USAA is not forgiving. I have been with USAA for over thirty years but I have learned the hard way that reporting an accident to them (like any other insurance company) is not always a good idea and will not be rewarded. They have no more honor than other financial services companies despite their marketing. USAA dropped my auto policy and my rates were increased to over a thousand dollars a month and my coverages reduced to the minimums because of two very small incidents that they viewed as at fault. I admitted to one incident where I knocked over a low rock wall when I turned my wheel to back out of a narrow driveway in Arlington Virginia. There was no way to avoid it but it was definitely my fault. The second incident occurred when my open door was caught by a gust of wind which then dented the wheel well of an adjacent car. The payout for that claim was under $1,500 however, USAA dropped me because of it even though it was weather related and now my rates are equivalent to my truck payment. I had very high coverages and very low deductibles. None of this mattered. The amount I've paid USAA over the years has far outweighed any claims I've filed by at least a factor of five however, they are jus like any other financial services company, greedy. They put on a good show regarding their support for service members but do beware of reporting claims and telling the truth with USAA as you could harm your self significantly. Sometime's its better to just pay for the small dings and dents on your own rather than expect a company to honor those who tell the truth. Beware and shop around. read more

The single star is for the insurance, which is excellent. Do not, I repeat do not, ever use them for investments or a mortgage. Short story first: their investment advice is always, without fault, terrible. My husband has used them since he was a teenager and any time he called about moving money around, he was told to do a different investment strategy. Without fail, it always resulted in a tax hit and negligible returns. Now comes the fun one: when we bought our house, my husband still had faith in them. We only got preapproved through them. We found a house, made an offer and then the drama began. The woman who was handling our mortgage was beyond incompetent. She lost our paperwork, multiple times and was beyond blasé about it (after asking us to resend our W-2s, "why did you resend it? I found it this morning.") What I thought was the piece de resistance came when she forgot to wire the money for our closing costs. She wired out down payment but didn't initiate the second wire for the closing costs for literally 3 days. And her reaction when she finally called us back (after 3 days) was "I initiated it today so why are you so upset?" For months, we got random calls for supervisors asking us what they could do to regain our trust. Not our job, that's yours and nothing ever came of it. The true piece de resistance actually occurred two weeks ago when we got a bill from the IRS for $4k because USAA incorrectly reported money we moved for our down payment as income. When we called to ask them about it, the guy was a jerk and insisted that we couldn't possibly be correct. He could have checked that we were telling the truth but he couldn't be bothered. Now it's in the hands of our lawyer, who has the proof that was sitting on the screen in front of the jerk from USAA. If you can use anyone else, do it. Do not trust them with your mortgage, investments or quite frankly, anything other than insurance. read more

Now on hour FOUR of waiting for USAA road side assistance. Called on three separate occasions trying to get some help while I am stranded on the side of the road. I have had to call a tow company to help as USAA couldn't even put me through to speak to someone. read more

SCAM - USAA Customers Beware! If you are involved in an accident and your vehicle needs to be towed to the collision repair shop - USAA likely will contract the disreputable company Agero ( https://www.yelp.com/biz/agero-inc-medford ) to move your vehicle. If the towing company USAA will use to move your vehicle does additional damage to your vehicle during that service neither the towing company nor USAA will own the damages. Unless you have hard evidence and eyewitnesses of the damage and proof of the original condition of the vehicle - even if it was a new vehicle (like my case). I was involved in a vehicle accident where another vehicle rear-ended mine. My vehicle was disabled and I accompanied it to the tow lot. I witnessed my vehicle post- accident condition upon initial storage (no damage to the front of the vehicle. I filed a claim through USAA and they coordinated a tow from the lot to the collision repair shop. The vehicle was delivered by the towing service USAA requested to the collision repair shop with new damage in the front bumper that were not part of the accident. USAA made me file a claim through the towing company (took about 8 work hours to complete) but since I had no direct evidence linking the towing company to the new damages - the towing company denied my claim (after two weeks). Now, I have over $700 in new damages to my vehicle that were not part of the accident. Instances like this will not be addressed by USAA as they probably intend to profit from the additional claim and accompanied rate increase. I believe this is a scam and have resigned to pay for the additional damage out of my pocket but I am now also motivated to replace every single service I use from USAA and recommend the same to many others. read more

