Comments on Fidelity Observer: USAA responds to Fidelity Observer with a playgrou...

I know this is completely off the topic, but Does ...

2009-08-14T12:10:50.988-04:00

I know this is completely off the topic, but Does USAA use chexsystems when opening an account?

im sorry all about the copies here..newbie here on...

2008-07-12T21:16:00.000-04:00

im sorry all about the copies here..newbie here on MacOS plz do excuse me..

whether ur worker to fellow member . i would appreciate any educational helpful feedback and Tips. there are some good Rep there but, they all have no choice but, to carry on the endless thank yous and sorrys. w/respects , dont expect them to protest on my behalf out fairness and honesty etc. they too have jobs and families too etc..plz understand also, if you get members calling and unhappy , nothing personal the anger is likely towards the mangers and supers and higher up..we are also reasonable and get once something goes past the Reg Reps, ur power to help w/o facing bach lash is out of ur hands. ..hope that if you are suffering unfairness at robotic abusive work place USAA bank. im cheer for you to be strong and no! the abusive machine..just want to be know, not all of them are bad but most cases the good ones are no longer working there! or they are stuck there for whatever reason but you have my consider and mercy and faith things will get better for you.

so take nothing personal. if you are not the USAA Reps, we speak of then you know its not against you..rest of you fitting the shoe and you know it.

then you should be ashamed

good luck everyone and wish and hope for the best whether ur happy or unhappy customer..

please know this isnt about race,income level,rank,branch of service etc.. we just want fairness and consistent reliable service from each to each customer is all. ..overall peace of mind is priceless and dont mind payng extra for it

ove most of USAA PRODUCTS BUT, the banking DEPT ov...

2008-07-12T20:52:00.001-04:00

ove most of USAA PRODUCTS BUT, the banking DEPT overall, its a nightmare! over rated in customer service and policy. its so out of control now!!. i like to say that i was 100%happy customer w/peace of mind. after last 1 yr 1 half, its like their workers that came straight over from BOA! just horrible and rude.

my first an only payment to NISSAN webbill pay made us lose out on 1yrs w/on time payment program would get us a much lower rate etc ,payment set for 15th and nissan got it 22nd,.

i might as well just used my checkbook! we were renting a home for almost 2ys, used webbill send to monies to a fellow airman, i was renting from, so 3 months before we moved into our new home, webbillpay sent them checks and it was a pain bc we are very busy folks and we considered

hey you know.. airman needs the funds to pay his bills too on time. why be so consistent w payment method and w/o word just change it.
so we just called the owner and ask to meet them after taking out the rent$ to give them so we can get the pain in the ASS check.

by this time USAA has caused us to lose money and just unreliable for assuring us peace of mind etc. so why sit and wait for checks to clear, when they could of posted the payment out like almost 2 yrs before etc..

even had problems..although our home is covered by them along cars etc and you know current address is required etc.. after 2,3 calls after moving to new home and new car purchase also.. it took after wasting time and fake helpful REps, to update all address and contact info etc..we closed 3-28 and they update all info in late May.lol

OK BACK TO THIS.lol
too many hassles by this time, so why wait for things to go wrong, and have to call and be on hold and repeating member # etc several times, to get them to repair the damages they caused and never should of had to beg and before the phone all day for them to do the right thing in the first place.

glad you called that one out..I AM ON THE PHONE W/USAA EVERYDAY SOMETIMES SEVERAL TIMES PER DAY. YOU BET BC THE SERVICE JUST AS BAD OR WORSE THAN BOA.

got $1200 chargeback to my acct and its the 12th and another one hit $500 to the same acct, thinking bc its the weekend and the higher up staff isnt there to freeze all 3 of the accts.

this a company that goes on about supporting the military right?

in all fairness to the bank etc.

chargebacks i thought bank were support to notify you, this is about to happen etc

this one broad higher up the chain on thursday. hrs has going by yet since the $1200chargeback. bc i called and wanted answers and i want to dispute it etc the broad froze al 3 accts,( out of spite!)

