I did love being a USAA member but their service has dropped. I got a loan from USAA for a used car and was quoted over the phone a lower interest rate, with gap and an extended warranty. When the loan was originated it had no gap, no extended warranty and the apr jumped 1% from what I was quoted. I called them and their only response is that I need to wait 6 months then I can refinance to add gap, the warranty and possibly get a better rate. I doesn't matter that it is USAA's fault, I get screwed. Next time I will not get a loan from USAA i will use Navy Federal and I am going to move all accounts to Navy Federal also. I was a 16 year member and an advocate for USAA.
