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Our car was repossessed. Fine. We paid the back pay, but the company added an extra month that wasn’t past due. We had to pay it in order to get our car back. We paid all of the money, over $3,000 on Friday. The bank, doesn’t send a release to the second company who is then responsible for sending their release to the tow yard. At this point, we’re incurring additional storage fees through no fault of our own and we don’t know when we can get our car. How are they effectively running a business? More Importantly, WHY are they still in business. I wish we were more proactive in researching this bank. PLEASE DO NOT EVER DO BUSINESS WITH THIS BANK, ON ANY LEVEL! THEY ARE HORRIBLE. I wish I could give zero stars but that’s not an option.


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Wrong information and poor customer service giving wrong information! On December 27 I called and asked my secured credit card to be changed to an unsecured credit card and closed the secure credit card by paying it off during the phone call using my checking account. They told me and unsecured credit card would be issued to me by mail in 5 to 7 business days. Today is 18 January and I have not seen any credit card come in the mail from fifth third Bank. I called customer service and spent 45 minutes and put on hold 4 times and spoke to two different people. They said there was no reference showing the secured credit card was closed. 


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Please save yourself the trouble of doing any business with 5th 3rd Bank if at all possible. They are unbelievably slow and blame everything on any other reason but themselves. Supervisors never get back with you after repeat calls and messages. They always have a new excuse as to why it takes them 2 weeks to a month to reimburse any FSA funds. Blaming my employer... My employer pays out weekly. The most often payout as anyone!! They say I must have things faxed in on a Thursday for it to be processed the following week. Then that is not enough.


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Do not use Fifth Third Bank's credit cards! Save yourself the aggravation of having to deal with unprofessional and arrogant representatives. I opened a credit card in November. They had offered me a 7,000 line based on my credit score over 770. I also immediately applied for auto draft. This is an unnecessary complicated process by exchanging letters. No online feature! I got an auto draft confirmation in early January. I made my January payment as they stated it would take a billing cycle. My next statement had a payment date of February 14th. On the 16th I had not seen a debit on my bank account. I logged in to my Fifth Third account and saw a $27 late fee!. No reminder or alert. No e-mail or any other form of letting me know that I had to make this payment manually. They also put a ding in my credit score! I called and the rep. in broken English explained that the department was closed and I needed to call back next day. 


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We had a 72 mo. loan with 5/3 bank. From day one they were a pain starting with the fact they would not accept auto pay. After closing of the loan, no documentation was sent confirm the load was closed and paid off. Now, since title was never sent nor a lien release, they want 3 business days starting the day after the request to process a single piece of paper. Then they will only fax it (didn't realize we were stuck in 1990) or mail it. The best part is they will not overnight or expedite the mailing process even when the customer offers to provide their FedEx account number. Also, no electronic document will be sent (email, secure website, DocuSign, etc).


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Fifth Third Bank is ONE OF THE WORST BANKS I HAVE EVER USED! They accepted a transfer from a separate account I have BUT THEY HAD CLOSED MY SAVINGS ACCOUNT WITHOUT NOTIFYING ME!! So my money is just GONE! When I called to ask a.) WHY was my account closed with no notice? and b.) WHERE is my money? All the girl could say was ‘I don’t send out notices. I’m not sure why you didn’t receive a letter or if you did or didn’t.’ EXCUSE ME?! So because YOU weren’t supposed to send the note out you can’t direct me to someone who WAS?? WHY was the transfer accepted if the account no longer existed?? WHAT were they going to do had I not called and asked?? This bank has left me with nothing but bad experiences the entire time I used them.


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Bank employee persuaded me to enter a credit card processing deal saying it would save me money. Instead it takes more money from my account, auto renews with a charge of $300 levied if contract is broken. Additionally a yearly charge of $300! Win-win for them and lose-lose for me. Trusted my bank to guide me with honest employees instead I was lied and misguided. How is this allowed? I don't hire a lawyer for simple credit card processing contract but they knew they were trapping me. I did not ask for this. They offered and lured me by lying that it was better for me. Plus when complained they say there is nothing they can do, even though it was their employee who lied to me.


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I cannot review the customer service for this company because it does not seem to exist. I have yet to speak to a human person on the phone in their insurance dept. Over the last two weeks, I've been on hold for a grand total of nearly 3 hours. Each time, I had to hang up out of frustration before ever getting a chance to speak with someone. I have had no replies to multiple emails as well. Does this company even exist?! Are ghosts handling my mortgage?! Please help!


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A horrible bank with poor practices & full of unprofessionalism. I would not recommend it, canceling all my business with this institution if you can called that. They will screw you in any way they can!!! Be alert! My card was over limit one day for just $11 and it cost me a lot on my FICO score, after working so hard to keep it up and maintaining, I immediately made a payment even when the bill was not even sent nor where time to make payments since I always, make my payments even twice in the same month, this people are horrible. I guess they didn’t like my name and I feel that they are discriminating because no other bank would such thing like that. I have spoken to the dispute center and they told me that in order to report something it has to be more than 30 days but yet they reported my over the limit $11 for just one day, they don’t care for their customers. Run away from this people.


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I have banked with Fifth Third Bank for years. I truly believed Fifth Third Bank was great on keeping their customers safe and satisfied. I was wrong! I had my own personal checking account. In June, 2018 my boyfriend called his son, who is a manager at Fifth Third Bank and asked him to change my mailing address on my account and he had it done. I was not aware of the change until after the fact. A few months later, my chip wasn’t working on my debit card. I personally didn’t care, I just swiped it but my boyfriend at the time did care. He made another phone call to his son and asked him to cancel out my debit card and issue a new one to the address he had changed and of course his son done what Daddy asked.


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I set up an auto loan payment with Fifth Third Bank. Subsequently, I tried to set up an auto-pay in early 2018. After multiple missed payments with no email, mail, or call in regards to my account, my car eventually got repossessed. It turns out that there is no record of an auto-payment which doesn't surprise me due to their archaic method of requiring you to do it by paper rather than by a process of clicking through like most banks nowadays. I had got on and paid double the amount of the payment once as well, due to a late payment (in an attempt to pay both the late payment and the upcoming month). 


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Called to cancel our cards due to a phishing scam that compromised the card. The first person permanently closed the account. Then realized he could not issue new cards so placed us on hold for 30 mins. The second lady could not help at all because we needed to open a new account, not get a new card. In the middle of talking with her I asked what else we could do and she said "open a card with another company." So I hung up and did that, best, worst advice ever, extremely unhelpful and rude.


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We bought a car from a dealership in Dec of 2016. Our payments started in March of 2017. We have had problems every month stating that payments have not been received but yet the money has come out of our account. On Jan 2 of 2019 they repossessed my vehicle stating I was 6 months behind. I have proof from my bank that the payments have been made and they refuse to see them. They want us to pay $25,000 which is the balance of the loan to get out car back. They never sent us a letter saying that they were going to repossess the vehicle. They say they sent one and that it was signed for but they mysteriously cannot produce where the letter was signed for. These people took almost $17,000 of our money and then stole our car. This bank should be put under.


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I've been a loyal Fifth Third Bank customer for over 10 years. I've had savings, credit card, HSA, and checking accounts during this time. Yesterday, my paycheck was deposited and the first $100 cleared, as it normally would. I went about my business, put gas in my car, got some groceries, etc. I woke this morning to find a negative balance. I called the home office and was informed that Fifth Third has decided to hold my ENTIRE paycheck for over 10 days. The reason they cited was overdraft history, and I haven't had an overdraft in months. My previous overdraft incurred a fee that Fifth Third agreed to reverse, due to a double charge from my car payment billing system (an error on the lender's end, not Fifth Third's). 


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Never in my life have had such a hard time getting customer service. Our home loan was sold to FTB and has been a nightmare ever since. We had an insurance claim check which they lost then said they never received it even though they had sent out several letters stating they needed more information before they could endorse the check. Contacting their loss claims dept. is virtually impossible and getting back a response from their voice mail is non-existent. When I did get through after almost an hour of being on hold I was told the check was lost then I was then told by Theresa to go ahead and blast them on social media if I felt I need to. So I guess that's where I'm going to have to go next as soon I have filed my complaint with the Federal Banking Commission.


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My card number was stolen so I placed a stop on my card and they issued a new one. When they issued a new one they did not deduct all of the payments that I had made to the account. I asked that they add all of the purchases and deduct all of the payments that had been made to the account since I opened the account and they would see that I only owe them 80 cents. Keep in mind that I only had the card for 3 or 4 months and only placed certain purchases on the card. They, continually, screw up. Now, I've asked that my rewards be used to pay them to finish paying the account even though I don't owe them and for 2 weeks they have not deducted the amount. I will no longer use their card. They are a joke!


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I have been on hold and transferred from one department to another for collectively 1/4 of my life with this bank. No one knows anything. I even had to insert my social security number not once but twice into their system and the agent still asked for my social! Ridiculous! Well it makes more sense when I also found out they service mortgages in the Philippines!!!


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I have been a customer of Fifth Third Bank for a few years now, I have a car loan with them. Every time I have a question, or I need help, or a change in my account, or I don't understand a policy, I get someone on the phone who is condescending, and has with an unpleasant tone and attitude with me. I asked a colleague of mine who also has an account there if he had the same experience and he said he did. I'm going to refinance in order to not do business with this bank anymore. I am a customer of other banks, and though there may be things one doesn't like about them, I have never been treated this way by these institutions.


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I refinanced my house, and the new lender paid off 3 accounts - my principal mortgage, my equity line of credit at Fifth Third and a Capital One Credit Card. The principal received the money the next day and immediately paid the balance off. The account was closed. The credit card was paid by check to me that I had to mail to them. The last was the equity line at Fifth Third. They held the money for 3 days, presumably to gain a little extra interest. Then, I discovered that they had been overpaid by under $25. It was a weekend, so I had to wait 3 more days to call them to transfer the $25 to my checking, since I wasn't allowed to transfer it myself. They said they would do it, but that it would take up to 5 business days. To transfer under $25 from one of my accounts to another. More interest-grabbing I suspect. Can't wait to close all of my account with them!!!!


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This is the worst bank to have a credit card with!!! They will charge extra for EVERYTHING and take a regular payment transaction via PayPal or other payments system as a CASH ADVANCE and will charge you cash advance interest and add a fee!!! Ridiculous. Customer service is awful! Rude, not helpful at all, raising voice and arguing rudely! Stay away from this bank. Do NOT open credit card with them.


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This is now the 2nd time in 2 months that the online synchronizing with QB is down. Last time it was 3 weeks down and now 3 day so far. When I manage to finally get to the department 11 min via your VM system. I was told, "Yes we know about the problem and no we do not let clients know that we have problems and that we do not know if and when it will be fixed." Really? Is it that hard to send an email out letting your clients know that once more your IT dep has shut the clients down? 


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My daughter financed her new vehicle with this bank and it's been trouble since day one. To start, they kept "reversing" her payment and then charged her a late fee. I then stepped in and after an incredibly painful ordeal (since they have no real method of having someone else pay on an account not in their name. How could you not want someone's money???) of getting authorized to send an e-check (e-check??? This is the only bank I know that won't take a Credit/Debit payment, and the authorization takes days.) and even my payment was reversed after several days - and it shouldn't have been.


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For 2nd time in less than 2 months, Fifth Third Bank's fraud department has frozen my accounts for what they deem "suspicious" activity. I wasn't even notified that accounts were frozen so that I could dispute the issue!!! I was attempting to use my debit card to pay for over $200 in groceries when I found out that I couldn't access my accounts. (I have $8,000.00+ in my accounts.) I called the bank only to find out that the fraud dept. works "banker's hours" and that I would have to call back the following day. 


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This bank is not customer oriented at all. With the H.S.A account, you are charged to open the account, monthly fees while the account is opened, and then charged a fee to CLOSE the account - $25.00. Absolutely ridiculous. I am just amazed with all the other banks that give these options with far better terms for any bank account. Will be leaving this bank shortly. Just appalled.


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Over the weekend I had $32 on the account I swiped a few times and end up with a balanced of $16.90. I'm an Uber driver and see my checking account was really low and decided to cash out $240.16 through instant pay. Minutes after the instant pay went through I decided to check the balance on my checking account and I was not surprised to see instead of having a balance of $257.06 (16.90 + 240.16), it was 237.04. One hour later I checked my account again and notices a new balanced of $232.14. 


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We have had a 15- year old mortgage there, a mortgage nearly as old as the banker who thought my ID must have looked fake enough to warrant her quizzing me on my husband's phone number etc. After several months earlier this year, they finally got my Indiana PO Box address correct. They cannot get it yet for my husband even though we have the same address!! So we get some bank statements and some credit card statements. I have to remember to go in and ask for credit card statements. Turnover is high at Dupont/Coldwater branch in Ft. Wayne, the new girl does not know me/him and tells me he has to come in to pick up the statement himself. He stays at our Ohio house during the week. 


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I don't know what has happened to Fifth Third Bank, but their customer service is terrible. They closed one branch in Lincolnton, leaving only one. The lines to the teller windows are backed up and there is usually only one teller trying to handle 3 lanes of traffic. When I called today I got put on hold for 20 minutes twice before I hung up; third time no one answered and I got transferred to an account center, which informed me the wait time was between 18 and 23 minutes. That is ridiculous. I have banked with this company for 20 years, when it was Lincoln Bank but I am ready to move to a bank where I can reach someone if I have a question.


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Fifth Third has been playing games and switching me all over the place to different depts and I had my home mortgage sold to them without my knowledge and I pay all my prop taxes and insurance directly to policy and county taxes - they’ve tried to put a FORCED ESCROW on an act that has a ZERO escrow balance and I pre-paid taxes and they put my house payment in unapplied funds for weeks and call them at least 2-3 x week and diff “managers” promise to get it fixed then run around every month and I am on disability and they are trying to force me and daughter out of home by increasing home payment by over $400 MONTH when I DONT HAVE ESCROW!!! I’ve paid multiple fees and charges and promises to fix my account go around in circles and I was hospitalized from the stress of them playing the games with my money and home!! 


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I pay into a mortgage escrow acct for 5/3rd to pay my mortgage insurance. 5/3 changed the billing address for insurance bills to be submitted without advising all the insurance companies. I happened to call my insurance company purely by chance the day before they were going to cancel my homeowner's policy to find out the payment was never made. I had to pay $220 to keep my policy active and after numerous calls and being on hold for extended periods of time, having advised my insurance company of 5/3rd's new billing address and having emailed the insurance bill with the new rate, 5/3rd then makes a payment that is short $86 in the amount of the previous year's policy. 


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Want to report my recent experience with them. I was charged Late and Interest fee. On all my payment being made, it clearly says it is Autopay. When I call them they said it is NOT on Autopay. They transferred me 4 times and the last time they just hung up without solving my issue. Horrible people, horrible bank. Never ever will bank with them.


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Experiencing a lot of accidental double withdrawals on any form of electronic payment with them. They are less than helpful and often come up with excuses as to why they won’t refund my money. I’ve decided that from now on, I will send them checks, only. I’m not liking being down to only a few dozen dollars in my checking, thanks.


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Avoid using Fifth Third Bank credit cards! I paid off a small balance in June. After that, a small finance charge of $1.16 was applied to my account. I never received any statements online or mail. I also never received a call that I had a payment due. They reported my credit to all three credit bureaus over $1.16! I called customer service and this "manager" was extremely arrogant and rude. She said that I definitely DID receive a statement (as if she has access to my email). I asked to speak to her supervisor and she refused to transfer me, and stated she was the highest person I can deal with. Also, their online banking does not offer an option for auto pay. I never had a bank that did not offer that option. I repeat. Do NOT use this company. This is the way they will treat you!


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I have recently moved over to Fifth Third. This past week I had manually deposit my paycheck, since direct deposit was not finalized. When I went into the branch the teller told me that only the first $100 would available right away and the remaining funds would be available the next day. The following day I went to try to withdraw some funds from the account. I was told there are insufficient funds. When I called customer service they told me a 14 day hold was put on my paycheck. Without giving me any particular reason why. I’m wondering if anyone else experienced a similar situation with Fifth Third? If so what needed to be done to get it resolved?


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I'm not sure why this bank takes 3 or more days to transfer funds to an outside bank. I'm no longer interested in this bank after 3 years. If I had a recurring bill or simply wanted to send my child funds in college there would be a terrible delay.


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Without going into lengthy detail about my business account, personal account and mortgage experience, these are the need to knows: 1). The main branch telephone is mostly answered by a remote calling center, if at all. 2). The local branch rarely answers the telephone and does not respond to left messages. Email communications are only sometimes answered. 3). Important communication between the branches and main office are done by e-chat and not by telephone. Therefore, visits to the local branch are mostly ineffective when it comes to problem solving. 4). There are plenty of hidden fees and costs.


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By May 2017, the Fifth Third Bank bought my mortgage from a different institution. In the middle of the month of June, 2017, I called the bank to see how I could send my monthly payment for two months ahead. They gave me the instructions to follow and I sent two separate checks. The bank gave me credit for just one of the payments, not the for the second payment. I spent more than 15 hours on the phone and at one of the local branch trying to find out what happen to my second mortgage payment. 


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I have been with Fifth Third (5/3) Bank for 4.5 years and have a very negative experience since day 1. (I wrote this review while I was on hold, trying to reach customer service). They make expensive mistakes ($1,200) - We got our mortgage from Fifth Third Bank when we bought our house. In our negotiation, the sellers were to cover $5,000 of closing costs. Just before loan closure, I got a call from the senior mortgage officer telling me that he wasn't sure that the $5,000 would be enough and he thought I should agree to increase my interest rate to cover the difference. If that was done, the difference would be less than $5,000 dollars. He assured me that I would be given the difference (I specifically asked). However, the remaining $1,200 dollars was refunded to the sellers.


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I paid for Homeowner's Insurance to American Family Insurance and to 2 different companies in 2016 that 53 Bank placed on my mortgage account. I paid the companies that were added to my mortgage account in 2016 a total of $832. I reported this incident in 2017 to 53 Bank when I notice the 2 companies on my statement and I was told that I would have to wait until 2018 to get the $832 back to me when the escrow is recalculated. Now when I call, 53 Bank refuses to give the $832 back to me. I have gave numerous of documents that 53 Bank requested from me. I need help with this situation. No matter how many documents I submit to 53 Bank they keep saying they need more documents. It is not acceptable to charge someone extra for a whole year and then refuses to give them the money back.


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I am kicking myself for not trusting the reviews I read before opening an account with this bank. I opened my account 9/8/18 and on 10/23/19 my account has been hacked and put into the negative. I immediately called customer service and sat on hold for about 10-15 waiting for someone to answer. Mind you it was 6:30am. What nonsense could possibly going on that early in the morning where I had to sit on hold. So after waiting a rep answers and I explain the situation. He then says, “Oh let me transfer you to disputes,” where I sat on hold again for another 10mins. Finally I get a rep and explain there are charges on my account that I didn’t do. She puts me on hold to review the account. She comes back and asks for account info to verify my identity. 


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To begin, I have been with 5/3 for almost an entire year. I should have ran as soon as I opened my account. When I opened my account early 2018, I was told that I would be receiving a debit card in the mail so they gave me a temporary card until my actual debit card arrived at my home (2 months later). The first temporary card I received was hacked into within the first two weeks of having it. Contacted the fraud department and they had to cancel that card, which still had money on it that they didn't transfer back to my actual checking account so that money is still sitting there and I have no way to retrieve it. Anyways, after the first fraud happened it took 12 business days for the money to be refunded to my account.


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I opened a checking account with them as an addition to my Suntrust to use as personal expenses. After not really using like I thought and getting charged an $11.00 bank fee every month, I asked them to close it. I was sent a form in Aug which I filled out and sent back. I’m still getting letters for an $11.00 overdraft checking fee! Im on at my wit's end. The account hasn’t been used in months. This bank isn’t getting a dime!


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Contact your state attorney general to complain about Fifth Third charging undisclosed fees for web-initiated bank transfers, which violates the Truth In Savings Act. Truly, they are outrageously greedy in just helping themselves to your hard-earned money for services that are FREE at other reputable financial institutions. While most banks charge nothing for transferring money via ACH, Fifth Third charges $3 without any notice or warning, and it's still just standard slow 3 day ACH, not the faster variety. 


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FIFTH THIRD OVERDRAFT FEES. This review pertains to my opinion that Fifth Third’s practices systematic generation of overdraft fees (to my checking account). Overdraft fees that are already excessively high. To begin… I have had two checking accounts with 5/3 since 2013. I now have one… (at least for another few days). My complaint? I believe 5/3 systematically structures credits/withdrawals into my checking account to allow overdrafts to occur. Here’s what they do. Let’s say that I have $0 in my account on one particular day, and that same day, I schedule a $50 cash transfer into my account (from a large financial institution). This $50 will be needed to cover two scheduled payments from checking account. One payment is for $40 and will take place two days later. And one payment is for $10 and will take place three days later.


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Their security/fraud department is ridiculous. My account has been hacked three times in two years, with the most recent twice within a month. My money is disappearing! I asked if they had a breach and they would not tell me, but that they are overwhelmed with calls and cannot keep up. Meanwhile, my account gets frozen and they say they will send a new debit card in 7-10 days. What??? I cannot wait that long to be able to function.


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I have been banking Fifth Third for a year. Never would have thought that they wouldn't support me as a real customer. I was charged for a sleazy motel stay that I never even spent 1 night in. I was charged for two... refunded the money by the bank (the one the nasty motel said they would put back on my card, but I never received because as they say my bank messed it up) only to get it taken out at rent time because they don't dispute with merchants. I have sent them countless emails and have received no response. A hundred dollars!!! This ruined my weekend and gave me extreme anxiety! I deposit over 500 dollars into this bank a week at the least to have to close it suddenly because they don't stand behind their customer. Utterly disgusted at this moment. Fiancee will be closing hers as soon as possible!


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I am normally the kind of person that will only ever leave reviews if it's good, based on a positive experience I've had with the company. It is rare for me to ever take the time out of my day to say anything bad about a company, however that being said 53rd Bank has gone above and beyond my limit for terrible and I must get the word out for others to know what I've endured so that at ALL COSTS you avoid this bank.


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The bank required us to start a checking account to save an extra .25 points on our mortgage. The account they started charged us $20/month which we were never told about. They also opened us a credit card after I said I don’t need one. We only used the checking account to pay our mortgage and transferred money from other banks to cover the amount. However, between the $20/month charges and increase in property taxes we started receiving overdrafts and Fifth Third would not work with us to refund all the charges. Worst bank I’ve ever dealt with when it comes to customer service.


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Scammers under the disguise of a bank. They do not allow you to set up AutoPay if payment is coming from another bank. I set up paperless billing and they do not email me statements or send me reminders. They charge late fee then send you a letter. I set up the reminders and still did not receive e-bills or reminders. They charge late fee again... unbelievable... finally paid it off and will not use it EVER again. 53 reason to stay AWAY!


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They charge you a overdraft fee when the check you wrote weeks ago crosses in transit in the middle of the night with your paycheck. I called parties that received the checks I sent and they told me that the check was deposited within days of receipt (over a week before this). They refuse to take the overdraft fees off and the center will not only be rude to you but will also refuse to allow you to talk to a supervisor. Bottom line... They set it up so that the check goes in at 11:59 and then the payroll checks process after midnight, thus leaving you in negative limbo so they can fee you to death. 


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On Friday, April 20 my husband put $200 in the ATM to cover our car insurance payment. (Monroe, NC Branch) We found out, when we received a letter from Geico, that the payment was declined & the money never posted to the account! My husband has contacted the bank multiple times and was told by the same lady that he would be getting a return phone call as soon as she spoke with the company that services the ATM... It has been more than 5 MONTHS! NO PHONE CALL! NO REFUND! They DO NOT care! We lost $200 AND, we still had to pay that payment, AGAIN, out of our own pocket! UNACCEPTABLE Customer Service! The Online Banking has NEVER worked, NOT ONCE! Automated system can never authenticate the account when you call so you can't check your balance and it blocks your card when you enter the correct information! Very Inconvenient!


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I paid my rent thru 5/3rd online payment system. The evening of the 5th, our landlord said he never got my payment. I called 5/3rd customer service at 7 AM the next morning. They pulled up the payment they sent just days before and put a stop payment on it. Charging me $33.00 fee. Called Landlord and processed an instant payment thru PayPal. Then this morning, the payment showed it was processed on the 5/3rd website. Now, the check was processed (even though I stopped payment on it) as well as the PayPal payment. Customer Service put a stop payment on the wrong check number. WOW... I live check to check and a double rent check does not fit into our budget. No wonder why their customer service recently received a very low score. After over 30 years with Fifth Third, I think it's time to find another bank that pays a little closer attention to details.


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Canton Michigan branch manager has been very disrespectful to my husband, talked down to him like he was trash not willing to help fix an issue with a check that was deposited into the atm, cleared then taken back out a day later. There are many other bad reviews on her, seems she needs to be reviewed. I get a complaint at my job I get wrote up. She's giving the company a terrible name! The atm has also not giving me a 300$ withdraw. After contacting customer service, being called a liar, over 2 months of fighting I finally got my money! I can't trust my money with this company any longer, I'm not wealthy enough to keep having them take it all the time!!!


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Our mortgage was held by different banks over the years but has been recently sold to the Fifth Third Bank. It's the WORST!!! With other banks, I would be able to set up an automatic electronic payment of my monthly mortgage amount from my bank account. Not with this one - they only allow electronic payments if you open a checking account with them. Who does this? So every month, I have to send an envelope with a check, and sometimes, the person opening these envelopes does not get to open mine on time, and I get assessed a late fee (and I always send my payment at least 5 days before the due date!). I think it's a scam that allows them to make extra money by claiming that the payment was late.


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Fifth Third Bank does not honor contract dates. This bank should maybe process cheese because they do not know how to properly process a mortgage application. They caused me to miss my closing date because the processor called off sick for 3 days!!! This bank is clueless.


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Fifth Third is unwilling to work with their customers when it comes to overdraft fees, even after you notice a negative balance and rectified it immediately. Fifth Third refused to remove this fee. Don't bank with 53!


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OK, so here was my first encounter with Fifth Third Bank; I purchase a vehicle from my mechanic (great guy, honest, stand up fellow). Anyways, this vehicle has a title issued years ago with a lien on it, no big deal, call the bank it's drawn on and ask for a release (did it for another vehicle we had sold this summer ourselves, with another more reputable institution). Here is where the circus begins, I am transferred not once, but twice, after being left on hold for an ungodly amount of time (I remain kind and patient with the representatives however, they're only human). I am transferred a third time to an outside 3rd party. Odd, I think, why would this be? They can't help me out? Why? It is a simple and easy request.


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If you bank with Fifth Third Bank, You should expect to have money STOLEN from your accounts. 148.00 overdraft fees because THEY wouldn't credit a "Pending" (they called it) within minutes AFTER they nailed me for all of my automatic payments. Called and Sarah was about as unprofessional and rude as could be and REFUSED to allow me to speak with a supervisor. I have had accounts with them for 33 years. WTH??? If you look on their reviews it appears their customer service has been declining. Yelp should have a minus on their stars. I will be moving my accounts.


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5/3 has charged me a $5 "dormant fee" on my "Totally Free Business Checking", which is ironic and an oxymoron. To reactivate I have to stop by a branch and make a deposit! So, do we think my money isn't earning 5/3 interest, and don't we call dormant money savings w/interest! The only reason for the account was it provided a MasterCard, my primary bank Charles Schwab pays me for banking with them and provides a Visa debt card, which doesn't work with some car rental companies. So in Boston had to rent a car and my MasterCard is declined! BIG PICTURE, if anyone leaves money in a 5/3 bank account, and forgets about it, or isn't actively using it, 5/3 will steal your money for themselves!


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After trying to recover my username I was transferred around for about an hour, they then told me to enter my SS# as a temporary username. That did not work. I called back and told them it was not working. They told me to call back another day. Customer service is awful.


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I transferred money from one of my Fifth Third accounts into another one on 7/9/18. I didn't realize at the time that the bank had closed the account I transferred the money to. A few days later I went in to look at my accounts and saw it had been closed, but the transfer was still pending. I waited a couple more days and figured the money would be put back into the originating account, but it was not. 


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Horrible, Horrible bank. They repoed my car because there was "no proof" of insurance. Once I submitted all the paperwork to them showing that my car had in fact been insured the whole time they still demanded me to pay $2,124.00 to them to have my car released. $395 for the towing, and all the rest in fees, stating they had added on an extra $200.00 each month for their own insurance since they were unaware that I had insurance for those months. I sent the $2,000.00 payment, called the towing place to pick my car and was told by the tow company not the bank, that they had received the instructions to send my vehicle to an auction. AFTER I HAD ALREADY PAID THE 2,000.00 DOLLARS. Completely unethical. I will tell any and everybody that I can about the service I received from this company. BY FAR THE WORST BANK I HAVE EVER DONE BUSINESS WITH!!!


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Since May 11, 2018, I have done nothing but argue with 5/3 Bank over unauthorized charges and overdraft fees. I was told by the Dispute Dept., that since I was a valued customer, a temporary credit would be issued to my account in 2-4 business days. I called 2 days later to find out the status and was told my dispute was denied. I was told I had to fax a letter to reopen the dispute and explain why. I went to Office Depot and faxed the letter then called to confirm they received it and was told it would take an additional 30 days for a decision to be made. First, I was told after 2 weeks it was denied, then 2 days later a decision had not been made. In the middle of this, they cancelled the original card and reissued a new one. I activated it and the next morning, I received a text from the Fraud Dept., stating there was a fraudulent charge on my card. 


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A customer traded her $18,000.00 car for another car from my dealership on June 6th 2018. Her trade in had a lien with Fifth Third Bank. She paid off her loan before the end of May. She contacted the Loan Dept of Fifth Third and they told her that the process will take ten days for the title of her vehicle to be released. She called them back after 2 weeks, they told her that there was a system error and that it will still take another 10 days for the title to be released. Around June 18th, she called them again, they told her that there was a system error and her account was paid off completely by June 11th. But for some unknown reason, the process hasn't started yet and that it will take another ten days for the title to be released.


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So after $637.58 in daily overdraft fees on a secondary account I have on my business, I noticed that Fifth Third covered a $12.99 automatic debit from that account, that should not have been paid, as I do not have overdraft protection nor do I keep money in this account. I basically keep this account open as a backup in case Wells Fargo decides to play games with me again. 


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This bank purchased my loan. So I did not choose to do business with them nor do I have any choice whatsoever. Very sad indeed as their website and supposed phone support is practically useless. After my horrible experience, I would advise that no one banks with this company if they can help it. Their phone service and prompts are redundant and useless. I had to call them 4 times and be placed on hold over 30 minutes each time and eventually disconnected each time. The 5th call - I actually got a person who simply told me they would mail me a form. Are you kidding me? If it is a form that I have to fill out and then mail in, why not make that blank form downloadable and printable online? Why make a customer wait on hold 4 times for 30 minutes to simply get a form???


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This bank has been charging me overdrafts and returning my checks with the money in the bank. They shut down my checking account, while turning my savings account into a checking account. March I was overdrawn by over 1000 dollars and I have my tax check and paychecks deposited into my account. They shut down my account in April without notification and then 2 weeks later I got a letter from a creditor... I have had direct deposit, and checking accounts with these people for years. I have had to shut the accounts down 2 times due to my account being compromised... I finally went to Wells Fargo and they were horrible. So, I tried to chose between the lesser of 2 evils. Fifth Third owes me money... And are trying to send me to the creditors. What legal help can I get.


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I have opened an account with 53 Bank. Initially they told me to give $200 as bonus once an account is opened and deposited $500 for period of 60 days. I have kept my money $500 for more than 60 days but the bonus was not credited though then I decided to ask the customer service. They are saying now the policy has been changed it has to be maintained for 90 days. This is a kind of cheating by 53 Bank to attract the customer. They advertise some fancy policy initially and later they cheat the customers. I kind of hurt with the kind of policy that they have. I request any new customer please don't open an account with 53 Bank. They are cheaters!!


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I received three calls a day every day from this bank. I am 20 days past due on my car payment. How are three calls a day considered respectable or reasonable? Even if I stay on the phone with them for an hour and explain my situation, I get a call back the same day, every time. It is harassment and it has to be illegal. The trashy institution, avoid at all cost.


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Although people who work there are usually nice, there are 3 MAJOR ISSUES that I experienced: 1) Very low mobile check deposit limit: $2500. 2) They CHARGE BACK mobile deposit checks for SPELLING OF PAYEE!! (ridiculous). 3) There is NO WIRE by phone or fax and it takes TWO DAYS - TWO TRIPS to branch to even authorize a wire if they do NOT have enough managers to approve the first time. The banker felt so bad for me after 25 calls I had to make to just wire the funds... he actually made a trip to meet me to resign the wire. 4) Bill pay is ridiculous. It's been 30 days since I sent my mortgage check and it's nowhere to be found! I requested a trace 20 days ago - they asked me for endless information - such as payee details etc - I provided it all - and they just never resolved the issue REFUSING TO express a replacement or to WIRE the funds. BANK FROM HELL for sure.


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Fifth Third sent our mortgage bill to robo call collections for an entire weekend (3+ calls a day) following the Friday they received the payment as was stamped on the canceled check.


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In January 2018 my account had a hold placed on it by the bank for questionable activity. When I contacted the bank they had questions about 3 debits made in Chicago Illinois. They immediately removed 2 of the charges and opened a dispute for the $400 that was made at a 123 Wireless. I received a letter in April 2018 stating that the dispute was denied because the card used in the purchases had a chip which prevented any possibility of fraud. I then had the case reopened because the debit card I had at that time did not have a chip in it. I didn’t receive a card with a chip until I received the replacement for the card that was closed for the fraudulent activity. I faxed a letter with the request and the evidence provided. 


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Starting in 2017 I went into the Orlando branch on Conroy, asking for guidance on what I needed to do to get the PMI removed from my loan. She made calls and said I would receive information within 10 days. I never received anything. In November, I went to the branch in Lakeland Florida, spoke with the manager who explained, I'll just click this bottom here to request a cancelation and we will see what happens. I waited till December, again I received nothing. I called customer support who explained I needed to fax a letter requesting it be removed. I did that in December. Still no letter explaining what was happening. In February I went in to the Lakeland branch again. They said the problem could be I’m at 86% paid and not 80%. I explained if that is the exact reason I will make the extra payment to be at 80% but I want a letter explaining that. 


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They offer promotion does not mean you will receive it! They have many tricks to tell, you are not qualified. I opened an account and supposed to receive the promotion after 45 days. When I did not receive that, I called them three times. Every time they replied me and said you will receive after 10 days. Then I called after 55 days but this time they said you did not qualify. Did I ask why? They said because a monthly fee $8 has taken from your account which reduced my balance. I asked no bank will charge a monthly fee in the first statement because this time customer usually opens an account. 


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Tried to get a home equity loan at Fifth Third Bank, had 4 times the amount in savings, and I was denied the loan with a 745 credit score! I have all of my accounts at this bank! Ridiculous! Use a credit union.