So far Ive had great experiences with USAA until yesterday. I went to make a cash deposit which was 25 minutes away only to find when I got there that the ATM wouldnt take my money because it said the depository needed to be configured. Before I go back at some point today I decided to call and make sure the ATM was back up before I wasted another hour round trip and there seems to be no way to talk to someone at the actual branch. It was recommended that I go there to let them know before 5... I dont for the life of me understand why there are not more ATMs that we can deposit at since there are no actual branches with tellers. I also dont understand why I cant talk to someone at the Annapolis branch to confirm the machine is working or let them know about an issue- I have now been on hold with the general number for 30min. read more

Service has gotten progressively worse over the 15 years I've been a member. Back then, you always got a live person in 3 rings or less. Now, I'm on a 10 minute wait on the 1-800 number to activate a debit card, and the website doesn't show that card available to activate...but instead shows 2 other cards that are already activated! And they dropped my umbrella policy recently. And their online brokerage service is very rudimentary. What's hard to understand is that they've gotten bigger, and service has gotten worse. Normally, bigger means they have a wider customer base to defray technology investments across. read more

I have been a good loyal customer of USAA for 6 years! Checking, Auto, Renters, and Umbrella. Last year my wife was lightly hit in the rear by a 17 year old driving on a permit by himself. Clearly his fault. Now, at renewal, they want to take away Premier driver discount and raise premiums $75 a month!!! I will definitely be looking elsewhere and chances are USAA will lose all of my insurance business. Update: 09/04/2018 - all of my insurance business that I had at USAA has been placed elsewhere. read more

I was a USAA customer for 30 years, but no longer. I checked my car insurance rates with 5 other top level companies and none were as high as the predators at USAA. I saved fully half when switching to a top rated firm. That means USAA was 100% more expensive than my current provider. I begged them to be competitive, even sending them the competitive quote. They responded by challenging me and suggested that I somehow wasn't being truthful. Seriously! In 30 years, I NEVER had a claim. I'm the perfect insurance customer - except for USAA. The thing that really irritates is that they do this to our service men and women who deserve every concession and consideration. Avoid USAA, save money and don't support these predators. You'll save money and feel good about it! read more

Just want to help anyone out there who is wondering if this branch is still open. YES! It is! The frustrating part is that the local phone number listed for them reroutes you to corporate, and THEY can't even call this location directly! Some of the field representatives don't even know it exists. We were specifically told by someone at USAA that it had closed. Since we were already 1/2 way there from D.C., we decided to check. Sure enough: OPEN!!! read more

Buyer beware!! If you think you are purchasing "Roadside-Assistance" from USAA, YOU ARE NOT! You are actually purchasing "Roadside-Insurance". Unlike having a AAA membership and using their services, when you use USAA "Roadside-Assistance," you are actually initiating and INSURANCE claim that is reported as such. Meaning...when you seek quotes from other insurance companies, the quote will reflect your driving record and ALL the "claims" filed with USAA. However, at NO TIME when they enroll you into their "Roadside-Assistance" (Insurance), do they inform you that it generates an "insurance claim." They are misleading customers, and should be sanctioned! I served my country with pride and sustained injuries doing so. I [THOUGHT] USAA was providing a true benefit, when in fact they prey off of the very people who provide the freedoms they enjoy! Because I used what I thought was [assistance] several times over the last 7 years, and because of the INSURANCE claims it generated, the cheapest full-coverage insurance quote I've been able to get for a 2013 BMW 335i, and 2012 Ram 3500 dually in the state of MD...$800 per month!! USAA should be ashamed of themselves...but they're NOT! read more

USAA has been by bank for the last decade. I use banking, investments, and insurance. After recently moving to Virginia, I was glad to see that this branch was available to me after a short drive. It beats waiting a few days for an "official check". I walked in got my checks, changed my address and insurance in under 30 minutes. Great service! read more

