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VFFSSGT
06-09-2012, 07:21 PM
It seems like many people I know are fleeing USAA, with both banking and insurance. Several years ago I wouldn't have thought about going anywhere else, but the last 4 years or so it seems they have gotten less and less competitive.

I recently closed out a credit card I had with them and their only tactic really to try to keep me was fear/scare tactics.

First, the regular representative couldn't help me close the account. I had to be transferred to a "specialist." He tried to run my credit to attempt to lower my rate but I told him they had their chance. He then was all like you are going to hurt your credit score by closing the account... It took like 15 mins to shut him up and just close the account. Maybe it's just me but if I really wanted to keep someone's business, I would lower the rate without all the BS especially when the customer has a much lower rate card and has the histoy with it to maintain the credit score.

See, I have been setting up this closure for a couple years. I got the lower rate card with a Credit Union sometime ago. I tried over that course of time to get USAA to lower the rate but they wouldn't. Plus the CU card is fixed and USAA is or was variable. I knew closing an account with long history will have a slight impact on the credit score. That's why I kept it open...while I established the history with the CU card.

Darn, I cannot use Deposit@Mobile anymore... :( If you don't know you have to have a loan or CC with them to use that service.

While I haven't found cheaper insurance YET, I know many people have with other major carriers.. And the quotes I keep getting have been better and better over the last few years...it's down to like a $50 difference over 6 months.

That check they give every year use to be substantial too...the last few years I have only been getting back pocket change.

Oh yeah, almost forgot...no personal experience, but NEVER have heard a good word about their mortgages.

imported_blacksheep1208
06-09-2012, 07:23 PM
I have my renters insurance through them and they kept hounding me about car insurance. I finally let them give me a quote and it couldn't match GEICO. The only reason I keep the renters insurance with them is because I'm a lazy person and it doesn't cost that much.

tiredretiredE7
06-09-2012, 07:33 PM
It seems like many people I know are fleeing USAA, with both banking and insurance. Several years ago I wouldn't have thought about going anywhere else, but the last 4 years or so it seems they have gotten less and less competitive.

I recently closed out a credit card I had with them and their only tactic really to try to keep me was fear/scare tactics.

First, the regular representative couldn't help me close the account. I had to be transferred to a "specialist." He tried to run my credit to attempt to lower my rate but I told him they had their chance. He then was all like you are going to hurt your credit score by closing the account... It took like 15 mins to shut him up and just close the account. Maybe it's just me but if I really wanted to keep someone's business, I would lower the rate without all the BS especially when the customer has a much lower rate card and has the histoy with it to maintain the credit score.

See, I have been setting up this closure for a couple years. I got the lower rate card with a Credit Union sometime ago. I tried over that course of time to get USAA to lower the rate but they wouldn't. Plus the CU card is fixed and USAA is or was variable. I knew closing an account with long history will have a slight impact on the credit score. That's why I kept it open...while I established the history with the CU card.

Darn, I cannot use Deposit@Mobile anymore... :( If you don't know you have to have a loan or CC with them to use that service.

While I haven't found cheaper insurance YET, I know many people have with other major carriers.. And the quotes I keep getting have been better and better over the last few years...it's down to like a $50 difference over 6 months.

That check they give every year use to be substantial too...the last few years I have only been getting back pocket change.

Oh yeah, almost forgot...no personal experience, but NEVER have heard a good word about their mortgages.

VFFSSGT,

I don't blame you for dumping USAA. However, their representative was correct about closing the account and the impact on your credit rating. I recently paidoff two credit cards and closed the accounts instead of keeping them open in a "frozen" status. The credit hit comes when a creditor runs your credit after you close your accounts. They can no longer see the payment histories on the accounts you closed so you lose credit "history". The amount of impact is negligible if you already have other accounts open, especially if they are open longer than your closed accounts. My credit rating went from 805 to 750 so it really did not affect anything on the recent loans I was approved for. Another issue is any account that you close that have a negative history such as bounced checks, late or missed payments will show up on your credit history even though the account is closed.

You won't see the impact on your credit rating for at least another 3 months.

imnohero
06-09-2012, 07:47 PM
Banking and finance is such a personal choice that it's hard to say why people leave one bank (or insurer) for another. What rates you get (and who is competitive) depends on the individual circumstances.

For myself, I've found USAA to offer the best rates on auto/home insurance with the coverages I carry. Life insurance, they couldn't even come close to the VGLI rates. I can't say I'm thrilled at their loan/credit card rates, but I haven't found substantially lower rates anywhere else. The representatives are helpful and don't give me the "hard sell" on their other products. As a mortgage servicer, they are spot on, at least from my experience.

But like I said, financial institutions are a rather personal experience. Your mileage my vary.

PickYourBattles
06-09-2012, 08:00 PM
Not a fan of USAA. They've had my car insurance for twenty years, I paid off two car loan with them, I had six figures in an investment fund before I liquidated it, and I have a credit card with them.

Went to them for a mortgage on some land after more than ten years as a customer. They weren't competitive.

Went to them for another mortgage for a property, after I had paid off the first mortgage on the land, they still weren't even close to competitive despite having great credit and a paid off mortgage on the land, and two paid off car loans with them.

Went to them for rental insurance for the house after I bought it, but they wouldn't cover it because I rented out to four individuals for the four rooms, who stayed on average only 5 months each.

Went to them for a third mortgage after the other two were paid off, same story. I think it's good that banks don't just hand out mortgages to anybody, but in their case I think it's less a risk decision and more a calculation they can make money off military folks who trust them by offering higher rates that many will take.

Went to them to add to my car insurance coverage for 30K worth of bullet proof glass. They couldn't cover that modification (they limit coverage to something like 5K in mods), despite me being of course willing to pay a higher premium. Not to mention the glass and mods make my car much less likely to be stolen than other cars, which helps their risk for the basic auto coverage. But no dice. I could buy a super expensive car and they'd cover that, but having a normal car with great security mods was just too much.

One time I tried to pay off the balance of my credit card (almost 20K), and it went through. Then I took a look at the website and it didn't register the payment, so I wasn't sure it went through because it wasn't reflected. So I tried paying off the balance again an hour later. Then it showed two payments of nearly 20K, which was more money than I had in my checking account with my other bank. So I immediately contacted them and asked them to cancel the second payment, which was only made because their website didn't reflect me paying off the balance, and so I thought it hadn't gone through. Turns out their website is a bit like playing Super Mario Brothers if you want to find all the info, it's hidden in various places. Had I hit up, down, up, down, B, A, start, I would have seen the original charge on there (instead of the main area that shows payments). Despite immediately contacting them and several more times, they could NOT stop the second balance payment from going through, which resulted in bouncing my other bank's checking out several days later.

Not a fan of USAA. Not a fan of any bank actually. I think the credit union is the way to go, and I'll be moving to one before long.

JD2780
06-09-2012, 08:08 PM
Just getting to big for their pants. They used to be a small decent banking organization, but now they're no different than anybody else.

LogDog
06-09-2012, 08:10 PM
I use USAA for home and auto insurance only and I'm satisfied with their service. I knew an insurance man when he found out I had USAA for my car he said they're probably the best company in the business because if you have a claim with them they don't hassle with you on your claim they just pay it. I totaled my car on the way to the SNCO Academy and everything was taken care of them over the phone while I was at there. In the end, they paid me more than what I paid for the car (used) as well as taking care of the towing/storage fees over a 3-day weekend.

As for a credit card, I don't have one with them because I've had one for decades with my local credit union and I don't want to lose that credit history. Also, since I pay off the balance monthly the interest rate isn't a concern.

Nic
06-09-2012, 08:57 PM
They screwed me on one of my IRAs . I opened 2 at the same time and deposited $4k into both. Next year I put in $4k in both of them. Couple years later The market crashed and I was losing more in them then what I was making a month. I went to get my money out of them and they said one was a Roth the other was a traditional. I called BS and they said they would "Review the tapes" It came out to about a $1000 difference in penalties. They never "found the tapes" which I said to have them both Roths.
When I get back to the states Im dropping them. F them.

Jamethon
06-09-2012, 09:52 PM
The car loans are not competitive what so ever. I got a quote for a new(er) car and they wanted 15 percent interest on the loan. I went through the car dealership and I got 3 percent. It was just outrageous that they even thought 15% would be something I could be interested in.

Airborne
06-09-2012, 10:12 PM
Might have to do with the current economic climate. Also, it seems like the criteria to be covered are less strict than they used to be. It seemed like it used to be military and their families. Now its, if your third cousin twice removed served in the war of 1812 then youre good. They are good if you are overseas though.

Tak
06-09-2012, 10:22 PM
USAA is the best

Red Mustang
06-09-2012, 10:36 PM
I love USAA. I have a new car loan at 2.5% (bought three months ago) and the car buying service was a great experience. I have most of my accounts with them, to include my Roth and kids college funds. The credit union I have been a member of for almost twenty years doesn't compare. Also, after going through hurricane Katrina, they covered my car damage and replaced my refrigerated food loss in record time and without a hassle. They have always been professional and given me great service...they have my loyalty.

Nickymaz
06-09-2012, 10:47 PM
I've had nothing but great experiences with USAA. I had Bank of America when I first got in and they screwed me over big time, USAA has been a pleasure to do business with.

Robert F. Dorr
06-09-2012, 11:17 PM
USAA has declined since we first were able to become members in the 1970s. And remember that when they were doing well, they didn't bother to advertise.

omertalifestyle
06-09-2012, 11:24 PM
I've had USAA since about 2009. I was fed up with BOA and their scam practices. We did recently switch our car insurance over to progressive, but that's just because when we PCSed, we notified USAA of the move and they raised our rates because our new location was far more dangerous when it comes to vehicles(I personally think it's BS since I was forced to move here). However I've refinanced both vehicles through USAA and found almost 350 dollars in savings by doing so. I also transferred a CC balance to them and my interest lowered considerably. So I am actually starting to see the balance go down.

Kegler
06-09-2012, 11:34 PM
USAA is great for a young Airman just starting out that does not have continuous auto coverage. They do not hold it against them like the rest of the companies do. My sons insurance was substantially lower with USAA than any other company he contacted. Plus...they will storage insure the vehicle for a small amount without having to deregister the car during a deployment. Most other companies wont do that.

As for us...the auto insurance quote was slightly lower...but they couldnt touch my homeowners by a substantial amount.

Capt Alfredo
06-10-2012, 12:24 AM
30K in bulletproof glass? I didn't know Scarface was on these boards...

PickYourBattles
06-10-2012, 12:34 AM
30K in bulletproof glass? I didn't know Scarface was on these boards...

That's exactly it. I like chicks with big hair, 80s music montages, and just before the shooting starts, I say "Say hello to my little friend," and hand the cop who has no concern for the law, a copy of the Constitution.

I'm not Scarface. I'm just a regular guy who wants to be safe from increasingly militarized and almost completely unaccountable police, and who fortunately had the means to purchase this ride: http://www.texasarmoring.com/armored_bulletproof_mitsubishi_eclipse_gt.html

For those in San Antonio, I highly recommend touring the TAC armory. Just give them a call and they'll show you around. Very very cool, and you'll see some of the best cars being armored for the most impressive clients. You should ask for a demo of the smoke screen generator and the road tacks...


http://www.youtube.com/watch?v=R78IJKgsvkI

Capt Alfredo
06-10-2012, 12:46 AM
I'm sorry, man, but no "regular guy" drops 30K on bulletproof glass or prepares his ride for the zombie apocalypse like you. It's your money, so rock on, brother, but, as the kids today say, I'm SMH.

PickYourBattles
06-10-2012, 12:49 AM
No "regular guy" drops 30K on bulletproof glass...

Please elaborate. You mean no regular guy does because a regular guy doesn't have the money? Or do you mean something else?


...I'm SMH.

Shaking your head in disapproval, why?

It makes me and my wife safer. The world is less safe if you haven't noticed. The U.S. is less safe, and getting less safe especially for those of us who live on the border of Mexico and its drug violence. I take a look at the economy and the finances and the state of affairs in America, and I predict it will be much less safe. Because my look at the economy and finances had led me to make a little money, I've been lucky enough to be in the position to invest in something that makes it a bit safer for myself and my wife when we travel.

Regular guy (http://en.wikipedia.org/wiki/The_Shelter_%28The_Twilight_Zone%29)? Maybe not. SYH, why?


http://www.youtube.com/watch?v=-llF-oVtlPQ

Robert F. Dorr
06-10-2012, 12:53 AM
I'm sorry, man, but no "regular guy" drops 30K on bulletproof glass or prepares his ride for the zombie apocalypse like you. It's your money, so rock on, brother, but, as the kids today say, I'm SMH.

There's a letter in the Washington Times today from a lieutenant general in charge of "defeating" improvised explosive devices. Only in post-Orwell America can you "defeat" a device, Ever eager to expand his empire, he claims that there are 500 incidents around the world outside Iraq and Afghanistan and that terrorists will bring improvised explosive devices to our "homeland." You can bet they'll have a good job waiting for him on K Street when he retires. If there is any other reason to make like Tony Montana, it eludes me. The scariest thing on the road is people texting, not roadside bombs.

Capt Alfredo
06-10-2012, 01:05 AM
Please elaborate. You mean no regular guy does because a regular guy doesn't have the money? Or do you mean something else?

Both. No "regular" person is as paranoid as your behavior would suggest. I can think of a lot of things a regular guy would spend 30K on, but "up-armoring" his sedan isn't one of them.


Shaking your head in disapproval, why?

Not disapproval, disbelief. It's your money, so it's not my place (even on the internet!) to disapprove of your choices.


It makes me and my wife safer. The world is less safe if you haven't noticed. The U.S. is less safe, and getting less safe especially for those of us who live on the border of Mexico and its drug violence. I take a look at the economy and the finances and the state of affairs in America, and I predict it will be much less safe. Because my look at the economy and finances had led me to make a little money, I've been lucky enough to be in the position to invest in something that makes it a bit safer for myself and my wife when we travel.

Not sure I buy that argument. After all, you DO have to get OUT of the car at some point. It may make you safer from random gunfire (or even targeted fire), but perhaps (and I have done exactly zero research on the matter) a heavier car makes it MORE dangerous in a collision to yourself or others. Or perhaps your increased fuel consumption makes our little middle eastern wars of choice (tm) a little more likely. Maybe. But maybe not. Your choice. I'm shaking my head only because I don't think I've ever "met" anyone who exhibits your mentality before. It's amazement, not disapproval.

Capt Alfredo
06-10-2012, 01:08 AM
There's a letter in the Washington Times today from a lieutenant general in charge of "defeating" improvised explosive devices. Only in post-Orwell America can you "defeat" a device, Ever eager to expand his empire, he claims that there are 500 incidents around the world outside Iraq and Afghanistan and that terrorists will bring improvised explosive devices to our "homeland." You can bet they'll have a good job waiting for him on K Street when he retires. If there is any other reason to make like Tony Montana, it eludes me. The scariest thing on the road is people texting, not roadside bombs.

You must be referring to JIEDDO. I think we as a country would be irresponsible to not use our technological advantage to render the devices less effective. That doesn't mean the overarching strategy is sound...just that "we" can't do nothing when we have the means to do "something."

PickYourBattles
06-10-2012, 01:16 AM
Both. No "regular" person is as paranoid as your behavior would suggest. I can think of a lot of things a regular guy would spend 30K on, but "up-armoring" his sedan isn't one of them.

Got ya. So we have terrorist attacks in the U.S. and intel that says troops here, and their families, are at risk of terrorist attacks (at least in certain targeted jobs). The FBI arrested an AQ member at a university not even a year ago, who was within two hours of my base. Full disclosure, I got the car to protect me from domestic terrorists wearing badges, but law breakers are law breakers and it all factors in.

