I have been a member with USAA for 20yrs plus. We have had this affair of worker/ planner going on for all  this time. In any great or large institution you will have some ups and down. I have read a lot of these stories and I can only tell you of mines. I have grown form a young man with no responsibility too a husband with kids and a great portfolio. Some of the bumps along the way was self inflicted and some bank or human error. I can tell you this USAA have always made it right or customer came first. Any issues in life you can think about form A-Z USAA have had my back and if the rep on the line was not taking care of me that supervisor made it right. When I look at all the rest of banks and insurance companies and I have tried them that is why I can say this USAA is #1 in my book.