Whenever someone has a dispute with a merchant over a credit card charge, we always suggest they attempt to issue a chargeback through their credit provider. But not all card issuers and credit card networks handle chargebacks in the exact same way. [More]
It’s so funny how math works! In the case of Consumerist reader Sam, he got a glimpse of the delightful ways math can be manipulated when comparing his USAA online money manager balance with the bank’s internal ledger. At one point, his balance was thousands of dollars different between the two. [More]
K.G. writes that she used her Mastercard to pay for a car rental from Avis. The card issuer, Consumerist darling USAA, assured her that the card provided insurance coverage for rental cars. Good to know! Except for how the insurance claim was denied, possibly because she used a coupon for the car rental. No one is entirely sure. The bill went straight to a collection agency without ever giving K.G. an opportunity to, um, actually pay it. Now she’s being penalized for ducking a bill she was never sent, and still can’t get a straight answer out of any of the companies involved. [More]
Do you envy iPhone users’ ability to deposit checks in their USAA accounts by snapping a picture and using a fancy secure app? Now, check-zapping abilities have been granted to phones using Google’s Android mobile operating system. [More]
If you’ve heard us rave about USAA’s stellar financial services but grown sad when you learned that it’s only available for military-members and their family, have heart: you can get still get access to some of their services like banking and checking.
The “credit union on steroids” has gone to mandatory binding arbitration for all disputes, removing customers’ ability to successfully sue them if things go wrong. Previously, USAA had arbitration as an option, but allowed members to opt out. Now, if you want to opt out of arbitration, you’ll have to close your accounts.
The friendliest bank in the world, USAA, will soon let customers instantaneously deposit checks through its iPhone application. Here’s how it works: you snap a picture of the front and back of your check, and send the picture to USAA. That’s it.
It was a beautiful thing. And then I paid in cash. Scan of the 5/3 fee increase notice inside.
Last week we raised the ire of plenty of USAA fans by posting a story about a woman’s IRA that went missing for nearly a day. We were as surprised as many of you that she’d received such poor customer service from the first CSR she spoke with, considering USAA’s usually stellar reputation. But the next day someone from USAA contacted Travis and his wife to find out what went wrong. Here’s Travis’ update.
USAA just pulled a huge mindf#@k on Travis and his wife, and now he wants to talk to someone high enough up the chain to find out what went wrong and how to prevent it from happening again. His wife “went online yesterday to check on some transactions and discovered her IRA balance was $0. Six hours prior to that, her balance was $14,000.” When she tried to find out what had happened, the first CSR she spoke with told her she had no IRA account, and the second CSR told her to refresh her browser. Yeah, you know how these newfangled browswers are always wiping out retirement accounts.
USAA is like a unicorn in a pack of walruses: a financial services company that truly cares about its customers and really helps them out. Not as some kind of lucky exception, but as a matter of policy. Reader “Mary Marsala With Fries’” story, about how USAA opened up several cans of whoop-ass on an Enterprise facility that was trying to screw her over on charges, is yet further proof.
Sean’s car had a blowout over the Easter weekend, and he had it towed to Caliber Collision Center for repair.
I’m sick of paying ATM fees so I just finished switching to my USAA debit card for my cash money needs. They refund up to $15 of ATM fees per month and don’t charge you any fees for using other people’s ATMs. I’m still keeping my WaMu account but I took my WaMu debit card out of my wallet and just funded my USAA account with some money. Not that I have a problem but I think this will also help reduce petty cash spending. Plus, by using cash more often that means I’m getting more change, and all my coin change goes into my piggy bank (60% full at the moment, looking forward to the day I take it to the Commerce Bank “Penny Arcade” coin-counting machine). With the specter of a recession giving us all wet willies, are you making any changes to your personal finance system?
This morning, Mary logged onto her USAA bank account to check her balance and was surprised to find that her rent check had been cashed twice while she was asleep. She was eventually able to get through to a human and get the problem addressed, but it wasn’t easy. And she may not have been the only one affected.
“A few months ago, the pipe under my front lawn which leads to the water main, as well as two of my neighbors’ pipes, burst as a result of city firefighters cleaning the hydrants and shutting the water off too quickly. There was a nice little stream going down the street until the city came and shut off our water the next day, routing our service through a different (unaffected) neighbor’s pipes. The Water Services Department informed us that we were financially responsible for hiring a plumber to make the repairs, and that if we failed to do so within 30 days, we would be disconnected from our neighbor’s service. All of the estimates we got from plumbers came in around $1,500.”
When we wrote about the glories of subletting your apartment while on vacation, we mused that renter’s insurance might cover it if your guest damages or steals stuff. While talking to USAA today about our renter’s insurance policy we asked them about this and they said nope, it doesn’t. You’re still protected from all the normal things, like fire, flood, and falling space probes, but not by the actions of someone you’ve invited into your home. So, we’ll just continue to beware and use our best judgment and not sublet to sketchy people. Other people with lower risk tolerances will disagree, and we’re okay with that.