So what would a regular guy spend his 30K on, given this situation? And consider this regular guy has necessities met, doing well. What would a regular guy spend his money on then, if not to protect himself and his family? And should we shake our heads at that regular guy because he didn't buy a bunch of Xbox 360s, or a new car, or put an expansion on his house, or dig a pool but took the "irregular" step of protecting himself and his wife while on the road?


Not disapproval, disbelief. It's your money, so it's not my place (even on the internet!) to disapprove of your choices.

But you have. SMH.


Not sure I buy that argument. After all, you DO have to get OUT of the car at some point.

That's true. As a pilot, I have to get INTO the jet at some point and fly missions where I may be shot at, so why put on a seat belt when driving to work prior to the flight?


It may make you safer from random gunfire (or even targeted fire), but perhaps (and I have done exactly zero research on the matter) a heavier car makes it MORE dangerous in a collision to yourself or others.

It's not much heavier. Spectra Shield is great stuff. It's like two fat girls riding in the back, so it's not dangerous. Unless I have two fat girls also riding in the back.


Or perhaps your increased fuel consumption makes our little middle eastern wars of choice (tm) a little more likely. Maybe. But maybe not. Your choice.

That's a real stretch.


I'm shaking my head only because I don't think I've ever "met" anyone who exhibits your mentality before. It's amazement, not disapproval.

Just come out and say it. You are already saying it, so just be clear and own it.

Robert F. Dorr
06-10-2012, 01:18 AM
You must be referring to JIEDDO. I think we as a country would be irresponsible to not use our technological advantage to render the devices less effective. That doesn't mean the overarching strategy is sound...just that "we" can't do nothing when we have the means to do "something."

We do have a responsibility. Indeed we do. Far too many young Americans have been blown up. The one percent have given far too many of their sons and daughters, or at least pieces of them, in detonations on roadways. But to attempt to neutralize these devices we're spending hundreds of times what it costs to plant them in the road and, like the Soviet Union before us, are in danger of spending ourselves into oblivion. We're in our eleventh year in Afghanistan and appear to have achieved only modest success against improvised explosive devices. It's possible we may never find a very effective solution. Our first responsibility is to provide for the common defense. No more women's programs, no more schools, no more anti-narcotics. We end any program in Afghanistan that doesn't directly kill core al-Qaeda members -- and bring everyone else home. As for the general's suggestion that improvised explosive devices will appear here, it's classic empire-building. No one could ever set such a device around here because of the volume of traffic in Fairfax County.

Capt Alfredo
06-10-2012, 01:33 AM
Got ya. So we have terrorist attacks in the U.S. and intel that says troops here, and their families, are at risk of terrorist attacks (at least in certain targeted jobs). The FBI arrested an AQ member at a university not even a year ago, who was within two hours of my base. Full disclosure, I got the car to protect me from domestic terrorists wearing badges, but law breakers are law breakers and it all factors in.

You. Are. Exhibiting. Paranoid. Behavior. In. My. Opinion.


So what would a regular guy spend his 30K on, given this situation? And consider this regular guy has necessities met, doing well. What would a regular guy spend his money on then, if not to protect himself and his family? And should we shake our heads at that regular guy because he didn't buy a bunch of Xbox 360s, or a new car, or put an expansion on his house, or dig a pool but took the "irregular" step of protecting himself and his wife while on the road?

Your choice. Obviously not one many others make.


That's true. As a pilot, I have to get INTO the jet at some point and fly missions where I may be shot at, so why put on a seat belt when driving to work prior to the flight?

Surely you're not suggesting that the incidence of traffic accidents is anywhere near the incidence of random dudes being shot up by your friendly neighborhood jack-booted thugs, are you? Did you steal plutonium from the Libyans a la Doc Brown? Either way, you should always wear a seat belt.


Just come out and say it. You are already saying it, so just be clear and own it.

That I think you're exhibiting abnormal levels of paranoia? That I think you revel in every little petty argument you can foment on this board? Guilty. At least you're adding to the economy by spending your money on James Bond 101 shit instead of stuffing your mattress with it. Bravo.

wxjumper
06-10-2012, 01:40 AM
Wow, has this gone off topic :kev

Robert F. Dorr
06-10-2012, 01:48 AM
The FBI arrested an AQ member at a university not even a year ago, who was within two hours of my base.

With the exception of two people who were detained upon arriving from overseas in airliners, I have not heard of the federal government arresting an al-Qaeda member in the United States since September 11, 2001. There have been plenty of guilty pleas (under great pressure) and convictions on conspiracy charges -- the Lackawanna six, for example -- and there has been a lot of entrapment of self-styled violent morons, but to the best of my knowledge no known al-Qaeda member. The wife of the skipper of the Vincennes notwithstanding, a violent crime at Fort Hood notwithstanding, to my knowledge there has never been an occasion when an international terrorist group has targeted a member of the armed forces within the United States.

If PickYourBattles is armored up because of a fear of the government in Washington or a fear of local authorities, then my reaction is, "Right on!" The same concern has been on my mind ever since the darkest day in our nation's history, January 20, 2001.

To watch almost thirty minutes of unbroken violations of Constitutional law by sworn officers in uniform, look no farther than the television program "Cops!" They use enormous resources to go after poor people who often have no teeth and may have a little weed in addition to a broken tail light. The police who appear on that show are a disgrace to the many good and careful police officers who do a good job every day.

mikezulu1985
06-10-2012, 01:54 AM
I love USAA. I have a new car loan at 2.5% (bought three months ago) and the car buying service was a great experience. I have most of my accounts with them, to include my Roth and kids college funds. The credit union I have been a member of for almost twenty years doesn't compare. Also, after going through hurricane Katrina, they covered my car damage and replaced my refrigerated food loss in record time and without a hassle. They have always been professional and given me great service...they have my loyalty.

Might want to be careful with the investment side of USAA. I carry just about all my acct with them EXCEPT my retirement accounts. Go over to Vanguard.com and compare the funds expense ratio you have at USAA to similar funds at Vanguard. I would wager you are paying 2-3x the expenses at USAA as you would at Vanguard. Over the long term a funds expense ratio can REALLY drag down the performance of your accounts by thousands if not tens of thousands of dollars.

OtisRNeedleman
06-10-2012, 02:10 AM
I've been with USAA for over thirty years. Staying with them until the day I die. Service is great. They bend over backwards to help. I like those dividend checks every year, and especially the Subscriber's Savings Account. I trust USAA more than I trust any civilian financial organization. And the bigger USAA grows, the stronger they'll stay. Remember, USAA management doesn't answer to bankers anywhere. There is no share price to maintain. I particularly like a quote from USAA, "If we can't understand it, we aren't going to invest in it." If other banks and financial institutions had that attitude maybe the sub-prime debacle could have been alleviated or averted.

I also want to weigh in with Capt Alfredo on the subject of purchasing $30K of bulletproof glass for a vehicle. In San Antonio? Please. Lived there five years, no problems in that regard. You just watch where you go at night, just like anywhere else. Domestic terrorists wearing badges? Please. No, something doesn't seem quite right here.

PickYourBattles
06-10-2012, 02:12 AM
You. Are. Exhibiting. Paranoid. Behavior. In. My. Opinion.

Your choice. Obviously not one many others make.

Are you a doctor? Didn't think so. But I'm guessing, I'm going out on a real limb here....that you're a, dare I say, liberal? I only ask that because I only hear people tell others they are paranoid if they are shrinks or liberals. Actually I only hear it from liberals, truth be told. Faith in government, the world is a happy place. You don't strike me as that type, so I'm confused why you'd ever so gently insult somebody for taking steps to protect himself and his family.

I'm pretty happy I haven't made choices that many others make. For some strange reason, that seems to workout for me. But you still haven't answered my question, am I not a regular guy because I made the choice to buy an armored car, or because I can afford an armored car? I wonder how many people would also buy armored cars if they had the money?? Nah! They'd just get truck nuts, because bullet proof cars are for wackos, like countless celebrities and professional athletes and politicians and CEOs (you know, irregular folks that "regular" folks do NOT want to emulate at all).


Surely you're not suggesting that the incidence of traffic accidents is anywhere near the incidence of random dudes being shot up by your friendly neighborhood jack-booted thugs, are you? Did you steal plutonium from the Libyans a la Doc Brown? Either way, you should always wear a seat belt.

I'm suggesting that just because the totality of your life cannot be made risk free, that shouldn't preclude you from taking steps to protect yourself and your family in the most common risk areas that you can have an effect on. I suppose there is no worry, the government will protect you?


That I think you're exhibiting abnormal levels of paranoia? That I think you revel in every little petty argument you can foment on this board? Guilty. At least you're adding to the economy by spending your money on James Bond 101 shit instead of stuffing your mattress with it. Bravo.

Ah! Got ya. Don Shrike has called a family meeting, now that explains the dumb comments by you. Carry on.

PickYourBattles
06-10-2012, 02:16 AM
With the exception of two people who were detained upon arriving from overseas in airliners, I have not heard of the federal government arresting an al-Qaeda member in the United States since September 11, 2001. There have been plenty of guilty pleas (under great pressure) and convictions on conspiracy charges -- the Lackawanna six, for example -- and there has been a lot of entrapment of self-styled violent morons, but to the best of my knowledge no known al-Qaeda member. The wife of the skipper of the Vincennes notwithstanding, a violent crime at Fort Hood notwithstanding, to my knowledge there has never been an occasion when an international terrorist group has targeted a member of the armed forces within the United States.

If PickYourBattles is armored up because of a fear of the government in Washington or a fear of local authorities, then my reaction is, "Right on!" The same concern has been on my mind ever since the darkest day in our nation's history, January 20, 2001.

To watch almost thirty minutes of unbroken violations of Constitutional law by sworn officers in uniform, look no farther than the television program "Cops!" They use enormous resources to go after poor people who often have no teeth and may have a little weed in addition to a broken tail light. The police who appear on that show are a disgrace to the many good and careful police officers who do a good job every day.

I do really get the feeling that our generation is dumber, and less American. They could be transplanted into North Korea and be just as happy as long as their credit cards weren't declined. Including (perhaps especially) those in uniform. Including (perhaps especially) officers. Sad.

http://www.washingtonpost.com/wp-dyn/content/article/2011/02/24/AR2011022407864.html

PickYourBattles
06-10-2012, 02:18 AM
With the exception of two people who were detained upon arriving from overseas in airliners, I have not heard of the federal government arresting an al-Qaeda member in the United States since September 11, 2001. There have been plenty of guilty pleas (under great pressure) and convictions on conspiracy charges -- the Lackawanna six, for example -- and there has been a lot of entrapment of self-styled violent morons, but to the best of my knowledge no known al-Qaeda member. The wife of the skipper of the Vincennes notwithstanding, a violent crime at Fort Hood notwithstanding, to my knowledge there has never been an occasion when an international terrorist group has targeted a member of the armed forces within the United States.

If PickYourBattles is armored up because of a fear of the government in Washington or a fear of local authorities, then my reaction is, "Right on!" The same concern has been on my mind ever since the darkest day in our nation's history, January 20, 2001.

To watch almost thirty minutes of unbroken violations of Constitutional law by sworn officers in uniform, look no farther than the television program "Cops!" They use enormous resources to go after poor people who often have no teeth and may have a little weed in addition to a broken tail light. The police who appear on that show are a disgrace to the many good and careful police officers who do a good job every day.

I think our younger generation just doesn't get it. We're so ready to let the store burn down, and we'll drink 4LOKO and talk about the latest Springer show while 300 years of freedom and liberty and the grand experiment burns.

RD, you are correct. Our government is the reason I armored up and have taken other measures. Those other threats are out there, but I consider none greater and more real to my liberty than our government agents (politicians, cops, military), populated with armed individuals who would be just as comfortable (perhaps moreso) working for the Chinese military.

http://www.washingtonpost.com/wp-dyn/content/article/2011/02/24/AR2011022407864.html

PickYourBattles
06-10-2012, 02:28 AM
I also want to weigh in with Capt Alfredo on the subject of purchasing $30K of bulletproof glass for a vehicle. In San Antonio? Please. Lived there five years, no problems in that regard. You just watch where you go at night, just like anywhere else. Domestic terrorists wearing badges? Please. No, something doesn't seem quite right here.

Good point. I decided to "weigh in" on Gaby Giffords after she showed all that paranoia at the supermarket. I was like, scared of going to the grocery store in Arizona and getting shot? Please. Lived there for several years, no problems in that regard. You just watch where you go, like everywhere else. Oddly enough, one of her lunatic crazy PARANOID supporters said, "You mean like a grocery store in the middle of the afternoon filled with children?" Damn nuts. Something didn't quite seem right there.

It's a safe place and those who take measures to protect themselves and their families are just paranoid.

Capt Alfredo
06-10-2012, 02:36 AM
But you still haven't answered my question, am I not a regular guy because I made the choice to buy an armored car, or because I can afford an armored car?

The former. I'm sure many of us on the board could afford an armored car if we really wanted one.


bullet proof cars are for wackos, like countless celebrities and professional athletes and politicians and CEOs

Now you're getting it! You, to my knowledge, are none of those things, except perhaps the first one, but let's not go that far just yet. The night is still young.


I'm suggesting that just because the totality of your life cannot be made risk free, that shouldn't preclude you from taking steps to protect yourself and your family in the most common risk areas that you can have an effect on. I suppose there is no worry, the government will protect you?

Hmm. I don't have this absolute faith in government protect that you ascribe to me, but neither do I think every police officer in the country has his unblinking eye focused on me. I guess my special "liberal" status has afforded me an invisible sheath of protection from persecution. Dunno.




Ah! Got ya. Don Shrike has called a family meeting, now that explains the dumb comments by you. Carry on

Nope, not paranoid. Not at all.

Shrike
06-10-2012, 02:40 AM
I haven't had any problems with USAA. Mortgage has been great, car loans are competitive, I don't carry a balance on my credit card so that's not an issue.

Capt Alfredo
06-10-2012, 02:40 AM
Good point. I decided to "weigh in" on Gaby Giffords after she showed all that paranoia at the supermarket. I was like, scared of going to the grocery store in Arizona and getting shot? Please. Lived there for several years, no problems in that regard. You just watch where you go, like everywhere else. Oddly enough, one of her lunatic crazy PARANOID supporters said, "You mean like a grocery store in the middle of the afternoon filled with children?" Damn nuts. Something didn't quite seem right there.

It's a safe place and those who take measures to protect themselves and their families are just paranoid.

Life is about taking reasonable measures to insulate yourself from risk. For a public figure to take protective measures is not paranoid. For an average citizen to ride around in an up-armored sedan rigged out with enough cameras to make Star Wars 7, I would argue, is. But once again, I don't begrudge you the right to do it or the right to talk about it.

ske4za
06-10-2012, 02:50 AM
I use USAA for my car and renters insurance, as well as my car loan that I previously paid off, and a checking account. Can't really complain with them.

Oh and
http://i.qkme.me/3pnjs2.jpg

imnohero
06-10-2012, 02:50 AM
Off topic much? Sheesh. We went from discussing a bank to armored cars, police = terrorist, and George Bush as the down-fall of the country.

And you guys wonder why the forum has gone to shit.

Capt Alfredo
06-10-2012, 02:56 AM
Off topic much? Sheesh. We went from discussing a bank to armored cars, police = terrorist, and George Bush as the down-fall of the country.

And you guys wonder why the forum has gone to shit.

Are you not entertained?

PickYourBattles
06-10-2012, 03:19 AM
The former. I'm sure many of us on the board could afford an armored car if we really wanted one.

Most? Hmm. I think you're wrong, but that shouldn't be completely surprising.


Now you're getting it! You, to my knowledge, are none of those things, except perhaps the first one, but let's not go that far just yet. The night is still young.

Well since it's young, can you please tell me how your 30K is better spent, rather than on protecting your family? You seem to have forgotten that question while stating that most anybody could afford an armored car.