I hit a vehicle that ran a stop sign and the driver is insured through USAA. USAA accepted all liability. This occurred on the 25th of July and the total loss department hasn't returned any of my calls or messages left. The only department that had is the medical claims department and he kept telling me that he can't help me get in contact with them. It's clear why. They're job is to take as little of a loss as possible. What they did was low ball me on the value of my car, sent me a letter to accept the value which is $3,500 lower than the comps they listed, and not answer any of my phone calls to force me to accept the ridiculous value they listed my vehicle at. Problem for them is I don't need money to buy a vehicle. So I bought a new Truck and retained an attorney. My attorney calls me today and says that after a week and a half she hasn't received any correspondence of any type from USAA. I call my insurance company and ask them to help and they call a week later and say after all their messages they haven't received any contact with USAA. What a crap company. They ignore you to try to force people's hands that don't have great credit or money to be able to purchase a vehicle without accepting a lowball figure for their vehicle. My attorney and my insurance company told me that this would happen, that USAA is the hardest company to deal with. read more

USAA Financial Center - Banks & Credit Unions Near Me - Annapolis, Maryland

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USAA has had my back for insurance for years, so I was happy to try them for an auto loan. Huge mistake. It has now been three weeks of paperwork drama because the company has issued me the wrong paperwork for the wrong state, issued me the wrong paperwork for the kind of car I bought, and lost documents I sent via fed ex and had tracking info for. The dealership even called them to complain and find a fix, but there is absolutely no institutional memory in the loans department (every time you call a new customer service rep tells you something different or can't find your old issue ticket). They apologize profusely each time, but still make ridiculous errors, like writing on their internal paperwork the car is used vs. new, having it registered in wrong state, etc etc. Truly awful experience so far. read more

Dishonest, predatory and opportunistic. Constantly trying to engage in profiteering by arranging transactions in a manner that allows the bank to maximize the opportunities for collecting overdraft fees, and returned ACH fees. Hold policy on mobile deposits is absolutely ridiculous. For example, deposit a check of $1100. Initially the bank holds $600 while they "verify the availability" of the funds from the check writer. Yes, even on payroll checks that are easily verifiable. But, wait! It gets worse! They'll later increase the hold from $600 to $900 without notifying you or providing any plausible justification for it when you call them out on it. And why, might you ask, would they do this? Simple; to profit off of you. They're increasing the possibility that you'll withdraw more than they're making available. After all , you thought you had $500 available at first, remember? So, you maybe pay some bills and spend a total of $260, for example. Woohoo! Overdraft charges! USAA is all too quick to pounce and profits off your gullibility!!! Even better? They bold face lie to you and say it's your fault! They can't refund you the fees because they don't want to. But they'll spin it like it's just impossible and scold you for believing you had unheld money to spend. Truth is, they can refund their dishonest fees and release holds whenever they want. They just don't to increase their profits. And I'm sure an executive will deny this up down and sideways and spin these shady practices like it's the consumers fault. But, honestly, we had a chance to opt out of NACHA, the agency which makes wire transfers and other ACH transactions take forever in 2014 in favor of a system that allows same day debits, credits and wire transfers. It's how the rest of the world outside America operates. The big banks here opted not to because they feared an exponential rise in potential fraud claims and decreased profits from the loss of NSF charges. And USAA is the worst in this regard. It's crap and they ought to be ashamed of themselves. They'll even insinuate that you're lying if you report fraudulent transactions. Thanks, guys! read more

The reason for only 2 stars is as a result of the branch closings USAA has undergone in the last 2 years. Who wants a bank where the nearest place to deposit cash is more than 45 minutes away. They used to have a location approximately 5 minutes away from the Pentagon. That location closed last year and now the ATM (where you could make deposits) closed this month. You have the largest military contingency in this area and you close your doors...this is beyond ridiculous!!! I will definitely look for other banking options. Not sure who is making these corporate decisions but someone needs to re-evaluate their customer service policies. read more

Horrible assistance on the phone by there travel experts. What a joke. They put me on hold over an hour. Don't get sucked in and sit on the phone for an hour to have someone say they can't help you read more

This review is about USSA BANK. I would not advise anyone to to trust this brand due shutdown doors to increase my credit balance they would not allow me to add money to my American Express card. They shut down my card without my permission while I had money on my account. They have HARASSING me everyday calling my phone for 1 month .DO NOT TRUST THEIR PRACTICES. read more