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We took out an auto loan for a new car in September 2017. In February 2017 we went online and found out the remaining balance and sent them a check for the total remaining balance. Three months later we have no car title and I called to find out what’s going on. They tell me I have a remaining balance of $72.72 because the pay off that I sent went towards principle with the $72.72 going towards interest on the loan. I told them that I had gotten a pay off online and then I sent them a check for the full pay off. They did not care nor were they going to credit me the interest back. I then told them that doing this show that they had absolutely no concern for a good customer. They didn’t care. I told them based on how they would handle the situation would determine whether or not I would ever do business with them again. They didn’t care. 


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Over the last year I have probably received about four debit cards because somehow there may have been a security breach at a merchant that could have compromised my account. FOUR TIMES! Just me; not my wife's. Just me. Now I don't go to any odd places out of the ordinary, just gas stations, normal stores, and that's it. So after four times I call 5th Third, and ask, "Can you tell me what merchant this is, so I can avoid going there?" They say that they are just a call center, they can't give me that information. "WELL. Can you find out where I can get that information?"


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I started banking with Fifth Third in 2009. Back then 53 covered ATM costs. Now a 53 account holder can be charged up to 3 times for withdrawing from an ATM. There were no charges for periodic NSF on an account. Now NSF charges are $40 and a charge will be denied. So Fifth Third Bank has gotten into the business of stealing. USE AT YOUR OWN RISK.


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Someone in FL using my social number. Fifth Third slipped and told me about it yet refused to do anything about it. They said they had to protect the person in Florida using my social security for their account.


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I went into the "77 Center drive" location here in Charlotte NC. I had just got my refund and was going to withdraw $4000 from my account. As I'm standing in line to get my money the teller notices the balance on my account and informs me that I qualified for an installment loan with them because of the funds I had available, I said, "Okay well what does that mean?" (**) said to me, "Well this installment loan will help your credit and I can get your monthly payments to be really low." I said, "Okay well what do I need to do?" He said, "Nothing. Go take a seat and I'll get right with you." (At the teller line ) not in an office. So I sat about 5 minutes and he called me back up and said, "Okay Ms. ** I've printed out all that papers. Let's go sign and we'll get you going." We went into the office and I started signing forms, he showed me where my monthly payments on the loan would be like $50.00 so I was okay with that. 


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I used the ATM and there was a negative balance of 5.50 for the use of non Fifth Third ATM and I was charged a 37.00 overdraft fee because of the fees they charge. The bank will not budge in removing this fee. I have spoken with 3 supervisors in which all have been terrible. This is a terrible thing to do to your customers but when you call customer service and get no service that makes the situation worse. Candace, Jaime and Sara all claimed to have been supervisors and they were downright rude and did nothing to assist me. I am looking for another bank to do business with as this sneaky way to charge overdraft fees are an unfair practice and I will not let this go.


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Every time I turn around they have a reason to charge for something else. They always fix the issue but it's a total pain to deal with time after time again. Employees who seem clueless about their job. The things they've done to me is a book in itself.


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We are 71 years old and traveled to Ohio last week. We stopped at a Fifth Third Bank for some cash for our trip home. They shredded our card. Left us stranded 350 miles from home. Called my bank to make sure nothing was wrong with my card. It was in good standing. Fifth Third Bank's customer support told me if my card was not with their bank they shred your card. My card was listed on the front of the atm. With my card shredded we could not get gas, motel, or food.


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I have a checking account. The times that I have called, and it has been several because there is always some kind of problem with my card, customer service is uncooperative, self-serving and downright nasty. Do not ever try to ask for any kind of help, or ever question their tactics. You will get nowhere. Fifth Third is always right no matter what. I am in the process of switching to a different bank, as I just cannot take them anymore!


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I am very disturbed to find out that my bank has scripted lies that are told to customers by bank employees. I noticed the money being deposited into my account was not matching up to my credit card from purchases. I called to see what was going on multiple times. My employer identification number was wrong on my account. After a letter was received from Fifth Third, no call, no email. They just all of a sudden started withholding 24 percent of my money. I made 6 calls in total and the response every time which come to find out is a scripted lie was the IRS has the money and that I would be unable to get it back until the end of the tax year.


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I purchase my vehicle through a dealership on 10/20/2015 which I was approved on a 60 month loan with Fifth Third Bank. Upon agreement the bank would need registration and proof of insurance to grant approval of the loan. I then provided Fifth Third with the documents required. Within a month of owning the vehicle they called and sent me letters threatening to tack on thousand of dollars to my loan for insurance that was already provided, I had to go out of my way to have my insurance agent then fax insurance information for a second time. This was time consuming for me and shows lack of professionalism and organization skills from a lender. I then paid my loan on time every month until February 12th 2018 when I paid the entire loan off in full, 44 months EARLY.


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I had made a mistake and deposited the wrong check and didn't make an withdraw from it and the bank didn't suffer any loss. I went to the bank and the manager agreed that it was a legitimate mistake. Well instead of following the recommendation of the bank manager they closed my account anyway, wow. Don't make a mistake with this bank.


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Home refinance (VA) - Went on for four months prior to my cancelling. Every week they would call and ask for more paperwork when they should have told me up front all that they needed. I talked to so many bank personnel. I still do not know who the loan officer was. My home has its current mortgage through them. It should have been easy? Often went weeks without my being able to contact anyone. I was told on three different occasions that the loan was sent to the underwriter and it should be a few days. Lies? I am starting process anew with another bank. This cost me a lot of money. I have a very high current mortgage rate. I recommend not to use them.


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I deposited a check for $1,900 to my savings account a week ago. I come home to a letter stating that I failed to sign the back of the check. All I had on it was deposit only. You would think that if I'm depositing a check and it says deposit only and I am using my mobile device. The check has my name on it that it wouldn't be a problem that they should go ahead and deposit it but they didn't. That's okay. So I take the check and I sign the back of it and I deposited through an ATM and of course I get a receipt for it only to find out that they deducted the $1,900 that I had just deposited. 


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Their entire bonus program is a complete scam! I won't bore you with all the details. Basically, after researching everything you need to do to get the $200, you are then contacted about having to open up a credit card. You need to spend $500 every month without fail. You also need to maintain a $1,500 daily minimum balance without fail. None of this was disclosed. The only thing said was that you have 45 days to build up your account with $500, that's all! I immediately transferred money out of my other bank into this bank. 


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I purchased a new car from a local Toyota dealership. I have been paying my auto loan payment each month. We have made four extra full payments on the auto loan. When I inquired about the balance that is still due it gives me the amount that would be if I had not made any extra (full) payments. When you inquire about the discrepancy in the balance due... they can't tell you. Lesson learned. NEVER use this bank for an auto loan!!! Beware. Don't make extra payments... You may not get credit for it on your balance due.


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So this bank has an overdraft policy where you can sign up for overdraft you know if you need a couple dollars here there every once in awhile that you can get it even if you have nothing in your account. So they definitely don't have a problem with overcharging you for everything and then God forbid you do actually need a couple hundred bucks here and there like say you try and get $200. You better believe you're going to owe about 450 back and then they decided just cut it off because you've used it twice in 6 months. So then when you need it again you're just stuck and then they don't try and help you when you call all they do is say sorry.


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10 business days to get your title after the payoff amount was taken directly from my bank. Horrible explanation for why. I could understand if I sent a check. No bank I have spoke to concerning this even understands this policy, if someone pays off loan electronically. This is a very outdated policy. Very disappointed with this financial institution and will certainly let everyone I know to not do any banking business here. Makes sense they have only one star.


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One of my guys went to get parts at Home Depot and my card was declined, I had thousands in my account. I just got this card in the mail a week before. They didn't call me just closed my card. I called the bank and they then said my card was closed, so now my business debit card was not able to fuel my trucks and buy materials I need to work, best was to hang up on me 4 times being transferred around and sending me a new card next day and not charge me, this is bs. Taking my business to another bank.


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I called them to transfer a balance from another card and they gave me the run-a-around. Wanted me to come into the bank and verify myself. When asked if they were in Tennessee, they said no, but insisted I come in anyway?? So, I told them to cancel my account, which I do not think they did even after 3 phone calls and an interminable wait. So, I don't know where I'm at, but I do know it's a lousy 'bank'. Must be Chinese!!


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I set up an account and was suppose to get a 200 bonus for doing it. Anyhow when I went in the back to make a deposit to get the 200 bonus the bank rep Micheal in Erlanger, Ky knew I had to sign paperwork but since he wasn't the one who opened the account he told me I was good. Knowing right there in front of him I needed to sign tax documents... Well anyhow I got the 200 bonus but they took it for tax withholdings because he didn't have me fill out a W-9.


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10:30 A.M. Went to 5/3 bank to cash/deposit a refund check from Western Union. The bank would not accept my check to deposit or would the bank cash it. They charge a $6.00 fee to cash a check for senior citizens when it's my funds going into my account their bank. The teller was nice and explained it would cost $6.00 to cash the check and I would only get back this much. So I endorsed the check over to my landlord for January rent which had got lost/ stolen in the mail. Looking to switch banks now. Don't bank there. Pitiful.


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Beware Home Depot project loan through Fifth Third. Paid off loan and started getting call for collections from Fifth Third. Sent copies of canceled check used to pay off account, no luck with that. They charged off the debt, and sold it to debt collectors who have ** mine and my wife's credit.


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Scam - I fell for a scam willingly. I take responsibility for that. But the bank did not do what they said that they would do on their part. I was having money transferred. Before the transfer, they were to call me to make sure that this is what I wanted to do before they released the money. They did not call. They had reason for suspicion. They transferred the money. I am out $4000 because they did not call me. When I got home from filling out the papers for transfer at the bank, I got back on Facebook and within a few minutes realized that it was a scam. If I had gotten the call from the bank, I would have told them to cancel it.


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First of all, let me start off by saying their customer service is horrible and they are absolutely clueless. I set my account up on online and I inputted a coupon I received in the mail (which was the only reason I gave them a shot at all). After setting up the whole account it seems as if my coupon was changed to another promotion and the initial promotion was not attached to my account which I didn't find out until I reached out to their customer service via email. So I went into the branch in Columbus, OH Taylor Station Rd and sat and spoke with a banker who said she was going to research and call me once her manager came out of the meeting. 


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My payment's final due date is the 16th of the month. However days ahead of that I start getting calls from collectors asking me if I am having financial hardships, living in the home, renting it out, etc. My credit union in the meantimes shows my payment was made by ePay days earlier and on time. This has happened again and again and collectors admit that payments take seven or more days to be posted. So why start collection services aggravating phone calls prior to even the due date.


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Fifth Third bought my home loan from another company. The loan payment is "past-due" on the 16th of each month. Every single month, they call on the 14th wanting to know why my payment is "past-due". My Bank, pays it on the 13th. It has NEVER been past due and I have asked them not to call. I would NEVER do business with this bank if not forced to. I have had at least 5 other home loans, paid them on on the 13th and never had ONE CALL. These guys need to be throttled back by a government agency!


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I applied for a line of credit for a rental property. The person I met with first failed to tell me there was a yearly $69.00 charge. I went forward anyway because I felt she had spent a lot of her time with me and thought it was the right thing to do. I made it quite clear that I did not want a mortgage and she assured me it was not a mortgage, just a line of credit.


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I'm that person that is going to say "I'm only leaving 1 star because I have to... Yup this bank deserves 0 stars!" I have had an installment loan with them for years and have had nothing but issues! I will admit I have been behind on payment but have been trying my hardest to rectify the situation... Do they care? NO! I don't know who runs this place but they are never willing to own up to mistakes on their part! FIRST OFF this bank decides how to apply your payments not you! Do not think for a second you are in control. I keep calling on the phone to make payments to make sure I'm current and there is always fees I want explained... They say I'm current then bam! Next month I'm 3 months behind again. I wish I could explain the whole situation but I'm confused myself!


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No Sir, I cannot do that. Get used to this if you work with Fifth Third. Doing anything, even the most mundane banking task is almost impossible and will take multiple phone calls and transfers (with dropped calls along the way). I had a car loan with Fifth Third and regretted it from the first day. They are the worst bank I have ever dealt with. Their services are terrible. Even paying off my loan was a near impossible task with delays, restrictions and multiple callbacks. The little that I saved in interest on the loan was more than devoured by their general inefficiencies and the copious time I wasted on the phone with them.


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Due to hurricane Irma with a mandatory evacuation, lost wages, and minor home damage we took advantage of the deferment 5th 3rd bank was offering. We opted for deferring September and October payments. We never received anything in writing and my wife has worked in the auto finance industry found it odd they did not send an addendum to our contract. She called and was told by customer service no late fees were being assessed so everything was fine and in order. 


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This is a not a bank but more of a scam company. I opened an account and they automatically enrolled me to receive checks and charged me $23.99. They also did not mention the $11.00 a month fee they would also be charging. I called to dispute the 23.99 charge and they said they could not help me and to return the checks that they sent. I have not received any checks and they said to wait 2 more weeks to see if they come. This to me resembles theft.


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Fifth Third has been the worst Mortgage experience ever. My mortgage was sold to 53.com and ever since that time I am phone harassed. Mortgage is due on the 1st with a grace of 15 days typically paid around 6th or 7th. No issues always paid on time. Now with 53.com on the fourth day of the month the calls start 3 to 4 times a day even Sundays. I have spoke to their reps a million times. Forget it nothing helps. Now I refuse to pay my mortgage until the 15th.


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If I could give 0 stars I would. As a matter of fact, I would like to give a - 5-star rating. This has been hands down the worst experience. Absolute nightmare. I have spoken with over a dozen representatives and all the issues I have read here so far, have all happened to me. We purchased a Chevy and 5/3 Bank gave the loan. I had never ever heard of this bank and I wish that was still my reality. I set up a payment account that I use for my business with plenty of funds in it. I set up the external account with the 5/3 app. I made my first payment the day before it was due. The account reflected the change and all was fine. I started getting robo calls from an unknown number that never left a voicemail. 


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We have a car loan with Fifth Third and in the past 8 months they've sent my car to repo twice. We had a problem with our electronic payments and they put a lock on our account. So when we set up payments they would not process out of our bank account. We worked with customer service and they said everything was fine. But what they did not tell us is that our account was in collections. 


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Fifth Third has been the worst Mortgage experience ever. I fell a bit behind and requested assistance and they helped, alright, but charged me thousands of dollars in fees to simply take the payment that was behind and spread it amongst payments. Trying to get any answers as to what you paid and why is a nightmare, on the phone for hours and still don't know why they charged me what they did. At that same time, I was paying too much in Escrow and they will not even look at Escrow until April to assess and it's February. Perhaps I would not have fallen behind to begin with if my Escrow wasn't grossly overestimated. They will not work with you to even understand the fees and fines as they are robbing you. I pay thousands of dollars each year in interest and they only look to how they can charge you more. I will refi this the moment I can as well as tell anyone and everyone I can to not do business with them. BEWARE.


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I have been dealing with a known issue with Fifth Third Bank for over three months. It is possible to create an external account from the Fifth Third Online banking website. I have created an external account for an account at another bank. I have confirmed that the external account is listed on the FifthThird Online banking website under Accounts and Payees (type non FifthThird account) and that the account has been verified.


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This is the worst bank I have ever dealt with. I purchased a vehicle from a dealership in Arizona and had it shipped to me out in Tennessee. The loan was funded by them and so the lean had to be put on the title. To do that the dealership had to electronically file the title in Arizona. To register my vehicle I require the title be sent to Tennessee and they are refusing to do this. They continuously refer me to a third party company and claim that they don't hold titles. I contacted their third party and they want me to pay $50 to transfer and say it will take 7 to 10 weeks. I am not willing to pay this banks fees so I spoke with someone who claims to be a supervisor and all she has to say is, "I guess you will not get your vehicle registered." This bank has the worst customer service I have ever dealt with. I'm going to find another bank to take the loan.


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I've been banking with Fifth Third for almost two or three years and at the beginning I had problems with service fees but now I'm having problems with service fees again. I just checked my account and was charged $67 and service fees for this month and then the last month was about 30. The month before that was 50. The month before that was 30. So over the last 4 months I've lost out a hundred and $60 so finally I called them and asked them why I'm being charged so much and service fees and they credited me $50 back and basically told me the hundred and ten was for ATM withdrawals and paying bills from online.


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I have been with Fifth Third Bank for nearly 30 years and like all banks they have had moments of aggravating me but I am finally done. I transferred money from another account and it did not get posted to my Fifth Third account. I did an early access transfer at a cost of $30.00 to cover the overdraft and told that the OD fees of $185.00 that were pending would not go through. They waived the $74.00 fee from the previous day. Well the fees of $185.00 went through and they will not refund any of it. All because they did not post my transfer in a timely fashion. 


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I would not ever use this bank. Unfortunately, Rapid Chevrolet dealership in South Dakota used this bank to finance a loan for my daughter and I. I could not refinance the loan because they do not have a bank in South Dakota. They did nothing to help. They could not care less about their customers.


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I ordered a sample vitamin from an email. I was to give my address and credit card information. The sample was $4.95. I read everything carefully. My bank statement then shows reoccurring on the $4.95??? I call Fifth Third. No one can tell me anything. I go into the branch. Not one person can explain what it means either. I call the 800 number on my statement and get no answer. Next I know $170 is taken from my account! Apparently, this company took my information and signed me up as a member. I have yet to know what member means. Since I did not know I was a member, I did not know to cancel. I had not even finished the sample!


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5/3rd Bank closed my express banking for no reason and I had a few dollars in there and they took it. Sometimes the bank can be nice or mean. I would advise people to stay away and open an account with another bank.


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I have had a home equity loan with 5/3 since 2004, all was well in the first few years but then I got a month behind and caught up but it had never been the same. The monthly statement is the most difficult statement to read. I have now resorted to calling in to pay and I will say is that all I owe and for several months after making my payments they will continue to call and say I owed more than I paid. 


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So yet again another bank who is in direct violation of the Homeowners Protection Act (HPA). PMI when 5 years or When you owe 79% or less of the original amount they are supposed to drop the PMI. I had my home appraised last year and I had over the equity needed to get rid of the PMI but they said you have to keep it 5 years that was the agreement. OK so January is 5 years so I called and asked when I could see the PMI off my bill they said, "Oh no you have to write a request and it takes 8-10 weeks to process." I said, "OK but I will expect a refund for every month you collect past the date with interest." They said, "Oh no that’s not possible." I said, "It will be if I have to get legal representation as well as legal fees." So sick of these banks who were all bailed out for doing a crappy job hitting us where it hurts. Will update when I have an answer but I am not too optimistic.


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I have been a customer of Fifth Third Bank since 1998. Recently I decided to move my IRA account to another service provider. I called to let my account manager know and that I would be coming into the office in 5 days. She did not return my call and had not done anything to facilitate my request. I was told that I needed to have my new provider fill out a form and fax it to Grand Rapids. The phone number she gave me did not work. Now, almost three weeks later, after calling the account manager, the branch manager, customer service and headquarters, I still do not have my money. 


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Normally, I would tell people how much I like banking with Fifth Third because the one in my small town has very nice people working there that are very helpful. My problem is not with any of them. They have been very good to me. My problem is with the people I contacted at the 800 # about their online banking system. This concerns my online banking account and a glitch in their system that they are unwilling to make good for. I am constantly having problems with it. Every month without fail it will not allow me to post payments without saying they are having technical difficulties and wait until later. I have to try over and over again just to pay my bills. 


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I am mortgage customer of Fifth Third Bank. I pay my mortgage on time and I even have escrow balance with the bank, they are charging my 4.12% interest on my loan. I pay nearly $400 per month in interest payment. We recently sold my rental property and my attorney requested a pay off statement from the bank four days prior to our closing day and we did not get anything from them - no response whatsoever. So my Attorney called their 800 number and their customer service person promised to have it available to us one day prior to the closing date. They took my $15 fee. And they did not send us the pay off statement and no one even responded with why I will not get my pay off statement - this bank is so unresponsive. I called their 800 number all day long and they all are ready to process the pay off and earn that $15 charge each time I will talk to their "STUPID" customer service reps. I bet they are all commission there.


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First things first. This bank is by far the most deplorable, piss poor example of a reputable bank I've encountered in all my years of banking. This is coming from a customer of 5/3 of over 10 years! I initially was happy to join the bank at 19 in 2007 when I was a freshmen in college. I essentially had no major issues with it for years and I was happy. I even had a new account opened after my card was compromised online. Fast forward to 2017, I have my checking/savings account and a credit card with them. I knew their credit card was a scam when I first got it in 2014 after I made one purchase and paid it off right away and was still charged interest for the one purchase. I was advised by a friend who was smart with money to cut the card up and never use it again because closed accounts can bring down your credit score so I kept it but didn't use it for the longest time because of that.


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I went through Fifth Third Bank because I trusted the loan officer (she was awesome) for my mortgage on a new home purchase. I then switched all my banking over to them. Then my journey with Fifth Third began. I highly recommend that you do not do your banking with them. Their policies are not as good as Huntington or other banks I've dealt with in the past. They charged me for two mortgage payments around Xmas. Then when I asked them to refund one payment back into my account that I didn't authorize they said it would take 24 hours but they wouldn’t charge me the overdraft fee. Thanks for not charging me an overdraft fee for taking money out of my account that I didn't authorize.


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Don't do business with Fifth Third for a credit card. They will sell your information. The online banking doesn't work. If you pay off and close an account, they will continue to charge you money and add fees and interest. This has been the worst credit card company I've ever dealt with. I have closed my account and still have problems with them.


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Have had my auto loan with Fifth Third Bank for 2 uneventful years then it got stolen. It was recovered less than a week later. I got the van back and made repairs and have been using it daily and making scheduled payments. Three months later was going online to make the monthly payment when I noticed a $125 fee added on for "repo close fee". I couldn't imagine what this was so called their 800 number. As is stated in review after review I was bounced all over the place from department to department with each one claiming ignorance of the charges. I finally got an answer from someone who said they had been notified by the impound lot that they had their collateral so Fifth Third said they had to send someone to check on their interests.


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Two payments for my truck were taken out in one month. I am a teacher so I do not make enough to make two payments in one month. I was told I was being reimbursed for one of the payments and should see it returned within 7-10 business days. 10 days go by and I check my account, the money was not returned. I called and was advised I would not be getting my money back and would be used as my next payment. 


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In August 2017 I was screwed by your dispute department --- in August 2017 I was in need of additional income. I try to live on my SSI check. I was emailed an ad for an online business -- so I opened up this ad which was nothing more than a big scamming company --- telling me I could start making great big money in a short time. The company NAME WAS MY DEVELOPMENT OFFICE so I signed up. They were asking me to put it on my credit cards --- $7000.00 --- so I put $3500.00 on my Citi c.c.-- & $3500.00 om my 5/3 c.c.


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I just purchase a home and Fifth Third Bank took over the loan. I've been trying to pay my mortgage... Over the weekend I tried to establish online enrollment. It tells me I can't. Fair enough, I call the bank Monday morning and have been passed around and hung up on digitally 3 times now. I've been at this for 2 hours. If anyone tries to get a loan...run from Fifth Third Bank... My next step will be to try and refinance just to get out of it.


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Horrible bank. Rude and flippant customer service reps, incompetent with all aspects of banking. They have screwed up my online bill pay multiple times with emails telling me I need to schedule a bill to be paid when it's already scheduled... Then it will be paid anyway, or just the opposite; I'll schedule a bill to be paid then it won't get paid, telling me it was never scheduled, when it was. The latest debacle came when (in the process of closing my account with them) I had a scheduled transfer to my new bank. I then noticed online that it was cancelled (no reason given).


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Fifth Third Bank has been the worst experience with a bank that I have experienced in my young life, they might as well be criminal. I Deposited a check over the weekend. Usually my check would be available the next day if I deposited with a bank teller directly which is what I did and she told Me that it would be available the next day. It wasn't and my bank account went in the negative $24 but they were individual transactions so they charge to me individual Each one so $24 turned into $228 in the negative Even though I deposited a check that would have covered my transactions. Had I been told it wouldn't have been available until Tuesday from that Saturday morning and most banks would understand and work with you. Not them. They are a scam bank. A perfect example of Wall Street crooks.


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I had used Fifth Third Bank for 10+ years (first checking account when I was 18) and have had nothing but problems with them since opening my credit card. I figured that it would be easiest to make payments as it would come right from my checking account that is WITH THE SAME BANK, but from February 2017-August 2017, I had to call and/or go in person every single month to “set up” my automatic payments because EVERY SINGLE MONTH they failed to actually activate it in their system. So, when I was told in May of 2017 to not worry, it had been set up and was totally ready to go, I didn’t call to check on them to make sure they had done their job like they said they had for the last 4 months prior to then, and the payments weren’t made for 3 months when they reported me to the credit bureau.


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The subject may seem a bit dramatic but it encompasses the frustration of someone who is offered an incentive to open a checking account and once the checking account is open denied the incentive. It’s offensive and I will be closing my checking account and warning everyone I know to not trust your establishment.


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If I could give 0 stars I would. My mortgage gets bought by a new lender from time to time. This has never been an issue until Fifth Third. Suddenly they wanted to charge me $100 extra per month for escrow and told me I had a shortage of $1200. This has NEVER happened in all the years I had my mortgage. Sounds more like a greedy bank needs more funds to loan out. When I request a refund of the PMI they collected that they shouldn't have, I was told that they don't own the loan so there is nothing they can do. Really?! Then please pass my mortgage on to someone who can manage it properly. I wish there was a way to really make these big bankers pay for their wrongful actions.


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I don't have an account with Fifth Third Bank but my business did years ago. We closed our account in September of this year. All of a sudden, today, November 9, 2017, our business account was debited for the amount of $2107 for something that I wasn't sure of so I called their customer service number. OMG... I was transferred, got disconnected, transferred, got disconnected over and over again. I was on the phone with them for well over 2 hours. At the conclusion, they possibly found what the charges were for and determined that they probably shouldn't have happened (would never really admit to this). Meanwhile, my account is out $2107 until they send it to their discrepancy department to "look" it over and determine if we get a refund!!! I will never, ever do business with this company and will yell it to the world to not do business with them as well.


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I have been with Fifth Third for a little over a year and I'm not beyond causing my account to be overdrawn but they double charge me and try to explain why I got more than 1 fee even after same day deposit. This has happened several times. For example I had 7 + in my account I deposited 130 dollars. When I checked my account the next day I forgot to register a check but was charged 2 overdraft fees instead of 1. Is anyone else having the same issue. Is there anyway this can be rectified.


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I had my 5/3 bank card stolen and 5600.00 of fraudulent charges were posted to my account. I notified the bank within 2 hours of these fraudulent charges. 5/3 gave me a provisional credit and then rescinded it 30 days later. They stated they had proof that I made the charges. They stated that there was a charge before that I approved which proved I had the card. I stated this was false. I gave them the police report and they still refused to give me credit. In a letter from 5/3 it states by law they are required to give me the documents they have for the decision. 5/3 refused to give me their documents. I hired an attorney and they gave us the runaround.


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We received a scary notice that our Home Warranty from Fifth Third Bank was about to expire and our Water Heater was going to be replaced for up to $889. Our AC was ditto for $7134. Furnace for $5780. Refrig for $820. Now I know that this is all BOGUS and just an ILLEGAL attempt to milk Seniors out of their meager $$ but there is some that will be taken in. Our Gas & Electric Co. (Vectren) tried the similar tactic and when they opened my NASTY communique their crap stopped.


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This is my second car with this bank, and again they tend to fail in customer service and contractual agreements. They will provide a loan at a certain amount under certain interest and will change you monthly amounts without giving you fair warning on why the change and when the change. So if your payment your monthly payments as agreed, they'll still report you late and unpaid because their computers automatically change the parameters. At the end they claimed I did not have insurance, when I actually did and provided proof. Still took over 8 months to clear up their mistakes. Yet still fighting my credit report now. AVOID THIS BANK AT ALL COST!!


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I've been having an issue with my auto loan account since September. I've been getting the run around trying to get the issue resolved. It's gotten to the point where my loan has ended up in the review for repossession. Every single time I've tried setting up some kind of payment schedule to resolve the problem, I've been told I need to pay the entire balance in full, I'm not allowed to do partial payments to catch up. 


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Nothing but issues with this bank. Not informed of some of their policy/process. Charged unnecessary overdraft charges. After calling multiple times and staying very calm with the customer support people. Very upset at the moment and I am very happy to say that I will be closing both savings and checking account with this bank. Feel like I have been lied to and I know I've been stolen from...


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Nothing but trouble with this bank. Got an auto loan with them because the rate was low. They had me open a checking account to make payments on my auto loan because they charge you for any outside accounts. I set up direct deposit for just the amount of my auto loan to be paid. They started charging me banking fees when they said there was no minimum to have the checking. But they randomly upgraded my account to another checking that had a minimum fee. Had to get that fixed by calling them and getting routed through about 4 different lines before they finally found someone that could actually help me. When they randomly closed my account after a few months because I didn't have enough money in my account to keep my account open even though I still had an open auto loan with them. Their mobile app hardly ever works and always needs to have your password changed.


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This bank's fees are out of control. I had a check go through that I wish they had not paid after I get a taste of fees. I see why they do. Took me week to get funds in from client. I have 192 in fees. Some days. 72.00. Others 34.00. And all rest 8.00 a day. So I am sending in the original amount that they covered and disputing the fees and I had payroll going to use through them. Glad it hadn't started yet lol. Cancel and run from this bank is my best suggestion.


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Since bank with Fifth Third Bank I've never been so broke. Within 3 months I've had over $600.00 taken from my account for overdraft fees. This banking facility does not care about their customers. I've tried to explain this had caused me a hardship. I didn't have enough money for me and my cat to eat on, no compassion understanding. Their theft of my money is criminal.


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I have had a car loan with 5/3 since 2013 and have never missed a payment, so I haven't had any issues until now. The RMV gave me a form to send in to my lien holder to request the title. All I had to do was figure out where to send it--- easy, right? WRONG!!! So Wrong! First, their automated telephone answering system is like a brick wall. If none of the options apply, many businesses give you a way to bypass the automation situation--- not 5/3. When I finally DID get to a human, and explained that I needed an address to request a title, she acted like she was going to help me and then transferred me to another recording. This is my big problem, and why I will NEVER do any business with 5/3 again. They will not process a title transfer request. They have shut down all such operations and have out-sourced this function to another company that will do it for us--- for a fee!!! 


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Recently I went into Fifth Third Bank & ATM, 254 FL-436, Altamonte Springs, FL 32714 to inquire about their promotion on credit cards. Before leaving I had obtained a 0% card for 15 months, refinanced my car, and opened a checking and savings account. More importantly, however, I walked in as a customer and left feeling like a friend.


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5/3 when they first came over were a good bank. Good customer service, attentive and willing to fix issues. Been a customer thru the various acquisitions since 1999. For the last 5 years it has been going downhill. Spent almost 1.5 hours on the phone yesterday fixing up their error with auto bill pay (made payments to home equity NOT credit card). Was transferred to 6 people to find out that I need to fill out some paperwork and mail it back. Then today I am trying to pay my CC bill on the phone and keep getting bounced for over an hour. Time to change banks....


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I signed up with 5th 3rd Bank back in May and it has been a constant headache. Had problems with my debit cards just trying to set up a pin. Never knew a banking customer service ever to be closed on Sundays until this bank. The main reason I'm outraged at the bank is the line of Credit I had them sign me up for. They told me I qualified for 21,000.00 with a 12.59 interest rate which was fine until I went and used the money to pay off a time share. My first bill I got from the was 154.00 which I used 12,000.00 of the 21,000. I had paid 350.00 dollars before the payment was due. The next Bill I got was 254.00. What in the world. How could this be. 


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I have been with Fifth Third Bank for over 10 years now and over these years I have noticed they have decline in customer service. Recently all been about money. They take your money from you without even letting you know and leave you negative and charged overdraft fees daily!!! I do not recommend banking with Fifth Third at all. Customer service is terrible, when you call nobody can answer your questions and they transfer you to several departments just to have nobody call you back and never get your question answered and charging you fees! DO NOT BANK HERE UNLESS YOU LIKE PAYING FEES & HAVING YOUR MONEY STOLEN!!!


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I recently opened a credit card account with Fifth Third Bank. $15000 limit. I'm sure at this point that I shouldn't have written a convenience check for the full $15000. I just received a statement for $15,000 plus the $450 convenience check fee and additional $525 fee for going over my limit (caused by the check fee). Wow... what a way to lose a customer. I will not pay $525 to them. If the check was causing my account to go over the limit, they should have not paid the check when it was presented to them. I will send them a check for the $15,000 plus the $450 check fee. Poor judgment on my part thinking Fifth Third was a reputable bank.


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I was referred to 5/3 bank from my realtor back in 2008 when I was looking for a house... My home equity loan went good but when I started the process for a mortgage the loan officer from 5/3 asked if we currently had a mortgage on our existing building and I told him "No it's paid off." Now this was in the middle of the housing market crash... Once this guy knew my house was paid in full he said, "How much do you want? I can get you up to $500,000." I said, "And this is why the housing market has crashed cause of bankers like you." I walked out of there... That was only the beginning. My husband was buy a new car and he got declined on the loan due to a bankruptcy that supposedly he filed. WE HAVE NEVER FILED Bankruptcy. It was a 5/3 credit card that we never opened and the balance was $4,000 seriously. This has haunted us for YEARS!!! 


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Although I have most of my accounts at 5/3 bank, I've been denied loans with a credit score of 740. My husband's credit score needs some improvement so we tried to get a small personal loan, and even though we had more money in savings than we were going to borrow, we were denied because his score was 640. I feel as though they didn't work hard enough to help us. His credit was bad due to delinquent bills from an illness he had 7 years prior!! The only reason I haven't moved my money to another bank is because of lack of time. As far as feeling my money is safe, I do feel my assets are protected through 5/3 bank. I have love/hate feelings towards my bank.


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I called in a dispute with another company whom was pulling funds from my account when I was told that it was a one-time fee and found out they had been pulling it for over two years. I informed the dispute claims department that it went back two years and they refunded that money back into my account. Afterwards I was receiving phone calls from Fifth Third Bank stating they pulled back the funds from my account which made my account overdrawn.


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Had several issues with tellers accepting a check drawn on my Fifth Third Bank account and forged by my estranged wife whereby she signed my name, crossed it out, then wrote on the back of the check "payable to **" and they STILL cashed the check for $8,000.00. I could NOT get the money back into my account.


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My local branch of 5/3 branch goes above and beyond to make me feel as if I'm their most important customer. They greet me by name at the door, are helpful with my disabled daughter's needs and always give me extra time when needed. My branch should get an award for customer service and kindness!


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A week ago my wife received an offer from 35 bank, it was a pre-approved credit offer. My wife has excellent credit score, and she accepted the offer. There started the nightmare, their web page is frustrating. You can spend the whole day trying to enter their site, but is slow and responseless, the worst website ever!!! After that we tried to contact customer service department, after 4 hours for being transferred from department to department to computer answer systems, we only received a rude treatment and no help at all.


