I regret to hear of your experience when attempting to get a mortgage with USAA. This is never the level of service we expect for our members. I have taken this opportunity to share your concerns with a colleague in the mortgage area for review. They will review your concerns and reach out to address and discuss this matter with you. I sincerely regret the experience you had and hope we can restore your trust in USAA. ~Gus
Just curious, did USAA give you a reason why you were not approved? It would seem that they should have some idea when they start the process, shouldn't they??? I do believe that if you did not close with USAA, they cannot collect any fees that would have been on the closing statement (at least that is what we were told when we were having problems with our refi).
We went through the same hassles with our refi. It did go through and yes we could have paid for the house in cash many times over, but that did not stop USAA from making what should have been a simple process very complicated and frustrating. It also motivated us to start reevaluating our overall relationship with USAA.
Have you requested and/or demanded USAA to return your money to you? if not, I would highly suggest you take them to court and file a small claims suit in your jurisdiction. They will not be able to avoid this court hearing and you will get some justice from it. They will likely settle with you...it's definitely worth trying. Typically small claims court does not require a lawyer, although you can certainly consult with one.