and their all joint accts, OK for whatever reason they took it, it had nothing to do wmy 8 yr old kid and the other had nothing to do w/my spouse that was on TDY for 45 days etc.

so the focus was me and me alone. they blackmailed me into covering the chargeback i was disputing, after telling them look whatever money thats due to post belongs to my husband, they didnt care , so i took my hubby funds to unfreeze accts so me and 8 yrs can survive.

not all of us have family or close friends to loan us a few bucks, everytime we hav a situation.
until they complete their investigation etc , i beg and beg this Rep to give us mercy by at least giving us a reasonable timeline to cover chargeback. etc all our paychecks are direct deposit, so why not work with us 15th around the corner and beside, the problem accts is on.

reasonable its on hold but the acct isnt joint with my spouse, so why bring him into this also? my spouse is lower ranking officer w/top and secret clearances, cant fly w/o it in AF.

so what fool would risk ruining their credit and good name for $1200? damn i mean why wasnt that used to blackmail us?

USAA the monster that it is.. bc the rep handling the chargeback disputes didnt get any return calls

she agreed to take the freeze off all the accts, if i took my hubby money to cover the chargeback, she couldnt wait for my august first paycheck direct deposit.
the USAA monster is greedy and irrational.lol
anyhow i was so happy that i was able to feed my kid and put food on the table and fill up the gas tank etc..

wasnt thinking at the moment how USAA was going to let let us go hungry etc and merciless beas t is shameless, heartless.

Integrity yeah.... and the support to us is a joke!

go hungry and risk credit damage and lose career if you dont pay chargeback on the USAA monster irrational timeline..

remember they are suppose to be investigating. so why not complete it and and then apply pressure to pay it at that time?

ok where is the military support or fairness here?

i dont see how they are on my team here.

well thats why made a change to them in 98.

just unreal and the on going nightmare caused us back over to BOA military bank for our banking needs.

dont get me wrong please. i dont expect ass kissing. im always respectful if i use a foul word. i say it excuse me..
after all cant curse the very rep that has the power in helping..

just be fair and consistence with ur policies and protocol.

i offered to send endless proof that the chargebacks are invaild etc ok dont listen to what im saying but let me show you proof , so you have more info to consider while ur investigating the chargebacks for me.
nah they had no desires to let me send them the info but this morning. i did go into USAA login using the msg option ,attached the info and posted the ext # of the Rep etc

explain to me whats the worse that could happened in the outcome( which im sure it wont if they do their jobs correctly) said i would have to pay it, their reason is because of them but not a bank error , so it shoudnt have to suffer the loss..well wait..

in fairness to bank. in good faith let our friends and family do cash advances etc either by calling in or us login into USAA inputing our own info or family and friends info etc ..
the feature is great but when things like in my case goes wrong, and i have proof but its clear why it went wrong to them and me now.
all they require is cc # billing zip, $ amount, 3 #s on the back of the card and thats it!

nothing standard like the exp, when we make a purchase at website.

USAA verification process is too soft, dont ask for name on the card and the same-thing , when you call the bank to process it for you etc..

they tell me that when they process to collect funds from the other side etc ..they use the members name.
well no wonder the other company sent it back. im not a valid user of the card..make sense for them to send it back bc it belongs to fRIEND and relatives lol ..duh

why offer the service for us and brag on how easy our friends and family can post funds to our USAA accts.
they did process it and looks like fraud from the other sides. they are protecting their customers, how doesnt it make sense?
that i would GET chargeback if they arent processing the info accureratly .never said im the card holder.lol its crazy!

friends and family cant send funds really.

, longs the banks arent doing their jobs on the other end, then you wont suffer chargebacks hassles. very shady of USAA its like.

