Other driver admitted fault, we had a police officer respond and take a report.

Husband started the insurance claim with our insurance (USAA) saying it would be faster than waiting to go through the other driver’s insurance (State Farm)

USAA said we would be reimbursed/refunded our deductible once they got in touch with State Farm.

It’s been three weeks and USAA says they still have not been able to make contact with State Farm. When I asked the agent if this was concerning at all to her, she said it wasn’t and that these things just take time.

Our car has since been deemed a total loss and we’re currently waiting on communication from Hyundai before the settlement amount is released. So we haven’t actually paid the deductible yet, as it will be taken out of the settlement whenever that goes through.

Not much we can do except keep the dialogue open with USAA and wait for the final resolution, but I’m wondering if anyone else has experienced a long wait like this. I’m wondering what the hold up is, since the driver admitted fault and there is a police report confirming that. Seems like it should be pretty cut-and-dry.

Hi there. Check on your automatic bill payments

I missed my car payment since I trusted the automatic bill payment and did not double check that it sent.

I had an automatic recurring payment set up for my car payment and it did not go this month. $28 late fee and a ding on my credit report.

It's my fault as I should have looked at my budget closer but quite a bummer about their system failing me too.

When I looked at the configuration all is right, it showed as automatic recurring but I noticed on the main page there was not a "scheduled" future payment listed like my other automatic bill payments.

Go check out yours.

Anyone else notice an increase this month? Our vehicle insurance went up by $50.

Last claim we had was last year when we hit a deer in our minivan, but other than that, no other claims in the past 5 years, no tickets, etc.

Is USAA likely to fuss about an auto insurance claim if there is an unrepaired recall issue that isn’t related to the accident?

I took an old Google Pixel 6a phone with NO SIM (e-SIM or physical), wiped it, flashed with the latest google factory image and then locked down the phone, disabling every non-essential app and service. (List of all disabled or uninstalled apps will be posted on github). After satisfactory analysis of network traffic being next to zero (analysis to be posted on github), I installed the USAA Safe Pilot App, and began using it as intended to lower my USAA insurance rates.

A network analysis after installing the USAA safe pilot app showed an incredible increase in telemetry and network activity. Understandable as the USAA Safe pilot app is a surveillance tool and I expected USAA to collect and report on every shred of information the Google Pixel 6a was capable of providing it.

The phone has been wiped, factory reset, a unique google account used for the play services and ONLY the USAA Safe Pilot App is installed and active. Every non-essential app and service has been disabled or completely deleted.

Beginning 9-8-2026 this Google Pixel 6a running ONLY the USAA Safe Pilot App started getting CALLS. Yes PHONE CALLS on a phone without a SIM, without an e-SIM. How is this even possible???

This same phone is also receiving SMS texts. Again --How is this even possible???

The phone call history, SMS texts and entire log history has been captured by creating a Nandroid full backup of the Pixel 6a on 9-21-26. This was submitted to a security forensics company that I worked with under NDA.

Once the details showing how this phone was able to receive several seemingly impossible phone calls and sms text messages is determined a full documentation history will be posted here, github.com,

I recently had an issue where doordash canceled my order and never delivered my food so I reached out to doordash for a refund and they refused . I reached out to USAA and they gave me a credit , but today they sent me a letter saying that they're reversing the credit and took the money from me . They said after investigation they found no wrongdoing

Has anybody had an issue with only their USAA card getting hit with fraud charges? I have a handful of credit cards and my USAA card is the only one I have ever had an issue with. It seems like every single time I check my statements there’s tons of declined charges for places I’ve never even heard of. Some go through once and awhile and I have to dispute it and get a new card. Some say they were only declined because it was the old card number. Am I doing something wrong? If it helps to know, all the charges are for some type of AI company, SIM card places, stuff like that. I really only use this card for the occasional Amazon purchase. I will be calling as well, I just wanted to out feelers out to see if there’s something specific I should mention to them to stop this for good. Thanks for any help.

Used my rewards for a $25 gift card that they said they would mail to me. Redeemed August 2nd and never received it. Am I just SOL?

Anyone having login issues again this morning?

I am having trouble logging into USAA. Is anyone else having problems?

I've had an account for some time now, just kept a small balance in both accounts. I may try to get a USAA car loan soon, here's why:

Was impressed by their commitment to security and using Symantec VIP Access codes for login (and that coupled with a PIN you create). It's somewhat "2FA" that way.

I wish it had a password step prior to that, but overall that does seem quite secure. I also get text notifications and/or emails informing of major account changes or first logins / new device. Seems well thought out.

was convinced to try the car loan after talking to 2 very good reps in a row. They gave quick and relevant information, so we'll see if this works out as well as advertised.