FOR THOSE GOING THRU A SEPARATION, do not call your Insurance, they will automatically make changes to your policy without your permission. Typical, You pay for years and then when you need someone to have your back, they are not there. I truly hope they are supporting its members as they say they do. Unless the CEO has gone thru a separation, he/she has no idea what implications their policies have. I thought they were better a company & had more character but they are just like every other. Very disappointed. read more

I'm moving to Philadelphia in a few weeks and I had to call USAA to get everything in order for my auto insurance. I was a little nervous about the price sky rocketing, with my young age and moving into the city and all. But the rates I received were amazing, the customer service like always was a breeze and I dealt with real people, people that were genuinely trying to help me. I will never switch because they always take care of me! If you can get insurance with them, you won't regret it!! read more

I was really excited about USAA finally having a physical location near me but when I went there, although the woman was friendly, they only deposit cash through the ATM and couldn't do a bank transfer to a non-USAA account, I have to do it online. So as far as 'full service' goes I don't quite know what service they actually provide, because my needs seemed pretty basic. Guess my hopes were too high. read more

I've been a member for 15 years and have had to file 3 or so claims since then. USAA customer service is top notch and I would venture to say that you'd be hard pressed to find another company with employees as awesome as they are. When I owned my first two homes, USAA always was the company I had my home insurance and personal property insurance through. Their rates are so much cheaper than other companies. If you qualify to be a member (you or a family member must have served in the armed forces), you should check out their rates. You can't find cheaper auto insurance either. One star off for not having banking branches/ATM's everywhere. I've only ever seen one bank and it was at West Point, NY. You can however, download their app or go to a UPS Store to deposit checks, and they do refund your ATM surcharges when you use other banks, which is unheard of these days. read more

I've been banking with USAA for auto insurance, homeowners insurance, and credit card for about 4-5 years now. Every time I need something like a new card or a new insurance policy, I just give them a call and it gets resolved so easily. The staff that takes phone calls is great. I wish more companies would operate like USAA. read more

Worst bank ever not bad on everything except mortgages. But that's the most important thing about a banking. I cut all ties with the USAA because of how poorly they manage my mortgage. They cost me thousands. I Would not recommend them to my worst enemy. read more

I do everything with USAA. Bank, financial services, and home/auto insurance. The website is easy to use and makes it so you don't have to visit a branch. You can even use an app for your phone to do banking...even deposit checks! The Annapolis branch is handy, but I really don't use it. read more

My bf is ex military and we have absolutely everything with USAA. Home and car insurance,banking and car loans. We weren't thinking of getting a new car anytime soon but who can say no to a 2% interest rate score. When the bf had a car accident they were prompt and courteous and my bf car looked brand spanking new. Also since I'm a student they give me a reduction on my car insurance AWWWesome. I really like that you can take out money from any bank. Overall I love USAA wouldn't change them for the world only con hey have no physical banks. But ehh for the money I'm saving who cares. read more

Its very close to the Naval Academy like a stones throw away...and located in the middle of downtown annapolis! The staff was nice helpful and helped me quickly and efficiently to take care of all my banking needs. I live in crofton and this was alot closer than going to arlington! EIther way both branches are great! I love USAA & im glad they have branches available now especially in this area! read more

They pay out 3/4 of the losses incurred by a customer. The diminution in value claim review resulted in a an assessment of my loss equal to $1176 provided to me on the 25 September 2019. I strongly disagree with this assessment. 1. The foremost factor is that my vehicle has an accident on its title, before the accident it had a clear title. 2. My vehicle is an electric vehicle that has a lithium-ion battery in the rear portion of the car, where the impact took place. 3. Carmax has appraised my vehicle at $20000. Additionally, 2017 Toyota Prius Prime Premium with similar mileage and most importantly a clear title costs $24998. 4. The original USAA representative, who I talked to at the time of the accident, assured me that my vehicle will be restored to the original condition that it was in prior to the accident. I want a vehicle with a clear title and I would have to incur additional expenses such as 6% Maryland sales tax, $299 dealer fees, and approximately $329 MVA registration fees. 5. The numbers indicate that the loss in value that I have incurred is equal to: $24998 - $20000 + 6% MD tax + $299 + $329 = (approximately) $5925.88. read more

