USAA Federal Saving Reviews
Feb 28, 2017
Auto Loan

So I've been with USAA for 14 years. Have a auto loan with another bank. Decided to refinance to have everything with Usaa. Currently have 2.19%. They approve me for 4.88%. I ask to speak with a manager and express I would like to work with USAA if they would work with me straight up got told no. They said this is the great credit rate and it's a good deal.....

very dissapointed.

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Apr 21, 2016
Took months to cancel the card

The year I had this card was awful. Despite asking for paper statements over the phone, I did not receive a single paper statement. EAch time I called, they would say, there had never been a request to receive paper statements. I would give them the dates/times/names of each request.  The next month would arrive and yet again, no statement. I then paid the card in full and called them to cancel it. Same thing happened. I continued to get emailed statements so I could call and they would say, they had no previous request to cancel!  It took me months of calling them to cancel this card. They have nightmare customer service. Rates might be great but if customer service isn't there, I would not recommend them.

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Mar 17, 2017
Closed account

USAA closed my account after 31 years because they said it was used in business. Howver, they continued to send out Billpay checks till they closed it, which caused all of those checks to bounce and for myself to incur substantial fees. I am a doctor who does business in his own name, no DBA, and who files all forms under his own SSN. "A business owner is not always required to establish a business checking account. For example, a sole proprietorship owner can choose to use his own individual checking account to conduct business."

The money I receive is not paid to the business but to myself for services rendered, not unlike an employees paycheck.

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Feb 20, 2017
Too difficult
4 Contributions 12 People Helped

I've been with USAA for more than 10 years. A few days ago, I applied online for an American Express credit card, and I was denied. I've had a secured American Express for more than 4 years, and I've had excellent payment history. I think 4+ years of payment history is sufficient enough to establish that I am ready to graduate to an unsecured AMEX. But, instead, they presented an offer to open another secured American Express, and didn't even offer their classic American Express. What will I do with two secured American Express cards? 

I spoke to a supervisor, and he said that the denial is to protect its members. When that was said, I felt like an outsider. My grandfather closed his accounts a few years ago, and USAA tried to bargain with him. I do not have millions of dollars invested in USAA, so they were not concerned when I proposed closing my accounts. I wish I would've known that USAA was so conservative. I've had an unsecured Visa credit card for 3 years, and I haven't received one credit limit increase. My credit cards have a zero balance, and I have excellent payment history. I understand now that members are not treated equally. My grandfather had millions of dollars invested in USAA, and he was a general. Anyone who says that USAA treats its members equally is naive, because there is no doubt that money and rank played a part in pleading and bargaining with my grandfather to not close his account -- versus offering to help me close mine. 

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Sep 07, 2016
Starter Credit Card
2 Contributions 6 People Helped

Easy to obtain. Requires opening a CD to obtain.

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Mar 20, 2017
I have and they have been vital.
1 Contributions 4 People Helped

I placed a 300 limit on my card and I have paid the bill (down to 3%) every month on time and my score rose 60 points.

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Feb 05, 2017
2 Contributions 15 People Helped

Applied a couple weeks ago. 636 Experian FICO. I actually applied for the basic platinum through my account and they somehow approved me for this with a 2k CL. Maybe it's because i have had a secured card with them for six months with perfect payment history. Really grateful to USAA for helping me with my credit rebuild. 

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Sep 15, 2016
1 Contributions 1 Person Helped

Received a 7K credit limit on this card instantly, and this is with starting from a credit score of 500 one year ago!

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Feb 13, 2017
Excellent for building/rebuilding credit
1 Contributions 0 People Helped

Got rid of all my debt a few years ago. No credit cards, car payments, mortgage.  Wanted to get a new credit card as I've recently started traveling and needed to rent a car and make hotel reservations.I applied for a visa through USAA, and got one, but it only had a $500 credit limit. A few months later I applied for the American Express offered by USAA and received the card with a $1000 credit limit. Great bank! I've been a member or over 10 years. I also carry auto insurance with them.

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Jul 20, 2016

I've had a few emails from asking to apply.. They offered 12 0% on transfer and purchases. I use them as a main checking acct. my CS is low 600. I have 100% on time payments and few other cards. They approved me 2000k. FYI keep the email (if you get one) usaa didn't give me my 0% at first so I had to send in my offer email to prove the expiration date of the offer. 

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