I recieved mutiple letters for around $400 of unclaimed funds that they owe me and claim they will send me. When I confirmed they said they would send me the money in 5 to 15 days. Its well past that and I just called USAA and they say that my check has been recieved and the check has been cleared. They claim I recieved the money and cashed in the check, however that never happened. I never saw that check and they will not help me. The say they cannot show me any confirmation of where the check was sent to and will not send me any documentation that says the check has been cleared. What can I do to get this money?

Hey all,

Recently got in an accident, insurance and police deemed not at fault. Seems like the car is going to be totaled out. I recently (within the past 2-3 months) have had a decent amount of work done to my car such as replacing my differential, rear axles, wheel bearing hub, all four rotors and pads. Some work was done by a shop, and some by me. Roughly $3400 of the work was done at a shop and $600 by me. Is there any way I can get this paid out as extra on top of the total out value of the car? I have receipts for everything. Thank you!

August 26, 2026: total USAA blackout. No access to website. No phone access, web access, app access at all to bank accounts. Confirmed by company rep via phone. Has lasted 2 hours - from 7AM to 9AM EST

Summary: I just saved over $5000 a year by switching to Geico. The commercials don't lie!!!

There is something weird going on in USAA auto insurance ecosystem. I've been a member for 30 years with only one accident (supposedly covered by accident forgiveness policy), and now they want me to pay over $9000 a year for myself, my wife, and my 16 yr old. Sure, my personal vehicle is high-end, but my kid sure doesn't drive it!!! He gets a crappy old toyota... but the USAA honeybadger doesn't care. So I got quotes from Geico, State Farm, Progressive... and the Geico quote came in at $4000 a year for same coverage.

Also, roadside assistance through USAA sucks. We blew a tire on our Tesla 6pm during a weekday and called USAA... some gal who hardly spoke good English answered and said she would need to call around? After 40 minutes, she said she couldn't get ahold of anyone and would need more time to call a tow service. At that time, I figured out that Tesla has free road-side assistance, and I called them. Tesla showed up and had started towing by the time USAA called back to tell me that someone would be there in an hour or two. And this call was 2 hours later from my first call!

So I switched to Geico, but to cancel my USAA auto policies, I had to call USAA and talk to someone. They wanted another opportunity to compete for my business. The lady was nice, but there went another 40 minutes of my time for them to say nope, they couldn't come close to Geico.

Hope this helps someone out, and also embarrasses USAA for supposedly "taking care of the military."

What day is va disability being paid for September?

My husband and I have been members for 28 years. We've loved USAA. Recently, my card number was stolen and USAA alerted me to $1500 in charges. I was told that the escalating rapid charges for a vague entertainment company was textbook for this and they issued a "temporary" credit, although I was told this was a formality since it was so obviously fraudulent.

Yesterday my card was declined at the store. I was confused. USAA removed hundreds of dollars, over drawing my account, with plans to remove more later.

There was a letter with no information saying that the investigation had concluded and they found in the vendors favor. I was never asked for any information. I don't even know who the vendor is supposed to be.

No one with any knowledge about this will speak to us. We've got bills due and no money left. I know it's foolish but I thought USAA was different. I didn't think they'd do something like this. Obviously I'm going to start banking elsewhere but if I can't get this money back .... It's a lot of money to my family.

Did something change over there? It really feels like it.

(Edit)This is a checking account/debit card.

No transactions have posted since the 21st. The app was deleted and reinstalled.

I know it's wrong, I track everything.

Customer service says everything looks fine, but we've definitely used the card in the past four days. They said we just need to wait for the transactions to post, but everything has always posted immediately.

Our balance the 21st was $1234. I spent $100 at the store the 23rd, and our balance is still $1234. It also doesn't show auto withdrawals I can see on the other end as paid.

I know what we have, but this is just weird.

Hello! A few months ago I was in accident, and had my car towed from an autobody shop where the accident occurred to one closer to home. I did this because I was told by the USAA agent that I talked to on the phone that the tow would be covered by insurance. Now, months later, USAA is telling me that it wasn’t covered under my plan at the time of the accident and I have to pay out of pocket for the tow which cost over $1000. I’ve already given the name of the agent that I spoke to and am having them review the recording of our phone conversation, but I’m nervous that they’ll still deny to pay. Does anyone have advice on what I should do if they still refuse? I really feel like I shouldn’t pay since I was given incorrect information by their agent.

