USAA is the worst bank I've ever encountered.

These crooks are the absolute worst! 


Paypal screwed up and tried charging my USAA Checking account for various items over the last 2 months, by the time I finally caught it and told paypal to stop, USAA had run up $300 in NSF fees, closed my account and sent it to collections!!  No phone call, no email, the only way I found out was when I got a collections letter in the mail.  I just spent 4hrs on the phone this morning with them explaining that I never authorized the charges and they just didn't care. 


The worst part is I've been a member for around 10 years, with a brokerage account, checking, savings, etc.  I used to have auto insurance with them too until they tried screwing me when I totaled my pick-up. They tried telling me my 2000 Ford Ranger was worth $1,800 when KBB and NADA said it was worth $5,000 - 6,000.  I called the consumer advocate group in Connecticut and filed a case against them and USAA was forced to pay out another $3,500.  Never using them again for car insurance, yeah their rates are a little lower than others but what does that do for you when you actually need the money to buy a new car and they won't give you what your car was worth? 


Such a sad story, this used to be a great bank, I used to tell everyone I could about how wonderful they were with customer service and their great products, but over the past 5 years they've gotten greedy and turned into a bunch of crooks.  I mean who can trust a bank that's too cheap to buy any of their own ATM's?  Can't wait until I refinance so I can pay off my USAA credit card and be rid of them for good.


PayPal has lost their way. (Sound familiar?) I closed my longtime account with them last week. They've been hit recently for their sneaky practices. Google it.
Paypal actually gave me $100 towards all the nsf fees. USAA said they only had the authority to take off 2 of the 13 nsf charges so I'm gonna have to give paypal my vote on this one. Now I don't have enough money to pay my mortgage and I need to try to get the collection they started off my credit report so I can get a job when I get laid off at the end of the month.

Good luck with it. 


You gave Pay Pal your banking information and authorization, so they and ultimately you are responsible for any and all charges. 


I find it hard to believe that you went two months without noticing that your account was overdrawn.  Do you not actively manage your finances?

haha, yes I manage my finances. All I have with usaa is a brokerage account (that I never use but controls some stock) and a credit card which I don't use and make payments on monthly. I didn't know paypal was charging it because paypal requires you to have back up accounts to charge in case your primary funding source rejects the charge, anyone who uses paypal should know that. If paypal charges a different funding source than the one I chose for the payment then they're definitely responsibly for the nsf fees. Which is why they contributed $100, which basically admitted their fault.

Dear Nelson P, Oh no! I can understand your frustration and we can help connect you with a service specialist to see if there is something else we can do to help. You can reach a specialist here or by telephone at 1-800-531-8722. Thank you for reaching out here in community. Let us know how else we can help. - Wendy

Wendy - it's too late for help and I also don't feel like being passed around USAA's customer service reps 3 or 4 times before I reach the right person.  I've been a USAA customer for maybe 8-9 years and to whack me with 13 NSF fees when paypal is trying to charge the wrong account did irrepairable damage.  I've had issues with other services that USAA offers but this was the straw that broke the camel's back.  I'm sorry but I'm going to have to find a bank that cares more about their customers than USAA does.

Amen Nelson.
You dropped the ball! Why is your primary account with PayPal 'rejecting' your charges? Trying to blame USAA for YOUR poor money management is weak! You said it yourself..'PayPal screwed up..' THEY are the ones you should be mad at!