Trying to communicate with USAA over the phone is basically impossible these days. You have to know at least 5 different codes or else they won't help you. So of course you have to take that information with you wherever you go, and also make sure all your emergency contacts likewise know that information or else USAA will not help you. Did you know that? You better because if you can't call them, most likely none of your emergency contacts will be able to reach them. But of course they call you any time, but once they reach you, they won't tell you why they are calling until you answer those 5 questions. Absolutely ridiculous. Also, just try to email them, oops, they don't have email. If you get an email from them and try to reply to it it bounces right back as undeliverable. There is no email listed anywhere on their website that you can use to reach them, but they will email you all the time. A one way communication that exemplifies their substandard customer service. Do a Google search on USAA complaints, and you won't believe your eyes. Page after page of horror stories. And no response from USAA on how they are making all these things right. read more

USAA motto: the insurance company that caters to military member should change to the insurance company most likely to take advantage of the military member. As a military member, I have been insured with USAA for over 20 years. After purchasing a home over 6yrs ago we experienced one of our most devastating lost, a flood in our home. My family (to include my pets) were suddenly without living quarters, you cannot imagine the horror but can only hope that in starting the rebuild process your insurance company will guide you through the process. That was not the case with USAA. I was seriously disappointed in the assistance me and my family received over a 6-month journey that continue with no end in sight. We've dealt with rude, unconcerned USAA adjusters, substandard contractors, failed payment in a timely manner to USAA to contractors (causing work stoppage). We have also experienced denial payment for living expenses, utility etc. Initially we depended on USAA to relocate our family. WE contacted their contractor ALE who did nothing for us. USAA contractor ALE was not capable. After several calls, with limited to no choices (ALE office is in Utah, we live in the DMV). ALE had no idea what communities existed in our area or what we needed as a family with pets. We were forced to find a place to stay/movers, to move the few things we needed ourselves. USAA did reimburse us for the move. during the rebuild/displacement we never met USAA adjuster. He never came out, never gave us any direction or information concerning the process: what we were entitled to what to expect from USAA or its preferred contractors. To add insult to injury, USAA preferred contractor were outstandingly expensive. over $60,000. dollars were issued out for cloths dry cleaning. I did not know I had sixty-thousand-dollar worth of clothing items. Over $80,000. dollars were issued to USAA contractor Capezio. Evidence of Capezio substandard work existed throughout the home, bad mudding/taping to the replaced drywall, water damaged drywall painted over, no prepping was done so paint was applied to dust and dirty walls. door knobs, hinges, electrical plates curtain hooks etc. were painted over, molding put in place that looked warped or uneven. Even after addressing my concerns with the contractor as well as USAA adjuster the work continued as if the discrepancies did not exist. I later reached out to USAA office, hoping to be heard. there I was given options when having issues with the work that was done. Again, my assigned USAA adjuster never came out to look at the work or address the contractor in any way and we were 6 months into a job that was to take 3 months. Although monies were free flowing to USAA contractors, that was not the case for me and my family. while displaced from our home, monies were denied for minor living expenses, $600.00 for food due to the initial loss. buying items, the first month inside the temporary housing USAA adjuster denied the cost. I continued to pay the mortgage on my home and all its utilities. but I also had the cover the co utilities at the rental apartment. I was also forced to pay the rent a couple of times at the apartment when USAA failed to submit payment in a timely manner. this reminded me of the commercial where the couple talks about dipping into their savings because their insurance company doesn't completely cover their loss. I've had two adjusters since the loss six months ago. The first adjusted failed to make payments on time, denied me and my family minor living expenses and was unavailable. he didn't work with us to find housing or address any issues with USAA preferred contractor (we caught on camera the 1st contractor South Rivers, letting people come in and out of our home who were part of the company. we also saw the person inside the home after hours). USAA adjuster never investigated the matter when we brought it to his attention. The second adjuster was just as bad, only he comes with an attitude. must be the training. this USAA adjuster was abrasive in getting his point across when denying payment. I guess he felt, if I'm fearful I'm less likely to ask for what I am entitled to as an insured member...USAA Yet the large sums of monies given out to their preferred contractors without questioning/inspecting the paperwork for cost or to see if the work was done to specification. but that's not the case when money is to be issued to the insurer. USAA will deny the smallest amount and its motto is "Cater to the military member", right. read more