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Today, I went to inquire about a promotion for new accounts. Details or terms on the promotion were inadequate. So I had questions. The promotion offers $200 if you sign up for a checking account. Impressions: First, there was only 1 customer service person, even though I saw 7 offices. I thought during a promotion, wouldn't you bring one more rep in? Maybe. Anyway, a few minutes later, a customer walks in and related that the bank deposited his payment into the wrong account and he got yelled at for it. Next, someone I recognized walked in sweaty and greasy looking. I'm thinking, they lure unsophisticated, poor folks to this bank. Then I noticed the bank had no art or plants (fake or real) and that the exterior foliage was in poor condition. Both are unusual for banks. 


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I've been banking with Fifth Third Bank for about seven months now, it is for my auto loan. Let me tell you this they really have bad customer service, really bad. I am not familiar with this bank, this is what bank I got approved on for my car. This was my first time getting a car and had basic knowledge about the bank and the rest of the stuff, I was just very excited to get my first car on my own.


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Instructed to wait for CC bill twice, but none received. Contacted by collection agency for settlement. Back lies about not having correct address. I have proof. I am told it's still my problem, should not have accepted bankers advice to keep waiting. Result, large penalties.


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I opened a checking account at the Fifth Third Bank branch on 53rd Street in Hyde Park(Chicago) in the spring of 2016 because of a promotional advertisement that was supposed to give new customers $200.00 if; the checking account had direct deposit and 2 or 3 bill-pay accounts add to the checking account. I opened the account with 53rd because of this promotional offer and did exactly what was required to get the $200.00. Earlier this year (2017), I made at least 3 inquiries about when the money would be deposited in my account. I even e-mailed a message to 53rd and received a letter telling me to contact the branch where I opened the account. I contacted the branch, was told that the manager would call me later that day. The manager never called. I called the branch last week and talked to the manager who opened the account for me last year. His reply was that my inquiry is probably beyond the time limitation. What?


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They advertise 200.00 when you open an account. Well I ran to open an account and they also told me they wouldn't take any fees since I have my Government checks deposited. I never received the two hundred dollars, because they at the last minute told me that I didn't have the correct online bill payments even though they told me how to go about doing the online bill payments. It's a trick to it and they are still charging me 8.00 dollars a month for service fee which I could have kept my NetSpend account, there's no difference. I'm still laughing to myself, a lesson well learned. So if anyone see that advertising about getting two hundred dollars to open an account "BEWARE".


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I opened an account with this bank because of an advertised promotion that I will get $200 for opening an account and doing bill pay with them within 90 days. This is like the 4th month and I did not see any $200 credit. I am going there now to close my account. Their customer service over the phone is very poor except you go to the branch and talk to a manager. Shame on you Fifth Bank for your lack of professionalism, there are so many banks out there I don't have to stick with this.


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Don't I mean bank with. I had so many fees after 90 days. This has been hell. Over 600 in fees item returned. I'm at a lost for words right now. And then they rerun the same transaction the next day for more fees.


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They are stealer... they want to make their money with your money. Sound stupid. Isn't it? I been with 53rd little bit over 2 and half years. Found so many issues with service charges and fees. They are the stealer. I don't have any loan or mortgage, credit with them... too many charges and fees. When I swap their debit card at the ATM machine fees and when swap their debit card at shopping center... there is a fees.


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Fifth Third Bank, Wabash Ave. Terre Haute, IN - Not sure who the gentleman is that works inside the branch... but every time I come into the bank and he is the one waiting on me, he has to give me push back about cashing a payroll check. He even said loudly, with the bank full of people that there wasn't enough funds to cover the check and that he couldn't give me any money back because of that. I would have to go to the ATM after I was finished depositing it with him. REALLY? He couldn't just take care of my transaction right then? I finally said to him... "no, I am not going to do this with you, then turn around and go to an ATM machine, you need to give me cash back while I'm "in" here with you". Then I told him, I'm really getting upset due to every time I come in here, he gives me push back. 


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Recently when I called to make a payment I was told my required payment was $50.00 more than I expected. When I inquired as to why I was told it was because the interest rate had gone up by .25 percent. When I finally received my statement in the mail I learned what the extra $50.00 was for. Fifth Third is now charging a annual fee for the use of your line of credit. I wouldn't mind that if I actually had access to my line of credit but I've asked twice to be sent a replacement credit card with no luck. Apparently they can't even handle that.


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I received a postcard in the mail for Fifth Third Bank to prompt residents to open an account and a 300.00 incentive will be deposited after the account is open with at least a 100.00 direct deposit within 5 days of the qualifying deposit. This was an incentive to try them out. But by the way this has been handled there is NO way we will bank with them. We went in and opened the account with a banker in the University area and immediately there was a problem with the banker entering the code and pin that was on the postcard but we were assured everything would be worked out by the time our direct deposit comes in. 


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I have been banking with Fifth Third Bank for the past eight years. During this time, Fifth Third has benefited from my deposits in excess of $700,000. I have found their numerous locations to be very convenient and, until recently, had no major issues with my banking experience. This past week, I saw that a scheduled ACH draft would leave me insufficient of funds. I went to a local branch four days prior to the scheduled draft and placed a stop payment. The bank representative was helpful and placed a stop payment waiving the customary fee. I was not informed that stop payments are not guaranteed. The amount entered by the bank representative was off by one cent. Because of this the draft went through and my account was debited. I was charged a $12 overdraft fee and funds were drawn on my bank credit card to cover the overdraft. 


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Rude tellers and managers. 35 years with 53 and I watched their standards go to the (we make all the rules) attitude. They allow tellers to make nasty comments on their screens if they don't like you. They shut down a account because I told a teller to shut up and stop being so annoying. This account had over 2 million dollars pass through it a year. Horrible people.


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I financed a vehicle in December of 2014 at a Ford dealership in PA. My lender picked by the dealership was Fifth Third Bank. I have never been involved with this branch so I didn't know what I was going to deal with. I moved from PA to Nebraska in 2016. This is when I first started to realize the bank was going to be difficult to deal with. In order to register my vehicle in NE I had to call the bank and get them to send the title over to DMV of NE. The only number available I was directed to a very stubborn and ignorant lady who had no intention of helping me! Long story short it took me a week of numerous attempts and call transfers to finally get someone that can help send the title over which by the way took a month to mail out. That was not the bad part! I decided to put that experience behind me and continue forward!


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Do not trust your money with this bank. A criminal got a hold of my check, altered it with their name & cashed it for thousands of dollars. I only had couple hundred dollars in bank but Fifth Third decided it was in my best interest to clear the check throwing me into an overdraft situation. Upon noticing the overdraft, realized the fraudulent check was presented and cashed by bank. I made calls to local branch and the dispute department and a complaint was filed. After receiving no further information I continued to call only to find out the bank had filed the fraud incorrectly. I went back to local branch & started paperwork again, signed affidavits, etc. and was told should have my money back in 7-10 days. Been waiting 60+ days and no money back yet. Most recently been told it may be 120 days.


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My experience with Fifth Third Bank is an interesting one. Back in November of 2016, I applied for a personal loan with the bank. Although I was denied because of DTI (debt to income), I was told that once my income increased, then there was a possibility I would be approved. So, I returned six months later with a 30,000.00 salary increase (got promoted to Assistant professor)... I still got denied. I was told by Mrs. **... because the original checking account has closed back in November I would need 1,000.00 to be considered. Then I was told I had a delinquency on my credit which was totally false because I called all three bureaus... Spoke to TransUnion and was told I have NO delinquencies on my report.


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I've been banking with Fifth Third for 7 years now and have had so many bad experiences with them it's not even funny. The only reason I'm still with them is because I travel so much it's extremely difficult to go through the motions of changing banks. Today was the final straw. First off, this bank will fee you to death. ATM fees, monthly fees, overdraft fees and more. Yeah every bank has these, but they advertise free checking and free ATMs. I've never seen the free checking and they have no readily available ATMs anywhere except the bank itself which is nowhere near my house or job. 


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I was a co-signer on a 2nd Mortgage on a property that was sold in a short sale almost 4 years ago. The 2nd Mortgage was restructured into an unsecured loan which I am still currently paying on. 5/3rd is reporting it as a short sale, which is incorrect. I have sent a dispute letter to the 3 major credit reporting agencies, and 5/3rd still will not change the way they are reporting this loan. Again, I'm still currently paying on it.


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This bank is a joke!!! They are HORRIBLE and rude! They are condescending and do not work with customers. I would NEVER recommend this bank to anyone! Trying to pay my bill is like jumping through hoops every month. Always problems with the online system! They charge fees for everything! I avoid having to deal with them at all costs! I dread my car loan payment due date because I know every time I have to pay it, it will be headache. HORRIBLE customer service! DO NOT GET CAUGHT UP WITH THIS POORLY MANAGED BANK!!!


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OK, so... in my experience, Fifth Third is the worst bank ever. I have had countless issues caused by their complete lack of concern unless it involves a threat to them receiving funds. Some of those instances include the teller keying in the amount of my cash deposit wrong, and putting my account $6000 in the negative the week before closing on my home. Refusing to fix it immediately and forcing me to wait 5-7 business days for it to "fall off"... Allowing someone to make a fraudulent charge of several hundred dollars on my NOT YET ACTIVATED CARD in TEXAS, not notifying me until AFTER APPROVING the charge, then forcing me to wait 5-7 days to reverse the charge. The solution they gave me was to sync my accounts with overdraft protection to transfer money to my checking from savings so I would not be in the negative... I suppose so a thief would have access to ALL of my money, not just some.


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The absolute worst customer service quality I have ever experienced. I typically am not the type of person to complain but this bank has horrible customer service. They are rude for absolutely no reason and are love to hang up on you. I had mailed a payment that for some reason they hadn't received so they proceeded to call me on Sunday morning at 8:14 am to inform me of the problem, which was fine but then after hanging up they proceeded to call back 4 times within a 2 hour period and when I explained that I had already talked to someone they straight hung up on me.


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Not only is it very difficult to get an actual person on the phone. The website is not intuitive. I have had an auto loan with 5th/3rd for 5 years. I asked Olivia, an employee for the name of her supervisor. I was told he wasn't in. 3 minutes later Josh (the supervisor) got on the phone. I asked Josh the name of his supervisor and instead of answering a simple question he restated a policy and hung up on me. I suggest that the heads of this bank go through their own process to see how ridiculous it is and maybe teach your staff some customer service.


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Where I work we have a direct deposit option which I signed up for. My problem is others here where I work also have direct deposits in their banks. Well on Tuesdays, my coworkers can show me their deposits which aren't available for them to use until Wednesdays each week. 53rd doesn't even show my deposits until Thursdays. Last week I had an electronic withdraw taken out late Wednesday which didn't show in my pending at 1pm that day. I had cash in my wallet and could of made a run to the bank. I was charged an overdraft on that withdraw, when my co-workers can use their check on the same day. I feel 53rd had my money in one hand and pushed an electronic withdraw through with the other hand to charge me fees.


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I have had to deal with overdraft fees from this institution that I have been attempted to pay off for over a month, and they are applying repeat fees. They have charged me over $260 in fees for the same $3.49 transaction.


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I have had one too many bad experiences with this bank. I've been with them for approximately 4 years now and all I have are complaints and I feel very under appreciated. I know that I could bank with them for 30 years and they still wouldn't value me. They do not do anything for their customers and there's no such thing as a loyal customer here. They will make you feel in position to them rather than them in position to help you. The Tellers at the branches are usually very nice just like every other bank but that's the only nice thing I can say. If you ever really need anything outside of banking per usual you're SOL. This company does not value their customers.


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My wife and I have had a horrible experience with Fifth Third Bank. I would stay as far away from this bank as possible. The customer service is terrible and they tell you one thing and do another. They have taken unauthorized charges from my bank account, with direct deposit, on a car loan. They owe me and my wife over $650 dollars and have gone MIA. We will be reporting to BBB and anyone else we can think of. I would never do business with this bank and hope others stay away.


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I have 2 mortgages with Fifth Third and last year 2016 they screwed my monthly mortgage up twice which affected my credit score. I made multiple calls and months later it took going to the president's office to get them to fix the mess. My insurance was about to be cancelled due to not being paid by Fifth Third. Now in 2017 I made a mistake on my payment and I shorted my payment by $2.00. I was notified I was short so I paid the $2.00 shortage over the phone. Well my $2.00 did not get applied so I got hit with a 30 day late which hurt my credit. Fifth Third will not take care of this latest issue. Very very disappointed, I feel like I'm in prison to Fifth Third.


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Despite getting my PMI removed by paying down my principal, I was charged 3 PMI payments. Despite talking to a) a supervisor who promised to get back to me within the day - it is over 10 days, b) leaving multiple messages for the escrow supervisor who helped fix the bank's error when I made the principal, and 3) leaving a message for another supervisor. I HAVEN'T HEARD ANYTHING FROM ANYONE. So, I filed a complaint with the consumer finance protection agency and will file a complaint with BBB and any other organization I can find until I get a response. Oh, and by the way, I have had my mortgage with them for 7 years with a perfect payment record. Nice way to treat your customers!


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Customer Service is non existent. I have been a long-time customer at this bank and needed little to no customer service for approximately 10 years. The moment I did need help with something every customer service person I spoke with transferred me to someone else and was ultimately unable to help find a solution to the problem that I was having. I closed my Fifth Third bank account and would recommend this company to no one ever.


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What I thought was good service at first turned out to be a nightmare 6 months later. Gricel assured me multiple times that my gap insurance would automatically carry over from my original loan to the new loan. She sounded like she knew what she was talking about and said she wasn't new to the business. Fast forward 6 months later, my car gets stolen from in front of my house while I was on vacation. I submit a claim, Allstate of course doesn't cover 100%. Difference should be covered by gap right? That's if it transferred over as Gricel stated multiple times.


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I have been a customer of Fifth Third Bank for about 2 years now. I must say they have treated me professionally and I have never had a problem with them. I have many accounts with them and their online banking system is excellent for sure. One thing I must point out that Fifth Third Bank has an excellent security department for sure and all of my accounts are extremely safe, secure and protected. I highly recommend them for sure as they are again a great bank to deal with and do banking business with. 5 Star rating for sure!


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When I first acquired my auto loan with 5/3 Bank (3/2015), there was no online option to make my payment, so they gave me a payment book. Not a big deal, but I thought it was strange for 2015. A couple of months ago, I found out that I was, in fact, able to pay my bill online. So I contact Customer Service to set this up, and I am so excited about not sending an actual paper check, that I throw away my payment book.


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1st to start off the over drafting totaling -$1499.00. I deposit a check on Sat. at closing. And then make a deposit on moblie app. Sunday. Keep in mind the standard Banks want release funds for 5 business days. So they release funds Monday then after they cash that check, they then put my account in overdraft, charge me 111.00 then deposit my check, which now they have set me up for them over drafting me 999.00. Got direct deposit and they put my check towards their fees. I have NO money now for 2 more weeks and my account is still 810.00 overdrawn. Have NO money for food, gas, car payment.


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I would like to take a moment to share my story with you... I have been banking with 5/3 for ~15 years. On Friday 2/17/17, my husband and I had our checks directly deposited, as we have for many, many years. I proceeded to pay or monthly bills, as I normally do. I realized that I needed to transfer money to the account to ensure all the payments were covered, as well as a little additional to cover living expenses for the next two weeks.


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I'm so disappointed by the way I got treated by the customer service representative. Even though I choose this bank for loan. As soon I'm done with this loan. I will never return and not going to reference my friends. THANKS KIM for you below average service.


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Being a former Cincinnatian, I was pleased to do business with my old hometown bank when I needed a mortgage loan for a vacation home. Worst experience with a bank in my life. Application and loan initiation process was about same as other institutions I've worked with but ongoing customer service, responses to routine report requests or information, online navigation was absolutely and unforgivably abysmal. It is a wonder they remain in business. Account access was inexplicably roadblocked by red tape. Lengthy phone conversations with very unhelpful reps that should have been easily handled online. Never again!


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We had a credit card with Fifth Third and paid it off so the balance was $0. I'm looking at my checking account and see where they've recently taken out our automatic payment of $38 after it had a $0 balance. In my mind, that's stealing my money!! I called and they told me their automatic bill pay system will still take out the payment If it shows a balance on the statement. What is this... 1995??? Your system doesn't update daily?? It updates monthly??? When I called they said I could keep a credit of $38 on my card (NO THANKS!!) or they would send me a cashier's check and it would take 3-5 business days. So you can take out my money immediately from my account but you want me to wait a week to get it back when it wasn't my fault!!


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Avoid like the plague! This has to be the worst bank I've ever dealt with. First off they don't send out monthly billing statements and their online banking doesn't work. I can never get a hold of a rep to fix it. So tragedy happened. Wife had a stroke. Lost her job. I missed a payment but then got it together and started making regular payments again. Got a call from a customer service rep. I told her the situation, and that I wanted to bring the account current in 3 months when I receive my tax return refund. The rep was nice, looked at my account, said I qualified for a deferment payment plan and then after 20 mins transferred me to loss and litigation. Not so nice rep there. She told me I do not qualify for any sort of deferred plan and that I missed two car payments 4 months ago. Making me almost 3 months behind. 


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Fifth Third bought my predatory-based mortgage, so I didn't have a choice in dealing with them. I had a balloon payment maturing in November and started trying to get it figured out early. When I called it to discuss, they either played stupid or weren't playing! They repeatedly said it was a second mortgage, but then acted like they weren't sure. They would send me from department to department taking approximately an hour of my time and giving no answer. I was current with them and with every creditor. After many calls, they told me my only option was to go through loan modification. I later learned from one of their senior loan officers that they had a program that fit me perfectly and THEY HAD IT AT THE TIME I WAS BEGGING FOR HELP.


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Anyone wanting to do a lawsuit against 53 Bank please contact me. I will participate. Email **. They don't care about their consumers' charge fees that don't make no sense. Even worst they don't deal with you directly. In my case, they dealt with the dealership for my car loan and never called me once before lending me the money. Long story short I got scam by dealership and 53 Bank failed to contact me before they accepted to have loan with me. I trusted the car salesman to get me a good bank which was huge mistake because he got me with 53 Bank which is not even located in my state. I cancelled insurance on my car and they are charging 1100 because of this. Ridiculous. Beware of car dealerships, professional scam artist, and 53 Bank. Plus I contacted the senator of my state with this issue. I should get a response soon.


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I used the inside ATM (not in a lobby but on the floor of the inside lobby) to get $500.00 out of my checking but I didn't see where the money comes out (UP TOP, I found out) (Not in front like the outside ATMs.). So clicked yes for another transaction thinking it does everything at the end. I put in my 360 debit card and heard a click and saw where the money was going back into the machine and I couldn't stop it. I notified a loan officer that was putting up a Christmas tree close by immediately and she said wait until next day to see if it debited acct. I said audit it now and look at camera photos now.


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We paid off a vehicle with Fifth Third Bank in November 2016 and have to date not received a title. The title was held by the state of Texas as an E-Title. In order to get a certified copy of the title we would have to present the state with an original release of lien. We were informed by Fifth Third bank that their policy is to only fax copies of the release of lien, which would not provide us with an original. In checking with the state tax office, we were informed that Fifth Third bank had never sent them a release of title once the vehicle was paid off. In the meantime, the vehicle has been sold twice (which is legal as the title was/is held by a bank) and has been impounded by the border patrol for lack of metal plates when crossing the US border. To all other dealers out there: Beware when paying off auto loans held by Fifth Third Bank.


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I'll make this short and sweet. I have a credit card with 53 bank. I have great credit, overall and never missed a payment with them since 2008. I had a balance on my card recently. I made a payment online and accidentally duplicated the payment. Not a huge deal, but this was a 500.00 payment. I called customer service to discuss. (A few calls later, and personnel) I was given the final answer that I must go into a branch to handle this. After going to branch, I figured all was handled. They were to leave 1 payment in place and refund me 500.00. Sadly, a bank can't refund via ACH (but they can take the payment of course). So I had to settle for a check payment via snail mail.


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I used an incorrect routing number when paying my car loan and was charged a $20 NSF fee. I asked Fifth Third to waive this fee as it was my first time receiving a fee and it wasn't a true NSF because the routing number didn't match the account number, so money never got debited from my bank account. I corrected my error and made the loan payment on time. Fifth Third refused to waive the fee. Many other banks give a one-time waiver to customers, I was not granted this courtesy by Fifth Third and am discouraged in their lack of customer service.


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I have 3 accounts with 5/3. They charge their monthly account maintenance fees to the account with the LEAST amount of funds and at diverse dates, so they can charge a non-sufficient funds fee of $37 on top of the maintenance fees. They also reject payments to debtors due to "not sufficient" funds, however they still charge the $37 "overdraft fee" for something that has not been paid. On top of that, 5/3 has the unfair and fraudulent practice of paying the "highest amount" first, making the customer incur "unnecessarily overdraft fees" if the payments were paid as they arrived. I would like to bring my case to court. Looking for others who have had problems with this bank to make a class action lawsuit against this bank.


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This bank placed a hold on my account and returned items when there was clearly enough money in my account to cover the debits. The return showed "error correction, debit in error," when the error is actually the bank's error. I am have been waiting on a call back from 2 supervisors by the name of Vernetta and Jeannie in which neither have returned my call as promised. I am beyond livid and nothing is being done but lies being told by supervisors that probably aren't supervisors to begin with. Please take your business elsewhere as this bank is horrible. I've had nothing but a horrific experience and my issue still isn't resolved. This bank is unprofessional and they do not take care of their customers! Think twice before putting your money into this bank!


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Don't know where they hire people who do not know anything about their job. After 10 years of having a mortgage against my condo at this joke of a bank, received a flurry of letters that they need a hazard insurance from me. So went ahead and bought a condo homeowner insurance which covers personal property/liability and fixtures. Of course, the externals, walls and common areas are covered by the master association. As everybody who works with insurance knows. Except the Fifth Third Bank people who don't have a clue. So they are writing for a thousand's time to tell me now that because I have a loan of certain amount, they need me to pay for insurance that covers the whole amount of the loan. Unbelievable. They spend all money to pay the sales folks and don't have any back office to speak of. The ** service in the banking industry.


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I just recently opened up a bank account with this ripoff bank based on the fact that I thought nobody could be worse than Bank of America. I was wrong. They purposely hold transactions to post at a later date even if they are done with a debit card using your PIN number. The fees are outrageous and when you call customer service they are no help whatsoever. I can't wait to get my direct deposit so I can close this account and be done with them. Anyone looking for a decent bank to go to don't look at Fifth Third. They are straight ripoffs. I wish I knew how to start a class action lawsuit against them. They need to pay back all the money they ripped off of people...


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DORMANT ACCOUNT-I set up a small saving account of $510 for my young grandchild. I received quarterly statements. I did not get a quarterly statement for the 3rd quarter of the year and when I did get the statement for the 4th quarter. When I did finally get a statement, I realized that I had been charged a fee for a dormant account which then generated another monthly service fee. The monthly service fee was assessed when the account balance was less than $500. By the time I did get a statement I had been charged $75. I was told that they were not required to send a notice to dormant account which may be the FDIC regulations. However, I would think that they were required to send a notice to me prior to the account become dormant. Nevertheless, this is certainly a poor business policy. I guess interest rates are down so they need to rip off their customers.


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I have a car loan through this bank. They did not process my payment because it was not the full amount, including insurance that they added, which doubled my payment. My car has been insured since day one and has never had a change to it. This was an excuse to get more money. Long story short, they repossessed my vehicle and would not release it until I paid the insurance fees or proved my insurance had not changed. My insurance sent them a declaration page a couple of times on day 1. It took them 2 and a half weeks to remove those fees. Meanwhile, my car was still repossessed, and I was left without a vehicle the entire time. When I picked my vehicle up from the repo lot, it had been damaged. This bank had been a complete nightmare to deal with. Every single time I called, I would get a different story and a different amount owed. DO NOT trust this bank. I do not understand how they are still in business.


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My advice is that no one, EVER do business with this bank who wishes to protect their own sanity and assets. I could fill up this page with great examples of how completely frustrating and incompetent this bank is - in training its employees to give correct answers, in taking responsibility for their own errors, in setting up user friendly online services or solving the simplest of issues when they arise without having to explain your problem to as many people and departments as there are dollars in your account. BUT, instead I'll just use ONE EXAMPLE and refer you to the other complaints herein regarding this bank. You should get a pretty clear idea from the volume of complaints here.


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Usaa is will only freeze up your money and create financial hardships for you. I would suggest banking anywhere else. Their customer service is not only cruel and impossible to get anything fixed through, but incredibly rude and insulting. I have spent almost 20 hours across 6 days calling trying to get a duplicate charge and frozen employer deposit fixed and no one could tell me why it's withheld, nor could they fix it. Resulting in me waiting additional weeks to get my paycheck.


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Multiple account errors in basic banking, at best incompetent customer service. Flagged and closed account as business transactions for Life insurance proceeds, spousal support, child support, SSA survivor benefits for a minor child.


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Been a member for over two decades. A Gold Star Spouse. Not only do I agree with all the 1 star comments here about the negative change throughout the years but in my case, the mistake was solely on USAA side. So, I, as well as several family members, have checking accounts with USAA. We often transfer funds between those accounts. A few months ago I made one of those transfers, only to realize the next day that it did not go through. After a few minutes, I noticed that my dad's account number changed to a number I have never seen before. I called and spoke to a representative who was also stumped, but eventually found out that the account is not even a USAA account. 


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Over the years I've experienced USAA's customer service departments and I'm frustrated. Recently I started an investing app I thought I could trust. The moment I started a money transfer the investment app locked me out. I still haven't been able to reach USAA customer service and it's been a few days now. I couldn't be more frustrated.


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The computer is a joke, the 1 person kept putting me on hold and I was a proper gentleman the entire time on hold 4 times 40 min, hung up on, called back, explained situation and got hung up on AGAIN. JUST WONDERING IF I SHOULD CHANGE MY HOMEOWNER'S INSURANCE OR NOT. J E ** USCG


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I've been with USAA for 20 years and am SHOCKED at the lack of service, inaccuracy of information, and overall poor banking that USAA offers now. I don't know what happened, but they really have zero idea what they're doing, they attempt to charge fees they shouldn't, and can't fix what they have done.


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I’ve banked with USAA for almost 30 years and on 11 Jul 2023 my account was frozen and put under review without warning and I’m being denied access to my entire life savings. I can’t pay my bills, I can’t withdraw money, go to the store or put gas in my car. I have a wife, daughter and take care of my 81 year old mother. I’m screwed! They would tell me anything but it started right after I tried send money to fund a crypto trading account. My accounts with my names using their process on my identified IPad and IPhone and money was never sent. But I get frozen out wit no word. 


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Here I am again warning potential USAA customers to beware. My husband and I are 30+ year KNOWN customers and we made a nominal deposit that USAA automatically placed on hold. When we called customer service we were told they don't know why, but we can call again and try to get the funds released in 24 hours. With no branch to walk into, customer service who can do nothing, we recommend banking someplace else. USAA is too unpredictable and their insurance, another product we purchase from them, is sky high.


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I've been a member for 16 yrs. I wouldn't recommend this bank for any services as they speak to their members with condescending tones when they are in the wrong, they speak over their customer to prove their point, belittle you as a customer to the point it was embarrassing towards myself that I as a member should know other banking policies due to the rep. being in bank and NOT myself, as well as steal money from members as they repeatedly ask you to submit documents you've already spoken to 5 representatives about only to not see a penny of your money, they're very obtuse to their own products which is concerning when it's the resolution department. When you get upset that they can not handle their own job with YOUR money, you are then threatened by the bank. TAKE YOUR BUSINESS ELSEWHERE to avoid this to begin w. ***Navy Federal is AMAZING!***


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Don't even try to use USAA for an Estate Account. I have tried, for over a month, to open an account for an Estate Account. I am the administrator of the Estate. Worst service ever. They are too lazy to pick up a phone or email, instead they wait weeks to mail you a letter asking for more information. After you fax and email the information in, they cannot verify that it is received or that any action will occur. After having been a customer for 40 years, I gave up--walked over to Wells Fargo and opened the account that afternoon. USAA was totally unresponsive--even to their own agents (and I spoke to 6 of them on my last phone call).


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I applied for a credit card and submitted any additional information requested within the timeframe USAA set out. I received no approval or declination on the application. I called and was advised that the application was closed because the bank failed to process the information within their undisclosed timeline. They claim that there is no way to reopen the application and that I must reapply for the card.


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I've been with USAA over 30 years. I had to make a large mobile deposit (how I do all my deposits). The mobile app stated it would be available the next business day but 25K of it was available right away. After 6 days, I chatted with them and it was stated it was scheduled to be released the next day but were able to push it through. Then a couple of days later the WHOLE amount was on hold. The person I then chatted with stated it was due to the Federal Reserve and nothing they could do about it. They gave me a date of 39 days after my deposit before it is released. They argued that it was to make sure the funds were transferred from the other bank. Within 2 days of my mobile deposit, it was out of the other bank's account. Their depository agreement and federal rules state deposits should be available next day or 2 business days later and if delayed, I should be notified in writing. I never was.


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I wouldn't wish this bank upon my worst enemies. Horrid Customer Service. The insurance is garbage. You can go to any other reputable insurance company like State Farm Bureau and get better insurance for less.


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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.


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Just over the last couple of days, our checking account was hacked to the sum of 2k. USAA acknowledged that it is fraud but they won't reimburse us because my husband and I share a profile for our JOINT account. We have 7 different accounts and have been members for more than a decade. We will be moving all accounts to our local credit union, and I will cancel our USAA credit card.


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I got scammed by a smoke shop that sold me a product that did not work and was a counterfeit from China and refused to refund me. I filed a dispute with USAA and they sided with the scammers. That's dumb. My own bank helping scammers rip people off. This is sad. I'll be moving to Navy Federal soon. DON'T USE THIS BANK. THEY DON'T CARE ABOUT CUSTOMERS. GO TO NAVY FEDERAL.


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Can't find balance in checking. Try to use points and what a mess. The president (or whatever) should be fired. Along with all those who keep making using online banking a horrifying experience. I have used USAA for years. And, patrilocally they really mess with the online banking. Key word "MESS". If it were easy to switch (changing direct deposits) I would have been gone a long time ago. Some genuine/serious recommendation(s). Save your mind and sanity. Don't start with USAA.


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I have spent days waiting for a “dispute” status of an overpayment on my car loan in which is through USAA and my checking account is with them as well. It is on recurring payment but my pay fell on the 16th and the autopay did not register that it was paid so I paid it physically unto which they hit my account later that day. Of course I had no intention of paying it twice and had to call immediately to try to get the loan payment reversed but of course that was too easy to do. I had to file a dispute against my own lender USAA & of course was told any NSF fees would not be charged of my checking in the process! Guess what? They were! I explained what happened and had to wait a few more days due to the holidays…I talked to 4 different people in 3 calls and some were still in training I think. All to be denied…I was so stressed and all living costs are coming up …My 2nd call I was in tears …y third call was to file a second dispute. 


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My husband and I have been with USAA for years but they have really gone downhill. Their care for military is a thing of the past. Back in September we had a fraudulent charge with our checking so we called. Went through all the necessary steps to report it. 45 days later they reversed it causing our account to go negative and saying they found no evidence of fraud and it was our fault. Now we are being charged overdraft fees and it’s just ridiculous. Luckily my husband and I opened a new bank today that seems ready to serve our needs better than USAA can do. I never thought being a disabled vet family we’d be leaving USAA but they are really not what they use to be or stand for what they use to stand for.


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I joined USAA in the 80’s when they liked serving the military. I noticed their attitude and level of service take a noticeable shift about 11 years ago. That shift has caused me to find a better insurance company for ALL types and I have found much better policies for much less.They have mishandled my loans so I have paid them off. I have no debt to them and so I am in search of a bank that appreciates its members like they used to. It is offensive to this Veteran that they state that they serve the military when they really don’t.


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In September there was an unauthorized wired transfer of $9000 from my savings account. When I notified USAA I went through all the steps of changing my passwords and spoke to fraud dept which said it would take them a few days to investigate. I got a call from someone at usaa verifying what happened and they said it would take a few days. I waited about 1 week and never heard back. I called at least once a week and a rep said they are working on it and one rep said someone will call back in 24 hours never got that call. I called last night and the rep John said that my case was closed and the $1300 dollars that was put back in my account is all that I will get and the other reps did not want to tell me that.


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On or about October 18/19 my wife and I called USAA to make them aware of 19 U.S. Treasury Checks that we received from the department of education.  USAA increased our deposit limit to $ and instructed us to use their mobile deposit to deposit these checks. A day after the deposit our checking account was labeled with an esp code as if we were doing something fraudulent. This has been a nightmare. This was done with no notification and we had no prior knowledge of what was being done. All we want is for our account to be restored to its normal status. 


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Their banking products are as bad as it gets. I needed to dispute a credit card charge and USAA did not at all care about me as a consumer and automatically sided with the merchant and hid behind hostile policy. There are a vast number of credit cards out there that will outclass consumer protection, or lack thereof, offered by USAA. I ended a 12 year loyal membership with them over one incident that really mattered to me. The one time I needed their help they let me down hard.


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My bank account was locked. The bank is telling me it has to do with the "Patriot Act" (A quick Google search says this has to do with terrorism). USAA required me to send in a picture of my photo ID, which doesn't even seem safe since so many people make fake IDs anyways. USAA says my account will be locked for 3 business days and I will have NO access to my money. I cannot buy diapers for my child, milk for my child, gas to get to work. The money that I worked for. USAA will not give me any other explanation as to why. I was never notified in advanced or asked for a copy of my ID prior to them locking my account. To the already struggling American population this puts such a burden on my family as my card was declined at the grocery store trying to buy necessities for my family. Not to mention it kept coming up with insufficient funds. That is embarrassing. 


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I filed a fraudulent transaction complaint on October 4, 2022 with USAA just minutes after the fraud appears on my account. I was told it would be resolved in 3 business days. I called each day to check on the fraud. 5th and 6th I was told 3 days which would be the 7th. On the 7th I was told the first day was the 5th so it would be the 8th. On the 8th I heard nothing so I called on the 9th. I was then told the investigation would be 3 business days from the 6th. This is one week after I initially reported $800 being stolen from my account. In addition, USAA has been charging me insufficient funds fees and my utility companies are charging me additional fees for returned checks. USAA doesn’t care. USAA keeps delaying the investigation when the payment could have been stopped before it was even released. Worst bank ever.


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I’ve been a member of USAA for 30 years since I started driving as a teen. I’ve never had any issues. We have multiple checking accounts, a savings account, a vehicle loan, auto insurance, and home insurance all through USAA. On 9/30/22, I received a called from their 800#. I didn’t take the call at the time, but then I received a text about a questionable purchase in AZ. I then called the 800# and talked with a rep for over 35 minutes. (Mind you, this is the same scenario that occurred when my debit card information was stolen earlier this year.) I was driving in the middle of nowhere and the call disconnected as it usually does about this area. 


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Chat with uninformed rep. No info on interest rates currently below market rate on savings accounts. My performance Plus Savings account is currently paying only .5% while CIT bank pays 2.7%. Bask Bank pays 2.75%. All banks are FDIC with 5* ratings.


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They are holding my money. They refuse to let me speak to a manager. They are not following Federal policies. They have terrible customer service. I spoke to Anthony employee number is ** who claimed that his manager David refused to speak to me. Then I spoke to Roselyn employee number ** who continued to argue with me. Refusing to let me speak to anyone above her. 3 hours on the phone was just a waste of time and got me nowhere.