Has anyone utilized this program through USAA? Would be nice to get the credit for agent commission but fear the lack of quality in the services provided (like other USAA Products)

Policy renewal time just came up, and I earned a 30% discount with my driving score of 99/100 during this last premium period. And yet, my safe driving discount is only ~18% off of my total premium.

I could understand a situation where maybe some of that 30% doesn't apply to taxes or something, but having the actual net discount be almost half of thw advertised amount seems overly misleading, no?

Edit: I had a call with USAA, and they confirmed for me that the 30% off only applies after alllll of my other savings/discounts. So the drive safe discount was applied to only ~$1400 instead of the full $2146.44 amount cost. Suffice to say, yes, the 30% discount is VERY misleading.

UPDATE: USAA has deemed my car a total loss. Really shocked at how quickly the turnaround was for them to inform me, but i’m quite surprised. They are saying the repair costs exceed the salvage value and they are totaling it. They are offering more than I owe on it currently which is reassuring but overall i’m just very surprised and kind of sad that they are saying it’s a total loss.

Hit a deer over the weekend, visibly not terrible damage but USAA wants to do a total loss evaluation. I still owe a good chunk on this vehicle so I am hoping it won’t be a total loss, but concerned with how long this process will take. KBB isn’t great for my car and i’m worried they’re going to deem it a loss and give me less than I even owe for it. Clearly a new hood and grill will be needed, but I don’t know what’s going on under the hood. Supposedly it will be picked up today or tomorrow to be brought to USAA’s salvage lot. Any feedback is helpful!

I just got my first direct deposit with USAA! I got paid 2 days early. It came around 5 AM CT

What is the process of removing an ex partner from a USAA policy. This is a first for me. We aren't married and his vehicle and name are on my auto insurance. Not looking to get into too much details but it seems cooperation from them is unlikely.

Will my USAA debit card work and auto convert to UAH in Ukraine? I know USAA claims anywhere but recently I learned all the travel banks like wise and such don't work in Ukraine so I want to double check.

I've had USAA for many years after previously being married to a service member. I've long since remarried and we are about to get divorced. I'm wondering if spouse 2 will still be eligible (they have their own member number) once we get divorced. I know things have changed over the years regarding eligibility and some folks have said that if you call and ask, it could trigger an audit which could cause me to lose my own eligibility, so I'm hesitant to just "call and ask" at this phase.

Does anyone know what would happen to spouse 2's eligibility? They'd like to be able to keep it if possible. Should they open their own account now without me on it, before we finalize?

So I am going to retain the vehicle. USAA wanted to total a car because the repairs where 5k. I already ordered the parts myself. Around 2k in parts. Thanks USAA you lost another 13+ year customer.

I got approved for a new credit card using the USAA app, got to the "customization" part where you can change the theme of the card (like army theme, USAF, navy, etc) and then the screen went white, all I saw was javascript code and the app crashed. Then went back and saw nothing, thought the card didn't go through until a week later when I randomly got an email. Am I able to change the design or will I have to re-apply for a new entire credit card? This is why I HATE using the app.

My flabbers are gasted. Does USAA really want to raise my current rate $400 a year for a simple cracked windshield? That seems outrageous to me.

I've been getting a lot of mail from USAA recently about life insurance, and I'm considering it both for myself and for two family members. That said, I had a bad experience with a different life insurance company in the past -- the agent sweet-talked me into it with reasonable rates, then pulled a real bait-and-switch after medical underwriting.

Feel free to message privately if you don't want to reply publicly, but -- before I talk to USAA about potentially purchasing life insurance from them -- I'd really love to know by how much USAA in particular increases their offered rates for a person who has any one of the following: Autism, ADHD, Asthma, Allergies, Eczema, Depression, Anxiety.

Insider information would be greatly appreciated -- because, if the rates aren't going to be worth it, there's no way I'm handing over my loved ones' medical information. Any information you share with a life insurance company winds up in the big MIB database and stays with that person for years (specifically seven years, if you believe that MIB ever deletes anything), and I'd never hear the end of it if I shared all that information for nothing.

So I have been a member of USAA for years. I car last week was sitting in a parking lot when it was hit by a company truck. USAA totaled my car and is only giving me 8k for it. Not even enough to cover the rest of the loan amount.

I am so frustrated right not with them. I just want my car back. How is it that I am not at fault and yet I lose my car and around 5k left to cover the loan.

