A metaphor for what USAA has become can be found in the movie Fargo, the scene where the customer says he never asked for undercoating on his new vehicle, but was charged $500 for it nevertheless. The sleazy salesman/criminal gives gives him a runaround, but then agrees to talk to the manager. He and the manager talk about the weather or something, then the salesman returns and announces, "good news, the manager agreed to knock $25 off!" USAA will help you as long as there are no problems, but once there are you become an annoying liability to them. And yes, they will readily blame you for their incompetence and deviousness.
Hello @AlmostHomeless, I understand the seriousness of the situation. I have located your information and will engage a specialist to review the details. Thank you for speaking up today. ~Sarah