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Today is Aug 22 2022. I learned 3 days ago that Usaa was closing my account per their right to do so. No explanation as to why. No letter, nothing. Today after escalating to the ceo office supposedly the highest you could go I was informed on the 8th they had mailed a letter to me about this account being under review. And by the 18th I couldn't access my money. So 7 to 10 business days for my mailed letter and before it arrives they shut down my acct. Claiming 30 days to close and then 7 to 10 business days to mail my remaining funds to me.


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We have been USAA customers for years. Imagine trying to get gas and your debit card not working and you call the bank and they tell you that they can’t tell you anything. Sitting at a gas station with all your money in a bank that you can’t access. A kind gentleman paid for my gas so I could get to work and try to find out what was going on. After many hours on the phone I was finally told that the account had been closed for a unknown reason. This began the end of July and we are on Aug 20th and USAA is still holding our funds. They are holding over 4,000 with no reason given. We have reached out to Wayne Peacock the CEO and the board of directors with no response. It has come down to reporting the bank and its actions. My advice would be not to do business with this company.


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In an effort to handle the paperwork and accounts following the death of my father I experienced the worst customer service ever from USAA. Following numerous timely calls, conversations with various departments, countless requests for documents, the matters are still unresolved. Survivor Relations? They have no relations! The other departments do not have access to a central system so you end up repeating the process with each staff member. It is unfortunate that this a service for Veterans, what a disgrace for the men and women who serve our country. USAA should be renamed USFF...they fail on every level!


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USAA had $500 promo to set up a checking and savings account. The only catch was he had to have Auto deposit of your paycheck. That was a nightmare to set up. I actually had to speak with a USAA agent on the phone at the same time I was at my bank talking to their personnel. All three on the call. Even after that USAA refused to honor the $500 promo because my auto deposit wasn't in the exact form they required. Again their employee was in on the call and told me that that was the proper method. They screwed me out of $500.


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I hate to say anything against USAA because their home owners insurance has been great for our family. I cannot say enough good things about the home owners insurance. But the banking side of USAA is a mess. The people in banking customer service are polite and try to be helpful, but finding someone competent to speak to is very difficult, in my experience. For nearly 1 month I was trying to have a simple signature card mailed to me so that I could add my wife as co-owner of my checking account. How hard can it be to mail a signature card. I will stop this rant and just say that something is seriously wrong in the banking department. Something is seriously wrong when a person is constantly put on hold for almost 1 hour and the issue is not settled at all. I love USAA but the bank has serious issues going on.


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My USAA bank account was locked, leaving me without access to my money. No explanation was given, other than an email stating it was locked, and all my online access was also blocked. Spent 1.5 hrs on the phone with various people to be told there was suspicious activity but wouldn't give me details of the activity for me to verify if it was me. I was told there is nothing they can do and I will be without access to my money for three days until they finish a review of my case. I have been a customer for over 30 years and have never had this issue but now am rethinking my decision to use their bank. I had previous issues with their auto insurance and ended up switching companies, as well. Customer service has gone downhill in past years. My advice is find another bank.


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USAA, should never be allowed to be called a bank/savings institution. Someone in San Salvador, withdrew funds from my account. Within one minute, I called USAA to stop the withdrawal. Security/ fraud, said they can’t stop the withdrawals, but afterwards they will make a claims report. I lost over 600$ for a month. USAA hung up on me 5 times during our conversations. They canceled my debit card and closed my account for no other reason, and would send me my funds in 60 days.


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I’m going to save you the hassle and say we have had USAA since 2007, at one point they were a good bank however now they are complete garbage. They access your account without your knowledge. They put money into your account, take money whenever they want and they claim they send out mail but I can tell you multiple times I’ve never received notices from them. And that’s because with any sort of dispute they use an outside company who doesn’t bother to look up the addresses or representatives only change your address in I guess a certain part of their system and not another part so they will send it to old addresses and they will just stick to saying, "We sent it to the address," even though you can provide them proof that you were not that address when it was sent out and that you have a new address that’s in completely different state thousands of miles away.


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I’ve been w/ USAA for 15+ years. They used to be the best, and now they are a nightmare to work and deal with. Their customer service went to stellar to a daily headed. Before I was proud to be with USAA, and now I can even go through the computer voice. And trying to deposit a $50k check has been the worst experience of my life. Enough is enough, and I’m parting ways. For the young servicemen, look for a local bank you can rely on!


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Lately my bank hasn’t been protecting my banking. What’s their problem?? Had to put in 2- disputes due to not ever receiving my product and USAA let them get by with it. I am very disappointed in this bank right now and forget the 48- years I’ve been with them. I don’t trust them anymore. Plus the specialists in disputes argues with me with?? If they fail to help me get 85- dollars and change sad to say I am gone! I see they sold the bank in 2019. Wonder why if it’s such a good bank or I should say was. I just got scammed 1600- dollars and they did nothing!


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I have been a USAA member for 30 years and my husband for 25 years. We had our savings and checking accounts with USAA, our auto insurance, homeowner's insurance, auto loans, and credit cards. We have cancelled it all. Their service used to be stellar. In the last 5 years, their products and service have deteriorated. We have had one bad to horrible experience after the next. We called and wrote to them asking what had happened, hoping they would redeem themselves. They did not.


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I have been with USAA for years. I knew exactly how the system worked, when payments would post, and how long they spent in pending. I have been with I was comfortable with how it all happened. Then, at some point, they decided that credit card payments were the enemy. I always knew exactly when my payments were posted and when they would deduct from the bank. I always made sure that there was money in the account. Suddenly, my payments weren't posted on time. I'm not talking days, I'm talking weeks.


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I am a 16-year customer with USAA. In that time, I have disputed perhaps four transactions among the tens of thousands of transactions I have made. USAA's Dispute Department has deliberately and willingly chosen to uphold a third party company's open attempt to defraud me. I purchased a 4-weekend introduction to coding bootcamp from NuCamp, an a-la-carte coding bootcamp service. The actual class was an absolute mess and nightmare: it was grossly not as advertised and the "instructor" could not stay on topic. He failed to cover the information we were supposed to cover and could not stay on the syllabus. He frequently went on long, winding diatribes that had no relation to what we were learning.


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There are some pluses with USAA like low interest rates, usually not always. But there are some bad things with them like sometimes their rates are obscene so shop around, dropped auto payments that cause problems and fees, they sell any loan that you take with them immediately making it difficult to figure out who has it and who you have to pay and are there changes to the loan, bad software for uploading a check. There is no bank to go to its online, overboard and subpar account protection, if you go the other town over and use your card then your account locks but you will get charges from companies you have never heard of, pay attention to your accounts because USAA will do some shady stuff at times. There's more things to complain. I've been with them 2 decades and the problems grow more numerous. My personal decision is getting away from them.


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I have banked with USAA for over 30 years. They used to provide awesome service. You can still talk to a representative and they will be polite; however, they are unable to be as helpful as before. First USAA offloaded the handling of investments, now they are selling mortgages to outside handlers without notice. Do not expect the unrivaled service or one-stop-shop of past decades or as advertised, they have become no better than any other online bank.


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USAA Federal Bank are scammers! A customer bought a product online from my store and emailed me she didn’t want the product anymore. Told the customer to ship the product back she didn’t. She opened a dispute and the bank gave her the money back. I showed proof and still lost the case. Therefore, you and your customer are crooks! Why did she accept the product if she didn’t want it? Why didn’t she return the product when asked? SCAMMERS!!


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Left my card at Walmart, put up a fraud alert, was told it wasn’t unauthorized 4 months later, after being told it would be resolved after 1 month. Worse bank in America. Don’t have your information stolen or they’ll blame you. They used to be helpful.


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USAA has been my banking and insurance provider for 25 years. For the first 24 years I was happy with their service, pricing and support. In the past year however, they had allowed their services and support to slide. Why a company can't improve with more experience is beyond me. Today, I have been sitting on hold for 3 hours and 14 minutes as I write this. I was somehow locked out of my account on my phone app. I did not attempt an incorrect password, etc as my account has Face ID enabled. USAA locked me out and forced me to call their 1(877)632-3003 Website Support. 


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UPDATED 3/31/2022: My husband has been a member of USAA for almost 28 years. Yesterday, on his payday, we were paying bills when we were asked to verify a purchase we made. We verified the purchase more than once with USAA and Visa, and the purchase was still declined. I then called USAA to advise them that the purchase was not fraudulent. While I was on the phone with USAA, with no notice, my account was placed into a "credits only" status. Because my husband has recently transitioned from active duty to retirement we are still making adjustments for a paycheck every two weeks to once a month. As such at the beginning of every month we pay all the bills, buy groceries, purchase gas for the commute to work, etc. 


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On hold for more than 2 hours, still no person to help us! USAA fraud dept locked our four accounts and won't answer their phone help line. It has been more than 24 hours with no access to our funds. The WORST bank EVER! Go elsewhere with your money, it will save you a lot of frustration. I sure wish we had some other bank as bad as I wish that I could have left them ZERO stars!


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I have the claims department call me to get a recorded statement. I tried to inform them that I had already done it and the representative question my integrity. Then decided to give me attitude and would not notify the manager to call me. Quality of service has taken a severe downturn. The excuse is COVID-19. After more than 12 years I’m going to MoveOn.


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I opened a checking/savings account with USAA in 10/2021 and a credit card. On 12/26/2021 they froze my account to include my credit card with no reason as to why. I have been calling USAA since 12/26/2021 only to be told that none of my bills will get paid and the account will only accept credit coming in. Mind you it's not like I have $2 million in the account all of a sudden. Everyone keeps telling me that someone from the fraud department will call, I was even told that they closed my accounts and mailed my check and a letter as to why but when I called today I was told that the account is still under review. I over this. I filed a complaint with the BBB and they told them it was an identity issue and if that was the case no one bothered to ask me to send verifying documents to prove who I am. I had insurance with USAA for 6 years up until this issue, and I must say that I am very disappointed in USAA. This is ridiculous.


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Been a member of USAA for almost 50 years. I use their banking, credit card, insurance and other services. Loved that you could call them and talk to human being representative within a few minutes. I've promoted it to every veteran I meet (Those reviewers who claim they can get a much lower rate from Allstate are being foolish - wait until they have a claim). USAA is still the best insurance company out there and I've had excellent experience with every auto, home and banking claim.


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USAA is a joke. I disputed double charging on my account from AT&T, DirecTV that has been happening for over year. My and I just noticed it and called At&t, they in turn credited 5 months of the payments and said we have to go through Usaa for the rest. USAA denied the 7 remaining charges saying it was too late that we're just out of $500.00. So much for taking care of the military, what a joke. I think this company is garbage and so are the people working these departments. I am a disabled veteran who does not have money to give away. USAA answer to me was to send some documents stating why they denied my claim. I say to all veterans and active duty members put your money and trust elsewhere. This company does not care about us just more like service from a company profiting off of us.


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On January 13 2022 someone hacked my account and did a 1,000 transaction through Zelle. I call right away and explain what was going on with my account. They told me it was fine. They were going to investigate. I told the lady, "Can you put a stop or block my account mean while? Because if they come back they can take the rest of the money out.." She told me it was fine, it was already reported and my money was safe..


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I want to say that USAA customer support is not what it used to be. I got misinformation and even lied to after asking an agent to notate my account about what we have discussed, they did not notate my account at all and had to reiterate what the issue was for the 4th in a day. Then when I was talking to an agent in Web Support and asked to be transferred to a supervisor, I was transferred to another agent in the checking department. I was on the phone for over 2hrs, absolutely ridiculous. Very poor service.


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I've been with USAA over 40 years. In the beginning, they were fantastic. However, over the past several years, they've deteriorated terribly. Their customer representatives seem to have extremely limited training now. They give out incorrect information and claim they're researching issues when they don't. I can no longer recommend USAA and am moving my finances and business to another financial institution.


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Spent 2 weeks talking to multiple customer service agents. Uploading documents. Spending hours on hold. Just to be denied for ** reasons! Too many inquiries. Really? No **. I am auto loan shopping. I have already been approved by several other lenders. Thought USAA was supposed to be the cat's Meow. Instead I feel it is the cat's Poo in the litter box. Unless you have perfect credit. Or are just desperate. Do Not Waste Your Time


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I originated a rv loan in 2018, for $84000.00 at a 6.34%. I currently owe $74000 on this rv that currently is worth $52000, I have called and spoke with the office of the CEO twice and was assured that I would be contacted and be provided assistance in getting this loan to where I could pay off it sooner. I have spoken with the loan assistance department and all they want is the money! USAA isn't going to do anything but let my home, yes I live in this be a repossession! USAA wants this home knowing it isn't worth the loan value. I want to pay the loan, not the interest at 6.34%  If I am not getting the principal paid down! Why should I keep this loan for another 14 years!


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I purchased airlines tickets using my USAA debit card. My ex girlfriend went behind me a changed the ticket and used the same card to purchase a new ticket and wasn't authorized to do so. USAA said this wasn't fraud and to contact the airline. I did that and it was all verified. I got the money back, but USAA would not file this as a fraud claim. They are calling it a dispute. Also this person was an executive claims adjustor there. I watched her do the same thing to clients that was done to me. USAA will never get another dime of my money EVER again. They take care of it own whether they continue to work there or not.


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Saturday, my debit card would not work. This happens sometimes as I buy crypto and USAAs systems flag it. Called to verify the transactions and go about my way. Tuesday I'm out at lunch and my card doesn't work again. Big surprise. I try a card for another account that doesn't work either. So I call and am told that my accounts are frozen for a fraud review and that it would be complete in three business days and that I can access my accounts on Thursday morning at the latest. Thursday morning rolls around and still frozen. I call again and am told they'll expedite it but it'll take another 3 business days. Friday morning I get paid and still frozen. This is beyond ridiculous. I've had this account for 16 years. No wonder banks dislike crypto. They can't freeze my crypto like they do my cash.


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My best friend Terry ** died in March of this year. He had a Credit card with USAA that I guess He owed $2350 dollars on. I was not on that account. However, I was a joint account with our savings and checking. I was given my Federal Pell Grant to be able to pay for room and board to attend College and USAA took that Grant money to pay off the Credit card that's not in my name. I am having to drop out of college. Thanks USAA for your great support of US citizen and stealing from me.


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USAA draws you in by listing excellent (auto) loan rates. (Not sure if they do with other types of loans as well, but they’ve done it to me more than once when shopping for an auto loan) BUT, when you apply, you will be offered higher rates. It doesn’t matter if you have excellent credit, income, and loan to value ratio…The rates they show online are merely to trick you into applying. I’ve been a customer for many years. I was an insurance customer until they raised their rates significantly for no reason (no claims ever). I am now in the process of transferring my accounts to my local credit union.


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I have been a member of USAA for roughly 15 years. Customer service was exceptional in the beginning but it has completely deteriorated over the last 5 or 6 years. Not only do the phone techs not know how to rectify issues or supply answers for simple problems but they now lie to you. I am having trouble with the USAA mobile app (AGAIN). I cannot access my money. I need to increase my ATM limit so I can make a large purchase yet I can't access my money. The mobile app says it needs to send me a text to verify my identity but they have no known phone number on file. This has been my phone number for 2 years at that point and I had updated it in the USAA system using a human over the phone at least 6 times, 4 times in the last 6 months.


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I am so angry with USAA and their policies! First of all, there are no banks or ATMs located within 100 miles of where I live in Albuquerque - which in and of itself makes absolutely NO SENSE because there is a military base here! Second of all, due to there being no way to make a physical deposit - they put a hold on all funds received through their mobile deposit feature! 


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USAA is somewhat unique. They don't have traditional branches and members do their banking online. That's my preference and not a problem, except that as an online bank you'd expect the USAA online banking experience and features to be top notch, but they aren't. Their bill pay functionality is way behind competitors (e.g., BofA, Wells Fargo) where I also bank. Payments to large billers (Citi, AMEX, Target, etc.) are surprisingly slow compared to the competition. The options for customizing the interfaces are limited and frustrating (the account I primarily access 95% of the time, is never on my home screen). They obviously haven't done much competitive or usability analysis. We used to buy insurance products from USAA but bundling advantages were minimal, and AAA rated competitors were significantly cheaper. The primary USAA saving grace is they don't nickel and dime me like my other banks do.


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USAA used to be a great company but over the last couple of years they have went to the dogs. I had a tree fall near my house 2 years ago. Usaa sent out a repair crew to fix a 6 inch hole in my roof. The repairs ended up costing over $30 thousand the contractor ended up being investigated for fraud by USAA. As the investigation drags on my credit rating takes a hit from their contractor and my insurance rates went up like crazy. 


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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 me 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.


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I have been a USAA member for over 22 years, but some of the products or Third-party vendors are way behind in the bars that USAA delivers. Bill pay shows a poor commitment to customer service, and efficiency that USAA has earned. For instance, we moved over three years ago, but Bill Pay has Not yet updated our home address, even though I have been in contact via phone and USAA web messaging system. The checks sent out reflects an old address of ours, so when solid checks show an Inaccurate address for us. 


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I had experience with Heidi and Vince from the CEO office of USAA. My dispute is for $5000 and is because I did not receive my order from Alibaba.com paid for with my USAA Bank debit card. They submitted to Visa and came back and told me visa would not honor the dispute because a 3rd party was involved with the item (customs). I emailed with visa who said this isn’t their policy and to talk to usaa again so I did. First of all there was no customs involvement with my items until May 11th and I have emails from the airport manager, customs agent, and a letter that all prove this. So my claim in April should not have been denied for this reason. I have still not received these items that were due to me in March. I paid for the other half of this order with my PayPal debit card and they investigated and found that I was entitled to a refund for items not received. 


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Well over 30 years with this bank is coming to an end. After several erroneous credit card transactions and re-issuances. I noticed that new cards were having charges before I even activated them! This can only be done from the inside. USAA will not admit it, but they have a serious problem. Customer care is gone with this organization. Declining debit card transactions with over 100 times the transaction amount in the account...it goes on and on. I can only recommend to new service members starting out---do not join.


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For years now we have watched as their algorithm withheld any ACH payments for up to a WEEK and then hit us with an NSF fee even when we would deposit money to cover the expense. We've gone so far as to take the extra fee to pay with our card so they can't do this to us but some things we can't change. The most recent is our payment to the YMCA which faithfully has gone through every 25th for months now. 


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They refinanced my house mortgage but aren't refinancing rental properties. Hence three stars. The rates are good, but I'm annoyed that I'm not able to refinance our townhouse and condo. I got strongarmed into going with a preferred mortgage company with both my townhouse and house.


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I ordered a teller's check for my monthly rent. USAA withdrew the money but lost the check and never were able to deliver me. After calling multiple times I got very inconsistent information on how to recover the money. Turns out there is a 3 month wait period. After the 3 months I had to fill out a set of forms and call multiple times with long wait, but they told me if I uploaded the form online it would work. After weeks of nothing I had to call again, and a new person told me I actually had to mail the form and the former person told me incorrectly. After another week they give me a call saying they printed the wrong check number on the form, so I have to repeat the process. Terrible experience, customer service reps are not knowledgeable on USAA policies and give me conflicting information, all as I am trying to resolve a check that USAA themselves lost. Will be switching to a better bank.


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USAA is requiring members to divulge personal, private information prior to logging in to access my bank accounts. The website is asking questions such as "what is your net worth?" and "what is your annual income?" and other information that is private. I am not applying for a loan or requesting any additional accounts- I am merely trying to access my current accounts and the money I've invested with USAA. If you don't answer these personal questions, the website threatens to restrict access to your accounts. I do not wish to answer personal questions or give out private information to my bank so that I can access my money.


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USAA is a full service bank that really takes care of its customers. If not able to take care of any issues online, USAA has customer service that is always polite and helpful. The website is easy to use.


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My husband I have been members since the 70’s. The insurance side has been great, the banking side not so. I have. This is just one of many crazy issues I have had with this bank. I placed a $20.00 some old order with Zazzle. It was denied. I am sure USAA saw this as a fraudulent charge. I immediately called USAA and am on 53 minutes on hold. This happens every time I have to call. I messaged them, via FB Messenger and got some canned response about how sorry they are. I am now changing banks. If you try to call them out on social media they have their setting to most relevant which means only favorable reviews. They used to be a great company. Now I am changing banks and insurance because they aren’t so great anymore. I am now on hold for 56 minutes.


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I have been a USAA member for 39 years. My mother passed in January and as a result all family members are leaving USAA Federal Savings Bank, that is over 15 families. It has been impossible to access her accounts that were Payable upon death, pay her 2020 income taxes and access her mutual funds, Victory Capital. I strongly suggest leaving if you care for the survivors of your estate and don't want the huge obstacle of USAA Bank in your way.... absolutely no customer service and each "representative" gives you a very different story- so so sad. Once was a great company but those days are over! It has been a nightmare- 6 months later, we still have no access to file for her income tax in 2020 because they want to charge for every document requested- at least over 500.00 dollars. It took 5 months to get access any of her money that her family was designated by her to have access.


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All banking is online with USAA...but it is one stop shopping.... insurance, checking, savings, CDs etc...Always someone to speak with if needed...Husband has been a customer since 1970's...Love it..So organized


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USAA Federal Savings Bank: available to Military, former Military and families - provides checking/ savings/ Home Equity line of credit. Website easy to use and secure - available online and via mobile app. I use them for bill paying - both scheduled automatically and can add one as necessary. Paper checks are also available. Finally, their debit card will reimburse fees (up to 4 or 5 per month). Excellent customer service via phone or message.


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As a Veteran my bank USAA has gone above & beyond to attend to my banking needs regardless of situation and hour. They offer comprehensive assistance in all matters of my finances. I have checking, savings & insurance which is $110 monthly. I am considering rental insurance as well as it will lower my insurance even more.. Can't beat that.. Bravo Zulu USAA.


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You Always have physical contact to Bank representatives by telephone or chat- timely response to questions and concerns- online website is secure and easy to use - auto and property insurance within same establishment a big plus!


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USAA has never let me down. Whenever I call them for any of the services they provide me, whether it be banking, auto/renters insurance, credit card, etc, they always have an answer to my questions. I always receive the best service from USAA representatives. They're very knowledgeable, fast and efficient, thorough, and polite. I never hesitate to pick up the phone to call USAA for assistance, because I know it will be a pleasant experience regardless of the reason I'm calling. I'll think twice before I call any other service provider, but not USAA. Professional and courteous service is something that they are not short on. I'm glad I served in the US Navy, which affords me the benefit of full access to USAA's services...not just their great banking!


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Tried to lock into the USAA account only to find out that the account was locked. Called USAA, entered the USAA # only to find out 'not a member'! Called again and used SSN - same deal - not a member!! This happens ever 2 -3 months! So I have to call tomorrow morning when I can reach a live person, go thru the authentication to see if I can get this resolved!!! We have been USAA members since 1978!!!


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USAA maybe the best insurance, but not for customer service. You have to go thru 3 or 4 people before you get the right person. Billing put a note on their website my car ins was being cancelled for nonpayment. They take it right out of my account.


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USAA USED to be an outstanding company but they lost their way long ago. I've been a member for 40 years. That ends now. I have filed so many complaints with USAA that when I got a phone call from the CEO's office, they asked me to call back. When I did, they asked me why I was calling...what was my issue. I wasn't certain because I'd filed so many complaints. They never figured out why they called me. That's just ONE indicator of why USAA is no longer an outstanding company.  


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USAA is not the advantage it used to be, but more importantly is you’re no longer a person there. You’ll now find that without a digital verification they will not talk to whoever has your phone, they will talk to anyone that has your phone and verifies talking from the phone that was yours, but it lost or stolen, the new owner is verified as you. Likewise, the backup verification is your credit card, which if stolen with the phone, then you’re absolutely no longer a person, as the device or card has more identity than you as a person does. Enjoy having been mugged, or ripped off, and losing the security that your bank used to give you facing adversity around the world; sadly, that doesn’t exist anymore.


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I have been using USAA Federal Savings Bank for many years. At first it was great - no minimum balance for free checking; ATM rebates. However, their service has deteriorated markedly. There is no way to email USAA Savings Bank. They have a poor chat interface. And if you are unlucky enough to need to call them, good luck.


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A couple weeks age my checking account was used for unauthorized transactions Some of which USAA was able to stop. However two transactions appear to not have stopped. USAA has shown little interest in investigating a transaction involving a $6,200 payment to a what appears to be a charge account at Chase Bank. The personnel at USAA are the only parties that can provide enough information to trace this transaction and have Chase reverse the transaction and return the funds to my USAA checking account. USAA has shown only minor interest in dealing with this problem. In addition there was a cashier's type check issued to a party in Florida which has received little to no attention.


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USAA has gone way down hill! I encourage all of my friends to take a look at the decline in service from USAA, banking and or insurance, and to find a new company to give your business to. I have been a member and customer of USAA since I was 16 when I started to drive for their insurance and since I enlisted in the Army in 1993 for all of our banking needs and their customer service has gone from one of the best to one of the worst. We refinanced our vehicle over a year ago (Jan 20) and we thought everything was going fine. We were making our payments and had not heard that anything was wrong. It wasn't until our vehicle was totaled in July that we found at that USAA was not doing their job. 


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My phone and mobile app were hacked to the tune of almost 5000.00. I immediately reported when I saw mobile deposits and withdrawals from 980 up for purchases of what I assume are cards after calling the merchants. I DID NOT DO THIS!! It was reportedly immediately and blocks placed on all accounts. I have deleted all my information and changed my user id, pin and password. I was told yesterday by "specialist" that I would be responsible for the deposits and the charges. Are they kidding??? My payroll and benefits are deposited here and they can't be redirected for at least a 8 weeks. That means USAA is now going to be the one stealing from me. Just be aware and don't use mobile app and do not have any codes sent to your phone. Definitely not the bank they use to be!


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I seldom use my USAA checking account, and hence was surprised when money transfers started being initiated from my external bank. A total of $7500 had been transferred so far, and someone has been using the account over the last week to pay bills suck as Amex credit card bill and utilizes. I contacted USAA to notify them of the finding. Should be a simple process I thought. I have had this account for 13 years and I was shocked when the first representative hanged up on me after insisting that it was my fault for the fraud due to not securing my password.


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I was told today that they no longer will service me after 18 years. I asked why and the bank and the senior manager could not even give me a valid justification. I used this bank for paying bills and shopping. All they could say was that they were sorry and did not know why my account was being closed.


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Horrible customer service. The girl I talked to was not knowledgeable, kept putting me on long holds, and apparently hadn’t been trained on the SCRA. Their website advertises falsely that they follow the SCRA and offer even lower benefits to active duty and deployment services, which is great since it is a military based company. However, when I called about it after submitting documents they said they no longer offer these benefits to Service members effective October 1, 2019. When I told them this was federal law, they said yes, but it doesn’t apply to credit cards, apparently finding a “loophole” somewhere to deny the SCRA to members serving their country on deployment. This is literally the only one of my creditors that doesn’t offer these benefits to customers. American Express, Discover and Chase all offer a reduced rate while on deployment. In fact, American Express took my APR to zero while my husband is deployed.


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I have been waiting for my debit card request since January 2020 which makes it almost a year now! As a lawful immigrant, USAA does not seem to understand my legal documents. They have rejected my Debit Card request through a joint account with my American husband more than 10 times. Each time you call, the representatives’ responses contradict their OWN representatives you talked to before! They are not trained on any of the forms, keep you on hold for hours, get off the phone, then 10 days later REJECT you and come up with another excuse. I am stating this again “THEIR RESPONSES DO NOT MATCH WITH EACH OTHER” and they contradict each other! To the point that after 11 months of waiting I have decided to move on with another bank! This is very embarrassing for USAA and they need to TRAIN their staff! Again HORRIBLE customer service, stay away from it if you can, especially if you’re an immigrant!


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Was a member for over 10 years no issues until July 2018 when my purse was stolen. July 16 2018 that's when I realized my purse was missing. I called USAA because I was locked out of my account and let them know my purse was stolen along with my ID my debit card my phone and the check I had done a mobile deposit on. That's when I found out that my account was negative over $3000. How. I don't have overdraft protection. Several checks were deposited in my account and then money taken out at the atm. I told USAA my account and debit card had been compromised to cancel my debit card and not to honor any checks coming through because they were fraudulent with the exception of the one deposited on July 10 2018. I told them that all charges after the atm withdrawal of $260 on July 10 were unauthorized charges. 


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To think USAA will tout themselves as a national bank is appalling, their fraud department for a bank is terribly defunct. How can someone swipe my debit card which is sadly not stolen nor missing because I have it with me, yet it was swiped at a QT gas station. I have never been to QT, but It was used to purchase groceries and cash advance, my money is yet to be refunded, it's been over a week and still no explanation, yet I'm supposed to activate a new card when I do not know how the old one was accessed in the first place to steal from my account.


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USAA offers CIGNA dental insurance as a third party. After signing up, I discovered USAA charges $10-$15 more per month per plan than does CIGNA, depending on the plan. It is less expensive to go directly through CIGNA. I am trying to rectify the discrepancy and it is proving to be very difficult.


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I applied for an SBA loan which was deposited into my personal checking account on 7/27/2020. The next day USAA froze all of my accounts without any warning and locked me out of my online access to my other accounts (including savings account, youth checking and savings accounts, credit card, personal loan, and property and personal insurance accounts). They initially told me they were investigating my account for possible fraud due to the large amount of money deposited into my account. The money was electronically directly from the SBA Treasury which was clearly indicated on the banking records. They questioned whether or not I owned my own business. I offered to provide them with any supporting documentation they needed to show that everything was legitimate.


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After banking with USAA for years our accounts with thousands of dollars in them were suddenly closed without notifying us by mail, text, phone call or email and our money was supposedly sent to us in a check form. It's been over a month and no money. We were also told that our accounts were closed because after years of using a PO Box for mailing that this was no longer acceptable. We are a large military family from Grandfathers to Great Grandchilden and they all are closing their accounts, you don't make my wife cry without consequences. I feel our accounts were closed because we did not take their expensive insurances.


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I paid off 3 loans I had with USAA. 1-Vehicle 1-Camper and 1-ATV. I received the vehicle title in the mail and then with the other two I was told that they were mailed. I never received them. I'm told well they were mailed from a third party vendor. Then, I'm told the state made a mistake on the title. Yet, I'm told to go to the state and apply for the a new title, which will cost me $55 for the state and all other notarization fees. Can't get a new title as I don't have all the information to fill out application for the state such as title number. I'm told we will send a letter that the lien was removed. Again, I don't have any information to get a new title. I would not recommend using USAA for their loans as they use 3rd party vendors.


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On Thursday, September 3rd, 2020, we received an email from USAA to contact FiServe, as a payment to Travelers Insurance was returned. We contacted USAA immediately, and were told that our account was frozen, and in the process of being closed. The reason was “evidence of business activity in a personal account”, specifically that we had inbound wire transfers from businesses. We inquired as to the specifics of the wires in question, and asked why we were not notified. We were advised that USAA allegedly sent a letter to us on July 1, 2020, via USPS, not certified. Had we received the letter, we would have contacted USAA. Why would USAA rely on a shaky USPS to deliver notice of account closure when they have a secure email system, or could have called?


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There I was...a 30 year customer, visiting my brother in-law in the Philippines, when the Taal volcano erupted. Then the news of a deadly rogue virus from China. I elected to leave the country ASAP, but alas, USAA blocked my bank account, credit card, ATM card and all access to my funds! Using limited Intl' cell phone service, I could not find, even one competent customer representative to restore access to my funds. After two weeks I was able to borrow money to return to the U.S. It took weeks to close All my accounts with USAA and recover my funds. Whatever challenges life throws your way - USAA won't be there for you, you ARE, Just Another Number. USAA - incompetent, disloyal, void of the core values that military families expect. Perhaps they should ask their members - why they switched FROM USAA. Take it from the Chief - USAA is NOT made for What's Next!


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I do not recommend this bank any longer. I have been with them for well over 10 years. Two years ago we bought a house and needed to give a check to basically hold the house. For some reasons, the "people" that were selling the house, decided to keep the check for 2 years and then decide to cash it, in the middle of a pandemic where a lot of people have lost jobs, including my husband. So what was left in the bank was already spoken for. 


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USAA is all about customer service. They go above and beyond to satisfy customers. Very proactive with alerts and issues with accounts. Everything is online so they have their work cut out for them to stay on top of issues. Overall a great bank.


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USAA Banking is easily the best bank I have ever dealt with. I have a checking, saving, and vehicle loan through them. In the past I have had a mortgage and 2 other vehicle loans. Excellent customer service, no fees, and great rates.


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Great bank. Why can't I just say good bank? No fees for checking. Though I did have a charge a year later on a different account. They allowed that charge and never refunded. They are still a big bank.


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I was with B of A for 25 yrs, until one day I got a refund check from a business that I  had a warranty issue with. B of A charged me 9 dollars to cash the check. I decided to cash the check because I was concerned it may not be any good since my battle to get the refund took months and a lot of stress getting there. Needless to say I decided at that point B of A did not treat me as a valued 25 yr customer so I left. I went to USAA as I had been with them for 12 yrs as a Credit Card and insurance client. I have had issues in my life that USAA handled without me feeling undervalued, including someone used my CC for purchase I did not authorize. Additionally, they helped me manage my mother's investments after her stroke and since finance a 180k RV which I had problems getting the loan through other banks. I am with USAA for life!!


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I joined USAA a few years back and am very happy I did. Nice touch when you call in is that they address you automatically by name (and rank) and have immediate access to my account information to begin helping me with my queries, versus mechanically asking for my account number, asking my name, then repeating everything I say and not active listening, hence prolonging the process until getting to my query. I have closed my accounts with my previous bank and now do all my savings/checking banking through USAA. Plus utilize my USAA credit card most because I can pay it immediately from my checking account. I don't think that I should be limited to how many electronic transfers I do between accounts, since it's digital and doesn't require manpower. And believe since my credit score has been excellent for some time now, they could work with me to do better on the credit card's APR.


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Too much going on with the phone tree, press 25 for yes press 106 to be connected to an operator, then the system tells you why you are here, that we can choose other options and then it wants us to leave feedback. I always say NO, they don’t want my revenge. In other words, no matter how good customer service is once you finally get there, it is overshadowed by press pound, or whatever other prompt.


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Easy online access. Representatives are courteous and helpful to answer any questions that you have. If there is a problem, it is resolved quickly. I have been using USAA for 30 plus years, never had a problem or complaint.


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I have been using USAA for many years and I cannot think of anything that would even come close to a bad experience! Great banking and I was able to finance several cars with ease. EXTREMELY HELPFUL WITH FANTASTIC CUSTOMER SERVICE!


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Amazing bank and customer service!! ATMs located everywhere I need them. I love USAA and I’ve banked at quite a few of the major ones. USAA’s app is extremely accurate and easy to use. The use of scanning my checks was invented by USAA, I love them.


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USAA, for those of us eligible, is a fantastic bank. Active/reserve/National Guard military members, retired, and most veterans & families are allowed. My accounts have no fees but I'm unsure if that's because I'm retired active duty (started account while AD) or if all accounts are without fees. Even though USAA is an On-line bank, I haven't had any issue with the inability of actually going to a brick & mortar bank - in fact, it's actually quite refreshing. There aren't fees at ATMs but I typically just get whatever amount of cash I might need at the grocery or other store during checkout. I'd highly recommend USAA for anyone eligible to make an account.


