One has to wonder how many actual members of USAA there actually are (millions)? I mean of course we read these letters on here about people being upset, etc. and that's fine, we should be thankful that USAA let's us air the dirty laundry like they do.
I'll bet that many of the big-monster-megabanks don't have a forum such as this one?
is USAA perfect? Show me any business that is. Is USAA better than most? In my experience: WAY BETTER!
I've been with USAA since 1995 and haven't regreted yet.