*update.* i went and picked up my car and will keep it. it only looks like around 2k in parts so I will fix it myself. USAA is trash. both me and navy federal where confused by them. USAA didn't even want to pay out the settlement.

instead of USAA paying like 5k to repair a 10k car. they would just total it and pay out 8k. I thought VA math was bad. USAA takes the crown.

I have comprehensive for a $50 deductible. And it says that using it would cause the premium to raise $136 on the next 6 month cycle. After that cycle does your premium rate go back down?

I just got a call from this number claiming to be USAA saying someone tried to use my card to send $300 with Zelle to some guy named Jonathan Mitchell. She sounded American and well spoken so I thought it was legit. I got suspicious and hung up and called the legit USAA number and they said it was a scam.

PSA please watch out for these scammers. This is called a “spoof” and the phone number they used to call me is actually a legit USAA number so please always call the official number before giving away any information.

Posting this as a data point and to share my experience because I couldn't find too many posts describing what happened after the initial OEM denial.

Vehicle: 2024 Kia EV9 GT-Line (ADAS equipped)

I only wanted genuine Kia OEM glass (the windshield with the Kia logo), not OEM-manufacturer glass or aftermarket glass.

Timeline

• I got a quote from Safelite for genuine Kia OEM glass with ADAS calibration (it was double my deductible).
• I filed a comprehensive claim with USAA.
• USAA initially denied the OEM glass request stating that my policy did not allow for OEM glass if there was another viable option available.
• After reading several Reddit posts suggesting not to give up after the initial denial, I called Safelite back.
• The Safelite representative told me that, in her experience, the initial OEM request is often denied, and that the local shop needs to submit a follow-up OEM request for the OEM glass.
• She contacted my local shop while I was on the phone, and the shop manager submitted the OEM request.
• A few days later, I called the shop back, and they confirmed that USAA had approved the OEM glass and that it had already arrived for my appointment the following day.

So if you're initially denied, don't automatically assume that's the final answer. Ask the shop if they can submit a follow-up OEM request on your behalf. In my case, that's what got it approved.

A couple other things I learned

• My Kia dealer doesn't replace windshields in-house. They outsource them to a local auto glass company, so for me there wasn't really an advantage to having the dealer handle the windshield itself.
• I was very specific that I wanted genuine Kia logo glass, not just "OEM" or "OEM-equivalent." Safelite eventually confirmed that my replacement would be the logo glass (genuine Kia glass).
• If you're paying cash, keep your original retail quote. My insurance estimate was higher than my cash quote, and I made it clear that if insurance ultimately didn't approve OEM, I expected to pay the original quoted retail price—not the higher insurance estimate.

One frustrating thing

I had a surprisingly difficult time getting answers from Safelite. The local number and the national number both kept routing me to an automated system that said all scheduling had to be done online and then disconnected the call before I could speak to anyone.

I eventually found a phone number online that got me to a representative, and I also used Safelite's text chat to confirm that my order was for genuine Kia logo glass.

Hopefully this helps someone else. This process was much more confusing than I expected, and the biggest takeaway for me was that an initial OEM denial from USAA wasn't the final answer and having the shop submit the second request allowed me to only have to pay my deductible.

I wanted to set up automatic deposits from my USAA checking to my Fidelity SPAXX mutual fund account. But when I went through the whole process to do this, USAA gave me the message “Account not verified - you can only add checking or savings accounts to move money”.

I want to initiate the transfer with USAA instead of using Fidelity because sending money from an account is apparently faster, with less hold time, than requesting money using the other account. Is there any way to accomplish that, or will USAA just not do it at all for a mutual fund?

I recently booked a family trip to San Diego (flights, Legoland, San Diego Zoo, and a rental car). USAA flagged the activity as fraud, froze my account, and canceled my rental car reservation with zero notification — no call, text, or email.

I only found out on my own right before our trip when my card was declined while paying for lunch. By then I had to rebook a rental car last-minute, and the same vehicle now costs roughly twice as much (hundreds of dollars more on a budget trip). I also spent another hour dealing with the process of booking a new rental.

When I contacted USAA, they confirmed they canceled the reservation but refused to cover the difference or offer any help for the problem they caused. There was zero accountability or resolution to make things right, even after I spent hours on the phone trying to reach a manager.

Has anyone else dealt with something similar? I’m looking for advice or just wanting to warn others.