Opened a dispute because I was double charged at a bar. USAA closed the ticket wihtout reaching out to me. When I called to get an explanation I was transfered SIX TIMES before I made someone talk to me. Incompetent employees who don't know what their job is. In the end they denied my dispute because I didn't keep the paper receipt. Who keeps all their paper receipts?! read more

I've been a member for 25 years. I've had one accident that was not my fault, and two that were not collisions but needed help to fix my car (Parking lot scratches that people failed to advise me about) and driving into an unmarked ditch and the landfill. They were outstanding about getting my car looking like new again. USAA is the cat's meow. read more

I took my SUV to Safelight based on my insurance (USAA) preferred customer referral. The work done on the shattered back window (hatch back) was done fast and sloppy. I took the SUV in around 12pm. I got a call from Safelite receptionist at 2pm stating that the SUV was done. I arrived close to 5pm, paid in full and picked up the vehicle. Upon inspecting the glass I noticed the large puckles and opening around/between the glass and the rubber. I brought it to the technician's attention as he was closing and asked him not to close but to look at the vehicle. He continued closing the store, set the alarm and came out. He looked at the openings/puckles around the window and stated "that's your vehicle it's warped and there was nothing we can do about it". I pointed to the open rubber around the window that was not sealed to the glass. He got in his vehicle and began to start it up to leave. I started taking pictures of the incorrect work done on the window. Noticing this, he then offered to work on the window the following day. The following day I called for the status on the SUV and was told it was ready for pick up. I asked if they fixed it. The receptionist stated "they did the best that they could do." and I knew it wasn't fixed. When I picked up the SUV, the seal on the window (hatchback) looked terrible, bubbly and out of sync. In addition the lock would not catch on the widow. I asked to speak to the manager who stated "that was the best that he could do." He was unwilling to work toward correcting the problem or refund my money. I called my insurance company USAA and was connected to their window department, a different section within the company. I was transferred to what was referred to as the executive part of the glass company. Then I learned that the glass company within USAA was Safelite. This sort of explained the manager's arrogant attitude when I said I would contact my insurance agency...he was like, so. The executive section offered to come out to see if they could to fix the window. They also offered to contact the manager in order for me to talk to him. I'd already talked to the manager and found no solution. It had been two days. I just wanted my money back so that I could take my vehicle where I knew it would be fixed properly, they refused. Thanksgiving was the following day and my plans to drive the SUV out of town were ruined. Sick, I couldn't discuss the matter any further. I won't ever use Safelite again or depend solely on USAA insurance company for recommendation without researching the company first. I prefer a job well done over a rush job that is done sloppy and incorrectly. read more

We have everything with USAA and cannot say enough good things about them! They are hands down the best financial company out there! If you can't use USAA you should join the military just so you can! You will not regret using them for everything! read more

they charge higher premiums for insurance but it is worth it. I had to file a claim after a serious accident they were responsive and paid my medical bills. also home insurance-- premiums are high b/c our house is older---though fortunately we have never filed a home owners' claim. read more

Got hacked a couple years ago. Now anything I do with USAA is like pulling teeth because of all this extra security my account has been put under. If I ever have to call in, it takes like a hundred tries to get simple problems fixed. read more

The absolute worst service I've ever had from a credit card company. While trying to sort out a fraudulent charge on my account I've spent countless hours on the phone, first waiting to even speak to someone, then being transferred from department to department and it's never the right person to speak with about the problem. After three months of phone calls, filing affidavits, etc., this charge is still on my bill and I have to make even more phone calls to another department. As soon as this matter is finally resolved I will cancel this card and never do credit card business with them again. By the way, each phone call involves at least a 15-minute wait before someone actually gets on the line. read more

I do everything with USAA. Bank, financial services, and home/auto insurance. The website is easy to use and makes it so you don't have to visit a branch. You can even use an app for your phone to do banking...even deposit checks! The Annapolis branch is handy, but I really don't use it. read more