Hmm. I don't have this absolute faith in government protect that you ascribe to me, but neither do I think every police officer in the country has his unblinking eye focused on me. I guess my special "liberal" status has afforded me an invisible sheath of protection from persecution. Dunno.

Cute response. I'm a wacko, and I'm persecuted as you say and imply. I must be right? Because I have an armored car. So tell me Capt Limp Noodle, do you own a firearm? Do you have a concealed carry permit? Do you have a home security system? And then, since we're fast becoming BFF, tell me how many times have you had to use your firearm to protect yourself or your family, or use your home security system to protect your family?

Personally I think those systems are just for wacko nuts. I know you get it.


Nope, not paranoid. Not at all.

Miles between being Paranoid and being a Lotus Eater.

imnohero
06-10-2012, 03:23 AM
Are you not entertained?

By what? Anti-government screeds by some guys on the internet? No. As that goes, the folks here are mere dabblers.

Capt Alfredo
06-10-2012, 03:35 AM
Most? Hmm. I think you're wrong, but that shouldn't be completely surprising.

I didn't say most, I said many.


Well since it's young, can you please tell me how your 30K is better spent, rather than on protecting your family? You seem to have forgotten that question while stating that most anybody could afford an armored car.

You can do whatever the heck you want with your 30K. I would probably apply it to my kids' education or maybe a retirement fund, or even on home improvements (but probably not a panic room). Oh yeah, I said many, not most, could afford an armored car if they really wanted one. What's your point there, anyway? Are you bragging that you have more money than the rest of us plebes? Are you showing how dedicated to protecting you and yours from Bizarro Barney Fife you are?


Cute response. I'm a wacko, and I'm persecuted as you say and imply. I must be right? Because I have an armored car. So tell me Capt Limp Noodle, do you own a firearm? Do you have a concealed carry permit? Do you have a home security system? And then, since we're fast becoming BFF, tell me how many times have you had to use your firearm to protect yourself or your family, or use your home security system to protect your family?

Personally I think those systems are just for wacko nuts. I know you get it.

And that would be your right and I wouldn't get my knickers in a knot because you dared disagree with me. *shrug*
Keep tilting at those windmills, PickYourQuijotes, keep on tilting.

Jamethon
06-10-2012, 04:01 AM
Jeez, it's getting heated in here. That's the last time I take a 5 hour nap and leave this place.

PickYourBattles
06-10-2012, 04:18 AM
I didn't say most, I said many.

You're right. I misquoted.


You can do whatever the heck you want with your 30K. I would probably apply it to my kids' education or maybe a retirement fund, or even on home improvements (but probably not a panic room).

Good. Now let's assume you've got your retirement fund and your kids educations already paid for, and you're happy with your home(s). Then what would you spend your 30K on? Obviously not on protecting your family with an armored vehicle, or a safe room, or a food bunker. Why not? What would it take for you to make that investment?


Oh yeah, I said many, not most, could afford an armored car if they really wanted one. What's your point there, anyway? Are you bragging that you have more money than the rest of us plebes? Are you showing how dedicated to protecting you and yours from Bizarro Barney Fife you are?

I'm not sure what you define as "many" but I would say many could not afford it, after taking care of the necessities. My point is that you are painting me as somehow fringe, or wacko, or odd because I paid for something that protects me and my wife, and my point is that if more people could afford it, they'd do the same. Most people cannot afford it. Sure, some can afford it and just don't prioritize the safety of their families as I do, or don't understand the threat as I perceive it, but I think the biggest reason more people don't purchase such protection (outside of celebrities, CEOs, professional athletes, and others who can afford it), is because...they can't afford it. I'm not bragging about the financial decisions I've made, I'm challenging your reasoning on why it's so strange for somebody to have an armored car.


http://www.youtube.com/watch?v=ahDm_4SSYfg


And that would be your right and I wouldn't get my knickers in a knot because you dared disagree with me. *shrug* Keep tilting at those windmills, PickYourQuijotes, keep on tilting.

I hope nothing happens to your kids, your wife, or yourself. If something happens, you can comfort yourself with the knowledge that protecting them or yourself, would amount to tilting at windmills.

But I do like old Sir Quixote. Thanks for bringing him up.


Liberty is one of the most precious gifts which heaven has bestowed on man; with it we cannot compare the treasures which the earth contains or the sea conceals; for liberty, as for honor, we can and ought to risk our lives; and, on for the other hand, captivity is the greatest evil that can befall man.

Risk? For liberty? Silly Cervantes. Liberty doesn't take risk, it comes easily. Just ask Capt Limp Noodle. Everything will be just fine.

Barberakb
06-10-2012, 06:09 AM
This guy above me is a pilot. I hope I never ever get in his plane...


USAA has always been good to me.

PickYourBattles
06-10-2012, 06:17 AM
This guy above me is a pilot. I hope I never ever get in his plane...


USAA has always been good to me.

You won't, be assured and comforted. There is a thorough process to ensure that our crew members all swear allegiance to USAA. I feel bad for aircraft that carry passengers, because they don't go through such rigorous loyalty testing.

Tak
06-10-2012, 06:22 AM
This thread topic sucks, the posts in this thread suck and the people
Posting in the sucky thread suck. Good night and Piss off!

OtisRNeedleman
06-10-2012, 07:09 AM
Good point. I decided to "weigh in" on Gaby Giffords after she showed all that paranoia at the supermarket. I was like, scared of going to the grocery store in Arizona and getting shot? Please. Lived there for several years, no problems in that regard. You just watch where you go, like everywhere else. Oddly enough, one of her lunatic crazy PARANOID supporters said, "You mean like a grocery store in the middle of the afternoon filled with children?" Damn nuts. Something didn't quite seem right there.

It's a safe place and those who take measures to protect themselves and their families are just paranoid.

There's a difference between prudence and paranoia.

Oh, just out of curiosity, how would your $30K in bulletproof glass fare against a spike strip or two? Do you also have run-flat tires? What happens when your vehicle is immobilized?

Personally, believe it's easier to fly under the radar. I drive a nondescript sedan and obey traffic laws. No reason to worry about the police.

DWWSWWD
06-10-2012, 07:21 AM
Regarding USAA..... I never would have thought to check another insurance company until I had to get progressive for motorcycle insurance. (USAA doesn't do it) Went ahead and got a car insurance quote and they killed USAA. Last 3 mortgages have not been through USAA. Love the banking though.
Regarding zombie insurance, bulletproof glass and such... I can afford it. Also can afford a chimpanzee or a lion or my own midget security detail. I don't have any of those things.

CYBERFX1024
06-10-2012, 08:04 AM
I use USAA for my Home/Fire/Renters insurance. They are pretty decent and the price isn't bad at all.

The only bad thing I can say about them is that I wanted to get Life Insurance for myself and my 2 kids. They wouldn't give me insurance because I am a Contractor in Afghanistan. So I couldn't get insurance for my kids either. I asked the lady why is it that I can't get insurance but thousands of people in the Armed Forces can get it and they are here too? She said that is the privlege that they give them.

VFFSSGT
06-10-2012, 08:36 AM
I'm sorry, man, but no "regular guy" drops 30K on bulletproof glass or prepares his ride for the zombie apocalypse like you. It's your money, so rock on, brother, but, as the kids today say, I'm SMH.

No...regular guys just drop tens of thousands of dollars on interest charges to boost banks CEO pocket books who get government bailouts to pay bonuses.
:focus

Desk Pilot
06-10-2012, 08:58 AM
I'm glad I skipped the previous three pages of rants, just from what little I've seen on this page. My family has been with USAA for years. I agree that they've gotten too big and have expanded to areas I wish they had not, because they are not competitive nor responsive. The contractor who said he couldn't get insurance because he is in Afghanistan is not a unique experience. I had a quote in hand for life insurance that they revoked once DESERT STORM was announced. I let them no in no uncertain terms how much that pissed me off (canceled all other life insurance policies I had with them and went to a better company).

Now, having said that, you cannot beat their auto insurance... I'm not talking price, I'm talking coverage. I've had cases when I was under my dad's policy and later in life under my own that exceeded all expectations. I will not ever change auto policies. Their service is that good.

I also carry my renter's insurance with them. That is more convenience than experience. I also have a credit card, but it's a backup card for me because their rates suck. But then again, I usually don't charge things unless I know I'll have the money when the bill comes so I won't carry a balance. On the positive side, though, my daughter had her wallet stolen which had the USAA credit card in it. They were all over it in closing that card and getting us a replacement card without penalties.

My experience... others will vary.

Nic
06-10-2012, 12:37 PM
When I PCSd I lost windshield coverage.. They never told me this. My rates went up so I raised my deductible. Well first week in my new car and my windshield shattered.. They wouldnt cover it.. $550 down the drain... When I called to get it replaced under the insurance they told me it wasnt covered.. I told them it was at my last base they said its not at this one. I asked them well why the hell didnt you tell me? Their response was do you expect us to tell you all the changes with your coverage when you PCS?? Uhh yeah..

Also cool fact when your on hold and you yell F@## you USAA you automatically get disconnected..

imported_chipotleboy
06-10-2012, 01:32 PM
Last year, the frau and I bought a house and insured through USAA. Our inspector said the roof would need to be replaced in about 3 years, and that we should budget for it. So we used that to drive down the price of the house in negotiations.

The week after we closed, and still hadn't moved in, a massive (baseball-sized) hailstorm hit the town. I didn't really see any damage, but called USAA anyway and they insisted on sending an adjuster. We got an estimate, hired a contractor, and we had no problems getting the claim paid. We got full replacement value, not prorated for the wear and tear. Also, we didnt't get an increase on our premium.

It was the first time I've ever had to deal with anything like this. USAA made it easy.

Same way on my cars. Twice I've had rocks ding my windshield. I'd call USAA from the road, by the time I get to my destination, they had a windshield repair person on the way to my home or worksite to do the repair.

The only time I ever had an issue was when I turned 25 (many years ago). I knew there was a break in the rates at that point and called to have them adjust the premium. The CSR said I'd have to wait another five months until my term expired. So I said I'd have to switch to GEICO. A supervisor came on the line and instructed the CSR to cancel my existing term and start a new term on my 25th birthday. I got what I wanted.

ROS-One
06-10-2012, 02:23 PM
I use USAA as my main financial hub.

Checking, CDs, Credit, Car/Renters Insurance. I also use Chase. People hate on Chase as a big-bank, but I use them for my checking and credit cards. They have a military banking deal which gives me free checking. Chase has the best credit card sign up bonuses/rewards. I use the Chase Freedom/Checking (and Sapphire) system to get between 2-5% back on everything I buy.

USAA savings rates are amazingly bad - for a bank that for the most part is online-based. When I "earned" $1.55 on a 10K savings balance for a month it was time to switch to ING-Direct.

I will say I enjoy a lot about USAA - but they can be beat in nearly every category they offer.

MisterBen
06-10-2012, 02:45 PM
USAA is my bank for my direct deposit and I was able to use deposit@mobile here in Afghanistan and it worked well. I just have a savings/checking account home/car insurance and a Roth IRA account with them.

I highly doubt they are in decline mode.

wxjumper
06-10-2012, 03:23 PM
I think our younger generation just doesn't get it. We're so ready to let the store burn down, and we'll drink 4LOKO and talk about the latest Springer show while 300 years of freedom and liberty and the grand experiment burns.

RD, you are correct. Our government is the reason I armored up and have taken other measures. Those other threats are out there, but I consider none greater and more real to my liberty than our government agents (politicians, cops, military), populated with armed individuals who would be just as comfortable (perhaps moreso) working for the Chinese military.

http://www.washingtonpost.com/wp-dyn/content/article/2011/02/24/AR2011022407864.html

I think the fact that you put the Springer show and 4LOKO in the same sentence illiterates you have no clue about the younger generation as those two things are separated by almost a whole generation in themselves.

PickYourBattles
06-10-2012, 06:10 PM
There's a difference between prudence and paranoia.

There is. One man's prudence is another man's paranoia. I had a neighbor that had a house get broken into three times over several months. The neighbor installed cameras all over their house, and put bars on the window. I tried to tell them they were just being paranoid because nobody broke into my house, but you know those paranoid people. They never listen.


Oh, just out of curiosity, how would your $30K in bulletproof glass fare against a spike strip or two? Do you also have run-flat tires? What happens when your vehicle is immobilized?

My bulletproof glass is guaranteed to stop any bullets that might come from spike strips. No run flats, I don't plan on running. If my vehicle is immobilized, what happens is my car isn't able to drive anymore. Good questions.


Personally, believe it's easier to fly under the radar. I drive a nondescript sedan and obey traffic laws. No reason to worry about the police.

If by "fly under the radar" you mean obey the law, then I agree. Unfortunately that doesn't help if a criminal targets you in your sedan. I drive a nondescript car, too, and obey traffic laws. No reason to worry about police who aren't breaking the law.


I think the fact that you put the Springer show and 4LOKO in the same sentence illiterates you have no clue about the younger generation as those two things are separated by almost a whole generation in themselves.

Delicious.

Yeah, you're probably right. I know little to nothing about the younger generation. Fair point. When I said younger generation I meant younger than RD's generation, ie my generation. I could have been more clear.

wxjumper
06-10-2012, 06:46 PM
Oops, you pointed out a hilariously ironic typo because I carelessly accepted whatever the browser spell check suggested without proof reading. You got me, you won the internets again old man. That’s what I get for trying to write something on this message board while drinking 4LOKO and watching Jerry Springer.

PickYourBattles
06-10-2012, 07:01 PM
That’s what I get for trying to write something on this message board while drinking 4LOKO and watching Jerry Springer.

Impressive combo. I tried it, but watching Springer made me choke on the 4LOKO, and then I got it all over my tevas and ankle socks.

imported_DannyJ
06-10-2012, 07:18 PM
PYB, dude, you're trying to justify your seeming paranoid behavior to individuals that have not had the same experiences as you. IT DOESN'T MATTER DUDE. The argument is ridiculous. We have no idea what you went through and it STILL doesn't matter. You do you bro. Stop arguing. If you feel justified in your actions, fine, but stop trolling the living shit out of the forums.

BTW, if you are good with it, then why are you still trying to defend it?

imported_DannyJ
06-10-2012, 07:19 PM
PYB, dude, you're trying to justify your seemingly paranoid behavior to individuals that have not had the same experiences as you. IT DOESN'T MATTER DUDE. The argument is ridiculous. We have no idea what you went through and it STILL doesn't matter. You do you bro. Stop arguing. If you feel justified in your actions, fine, but stop trolling the living shit out of the forums.

BTW, grammar and spelling do not invalidate good points. Its just obnoxious when people point that shit out. Its a F*CKING forum, not a damn term paper.

PickYourBattles
06-10-2012, 07:28 PM
PYB, dude, you're trying to justify your seemingly paranoid behavior to individuals that have not had the same experiences as you. IT DOESN'T MATTER DUDE. The argument is ridiculous. We have no idea what you went through and it STILL doesn't matter. You do you bro. Stop arguing. If you feel justified in your actions, fine, but stop trolling the living shit out of the forums.

Good points, with a couple exceptions. 1) I'm not trolling. I'm responding to those who make comments, like yours. The option would be to ignore your comment/question to me, or to respond and apparently be charged with trolling the shit out of the forums. If you want me to stop "trolling" then stop asking me questions. 2) Arguing/debating/discussing is kind of the point of an online messageboard. If idiots are going to claim I'm lying, I'll respond. If they're going to suggest that I'm a wacko, I'll respond.


BTW, grammar and spelling do not invalidate good points. Its just obnoxious when people point that shit out. Its a F*CKING forum, not a damn term paper.

Agreed? When did I say grammar and or spelling invalidated a good point?

imported_DannyJ
06-10-2012, 07:33 PM
Good points, with a couple exceptions. 1) I'm not trolling. I'm responding to those who make comments, like yours. The option would be to ignore your comment/question to me, or to respond and apparently be charged with trolling the shit out of the forums. If you want me to stop "trolling" then stop asking me questions. 2) Arguing/debating/discussing is kind of the point of an online messageboard. If idiots are going to claiming I'm lying, I'll respond. If they're going to suggest that I'm a wacko, I'll respond.