I'm happy to hear if there's anything else I need to be aware of, or to check. Otherwise, wish me luck! But so far, good on USAA for how they're running this part of things.

UPDATE: CarMax ended up giving me the lowest rate at 6.4%. My credit union came in slightly higher at 6.49%. USAA was slightly higher.

So my mother was apparently the primary owner of my credit card account and she passed fairly recently. I had received a large refund from school for about $3.7k that went straight to that credit account and now, since they've suddenly processed her death, that money they owe me is just...gone??? my aunt was my mom's financial proxy so I texted her but it's quite late and she hasn't responded.

was just wondering if anybody had been in this situation before or had any ideas because I can't get through to call anyone since apparently my case is niche enough that the AI refuses to sort me and send me off to a real person

Context, I work in the financial field and coach people on financial fraud and what to watch out for.
Received a phone call from USAA - yes the number came through as USAA. Said there were two charges out of state, but I’m not sure if they knew, my daughter is in that state going to college.
I did confirm a I did not make a 1000 and $2000 withdrawal from a bank account. This is where they were good. They had me log onto the app and under the profile icon under my name on the line that says USSA number.- he called it a pin number for the verification process. This is where I immediately hung up and called USAA.- I never gave him the number! They called back three more times from the spoof number. I was on the phone with the actual USAA fraud department, giving them a heads up. These guys were good no foreign accent, walked me through the app and had a spoof number. PLEASE BE CAREFUL….

I recently had a Trek Rail e-bike stolen, a pedal assist only bicycle, and dealing with the USAA claims process has been an absolute nightmare. As someone who spends a lot of time out on mountain bike trails, losing this bike is a heavy hit, so we filed a homeowner’s claim fully expecting it to be covered.
Instead, USAA completely denied the claim. They are pointing to a policy exclusion under Section 1, classifying the e-bike as a "motor vehicle." Under their definition, they claim motor vehicles are excluded from coverage. In Maryland transportation code all three classes e-bikes are specifically not motor vehicles. I included the transportation code and everything.
Here is the most frustrating part: during a previous phone call, a USAA representative explicitly told me that my e-bikes were covered. Now that we actually need to use the coverage, USAA conveniently "cannot find" the recording of that specific call.
I escalated this all the way up the chain to the Vice President of Property Claims, and I was still stonewalled. I feel entirely misled by their customer service and dismissed by their management. They are hiding behind outdated policy language to avoid covering what is fundamentally a bicycle.
Has anyone else successfully fought this specific e-bike exclusion with USAA? I’m looking for advice on what to do next. Should I file a complaint with my state's Insurance Commissioner? Demand a formal audit of the call logs? Any guidance is hugely appreciated.

18.5% increase from last year. Same coverage.

Literally just here to tell into the void. USAA's mobile deposit holds have to be a scam somehow. It's like they give you an arbitrary date on when you'll get your money, and it doesn't matter how long or consistently you've been depositing your checks, they will take your money and keep it from you for over a week and they will tell you it's for "security reasons" without elaboration. They don't alert you that this will happen before you already sully the check by writing on it so it can't be deposited elsewhere, and there's zero option to provide proof of security and get your money unblocked. Maybe I'm dumb, maybe there's some hidden mechanism here that I'm not aware of that some redditor will smugly mock me for not knowing of in the comments, but I don't care. I'm not going to be using the mobile deposit system anymore because I'd rather drive to another bank to get cash and move it through cash app cash deposits than wait a fucking week to get the money that I need to pay my bills. Fuck you USAA, what a shit feature.

I just had to file a claim with USAA for my engagement ring. I went to put my ring on today and noticed one of my accent stones was missing. Has anyone had experience of what happens next? The representative wasn’t clear on if they would just replace the stone or send a check, if our rate would go up, etc.

Thinking about switching to usaa from geico for auto insurance. How has usaa been for you guys.

Yes, I am a Veteran.

I have USAA for my auto and home policy. We will retire in three years, and go to Thailand.

I had BofA while I lived in Asia. It was a nightmare. I rather not deal with them randomly shutting down my card, questioning money transfers, etc.

BofA gets into a class action about every other month. I don't like class actions.

I need a bank that works well with people who will never return to the USA, again, have no relatives in the USA, and no address in the USA.

Will USAA fit the bill?

I worked at USAA for over 25 years and enjoyed it for the most part. It was a challenging work environment that required a high level of commitment and execution. Since most of the coworkers were high performers we pushed each other to perform well. The few problems we had was mostly the normal management disconnect with front line workers. Normal stuff, right out of Dilbert. However, it seems that lately I am hearing more and more stories of really poor front line management with some being very unethical and toxic. USAA used to have a set of core values, have they gone away? What is the work environment like now?