAA verification AND verifying by phone in person....This does though.
I've been using USAA banking for years and use ACH deposits from my brick & motor bank to fund the account and pay my bills from USAA. Everything was fine until 2 weeks ago, without notice USAA started to limit my ACH deposits from $5000 to $500 per day, and anything above $500 gets a 5 business day hold. I called customer service and was told there is nothing they can do, but I can wire transfer money without a hold. I'm not going to pay $25 wire transfer fees, so that ends my relationship with USAA banking.
This bank makes money off of Zelle like a kick back, we put our money in the bank thinking it is ok, but they let them scam almost 1000 out of my account. My money I bought a swim spa, they turned it in as fraud , so the company won’t sell it to me! The bank has threatened me, let Zelle steal my money, stole my chance of a swim
Spa, threatened to throw me in jail, heck a 2 year old could do their job… I can’t wait to get rid of this nightmare, stay away, my horror ending story of 2021!!!
If you have anything but the most vanilla banking needs, avoid USAA at all costs. I manage a trust for my family which had most of it's funds at USAA. Since they have no brick and mortar presence, the only interface with them is the most horrible phone customer service system in existence. You call them to try to accomplish something, you explain to the person you are talking to, they don't know what to do, so they pass you to someone else who doesn't know what to do, they ask you for documents, which they almost immediately lose, they waste hours of your time and accomplish nothing. You call back to try to get the same thing accomplished and you have to start all over again because there is little to no record of your previous call, there is no way to talk to anyone that you have talked to before, not that it matters because they didn't know what to do anyway. Their incompetence borders on criminal behavior. Like I said, run, don't walk away from this 'bank'.
I don’t like to post negative but people need to be aware to stay away from USAA.
I am writing to notify anyone that has @USAA to cancel all of your accounts.
I had someone take $1301 through the USAA approved ZELLE app, that is actually ON the @USAA app, and they are not covering my under consumer protection/identity theft/fraud. I was left with $26.
AND they still didn’t freeze the account while fraud was under investigation and charged me with a NSF the next day when a regular, legitimate payment tried to come through. So now my account is negative.
I filed a claim. They denied it. I have now filed a Federal Claim, I also filed through the Attorney General (as the Federal Claim department suggested), and filed a local police report in person.
USAA could SEE the fake emails and they still denied the claim. AND, regardless, their security measures should have flagged the account for suspicious activity and suspended it. There were 4 transactions one after the other. I RARELY use ZELLE so that should have been a read flag.
Where is their security? I am appalled and stranded financially. I have been with USAA for more than 25 years and this is how they protect me?
USAA’s security measures are a joke, they don’t protect their clients, and they don’t stand behind their claims. Stay far away from USAA.
I can't even use them to fund my webull account because they put a stop payment on them without my consent. They send other customers mail to me and won't stop it. Their customer service is trash, I have been polite and tactful, yet hung up on. You will never get a survivor to call you back, ever. I have only used them for about 4 years and have had a membership with them for about 20. They were a backup bank I regret using now. I am currently looking for a new bank.
Terrible customer experience. Numerous problems and complaints(even formal ones with BBB). They don’t seem to get it...still. Even after contacted the CEO’s office a dozen times. They shut down my entire account access...twice! The first time lasted a week, then a few months later (after I was on to their broken process) it lasted for 3 days (over a weekend). Their ineffective “fraud” process kicked in and shut down my access to all my accounts without ever contacting me and asking about banking activity that was in question - not once. They make the customer squirm and try to find out what happened and get accounts access again. I closed ALL my bank accounts and annuity and moved my money to Schwab.
After a period of poor customer service, things have gotten better... with the exception of the security department. Security didn't like one of my transactions and locked my account without notifying me. Customer service was unable to tell me what caused the shut-down. I didn't have access to my checking account for nearly two weeks. No one even bothered to notify me when the account was unlocked. When I called for the 5th, or so time, the rep noticed that it had been unlocked.