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I have been having heart failure over my USAA account until now. I met the best representative ever today who truly helps people. His name is Jake. He was sooooooo helpful to me in my mini crisis, I was elated. I just want everyone to give him a big'l hug today if you know who he is. He changed my whole spirit today and now I am wearing the biggest grin.THANK YOU SO MUCH JAKE!!! HAVE A BLESSED NEW YEAR EVERYBODY! i DIDN'T GET THE NAME OF THE PERSON WHO HELPED ME YESTERDAY BUT SH TOO WAS VERY HELPFUL. kUDO'S TO HER TOO.