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Their mobile app is very simplistic and easy to use. I can scan my deposit and it is posted the same day. The Customer service is very friendly and are concerned about helping you. They are very knowledgeable about their products and will offer other products that may fit your needs better. I also like the fact that they share some of their profits with their customers. Each year I get a deposit in my checking account that varies with their success. No other bank I know does that.


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USAA is different from other banks. It has a credit union feel in a sense that they really get to know you. While they market their products to you as a customer, they never spam you or offer you irrelevant products. This really makes a difference. And so do super-competitive rates on property and casualty insurance and major banking and credit products.


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We have been with them almost 40 years. There have been a few bumps along the way, but they have always made it right. I like there app. They were one of the first to offer electronic deposits. They offer online loan applications, and good service.


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I've been with USAA for over 50 years and have always had great service at good rates. Their online banking features are top-notch and when you call, normally, you get an English speaking person that you can understand.


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I have been with USAA for 40 years. After moving to Japan, I removed $200K+ from their Banking Division, as they were rude and provided horrible service from Japan. Talked to a manager on the phone and he was totally indifferent whether they kept my account or not. I did leave some money in USAA IRAA and Savings. I was the victim of identity fraud and by fortuity caught the thieves requesting a loan in Texas BEFORE USAA GAVE THEM THE MONEY! However, since USAA is NOT OPEN 24 hours/day, I first emailed, then called around midnight Japan time, then emailed again to make sure the thieves didn't get the money.


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I chose USAA Banking, for I had issues with another bank. I like the way I’m treated plus the professionalism way of treating a customer. Customer Service, even after hours, one can talk to a live person, if you select to do business that way. I do recommend USAA for those people that are eligible; and want a bank with many options.


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USAA is an excellent bank for veterans and their family members who have served in the military. The customer service is excellent and friendly with the ability to inquire via phone or chat. The variety of services and products available is extensive. The online banking app and mobile app is easy to use and safe with 2 factor authentication. Their security measures are top notch. They have no monthly fees for their accounts only overdraft fees, which is understandable. My one and only complaint is the wait times to reach a customer service representative, at times, can be a little long. Perhaps they need to hire more reps. That is a merely an inconvenience. I highly recommend USAA Bank.


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USAA for all your banking needs at no cost for monthly services. No matter where you are in the world; a phone call is all it takes to resolve the problem 24/7, 365 days a year. Need a new car, through their select dealerships they can make a purchase for you a virtually no markup.


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USAA STOLE $75 from my account. They erroneously deducted $75 from my account with someone else's personal check and refused to return it to me because I didn't report it within 60 days. After three attempts to get reimbursed, I have had no luck. This error could have been easily rectified by deducting the $75 from the correct checking account, but USAA apparently has decided not to do so. I had trusted USAA for 31 years and had passed on the USAA tradition to my children. Now, we are in the process of moving our money elsewhere. Choose a bank that you can trust with your money, not USAA.


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I have been with USAA since 1978. I love them! We have all our banking and insurance through them (Home and auto). Always available, always helpful. They have assisted us in buying vehicles, setting up children's accounts.


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The downside to an online bank is a lack of brick and mortar locations when you need a sum of cash that exceeds the daily withdrawal limit, a cashiers check, or other similar service. The customer service is excellent.


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Ex-wife file bankruptcy NOT me. After being a member 29 years, after 3 years USAA submitted against me for 2 accounts in my wife's bankruptcy. 1 account was removed and after 3 years they added the other. The first account was removed from my credit report and they sent me a letter to provide to credit bureaus. USAA stated I paid until Jan 2020, now reports bad credit and I'm delinquent. I haven't paid in 3 years due to my ex-wife's bankruptcy. USAA bankruptcy won't give specifics but reports me as delinquent. I am being punished by USAA for something outside my control as a retired military officer. I've had several loans over the years with USAA.


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Small $12K collateral loan denied. I am a 21 year member of USAA. 748 FICO score, 12% usage of credit used and 88% available, over 19 year credit history and several years since last revolving credit opened. Turned down because of Too many inquiries? 6 of 9 USAA.. Balances too high? Only have 3 all less than $5k highest being 42% usage.. Account opened too new new? Installment account a year old and with USAA.. I have and have had MANY accounts/loans with USAA over the years. I have ALWAYS paid early, more than what was due and paid off early! I would seriously look elsewhere before allowing USAA to make a hard credit pull!


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The info is copied from my USAA mortgage website regarding the forbearance on mortgage payments due to Covid19. "Plan Summary. All monthly payments are paused for 6 months starting with your 04/01/20 payment: Key aspects of this program include: Payment relief; No late fees or penalties during the forbearance period; and No negative reporting to credit bureaus during the forbearance period." This is completely untrue, my credit score has PLUMMETED in last month of the forbearance. I only took a 3 mos pause and my other debts were kept current. USAA are liars and did me more harm than good.


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I have been with USAA for 5 years. They work against you and not with you in all matters. They are not there to assist you but to make everything extremely difficult. They have high qualifying terms on all products. I am so happy to finally be firing USAA.


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USAA has lost its mojo and lost its recipe for providing service to its members. Since June I have experienced repeated instances of USAA failing to act in accordance with my requests, taking action I did not request, and dissembling and diverting to avoid taking responsibility for its actions or implementing remedial steps. This is causing significant difficulty in managing our financial affairs. USAA is not the company it was many years ago when I joined. I would recommend against anyone joining at this time. We have had problems with their insurance and mortgage operations in the past and no longer place our P&C insurance with them.


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USAA recently transitioned its investment accounts to Schwab. My company has a 401k with USAA that transitioned too. One of the staff member's account did not transition, and instead has been placed with "National Financial Services" as "abandoned". Here monthly contributions have been made in the most recent 18 months since she joined the company so whoever/however this account was determined to be "abandoned" was an error. The USAA reps contacted say the money will need to be taken from the retirement account as income with penalties and interest. The phone number provided for National Financial Services does not get answered even hours after staying on hold. 


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This Bank is the absolute worst Company I have ever had the misfortune to deal with. They are out of touch with almost all lenders. Horrible processing of loan papers. Lost documents. Out of sync with credit reports. Take forever to respond to any communication. STAY AWAY if you want to keep your sanity.


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We have banked with USAA and had automobile and homeowner's policies with them as well as a loan for 19 years. We haven't had any issues until fall of 2019. Here's the first incident: We opened a savings account for my daughter when she was younger. She joined the military and has a USAA account of her own but we kept that savings account because...why not? She uses it. She got a call from USAA that they were closing that savings account and that she should've never had access to it. She felt like she was in trouble and that she had done something wrong. They "helped" her open a new savings account. 


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My wife and I have never had better credit more money in the bank. We have gotten several loans in the past. I had no idea that US AA had an F rating. If I did I would’ve never gone to them for a loan. My wife now does not want to get the loan due to the fact every time we turn around they are asking her for more paperwork. We have a total of 10 properties. We only owe on one of the properties. The payment is 1500.00 a month. All our cars are paid for. Credit cards paid on time. Income coming in from 8 property Plus my wife has a retirement income from being a teacher. She served in the military. Do you not go to these people for a loan.


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After disputing the reasons given for a credit card application denial USAA personnel reviewed my credit file with me via phone conversation. They stated that not a single reason given was valid and even verified this with the Underwriting Department. However the USAA personnel stated they were unable to override the decision of their own computer algorithm. I am a 44 year member of USAA. 786 FICO score, 4% usage of credit available, 16 year credit history and several years since last revolving credit opened.


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We were looking to open a business and did not use credit cards personally. It was recommended that we start to build our credit score. After calling around we decided that USAA had the best option with their prepaid credit card to build credit. We made our deposit and received our cards and everything was fine. Then a few months later they changed the program to not allow us to do additional deposits and no credit limit increases. We didn't like that because we knew that wasn't going to help us out any as we had planned to do additional deposits over time and continue to pay off the card every month. We stuck with it knowing that after 2 years the cards would become unsecured, we would get our money back and hopefully, our credit would have benefited. 


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I had no problem with USAA till they lied to me over and over again in regards to my Secured Credit Card. The other problem is that every time you spoke to a new representative he will give you a different answer to your question every time. They are very polite in their deception though. They told me when I first open my account for my Secure card that 'No worries sir, you will be able to add to your secured deposit after 6 months.' 6 months became a year, a year became 'we have to get back to you on that' which in turn became 'oh sorry, you can't increase it if you open it after 2011'. I am writing a complaint to the compliances bureaus. It may not do anything but it will dissipate my disappointment.


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My wife has been a USAA member for a very long time, and up until the last few years, had been very pleased with them. She has a neurological degenerative disease that has taken its toll and now has trouble speaking, writing, using computer, etc... So online banking for her has gotten more challenging over the last several years. We therefore, have gotten a POA for me to assist with her banking and financial management. After facing the POA to them about 5 times, and them still denying it's receipt, I have up on it. We decided to close her accounts for financial ease, so I paid the remaining balance on an associated credit card I did not know she with USAA. 


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I have been a bank member for only a year but I will be moving all my accounts, including insurance and homeowners as soon as I find reputable companies. I do have a few bounced checks during my time as an account holder. I admit to that. I recently sold my parent's house and MAILED in a check with a deposit slip (because of the bounced checks my mobile banking app for checks deposited by phone was suspended). Quite a large sum...over $140,000.00 First my check posted in my account with a hold. Nothing unusual with such a large check. Then my accounts get frozen and customer service tells me the check is likely to be returned!?!? Called the issuing bank and the title company that issued the check. They HAVE THE CLEARED CHECK FROM USAA. So USAA cashed my check and won't release my money or unfreeze my accounts because they might return the check for fraud reasons. BUT THEY ALREADY CASHED IT. 


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BEWARE: I received a letter in the mail saying they are freezing my account due to suspicious activity. I know there are problems in the banking industry and with credit right now. But isn't the REPO agreements and Stimulus supposed to be bailing the banks out? Why are they threatening to freeze my funds. I have done nothing wrong. Apparently anyone with 10k deposit is a "suspect". Be careful. The banks are looking for excuses to freeze accounts. Rumor has it they are going bankrupt again...


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I have been a member of USAA for over 20 years and I have used multiple insurance, banking and loan products. Recently I attempted to get a better interest rate on an auto loan than what was being offered in light of my tenured membership, payment and credit history and the fact that interest rates are currently at or near 0%. After spending 30 minutes on the phone (most of it on hold) and no elevation beyond the initial customer service representative, I got the same answer I got going through the motions on USAA's website. This has been a recurring theme over the last few years. I do not feel that USAA is living up to the individual customer service it prided itself on in the past. I am just another combination of 0s and 1s to USAA. At this point I am looking at other banking and insurance options as I can only take so many apologies from customer service that go nowhere.


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I've been a member of USAA for almost 17 years. Within the past 5-7 years I've seen the company slowly decline especially after it opened up its membership and started doing more advertising especially on TV. Their interest rates are high now and their qualifying criteria isn't really disclosed other than they consider "multiple factors." Also, their fees and everything else isn't as competitive anymore. 


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The process was painless. Every question was answered honestly and explained to our satisfaction. The paperwork was easy and mostly done on the internet/email systems. We re-fi'd with them sometime later for a lower rate. That process was also painless and saved us tens of thousands!


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I am beyond disgusted with USAA. My credit card was fraudulently used four times for almost $20k total in the past two days and I cannot reach any competent person who can help me identify where the breach is occurring or what I can do about. I've now been on hold for more than 2.5 hours and I am transferred from the line operator to executive resolution to breached account services where a lovely person named Carla hung up on me. When I called back I was told that I needed to be routed to yet another department. For such a large bank without offices, you'd think they'd care more and try harder with customer service on big security breaches. I've been a USAA member my entire adult life and I'm now 61. Tomorrow I begin the arduous process of transferring my automatic paycheck deposit and my recurring charges to a new local credit union and I'll be done with USAA. Beyond disappointing.


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Just a veteran, but good enough! I had some unexpected major expenses three years ago. Good credit score, security clearance. Just drowning in high interest. Tried getting loans with credit unions in my area who make their fortunes from vets with clearances - namely Tower FCU and Navy FCU. They either turned me down or did a bait and switch on the interest rate due to my high D/I ratio. I even applied with online lenders who guarantee the lowest rates. But it was USAA that came thru for me in the end. I guess I should have known, as I've been very happy with their bar none customer service since day one. I'll be looking to refinance my primary residence and rental property soon. USAA won't have the lowest rate, I'm sure. But they'll be the first Bank I call. Trust me when I say, it's important to have a good relationship with your lender!


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I bank with USAA. They sent out a notice regarding my trust. It was an urgent request to send various documents to USAA. Notice said if documents were not received by certain date, they would close the account. When I called to find out WHERE to upload the documents (the notice was utterly unclear, it was poorly worded... a 2nd grader could have drafted a better more effective letter), I had to wait online for 45 minutes. They've changed their MUZAC online, so you have to listen to a repetitive marching, electronic tune that agitates, angers, stresses out. And you must listen to this crap for 45 minutes! I've been with USAA for 45 years. Never has their customer service been so poor than for the past 5 years. I'm moving my money. Bottom line. They don't deserve my business.


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I recently enrolled into USAA. I opened a savings account and moved several thousand into that account. I talked to a financial adviser and created an IRA into which to roll over my 401k. I then initiated the rollover, which hadn't occurred at the time that this happened. This morning I attempted to log in and found that I was locked out. I contacted support and after MANY handoffs I learned that USAA has decided that I was doing something fraudulent. They will do no business with me, and they won't explain the decision. And there is no way to have them reconsider that decision. They closed all accounts and restricted all access.


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Twice now my debit card has been suspended due to potential fraud. USAA jumps to suspend debit cards for fraud without considering the potential problems. Suspending a card due to fraud should be done with a scalpel not a hatchet. In the most recent case my automatic draft to Verizon was cancelled along with 5 other transactions. I tried to use my card at two locations in my hometown that I visit frequently and the card was denied. This was after talking to a USAA Customer Rep and told that my card was okay to use. Talking to another two customer reps was also frustrating. The last auto insurance quote was ridiculously high. I will be looking for another bank.


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Hello My disabled wife and I are being evicted Friday. First we were scammed for 3k then USAA Bank offset the debt by taking all of my income which is ssi and vets disability for Jan and Dec. They now have my wife's ssi frozen even though they closed and charged off my accounts after being a member for years. I was in a medically induced coma in august with a 3-7% chance of emerging from without brain damage but because I couldn't afford my meds. I was in the hospital following a seizure for 2 days last week. I'm a 53 y.o. disabled vet and 61 y.o. disabled wife sons on active duty 1st Special Forces Group Airborne. Full-time grandparents...USAA has my wife's SSI locked and without that we will be evicted. The Social Security Offset Act says their actions are illegal.


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Due to low rates offered on CD’s, I sent the appropriate transfer documents to the fax number provided by the USAA representative, Alex, who assured me he had everything necessary to effectuate the transfer. It did not occur, so I recontacted USAA and was transferred several times between numerous divisions. No results. Finally I requested the executive division only to be once again given false info. Finally, I got a party who had some knowledge as to what to do, only to be told CD transfers took at least 48 hours. It has now been over ten days since the first request and the money has yet to be transferred. No one in the banking division seems knowledgeable. Do not place jumbo CD’s with this bank!!!!


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USAA is NOT MEMBER-ORIENTED or MEMBER-FRIENDLY. A wire transfer initiated from Navy Federal Credit Union on January 16th has STILL NOT posted/released to my account as of today, from the 2-3 business days quoted on the 16th, to the 1-3 business days quoted to me this morning, as well as. I understand weekends and a federal holiday are to be taken into account. However, a Navy Federal representative calls USAA to provide the transmittal number to the USAA representative, USAA still won't release funds. The funds have CLEARED the Federal Reserve, aka the bank clearing house. I guess USAA's greed for interest is enough to lose a member. Poor excuse of a bank and deplorable customer service. Will NOT recommend USAA to anyone for ANY of their banking, insurance or other financial needs.


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I have been a member with USAA for 19 years and up until last year we’re very pleased with USAA but boy has that changed. The latest issue is with making deposits via their mobile app. We have used this service for as long as it has been available and for reasons USAA can’t even explain, my weekly payroll deposits are being put on hold for seven days. Payroll checks! Seven days! This is inexcusable. Our accounts are always in perfect order and this is ridiculous! The resolution team is completely useless AND they wouldn’t give me a manager to talk with on the phone. I am so disappointed in USAA. I don’t know what has happened to them but they no longer care about service members and their families. This much is obvious. They also don’t care about our business because I told them if they couldn’t fix this issue then we could not keep our accounts with them but the representative couldn’t have cared less. Goodbye USAA.


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I had vehicle financed with USAA and traded it in on another. The Dealership requires a 20 day payoff for all trades. The dealer paid the note off within 13 days and therefore a refund was due for the difference. I contacted USAA referencing the refund and was informed that, by their policy, USAA has 15 Calendar days to process the refund and then another 72 hours to actually provide the refund. It makes one wonder how they can charge late fees or charge interest for such time periods by its customers.


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As much as USAA promotes serving veterans, I would NOT recommend them to a veteran, or anyone else for that matter. Reps do NOT do what they say nor when they say, and its NOT just 1 rep. VA mortgage rates are too high for being backed by the VA. Their advertised rate is for those with FICO of 740 or higher (gotta read the fine print) even though VA only requires a score of 620 or higher. I "Fired" them and took my VA loan elsewhere and am also considering taking our banking, investments, auto, renters and life insurance with them elsewhere as well - as these were already there when we applied for a VA loan. Very disappointed in their VA Mortgage dept..


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After joining USAA in 2011 everything was fine until I filed for divorce in 2018. Based on baseless claims by now ex my accounts were closed and during the divorce process, I received a total runaround. This was done to ensure my inability to obtain material facts to prosecute my case. Conveniently USAA doesn't have registered agents in each state so this way litigants are forced to hire TX-based attorneys or pray for cooperation from adversarial litigants. Ex already admitted he bought off my attorneys to ensure I got nothing from the dissolution action. Here's an ex with unreported foreign bank account, fraudulently removed my name from "USAA" mortgage and only had his own name on the house but used my finances to qualify for a better mortgage (he was denied with another mortgage company), obtained a sale of the same home without my knowledge and used USAA designated attorneys in the SC area to do his. 


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I've been a customer of USAA for seven years. I thought their auto and renters rates were amazing. The bank reps were always polite. I felt special to be a member, admittedly a sucker for their whole veteran's "members only" schtick. Who doesn't like to feel special? Now I realize the company is all about getting as much as they can from customers financially, by whatever means possible. They really don't put veterans above profits. I feel like I've been snookered by the company.


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Must say great bank to take your money but if you ever need them look out they will come after you. 2 major complaints, been member for about 20 years, last year it was Negative 50 here in MN, my car breaks down, so I figured I would call my road side assistance, yea lot of good that did, I paid for the service for years and the one time I use it I get told they cant get a provider and I would just have to wait until tomorrow, good thing you cant die stuck out in Negative 50 degree weather, oh wait yea ya can too. When I complained they call me from their corporate office and said they could not find anything showing a fail in service on their part, Guess putting my life in jeopardy is not considered a service failure, but I know this much they always took my money, and that is all that matters to them.


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Highlight of USAA issues: Original mortgage on the first home in 2007. USAA provided a home equity loan because I had put a considerable amount of money down on the purchase. After closing, USAA sold the loan off to another bank and canceled home equity loan after they devalued the home value. Applied to refinance new home back to USAA. USAA made a verbal guarantee of rates. Later discovered their paperwork says they can change any previously made agreements. The issue here is you have to pay upfront, none refundable appraisal fee. USAA controls the relationship with the appraisal, you are not allowed to higher your own. After the appraisal, they increased the loan rate and delayed moving the process forward in an attempt to charge an additional $600 fee to extend the offer. After talking to a number of directors, it was basically said this is how they operate.


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USAA is literally the worst bank ever and that is not an understatement! I have been with them 10+ years and right before the holidays they want to play "hide-a-transaction" with my account. After I made a purchase of $196.91 12/5 on 12/10 I noticed that my balance was way more than it should be so I called trying to figure out why. Well I after two calls assuring me that the money was "mine" to spend regardless of the transaction I knew existed (one guy even told me it was the Walmart fairy and said there was literally nothing he could do). I trusted them and spent the money. Well guess who was negative the next morning! 


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I’m a 37 year military and Government employee, I made an allotment from my government 401 (TSP) to USAA savings and made the mistake of using my member I.D number instead of my account number. Come to find out my member ID is the same number of an Air Force ladies account number. USAA never matched the name, social or DOB on the transfer. I notified USAA on what happened and it’s been almost 2 months of trying to get the money returned. First your member ID should never ever be the same as another person’s account number, second my other information I.E, social, DOB, address should’ve been matched and was not.


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I’ve been a member with USAA for over 10 years. Customer service has definitely changed over the most recent years. I’ve had fraud on my account and USAA calls it legitimate. I recently deposited payroll checks under $5,000 and USAA has placed a 7 day hold on the check. This is ridiculous. I have to get a loan just to pay bills! I’m definitely looking for a new bank!


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Our son had hydroplaned his vehicle and was a total loss. USAA seemed responsive and helpful initially. However, in the days proceeding that was not the case. We never spoke to our assigned claims adjuster. Instead we spoke to several other representatives that lacked quality training and information. The inadequacies and inconsistencies were continued through every call. The quality of service was poor and I was yelled at several times and given the runaround. I was promised the funds would be there and day after day there was no deposit.


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Been with USAA for 15 years. I have auto and credit cards with them. Been great up until I decided to bank with them. Opening an account with them was easy. Making my first deposit was not. I get paid bi-weekly so my direct deposit isn't going to take effect till like 3 weeks after I open an account. So I had a paper check from my job. I made a mobile deposit. Bit mistake. They put a hold on my money that I needed to live on and pay Bills for 7 days. I called and chatted repeatedl, "Can you release some of the money so I can get by?" They said, "No it is in the agreement" which I didn't know about because no one talked to me about it. Set up all online; no person interaction. No matter how much I called they said cannot help til the hold is off after the 7 days. In the mean time Bills goes unpaid and I have to borrow money just to get what little food I need to get by.


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I'm not one to post reviews, but I felt this was necessary... A few weeks ago, I learned about USAA Insurance and Banking, since I was looking to lower my premium, and interested in debt consolidation, I decided to reach out. First it was seamless, I moved my auto insurance from Geico to them, I refinanced my Auto Loan, and requested a personal loan to consolidate my credit card bills.


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I have been with USAAFSB for a very long time. I started with USAA insurance over 50 years ago and have been with the Bank for probably about the same length. Last spring the Bank totally screwed up my automatic payment for my car insurance that had been paid from my USAAFSB account for many years by first listing, without my knowledge or consent, my wife's Bank of America account, as a recipient of money from my account. My wife has absolutely nothing to do with my account. She has her own totally separate USAA insurance account as the result of a prior marriage. Neither of us has anything to do with the others account. It took me many phone calls to get that resolved. Poor customer service. I don't think some of their people are very well trained. 


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The worst customer service representatives ever, people just transfer you around and never help, the screw you out of NSF fees by not allowing hinges to come through at the right time, they don't help you if you have a claim. They don't pay you even when they have your title and car, and when they do they screw you out of at least 5000. Still on hold as I type this, no help. I am switching today. Don't waste your time or money. You will regret it.


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I was recently locked out of my accounts until I had answered a series of highly personal and offensive questions concerning my finances. No explanation given, and attempts to get one were not successful. After over 40 years with the organization, I will close my accounts. No other bank has treated me in such a disrespectful manner, and I see no reason to keep supporting this one.


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For more than 20 years my VA compensation was deposited via auto deposit in a USAA money market checking account; with the sale of these mutual funds to Victory Capital (VC) doesn't not accept auto deposits. On a 6 Nov USAA press release "members do not to take any action on their accounts", however, my last VA allotment was accepted 31 May 2019. Allotment thereafter was returned to the VA, without alerting me. I did not discover this issue until the end of September, so I've missed 4 months payments. Neither USAA nor VC contacted me. Since then my VA account has been suspended and I am trying to work though VA's process to get my benefits restarted. All VC/USAA had to do was contact me, they didn't! I even wrote a letter to MBRS ADVOCATE at USAA, did receive a phone call, all I got was a "sorry" and VC will contact you, they haven't. Still awaiting VA to restart my payments, and reimburse me for missed payments.


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I used my USAA credit card's cash advance feature to borrow money for one week while a lost check made its way to our checking account. I paid the exact amount back a week later and expected to see an interest rate charge for the 7 days that I used the cash advance. Later, I found out that my payment went towards the prior month's bill and saw that my monthly debit in full was indeed reduced by that amount. Note - I pay off my credit cards in full each month. 


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USAA has been downright awful to my family recently. As a customer with outstanding 100% on time payment history, with 6 different products over the 14 years I have been with them, they Reduced my wife's credit card limit without specific reason by more than 60% which caused great harm to our financial borrowing rating, with no changes in credit history or habits on our part. They increased our homeowner's insurance by almost double. We have never filed a claim or had a problem with our home. And after 14 years of banking they are placing holds on checks that used to clear without problem. 


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I rarely write reviews unless something is stellar or absolutely horrible. In this case, USAA's Banking is complete garbage. I've been with the company for over 9 years. Their insurance is stellar and anything I've needed on that end has been fantastic. USAA falls completely flat on the banking end. I had a card stolen and used which cleaned out my account.


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Recently I sold a car and deposited the buyers check via mobile deposit. I called the day prior and asked if a hold would be place on the check and they said only a small portion would. When I deposited the check the entire check was held for 10 days. Now I can not pay off the loan immediately like I told the buyer. I was about to leave the country and wanted to get this taken care of quickly. I called USAA to ask if they could take off the hold and put the funds towards the car loan and they said no. If this was any other bank they would have worked something out. Also I had no other options because they don't have physical banks so I couldn't just walk in with the buyer and pay of the loan in cash. I am closing my accounts and will never work with them again. They are way too inconvenient.


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Our refinance was supposed to close on the 26th of September, but it took them 2 weeks to get an appraisal on our home! It cost us an extra monthly mortgage payment and other payments as well! Everything we were supposed to send was sent on time, but waiting on their end was very irritating! I was told they were just too busy!


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I'm a retired Navy Captain and a USAA member for over 31 years. As we say here in Montana, I have always "rode for the brand" when talking up USAA. But the last several years the company seems to be set on self-imploding with the subcontracting and selling off of its services and products. USAA Bank's (Feb 2019) recent fine of $15.5 million dollars for "unfair acts and practices" in its banking division has earned it a two star rating by various national consumer groups. In its Insurance divisions, USAA no longer carries Recreational Vehicle(RV) or Watercraft(boats) insurance (subcontracted to Progressive Insurance). 


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Was trying to figure out why I was removed from one of my joint accounts as I needed to put some money in it. Was chatting online with “Deanna **” and I couldn’t believe how rude she was. She kept telling me contradicting info as to why I couldn’t access the account and she got very upset after we went in a couple circles. It was unprofessional, I finally asked if she actually worked for USAA or if this was some sort of outsourced customer service company. She snapped back again then sent 4 or 5 messages about contacting a manager unless I wanted to “keep going around the same ground on this fine Saturday afternoon.” I just left the chat with my question unanswered. Seems like hit or miss with their service reps. She even threw USAA under the bus at one point saying USAA does this and leaves people like herself on the front lines to deal with it.


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I was a USAA customer for 18 years, never had an issue with them, used them for insurance, checking. Out of nowhere they just shut down my checking account, no reason, no explanation, nothing... One representative told me they detected "business activity" another one told me "due to the agreement they aren't required to provide explanation".... So I'm not exactly sure the reason, but that was my primary spending account, and didn't even realize they closed it until I needed gas and my card didn't work so I'm stranded with no gas no card, luckily I was able to make it home on fumes and grab some cash I have laying around. But I'm still SOL until they send me my money. So while they were good for a while I gotta say at this point they get a big ** USAA.


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I have been a member of USAA for 13 years. My son and daughter were each set up with student checking accounts, promised to move over to regular checking automatically when they turned 18. My daughter is 21, never uses her account, and has $0.51 in her account, yet it is still open and active. My son is 19 and has an active account which he puts all his part-time spending money into. He started getting calls from USAA that he needed to verify his identity and provide his SS card. I adamantly told him no as I thought it was fraud and a scam. 


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Not only do I work there, but also have been a long time member prior to working there and have had nothing but bad experiences. From holding my money for no reason to rude and inconsiderate people that have no empathy and compassion since they don't have the military family experience. People that they are now hiring lack that lifestyle and don't care about the situations our members are experiencing. I've even been told by a representative, 'well, that's your fault, not mine'. Wow! I've since then switched banking to Navy Federal and still having issues with them transferring my money correctly. I hate this company and do not recommend anyone in the military or their family members to go with them. They no longer care what Integrity, and honesty stand for. Instead only to make a quick buck and hire cheap labor.


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Read online for more information about USAA PRACTICES- Fraudulent, Crooked Dealings leaving 40 yr members High and Dry on insurance claims, Depleting members' bank accounts from unconfirmed reasons and perpetrating these scams themselves that you yourself committed, freeze your accounts and collect the fraud amounts, ALL WITHOUT YOUR KNOWLEDGE AND WITHOUT GIVING YOU ANYTHING IN WRITING TO PLEAD YOUR INNOCENCE! This is highly commonplace inside this evil entity USAA, hiding itself behind its claim in supporting our freedom fighters and families. It’s happened to my family recently.


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I have been with USAA since the 70's, so a loooong time. I've always sung their praises but I'm trying to buy a house now with plenty of assets and they are making the process absolutely miserable. Stay away from them for a home loan at all costs. I've had to provide so much documentation, it is absolutely ridiculous. And this is how they treat a long-time customer. I'm a person who has never filed a claim, has always had a good credit record and they are acting like they are doing me a huge favor by thinking about lending me money for the house. Today I'm ready to pull the loan and say good-bye to the house I wanted so bad. It's not worth what they are putting me through.


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Have been banking here for over 20 years, multiple accounts, all our insurance, car loans, mortgages, etc. We had a lot of issues with USAA mortgage customer service with our last house, absolutely horrible experience but I overlooked it. I love the website and do all of my banking, bill paying, transfers, etc from USAA online banking. But, what I thought was going to be an easy request, turned into being on the phone for over 3 hours throughout the day and still not obtaining a simple car loan. I was in a hurry to obtain a loan to buy out my lease quickly. Through the website, I got approval, but the request didn't have the option of lease buy out only buying a used or new car, so going down the used car route did not generate the proper paperwork.


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I applied for a credit card that was approved immediately. Two months later the credit card was cancelled by USAA. My credit score dropped 11 points. Their reason for cancelling the card was for, "lack of identification". I sent copy of state driver's license, retired military ID and proof of residence. What hurt the most was the drop in my credit scores, 11 points! I didn't even used their credit card, zero balance at the time they closed it. I Should have read all these reviews before applying for a card with USAA.


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More than two weeks ago I was told that my son and I could get a joint account in 3 days. We are long time customers of USAA. USAA has now spent more than 2 weeks doing an ID review on my son. If they don’t want our business - tell us! Stringing us along and not keeping their end of the business deal is just wrong. My son is leaving the states next week and has no debit card thanks to USAA jerking us around so long. I called and called and called. No results. Today we walked into the local bank and had a joint checking account with a debit card on the way in a half hour. I really expected to be treated better, all my money is with this company that obviously does not value my business.


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Have had USAA for a long time. Sometimes they are helpful, but lately they have been snippy and frequently disconnect the line. Our latest problem is in collecting the most recent two months of bank statements for our savings account. They refuse to generate July’s because of the “lack of account activity,” even though there has been an interest deposit each month. NOBODY will do it, so our home loan application is at a standstill for 2+ months. Irritated is an understatement.


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USAA has been great for a lot of services, but for mortgages they are a total disaster. You can get a hold of anyone on the phone after leaving messages and they utterly ignore emails. Their escalation phone numbers that you may find reassuring on their emails and VM messages? DISCONNECTED! Seriously, I can’t warn you strong enough. Don’t bother with this. Just keep moving to find someone that will be on your squad when you go for a new loan. Everyone who is on your team during your home purchase will be frustrated by these folks. It’s not just your calls they don’t return, it's all of them. The title companies, the employers, anyone involved in the process is going to get frustrated.


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I was unemployed for several months. Finally got my first paycheck and deposited it electronically. Then USAA decided they need to verify funds and puts a hold on the deposit!?!? I tried with no avail to get the funds released early. They wouldn’t do that because my last couple of months balance average was not higher than the check amount. WELL DUH! It’s my first paycheck in a couple of months. They can verify funds for the deposit a number of way. Go through the Fed, call the bank the check is written on, etc. THANKS USAA FOR NOTHING!!!


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The online experience with USAA is a trip back in time. It's like it was too much trouble to create an online service, so, at all levels, it's just the basics. Most of the so-called services are in reality, come-ons. It's relentless. If you call to get your missing info; it will take about 15-20 mins to get to someone who has no answers not otherwise found on the website. Then it's phone tree pinball time. The people assigned to answer phones, hide behind the site and their anonymity. Why should I do business with a banker that won't tell me their name? The final insult was after just short of an hour on the phone, while trying to report suspected fraudulent use of my card, I was told they have no fraud response protocol/department/team. My only recourse was to cancel my card. Well, that's just incompetent. Like so many, just another veterans scam.


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They have great customer service and I love their attitude. I love their banking facility in San Antonio Texas. Their insurance prices cannot be beat. Their website is user-friendly and can handle any of my financial needs. I can deposit my checks online so I never have to go to an ATM or a physical bank.


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In general, I love USAA. I've been with them, using various products, for more than 25 years now. The disconnect comes in banking and investments. I asked them to remove my younger son's 529 account months ago. The rep. was more concerned about selling rental insurance and other products than in listening to me. That 529 account? It's still on my profile. I'll have to call again to get it removed. 


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USAA offers members cash back points for purchases made everyday. We appreciate the level of help and support USAA provides that has not been experienced by other online institutions. In addition, the fact that members can call in requests just simplifies transaction ease. USAA offers various incentives to its military members that other institutions and insurance agencies do not...all rolled into one transaction. This is why we have been members for over a decade! USAA has not only simplified ease of access in transacting for members, but offers greater value for remaining members that cannot be matched by other financial institutions.


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The most customer focused bank anywhere, if you are eligible as military, ex-military, or direct family member. Member owned, you are rebated for atm fees, can deposit checks and do everything online, and if you need to call customer service they answer and it works.


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I've been a customer of this bank over 30 years. I live in Puerto Rico and from here I can deposit checks, withdraw money and have up to $15.00 cash back, investment, loans, etc. Interest rate not that good but the rest of their products are excellent.


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Fantastic service, but aimed toward military personnel. Great loan servicing and auto insurance. They do have a few brick and mortar locations, but mainly near military bases. Their app is easy to use and deposit checks through. Fee rebates on ATM machines. Very friendly and excellent customer service when calling by phone.


