20 years ago, membership was not a curse, it was a pleasure, a great value. Why the slide? Who is at the top? Do they read these posts?
User slash2 (Opens a pop up layer) Occasional Visitor
Even five years ago, doing business with USAA was still a pleasure. I have time to post this because I have been waiting four hours for a superior to simply call me. I do not wish to get too blunt with the representative who has tried to process my simple mortgage loan.
Two years ago, I should have learned my lesson. The appraiser they sent to value my home was incompetent. USAA would do nothing. Good bye application fee$.
Today, weeks into my second mortgage application, (my home having appraised 55+% higher than two years ago), it looks like USAA has clearly run amuck. Requesting repeat documents, postponing closing, asking questions about unencumbered property unrelated to this loan, and, my favorite, they have requested a hand-written and signed explanation of my income's increase between 2011 and 2012. What are they going to have my writing analyzed? I hand-write birthday and holiday cards, not explanations of my hard work's success.
I ended up finding this forum simply searching for an ombudsman at USAA. There is not an ombudsman at USAA, but what a Member Forum. When I looked to the right in these forums, I see nothing of what USAA had stood for back "in the day." The powers that be should not be, what a travesty of customer service USAA has become! Soon they may get more profitable customer service, they may as well outsource it, it has gone downhill and fast.
My sincere hope is that USAA will get its act together, quickly, getting back to serving their membership instead of cursing us with further poor quality service. Stop the marketing, get the house back in order, and serve your members!
Allow me to continue while waiting for my call back from a supervisor. Of the five emails received from my USAA "processor" before today, four start with apologies. No kidding. Is this USAA'a first mortgage to process? I am shocked by the seemingly impossible process instituted in this case. Adequate income, perfect credit, established value, and even a track record of prepayment with USAA themselves on an equity line, and USAA wants a hand-written what?
Well, I certainly would check with someone other than this 23 year member if seeking a positive comment about the USAA of today. I have waited two hours past my normal quitting time, five hours total, for a call to clarify this loan application. I likely will be taking my business to a company that will appreciate it. Half my life paying, paying, paying, never a single claim, and I am but a common lady-of-the-evening to their banking department.
Better luck to you! Elsewhere!
User Blakesley79 (Opens a pop up layer) Occasional Visitor
We have credit scores well over 700 and two reputable companies refinanced both loans
I think USAA is hiring I competent people. It took just two weeks to close our loans
User ThomasHubbardII (Opens a pop up layer) Established Member
I had a horrible mortage experience as well. I too have seen this company go downhill since I became a memeber 24 years ago.
User BrianaHartzellUSAA Community Manager
We are so sorry we have let you down. Your membership is extremely important to us and we would like to better understand what has been going on. If there is something specific that we can help you with, please contact us here: https://www.usaa.com/inet/pages/fb_response_form or email us at firstname.lastname@example.org. Thank you for your time.
User DC Smitty (Opens a pop up layer) New Member
I hate to pile on, because I still feel warm fuzzies for USAA, but perhaps this will put pressure on them to fix this mess.
Last summer I needed a new home loan and went on line to process the application. Here in Arkansas, real estate offer contracts have to include a specific date for closing, not a "NLT" or "on or about", so I had a firm closing date in my accepted sale contract that was about 30 days away. USAA's online application would not let me pick a closing date less than 35 days (I think, or thereabouts), after my expected closing. I stopped the application and called and USAA would not back up the closing 4 days to meet my date.
Mind you, this was nothing complicated - I have been a member for over 30 years, it was a conventional 30-year fixed mortage,my credit score is about 800, I could have paid cash for the house, and I was only asking for an 80% loan. It should have been a piece of cake, and it would have been if they only would have committed to a closing date 30 days out - but they wouldn't. So, I went to a regional bank that not only committed to the date, but processed my loan paperwork and were ready to close in less than 20 days. (If you are out in the midwest, I'd recommend you look into First Western Bank.) Easy money for First Western, loss for USAA of both business and loyalty. If I want to deal with a big, cold, intransigent bank, I can go to Bank of America or Wells Fargo. USAA Bank has lost it's touch.
I have been a member of USAA for 46 years. I am trying to refinace my home with no mortgage. I speak with on e rep and then never hear from them again and then speak to anopthe with the same results. USAA was the standard of service in the the insurance and baking world. Now, the reps are polite, but they are happy to refer you elsewhere and you go into a black hole where no one calls you back and you never hear from them again. It is so frustrating. Once they expanced to become inclusive, they went steadily downhill. I am sure they are aware of the poor service but they are making more money so that is the bottom line. I was wounded in combat, totoally disabled and ask if this is how USAA takes \care of its Military members who put everything on the line for this country. There ads show how much the remmber and care but the actions are totally opposite.