SUPPORT US BY OFFERING SERVICES that helps us but also protects by being error proof etc .
so they dont have to be in a position to take funds from us and, hear ME begging to allow me to feed my kid and for the Rep to be merciful.and to please allow us to pay bills on the 15th.

i take it personal bc, they were willing to keep us from feeding our kid.and didnt give a damn about our careers, you mess someone kid, policy or not, its war!

black mailing bank

if there is a black b white policies thats deals with our case..please feel free to share it..wife_of_ironman yeahwhoo

costly lesson learned either way
no wonder many old timers, hide money in their homes bc, the banks are legal crooks

doing allotments to pay bills ,so it cant be at risk to go unpaid..gonna trust MAC until they mess up also.

BTW AFTER MY NIGHTMARE EXP using the cash advance ..guess what the REP...after all my problems wthe cash advances etc..

she ask do you all any credit card etc..why dont you use CC to do cash advance to cover any bills you are expecting ..hmmm isnt that the cause my problems in the first place..hell no!

so livid and out of energy just..laughed and asked are you serious?

twighlight zone

crazy USAA Rep lol

ove most of USAA PRODUCTS BUT, the banking DEPT ov...

2008-07-12T20:52:00.000-04:00

Just join a credit union, I did. USAA is a crimin...

2007-12-06T05:32:00.000-05:00

Just join a credit union, I did. USAA is a criminal corporation full of the sleaziest most disreputable sloth I have ever come across. I would never EVER do business with them again. In fact my experiences were so bad, I look for ANY opportunity to bad mouth them.

I have been a USAA customer since 1999, and not be...

2007-08-27T15:51:00.000-04:00

I have been a USAA customer since 1999, and not because it was "great", rather I had no choice. I had a few bad incidents with money in the Army when I wasn't paid for three months at one point after leaving Basic Training, and my name got on Chexsystems with Wachovia. USAA boasts economic convenience in the lack of monthly fees, refunds for atm, etc., but there are greater flaws that outweigh the benefits.

For instance the $29 overdraft fees. Right now my account is negative $165 after 6 consecutive overdraft fees from the SAME company attempting to make an ACH withdrawal. A company which, by the way, I reported would attempt these withdrawals and was told they would be blocked for six months after paying a $29 fee to have them blocked!

I understand every bank does this, but when the reasons your account is low on funds can be blamed on the fact that you have no branch to make a deposit at, you have a new job, and your direct deposit is not set up- the faults outweigh the benefits.

I had closed my account some time ago, and in October of 2006 I decided to open it again after I was informed an old check for $1300 had been sitting in their system for two years (they never even bothered looking for me to inform me this money was available). At the time, I was supposed to be able to deposit my checks at the UPS Store. Lo and behold, November 2006 rolls around (just one month after opening my account), and now I can't make deposits at UPS!

Good customer service? Yes, but as someone else stated- you call A LOT... why? Because there is ALWAYS a problem with your account! Once I tried to make a cash advance from my credit card through the internet. It failed to go through 6 times, and after realizing I was typing a wrong number, I corrected it and it went through for $100. My card had a $700 for that hundred PLUS the six other failed attempts! It took them almost 4 days to remove this hold since the advance was made on a Friday and their reversal didn't post until midnight Tuesday morning.

So seriously- if it weren't for the lack of monthly fees, ATM surcharge (which they obligate themselves to pay by not providing their own ATMs- and by the way, the fees are free either way at ATMs displaying AFFN which nowadays there are MANY), minimal rebates, and interest USAA would probably be the worst bank and no better than a prepaid check card!

yeah, i'm with most everyone else on this one. i'v...

2007-01-31T02:34:00.000-05:00

yeah, i'm with most everyone else on this one. i've been a long time customer of usaa and have nothing but great things to say about them. come to think of it, i can't think of any other company i can say that about. i think your question of the "fee" increases (which certainly are not the "fees" most people refer to when assesing the pros and cons of an account) was answered by the previous poster that said it was to encourage use of the online documents available in pdf form. as for the ups envelope..when i'm broke and get a check for some freelance job, i most certainly appreciate th eservice...especially with no local branches.

I have been using USAA for insurance for over 20 y...