Agreed? When did I say grammar and or spelling invalidated a good point?

Scarlett GTO, you wanna do a virtual arrest on this wacko?

PickYourBattles
06-10-2012, 07:36 PM
Scarlett GTO, you wanna do a virtual arrest on this wacko?

Says the clown.

imported_DannyJ
06-10-2012, 07:40 PM
Says the clown.

CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC YEAH~!!

Also, LOVE USAA. Never a bad experience. Sorry for those that have.

PickYourBattles
06-10-2012, 07:43 PM
To get this topic back on track, here are 77 reviews of USAA. They got a whopping two of five stars.

http://www.insiderpages.com/b/4256135094/usaa-bank-san-antonio#reviews

VFFSSGT
06-10-2012, 08:30 PM
To get this topic back on track, here are 77 reviews of USAA. They got a whopping two of five stars.

http://www.insiderpages.com/b/4256135094/usaa-bank-san-antonio#reviews

A lot of complaints of USAA have a common theme...I use to be on their facebook page and there were a lot of complaints on there as well...unanawered too.

PS...it's amazing how wound up others get about how you spend your money.

wxjumper
06-10-2012, 08:42 PM
In all fairness, are there any banks out there where the majority of comments are not complaints? When you deal with money in today's economy, rarely are people going to be happy.

PickYourBattles
06-10-2012, 08:43 PM
A lot of complaints of USAA have a common theme...I use to be on their facebook page and there were a lot of complaints on there as well...unanawered too.

I think USAA can be useful for young guys just entering the service, because USAA competes to get their loyalty while their careers are starting. I don't know if they still offer it, but they offered cadets in college an interest free loan that was really generous. And I've heard stories about their insurance process being good, as others have posted. Like anything else, they've got good points and bad points. My wife still banks with them, and she likes them. The ability to scan checks and deposit them online is pretty cool.

My experience is the same as yours though, I see a lot of dissatisfied military customers.


In all fairness, are there any banks out there where the majority of comments are not complaints? When you deal with money in today's economy, rarely are people going to be happy.

Great question, I'd also like to know. So far credit unions seem to make some people happy.


PS...it's amazing how wound up others get about how you spend your money.

There is a group of mostly law enforcement types, with a couple others, who've decided they don't like my views. They really don't like me defending them, and they don't like me out insulting them. They feel like they're losing the debate, and they don't like that. They're frustrated. Before long they'll use words like "threat" or "crazy" (we've started to see a bit of that), and they'll try to paint me into a straw man caricature. The car is an easy target, because it's not "normal." Most people don't have one, and the sheep don't like those who stick out from the herd. Sad to watch grown men act like that in real life, but even more so on the internet.

ske4za
06-10-2012, 09:37 PM
In all fairness, are there any banks out there where the majority of comments are not complaints? When you deal with money in today's economy, rarely are people going to be happy.

This Rolling Stones article (http://www.rollingstone.com/politics/news/bank-of-america-too-crooked-to-fail-20120314) illustrates some of the reasoning why I don't bank with these larger banks. I've heard so many horror stories from co-workers and friends who use Bank of America services. My mother uses it and has had a few issues with them. As far as banking services, I have USAA, my credit union, and a local hometown bank that I still use because their customer service is unmatched.

VFFSSGT
06-10-2012, 10:09 PM
In all fairness, are there any banks out there where the majority of comments are not complaints? When you deal with money in today's economy, rarely are people going to be happy.

I have been quite pleased with 2 credit unions I have used. That's where I tell people to go...

F4CrewChick
06-10-2012, 10:48 PM
I hope this is wrong--I love USAA. Been banking, insuring, investing (though nothing currently) with them forever. Never got a car or house loan--did better elsewhere. Insofar as straight banking goes, I've never had a better bank. Are they really 'failing?'

wxjumper
06-10-2012, 11:16 PM
F4, you are not wrong. As far as banking you are not going to find a better deal out there. Free banking, refunds on ATMs, etc. The best part is that you can use you USAA credit card and transfer money from it right to your checking account instantly without any cash advance fee. Not many banks will allow you to do that.

For Insurance or loans, yes you will probably find better deals out there from larger and/or more specialized institutions. But that doesn’t make USAA a bad bank.

IH8EngMTX
06-11-2012, 04:59 PM
I use USAA for banking and my ROTH IRA (not a lot in it due to the market). I had a truck loan I paid off with my tax refund this year. I used to have therm for renter's and car insurance but once I moved to Vegas, the rates were so outrageous that i had to cancel. My yearly rate with Liberty Mutual for homeowners and two cars is the same as what USAA was charging me for 6 months (identical policies)! I have a credit card with Chase with a low rate that USAA couldn't match either. USAA could only give me 4.25% for a home loan. I went with the homebuilder's in house lender (then the mortgage is sold to Chase) locked in at 3.75%. I like USAA only until they start costing me money. Perhaps they are getting quite the ego nowadays and fell they can overcharge.

SomeRandomGuy
06-11-2012, 06:02 PM
Too bad WPNS got banned. He works at USAA. He could have given us the inside scoop on whether or not USAA is going downhill.

Robert F. Dorr
06-11-2012, 06:04 PM
Too bad WPNS got banned. He works at USAA. He could have given us the inside scoop on whether or not USAA is going downhill.

What did WPNS do? To get banned, I mean.

SomeRandomGuy
06-11-2012, 06:47 PM
What did WPNS do? To get banned, I mean.

He was trolling on one of those Trayvon Martin threads. Im really not sure if he was joking or sharing his true feelings about race. Him, Rusty Jones, Joe Bonham, and Texpat had some pretty good banter going on in there for a while. If you look up WPNS profile you can still see his recent posts. Its kind of funny actually. In one thread he was checking in on other retirees and letting everyone know he works at USAA while simultaneously posting his views about race and Obama in another thread. Pretty interesting stuff. Hopefully management at USAA does not read these boards he would probably have some explaining to do.

Robert F. Dorr
06-11-2012, 06:49 PM
He was trolling on one of those Trayvon Martin threads. Im really not sure if he was joking or sharing his true feelings about race. Him, Rusty Jones, Joe Bonham, and Texpat had some pretty good banter going on in there for a while. If you look up WPNS profile you can still see his recent posts. Its kind of funny actually. In one thread he was checking in on other retirees and letting everyone know he works at USAA while simultaneously posting his views about race and Obama in another thread. Pretty interesting stuff. Hopefully management at USAA does not read these boards he would probably have some explaining to do.

So he just got eradicated? Snuffed out? No Miranda warning or anything?

js7799
06-11-2012, 07:37 PM
So he just got eradicated? Snuffed out? No Miranda warning or anything?

Nope. Hope he had the cameras in his armored car rolling when it happened!








I kid I kid! :rofl

SomeRandomGuy
06-11-2012, 07:40 PM
Nope. Hope he had the cameras in his armored car rolling when it happened!








I kid I kid! :rofl

I see what you did there. LMAO!


I kind of doubt he was in an armored car though because he would have been bulletproof and there is no way they could have taken him down.

PickYourBattles
06-11-2012, 08:28 PM
You two are so cute playing patty cake...

js7799
06-11-2012, 08:53 PM
You two are so cute playing patty cake...

I know, ain't we just?

WPNS
06-12-2012, 03:25 AM
Too bad WPNS got banned. He works at USAA. He could have given us the inside scoop on whether or not USAA is going downhill.

Ok children, daddy's back from the "Banyard" haha get it, like "boneyard" at DM but instead, I put the "Ban" in there........

Yeah yeah, ok anyway.

1. I do work there
2. How would they know who I am?
3. If they were to fire everyone that works there that ever had a complaint, Joe Robles would be stuck answering the phones
4. I'm sorry if I seem to hit a nerve of some of you, ok that's a lie, I really don't care if you like what I have to say or not. It's just like the radio that has Young Jeezy on there saying Ni**a this and Ni**a that as his slogan. Do I HAVE to listen to him? no, do I listen to him? yeah, cuz I do like rap music. Do I think it's "OK" for them to call each other that? why not. Do I think it's ok for me to use it? I sure the hell do, because I'm an adult, and I can say fuck, shit hell, damn, asslicker and such. Are they vulgar words? some might say so, but it's my CONSTITUTIONAL RIGHT to do so. Like I've said before in past threads, I've heard many times during my career where the nigggaa was used between black personnel, and everyone turned their heads the other way, because that's "their" word. Sorry ya'll it just doesn't work like that. It's not OK for a mexican to call another mexican a wetback and then a white person do the same thing and get butt-raped for it. That's not how society is supposed to be, just like how we're not supposed to stereotype the way some people dress. So to say only one race can wear wife-beaters, pants under their asscheeks and so on is just stupid. If one race is "allowed" to do it, then I'll be damned if we all can't do it. Anyway, back to number...
4. It is a very draining place to work. It's not physically demanding, of course maybe a hand cramp from clicking the mouse and typing all day, but being on the phones for 10+ hours a day listening to members cry and complain about their insurance bills and payments and rate increases.... seriously? Be a grown up and pay your damn bills, quit bitching about a three dollar six month increase in your auto insurance. It's so damn funny when Amn snuffy or PFC Dumbass calls in asking if they can postpone their insurance payment because they don't have any money, but during the conversation find out that said douche has 3 PS3's. 4 55" flat screen TV's and 2 mistresses bitching about paying his car insurance.
5. The Insurance side has licensed rep's answer the phone, but when it comes to the bank side, we use a lot of "vendors" that really aren't trained to "Go above and beyond" and help ya'll out. So, yes since USAA opened it's doors to every swingin dick that has ever served, alot of rift-raft has been allowed in and yes that has affected the rates. Especially since alot of them have NPC (Non-Payment Cancellations) USAA does go out of its way to help as far as when you deploy, we keep your insurance intact and give you an 80% reduction in your premium... among others But since there are over 4.7 million members, there are only about 10k reps that actually answer the phones. So yes it is very hard to try and give each member the best service possible, but I honestly do. Just like when I served, I actually cared about my job and whether I liked it or not, I gave it my best (and sometimes I bitched about while I was doing it, but hey, I'm only a white male)
6. Look, if we didn't get so many stupid calls during the day like:
Hey man, I just paid my bill online but I wanted to call in and make sure it went through. Really? Are you that stupid? You just wasted my time and some other members time by your stupidity. Or, can you send me a new ID card for my car? Wow, you're too stupid and/or lazy to print it out from the website? And yes, these idiots will say, "I'm on the computer right now checking my email, let me know when you send it so I can print it out" God some people are dumb! And yes, it's usually the younger enlisted I'm referring to
7. I must admit, that when the O's call in, they are usually pretty cool to chat with, some of them. Now their wives? not so much, just like on the bases, the wives of O's think they have power of others or some shit.
8. I have experienced that alot of SNCO's from all ranks are really assholes and think they are owed something. Not all of course, but quite a few I'd say.
9. It does suck for you (the members) when you get a rep that doesn't know their job, and for that blame USAA all day long. They give us zero time for training, and to learn a system that is very indepth and that's not even knowing the way insurance is handled differently in each state. The biggest problem USAA is facing, and this is the most important part of this so listen up. They are SO DRIVEN about getting you to get additional products with them. I have listened to calls that our manager has saved and during the call, the rep actually fucked up this guys AZ ins policy, not huge, but big enough that I was like "Oh shit" but the rep got huge praise for asking this one stupid ass question that makes we want to fucking gag on.... "Hello Mr. member, so I hear you say you got a new car, so what are your next financial goals?" That was it, that IS it, that's all they give a fuck about. So the guy starts gong off about how he has investments and he's thought of bringing them over to us... yadda yadda. I was like, "But the bitch just fucked up his policy, and all you cared about is that she asked what his next financial goal is!" So, yes, for the reason just mentioned, that's all they care about, the money we can siphon out of you when you call in. It's so fucking sales driven it makes a NASCAR race look like a merry go round. So when you get reps burnt the fuck out because all they care about are the numbers and don't give you the tools to make it a better place to work, unfortunately it's the rest of you that ultimately suffers.
8. The bank rarely ever gives good rates, and as a matter of fact. New car loan rates are jumping up as of next week.... use a credit union for your loans, but the CC's can be good.
9. I work in Fort USAA, meaning there's no fucking way any of you could get in their if you tried. They have patrolling guards, cameras, 9 foot high gates surrounding the campus. You'd need a magnetic access card to get onto the campus and then into the facility.
10. There is some good tail to stare at, and then again, there's some oxen that need to be out plowing the fields instead of sitting behind the desk
11. The managers... 90% of them suck, they are the biggest kool-aid drinking worms in the history of kool-aid making. nuff said
12. fuck, too tired to continue, gotta be up at 0600 to work another wonderful day listening to you whining crying SOB's (not all of you, so don't cry here either, but some of you, please call me tomorrow, love to chat with you about Obama) And yes, there are alot of discussions brought up about politics
13. oh, and one more for the road. I love when some of you retired 50+ sugar daddys call in with your 23 year old wife naggin in the background!!!! LOL I LOVE IT!!!

P.S. this was a long one and no I'm not proofreading it, so suck it

Rainmaker
06-12-2012, 03:39 AM
Ok children, daddy's back from the "Banyard" haha get it, like "boneyard" at DM but instead, I put the "Ban" in there........

Yeah yeah, ok anyway.

