USAA Federal Saving Reviews
Mar 21, 2017

I was in the market to refinance my auto loan through USAA. I had submitted all online paper work and faxed over a the signed disclosure form, but USAA did not receive it. USAA never made an attempt to notify my of the fact they had never received the letter or anything even though I had filled performance of the contract. Having faxed over the signed document I was under the impression that USAA now serviced my loan and would not owe a payment until May 1st. However, upon returning from vacation I find out through Capital One that USAA never payed of the loan and that I was passed due. I contacted USAA only to be told it was my fault that they didn't receive/process my fax and that I would have to reapply for a new loan and they could not guarantee me the same rate. This is completely unacceptable. I have been with USAA for 8 years and have recieved amazing customer service from their insurance, but the auto financing was terrible. I was basically told that they did not have enough man power to properly service my loan and that I should have realized that USAA did not receive the document even though I was told to allow up to two weeks for processing. From a customer service stand point, complete failure! I was under the impression the customer was right but I guess here, only the USAA "Dispute Resolution Specialist" was correct. From a customer standpoint, never again. If USAA does not have the man power to properly service a loan (This is what the "Specialist" told me), then how can I expect them to competently handle any of my banking? I pray that the insurance division of USAA stays separate and keeps its customer service or I will be switching to GEICO MILITARY. Thanks to USAA I am now locked into a higher rate for my car loan because I passed up a credit union's lower rate to stay with USAA, I was late on my payment so my credit took a hit and I lost the insurance discount from having the loan through USAA. Thank you USAA Auto Loan, this is exactly what service members want and need!

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Mar 26, 2017
Run Away!!!

This is the worst run bank I have ever experienced. You will never be able to close your accounts if you want to leave. They will literally re-open your accounts months and months later without your knowledge or concent!!! They will even draw on it, yes they will draw on your supposed closed account putting your account in the negative. An account you thought was done and closed. If that's not criminal what is? The customer service will have you wanting to bang your head against a wall just to silence the incompitance and stupidity. For your own sake never ever open an account with this bank! There are so many better alternatives that are suggested by credit kharma. I wish had had a credit kharma account back when I joined usaa so I didn't make the mistake of getting involved with them. I just hope this review saves at least one person from the hell that is usaa banking and go's with a highly rated bank that credit kharma suggests instead.

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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 7 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 37 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 16 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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Mar 31, 2017
3 Contributions 56 People Helped

I was approved for this card yesterday with a $1,000 CL. My FICO scores are TU-655 EQ-624 and EX- 615. Been wanting to get my foot in with an USAA card for a while now. It's definitely not the limit I was hoping for but I'm rebuilding so, I'll take it!!! 

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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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