2006-09-27T12:12:00.000-04:00

I have been using USAA for insurance for over 20 years, and their banking for approximately ten years. I have nothing but good things to say about them. ATM rebates are fantastic, and when I mail in a deposit, it often clears FASTER than deposits I put in with my local bank. I have never needed any of the services that they are raising rates on, so I am one of those who is not affected by that. They make everything easy for me, and I love that I can see my checks and statements online at any time. If I'm not mistaken, USAA is a non-profit company. This is why I feel they're not out to nickel-and-dime us. Unlike with other banks, I usually have faith that when USAA has to raise its rates for some service, it is only doing so to cover its costs. No, I'm not an employee, just a very happy customer.

I briefly read this string of comments. I've been...

2006-08-26T02:21:00.000-04:00

I briefly read this string of comments. I've been a USAA customer/fan since 1996. They were great to me back when I was a young LT that did hardly any business with them and they are great to me now. I have had 2 car wrecks since I've been with USAA, had a car broken into once, and needed road side assistance twice. They currently use USAA as a bank and credit card and to insure my two cars, and my two houses. In 10 years of dealing with USAA I have found their employees an absolute joy to work with. They are the most curtious and professional people I've worked with in the financial industry. I live in NC and still use USAA as my primary bank. I do all my transactions with USAA and even use USAA's free service to transfer money between my other bank accounts. I've never paid any of the fees you mention in your comments because I do everything on-line. I'm so happy with USAA that you couldn't pay me to use another bank or insurance company. I'd be happy to pay more for the peace of mind and service I get from this outstanding company. If it were more expensive it would be worth it.

One thing you also have to remember that as employ...

2006-07-08T04:04:00.000-04:00

One thing you also have to remember that as employess we are eligible for the products and most of us carry them. I deal with both ends of the banking products and would not deal with any other bank again. We are out to get anyone we are there to help and to be the best that we can be as a bank. As a person I won't sell a product I don't believe in fully, I use it and I love it. I have not had a complaint, if I have the smallest problem I go online or call in, which consider your selves lucky that there isn't a fee for that, I know I do when Wells Fargo charges me. I also believe that before you sign ANYTHING read the fine print, there is a reason that most busineses put out the fancy advertisements, to get busniess. But before you decide to put your hard earned money anywhere, know where it's going and what's going to happen to it. Just be smart about and realize that it's not a effort to be decieving, all it is is a showcase of the best features.

I believe the fee issue comes in to play when ther...

2006-07-08T03:57:00.000-04:00

I believe the fee issue comes in to play when there are certain members that abuse the system by refusing to keep their own statements or refusing to get their documents electronically. There is a bit a research required in statment copies and check copies. Instances where people aren't sure of dates or amounts or both. Random obscure requests from people who should keep better records jack prices up. Unfortunetely those who know exactly what they are looking for suffer because there are those who request the research first then the copy or multiple copies. And still regarding of the fees for some things, I think that the benefits out way all of that.

I've been a USAA bank customer since they were nam...

2006-06-12T04:25:00.000-04:00

I've been a USAA bank customer since they were named the best bank in America by Money mag. some years back. I love the service I get every single time I call (and I call a lot!) and I don't feel nickled and dimed by them. I get free checks (not that I use them -- I prefer using my debit card and getting the half percent cash back) and the atm fee refunds -- which is very unusual, I believe.

Why don't you check other banks' fees and see if USAA's are comparable? Maybe they're just trying to get to parity with other banks?

Dear Anonymous,

Thanks for your comment. Ye...

2006-06-11T10:36:00.000-04:00

Dear Anonymous,

Thanks for your comment. Yes, I grant that the benefits of these accounts are great, when compared to the competition. But I wouldn't be so quick to discount the miscellaneous fees. And I have to ask: If the miscellaneous fees don't affect most USAA customers, then why bother raising them, and why by so much -- 100%, 150%, 400%? I would like to get an explanation of the reasoning behind raising these fees, and by so much, which no USAA employee or USAA fan has been able to give.

On another related note, tomorrow (Monday, June 12) I will be posting something about the marketing of these USAA accounts. I'll post the link somewhere on this blog post.

Not to discount anything you've said but the fees ...