1. I do work there
2. How would they know who I am?
3. If they were to fire everyone that works there that ever had a complaint, Joe Robles would be stuck answering the phones
4. I'm sorry if I seem to hit a nerve of some of you, ok that's a lie, I really don't care if you like what I have to say or not. It's just like the radio that has Young Jeezy on there saying Ni**a this and Ni**a that as his slogan. Do I HAVE to listen to him? no, do I listen to him? yeah, cuz I do like rap music. Do I think it's "OK" for them to call each other that? why not. Do I think it's ok for me to use it? I sure the hell do, because I'm an adult, and I can say fuck, shit hell, damn, asslicker and such. Are they vulgar words? some might say so, but it's my CONSTITUTIONAL RIGHT to do so. Like I've said before in past threads, I've heard many times during my career where the nigggaa was used between black personnel, and everyone turned their heads the other way, because that's "their" word. Sorry ya'll it just doesn't work like that. It's not OK for a mexican to call another mexican a wetback and then a white person do the same thing and get butt-raped for it. That's not how society is supposed to be, just like how we're not supposed to stereotype the way some people dress. So to say only one race can wear wife-beaters, pants under their asscheeks and so on is just stupid. If one race is "allowed" to do it, then I'll be damned if we all can't do it. Anyway, back to number...
4. It is a very draining place to work. It's not physically demanding, of course maybe a hand cramp from clicking the mouse and typing all day, but being on the phones for 10+ hours a day listening to members cry and complain about their insurance bills and payments and rate increases.... seriously? Be a grown up and pay your damn bills, quit bitching about a three dollar six month increase in your auto insurance. It's so damn funny when Amn snuffy or PFC Dumbass calls in asking if they can postpone their insurance payment because they don't have any money, but during the conversation find out that said douche has 3 PS3's. 4 55" flat screen TV's and 2 mistresses bitching about paying his car insurance.
5. The Insurance side has licensed rep's answer the phone, but when it comes to the bank side, we use a lot of "vendors" that really aren't trained to "Go above and beyond" and help ya'll out. So, yes since USAA opened it's doors to every swingin dick that has ever served, alot of rift-raft has been allowed in and yes that has affected the rates. Especially since alot of them have NPC (Non-Payment Cancellations) USAA does go out of its way to help as far as when you deploy, we keep your insurance intact and give you an 80% reduction in your premium... among others But since there are over 4.7 million members, there are only about 10k reps that actually answer the phones. So yes it is very hard to try and give each member the best service possible, but I honestly do. Just like when I served, I actually cared about my job and whether I liked it or not, I gave it my best (and sometimes I bitched about while I was doing it, but hey, I'm only a white male)
6. Look, if we didn't get so many stupid calls during the day like:
Hey man, I just paid my bill online but I wanted to call in and make sure it went through. Really? Are you that stupid? You just wasted my time and some other members time by your stupidity. Or, can you send me a new ID card for my car? Wow, you're too stupid and/or lazy to print it out from the website? And yes, these idiots will say, "I'm on the computer right now checking my email, let me know when you send it so I can print it out" God some people are dumb! And yes, it's usually the younger enlisted I'm referring to
7. I must admit, that when the O's call in, they are usually pretty cool to chat with, some of them. Now their wives? not so much, just like on the bases, the wives of O's think they have power of others or some shit.
8. I have experienced that alot of SNCO's from all ranks are really assholes and think they are owed something. Not all of course, but quite a few I'd say.
9. It does suck for you (the members) when you get a rep that doesn't know their job, and for that blame USAA all day long. They give us zero time for training, and to learn a system that is very indepth and that's not even knowing the way insurance is handled differently in each state. The biggest problem USAA is facing, and this is the most important part of this so listen up. They are SO DRIVEN about getting you to get additional products with them. I have listened to calls that our manager has saved and during the call, the rep actually fucked up this guys AZ ins policy, not huge, but big enough that I was like "Oh shit" but the rep got huge praise for asking this one stupid ass question that makes we want to fucking gag on.... "Hello Mr. member, so I hear you say you got a new car, so what are your next financial goals?" That was it, that IS it, that's all they give a fuck about. So the guy starts gong off about how he has investments and he's thought of bringing them over to us... yadda yadda. I was like, "But the bitch just fucked up his policy, and all you cared about is that she asked what his next financial goal is!" So, yes, for the reason just mentioned, that's all they care about, the money we can siphon out of you when you call in. It's so fucking sales driven it makes a NASCAR race look like a merry go round. So when you get reps burnt the fuck out because all they care about are the numbers and don't give you the tools to make it a better place to work, unfortunately it's the rest of you that ultimately suffers.
8. The bank rarely ever gives good rates, and as a matter of fact. New car loan rates are jumping up as of next week.... use a credit union for your loans, but the CC's can be good.
9. I work in Fort USAA, meaning there's no fucking way any of you could get in their if you tried. They have patrolling guards, cameras, 9 foot high gates surrounding the campus. You'd need a magnetic access card to get onto the campus and then into the facility.
10. There is some good tail to stare at, and then again, there's some oxen that need to be out plowing the fields instead of sitting behind the desk
11. The managers... 90% of them suck, they are the biggest kool-aid drinking worms in the history of kool-aid making. nuff said
12. fuck, too tired to continue, gotta be up at 0600 to work another wonderful day listening to you whining crying SOB's (not all of you, so don't cry here either, but some of you, please call me tomorrow, love to chat with you about Obama) And yes, there are alot of discussions brought up about politics
13. oh, and one more for the road. I love when some of you retired 50+ sugar daddys call in with your 23 year old wife naggin in the background!!!! LOL I LOVE IT!!!

P.S. this was a long one and no I'm not proofreading it, so suck it

The fact that USAA hired you work there explains why their customer service sucks. Welcome back moron. You were missed!

SF7
06-12-2012, 03:39 AM
WPNS i'm calling USAA non stop tomorrow until i speak with you

Bunch
06-12-2012, 05:30 AM
Ok children, daddy's back from the "Banyard" haha get it, like "boneyard" at DM but instead, I put the "Ban" in there........

Yeah yeah, ok anyway.

1. I do work there
2. How would they know who I am?
3. If they were to fire everyone that works there that ever had a complaint, Joe Robles would be stuck answering the phones
4. I'm sorry if I seem to hit a nerve of some of you, ok that's a lie, I really don't care if you like what I have to say or not. It's just like the radio that has Young Jeezy on there saying Ni**a this and Ni**a that as his slogan. Do I HAVE to listen to him? no, do I listen to him? yeah, cuz I do like rap music. Do I think it's "OK" for them to call each other that? why not. Do I think it's ok for me to use it? I sure the hell do, because I'm an adult, and I can say fuck, shit hell, damn, asslicker and such. Are they vulgar words? some might say so, but it's my CONSTITUTIONAL RIGHT to do so. Like I've said before in past threads, I've heard many times during my career where the nigggaa was used between black personnel, and everyone turned their heads the other way, because that's "their" word. Sorry ya'll it just doesn't work like that. It's not OK for a mexican to call another mexican a wetback and then a white person do the same thing and get butt-raped for it. That's not how society is supposed to be, just like how we're not supposed to stereotype the way some people dress. So to say only one race can wear wife-beaters, pants under their asscheeks and so on is just stupid. If one race is "allowed" to do it, then I'll be damned if we all can't do it. Anyway, back to number...
4. It is a very draining place to work. It's not physically demanding, of course maybe a hand cramp from clicking the mouse and typing all day, but being on the phones for 10+ hours a day listening to members cry and complain about their insurance bills and payments and rate increases.... seriously? Be a grown up and pay your damn bills, quit bitching about a three dollar six month increase in your auto insurance. It's so damn funny when Amn snuffy or PFC Dumbass calls in asking if they can postpone their insurance payment because they don't have any money, but during the conversation find out that said douche has 3 PS3's. 4 55" flat screen TV's and 2 mistresses bitching about paying his car insurance.
5. The Insurance side has licensed rep's answer the phone, but when it comes to the bank side, we use a lot of "vendors" that really aren't trained to "Go above and beyond" and help ya'll out. So, yes since USAA opened it's doors to every swingin dick that has ever served, alot of rift-raft has been allowed in and yes that has affected the rates. Especially since alot of them have NPC (Non-Payment Cancellations) USAA does go out of its way to help as far as when you deploy, we keep your insurance intact and give you an 80% reduction in your premium... among others But since there are over 4.7 million members, there are only about 10k reps that actually answer the phones. So yes it is very hard to try and give each member the best service possible, but I honestly do. Just like when I served, I actually cared about my job and whether I liked it or not, I gave it my best (and sometimes I bitched about while I was doing it, but hey, I'm only a white male)
6. Look, if we didn't get so many stupid calls during the day like:
Hey man, I just paid my bill online but I wanted to call in and make sure it went through. Really? Are you that stupid? You just wasted my time and some other members time by your stupidity. Or, can you send me a new ID card for my car? Wow, you're too stupid and/or lazy to print it out from the website? And yes, these idiots will say, "I'm on the computer right now checking my email, let me know when you send it so I can print it out" God some people are dumb! And yes, it's usually the younger enlisted I'm referring to
7. I must admit, that when the O's call in, they are usually pretty cool to chat with, some of them. Now their wives? not so much, just like on the bases, the wives of O's think they have power of others or some shit.
8. I have experienced that alot of SNCO's from all ranks are really assholes and think they are owed something. Not all of course, but quite a few I'd say.
9. It does suck for you (the members) when you get a rep that doesn't know their job, and for that blame USAA all day long. They give us zero time for training, and to learn a system that is very indepth and that's not even knowing the way insurance is handled differently in each state. The biggest problem USAA is facing, and this is the most important part of this so listen up. They are SO DRIVEN about getting you to get additional products with them. I have listened to calls that our manager has saved and during the call, the rep actually fucked up this guys AZ ins policy, not huge, but big enough that I was like "Oh shit" but the rep got huge praise for asking this one stupid ass question that makes we want to fucking gag on.... "Hello Mr. member, so I hear you say you got a new car, so what are your next financial goals?" That was it, that IS it, that's all they give a fuck about. So the guy starts gong off about how he has investments and he's thought of bringing them over to us... yadda yadda. I was like, "But the bitch just fucked up his policy, and all you cared about is that she asked what his next financial goal is!" So, yes, for the reason just mentioned, that's all they care about, the money we can siphon out of you when you call in. It's so fucking sales driven it makes a NASCAR race look like a merry go round. So when you get reps burnt the fuck out because all they care about are the numbers and don't give you the tools to make it a better place to work, unfortunately it's the rest of you that ultimately suffers.
8. The bank rarely ever gives good rates, and as a matter of fact. New car loan rates are jumping up as of next week.... use a credit union for your loans, but the CC's can be good.
9. I work in Fort USAA, meaning there's no fucking way any of you could get in their if you tried. They have patrolling guards, cameras, 9 foot high gates surrounding the campus. You'd need a magnetic access card to get onto the campus and then into the facility.
10. There is some good tail to stare at, and then again, there's some oxen that need to be out plowing the fields instead of sitting behind the desk
11. The managers... 90% of them suck, they are the biggest kool-aid drinking worms in the history of kool-aid making. nuff said
12. fuck, too tired to continue, gotta be up at 0600 to work another wonderful day listening to you whining crying SOB's (not all of you, so don't cry here either, but some of you, please call me tomorrow, love to chat with you about Obama) And yes, there are alot of discussions brought up about politics
13. oh, and one more for the road. I love when some of you retired 50+ sugar daddys call in with your 23 year old wife naggin in the background!!!! LOL I LOVE IT!!!

P.S. this was a long one and no I'm not proofreading it, so suck it

Wow I think that this has been your first and probably last positive contribution to this forum!! ..... Just kidding... Welcome back...

Robert F. Dorr
06-12-2012, 09:54 AM
Yes, it does suck for us (the members) when we have a rep with attitude.

WPNS
06-13-2012, 12:27 AM
Yes, it does suck for us (the members) when we have a rep with attitude.


Rep with an attitude? Far from it old man. My point is that there are so many people out there that want to be hand-walked across the path of life that it's quite comical. So of course you'll get the very best service possible from me, but that doesn't mean I'm not secretly calling you a total fuck-tard in my mind.

WPNS
06-13-2012, 12:28 AM
WPNS i'm calling USAA non stop tomorrow until i speak with you

Didn't I talk to you like 4 times today? I swear your cell reception must've been bad, cause I did NOT hang up on you all 4 of those times... lol

imnohero
06-13-2012, 01:34 AM
Why am I not surprised that people call in with dumb-ass questions and need to be hand-held? Same shit the poor guys in military finance have to deal with.

WPNS
06-13-2012, 02:03 AM
Why am I not surprised that people call in with dumb-ass questions and need to be hand-held? Same shit the poor guys in military finance have to deal with.

It's worse for me, because the kicker is when the retard goes, "Uh hi, this is Rusty Trombone, yeah, um, uh I'm on the website now and um, yeah, can you tell me where to go to print out my car insurance ID card?"

And I reply, "Are you seriously asking me that?" "Are you that dumb? How the hell did you get selected to defend this country?"

And then I email the douche an ID card

Robert F. Dorr
06-13-2012, 04:42 AM
Rep with an attitude? Far from it old man. My point is that there are so many people out there that want to be hand-walked across the path of life that it's quite comical. So of course you'll get the very best service possible from me, but that doesn't mean I'm not secretly calling you a total fuck-tard in my mind.

Now that the United States is on the brink of illiteracy and we have college-educated people who can't understand a simple sentence, why wouldn't you expect people out there to need a lot of help? Isn't that your purpose? Aren't you there to help? Are you expecting a dialogue about melancholy in Proust or about the disadvantages of liquid rocket fuel?

It's not unusual to do a good job in customer relations while quietly feeling contempt for the customer. But that's healthy neither for the customer nor for you. As long as you do the job, the customer will never know that you loathe him. But shouldn't you be looking around for something to do that would give you greater satisfaction?

In my experience, USAA has gone way downhill since we joined in the 1960s or 1970s. If I have to pick up the phone and call USAA, I dread it. That wasn't the situation in the recent past.

PickYourBattles
06-13-2012, 04:55 AM
Now that...we have college-educated people who can't understand a simple sentence...

Oh I see what you did there. Persuade, convince, whatever. You don't have to kick a guy when he's down.

WPNS
06-14-2012, 01:22 AM
Now that the United States is on the brink of illiteracy and we have college-educated people who can't understand a simple sentence, why wouldn't you expect people out there to need a lot of help? Isn't that your purpose? Aren't you there to help? Are you expecting a dialogue about melancholy in Proust or about the disadvantages of liquid rocket fuel?

It's not unusual to do a good job in customer relations while quietly feeling contempt for the customer. But that's healthy neither for the customer nor for you. As long as you do the job, the customer will never know that you loathe him. But shouldn't you be looking around for something to do that would give you greater satisfaction?

In my experience, USAA has gone way downhill since we joined in the 1960s or 1970s. If I have to pick up the phone and call USAA, I dread it. That wasn't the situation in the recent past.

And the reason it's gone downhill can be easily explained by the forum over there at indeed.com

You'll hear from MANY employees, former and present, that will tell you exactly what is wrong with the culture of USAA. It really boils down to the fact that they only care about the bottom line. Which of course is the almighty (used to be almighty anyway) dollar. Even the mission statement we have confirms the problem

"Our mission is to facilitate the financial security of its members by sucking every penny out of them as possible"

We are entirely numbers driven, which is selling you guys something whether you need it or not. They don't care if we transfer you 10 times, as long as during that 10 xfer trip, you end up buying some product from us, that's all that matters. Don't believe me, google "USAA culture"

Robert F. Dorr
06-14-2012, 01:25 AM
And the reason it's gone downhill can be easily explained by the forum over there at indeed.com

You'll hear from MANY employees, former and present, that will tell you exactly what is wrong with the culture of USAA. It really boils down to the fact that they only care about the bottom line. Which of course is the almighty (used to be almighty anyway) dollar. Even the mission statement we have confirms the problem

"Our mission is to facilitate the financial security of its members by sucking every penny out of them as possible"

We are entirely numbers driven, which is selling you guys something whether you need it or not. They don't care if we transfer you 10 times, as long as during that 10 xfer trip, you end up buying some product from us, that's all that matters. Don't believe me, google "USAA culture"

Pretty much the story of everything nowadays, isn't it? We use USAA only for car insurance and I'm not overjoyed with them but I don't see a realistic alternative.

Rainmaker
06-14-2012, 01:29 AM
Pretty much the story of everything nowadays, isn't it? We use USAA only for car insurance and I'm not overjoyed with them but I don't see a realistic alternative.

When did USAA start letting the Enlisted swine become members?

Robert F. Dorr
06-14-2012, 01:33 AM
When did USAA start letting the Enlisted swine become members?

I thought you'd never ask. Where were you three pages ago?

When we joined, you had to be a commissioned officer, appointed by the president with the advice and consent of the Senate.

I was not a military officer but as a Foreign Service officer I was eligible to join USAA in the 1960s before it was opened to enlisted members.

WPNS
06-14-2012, 01:34 AM
Pretty much the story of everything nowadays, isn't it? We use USAA only for car insurance and I'm not overjoyed with them but I don't see a realistic alternative.

Yes that pretty much is the American story. USAA doesn't have the cheapest insurance, but where it really does shine is for the actual military members that deploy or PCS. the way we can discount the auto insurance does save the members alot of money

WPNS
06-14-2012, 01:35 AM
When did USAA start letting the Enlisted swine become members?

Yeah, read my novel I wrote a few pages back! lol

Capt Alfredo
06-14-2012, 03:27 AM
Yeah, read my novel I wrote a few pages back! lol

It wasn't "Mission to Berlin," ISBN 978-0-7603-3898-8, by Robert F. Dorr, was it?

Bob, I'll take my payment in cash.

F4CrewChick
06-14-2012, 04:27 AM
Says the clown.
:laugh crack me up

VFFSSGT
06-14-2012, 06:44 AM
I thought you'd never ask. Where were you three pages ago?

When we joined, you had to be a commissioned officer, appointed by the president with the advice and consent of the Senate.

I was not a military officer but as a Foreign Service officer I was eligible to join USAA in the 1960s before it was opened to enlisted members.