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I recently opened a joint checking account with my fiancé because I have always had wonderful experiences with USAA in the past and was looking forward to more. But... What happened to this bank that used to be so awesome?? I often transfer funds from our Chase account to pay bills, I like the convenience of being able to do that, but WHY is MY money often put on hold for seven days?? I’m very irate today, as I NEED every dollar I transferred to cover outstanding checks. This seems so unfair. My money is MINE, therefore it should be available upon transfer just like it stated before I confirmed it. Start making your customers happy again, USAA before you start to lose them.


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My banking experience with USAA has been outstanding! No other banking institution compares (in my mind); customer service is exceptional: Their CSRs are knowledgeable, and diligent, in resolving issues/answering questions, etc.; and, because I'm on a fixed income, banking fees are non-existent! Their website/app/and fraud/security precautions are outstanding, as well; in the eight years that I've banked with USAA, negative experiences have been few and far between; even with a rare occurrence, whatever the issue, it was resolved with courtesy, consideration, and yes, even kindness; online banking with USAA is better than any brick-and-mortar financial institution that I've encountered!


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Online banking with USAA is easy. The website is easy to use once you get used to it but it does take a few times through to get the hang of modifying automatic payments. It is a matter of clicking on unidentified symbols.


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USAA has the best website and online banking is phenomenal as is their customer service. My only complaint is that they don't do business accounts so I have to have another account elsewhere and that is how I know, most other bank sites suck!


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I started to have issues with USAA as soon as I moved from Tennessee to Arizona. They blocked my card stating it was fraud when I traveled and then sent me a card without notice. A family member threw away that card before I could activate it and I also needed to change my last name due to getting married so I called in to get that fixed. The agent removed the replacement card and made me sign a bunch of paperwork to change my last name. I was told to wait 4 business days and call back - still no change on the account and when I called in an agent was able to automatically change my last name. 


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Pay bills, transfer funds, no charge for checking acct., best deal in banking. I have also savings account, IRA, investment account. Unfortunately you have to be connected to the military to belong to this bank.


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If I could give 10 stars I would. They are user friendly and professional. The friendliness of their personnel sells their bank. The products offered makes you not need another bank, or credit union. They are THE bank!


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I have been with USAA Bank for 20 years. No problems. Their security is the best. User name, password, and then a six digit code is sent to my phone. I can talk to a Real person quickly with a different code. I have also had an IRA with them since 1994.


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I think USAA is great. We not only have banking through them, but also homeowner's, life, auto, and renter's insurance through them. I personally have had my auto insurance with them for over 40 years.


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I've been with them since I was 18 and they used to be SO GOOD back then! So good! Now, they're by far the worst bank I've ever dealt with. They make Wells Fargo and Bank of America look like perfection, I'm dead serious. No bank is worse than USAA now. They'll put random holds on deposited funds and then prevent payments from happening, resulting in NSF charges and pissed off mortgage lender and HOA board. I have had enough of their nonsense with the random holds and NSF charges despite having the funds in my account. Oh, a big issue with them is they will not update the charges and payments on your bank statement daily when you look at your acct via the app. Charges won't show for days and then suddenly you overdraft?! Are you kidding me right now?


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USAA has top notch customer service where they will get the right person/dept to assist you with specific matters. They make depositing checks with my cell phone so easy! I've banked with them for over a decade and can always rely on USAA for managing my money and financing.


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I have banking with USAA over 35 years. Security concerns are a top priority with me. USAA has never failed to protect me from shady vendors, or failed transactions. I have never had to deal with over charges or inaccurate account information. I can open a car loan or another such transaction on my phone while making the transaction. Their charges are reasonable and they are always extremely courteous.


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My husband and I got a loan for a pop-up camper through USAA which was simple enough but once we went to do the walk through of the vehicle we realized the one prepared was not what we discussed. The check had already been cut with a different vin number so since we live in San Antonio we went to the main branch to find out that no one could help us in person. This is the most disappointing experience I’ve ever had at USAA. First they send you to the little cubicle to call someone in a different department then the 1st person we spoke with told us we would have to apply for a complete different loan and re-run our credit. Which wouldn’t make sense anyways because a credit report that’s been pulled is good for 90 days when everybody was the same for loan except the Vin number that was put on the check. She wasn’t willing to help us. 


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This a crazy store. You won’t believe but it’s 100% true. Back in 2015 I was hurt very bad at work, so I was placed on worker comp and started depositing check for over 2 years. Then problem with me payment for worker comp were found so they sent me a check over $17K. So I tried to deposit check (that was a big NO GO) ok after multiple call I had to give up. They would not raise deposit limit on mobile banking app (Hello you are a Bank correct?) so I was forced to go to the bank the check was drawn on. I had to account they close after I pulled money out. Crazy right. Go to another bank.


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I submitted DD214 member 1, member 4, copy of expired active duty ID card, current VA healthcare ID, promotion warrant from while I was IRR. None of this is considered acceptable proof of my military service so I can't join.


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Recently had a check bounce, was a few dollar short in checking. I knew I had my savings linked to my checking account and there was plenty to cover the cost. I then get an overdraft fee also a fee from the company who tried to cash it. So I called and they denied my accounts were linked. They have just lost a 10-year customer. I would not recommend!


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They take advantage of veterans by putting you on hold for extended periods of time. Half explain processes then blame you for the issue, and have a serious lack of customer service. Go with your local bank because these guys are just out for your money. I have also dealt with their insurance side and they denied a claim after a F0 Tornado hit our home causing 30k in damage. They stated it wasn't that much damage. Had to push it with an attorney.


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I have been a customer of USAA for a year and a half. I am getting married on July 20th of 2019. Today is the ninth. I deposited my birthday checks into USAA and they put a SEVEN day hold on them! I needed this money to pay off the ring for my new wife and called and explained this to them and they were TOTALLY unwilling to help me given the circumstances. I have NEVER done anything dishonest to USAA or given them a reason for this hold. I can understand 24 or even 48 hours but seven days on $800???? They have completely ruined my wedding and I will never forgive them for this.


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I sent a payment to my mortgage account, that is owned by a different bank, through USAA electronic bill payment program online. The money cleared from my USAA checking account on time but never made it to the other bank. That was a big chunk out of my paycheck and set me back that month considerably cause I had to make another payment in person to the other bank so I wouldn't be late. 


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We have had a bank account with USAA for many years and have been happy until today. We have multiple accounts with a significant amount of money in those accounts. I work for a company that does not offer direct deposit and have worked there for over 6 months submitting my payroll check weekly via mobile deposit with no problems. Today they put a hold on some of the funds for a week. My husband recently took a new position and his direct deposit has not been completely processed so I deposited his check through mobile deposit and USAA put the entire check on hold for a week. I called because I thought maybe it was a fluke in their system but they told me that they although they did not know why this happened, that they could not release the funds. They said that it might be because my husband's job is new but I was like well how do you explain the hold on my check? No answer.


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I have banked with USAA for 25 years. Unfortunately, their banking services are now 100% automated with no ability for customer service of just about anything. The phone support is just for them to tell you why they can't help you. They also don't really care how long you have been a member because there is nothing they can do according to them. VERY DISAPPOINTED!


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I have been with USAA for about 17 years and I started getting away from them last year because something changed (Management or something). This here tonight took the cake. They would not let me pay my wife's credit card account from my personal checking account because SHE has no signature authority on MY account that I was trying to use to pay her account. This is after she gave them permission to let me pay it. We went through all the authentication on the phone and it came down to quoting federal law that only relates to corporate and foreign accounts to punish a husband trying to take care of his legally married wife. Mark you I am the military sponsor... Every other card my wife owns I pay by via web, phone app, phone call or at Walmart from that same account that is only in my name; EXCEPT USAA card.


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USAA thinks nothing of their customers. Amazingly oh, their ATMs never work on a consistent basis. It's really amazing how terribly inconvenient this makes USAA. And the idea I thought behind ATMs was to be convenient? Time after time they do not work on a regular basis which makes you have to go all the way back and do your business the next day at the bank itself. It's truly unbelievable!


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USAA proved the best customer service in the industry when it comes to property and casualty insurance. The USAA Bank is ridiculous. When dealing with member "service" representatives from the bank, I am reminded of the scene from the Star Wars saga where Jedi master Yoda instructs Luke, "There is no try. There is only do, or not do." I tried very hard over a period of several day to resolve issues with my credit card account. All I heard from the member "service" representatives was reasons they could not handle my very simple request.


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I loved USAA. I have been a member for 25 years. I trust them with all my banking, credit cards, auto insurance, home insurance, and life insurance. That's why I'm taking the time to write this review. They let me down, big time. They instituted a national signature card review. The short story is that my daughter's account was separated from my husband and I's account, after we were expressly told that her account would not be separated from our account. After several calls with different customer service reps (could never get the same person twice, had to start over with the situation each time), we sent in a signature card that had the effect of allowing our daughter to see our account but we couldn't see her account. It was truly amazing to call back repeatedly and get terrible customer service. 


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I have just read multiple complaints similar to my complaint about USAA. It amazes me, that this company is still in business. Both of my parents now retired from the military, have banked with USAA for over 10 years. My parents opened an account for me when I was 17 and I’ve had it since then. I am now in college, so I’ve been a member for a few years now and never had any real problems. On Jun 9, 2019 I was contacted by USAA about suspicious activities/transactions being conducted on my account ($2500 check deposited into my checking, a $2500 check deposited into my savings, a $2500 USAA transfer into my checking and then four debit card transactions around Metro Atlanta). I told USAA that I had not made those transactions, being that I was in another city three hours away. They told me that they would put my account on hold and look into it and not to worry.


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I deposited $3990 into the USAA atm machine right after selling my motorcycle and the atm only gave me credit for $3390. I immediately called to dispute the transaction and was told sometimes with brand new bills the machine does not recognize all the bills and they reimbursed me the $600 difference. Then a month later they took it back, said they couldn’t locate the missing bills, wouldn’t explain to me how they went about recounting the money to see there was a discrepancy and basically told me to get bent. I would not ever recommend depositing ANY money into a USAA machine after this event. BEWARE!!!


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USAA denied our homeowner's insurance claim because according to them as best as I can understand, because I changed our deductible before we had a bad event happen. I had no possible way of knowing what was going to happen after changing our deductible. I appealed and the same adjuster who denied the claim the first time also denied my appeal. I kept pleading with USAA as I didn't know what was going to happen and I had no bad intent. The adjuster's supervisor responded online that his decision will stand. 


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I’ve been with USAA quite a few years with my checking and savings. Have used them in the past for automobile purchases. Just yesterday I applied for an automobile loan and was sent a loan estimate that had my amount, interest rate and monthly payment. It fit my budget so I’m all in now right? I hit the green button to finalize loan and guess what...BANG!! THE BIG SURPRISE!! Interest rate was doubled. Now I have a hard hit on my credit, dealership is calling for me to come pick up the car as we agreed. 


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Another horrible banking customer no service experience. After nearly 3 decades of membership I have had it. Moved to Costco for mortgage and auto loan. Will take auto insurance to Costco too, and move savings and checking to local credit union. Tried to figure out why my SS deposit suddenly has label underneath it that it is "pending direct deposit". I saw this label last month too, but after 5 clerks and 3 supervisors and nearly 1.5 hours on the phone, I gave up trying to get an answer.


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I have had several auto loans with USAA. Always been great until June 2019 declined. They could not verify my identity. Really? Just got 75,000 Dec. 2018 for new truck. All you get when you call now is ** females with a profiling attitude. Every time I call USAA that's who answers the phone and you never a positive solution. It's like they have a second agenda. No I am not racist though it could sound that way but just call USAA and see if I am right. I’m leaving USAA and going to Navy Federal Credit Union. Bye bye USAA.


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Since April, I have been trying to open a checking account with USAA. I did all of the preliminary work to become a member (I sent in my driver's license and proof of military service) and quickly started my membership. Once becoming a member, I wanted to open a checking account. When I tried to open one, the website said that I was ineligible because my military service could not be verified. I called them, and the representative that I talked to put in a front door request for my verification, and said to wait 2-3 business days. 


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It saddens me to have to write a poor review of USAA Banking. We have been members for many years and always felt valued until the last year or so when we began to experience degradation of service. Beginning in August 2018, we had an issue that could never be resolved. More than that, we could never reach anyone in their escalation office who would speak to us. 


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USAA froze all of my accounts because they said a check I deposited over two weeks ago looks suspicious. They said the check did not return and they are still waiting to see two weeks later to see if it will. What is especially frustrating is that they initially told me the hold would be released within 3 days. Meanwhile they've frozen my savings accounts and checking account including my recent direct deposit from my job. Furthermore, it now commonly takes upwards of 15 minutes to get an associate on the phone. USAA has all of the headaches of a bigger bank but with none of the conveniences such as abundant ATMs or branch offices to visit when dealing with issues such as mine.


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I banked with USAA for 3 years without too many issues. Come to find out that was because I was giving them a steady cash flow. Had some unlucky turn of events on top of going through a divorce. So my daily account balance started to decline. Since that happened they started putting holds on my checks for 2 weeks causing my auto withdraws to not clear, then charging me ISF fees. I call to see why this is happening. They tell me it's happening because I don't have a lot of money in my account. So when life gets tough USAA makes it infinitely harder. So all in all just another predatory banking system that gets to use your money freely how they want but will not give you access when you need it.


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The associate sounded very immature and I heard commotion in the background. I have been a member for almost 15 years now and got denied in less than 30 seconds. The associate seemed relieved to be done with her job. She gave no other options. ** USAA.


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I have been a USAA member in good standing for about 8 years. A month ago I deposited two money orders and the amounts were put on hold. There is no local branch office, so I could not do anything about it. I called them to find out why my amounts were held when previously my deposits have always been fully and immediately available. They had no answer. I waited a month and needed to deposit more money, so I called to find out why that had happened and what was going on. Crickets. I got some fancy e-mail saying their office is investigating, but I never have received an explanation. Previously I was able to cover any kind of issue or overdraft or whatever same day with a money order deposit from their app. Now I can't deposit anything without a week long hold.


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All three of my children have bank accounts with USAA and I have credit cards with them. Used to have car insurance but their prices just finally became way too high so I switched out. Youngest daughter opened up a savings account. They sent a form saying must have a W-9 signed. I uploaded it, faxed it, mailed it and called at least three times as kept getting letter saying it wasn't done. Rep told me the document was in hand and all was in good order on their side and that they would stop mailings. Well they did stop the mailings and then started tax withholding on account also.


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USAA is a great company in general in light of the fact that it deals with the military, and has a lot to offer as far as a variety of services. Mortgages, on the other hand, are relatively new, and since they deal with the VA, it adds another layer of communication necessities. Sometimes it is hard for the right to know what the left is doing, and because of that, the customer, is left out in the cold as far as what is going on. As they continue to work with these mortgages, I am confident they will do better.


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Was notified on a Monday that there was "suspicious activity" on our account and froze both accounts so neither my husband or I could access any of them. Called and was told within 24 hours it would be released after we verified. That Friday they were still frozen, and was told Monday it would be unlocked. Monday comes and goes with yet another phone call and was told it would be Wednesday or Thursday. We can't close our accounts because they are locked. As soon as they are released you can bet we are taking our accounts and insurance coverage somewhere else. What a joke USAA is!!


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I have been a member for 30 years. No longer, I will be ending my association with USAA. I was sent notification to upload documents for my daughter’s youth spending account. These documents included a driver's license and social security card. The day I received the notification the documents were uploaded and the website stated successfully received under review. Over 20 days later her account was closed for not providing the requested documents. I contacted USAA to find out what was going on. NO ONE could tell me where the documents I uploaded were and I was told a “security department” could view them.


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What happened to USAA? I have been a member for over 10 years and have had nothing but positive experiences until recently, which seems to be a new trend as I'm seeing on this site! I have recommended USAA to everyone! As a struggling college student, then a struggling young adult, they had ALWAYS helped me to work through any issues. My checking account has always been used for direct deposit from my jobs over the years.


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USAA is a horrible company to do business with. I have been with this company for about 30+ years and it appears to be time to withdraw all my investments and go with another financial services company for all of my needs because their level of service just keeps dropping and dropping and dropping. I have noticed this over the past 2 decades. Their service started to go down when they opened their member enrollment to military non-officers, and it just keeps getting worse, and worse, and worse. It appears to me that they are now all and only about turning a profit, rather than assisting their members with their financial needs. I used to recommend USAA to all my family and friends but my advice is to now go with another company, or companies.


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I made two mobile deposits today in the amount of $1799 total. One deposit was for $299. The other was for $1500. They released $500 total and kept the remaining $1299 on hold until 5/16/2019. I called to see if they would release all of the funds as there are things that will draft against these funds and was transferred to a senior representative charged with addressing these requests.


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Member since 1993. Grateful for the many years of superb customer service, but seems USAA’s tremendous growth has forced them to outsource. Now it feels like a below average bank. To make matters worse, rates are not as competitive as they used to be; could not match GEICO by a whopping $1,000!


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This is about the loaning department and does not reflect the people, rather the service they provide. Do not take this when considering their other services. They say personal info is taken into account of other situations when it comes to unsecured loans but that is not true. They really only use machines that automatically checks the numbers and keywords and that's it. And if you need money that bad pull an AER loan, trust me you want 0% interest. I know many young service members join but if you are young or have bad credit and would like to finance for a car or anything tough luck. You'll have to wait at least 6 months or whatever it takes to have a decent score of 660 or higher. They also are bad when it comes to financing with credit. They report whenever the machines feels like reporting. So your credit score can drop by not being updated and can update mid month. 


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I attempted to have a portion of my payroll distributed to my USAA account. I entered my member number instead of my checking or savings number. And from that mistake, my funds are seemingly lost...even though my member number is connected to my account? How is that right? They contacted me to tell me they conducted an investigation and that my funds have been deposited into an account but they cannot retrieve said funds. And to contact my employer because there is nothing they can do on their end. Absolutely the worst financial institution I've ever dealt with. Never again. Despicable.


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I have been a USAA member for many years (over 50) mostly for insurance (car, boat and home) and have observed a steady decline in service. Recently I have had to deal with the investments group. My recently deceased son signed on with USAA several years ago and made investments with them. As I have tried to settle his estate I have had to deal with the investments group. What a nightmare this has been! Picture dealing with the worst, most inefficient government bureaucracy imaginable. Every time I try to talk to this group I get transferred several times and then they don't follow through on my request. I must call back several times to complete simple transactions and of course you never get to talk to the same agent so I must go through the story again and again. It is not only annoying but also an emotional strain.


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On Wednesday I deposited 2 paychecks into my account via mobile deposit. I had a payment scheduled to come out of the same account the following day. USAA put a hold on most of the funds and hit me with an nsf fee for $29. I called to complain and find out why my paychecks had been put on hold. No reasonable explanation other than my account balance was lower than the amount of the checks and the funds would be on hold for a week. A WEEK!!! In this day and age, NOTHING should take a week to verify! I could understand if the checks were personal in nature, but I have been depositing checks from this company for a while now. Unacceptable. I am switching to Navy Federal and see if they treat their customers better.


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The other departments at USAA have been good (in my experience) but the Dispute dept and CEO office are horrible. They lie to you, they don't send notices like they should (which is part of why they got fined 12 million dollars) and they still haven't done anything to fix it. I get an email in Jan that says I'll be getting a restitution payment "in the coming months", here it is the end of April and NOTHING. They've even had the audacity to tell me over the phone they've paid other members but not me. It's laughable how horrible USAA has gotten. Even the CEO office doesn't respond when it says they will. They are liars and thieves, like most banks, but there are better banks out there. Check out Navy Federal, they have WAY better reviews! I'm switching also. :)


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Rec'd a letter dated January 3rd concerning a restitution check of $181.59 being sent to me. Well, today will make 111 days with no check in sight. In fact, Dewey, Cheatham & Howe (or Larry, Moe & Curly-take your pick) say it could take up to a year to receive anything. Meanwhile the pansy***** are intimidated to the point that I have been blocked from their FB page to voice my concerns and read those of others that have been screwed over


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I had an issue with my checking account. I used the online chat and began the process of seeking assistance around 11:00 am. I was given the runaround and then disconnected so I started the chat process again. Again I was given the runaround when I asked to speak to a supervisor. I was told all supervisors were in a meeting but someone could call me back within 24-48 hours. It’s Friday. I needed my issue resolved immediately bc I had no access to funds in my account. I left my number anyway and ended the chat and called back, thinking if I actually spoke to a live person they might help. I again asked to speak to a supervisor since I was told the first representatives are unable to help. Again I was put on hold while rep contacted a supervisor. 


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I had fraudulent activity on my credit/debit card. I was told a new card will be sent in a few days. Never received it. I had to wait 9 days without a card. No access to money whatsoever. I was told to borrow money.


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USAA was recommended to me by my brother. So I gave it a chance. Seems to be a mistake. After joining and opening a bank account I wire transferred a substantial amount of money, then during several following days, 2 small bank to bank transfers just to get some confidence. One day at noon after only 2 weeks, I opened the online access to check the status of the account. Later that SAME day, and for now 4 days, I was denied the ability to sign on with NO advance warning or explanation. All I was told after a lot of effort and nagging and phone calls on my part was that "They" wanted a copy of my driver's license, with no reason why. I sent it to them the same day. Now after 4 days, I still cannot get access to the account holding MY MONEY. They blocked me in less than one day, and will take 3 "business days" to resolve my problem. AVOID USAA.


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Their entire 'Customer Service' department seems to be motivated to avoid any sort of 'service' and to turn their customers away. Examples are too numerous to list, although I am on extended hold/transfer right now with USAA and am using this otherwise wasted time to write a scathing, but well-deserved review.


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I have been a USAA customer since 2008 and the past couple of years have been pretty lackluster. I live in the Philippines and can't use a debit card to pay all my bills like in the States so I have to withdraw everything from an ATM. I have to call every week to get my limit increased to the amount I need and I have to give the same story EVERY time even though I ask them just to put it in the notes. Eventually I got my limit increased through a request and that took over a year. When I withdraw I pay a fee of $5 from the ATM service I am using and another $5 for international fees charged by the card provider so this would leave my account negative by $20-$50 every month but my disability always covered the difference on the 1st when I am paid. 


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Customer service is absolutely the worst I've ever dealt with!!! For the past 2 months I've called and spoken with at least a dozen different reps (half of which were at the executive level) to resolve an issue caused by THEIR error and the issue is STILL NOT RESOLVED! They keep telling me a different story every time and each time, they say that the issue will be resolved in 2-3 days and "someone will call you back" to confirm. No one ever calls back and the issue is never resolved. I'm convinced they are just trying to wear me down in hopes that I'll give up and stop calling. As a veteran, I am so completely disappointed in USAA.


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I am a disabled veteran with PTSD, I have been banking with USAA since 2010. Over the past couple years because of my illness and trying to navigate the trials of the VA, I have not been financially stable. In August of 2018, I lost my job. Since that date, USAA has charged me more than $2000 in NSF or Overdraft fees. $844 of which was taken directly from a deposit of my VA disability, leaving me with less than $200 to survive on for the month, and absolutely no way to pay my bills. 


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Used USAA more than 30 years. Pleased with banking, insurance, credit cards, bereavement services, brokerage, fraud handling, etc. Their customer service has always been helpful and resolved whatever issue I have had and always asks if there is anything else with which they can help me. Our only bad experience was with a mortgage refinancing application. It seemed every time I was close to finishing the application, there would be more documents to gather. We couldn't finish the application in the allotted time and had to pay for an extension. I complained to one of the reps about the "run around" I was getting and she apologized and finally explained they were getting handed thousands of new regulations from the Obama administration each month and couldn't keep up with the constant changes. We got all the issues resolved during the extended period and have been pleased with the loan maintenance service since.


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I had fraudulent charges on my account in the amount of about $95. It’s been a month and they still won’t help me, they say the charges are valid when it’s an absolutely obvious scam from the UK. I will be leaving USAA completely after this nonsense. I will trust my money to a bank that doesn’t take care of their customers.


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We've been with USAA for years and have always had amazing customer service - every time we've called! Website is intuitive and easy to use, insurance is great - Love all their services - only wish they offered business accounts!


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USAA used to have good customer service, but that has deteriorated and USAA is now among the worst banks. USAA's mismanagement is so severe that it is under 2 separate recent orders from Federal Agencies relating to USAA's woefully inadequate customer service and management, as well as USAA charging illegal fees to customers. One case was brought by the Consumer Financial Protection Bureau, the other by the Office of the Comptroller of the Currency, and both orders are from early 2019. In one of those cases USAA had to pay millions of dollars in refunds to customers it charged illegal fees to. That is how terrible USAA's management is.


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Over forty of my 90 years I had utilized USAA, until I eventually found its auto rates were exorbitant, not veteran friendly as advertised. Then, determined to end my remaining relationship I approached USAA Banking to settle the credit card account; but my issues were ignored, no replies to emails, phone calls, or letters, just negative credit card reporting. Recently I was notified that the balance on the account was cancelled. Consistent with its poor service, USAA Banking has, nevertheless, continued negative reporting on an account which no longer exists.


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I am currently searching for another bank. USAA Federal bank has high-jacked my bank account and I cannot use it. I have spoken to the CEO's office, who promised to call me back this past Friday 3/1 and I am STILL waiting 3/5. I can't leave the house to grocery shop, because all of my money is frozen for some idiotic policy they claims is Federal. It's nonsense. I can't wait to get away from them. Further EVERY time I call there is more than a 15 minute wait time. I just called and the current wait time is 25 minutes! They're almost as bad as calling the IRS! I want nothing to do with them. My advice is that you don't either. It's too bad, I was looking forward to a long relationship with them since my mother was with them for years. And after reading all of the reviews on this site, I'm concerned about the auto and home insurance I have with them. What a pickle!


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After 14 years of having a w9 on file they said it wasn't filed correctly (which it was and I have proof) and they stole our money from savings and checking interest. They refused to refund us the money back to our account. This is very upsetting and probably a case for a class action lawsuit. The form was correct for over 14 years and interest was given up to Dec 2018 and in 2019 it is all of the sudden it is incorrect and they steal our interest. You even can't speak with a clear higher management to resolve the issue. They just call and leave messages on the machine to call the main 800 # to call back. It is absurd! I can't believe they are willing to lose a long time good client over such a small amount.


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USAA has never supported me as a disabled Vet. For one, they never refer to me with my rank like they say in their false commercials. They have never approved any loan request but I have 4 home loans through other financial institutions including a VA loan. I have over $250,000 in another bank but I was just declined for a $12,000 loan!! They are definitely the wolf in the sheep skin and could care less about veterans.


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There's a customer service reg rep who gave my asset to child support... yeah I'm putting her full name out there. Her name is Karen **. She is a disgrace to the company as well as USAA for not examining proper documents and also USAA for not overseeing... She gave ALL my assets to CSS Child Support Services not only did she do that... but the USAA under Color of Law 1983 didn't even notify me. Don't worry I'll be writing the CEO and if he doesn't respond I'll go straight to media and and write a story so compelling that USAA will go out of business. Mark my words. USAA then proceed by saying, "is there's anything I can assist you with and thank you for trusting USAA" lol...you gotta be kidding me. You give all my assets away and you want me to trust you... tip ALL Veterans stay out of this bank. I'm going to tell my friends to drop it. They used to be a legit company. I couldn't rate it a zero but this company is a zero zero zero...


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My family currently has USAA Insurance, auto loan, credit card, and has had more loans. 10 years with this company. First of all my husband was married well before the 10 years we have been with the company. I had insurance in one state and transferred it as we PC's to another, no problem. Later we PC's and transfer insurance again. Well apparently my husband's ex-wife had a charged off checking account, many years ago I assume and they refused to transfer my insurance back unless I paid for her charge off. Which was close to 400$. I knew it wasn't right.


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I have been a member for 18 years. Recently, USAA lost a $20,450 cashier check that I provided to them via UPS overnight with signature on 20 Dec 2018. The check was made out to me, which I endorsed and sent overnight to USAA Priority Bank Deposits department in San Antonio. USAA signed for and took possession on 21 Dec 2019. I sold my 2012 Truck. Sold directly to a nondealer buyer, I still owed money on the truck, called USAA to find out how to expedite the process and did EXACTLY what customer service informed me to do. After USAA signed the UPS receipt document in San Antonio for the check, USAA lost my check. Worse, spent the next 45 days yanking my chain.


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I am/was a ten year vet with USAA (insurance). Loved them so much I wanted to do banking with them. I was looking at buying another home and was determined to go through USAA. My agent(s) we’re unorganized and slightly shady on how they wanted me to word my childcare and other expenses. I let it go, mainly because the home I wanted had too many issues. I dropped everything and told USAA we can try again another time. But to be honest I had no intention of going through USAA home loan again. 


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Called the Bank from Britain and was put on hold while the customer services attempted to find out some information. This was very expensive and the services rep did not even provide the correct information!


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I have been with USAA for nearly 20 years and leaving - entirely! They used to be an organization truly committed to serving veterans and with programs and support that was competitive in the market place as well as empathetic to the conditions of military and veterans. That has changed - they are simply in it for the money now with rates that are no longer as competitive and zero understanding of veterans and their families. The level of customer service in addition to the financial package offers has declined to a level that is intolerable as a customer. Sad to see an organization fall this far. One star offered only because it was mandatory to give them one.


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I have had both a checking and savings account for a few years. I have never once been able to access either account. Both always say unavailable. The only option available to me is to add money. I've tried calling several times and never receive a callback. I tried their chat on the website and am referred back to the call center. All I want to do is close the accounts since they have proven that they are incompetent. I need to access my money to pay bills but since I can't do that, I want my money back! This is no way to treat any person, much less a VET!


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I’ve been with USAA since I turned 18, 19 years ago. Never had any issues at all, loved and raved about USAA all the time. Then in 2018, all hell broke loose! They blocked my card for groceries from a place I go every weekend. Not only that, but they froze my account AND shut down my online access. When I called the lady told me she unblocked my card and it should work. I told her that it is still getting declined. She said then it must be my Apple Pay, she didn’t know because on their end everything was fine. I had to call back 4 more times over both days on my weekend Sat and Sun and spend hours on the phone to gain access to MY MONEY.


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I had read reviews of USAA, and was disappointed with my previous bank. I initially had issues with hold they placed on funds, but continued to work with USAA, and in general terms the bank is functional until... I initially thought since the tout their military membership this would be a great bank if I moved overseas, as they would have the experience, and expertise to provide competent banking services for overseas personnel. This was my mistake. Having been overseas with others of my banks I have found I made a horrible mistake. If you change your address or phone to reflect your true physical address you have made a grave mistake. Every little banking activity comes with the price of an overseas phone call, with the traditional voice menu, of course reminding you of the website features which you have already been denied. 


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I have been with USAA for 20+ years. My spouse has their own business and we regularly mobile deposit checks and none have ever bounced. For some reason USAA will withhold a major portion of the deposit without any warning. I will admit our book balancing has not been 100% and we have overdrafted once or twice (my bad). This has really put us in a bind a number of times. I now absolutely DISTRUST USAA with our monies and will be finding a new banking institution. Previous to all of this I would have given USAA 5 stars. How is it their right to withhold MY, not theirs, money? Insurance...I’ll keep it, as it is awesome. 5 star.


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We have been with USAA for a long time and over the past year they have turned into a nightmare bank. They hold money for extended periods of time, their customer service sucks and they Rob their customers and we all are left to deal with it. They never are responsible and if you try to change banks that put roadblocks up that makes it difficult. They have stolen so much of our money. I have a settlement with them and I probably will never see it as well as them closing my accounts and holding my funds. When I tried to get my pay that was deposited from my paychecks they refuse to release the money and hold it for over 90+ days. Stay far away from this bank. They are very shady.


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I have been a USAA customer for over 10 years. I used them exclusively for checking, savings, and insurance. This past year I have gone through a lot of financial struggles and loss of income and have not been able to make a few of my insurance payments on time. USAA canceled my insurance because of a failed payment when they tried to charge me double of what I was told on the phone I would be charged. When I called and tried to explain that there must have been some miscommunication, they said there was nothing they could do. I tried to reinstate my insurance but they told me they would need the whole 6-month balance up front, which I definitely could not afford.


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About a week ago, on a Monday (Jan 8, 2019) I woke up and something told me to check my bank account with USAA. I noticed that one of my accts (my son's acct) had a $8500 deposits. This was strange to me so I asked my son about it and he had no clue about any check nor deposit. It was suspicious to me because I then saw two withdrawals; $20 and $500 that were made on Jan 7 ($20 withdrew first, deposit was made and then $500 withdrew). I called the bank's fraud and banking line as I wasn't sure what department would handle it considering the issue was multifaceted. 


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When my son and when he arrived back to his base on New Year's Day he couldn't even take a taxi back to the base because USAA left him stranded. All of a sudden his account disappeared. He has tried calling and calling was placed on hold until he finally had to hang up because he had to report to duty. This is how you treat young soldiers? He has now been dealing with this issue since his return to his permanent station and no one has helped him resolve this issue. What kind of bank are you that you would do this to young men and women of the Armed Forces? Not to mention, leaving people stranded because of your system. This needs to be fixed now! He keeps hitting a brick wall. I will move on to more drastic measures if this does not get resolved soon. Can you imagine if one of these young soldiers were deployed and this occurred to them. Someone needs to help resolve this issue immediately!


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I opened an account with USAA on December 19, 2018. About two days after opening the account, they froze access to it a couple days after opening with no reasoning. When I found out that they froze the account, I called them. It took several calls to them to find out they needed some documentation to be sent to them. So I complied. They still kept the account frozen and wanted more documents. They keep on saying it takes 2-3 days for review. Here it is January 4, 2019, still frozen then I called them again. 


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I have banked with USAA for almost 20 years. I contacted their banking office twice and spoke with two different agents about Deposit at Home to ensure that funds would be available immediately. They confirmed that their executive team would be able to ensure the funds were available and that they do it all the time. After I deposited the cashier's check, 75% of the check amount was on hold for over a week. The total check amount did not exceed my daily deposit limit. I spoke with the executive banking team and they informed me that there is nothing they could do and that the banking team provided me the incorrect information... twice. 


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USAA is using third-party people instead of their local offices to help with situations. I have been lied to. Placed on hold for over 6 hours one time, and today been on the phone with their third party people since 9:30 this morning. I have still not got any issues resolved. I've been dealing with he said she said. I'm at the point to where now I'm going to print off all my documents screenshot and file complaints with the BBB as well as the credit companies. I have every person I spoke to in every state as well as credit reports and all documentation to back up my records. This bank is horrible now!!! If an actual person who works at USAA in the San Antonio office would like to reach out to me to help with this matter I would greatly appreciate it.


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Tried to Increase the limit on my USAA Secured Platinum VISA I had initially set 2 months ago at $1K to $2K. But despite the fact one of the chief reasons I chose this card was that USAA advertised I could increase my limit by putting more security down at any time or interval up to $5K, was just told that my limit could not be increased, per policy that was adopted on the day I signed up, leaving my family and I in a giant holiday travel conundrum. Not cool USAA!


