If I wanted to inflict the degree of poor service upon another inoscent person who does not have a usaa account, I should be given some kind of gratuidy for leading another poor sucker into the web of idiots at USAA when they are credentialed and open an account of some kind.
Maybe a modest 20.00 gift card to a choice of national chain resturuants, etc- would be an idea. Don't worry, untill something is changed I'll not tell anyone to join. In fact, I will tell them NOT TO. PIS poor preformance at so many levels- disapointing is about the nicest thing I can say.