Only officers use to be able to join? Wow...

WPNS
06-14-2012, 07:10 AM
Only officers use to be able to join? Wow...

LOL, it was FOUNDED by officers, now do you see why it has finally hit rock bottom? What does the United States Air Force and United Services Automobile Association have in common? Both are run by officers, and both have been run into the ground, by OFFICERS!!!!!

MisterBen
06-14-2012, 08:51 AM
Well that is why there we have a capitalist economy that promotes competition. You dont like the way a company does business; then simply find one that does.

Robert F. Dorr
06-14-2012, 10:01 AM
Well that is why there we have a capitalist economy that promotes competition. You dont like the way a company does business; then simply find one that does.

There isn't half as much competition in the U.S. economy as there needs to be.

Robert F. Dorr
06-14-2012, 10:01 AM
Well that is why there we have a capitalist economy that promotes competition. You dont like the way a company does business; then simply find one that does.

There isn't half as much competition in the U.S. economy as there needs to be.

AF2017
06-14-2012, 07:16 PM
I like the banking side of USAA but have had my doubts about the car insurance side. One time they cancelled my car insurance because I moved. When I called them about it, they had to re-issue my policy and it was 4 times as much. Went with another company. When I bought my first house, they were great. Low rates, very helpful folks but when I bought my second house, rates were 2 points higher than the market average. Asked if they would match, the lady laughed on the phone.
I'm really suspect about the car insurance, looking at other companies. Talking with some co-workers and one of the 0's pays half of what I do and has 2 new cars, trailer and a boat. Seriously? Do 0's get a bigger break on rates than E's?

WPNS
06-14-2012, 07:37 PM
Yes, O's and SNCO's are rated in the best tier. There are 5 tiers and the lowest tier is where the dependents reside. E's are in the 2nd and 3rd tiers. They also use what they call an "Insurance Score" to really screw with your rates. They won't say exactly how much it affects the premiums, but now that I work there, I can tell you that it plays more of a role than accidents and tickets. I get really pissed at some of the rates these idiots get with 2-3 accidents (at fault too) but have excellent credit and pay lower than I do. And my driving record is spotless, never a ticker, never an accident (can be seen slamming my head against a wooden trunk) but has not so great credit and pays more...... When I quit this place, I'll take my insurance elsewhere, believe me. One thing that helps lower your car ins rates is if you have multiple products. There are 5 areas that can lower your premiums. I have seen savings of over $200 per 6 month policy term.

VFFSSGT
06-14-2012, 07:38 PM
Well that is why there we have a capitalist economy that promotes competition. You dont like the way a company does business; then simply find one that does.

I did...a credit union. :rockon And I am recommending others check out their local credit union too.

Oh and just a side note, we don't really have a capitalist economy...it is a central planning economy that is sold as capitalist, but that's another thread in itself.

Maybe USAA will also get the message and change their business practices and become more competitive...or continue on and downfall with the rest.

Rainmaker
06-14-2012, 08:45 PM
I'm getting absolutely a$$-raped by these guys on homeowners. 1600SF 30 year old ranch house. 30 miles in-land in FL. premium has gone from $850 a year to $2900 a year since 2006. at the same time the value of my house has dropped from $200K to around $100K. They overinsure everyone and then jack up the rates. Problem is no one else will write a new policy in FL. Since, all of our state legislature and governor are in the Insurance lobby's pocket there is nothing anyone can do, you have to pay what they say or go to "citizen's" the govt. owned "not for profit" run insurer of last resort. Citizen's charges outragous rates, which has made the foreclosure crisis worse down here.

Rainmaker
06-14-2012, 08:57 PM
They screwed me on one of my IRAs . I opened 2 at the same time and deposited $4k into both. Next year I put in $4k in both of them. Couple years later The market crashed and I was losing more in them then what I was making a month. I went to get my money out of them and they said one was a Roth the other was a traditional. I called BS and they said they would "Review the tapes" It came out to about a $1000 difference in penalties. They never "found the tapes" which I said to have them both Roths.
When I get back to the states Im dropping them. F them.

I got the same " we'll review the tapes" spiel from them. what a crock of shit.

DWWSWWD
06-14-2012, 09:11 PM
I'm getting absolutely a$$-raped by these guys on homeowners. 1600SF 30 year old ranch house. 30 miles in-land in FL. premium has gone from $850 a year to $2900 a year since 2006. at the same time the value of my house has dropped from $200K to around $100K. They overinsure everyone and then jack up the rates. Problem is no one else will write a new policy in FL. Since, all of our state legislature and governor are in the Insurance lobby's pocket there is nothing anyone can do, you have to pay what they say or go to "citizen's" the govt. owned "not for profit" run insurer of last resort. Citizen's charges outragous rates, which has made the foreclosure crisis worse down here. I bought a house in FL in 05 and USAA wouldn't insure it at all. I think I used State Farm. The governor at the time, Crist maybe, leaned pretty hard on the insurance companies because all of them tried to back out of Florida. He said if you don't insure the houses, we'll preclude you from being able to have any car insurance business in FL.

ttribe
06-14-2012, 09:32 PM
We recently wen to State Farm. This after getting a competitive quote from them. My Autoi insurance went up slightly but my Home owners went down sharply. One big issue I had with USAA was that they changed their Wind/Hail deductable to 1% of your propertys insured value. they did it quietly and most peopl didn't know that this had changed from what was 1000/500 deductables. All of a sudden my deducatble went to $2300. I had a bad storm 3 years ago and found that out when I called to make a claim. When I called to cancel my policy in march they put me on with a retention specialist that told me that they will change that deducable to a set amount, they just don't advertise it. Too little to late. I may go back with them some day. i just don't know. I have an auto loan with them and am happy with that.

CORNELIUSSEON
06-15-2012, 04:28 AM
It seems like many people I know are fleeing USAA, with both banking and insurance. Several years ago I wouldn't have thought about going anywhere else, but the last 4 years or so it seems they have gotten less and less competitive.

I recently closed out a credit card I had with them and their only tactic really to try to keep me was fear/scare tactics.

First, the regular representative couldn't help me close the account. I had to be transferred to a "specialist." He tried to run my credit to attempt to lower my rate but I told him they had their chance. He then was all like you are going to hurt your credit score by closing the account... It took like 15 mins to shut him up and just close the account. Maybe it's just me but if I really wanted to keep someone's business, I would lower the rate without all the BS especially when the customer has a much lower rate card and has the histoy with it to maintain the credit score.

See, I have been setting up this closure for a couple years. I got the lower rate card with a Credit Union sometime ago. I tried over that course of time to get USAA to lower the rate but they wouldn't. Plus the CU card is fixed and USAA is or was variable. I knew closing an account with long history will have a slight impact on the credit score. That's why I kept it open...while I established the history with the CU card.

Darn, I cannot use Deposit@Mobile anymore... :( If you don't know you have to have a loan or CC with them to use that service.

While I haven't found cheaper insurance YET, I know many people have with other major carriers.. And the quotes I keep getting have been better and better over the last few years...it's down to like a $50 difference over 6 months.

That check they give every year use to be substantial too...the last few years I have only been getting back pocket change.

Oh yeah, almost forgot...no personal experience, but NEVER have heard a good word about their mortgages.

USAA goes a long way back, and I certainly remember them from when I was on Active Duty. However, I was always a little suspicious of their motives, and so left them alone and used GEICO, which has a track record serving Government Employees roughly as good or better than that of USAA [GEICO is an acronym that stands for Government Employees Insurance Company, their original name), and they still look upon Government Employees as their bread and butter.

Now, I understand why USAA has been flooding the TV airwaves with advertisements, something they never did before. I take it they are in real trouble.

OtisRNeedleman
06-15-2012, 04:52 AM
Yes, O's and SNCO's are rated in the best tier. There are 5 tiers and the lowest tier is where the dependents reside. E's are in the 2nd and 3rd tiers. They also use what they call an "Insurance Score" to really screw with your rates. They won't say exactly how much it affects the premiums, but now that I work there, I can tell you that it plays more of a role than accidents and tickets. I get really pissed at some of the rates these idiots get with 2-3 accidents (at fault too) but have excellent credit and pay lower than I do. And my driving record is spotless, never a ticker, never an accident (can be seen slamming my head against a wooden trunk) but has not so great credit and pays more...... When I quit this place, I'll take my insurance elsewhere, believe me. One thing that helps lower your car ins rates is if you have multiple products. There are 5 areas that can lower your premiums. I have seen savings of over $200 per 6 month policy term.

Heck, try $350 savings for a six-month term. Two cars, low mileage, multiple products, good/premier drivers, etc.

Robert F. Dorr
06-15-2012, 09:57 AM
It wasn't "Mission to Berlin," ISBN 978-0-7603-3898-8, by Robert F. Dorr, was it?

Bob, I'll take my payment in cash.

Will gladly offer a small cash rebate to anyone who can bring about the sale of a book. However, since Capt Alfredo is referring to a novel, he must be thinking of "Mission to Paris" by Alan Furst, who gave a talk at Politics and Prose last night. Have published seventy-five books and have written six novels, all about the Air Force, but have never published a novel.

Robert F. Dorr
06-15-2012, 10:32 AM
Now, I understand why USAA has been flooding the TV airwaves with advertisements, something they never did before. I take it they are in real trouble.

More of the faux patriotism that is so rampant these days.

A few short years ago, USAA had paid board members and executive officers who were also active-duty flag officers. Gen. Hansford T. Johnson managed to command both the Military Airlift Command and the US Transportation Command during 1990-91 while pocketing $ 48,525 from USAA. Adm. Jay Johnson received $33,400 in 1995 in one of these jobs while nominee to become chief of naval operations. Wrote a column about this in Navy Times (June 27, 1996) and the practice ended soon after that.

TVANSCOT
06-15-2012, 12:14 PM
We are not a regular customer, but we did try. We got a quote for insurance for home and cars, they couldn't come close to what we are paying with Amica. My son uses USAA, he seems to be happy with them as a bank. For a bank we use a local credit union and don't see any reason to leave it at this point. Switching banks can be painful and USAA just doesn't seem to offer anything substantial enough to make us want to move.

WPNS
06-17-2012, 10:55 PM
I bought a house in FL in 05 and USAA wouldn't insure it at all. I think I used State Farm. The governor at the time, Crist maybe, leaned pretty hard on the insurance companies because all of them tried to back out of Florida. He said if you don't insure the houses, we'll preclude you from being able to have any car insurance business in FL.

The only way you can get a HOM or renters ins in FL is if you are moving to FL on PCS orders, period! Yes, the rates are high, but they are lower than citizens or ASI. We will not turn you down for car insurance if you don't get your other insurance with us, it just doesn't happen, and it's against the law (unless underwriting deems you unacceptable, and then you get a letter stating why, and it's usually from a DUI or other felony charge)

WPNS
06-17-2012, 11:01 PM
We are not a regular customer, but we did try. We got a quote for insurance for home and cars, they couldn't come close to what we are paying with Amica. My son uses USAA, he seems to be happy with them as a bank. For a bank we use a local credit union and don't see any reason to leave it at this point. Switching banks can be painful and USAA just doesn't seem to offer anything substantial enough to make us want to move.

I've heard Amica has really good rates. As far as the bank goes, I tell our members when they call in to keep their current credit union, but use USAA for a 2nd account, especially for the multi-product discounts you can possibly receive. We don't require a direct deposit to keep an account and there are no ATM fees (up to $15 a month) I like to use it as my "hide money from the wife" account

VFFSSGT
06-18-2012, 02:08 AM
I just tried an Amica quote and that's a no go...

USAA - High Risk Location, Full Coverage on 2 Vehicles, 6 months - $850 for 6 months

Amica wants $1,050 for 6 months or $2,100 a year and that's after reducing their recommend coverage to mins.

That is the one thing I have been unable to do...find cheaper insurance.

One thing I noticed with USAA Insurance, when I first got them like 10 years ago...they were a little more than the others. However, after being with them for so many years, no one seems to be able to come close.

Weather Girl
06-18-2012, 03:10 AM
USAA treated me great in the Homeowner's Insurance category after a hurricane in Louisiana knocked most of my roof off. For that, they have my loyalty. I still have my auto insured with them, but now that I live in FL I have to find a new home insurer.

SENDBILLMONEY
06-19-2012, 01:36 AM
USAA goes a long way back, and I certainly remember them from when I was on Active Duty. However, I was always a little suspicious of their motives, and so left them alone and used GEICO, which has a track record serving Government Employees roughly as good or better than that of USAA [GEICO is an acronym that stands for Government Employees Insurance Company, their original name), and they still look upon Government Employees as their bread and butter.

Now, I understand why USAA has been flooding the TV airwaves with advertisements, something they never did before. I take it they are in real trouble.

USAA does go way back, but didn't open its services to enlisted personnel until 1996.

Comm Chief
06-19-2012, 01:55 PM
USAA has really been jacking up my home insurance. I got much cheaper quotes from Progressive. Can I expect the same customer service?

Pueblo
06-19-2012, 02:18 PM
If you can find a better financial institution that has a flat rate for stock trades, free credit cards with low interest rates, no ATM fees, etc., best of luck.

CORNELIUSSEON
06-19-2012, 02:43 PM
USAA does go way back, but didn't open its services to enlisted personnel until 1996.

Which would explain why I ended up using GEICO. BTW, if you look at the primary TV Ad they show pictures of troops from as far back as World War Two who were satisfied customers of USAA, but cut away from them before you can scan the photos long enough to identify the rank of the individual shown, except for an African-American Air Corps P-51 Pilot, which would have been an Officer, since the Air Corps never allowed any of the "Tuskegee Airmen" to be Enlisted Pilots, only Ground Personnel.

WPNS
06-20-2012, 06:21 AM
USAA has really been jacking up my home insurance. I got much cheaper quotes from Progressive. Can I expect the same customer service?

Not if I'm answering the phones!!!! LOL j/k But no, seriously, don't call, we're too busy being micromanaged at a magnitude 1x10 to the 1 millionth power!

If you get a USAA rep, 90+% of the time the customer service will be great, unless you get one of our vendors, which would include names like "Rakheezaj and Bahzehja" Yes, USAA has stooped to farming out some credit card services to foreigners, which I hear about from ye ol crusty members. And I don't blame them!

CMSBROWN
06-20-2012, 06:04 PM
I have been with USAA since 1998.

I have had no problems with claims that needed to be filed and the customer service has been exceptional.

I have searched high and low to see if they can be beat and funny response I get from other agents are, "They are pretty good, not sure if we can beat them but will try." And they are correct. USAA rates atleast for me have been very good.

Homeowners is the only rate I question...It has gone up from 485 to 846 in 4yrs. The only claim I have had was hail damage. I called USAA and asked WTF! Their answer was that due to the catastrophic events in the southern US they have raised there rates. I was thinking...really...I am making up for those who chose to live down south and have needed compensation for it and to insure USAA profits? Didn't seem right to me so off I went to get HO quotes...and damned if USAA is still way lower then the others.

Homeowners for the year is $846

Auto Ins for:
2008 MB C300
2011 Chevy Silverado 2500HD
2012 Chevy Camero LS
2006 Flagstaff 26Ft Camper

6 month full coverage premium with $1000 deductible is $1073

Had MC coverage but they dropped that and I went to GEICO and insured my Streetglide and wife's Sporty there for a year with a really good rate.

What I don't care for is thier brokerage services to trade stock...they rape you so I only deal with TDA to trade stocks.

I have a credit union that we used to deposit check but since USAA came out with an App to take a picture of your check with your Iphone I don't use it.:yo

soferio
06-20-2012, 06:21 PM
I have noticed that with my car loans they just never have put in a competitive offer.

But I love USAA,

My Credit Card is great, so what if they APR isn't the lowest I've ever seen I dont use it to subsidize my lifestyle I use it only when needed then pay it right off.