2006-06-10T15:56:00.000-04:00

Not to discount anything you've said but the fees you're talking about are miscellaneous type fees and don't affect the average customer on a month-to-month basis. What you should focus on are the 'meat and potato' fees that affect everyone. And on those, USAA is probably one of the most competitive.
1. No monthly service fee regardless of balance. Also, direct deposit is not a consideration in this policy.
2. ATM rebates at other bank ATMs up to 10 per month.
3. FREE Web BillPay.
4. FREE debit MasterCard with 1/2 percent rebate on purchases.
5. FREE checks for the life of the account.
6. FREE electronic documents service. If you need a copy of a past statement, just go to usaa.com, find the document and print it off, free of charge.

So, for the most part, USAA customers pay no fees on a monthly basis. It's only on the rare occasion where the fees you mentioned come in to play.

Dear Anonymous USAA employee,

Thanks for yo...

2006-06-09T08:36:00.000-04:00

Dear Anonymous USAA employee,

Thanks for your response. I do realize that most employees are fiercely committed to the core values of the organization, and whenever I have talked with them on the phone I have been impressed with their friendliness and willingness to resolve issues.

However, while I am impressed by most USAA services I contract from your organization (home, car, life insurance, and the credit card) I am beginning to have serious doubts about the USAA Federal Savings Bank. Most customers that switch to FSB do so because a) USAA offers better rates/fees/services and b) they are fed up with their old bank's rates/fees/services. Because of USAA's stellar services and treatment in other areas, we honestly thought USAA had more moral backbone, and wouldn't try to pull a fast one with the bank accounts, like Bank of America. Sneaking in 100% and 400% fee increases in the back of three-page legal notice without any explanation seems sneaky, unfair, and arbitrary. It also seems misleading in light of the marketing promises that promised low fees as part of signing up. I can tell you that if the same marketing messages indicated that fees would rise by this amount after a year or two I almost certainly would not have signed up for the FSB account. Sneaking in the fee increases now really seems like a bait and switch.

I think USAA needs to give its members an honest explanation of why it is raising banking fees by so much. Surely the cost of photocopying a document hasn't risen five fold -- seriously, has the photocopier been moved to El Paso? If it's the cost of doing business, then why weren't these fees in place two years ago?

I invite any USAA employee to post here to explain what's going on.

Thanks!

If the referring string info you stated is correct...

2006-06-09T02:03:00.000-04:00

If the referring string info you stated is correct then the post probably did come from a USAA employee. As one of the 20,000 employees of USAA, I'd like to offer an apology and reassure you that the vast majority of us are fiercly committed to upholding the core values of the organization: service, loyalty, honesty and integrity. It's unfortunate that we might have had an employee who didn't consider this when responding to your post, especially since you're a member. As for your concerns about recent innovations and service fee changes, rest assured that USAA FSB is still one of the best bargains in the industry especially for the level of service. Remember, we don't answer to stockholders like other big banks. Ultimately, we answer to the members and we're doing everything we can to deliver the best banking products possible. Thanks for being a customer.

Comments on Fidelity Observer: USAA responds to Fidelity Observer with a playgrou...

I know this is completely off the topic, but Does ...

im sorry all about the copies here..newbie here on...

ove most of USAA PRODUCTS BUT, the banking DEPT ov...

ove most of USAA PRODUCTS BUT, the banking DEPT ov...

Just join a credit union, I did. USAA is a crimin...

I have been a USAA customer since 1999, and not be...

yeah, i'm with most everyone else on this one. i'v...

I have been using USAA for insurance for over 20 y...

I briefly read this string of comments. I've been...

One thing you also have to remember that as employ...

I believe the fee issue comes in to play when ther...

I've been a USAA bank customer since they were nam...

Dear Anonymous,Thanks for your comment. Ye...

Not to discount anything you've said but the fees ...

Dear Anonymous USAA employee,Thanks for yo...

If the referring string info you stated is correct...

Dear Anonymous,

Thanks for your comment. Ye...

Dear Anonymous USAA employee,

Thanks for yo...