Done with USAA, looking for a better option

[Anonymous]

USAA is a shitshow. They took the thing they were renowned for-- a pleasant and intelligent customer service staff-- and replaced it with... not even AI. Dumber than AI.

But I did love the no-fees and the one-stop-shop part (cheapest insurance I've been able to find, so I'll keep it for that.)

Anyway, anyone got a bank that pisses them off less than once per fiscal quarter? That's where the bar is with USAA.

[Anonymous]

I moved last year to Truist after USAA kept lying about the money they were to restore after my debit card was hacked. I’m not syaing Truist is perfect but I appreciate them having so many local branches.

I do still keep $2 each in my USAA checking and savings to keep the accounts open if I ever need them.

[Anonymous]

Anonymous wrote:I moved last year to Truist after USAA kept lying about the money they were to restore after my debit card was hacked. I’m not syaing Truist is perfect but I appreciate them having so many local branches.

I do still keep $2 each in my USAA checking and savings to keep the accounts open if I ever need them.

My Truist account was hacked multiple times even after putting special fraud alerts on it. Now they keep screwing up my kids’ accounts.

[Anonymous]

What is the issue exactly? I use USAA for most things but haven’t had to call their 800 number in the last year. I called several times August 2024 about an issue we had with a payment for a car purchase (dealer issues) as well as with insurance questions and each time I reached live individuals who were very helpful. Did something change? I’d hate to have to move banks. I have had an awful time with Capitol One and I’m not impressed with Chase Bank. Capital One held my college kid’s money hostage for years (really years!) claiming they couldn’t release funds from her account because they had to freeze it with no valid explanation. I couldn’t get any help at the branch and had to rely on their 800# where they just kept passing the buck and promising to investigate.

[Anonymous]

Anonymous wrote:What is the issue exactly? I use USAA for most things but haven’t had to call their 800 number in the last year. I called several times August 2024 about an issue we had with a payment for a car purchase (dealer issues) as well as with insurance questions and each time I reached live individuals who were very helpful. Did something change? I’d hate to have to move banks. I have had an awful time with Capitol One and I’m not impressed with Chase Bank. Capital One held my college kid’s money hostage for years (really years!) claiming they couldn’t release funds from her account because they had to freeze it with no valid explanation. I couldn’t get any help at the branch and had to rely on their 800# where they just kept passing the buck and promising to investigate.

Capital One is the worst, will never do any kind of business with them again.

[Anonymous]

Agree - USAA sucks. We still do have some accounts there but moved all 529s after they transferred them and closed all our credit cards with them.

[Anonymous]

Their insurance used to be the cream of the crop. Now they low ball estimates on repairs and cut a check quickly hoping you’ll go away.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I moved last year to Truist after USAA kept lying about the money they were to restore after my debit card was hacked. I’m not syaing Truist is perfect but I appreciate them having so many local branches.

I do still keep $2 each in my USAA checking and savings to keep the accounts open if I ever need them.

My Truist account was hacked multiple times even after putting special fraud alerts on it. Now they keep screwing up my kids’ accounts.

My issue wasn’t the hack. No bank is full proof from fraud. It was the lies they told about why they were delayed in refunding the money.

[Anonymous]

This is concerning. I wonder which insurance company is better for service. ??

[Anonymous]

Just left USAA for Liberty Mutual. Save $250/mo.

[Anonymous]

No one has bank recommendations?

[Anonymous]

20+ years USAA member, left last year to Erie, saved $3k (on home, auto, umbrella, valuable property). It took a lot for me to leave since I had been with them so long but their prices kept going up and I started resenting all those commercials

[Anonymous]

Navy Federal? I know some have had issues with them, though.

[Anonymous]

Anonymous wrote:20+ years USAA member, left last year to Erie, saved $3k (on home, auto, umbrella, valuable property). It took a lot for me to leave since I had been with them so long but their prices kept going up and I started resenting all those commercials

Erie is your new bank?

[Anonymous]

Anonymous wrote:Just left USAA for Liberty Mutual. Save $250/mo.

They provide banking?