I've never seen or heard of better Auto or Home insurance then them. Rock in your windshield, fix it for free, Wife locks keys in the truck, fix it for free. Wife gets in a wreck small cover payment and fixed fast and was super easy to use.
Home insurance/Renters insurance, when I was renting we lost power for two days and stuff spoiled... They gave me money to cover all the food in my fridge again for free.

I've never had better customer service through anymore as I do through USAA.

Then CC, someone used my CC and bouhght a bunch of stuff, USAA fixed it and overnighted a new card to me... again for free.

USAA has earned my loyalty through their customer service, I dont know why you had a bad time with them.

Robert F. Dorr
06-20-2012, 06:23 PM
A lot of the negatives are the result of comparing the USAA of today with the USAA of the past. It used to be better. But, then, everything did.

Shrike
06-20-2012, 06:40 PM
A lot of the negatives are the result of comparing the USAA of today with the USAA of the past. It used to be better. But, then, everything did.

“In every age 'the good old days' were a myth. No one ever thought they were good at the time. For every age has consisted of crises that seemed intolerable to the people who lived through them.” - Brooks Atkinson


“Nothing is more responsible for the good old days than a bad memory.” - Franklin Pierce Adams

Rainmaker
06-20-2012, 08:55 PM
“In every age 'the good old days' were a myth. No one ever thought they were good at the time. For every age has consisted of crises that seemed intolerable to the people who lived through them.” - Brooks Atkinson


“Nothing is more responsible for the good old days than a bad memory.” - Franklin Pierce Adams


"The ability to quote is a serviceable substitute for wit." -Somerset Maugham

Shrike
06-20-2012, 09:01 PM
"The ability to quote is a serviceable substitute for wit." -Somerset Maugham

"I can no other answer make, but thanks, and thanks."
-William Shakespeare

CMSBROWN
06-20-2012, 09:08 PM
A lot of the negatives are the result of comparing the USAA of today with the USAA of the past. It used to be better. But, then, everything did.

Was that because it was an "O" exclusive insurance club?

Hey they sell guns in the BX now....didn't use to before like the old days.....just ammo.

Rainmaker
06-20-2012, 09:22 PM
"I can no other answer make, but thanks, and thanks."
-William Shakespeare

and yes. It is true. i just quoted a Homo.

sandsjames
06-21-2012, 05:50 AM
I've had USAA for 15 years. I've always been very happy with them. I always get great service, and have home owners, renters, car insurance, mortgage, credit, and banking through them. It's always nice to get most of my ATM fees back at the end of the month. I know they aren't the cheapest around, but I'm a "bundle" kind of guy. One company to contact. I'd rather pay a little more and not have to make 6 different phone calls to take care of everything.

However, recently they have started charging for ATM usage. Last month I got the usual $15 back for my withdrawels, but there was an $18 charge for the number of withdrawels. This was a first, and I am definitely thinking about a credit union for my banking now.

AFWolf
06-24-2012, 10:35 PM
So other suggestions are:
credit union for banking
Geico or Amica for insurance
TDA for stocks

Any other suggestions for good alternatives?

MilPhD
06-25-2012, 06:21 PM
I worked ten years for USAA, leaving as a senior claims adjuster. I too noticed the quality of service and employee care dramatically decline, reason I left. Work load increased severely and a focus on numbers rather than member service became the standard around 2001. I used to thoroughly enjoy working with the membership and doing what I could to make their claims experience enjoyable. I believe a combination of employee laziness, very poor management, greed of the members, and market conditions lead to the degraded experience for USAA insurance. That being said, they are still the best in the market, and I have maintained my insurance and financial needs with them.

While other insurance companies may be less "expensive" USAA adjusters are?/were told to look for coverage rather than look to deny the claim. I had experience dealing with other insurance carriers, directly and some of the things I saw with other companies is frightening. A few MAJOR companies (P) and (N) would frequenly make their adjusters overlook frame damage to save significant repair costs, because the vehicle owner would likely never see the damage.

I worked for the "N" company before getting completely out of the insurance business, and was told not to pay on frame damage because it was minor visible (with cover off), even though the shop agreed the frame needed work, but no one would raise a stink out of fear of losing business or their job. So be careful with whom you insure, those premiums are only part of the picture.

USAA is still a great company, in so far as an insurance company can be a "great company." I also never worked in a place before or since with so many pretty ladies.

Absinthe Anecdote
06-25-2012, 06:30 PM
I worked ten years for USAA, leaving as a senior claims adjuster. I too noticed the quality of service and employee care dramatically decline, reason I left. Work load increased severely and a focus on numbers rather than member service became the standard around 2001. I used to thoroughly enjoy working with the membership and doing what I could to make their claims experience enjoyable. I believe a combination of employee laziness, very poor management, greed of the members, and market conditions lead to the degraded experience for USAA insurance. That being said, they are still the best in the market, and I have maintained my insurance and financial needs with them.

While other insurance companies may be less "expensive" USAA adjusters are?/were told to look for coverage rather than look to deny the claim. I had experience dealing with other insurance carriers, directly and some of the things I saw with other companies is frightening. A few MAJOR companies (P) and (N) would frequenly make their adjusters overlook frame damage to save significant repair costs, because the vehicle owner would likely never see the damage.

I worked for the "N" company before getting completely out of the insurance business, and was told not to pay on frame damage because it was minor visible (with cover off), even though the shop agreed the frame needed work, but no one would raise a stink out of fear of losing business or their job. So be careful with whom you insure, those premiums are only part of the picture.

USAA is still a great company, in so far as an insurance company can be a "great company." I also never worked in a place before or since with so many pretty ladies.

“You are not a beautiful and unique snowflake. You are the same decaying organic matter as everyone else, and we are all part of the same compost pile.”

PS

That last sentence is good information. ;)

AFCommunicator
08-16-2012, 06:43 PM
I hate to revive an old thread, but this was the best place to put it. Does anyone have a similar story to this, with regard to USAA Homeowners Insurance? Here goes:

We had a hailstorm in my area back in June. Couple days ago, this roofing contractor wants to do a free assessment of the roof, we said, sure. House is 14 years old. He says we have damage from the storm, and we should replace it. We go to file a claim with USAA, and their adjustor comes out today to inspect the roof. Not only does the adjustor say yep, roof needs to be replaced, but goes on to say that we have other damage to the house (which was news to us). In short, they are going to pay to:

- Replace the roof
- Replace the fence
- Repaint the house
- Replace the gutters
- Replace the screens

Has anyone had anything similar happen to them, with regards to USAA? This seems too good to be true.

- AFC

AFWolf
08-16-2012, 07:11 PM
I just signed up for car insurance, renter's insurance, etc.

I am getting better rates along with getting more with it.

Does anybody have any intel about the pre-commissioned loans, good for 12 months from the end of the month of the date of commissioning? Ideas of how this has been used well? This seems ideal for a down payment on a house.
5 year loan of $25,000 at 2.99% fixed rate: pay back $450 per month

Sperry1989
08-16-2012, 11:55 PM
I have had homeowners insurance with USAA for 15 yrs. My house was broken into last August and the thieves got away with my son's xbox, all his games, and his piggy bank ($100) while tossing my entire house. The criminals entered my home by kicking in my back door and busting the frame. Luckily this occurred during the day when no one was home. Anyway, they caused about $1500 in damage and I have a $500 deductible.

I had no problems collecting for the structural damage but USAA depreciated the xbox (1 yr old) and all the games. Also, my premium increased $30 per year. I am not sure if they were fair or not because I have never filed a claim before so I do not have a point of reference to make a comparison.

TJMAC77SP
08-17-2012, 12:37 PM
How did I miss this thread back in June ?

paranoia, name calling and Shrike called a meeting of the lunch table and I missed it.......shame on me.

Oh yeah, there was some talk of USAA too.

WPNS
09-07-2012, 04:15 AM
Bring it back to the front!

Elvisftr
08-23-2013, 06:35 PM
WARNING. USAA has a new trick they are using that can create financial and credit havoc on you.
I have the USAA Master Card. I've been a member with them since 1989. Last month I hit my limit on the card but didn't know it. USAA allowed me to go $3000 over my limit. Then then contacted me at the end of the month and demanded a $3000 dollar payment at once or threatened to report me to credit agencies. I got them on the phone ASAP and asked how they let me go over that much. No one had an answer. and no one would help. Spoke to at least 4 departments and numerous people to no avail. So instead of a normal payment I have to make a huge payment or suffer USAA consequences. Be warned this can happen you. USAA can financially devastate you with little or no regard to you

:saroll:

mikezulu1
08-23-2013, 09:30 PM
WARNING. USAA has a new trick they are using that can create financial and credit havoc on you.
I have the USAA Master Card. I've been a member with them since 1989. Last month I hit my limit on the card but didn't know it. USAA allowed me to go $3000 over my limit. Then then contacted me at the end of the month and demanded a $3000 dollar payment at once or threatened to report me to credit agencies. I got them on the phone ASAP and asked how they let me go over that much. No one had an answer. and no one would help. Spoke to at least 4 departments and numerous people to no avail. So instead of a normal payment I have to make a huge payment or suffer USAA consequences. Be warned this can happen you. USAA can financially devastate you with little or no regard to you

:saroll:

If you were on top of your finances this wouldnt be an issue. "I got them on the phone ASAP and asked how they let me go over that much" its not their job to monitor your spending you are an adult. It is weird you were able to overcharge that much, but thats on you. You should be aware what the balance is on your credit cards and how much you have available.

FLAPS, USAF (ret)
08-23-2013, 09:39 PM
I use USAA for my banking and insurance needs and I think they're great.

OtisRNeedleman
08-23-2013, 09:45 PM
I use USAA for my banking and insurance needs and I think they're great.

I've been with USAA since 1980 and plan to stick with them until the day I die.

Chief_KO
08-23-2013, 10:32 PM
I'm very pleased with the auto and homeowners insurance, especially the claims process. Even though no office here, the online and phone part works well. Financially we have mortage which we just re-financed.

grimreaper
08-24-2013, 12:11 AM
WARNING. USAA has a new trick they are using that can create financial and credit havoc on you.
I have the USAA Master Card. I've been a member with them since 1989. Last month I hit my limit on the card but didn't know it. USAA allowed me to go $3000 over my limit. Then then contacted me at the end of the month and demanded a $3000 dollar payment at once or threatened to report me to credit agencies. I got them on the phone ASAP and asked how they let me go over that much. No one had an answer. and no one would help. Spoke to at least 4 departments and numerous people to no avail. So instead of a normal payment I have to make a huge payment or suffer USAA consequences. Be warned this can happen you. USAA can financially devastate you with little or no regard to you:saroll:

Sounds to me like you did this to yourself. All they did was hand you the noose. You went ahead put it around your neck.

imnohero
08-24-2013, 12:35 AM
^^^ what grim said.

You think some other bank/credit card would have treated you any differently?

efmbman
08-24-2013, 01:01 AM
WARNING. USAA has a new trick they are using that can create financial and credit havoc on you.
I have the USAA Master Card. I've been a member with them since 1989. Last month I hit my limit on the card but didn't know it. USAA allowed me to go $3000 over my limit. Then then contacted me at the end of the month and demanded a $3000 dollar payment at once or threatened to report me to credit agencies. I got them on the phone ASAP and asked how they let me go over that much. No one had an answer. and no one would help. Spoke to at least 4 departments and numerous people to no avail. So instead of a normal payment I have to make a huge payment or suffer USAA consequences. Be warned this can happen you. USAA can financially devastate you with little or no regard to you

:saroll:

It is YOUR responsibility to monitor your finances, not USAA. I sounds like you would be better off opening an account with the National Nanny Bank. I wish I knew why so many people are quick to blame others for their own mistakes. Be responsible, take responsibility, learn from it. It is cowardly and morally repugnant to so obviously fail to monitor YOUR account and then try to blame USAA. Even more so that you may be a member of our armed forces charged with defending this country and doing your duty to the best of your ability. If you can't even monitor your own finances, how effective are you are whatever military specialty you may have?

wxjumper
08-24-2013, 01:32 AM
If you were on top of your finances this wouldnt be an issue. "I got them on the phone ASAP and asked how they let me go over that much" its not their job to monitor your spending you are an adult. It is weird you were able to overcharge that much, but thats on you. You should be aware what the balance is on your credit cards and how much you have available.

He has partial responsibility but saying it is all on him is giving Credit Card companies and corporate America a BIG pass. Credit Cards shouldn't let people go over the limit, and if they di it should only be a hundred or two. But they don't, because letting people going over their limit, then penalizing them later results in big profits for them. It's predatory and should be stopped.

Badger
08-24-2013, 01:55 AM
He has partial responsibility but saying it is all on him is giving Credit Card companies and corporate America a BIG pass. Credit Cards shouldn't let people go over the limit, and if they di it should only be a hundred or two. But they don't, because letting people going over their limit, then penalizing them later results in big profits for them. It's predatory and should be stopped.

USAA or any other bank is assuming the risk by extending a line of credit to this dude and by God they should be compensated for it. The man was $3000 over his limit. Where do you think that money comes from while this guy fritters away his day and doesn't check his account? What guarantee does the bank have that this loan is ever going to be paid back. They have to mitigate the risk by charging penalties which are CLEARLY described in the cardholder agreement that came with his credit card.

grimreaper
08-24-2013, 02:09 AM
He has partial responsibility but saying it is all on him is giving Credit Card companies and corporate America a BIG pass. Credit Cards shouldn't let people go over the limit, and if they di it should only be a hundred or two. But they don't, because letting people going over their limit, then penalizing them later results in big profits for them. It's predatory and should be stopped.

I just logged into my USAA account and looked at my credit card account. It clearly shows my available credit, my current balance and the minimum payment due in big bold letters and numbers. It will tell you the same thing if you call and use the automated system by phone, or use the smartphone app. The information is readily available to him and he chose to be irresponsible instead. It also says in the terms of and conditions what the penalties are for exceeding the credit limit. He agreed to those terms when he applied for the card. Instead of manning-up and accepting responsibility, he's trying to blame USAA.

wxjumper
08-24-2013, 02:14 AM
USAA or any other bank is assuming the risk by extending a line of credit to this dude and by God they should be compensated for it. The man was $3000 over his limit. Where do you think that money comes from while this guy fritters away his day and doesn't check his account? What guarantee does the bank have that this loan is ever going to be paid back. They have to mitigate the risk by charging penalties which are CLEARLY described in the cardholder agreement that came with his credit card.

Or, God forbid.... wait for it....... They decline transactions that are over the limit like all Credit Cards used to do. But that would take away too much profit, so they continue to feed off those with no self-control, adding to America's debt culture.

wxjumper
08-24-2013, 02:15 AM
I just logged into my USAA account and looked at my credit card account. It clearly shows my available credit, my current balance and the minimum payment due in big bold letters and numbers. It will tell you the same thing if you call and use the automated system by phone, or use the smartphone app. The information is readily available to him and he chose to be irresponsible instead. It also says in the terms of and conditions what the penalties are for exceeding the credit limit. He agreed to those terms when he applied for the card. Instead of manning-up and accepting responsibility, he's trying to blame USAA.Yep, he has some responsibility. That is why I said it in my post.

grimreaper
08-24-2013, 04:48 AM
Yep, he has some responsibility. That is why I said it in my post.

He has ALL the responsibility. For someone to say they didn't know they were $3k over their limit is full of BS. If he didn't know, it's because he didn't look. Not like it's a secret. It's not USAA's problem to protect you from yourself.

grimreaper
08-24-2013, 04:56 AM
Or, God forbid.... wait for it....... They decline transactions that are over the limit like all Credit Cards used to do. But that would take away too much profit, so they continue to feed off those with no self-control, adding to America's debt culture.