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We have been posting a check to our USAA account monthly to cover a loan payment through that account. Suddenly, USAA decides to hold part of the check. Nothing changed with our usage of the account (no overdrafts, etc). When we called, we kept getting excuses that made no sense. They finally said that they have an algorithm that withholds money from deposits to ensure a stable daily balance for the bank. In other words, it randomly chooses to withhold money from deposits to cover its own loans and investments. USAA apparently steals customer money to make money for itself. We are closing our accounts and using a bank that does not steal or cheat customers.


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I have been a member of USAA for 16 years. For the past 2 years I transfer money from my Bank of America account into my USAA checking account every 2 weeks of approx $1,200. The beginning of November I had an accident and I was out of work. By the time I got my short term disability check I definitely needed it cashed. I tried to do mobile deposit to USAA but they were going to put a hold on it. I canceled the deposit and put it in Bank of America because there was no hold (mobile banking). So as always I transferred $1200 to USAA, with no warning, they put a hold on the instant transfer from Bank of America for over a week. 


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I opened this account to replace an old account with a very small bank. I made a few transfers from the old one to here with no problem. When I had to pay my rent I transferred $725. They put $525 on hold for 7 days. My complex charges $75 on the 2nd of the month then $10 each day after that. I'm now at $165 in late fees! Because they wouldn't pay the rent when it came through. They charged me am NSF for $29!!! I will NEVER bank here again.


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I have been with Navy Federal since 2010. Never once have my checking account been locked. I recently opened a checking account with USAA and learned that my checking account was locked because of a verification document they needed that the agent never asked me for when my check card was being mailed to me. As soon as I received the email from them requesting the document, I uploaded it to their web page. Later that same day I called USAA to speak to an auto insurance agent about my bill and the agent informed me that she could not speak to me because my account was locked. 


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Well I been with USAA for 3 years now. I have 3 checking account over the years. I also have saving account with them. Well a few place back in Hawaii was hacked and I used my debit card there. So called them and told them what happen. Well they blocked the card. In case of any fraudulent happen they couldn’t use my card. They are always asking, "Is there anything else I can help you with."


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So this my last straw with this bank! I wouldn’t give this bank any stars if possible! I wrote a check for my rent and water bill. They had returned it. My daughter came in from out of town. She tried to CashApp the money into the account and was returned back to her for Verification reasons. So I deposited $200 because she had used the card when she was here. Note there is no local anything to deposit money, Nor does anyone tell you that the first $200 you deposit is available and the remaining balance is put on hold for 7 days! Didn’t realize that until I did a mobile Deposit. She gave me another $250 before she left. Called the bank, got the first NSF refunded because of the CashApp issue. Then was transferred to see if I could get the $50 released. This was a money order I deposited, So it’s basically cash.


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They set your daily check cashing limit to $10,000. Cool, normally no biggie. But I have a check for over that amount that I need cashed ASAP and there is not 1 location in all of Oregon that I can go and cash this check. They would not increase my limit (even temporarily) to allow me to cash this check. The only option is to mail it. They wouldn't even send me a label to safely overnight it to them. Horrible customer service!! We will be finding a bank where you can actually cash checks. Or at least offer to email you a UPS label so you don't have to pay for that yourself. That would have shown proper customer service. Very disappointed.


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My son-in-law and daughter recently moved to New York to stay with a friend while trying to get on their feet. They did not have a checking account, so they opened one with USAA. They had to deposit $25 from a card to open the account. Their friend let them use his card to do that. In the meantime, I sent my daughter $50 to help with groceries and diapers for my grandson. USAA won't activate their account because they do not have proof of residency (remember living with a friend). 


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I deposited 2 Cashier Checks into my account. Each time after they cleared USAA comes back with a problem and the take the funds and locked my accounts and then charge me for the money used. They have broken several laws in the State of Virginia which states that regardless of the outcome with the check being rejected as long as the check has not been altered and they deposited my option is to sue USAA for this act.


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I applied to USAA for a mortgage loan in 2018. I have used my VA certificate and obtained mortgage loans three times prior to USAA. All my mortgage loans were processed professionally and without undue stress. Then comes my USAA experience with their mortgage product. I’ve been with USAA over 30 years. My experience with this company was stressful, frustrating and unpleasant. After numerous phone calls and providing a great deal of information, I finally was relieved to have a ratified contract on a property. The loan officer who processed my loan declared at the end stages of the application that the contracted property was not a VA approved property. She failed to check the property address before wasting hours of my time. Not only did the entire process halt, but she declared I would have to start everything OVER again including a new application and credit check!!! 


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USAA has done this so many times where they charge me a crazy amount for insurance. I’m being charge 510 dollars for one vehicle!!! Then they did this before without notifying and it’s hell to set up the automatic payment. I try every damn month for the savings in insurance and yet it seems like it doesn’t work then I miss a payment so I see I missed one payment and should not owe them 510 dollars!!! I’m sick of USAA. They’re a fraud company and not for the military. They steal your money! Beware. 


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I have been with USAA for over 11 years now and I have never had a problem up until now. Less than a week ago my account was hacked. USAA failed at protecting my account and personal information. As a result a new card was ordered to Chicago, which I live in Kentucky let that be known. USAA did not notify me of this action at all. Along with the new card being sent to Chicago there was several deposits made into my account and withdrawn almost immediately totaling $14,000. This happened in Chicago - again I live in Kentucky. 


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I want to rate USAA as less than one star unfortunately that is not an option here. We all see the commercials on how USAA supposedly cares for their clients. This is true up until the point that you are a victim of fraud which happened in my wife and I’s case. The bank suddenly did a complete 180 and turned accusatory to us, the victims and were completely unhelpful throughout the process. No offering of working together for a solution, only accusations that the fraud must clearly have been our fault and that we would have to bear the consequences. None of their departments communicate with one another which ends up that victims of fraud will be sent in an endless cycle of getting nothing accomplished and having the fault thrown at them. 


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Honestly, I knew better. I read the reviews and figured surely these are just angry unqualified people, I am perfectly qualified. All should go smoothly. WRONGGG. DO NOT USE USAA. They were nowhere to be found throughout the entire process. After weeks of BEGGING THEM to take documents I KNEW they would need and them saying they didn't need them yet, they had the audacity to ask to extend my close date out two weeks. The seller was displeased but agreed, still, it seemed nothing was being accomplished, no appraisal order, nothing. 5 days after making me move out my close date they DENIED MY LOAN for credit history, I have NO DEBT and over a 700 credit score.


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I transferred money from my local bank to my USAA checking account as I have been doing for years. The funds have always been available immediately. But this time, there was a hold placed on the funds. This had never happened before--the amount was an amount I have transferred frequently in the past. Once I realized I would have to wait a while to use my money, I transferred it back to my local bank. USAA promptly charged me an NSF fee because of the hold, even though I transferred the money back. The reason I am giving my experience two stars instead of one is because the representative I chatted with refunded the charge "as a courtesy."


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On Sept 28, 2018, I logged on USAA to download a Proof of Auto Insurance for our new car. I noticed a withdrawal of $603.'s had been made on our Savings Account. I called USAA--Banking at once and learned someone had requested a Debit Card in my name and the card had been mailed to Oklahoma City. (We have never had a Debit Card nor have we ever requested a Debit Card for our Savings Account and we don't live in Oklahoma.) I was transferred to Fraud and made my report and changed all the security codes.


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I have looked at other reviews for USAA and I am really bummed that they did not have positive experiences. My husband is a vet and we signed up for USAA in 2011. Initially we just had vehicle insurance (the best price in our area by far) and then started using them for banking and homeowner’s insurance. The customer service has always been fantastic, even when I am pretty grouchy with them. Our homeowner's insurance is $44 a month...FAR lower than any quotes we had been given, and our vehicle insurance is fantastic, had to use roadside assistance many, many times and they have been fantastic!! We were stuck on a remote logging road and they were able to get a tow truck up there and out truck out, at 2am! I recently got rear ended and my adjuster has been amazing and helping me deal with the other insurance who are not very great.


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I have been a member of USAA for many years. My father served in the military for 34 years. Im a military contractor overseas and I cant get any help from no one at USAA!!! My mother passed away on July 11th. I flew home from Iraq, Thank you Military and Red Cross, just to take my mom off life support. I only had a short time at home but tried to get things taken care of. USAA Was The Worst!!! So my Mom had bought a truck for me thru USAA. We called on the phone and did the loan over the phone. The rep forgot to put in death protection. I have tried over and over to have them bring up the calls. They said they were ERASED. Well I thought phone calls were kept for a year at least. 


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Applied for a loan with USAA to refinance our home. Arthur ** (senior real estate processor) and Lohendy ** (mtg processor) the two most unprofessional people we have dealt with. We sent every bit of information and paperwork they asked for in a timely manner even though at the bottom of each email from Arthur he stated if not received by such a date and time the loan would be canceled. Like it was a constant threat. Almost always it was within 24 hours or less. We had a glitch - they said we could not have the house in the trust the way it was - we asked what they wanted changed. (Our lawyer was going to change it to how they wanted it worded.) Arthur said he would ask his boss what we needed to do.


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Im done with USAA. I have been a member for a few years now and they have just "lost me as a member for life"! I have closed my checking, savings, an IRA and all my auto insurance because USAA is not trustworthy. NOW I am now getting ready to roll the rest of my annuity and my spouses annuity out of their hands for the same reason, incompetence. They kicked my retirement account around like a piece of dirt and it wont happen again. A week and a half after I requested a withdrawal from an IRA I still have received NOTHING NOTHING NOTHING!!! 


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You have to expect sometimes of encountering someone who may be having a bad day and takes it out on you by being short or unwilling to help entirely. I have met with that type of situation only a couple of times dealing with USAA. Today, Narhonsha took fantastic care of me as has been the general rhythm of my experiences with this bank. The insurance portion could use some tweaking. Narhonsha was incredible in the fact she looked at past issues in depth and was able to assist me positively. Don’t put a check mark in the terrible column until you have dealt with different reps and rate this bank based on them as a unit. I still love this bank immensely after many encounters over 5 years. Give them a chance to remedy your problem by talking to a few reps and not based on one encounter.


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I’m a 29 year member of USAA but only recently (a couple years ago) started using USAA products. I paid my credit card balance in full. I had also returned an item to a vendor and received the refund back into the credit card account. I was told by USAA that they put a hold of 10 days on credit refunds. The amount wasn’t that large so I can wait but I think this is a little strange. Given this experience and all the negative reviews I’ve been reading concerning holds placed on funds by USAA, I will stop entertaining ideas about opening up any other accounts with USAA including banking and car insurance.


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Want a mortgage loan from USAA? Be prepared to be asked the same questions repeatedly by different loan officers; the first one will ask you to complete an application, provide proof of income, credit check. Done? Not yet. Another loan officer will ask you the same questions and more, even request the same documents; because one office is in Texas, the other is in Florida -- they don't communicate. Can't reach anyone on the phone to speak with as they don't work full weeks (probably part time contractors) as USAA seems to be trending toward having other companies service the loans after they set it up. 


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They refuse to accept mortgage payments to force me into foreclosure then rush to court for a judgement against me while I was in the Hospital following lung infection & brain surgery for another infection that left me unable walk or stand without help. Also I could barely talk but it didn't stop them from harassing me while I lay in my hospital bed. For which my doctors think I might have also had some kind of stroke. They also paid someone to terrorize me and vandalize my home to scare me off as well as potential buyers or other mortgage companies to block them from refinancing my home by claiming my home was in foreclosure and default of loan when it wasn't.


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USAA determines holds on personal bank account systematically. Meaning, a human doesn’t look at your account to determine if a check should be available. They rely solely on a lifeless system to make choices. This bank is not for the people but for profit only. I’ve never in my banking life had a check on hold for 7 days. At most, 2-3 days because it was a large check. The check I deposited with USAA was from the Treasury department for the State of Kentucky. I was employed by the state for 4 years up until recently switching jobs so a paper check was sent. I’ve never had a bad check deposited or fraudulent activities. 


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I could not get a Executive Resolution Team member to tell me why there was a hold on funds. She instead spent the entire time quoting the customer service agreement and federal bank regulations to me. It was on par with a fly-by-night operation!


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Today I called USAA and asked for internet. The two individuals to whom I spoke (I had to call twice) did not know how to correct the problem of their putting the wrong username when I would connect. They placed a # sign instead of an !. I checked my account and it was correct. The man to whom I spoke said I should contact a company who works with fixing my browser. There is no problem with my browser. So I called the third employee and asked for the Complaint Department. I was passed on to the Insurance Dept. The gal who answered it tried hard to help, but in the end I fixed it myself. Years ago we left USAA, and put our money elsewhere. 


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This bank is a joke! Never, ever bank with USAA. If you're in the military, go to NFCU! It took $323.84 from me unauthorized; when I got my money back, it took it again! It's a long history of mistransferred calls, disconnects, having to re-explain myself multiple x, and misinformation. Do not bank here!!


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This company gives the appearance they are a military friendly company: they are actually con-artists. They don't have any brick and mortar facilities, so all of those operating cost don't exist. Instead, they put the inconveniences of not having a physical bank to walk into to conduct business in back on the customer. This is a burden, and in most cases manageable, but when/if a problem arises from not having a physical bank (i.e. a egregious fee imposed for pulling out cash from a 'partner bank') they are unbending. Complete lack of understanding and respect for my time and service. I do not recommend.


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A few months ago I called USAA to ask if I can sponsor my mother for membership. They said yes that's not a problem. My mother got very excited and wanted to invest with USAA as well. So we set her up a membership. But bam, nope shes not eligible due to her state. Wow... USAA does allow parents to be sponsored by their veteran kids just not where she lives. That is ridiculous, my mother took care of my kids, financial stuff, payments for things, every issue that arises here while I was deployed. That to me is service enough. She served the veteran while her veteran served this country. Wow. This bank has really disappointed me and my family, thinking about closing all my accounts and going to a different bank. My mother's service is adequate to me, is honorable to me, is highly respected by the military branches and to say otherwise is a disgrace to me.


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I was assigned an adjuster. When I looked the person up they went to jail in Florida for theft of thousands of dollars. If USAA is willing to be this careless in their judgement of people, then they shouldn't call themselves a bank. It's a JOKE! I am afraid she might write false checks from my claim and keep for her own personal use.


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My account recently got restricted, when I called USAA they informed me that my account is closed due to fraud and my funds will not be given back to me, no other explanation was given and I was told not to call them back. I have been a member since 2005 and it is just ridiculous they can't even give an explanation of the reason why the account was flagged as a fraud.


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On 30 July a vendor received a web bill pay check from USAA via me. She deposited it via mobile deposit and was told that funds were available immediately. The check was returned by her bank as USAA my bank left a digit out of my account number!!! It caused a cascading effect on her account and she bounced 4 checks. Overdraft fees of $36 a piece which is outrageous were charged. I called USAA and was on the phone for over 4 hours so far trying to get this woman her money back. Even a person on the Executive fix it team couldn't help. It has now been three days and no money. It was the fault of USAA clearly and they acknowledge that. Still nothing!


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They can't even take care of an unauthorized transaction, anything that gets charged to your account if it's something you have no clue about or didn't authorize you have to eat it. The phone support is a joke and I have to get a money order to deposit any money. This was a mistake. I'm going back to Chase. At least the screw job I get from them isn't as painful.


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I have lived thru USAA getting my cards hacked (at their processor) twice, and a few other misdeeds, But this one got to me... Been a member for years... They decided I needed to fill out electronic signature cards months ago... I filled out the cards I believed I was supposed to. As it turns out, I only filled out Checking, not realizing the ones they sent me later were separately for savings. The way they solved the problem, was right after they sent me my electronic notice of the $ in my savings acct on June 30th, they closed out my acct., and mailed "a check" to an old address I no longer live at, AND didn't send me any electronic notice or alert (which I am signed up for). I discovered it a couple days ago, when I happened to check my acct., and saw NO Savings acct. listed. 


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This bank is a joke. They are not competent and they do not care about Veterans, I had over $2000 fraud charges. They issued a credit then two months later they removed the credit and said the charges was authorized which caused me financial hardship. They would not return my calls and I ask for proof I authorized the charges they would not provide any information. I would not recommend this bank to anyone. They do nothing to protect their clients from fraud and your money is not really insured. It's just part of the slogan.


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USAA believes that someone that paid late once on their home equity loans once, July 2014, while not able to receive communications due to chemotherapy should have it on their credit report for 7 years, the same as if I had defaulted on the loans. Never late, loans are paid in full, and they still will not remove it from my credit report because it was not in error. If you cannot take a personal approach in banking and forgive one month out of 119 other months being paid early or on time you are not a good bank. I will remove all my business from them. I will no longer ever recommend them to anyone. They completely understand says David ** who works in conjunction with the CEO's office on complaints but no exceptions are ever made. It will remain on my credit report for 7 years. It is the only negative thing on my report and I just turned 60 if that gives you an idea of how I pay my bills and how USAA treats their customers. I will find new providers for all my needs.


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Absolutely awful experience with USAA and their ability to manage security. Our accounts have been broken into 6 times over the past 2 years. We have set up the maximum security possible with them and this continues to happen. They allow inbound callers the ability to change our passwords and add emails all without our text confirmation code. Inside job for sure. Very disappointing that their security team cannot resolve.


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I took two checks issued by USAA to the main bank off of I-10 in San Antonio and the USAA teller, and then her manager both refused to cash them. It is pathetic when a bank refuses to cash checks it issued and says a good deal about the incompetence, lack of professionalism and lack of fiscal integrity displayed by USAA on a daily basis.


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I have used USAA because I thought that they were veteran friendly and all about service to our country. I was taken for a fool! Not only do they not care about men and women in the service, veterans, but 100% disabled veterans like me get the worst treatment. Lol. I don’t have the money to pay back over $1,350 in fraud charges that USAA promised to cover! A bunch of thieves!!!


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Opened new checking and savings accounts in March 2018. USAA requested IRS Form and additional ID proof. I complied with both requests. Unable to access my accounts after calling daily, hours on hold still cannot get access. Requests to resend same forms 3 times so far. Complied and advised accounts still blocked. I have met every request, spoken to numerous agents of bank. I am a retired government employee, no reason for this inability to just close my accounts get my funds returned and put USAA in my rear view mirror. I opened an account at a local bank with no problems yet USAA continues to obstruct my refund request. Tomorrow I plan another 60 minutes on hold while another operator tells me there is no reason why I cannot access my money but I am still blocked and they will get back to me with in 24 hours. Customer service is terrible. What a mess due to USAA incompetence. I won't give up...


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I've been using USAA for getting a VA home loan and it has been painfully slow. I was qualified for a loan and then after buying the home I found out I had to take a longer term mortgage because I wasn't qualified for the original price. Furthermore, I have had to bug them about doing every little thing. They should be the ones bugging me about getting stuff done not the other way around. Would not recommend for mortgage.


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USAA Banking reps are very helpful and quick to reply or respond by calling. I feel appreciated and been giving opportunities to grow financially and with all the benefits on discounts.


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I have always received great customer service from this bank until my last deployment where I had to get renters insurance for my apartment. They are suppose to understand the military yet they kept changing my home of residence to my deployment location. When I had to cancel my renter's insurance because my deployment was over early, I was told they did not give refunds based on a cancellation of the policy. Later I found out this was not true, but never got a refund for the time I was not living there and I was back home.


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After 29 years with USAA I will be closing as many of my accounts as possible tomorrow. These accounts include checking, savings, mutual funds, an IRA, a mortgage loan, homeowners insurance and car insurance. The quality of their Customer Service is so poor that I no longer have any confidence in them. I could write about a number of incidences that have occurred over the last 6 years but the latest took the cake and I’m done with them. The fact that all business is conducted on the phone and you can never talk to the same person when you call back and no documentation of your conversations is sent to you puts you at risk and I believe that’s their intent. I haven’t ever been able to solve a problem with them with one call. No more banks for me. I already have a local credit union account and that’s where I’ll be banking from now on.


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We have been USAA customers for a few years now, and generally things work well, with the exception of one HUGE problem. Anytime I deposit a check, it is held. I am not talking about a personal check, these are checks from another institution, for example a rollover payout from a 401K. They claim they have to 'hold' the funds for five days. It's 2018, and I am sure that funds can be verified faster than that. I agree with another reviewer that they are holding my money to gain the interest. This is the second time this has been done, and makes me wish we had never left our old credit union, who credited funds immediately. We are in the process of moving to a new city, and you can guarantee, as soon as we get settled, we'll be leaving USAA.


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I have a checking and savings with them and I opened both accounts in 2006. It is an online bank for military and their family members. Customer Service has always been friendly and pleasant and I have not had a problem they were not able to help me. I withdrawal from on any ATM and reimbursed for any bank fees. You can also use them for insurance.


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We have been members of USAA since 1975 and have used their banking facilities and other areas of the company thru today. We have been pleased with their support and their being pro-security in all that they do.


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The service is horrible. I still haven't received my secured credit card and my checking account debit cards. I called customer service and they said they just mailed the secured yesterday. This is 10 days after they already pull the $250 secured deposit out of my Chase Bank checking account. They are very slow at processing things. My Chase Bank debit card was in my hand from the mail 2 days after I opened it. They have very little ATMs in the area too.


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Literally the only things we liked about getting process through USA was the pre-approval part. The lady that was in charge of our loan was very helpful. She did everything she could to get us approved for the highest amount until we got our house and we tried to get the loan approved. In the beginning we are already approved. The house we liked was actually $15,000 under our budget so we thought it would be no problem and fortunately however they needed so much paperwork to verify and I kept sending everything and they still were saying, "No. You need to put more money down" so we decided okay we'll put more money down.


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No branch locations, no ATMs, you can deposit a payroll check and they will hold 75% of your money for up to 12 days, nothing you can do about it. Flat broke, no money to eat, buy gas, or pay a bill but you can stare at that hold amount that literally no one at USAA can seem to help you with. Their suggestion; "Can you borrow money from a friend or family member?" Thanks USAA.


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I used to be a faithful member of USAA – I had just moved across the country and was prepared to mortgage my next home with them. Things became concerning when between the pre-approval and the actual loan origination the rate increased by 0.50%, which adds up. I asked for a rate concession and was told no, so I decided to shop elsewhere. I got the lower rate standard, elsewhere. I was not too disgruntled so when I was shopping insurance on my new home I gave USAA a shot at my business. I work next to a USAA building in Tampa, reasonably I figured they would be able to provide homeowners’ insurance no problem. Nope, per their response, due to sinkhole possibilities in the area prevents them from offering homeowners insurance.


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After being a customer of 23 years, I was verbally offered not once, but twice, to use a convenience check as part of a 6-month interest-free offer. When I saw they were charging interest I complained and they said will check the recording. That turned out to be another of three inaccurate statements, also counting when they recently did a credit check for nothing as I did not request a higher limit, which hurt my score.


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I’ve been a USAA member for 22 years and had generally been happy with USAA. However, USAA has recently exhibited mind-boggling incompetence which resulted in all my accounts being closed due to USAA’s error. One day last year, without warning or explanation, I got a letter in the mail from USAA saying that it was closing all of my accounts in 30 days. Figuring this must be a mistake, I called USAA customer service to ask what was going on. I was told that USAA had decided to stop doing business with me, that the decision is final, and that no reason would be given to me. This meant that my children’s college accounts would be closed, my wife’s and my retirement accounts would be closed, and our checking account and credit card would be closed. I pleaded to customer service supervisors for an explanation, knowing this must be a mistake, but they said they did not have access to the reason for the decision.


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We filed a dispute on our debit card for a purchase through an organization that misrepresented themselves to us, as well as many others. When we became aware that the company misrepresented their product to us, 4 business days after purchase we decided to take action. We tried to fight the company itself but we got transferred around, promised things that never happened and ultimately the company blocked us from calling them. We contacted USAA, our primary financial institution and disputed the $4k through them for deceptive practices against this company. We have been fighting USAA since November and they refuse to reverse the charge and help us recover our money. We have no recourse right now. The bank is refusing to help, the company isn't taking our calls and we are out the $4k. My husband and I both served our country and this is how they treat us?


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They love to rip off military members, they will charge you fees then when it's found to be their mistake, they start holding your funds. I have been with this bank for over 10 years and have the same amount deposited on the same day every month, it is a complete rip off and scam to hold people's funds, knowing they have automatic payments set up and then have the nerve to charge them a fee, because they are holding the money that pays the bill for NO reason. I am leaving this bank asap!


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I have been a USAA customer for years. I had auto, life and renter's insurance with them, and checking and savings accounts. I recently canceled all three insurance policies because their rates were significantly higher than other companies' rates - if many of your customers are veterans and you claim to be proud to serve them, why would you do this?


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USAA FSB has three strikes within the relationship between USAA and myself. First strike was a mortgage refinance - they drag their feet and lost the lock in rate. They wanted me to pay $$$$ to lock in at another rate. Made no sense - and throughout the process the amount of people we had to deal with was unreal. Very unprofessional and the worst experience I've ever had trying to obtain a mortgage. We canceled the refinance and I simply paid off the note. Second strike - I have an RV loan with USAA. 


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I have been dealing with USAA for a few years and up till recently I have been satisfied. Lately the service has gone way down and there is no customer service worth anything. I started a new job and now my checks can be put on hold because they are not direct deposit at the bank's choice. I am afraid to deposit any amount of money into my account due to not having access to it right away. I will keep my account open just for my insurance payments and car loan payments. Other than that USAA is not any value to me. USAA cannot guarantee that my funds will not be put on hold and how much will be on hold till AFTER I deposit the check! No way is that happening! I would think twice about doing any business with USAA and do as I did and go to a local bank or credit union and do your business. I would give them a -10 but it will not go that low. RUN FROM THESE PEOPLE!!!


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We have been customers of USAA for over 10 years. In the last 2 we have had instances where they took advantage of us. Most recently they said that funds were not in our account when they clearly were and they held my rent check for almost a week and then charged us a 29.00 fee resulting in the check being returned. I even spoke to an agent on the phone and she ensured me that it would all clear up. This was the absolute last straw. We are in the process of switching to Navy Federal.


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I’m a 20+ year customer and realized after my motor vehicle accident this company was only good until I needed them. The USAA claims process has failed me. It’s been over half a year since my accident and I’m still not back in my car. The adjuster actually just told me my vehicle would not be totaled out because the repair cost wasn’t close to the value. In what world is $27,975.00 not close to $33,000.00? I guess if you don’t add in the $6,000 in rental car fees these six months or the current costs that the second collision company will charge for the new seatbelt and fixing the constant rattling noises, labor, oh and the dealership charges for making sure the repairs were done correctly.


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If I could, I would give them 0 stars! My husband is an Army vet and we have had our account with USAA for a few years. When we were using this account as our spending account, things were great! Now that we starting paying bills from this account, things have dramatically gone downhill! Changing banks is never easy. I began transferring funds from our Bank of America account to USAA to start paying bills from our USAA account. I transferred the funds and scheduled payments to 3 bills to be paid the next business day. When I did the funds transfer, the system said the funds would be immediately available. The next day, I check my account and there are 3 NSF fees at $29 a pop and 3 bills returned unpaid! I call USAA to find out what happened. The customer service rep was unable to provide an explanation so he refunded the NSF fees and had me reschedule the payments. 


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USAA offers great financial tools as well as insurance, however where they egregiously fall short is banking customer service as they pertain to military service/disabled combat vets (me). For 20 yrs things were status quo, until after my deployment; I called to reconcile issues from that deployment with them when I was met with Christine (customer service "specialist") who accused me of being a fraudulent criminal for a so called charge on an account that I had thought I closed. I was unaware of the charge and Christine told me it was from a check I wrote. I knew it was incorrect because I never wrote any checks from that account... Long story short the call became adversarial and I had to strongly request a new rep. The new rep and I figured things out and found it a charge that went through unknowingly to me.


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Thirty plus years ago, when my husband was new to the Air Force and we were a young, naive couple, USAA gave us a chance when no other large company would. We insured our one vehicle. We were given a credit card with $1000 limit to allow us to build a credit score. Now, all of this time later, when there are advertisements everywhere on TV and the company has significantly grown, all decisions are made based on "automatic systems" and not on individuals. A year and a half ago, our USAA account was hacked. We eventually received our money back and tightened security on our account.


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This bank is the worst!! Bunch of incompetent idiots. I was told that I was a victim of “skimming” after being charged almost $500 for a charge I didn’t make. It has been over 6 days and have not gotten my money back into my checking account. Ruined my kids Xmas! Run from this bank! I am tired of being lied to and misled by them. Filed a complaint with the BBB. Will also be contacting visa and an attorney as well as closing every account my family has with this “bank”. Gimme back my money USAA!!


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I recently made an online purchase with a company named Rural King, don’t buy from them, I purchased a propane heater & they sent the wrong one and refused to replace it. I contacted USAA to dispute the charge. It has now been 12 days and I still haven’t heard from them. I’m a disabled vet who lives on disability and they could care less that a vendor stole my money and I can’t heat my house properly.


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Unfortunately I’m aware now that USAA is authorized to withhold cash in a family’s checking and savings accounts for undetermined amount of time. That’s right. All accounts and for as long as they like...and they can do this by just putting the account or accounts in “review” status. So why am I writing this? Because I can’t believe I’ve done business with since 1981 did it! My fiancée, her son at the Naval Academy and her other son also in College at UNF in Jacksonville Fl. All their accounts were locked without notice 6 days ago Dec 14th and unlocked today after 4 days on the phone with several departments including 1-800-USAA general, Fraud, Executive Resolution Team and several failed attempts to reach the Financial Crimes Department, whom we were told locked the account and were not available to comment or provide information why.


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I recall having a small amount left over in my account, after being told that my account was closed, I then said to myself, "maybe a computer glitch things happen." I decided to give USAA a second chance, I was then told by one of the online banking person if I was to wire money to the account they would reopen my account and it will show up on Monday seeing that I was wiring the funds on Friday, I waiting till Monday to give them a call to check and see if the account was active, with all my time and effort, they had rejected the wire and funds from going into the account. When ask how come it did not go in, then I was told that I would have to reopen a NEW ACCOUNT. I recommend that all military personnel go with Navy Federal, this bank is surely not a good bank that will support the military or any other Government agency. I give it the 3 Ps. Piss Poor Performance.


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They were reliable, even if a little pricey. They made the deadline and did not let me down at any point. They called to make sure everything was going according to plan and let me know everything I needed for the entire process.


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I transferred 3000.00 into savings from another bank account linked to my USAA account followed by a 2000.00 transfer into my checking account. Now a week later my money is still not available. When I called them they said there is nothing they can do even though my other bank says the funds have been transferred on the same day transfers were made. USAA is holding the funds for 10 days drawing interest and preventing me from buying x-mas gifts for my child and family. They are a terrible bank. I do not recommend them...


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Paid account on a direct debit that cleared as day of transaction. Refused to take any action on account for 14 days. Held up purchase of home with potential loss of property and earnest money. No way to run a banking operation.


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After being a customer for over 10 years they have decided to cancel my bank account with no warning or explanation of why. How this all came about is I lost my atm card, I requested a new one. After receiving the new one I tried to activate it. After being on hold for 20-30 minutes I was told I no longer have an account. I flipped out because I had account with a positive balance and now they are telling me I don’t. They stated if I have a positive balance they will send a check in 30-45 days. So you can imagine how upset someone would be if this was their main form of banking and now you have to wait 30-45 days to get your money. I am not talking about 100-200 dollars, I am talking about over 50,000. This company is discriminatory against anyone with a history and it’s not right.


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USAA Federal is a great place for lending whether it be auto loan or mortgage. The service is fantastic and the rates are more than competitive. Highly recommend.


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My father has been with this bank for years, I opened an account with them and it's been hell ever since. I transferred money to my account when I opened it, a week later I received an email stating that they needed a copy of my DL, a copy of my SS card and verification of my address. They also locked me out of my account until they received the documents. I sent it in and never heard back from anyone. I decided to call them to see if they received everything. They told me yes but they needed my documents to be in color and they needed a back copy of my DL and my SS card which the email never indicated that. Mind you all my documents were readable, so finally a supervisor came on and said that she didn't know why they told me that my documents had to be in color. So she told me to just send in proof of my address like a lease. So I did that. 


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I have been a customer of USAA for about 12 years and never have I been treated so poorly. They closed my checking account citing that I was using it for business purposes and they don't have business checking accounts. I received a letter regarding this issue about a month ago and I called them immediately and was told my account was flagged due to my Paypal business account being linked and transactions that were made. I explained that this has always been the case and was never an issue before. I further explained that my checking account was for personal use and was left with the impression that everything was handled and my account was in good standing.


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Like many above we are a three generation member family, all military. I have been an insurance member since 1975. To date I've had excellent service from USAA. We started internet banking with USAA about three years ago. Four months ago I was unable to login to my account. Each attempt comes up with a window that says they are having technical difficulty and to try later. I didn't realize how prophetic that statement was. Thus far, after almost five months, my experience has been as others have described above. Compartmentalization (one hand there does not have access to what the other hand is doing or knows), "tickets," raising the priority level, complete lack of follow-up, and long hours spent on the phone re-educating the latest supervisor on the problem. The original problem continues to exist. After dealing with the seemingly uncaring entry level person I end up with talking to a caring supervisor. But it never goes farther.


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USAA is such a racket, it's hard to articulate. I would not encourage ANYONE to bank with this company. Once upon a time, long ago, USAA was the elite of financial institutions. Now they are the same if not worse than the big conglomerate institutions that hide behind automated tellers, offshore customer service, savvy marketing. I haven't heard "I'm sorry but there's nothing we can do" so often in my life. Huge disappointment. I pray the young veterans seek financial business elsewhere and not get caught up with ridiculous institution. Just horrible!!!


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I have been a USAA member for over 45 years. I have used most of their banking services especially to pay bills and make money transfers to and from other accounts. Recently I made a $3000 transfer from another bank to my USAA account using the USAA website to originate the transaction. When I looked at the other account, $3000 had been transferred out twice. Each time I call USAA bank for assistance, I get a new clerk who does not understand what happened and I have to explain what I see in the accounts. I have gone back and forth several times with these people with no satisfactory results. The other bank, Bank of Pensacola, has been very helpful and has also communicated directly with people at USAA bank. 


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USAA Federal Savings Bank is the worst bank anyone can deal with and I feel people should be warned before they get ripped off. I had a CD with them that matured while I was in an induced coma in intensive care. I called them as soon as I got out of the rehab facility and was sent home. I explained to them that I couldn't call them to tell them to close the matured cd which had matured on 9/07/2017 because at that time I was in an induced coma. If they would look at the last two CD I had with them I believe they matured this August you will see that I had you send me the funds from them, within the penalty free time just like I would like you to do with this CD. I am asking you to do this because there was no way I could call you because I was In an induce coma! 


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In August of 2010 I opened a 7 year CD at 3.85% with USAA. When the CD matured this past August 2017, USAA automatically rolled over the proceeds from that CD into a new 7 year CD without my knowledge or consent. The new CD has an interest rate of only 1.1%. In order to get my money out I had to pay a $2,500 early withdrawal penalty from the new CD that they opened without my knowledge or consent. I tried several times to get through to the bank in late August and early September. It took me several attempts to get through to the bank by phone, each time being transferred and placed on endless hold. This is a predatory practice aimed at cheating unsuspecting customers.


