I regret to inform you that we do not have a second chance program. One of the benefits of your membership is access to free financial advice. I invite you to speak with our Financial Advice and Solutions Group by calling 1-800-531-USAA (8722). This team provides solutions focused on individual needs and goals, and I'm sure they can offer the guidance you seek. Representatives are available Monday through Friday from 7:30 a.m. until 10:00 p.m. CT and on Saturday from 8:00 a.m. to 5:00 p.m. CT.
I see. Yes, I tried to get some financial advice about a home refinance loan I was considering and while all the jargon on the USAA website paints USAA as being this financial guru helper, they would not even speak to me about the loan I was considering because it was not with USAA. There have been some other questionable and ugly things that have transpired USAA is really great in some areas and they absolutely suck in other areas. But don't get it twisted, NOTHING is actaully for free.
TingTang, thank you for your post. Your feedback is important to us, and I will be sure to share it with the appropriate area for further review. I regret the frustration this has caused for you. We appreciate your membership. -Meredith
Newlywed, there are pay cards out there where you can have a deposit made to the card. Food stamps work in this manner now also. Some of the people in the poor areas where I live actually have their employer give them a pay card the employer deposits to because of situations much like yours. You might see if your employer's payroll department has something similar. The card then works something like a debit card. You probably won't be able to open a bank account ANYWHERE until any past due accounts are paid in full. I had someone find an old, outdated check and use it at a store years after I closed the account. The check was paid due to my outstanding credit but no other bank in town would open an account for me as long as Bank of America had a "hold" on my banking record.