Yeah, and then he'd be bitching and blaming USAA because he couldn't feed his family, buy diapers for the kids or buy that birthday present for little Johnny. Here's a better idea...do what I've been told since the day I stepped foot in the Air Force...use credit cards for emergencies and pay them off to avoid the interest charges...Nah, that makes too much sense. Much easier to blame the bank.

wxjumper
08-24-2013, 03:15 PM
He has ALL the responsibility. For someone to say they didn't know they were $3k over their limit is full of BS. If he didn't know, it's because he didn't look. Not like it's a secret. It's not USAA's problem to protect you from yourself.

Negative. USAA absolutely bears some responsibility in this for their predatory tactics. If a credit card company is going to impose a credit limit, then they should stick by them. Unlike 10 years ago, most don't now so they can charge higher interest rates, massive penalties, and exuberant over limit fees.

wxjumper
08-24-2013, 03:20 PM
Yeah, and then he'd be bitching and blaming USAA because he couldn't feed his family, buy diapers for the kids or buy that birthday present for little Johnny. Here's a better idea...do what I've been told since the day I stepped foot in the Air Force...use credit cards for emergencies and pay them off to avoid the interest charges...Nah, that makes too much sense. Much easier to blame the bank.lol, really? Is that why you think USAA lets people go over their limit? Because they are worried people will complain to them about not being able to feed their family?

efmbman
08-24-2013, 03:28 PM
Negative. USAA absolutely bears some responsibility in this for their predatory tactics. If a credit card company is going to impose a credit limit, then they should stick by them. Unlike 10 years ago, most don't now so they can charge higher interest rates, massive penalties, and exuberant over limit fees.


lol, really? Is that why you think USAA lets people go over their limit? Because they are worried people will complain to them about not being able to feed their family?

Simply ridiculous. Explain this then: you make the choice to drive over the posted speed limit. A police officer stops you and writes a ticket for speeding. Do you blame the highway department because they posted a speed limit to low for your purposes? Do you blame the vehicle manufacturer because they built a car that would so easily exceed the posted speed limit? Or is it the police officer for being predatory and patrolling to ensure you actually drive the posted speed limit?

Do you have no sense of personal responsibility?

imnohero
08-24-2013, 03:28 PM
what they "used to do" was just automatically increase your credit limit. Happened to me all the time. That's how I ran up 25K in credit card debt. (on what is a different story). Is it my fault or the banks fault that I charged all that crap? Learned my lesson though, and that was a couple of lean years until I got them paid off.

Do I think what the bank did was right? No. But expecting a corporation to be a moral actor is asking a bit much. On the other hand, this (and a bunch of other stuff) is why we got the consumer protection agency (or whatever it's called).

wxjumper
08-24-2013, 04:07 PM
Simply ridiculous. Explain this then: you make the choice to drive over the posted speed limit. A police officer stops you and writes a ticket for speeding. Do you blame the highway department because they posted a speed limit to low for your purposes? Do you blame the vehicle manufacturer because they built a car that would so easily exceed the posted speed limit? Or is it the police officer for being predatory and patrolling to ensure you actually drive the posted speed limit?

Do you have no sense of personal responsibility?How many times do I have to say the guy involved does bear some of the responsibility? 30 times before you get it? The example you give is a poor one since a vast majority of people who speed everyday don't get caught (heck, if you are not going at least 10mph over the limit down 98 towards Hurlburt every morning you are going too slow and holding up traffic) and pay no penalty. Everybody who is allowed to go over their credit limit does pay some type of penalty either in over limit fees, increased interest rates, or ballooned monthly payments.

This is a perfect example of what is refereed to a comparative negligence situation. For example, lets say your neighbor leaves a loaded gun out in his yard and your 20 year old kid home on college break and his friends go over there, swipe it, and go into the woods and start playing with it. While they are playing with it, your kid accidentally gets shot and dies. Are you saying that the neighbor bears no responsibility for leaving a loaded gun outside and unguarded? Some would say that your kid bears all the responsibility, he is an adult and should have known better. I say that both are responsible, the neighbor for being careless with the weapon and your kid for stealing it.

In this case, USAA is leaving a loaded gun out there by not declining charges once you go over your credit limit (purposely too, hence the predatory tactics). This guy then took that loaded gun, and was dumb, and but himself in a bad situation. He bears responsibility for that. But USAA has comparative responsibility for their predatory tactics on people who don't know better (like a college kid).

efmbman
08-24-2013, 04:27 PM
How many times do I have to say the guy involved does bear some of the responsibility? 30 times before you get it? The example you give is a poor one since a vast majority of people who speed everyday don't get caught (heck, if you are not going at least 10mph over the limit down 98 towards Hurlburt every morning you are going too slow and holding up traffic) and pay no penalty.

So by your logic, just because many are also doing it and not getting caught that makes it OK. Again, no personal accountability. It is a very simple concept: if you do not like to get speeding tickets, don't speed. If you do not want to pay large penalties for exceeding your credit limit, don't exceed you credit limit. Why should the bank go out of their way to protect you from yourself?


For example, lets say your neighbor leaves a loaded gun out in his yard and your 20 year old kid home on college break and his friends go over there, swipe it, and go into the woods and start playing with it. While they are playing with it, your kid accidentally gets shot and dies. Are you saying that the neighbor bears no responsibility for leaving a loaded gun outside and unguarded? Some would say that your kid bears all the responsibility, he is an adult and should have known better. I say that both are responsible, the neighbor for being careless with the weapon and your kid for stealing it.

Guns do not spontaneously pull their own triggers. You willingly use your credit card. Your example fails because it would only make sense if someone stole your credit card and that is how the limit on the card was exceeded. Kudos for trying to bring in the 2nd Amendment / gun nut debate.


In this case, USAA is leaving a loaded gun out there by not declining charges once you go over your credit limit (purposely too, hence the predatory tactics). This guy then took that loaded gun, and was dumb, and but himself in a bad situation. He bears responsibility for that. But USAA has comparative responsibility for their predatory tactics on people who don't know better (like a college kid).

I disagree. Credit is a service offered. It is very comparable to a product that one buys and uses. I don't need a sticker on my propane tank to tell me I should not drill a hole into it. I am already certain that is a bad idea. I don't need a warning on my garbage bags to know that I should not seal on over my head or I will suffocate. I already know that is a bad idea. When one applies for and is granted credit, there is paperwork involved that clearly outlines the limits of the credit, the fees for the credit, and the penalties for not following the agreement.

The banks and credit card companies are in business to make a profit on the service they offer. If this was not the case, none of them would exist. That is why there is an interest rate attached to the deal. If you are so afraid of the "predatory practices" then you should either avoid credit cards until you know how to responsibly uses them or try to find a lender that does not care if you go over the limit and just gives you a pass for doing so. Lots of luck with option #2.

Badger
08-24-2013, 04:35 PM
How many times do I have to say the guy involved does bear some of the responsibility? 30 times before you get it?

You keep saying he bears some of the responsibility, but how much is some? According to you, it seems like the vast majority of the blame should be placed on the bank.

wxjumper
08-24-2013, 06:37 PM
You keep saying he bears some of the responsibility, but how much is some? According to you, it seems like the vast majority of the blame should be placed on the bank.

Comparative responsibility, look it up.

imnohero
08-24-2013, 06:46 PM
Comparative responsibility, look it up.

It's a legal concept to responsibility for "injury". I'm not even sure there is an injury in this case.

wxjumper
08-24-2013, 06:49 PM
So by your logic, just because many are also doing it and not getting caught that makes it OK. Again, no personal accountability. It is a very simple concept: if you do not like to get speeding tickets, don't speed. If you do not want to pay large penalties for exceeding your credit limit, don't exceed you credit limit. Why should the bank go out of their way to protect you from yourself?



Guns do not spontaneously pull their own triggers. You willingly use your credit card. Your example fails because it would only make sense if someone stole your credit card and that is how the limit on the card was exceeded. Kudos for trying to bring in the 2nd Amendment / gun nut debate.



I disagree. Credit is a service offered. It is very comparable to a product that one buys and uses. I don't need a sticker on my propane tank to tell me I should not drill a hole into it. I am already certain that is a bad idea. I don't need a warning on my garbage bags to know that I should not seal on over my head or I will suffocate. I already know that is a bad idea. When one applies for and is granted credit, there is paperwork involved that clearly outlines the limits of the credit, the fees for the credit, and the penalties for not following the agreement.

The banks and credit card companies are in business to make a profit on the service they offer. If this was not the case, none of them would exist. That is why there is an interest rate attached to the deal. If you are so afraid of the "predatory practices" then you should either avoid credit cards until you know how to responsibly uses them or try to find a lender that does not care if you go over the limit and just gives you a pass for doing so. Lots of luck with option #2.Yeah, I don't know how to do this multi-quote bullshit that you guys that like to sit here all day and argue do so I am just going to answer you in one long rambling paragraph. I could give a shit about what you think about the speeding argument, because that argument has nothing to do with this situation and is non comparative. You are comparing apples and oranges. So you can get into semantics all you want but the speeding comparison is null and void. So you are saying that the gun owner bears no responsibility? hmm, interesting. 50 states have laws that disagree with you. I sure hope you don't have a license to own a gun, or worse a concealed carry license. And how is bringing up that example trying to bring up the second amendment? lol, I do own a gun and have a concealed carry fyi. You are just trying to sidetrack the main argument. You disagree with my example? I am so hurt. You disagree only because it perfectly illustrates how the bank bears comparative responsibility. Since you claim that USAA "clearly" lays out all their fees and tricks, I challenge you to go find their policy on over limit transactions and fees. Thanks for the 2 cent advise on credit cards, but I;ve never had a problem. ohh, btw, Congress has already passed some laws and is in the process of passing some more to stop these predatory practices by the CC companies. How's that for a multi-quote response? lol

wxjumper
08-24-2013, 06:51 PM
It's a legal concept to responsibility for "injury". I'm not even sure there is an injury in this case.
It's also called proportional responsibility. Either way, it answered your question.

grimreaper
08-24-2013, 06:53 PM
Yeah, I don't know how to do this multi-quote bullshit that you guys that like to sit here all day and argue do so I am just going to answer you in one long rambling paragraph. I could give a shit about what you think about the speeding argument, because that argument has nothing to do with this situation and is non comparative. You are comparing apples and oranges. So you can get into semantics all you want but the speeding comparison is null and void. So you are saying that the gun owner bears no responsibility? hmm, interesting. 50 states have laws that disagree with you. I sure hope you don't have a license to own a gun, or worse a concealed carry license. And how is bringing up that example trying to bring up the second amendment? lol, I do own a gun and have a concealed carry fyi. You are just trying to sidetrack the main argument. You disagree with my example? I am so hurt. You disagree only because it perfectly illustrates how the bank bears comparative responsibility. Since you claim that USAA "clearly" lays out all their fees and tricks, I challenge you to go find their policy on over limit transactions and fees. Thanks for the 2 cent advise on credit cards, but I;ve never had a problem. ohh, btw, Congress has already passed some laws and is in the process of passing some more to stop these predatory practices by the CC companies. How's that for a multi-quote response? lol

LOL, if and when he gets reported to his Chain of Command by the bank for failure to pay, how do you think the excuse "But the bank allowed me to go over my credit limit" is going to fly? Nuff said.

wxjumper
08-24-2013, 06:55 PM
LOL, if and when he gets reported to his Chain of Command by the bank for failure to pay, how do you think the excuse "But the bank allowed me to go over my credit limit" is going to fly? Nuff said.

He'll probably get some paperwork, as he should.

efmbman
08-24-2013, 07:03 PM
...one long rambling paragraph...

I did not intend to get you all emotional... my apologies. I am just the type of person that accepts personal responsibility for my actions. Maybe you don't. To each his own I guess. I don't blame McDonalds for overweight people - I blame those that eat irresponsibly. I find it sad that there is such a large segment of our society that would rather point a finger at someone or something for all their troubles instead of looking in the mirror and changing how they do things.

I appreciate your concern about if I own a gun. I can share concerns, too. I hope you are not a leader of troops. Your position on responsibility will further erode the readiness and maturity of any troops you are in charge of. Would you apply this same logic toward your troops? If a troop that you are responsible for shows up for duty drunk and offers the excuse that the bartender kept serving would you accept that? Or would you take the position that the troop is ultimately responsible for their own actions?

You have your opinions, I have mine. Let's leave it at that. It was an interesting debate until the emotions arrived.

wxjumper
08-24-2013, 07:16 PM
I did not intend to get you all emotional... my apologies. I am just the type of person that accepts personal responsibility for my actions. Maybe you don't. To each his own I guess. I don't blame McDonalds for overweight people - I blame those that eat irresponsibly. I find it sad that there is such a large segment of our society that would rather point a finger at someone or something for all their troubles instead of looking in the mirror and changing how they do things.

I appreciate your concern about if I own a gun. I can share concerns, too. I hope you are not a leader of troops. Your position on responsibility will further erode the readiness and maturity of any troops you are in charge of. Would you apply this same logic toward your troops? If a troop that you are responsible for shows up for duty drunk and offers the excuse that the bartender kept serving would you accept that? Or would you take the position that the troop is ultimately responsible for their own actions?

You have your opinions, I have mine. Let's leave it at that. It was an interesting debate until the emotions arrived.
ANd I'll flip it right back at ya buddy. I hope you don't lead troops. Your position on responsibility, that everything is 100% the troops fault all the time, leads to this zero tolerance bullshit we see in some units where people get article 15s for the smallest infractions.

btw, don't let my above post saying I would give the guy paperwork throw you off. lol

garhkal
08-24-2013, 08:05 PM
Banking and finance is such a personal choice that it's hard to say why people leave one bank (or insurer) for another. What rates you get (and who is competitive) depends on the individual circumstances.

For myself, I've found USAA to offer the best rates on auto/home insurance with the coverages I carry. Life insurance, they couldn't even come close to the VGLI rates. I can't say I'm thrilled at their loan/credit card rates, but I haven't found substantially lower rates anywhere else. The representatives are helpful and don't give me the "hard sell" on their other products. As a mortgage servicer, they are spot on, at least from my experience.

But like I said, financial institutions are a rather personal experience. Your mileage my vary.

Well said. When i initially got my car in Guam back in 05, i went local as it was quicker. When i got it stateside in 07, i shopped around, and USAA turned out to be 87 bucks a quarter cheaper for my bill. When i got my house in Gulfport, they were 73 bucks (72.50 to be exact) cheaper for home owners insurance than Geico, 88.75 cheaper than allstate, and iirc 102 or so cheaper than State farm. BUT by then i had been banking with NFCU for well over 15 years, so didn't bother shifting my banking over to them.
Still have not.


When I PCSd I lost windshield coverage.. They never told me this. My rates went up so I raised my deductible. Well first week in my new car and my windshield shattered.. They wouldnt cover it.. $550 down the drain... When I called to get it replaced under the insurance they told me it wasnt covered.. I told them it was at my last base they said its not at this one. I asked them well why the hell didnt you tell me? Their response was do you expect us to tell you all the changes with your coverage when you PCS?? Uhh yeah..

DAMN. you got borked man. So i can understand your frustration.


In all fairness, are there any banks out there where the majority of comments are not complaints? When you deal with money in today's economy, rarely are people going to be happy.

+100. I have found out through the years, whether ti was NFCU, hotels, other banks etc, when people are happy with the service from said institution, they just stay content. When people are irked, they voice it.


Rep with an attitude? Far from it old man. My point is that there are so many people out there that want to be hand-walked across the path of life that it's quite comical. So of course you'll get the very best service possible from me, but that doesn't mean I'm not secretly calling you a total fuck-tard in my mind.

Over the years, even with handouts showing what to do, i have been surprised at the number of numpties who still call our help desk (ADP/COMMS) to ask how do i do xyz. So i can understand where you are coming from.


Anybody use the Home Value Monitoring on USAA?

How does it work for you? I think mine is pretty low...there is a $40K difference between USAA Home Value and Zestimate. I kind of like the Zestimate one and think it's closer to reality.

What's that??

garhkal
08-25-2013, 04:44 AM
AH.. Thanks.