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I believe the employees are committing fraud. My account was hacked and when I called to close it down, they left it open for 3 additional days where someone stole 12K move dollars and now they won’t fix it. I have been in constant contact with customer service, security, fraud, member services and banking. They give me the run around every time. All my money is frozen and I cannot get any help. I have reached out to the FDIC and FTC because the bank is not helping at all. The fraudsters wrote themselves 12K in bank checks and had an ATM card delivered and money withdrawn.


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Extremely helpful bank, no branches so ATM costs refunded. No way to deposit checks here where I live in Mexico but no problem if you live in US. USAA does make it easier to function living in foreign land because ATM withdrawals costs minimum. Much better service than mainstream banks... seems more like belonging to credit union.


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The other reviews posted is enough! I've been a banking with USAA since 2011-12 and never had a need to reach out to them up until the last 2 years. The customer service is by far the worst. If you're disconnected for some odd reason, they refuse to call you back even though they verify "a good contact phone number" at the beginning of the call. They will repeatedly charge you insufficient fee charges every few days to gain revenue. For example, I paid my $259.61 electric bill with THIS checking account, thinking I submitted payment from my Suntrust account. My electric company attempted to take the funds when $247.11 was only in the account. YES, that's my mistake and I'm okay with taking responsibility for that. 


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I have been a USAA customer for around 20 years and feel lucky to have them. Their customer service is excellent, you can always reach an live agent by phone very quickly. I pay my bills through their online service and they have never been late or made a mistake. Checking is free, including the checks, they even refund ATM fees. Their app makes it very easy to pay a bill, transfer money between accounts or check balances, and money transfers occur instantly. My checking account is linked to my USAA credit card, so I never worry about bouncing a check. When I have had disputes with creditors, they have always had my back. I don't think you can do better than USAA.


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Great, secure bank. As they do not have branches, they will refund any atm fees you accrue monthly. You can also use mobile deposit or go to specific locations to deposit. Transferring money from bank to bank is also a piece of cake!


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USAA makes it unnecessary to put up with WF, BoA, etc. and their poor service plus high fees. I have been with them 50 years and never disappointed in their banking services. Note that I can do everything on the web, no need for a bank branch.


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I have been a customer with USAA for over 15 years. I give them all of my business. I retired from the Army in March and had to scramble my funds to adjust to the cut in pay. I miscalculated and several transfers were returned, but funded immediately. I have been transferring money between my two accounts for as long as I have been a customer with absolutely no issues. Now I am not allowed to transfer any funds between those accounts, even though the miscalculation was immediately funded and all fees covered.


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When I call to ask questions, and what I can do to fix something, I get "I don't know. We just do that." They say they are here for military members but they charge fees for everything. I bought something with the wrong account number and I have automatic over draft from my other account, and still got charged a fee. This bank is ridiculous and they are NOT for the military. They are here to take all they can from them.


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USAA is the worst bank to bank with. I have never had so many security breaches/issues as I have had THIS year 2017. I have been a member of USAA for over a decade and am discontinuing all banking services. My account was able to be taken over within a month of them walking me through and setting up all of this additional security for my account. My account was used as a pass thru account since I never use it and it only had $50 in it for the past several years. A USAA employee had to have done this. There is no other way that anyone would know that I never check or use this account. The "fraudsters" siphoned money from another USAA customer's account, put it in mine and then a Wells Fargo employee withdrew the funds from my account with a debit card they had expedited to Miami in my name from my account. 


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I have had insurance with USAA for over 50 years and recently started using the bank bill pay. Customer support is pathetic as they have boundaries separating various departments (customer service, web support and IT). Each group will gladly agree to create a "ticket" to help you, but you get nowhere. My payments to critical accounts were mysteriously canceled without notice - no excuse. Avoid this bank.


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I have been a member for 9 yrs and always a great member. This past year when I moved to NY, all of a sudden my money was going missing a lot and USAA would do nothing about it. I would email constantly and not receive a response for about a month. The escalation team is a joke as you can hear it in their voice that they don't care. I have written and tried my best to convince USAA to get me back my money that was taken and instead of helping me, they kindly let me know that they are deciding to end the relationship.


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I recently applied for an auto loan through USAA since I already have my car insurance and investment accounts with them. I applied for a 10k loan and they accepted it BUT they gave me a 14% APR on my 60 month term loan. Now I may not have the best credit but that is pretty high for a stay at home mom of 3 kids. I called to see if I could get it lowered but they said no. In the end of it, I accepted the loan in order to get a new vehicle. Just wanted to share my experience. Thank you USAA but please consider offering lower APR rates to families.


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My husband is retired from a twenty five year Military career. We have used USAA for the majority of that time and since his retirement. We own a farm and have hunters who lease the wooded area and a farmer who rents the land for farming. I have received large checks from these individuals and have always deposited online since we are not near a branch. There was never an issue. Ever. Until... Our payroll company made a mistake and my check was not direct deposited. My company issued me a check and I deposited it as usual. Then I saw they had put a hold on most of it. It happened to be at a time when I was using those funds to go out of town. I called to explain the situation and was told that they have the right to hold any check at their discretion. I was treated worse than I have ever been treated by a business. 


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We have been with USAA for all our banking, mortgage and car insurance over 10 years. We noticed that our loans have been sold to different banks over the last few years. Our most recent experience with applying for a new mortgage has been a disaster. There was poor follow-up, lack of ownership of various loan processors. 4 days before closing, we were told that there is additional paperwork that's missing and we can't close on time. We are a 2 surgeon family with good income. Their lack of responsibility is a disgrace for a company that advertise taking care of "military families".


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When you sign up for USAA services you may be a "lifetime" member, whether you choose it or not. When I realized that USAA was using me and my military service to link to other family members without my expressed permission, I was outraged and requested my account be cancelled. When I logged into my account, I found that another named person appeared on my account. The person named was my son, or so it appeared. 


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It has taken me over a year and a half to close accounts with this financial institution and if I do not request a letter of closure then they illegally leave the account open maybe to up their numbers. No one is able to assist me with the issues I am having. Because they cannot authenticate me they can't even give me the number to the department that can assist me. Once I get these accounts closed I will be sure to post to the web how to do it because it is probably the hardest thing I have ever done in my life.


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They seem like a good company at first. But there are some issues which they seem not to be able to fix. I moved about 3 months ago. Changed my address online in my profile/account. They still have not figured a way to update their credit card to reflect that. I get declined for my online purchases and have to go back and re-enter my old address which I am no longer living at as the billing address. I don't feel comfortable putting my billing address as I don't live there anymore but that's the only way to get purchases to go through. Did some research and it seems to be an ongoing problem with this company. 


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I have been a USAA Customer for over 40 years. I have always gotten good service until lately. This review is based upon multiple times of dealing with USAA over the last six months. (1) They switched credit cards from Master Charge to VISA. When they sent me the new cards they made an error in my name. I called them to attempt to get this corrected and their system verifies your phone number based upon the phone number stored in your profile and your four digit pin. Great, you should be all set then. No, once they pass you on to a human, they start again on a long series of verification questions. Why do they do this? It is wasting my time. The person they connected me to did not help me. I asked to speak with her supervisor. The supervisor then has to re-verify who you are. When I challenged her on that, she hung up on me. I reported this incident to USAA and never heard back from them.


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I have been a member since 1982. I have noticed over the years their interests rates aren't competitive with other financial institutions. The car insurance was the only competitive entity of USAA. I have a credit card with USAA and when the bill comes; I always pay double the amount due. Recently due to my miscalculations I went $268.00 over my limit. Mind you, my average payment has been $500.00 depending on the amount is due obviously. I recently received a phone call about the overage, and I explained acknowledging it was my error and I will send a payment next billing cycle, which is 10 days away. She tried to force a payment right then; I was firm about when I would send a payment. She told me she would note the account.


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I have been a member for 6 yrs and have been banking with them for 6 months. My account was hacked and all money was stolen from account. However dealing with them for 5 Hrs on the phone resulted in nothing but headaches, transferred call, put on hold, hung up on, disconnected and most of all no progress. The phone numbers that appeared on my smart phone (1800 531 8722) the day of the breach came back to USAA Fax number. Makes me wonder. Now because the number was spam it is blocked on my phone so I am unable to receive any communications from them. Not a big deal except they could not proceed any further with my inquiries because I could not receive their text. I was told to call the security dept. (1877 762 7256 ) and change all my information however no one can access my account to do this. I am now in possession of a new debt card that is linked to hacked checking account. Makes no sense.


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I left Wells-Fargo after more than a decade. I just couldn't bank with an institution that preys on people. So, I went to USAA... 'Cos they ostensibly care about veterans. They engage in the same practices as any other large financial institution. I deposited a check from a reputable firm on-line. At no point during the process was I advised they would hold the funds for 8 days. I pleaded with them to release the funds on my birthday and they denied my request.


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Unsolicited on my part, USAA sent me an invitation for a Rewards card. I really was just going to toss the offer in the garbage because I have all the credit that I need at the moment and I am more than satisfied with those banks. I love those banks, no annual fee, rewards points! BUT since this offer was personally sent to me from "trusted" USAA I went against my judgment and applied for this "rewards Military Blue Star families" Card SINCE I assumed USAA had likely prescreened me (being professionals and all) and would approve me for a good starting limit, that would benefit my "credit available" and would subside the hard check on the credit.


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I have to strongly contradict the many negative USAA reviews. I have been a member for about 20 years. My mother was a member long before. My daughter had been a member for over 5 years. I do not have a checking acct with them, but have savings, several insurance accts, and a credit card. I am an average person with average means. I have never had a negative experience, never a discourteous representative. They are helpful, compassionate, understanding, go the extra mile, bend over backwards. I continually rave about the company to friends, particularly those who use huge corporate, impersonal banks - and hate the service they get, or rather lack thereof. USAA rocks.


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I have been a member of USAA for 35 years, since then USAA has gone downhill. My first mortgage in 2002 was a good business experience, fast, and friendly service. I paid off my mortgage in 2012. In 2017 I took out a mortgage on my house for a real estate investment. The second mortgage was a 45-day nightmare. Constant delays and endless request for additional information. I had three loan officers in the 45-day nightmare. Finally, we had the closing and I expect that the problems were over. I was wrong - the closing was handled incorrectly and as a result my funds were not available to me for 15 days after the closing, but I was charged interest on money that I could not use.


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In 2007, I was forced to file bankruptcy due to many financial and medical setbacks. My husband served as a Sergeant in the Army in the late 1970's and honorably discharged in 1982. We originally had a savings account set up with USAA, but because of financial issues, we had about $3.00 in the account. For some unknown reason, USAA decided to close the account which was unfair and uncalled for. We are in a much better financial situation now and we want to open another Savings account.


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Tiffany ** was also our Loan Officer. In the beginning, she was overly nice. All documents that were requested for obtaining our mortgage loan, my husband uploaded them on USAA website. Then we were informed by Tiffany ** that our mortgage loan was undergoing the first review. Last week I received a call from Tiffany **. She stated that she had a few more questions for us concerning employment. She started off by asking if I was planning on making the 5 Hour drive from where we moving to in Hickory North Carolina to where I was employed currently in Newbern North Carolina every day once we move.


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I've been a customer of USAA for 25 years. There are at least 50 of my relatives who are either retired or on active duty. Twenty years ago, my 20-year-old wonderful son was killed in an Air Force training accident--in other words, he was burned alive. My husband flew Air Force jets to the Russian border and back (in the cold war days). My nephew graduated from West Point four years ago and was in Afghanistan two weeks later. My brother-in-law flew three tours of duty in Vietnam. He returned to Vietnam after the war to help the South Vietnamese rebuild their country. Later, he was one of the founders of the Wall South Foundation. And then there are my eight uncles and their extended families. Are these bonafides enough to earn respect from a company that claims its very existence is to support the military? One would think so. Apparently, USAA doesn't believe so.


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Back when I joined USAA 26 years ago it meant something. It was a special company that catered to military officers and took care of their customers. When they opened up membership to anyone even remotely associated with the military and became solely profit driven the customer service went to crap. If they gave 2 cents about their members they would read these reviews and adjust fire. But, alas, the almighty dollar rules this business.


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Love U.S.A.A. but their bank sucks. To consolidate my banking I opened an account. When I decided to add some money to the account I called and was given an address where the funds could be sent. I sent a check from the bank I was planning on leaving, checked the postings, and... Nothing. After numerous calls someone told me "we don't know who gave you that address, but it's not correct". (Well, YOU gave it to me, but clearly I'm wrong here.) I requested a good address.


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In January of this year I made my regular USAA credit card payment. I then waited until the period closed and made the following month's payment right after the January period closed. On my February statement, the payment is posted, but on the same statement that shows the payment having been made, there is a missed payment fee of $25. I called to protest. The first call was dropped (perhaps intentionally) and on the second call, after great difficulty in explaining my problem, I was told that the late/missed payment charge would be reversed. It was not. I made my regular March payment, but since I did not pay the extra $25 fee, I was hit with another late/missed payment fee! At that point to keep this travesty from rolling out another month I paid the entire amount that USAA showed as being currently due. 


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Very disappointed at their insurance rates for auto and home. Better deal at GEICO. They also have some banking policies that are unfair to consumers and veterans. They hold monies too long on deposit transactions, even after they have clearly received the funds. It appears to be a high degree of distrust.


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I am able to deposit my money quickly and it is available right away period. I have never been able to do this with any financial institution. They also refund ATM fees, which I thought was a thing of the past! You can also each expense and income.


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Spoke to a loan officer for an auto loan. Everything seemed to go flawlessly. We discussed the amount (which was to cover taxes) and APR. I went on the computer with the officer on the phone and electronically signed for the amount and APR. I was told during the call that the money would be sent direct deposit to the dealership next day. Two days later I get a call from the car transportation company stating the dealership can't release the car to the driver because they haven't been paid. Called USAA and the rep told me they put a 48 hour hold on the funds because it was the end of the month and they are busy. This would have been nice to know. Now there's a driver waiting and I can't give a timeline. Now flags are raised and I ask about my loan. She tells me I'll find out my APR after the deposit is made to the dealership... WHAT?


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This is a horrible bank. I closed a jumbo cd. They mailed me a check that is written to the wrong person. They made the check out to their employee. Again instead of making the check out to me they made it out to their employee. Horrible customer service. They have not corrected the problem.


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Bought my first car. Loved my representative. Love my insurance payment. On time every month. I was tight with money so I waiting until the day before to use that damn app assuming it would do as you say it should do, access my account, CHECK, view balance and spending history, CHECK, sit for 7 hours watching the bank NOT accept my payment... I woke up early to make sure it sent because of course it should have being I had well over the amount to pay it. YOUR SIDE SCREWED UP. Your app is very poor, remove it if it's going to screw people over and cost them money. Every dollar counts for a young man getting out in the world. I thank you for ruining my day and causing drama in my life that was unneeded. Now I'm being told of course it's my fault, I'm not responsible enough. It's as if someone purposely took off just enough so it didn't go through.


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I received a call on my answering machine from a lady who, I think, identified herself as P__ and provided a phone number and a specific extension for me to call back. But when I attempted to call back, I provided my USAA member number and got past the robotic call screening, but then the switchboard operator would not connect me to the extension unless I provided additional information even though I had already provided my USAA member number. I've been a member almost fifty years and subscribe to multiple USAA products, but member service has deteriorated to the point I wish I had never gotten involved with USAA. Their motto is something like "We know how to serve", but the cold, hard fact is that they mostly serve themselves.


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USAA does not represent the government at all. The banking dept should be completely shut down and they make the military look bad for business. They really needed to be boycotted. They close your account for no reason. They are full of crap. I would never, ever bank with them. They lie and give you the runaround. The banking dept is a scam and ripoff. They are full of crap. I really want to start a petition. I think people need to come together so their banking dept can stop ripping people off especially those they have served this country, put their life on the line to be mistreated.


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I have been a USAA member for 15 years and always lauded this company's excellent customer service. In recent years, this has not been the case. First, I had issues with the auto insurance when my car got broken into and I needed new windows - they said they couldn't provide a rental vehicle because the car was still drivable - there was broken glass everywhere and they were ready to send me on the highway with shattered windows. Just last month I switched to a new credit card and the automatic payments I had set up did not transfer over. I had no idea of this until I received a late fee. I reached out and they refunded the fee recognizing the automatic payment should have transferred with the new card. I set up the automatic payment and thought I was all set until I received an even larger charge and a lowered credit score this month. 


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My husband and I have been NFCU members for over 20 years. We were excited to see we could become members of USAA since we heard many positive things about them. We were slowly moving all our accounts over to them until we went through the refinance process and now we would never move our accounts! I first called USAA to refinance my mortgage in December. Today, a few hours before closing, they called my husband and told him it's not going to happen! 3 months of countless phone calls, emails, and faxes with completely incompetent people has made this experience miserable. They were constantly not getting things accomplished, getting defensive when asked, pointing fingers and having meltdowns. Finally, we get a closing date and we think all is well. It's just unfathomable to think a couple hours before close they cancel. Never again will I give USAA our business.


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I feel like they need to do away with some of their policies. I have been labeled a convicted felon, yet I've never been in trouble with the law. So I am ineligible for a savings account for a crime I did not commit. I was told that my name would be cleared in 48 hours, yet 4 days later I'm still labeled a felon and they conveniently can't find any notes on my account saying that my name would be cleared. I've been given the runaround for over 2 1/2 hours and still was told that I'm guilty by association for a crime that happened over 12 years ago in a completely different state when I was in high school. I had not clue the crime had even occurred. Yet I'm labeled the felon.


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So, firstly, we have been with USAA for over 20 years, both banking and insurance. Unfortunately, as time has gone on, we have become more and more disillusioned with this bank. We have a savings account and a checking account. However, this last time that we were going to buy a car the bank wanted to charge us almost 4% interest rate. I asked why that was. My husband has a credit rating of 798 and mine is 820, plus what we retain in our checking/savings account, plus the fact that we've been with them forever--have never been overdrawn, have never been late with our cc, insurance payments or car loan payments. So, what gives?!


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USAA uses bait and switch tactics. Initially was told .99% and when I asked about why I was going to be charged 2.45%, I was told it was because of my credit wasn't good enough. I asked how much better than 817 credit score does one have to have in order to receive .99%. BTW, we've been with USAA almost 30 yrs!! We will NEVER again apply for a loan w/ USAA. The past few years they have been horrible and caught them making mistakes.


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I've noticed that USAA's App re: Web Bill Pay indicating a payment was "sent" on 2/8/17 but today is 2/7/17. Thought to call to advise this technical error but their cust serv employees really don't care trying to bluff their way through conversations avoiding understanding to improve the quality of their company's performance. Pointed out that improvements should be noticed but they really don't care. Spent 30 minutes with banking pointing out this tech error trying to empathize sending a ticket for improvements then bounced to Web Service Bill Pay to spend another 15 minutes again to point out this tech inefficiency only for them to really think it's not an issue of importance.


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I have been a member of USAA for 10 years and have always enjoyed my experiences with them. However, due to some unfortunate events in my life I had to declare bankruptcy. Not only do they bar you from getting full access to your account for SEVEN years, they will not issue you any new banking products (no new checking, savings accounts, nothing). I completely understand not wanting to give me a new credit card based on my lending history. My situation though, was entirely reasonable.


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I have been with USAA for almost 40 years. Today we made the decision to move everything bank accounts, insurance, etc. out of USAA after a very bad experience with an overcharge on our daughter's debit card. Our daughter used her debit card at a store in the amount of $40.20 (she signed receipt). At the time she signed the receipt the amount was correct. When the debit was posted it was posted in the amount of $14,481.00. We immediately called the store and they issued a credit. It took one week for USAA to refund the money back to the account. They used every excuse in the book--saying at one time she authorized the charge. Totally not true. Since there is a $3,000 purchase limit by signature on a debit card we are having trouble understanding how this problem ever occurred. 


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I am business owner who has used car dealership and offer service to USAA members. USAA offer Dealers Electronic Check as guaranty payment for members. On this form say that funds will be released within 24 hours of receipt of the form (Dealer electric Check) at USAA. All documents was faxed and verified of receipt by USAA on the 20th and today is 30th and no funds yet. Start calling on the 24th and getting the same respond that will get funded within 24 to 48 hours! What can you do and where can you go to get resolutions? Dealers beware of accepting these electronic checks, means nothing. I would have understand if there is any problem or issue with my transaction but holding my 17K money and not giving me a clear answer for the reason is a mystery!


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An employer of mine provided 3 checks as payment – and each one bounced – total loss $6650. It took USAA 7 days to let me know the first check was not valid!!! In addition, when talking to a representative at USAA she convinced me to move my $10,000 savings from Chase to USAA when I explained I was concerned that my Chase account had been compromised also. USAA then proceeded to take a portion of my $10,000 and use it to cover the $6650 of bounced checks. Since when are we responsible for criminals who give us bad checks? They labeled it as a SCAM instead of FRAUD, and got themselves covered so they had zero losses. Further, they said now they are not responsible for helping get the money back. Really? To address this I must work with the local law enforcement, which I was doing anyway, however they are extremely busy and this avenue DOES NOT RELEASE USAA.


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I've been with USAA for 7 years. Mom was Air Force, so she got me the account when I went off to school so I could have a debit card and not just deal with cash. That being said, they treat me like a criminal, an idiot, and a person with buckets of money to just fling around. Several things have gone on. Firstly, I have their mobile app. I check my balance regularly. REGULARLY. Like every few hours! I'll check before I go grocery shopping and have $500. I'll spend $50. I'll come out and be overdrawn the next day without spending another penny after that. Why? "Oh, well your previous purchases have just processed!" Umm... It's a debit card. This is a mobile app. These things are supposed to reflect changes in real time.


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When I had just graduated college and commissioned, I was moving so I did a loan through USAA. If I could go back in time, I would have never taken it out. I had to go through so much just to get someone to actually help me with getting the loan. Every time I would call, I got taken around in loops just to get the loan. Getting the loan required me to open an account with them. One day, while I was out, they mysteriously shut my card off. I called them several times to get the issue taken care of and again no one was able to help me. After a week, I finally managed to get someone to help. Once I finish paying this loan off with them, I AM DONE WITH USAA! I STRONGLY RECOMMEND TO ANYONE WHO IS READING REVIEW TO STAY AWAY! THEY ARE A TERRIBLE ORGANIZATION!


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Worse customer service I have ever encountered. Opened Checking & Savings account 1 month ago. Still have not received checks ordered same time opened account. With apologies from two different representatives on two separate calls, I still have not received correct check order. That's just one simple issue I have experienced. Don't know how people can be confident in the handling of their funds by these goofballs. Closing all my accounts with this poor excuse of a financial institution, especially after reading all of these complaints from customers that have experienced far worse than what I have gone through.


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I have been with USAA since 2001 and have been a loyal customer since then. What happened recently made me so disgusted with them as I have never experienced this before. I opened a checking and saving account around May of 2016. Approx September or October I attempted to transfer 200 dollars several time and the app makes mistakes and keep telling me bank administrator. I had money in my account, and I was dealing with a health problem so I did not call them right away. Well when I finally decided to call them they told me that my account was charged off. I told them "How could that happen if I had money in my account."


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My son signed up for a checking and savings account with USAA when he joined the Army. Upon signing up he gave them permission to take a total of $50 out of his joint account with me at huntington $25 to start each account... Well he's goes to boot camp unable to have any contact with me or anyone from the outside world and I notice they took $50 out twice and $25 out 4 times. 


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In six years of banking with USAA I cannot remember ever overdrafting. I know what I have in my account, and if there is an issue I deposit to cover it or I move money from my savings over to cover it. Lately, they have been shuffling transactions. Yesterday, I checked my account balance while at Target on my mobile app. I had $620 in there. I spent $100. I knew my car payment was scheduled, so I went home and moved $98 from savings to checking. I had $718 in my account when I went to bed and $0 in my savings.


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We have a checking account with them. We direct deposit our paychecks but sometimes if we need to put cash in the account we will use a money order. They place a hold on your funds. They are the worst bank I have dealt with. We cancelled our car insurance, homeowners insurance and are in the process of closing the checking account!! Don't bank with them. To think they are a military bank too!


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I have a BMO (Bank of the West) credit card, and have used it in many instances for purchase protection. I was recently scammed by a seller on ebay, who substituted a purchase with a cheap alternate. I tried to file a dispute with BMO, and was refused because that is not considered "fraud." Switch and bait and any other known criminal activity is ok with BMO, just as long as it does not fit their definition of fraud. The phone help, especially Tina Slocum, was dismissive and annoyed. She could care less. I sent all the info requested, and she shut down the case. The BMO master card will not offer you any protection. If you are using it for that reason, don't bother.


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The bank tellers and the branch manager at Bank of the West in Arcadia, California cannot keep customers' confidentiality. They gossip and create major problems in companies and accounts holders. You cannot trust your personal information with them.


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I paid OFF my card ($1,087.00) BEFORE the due date 0n 1 JUNE 2023 and they won't credit the card until 9 JUNE and the money was taken out of my account TODAY 2 JUNE 2023!!!! This is the same bank that was taken over by a US/CANADIAN bank after it folded!!!!


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I went to the bank and closed my account. They said the account is closed and gave me a final check that would zero out the balance. A month later I got notice from Bank of the west charging me insufficient fund for trying to send money to my mortgage company and other creditors under banking online auto pay. Not to mention all creditors were charging me for sending money for sending them insufficient fund checks. Went to the Bank of the West, talk to the manager, asking them why they are still sending out checks on an account that was closed a month earlier. She told me they have corrected everything and I need to pay them $47 under overdraft protection. Again a month later I got a letter from creditors that Bank of the West was sending them check and rejecting it for insufficient fund. Now the creditors are charging me again for sending them check with insufficient fund.


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I was charged a late fee for an additional payment that I made. Instead of reversing the late fee, they went and reversed the next payment I made & I still have not received the $$ back in my account. Nobody seems to know what happened and even though I can see all of the activity on the loan site, they swear there are no late fees and nobody can explain why they reversed my next payment and why it has taken over 2 weeks and I still don't have the money back in my account. I will NOT recommend this bank to anyone.


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BOW this is the second chance I have given to earn my business and you have failed. I thought by now you would have worked out your very clunky HELOC process. Other companies are blowing you away. In 2016 I had the same experience of overkill and redundancy to the point I moved my entire mortgage away from you. After weeks in chaos I started over with Amerisave and was done in 6 days. For now you still hold my checking, savings accounts (4 in total) that I only keep because of my relationship with my personal banker. BUT I can't say I feel safe in your hands and I don't foresee that keeping me here much longer. Streamline your application process, know your customer, stick to timelines.


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I received a mail from the Bank of the West for a balance transfer. I applied for the card and requested a balance transfer of $7200 on January 9. The money never came but the Bank of the West was withdrawing money from my account on February 9 and March 9, $225 and $218. When I called, the representative said they cannot refund money but will reissue a check. When I called the second time, they put me on hold for an hour. They stole my $443 and refuse to refund. If this is not a thief, I don't know what is.


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I wanted to call ahead (day before). I purchase something that is more than my spending limit. Supervisor says I need to call the exact day to let them know. I said I will be too busy to call the day of so I wanted to call ahead. Supervisor says it's their policy that I need to call the day of the purchase. I said, "It's for a doctor's procedure and I won't have time to call tomorrow." I asked him to provide me that policy but he says he could not cause it's internal. How would people know it's their policy if they cannot even provide that policy to us. I'm just trying to use my own money. It's not their money! They are treating your money as if it's their money. Wth. All I needed was money for my doctor's procedure and now I'll have to find time tomorrow to call knowing I'm going to be very busy. Don't bank here. My other bank already approved my limit increased as of yesterday. I will likely pull all my money from this bank.


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Bank of the West worst customer, my account was overdraft on 01/24. I have money Zelle to Bank of the West to cover overdraft. At 3:11pm bank charge me $35 saying cutoff time was 3pm so money post next day. After calling to complain Bank of the West charge me another $35 for overdraft on 01/25 for the overdraft charges, try getting in touch with CEO Nandita Bakhshi in SA but no phone number to contact headquarters. I contact the Better Business to further investigate.


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Have called their customer support line multiple and their hold time is more than an hour. I went into one of their branches, but denied service and told to return another day because they were too busy. I called their headquarters and this rude female picked up the phone and refused to provide her name saying she can't give it out. I was told to call another number. I spoke with a male who also had an attitude. He said he'll have someone from their management team give me a call. This is unacceptable. I can't believe this bank operates this way. It's a shame they operate this way.


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I have been a client of this bank since 2017, I have an auto loan with them. I had never had a problem until now. I make a payment every month, I have a couple of years making the payment online. Earlier this month, when I was about to make a payment online, my account said I had no payment due and that my next payment had to be done by 1/19/2023. I thought it was weird, since I didn't made a payment since November. It was like a week before Christmas so I decided to call Customer Service to verify this was true. Their representative confirmed it was true and had told me that my next payment was due in January. I asked why was that if I didn't make a payment in December and the Customer Service told me that I must of made a payment for more than the amount due before and that was probably why I didn't have to make one. 


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On November 28, 2022 I went in to a Bank of the West branch to deposit a Required Minimum Distribution Inherited IRA check into my savings account with less cash back. It is drafted in my name including “beneficiary” and my late brother’s name. I have done this every year since my brother's passing in 2011 and had never experienced any issues or refusal. But this time, the teller pointed out the fact that it was drafted as such, she needed approval from management. So, I was agreeable and she went to seek approval from a supervisor. Unfortunately, she came back and told me that the supervisor had refused to authorize it. 


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Worst bank to work with! DO NOT FINANCE WITH THEM! We paid off a loan held by Bank of the West for a boat purchased. Have been requesting paperwork for over 90 days to get the US Coast Guard documentation deleted from the vessel. Bank of the West has not complied with our request after weekly phone calls, emails and faxes. It should not take over 90 days to fill out 1 piece of paper! Completely unacceptable banking practices.


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After being a customer for 1.5 years, I received an obscure document stating that I was under investigation and not explaining the reasons. Some questions were really suspicious without context, others did not make any sense. Upon completion of the document, the money disappeared from my accounts, and I was refused the service with no explanation. The employees were rude and the management was unresponsive. I felt insulted and humiliated. I will never trust this bank again with my finances. I have reported them to FDIC.


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I have dealt with Bank of the West for 3 years now. I make my husband’s loan payment for a camper he purchased while on the road. They won’t set up automatic draft for the payments and reaching someone to make a payment is a nightmare! If you reach a human, they say it’s a different department and transfer to someone who doesn’t answer and returns your call a week later so you can’t get paid off because of the late fees they add. It operates like there are only 2 employees who don’t communicate with each other at all!! Do NOT use this bank for anything!


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Date: 10/12/2022 We have been business customer of this bank for over 35 years, and we have multiple accounts with high figures. We are a small business we international and national sales. Out of all accounts, one checking account is used to interact with the outside and the rest are either strictly CC accounts or saving. On 9/16/2022, the bank put a hold on our main checking account due to fraudulent deposit, and this happened when I and another person on the accounts are out of town. This caused a huge disruption to our payments to our vendors and services; since we were locked out of the account and unable to access the online banking to make payments. Some of our vendors and service providers put us on prepayment.


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7 weeks since they accepted our check to pay off our motorhome loan and no title. We have called 7 times and are still waiting. I have financed over 20 vehicles in my life and have NEVER had this much trouble getting a title and the best is they will only send a release and I need to pay to do title work in PA. DO NOT USE THIS BANK for any reason unless you want the runaround and get no resolve to problems and weeks to waste.


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Worst bank ever! The customer service is very hard to reach and they need a week to answer a simple message. My debit is going to expire very soon and I didn’t get a new one. I contacted them several times but they lied to me. They told my new debit card will arrive the first week of the month and a week after it was the 10th and now they don’t even know if I’m going to received my card before the old one expire. I told them that this card is link to bills and that I would not be able to pay because of their incompetence. I don’t even have a credit card 'cause they forget to send me a new one. I keep asking them when I should get my new card and the answer is, "We don’t know…"


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Bank of the West has been a nightmare! The bank is so poorly managed and they are crooks. I would steer away from Bank of the West if you value your money. They charge fees on our accounts without reason nor services we signed up for to line their pockets. They lost their rights to use Zelle due to their own fraudulent behaviors costing us since we now cannot collect monthly revenue for our business via Zelle. They lie, cheat and should not be trusted. We recommend banking with the MOB before ever choosing to do business banking at Bank of the WILD West because, you will be sorry like we are for taking our business banking here. 


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I have only had an account here for about 6 months. First I deposited a check into an ATM at one of their branches. The next morning I look at my account online and instead of there being the amount on the check available to me, it was negative the amount of the check I deposited. When I called customer service and put on hold for 2 hours they said it was an IT problem and they said hopefully it would be fixed but they didn't know when. It was fixed 2 days later. Then, I lost my debit card, called customer service again 3 times in a month to have them order me a new one and I still have not received a new debit card.


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Had an account for over ten years. Recently changed mobiles to Apple - both IPad and IPhone. Trying to use the mobile deposit has resulted in abortive phone calls and repeated log-ins and verification. Visited the local branch that is still functioning to find a notice ‘Temporary Closure’. Every time I try to access the Mobile app on the website it informs me that the sessions has timed out. One of the worst banking experiences I have had with any bank.


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I have been trying to pay off my loan. They took the money but are giving me the run-around about getting my title. Every Time I call they tell me a different time frame. This is very bad business. It is so frustrating. I will never get a loan from them again.


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We recently paid off our car loan with Bank of the West. The Bank of the West decided to retitle the car in a different state then our home of record and original title of the car loan. We are military and our original title was in Oregon as is our home of record. We have all of our cars, travel trailer etc in Oregon. We purchase all of our cars etc in Oregon, however The Bank of the West has decided to do commit banking negligence and malpractice by choosing to retitle OUR car where THEY wanted it titled. The Bank of the West did not call us, did not inform us this would be done or that this was a policy of any kind. When we called to try to clear this matter up, they simply said "sorry, we can't help you, you are are on your own." So basically The Bank of the West got their money, and we paid them off early by the way, and then decided to intentionally do harm to their customer. That is the very definition of bank negligence and malpractice if you ask me.


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Bank of the West's incompetence is costing me money. A few times over the past years I missed payments BECAUSE I NEVER GOT A STATEMENT. They blame USPS but I never had this problem with other cards. This also doesn't explain why I never got email reminders for the same months. This happened again last month - but then my bank account disappeared off their system so I COULDN"T make the payment. I told them about this and it never got resolved. Fast forward to this month. I STILL didn't receive a statement (in either paper or electronic form), but now I am "delinquent" because their web site STILL won't let me make a payment!!! The cherry on top - they will not credit the fee/interest even though this is their fault. Slick way for them to make extra money...


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Since I upgraded my iPhone 6 Plus to iPhone 13, the Bank of the West Mobile Deposit App does not work. On May 3, I deposited a Business Check in my Savings Account in the amount of $5,300. It was accepted, got an e-mailed confirmation. Unfortunately, the amount was not reflected in my account because the same amount was debited. To make the story short, I ended up depositing the check to a nearby bank after talking to the Manager. I was told they were understaff and that the mobile deposit was treated like it never happened. He said to mail it or deposit it to another bank.


