Complaint / review text:
My deceased husband thought USAA was the greatest thing in the world for its members. He would be sad and mad to know how they have taken advantage of us (and others, I'm sure). We were paying four times the amount on our home insurance as compared to our neighbors for the same coverage. I accidentally realized this when my mortgage payment was going to be raised $300 per month due to an increase in 2013 homeowner's insurance. Lo and behold, when I called to speak with a representative at USAA and mentioned that I'm shopping around and would most likely be leaving after 60 years because of the high rate, they suddenly found that there were some credits that I should be taking that would reduce my premiums by 15-20% per year.
That's all well and good for now, but their not giving me any refund on all the excess premiums I've paid (which is at least $10,000 for the last 13 years) because I wasn't informed by them. Our mistake was we thought USAA was there for their members and did the best possible, which is why I refinanced the house through them and have always carried my car insurance with them - even though I know it's a little on the high side. I learned a valuable lesson the hard way and lost faith in USAA.