lol, not even close (as far as insurance). Maybe they're less cunts during the claim process, maybe... but I've never had a claim for home/auto. Pricing is the highest, always, and the customer service is bottom of the barrel.
We tried some of the other services (investments) and regretted that decision. Good at the up-front sales, terrible on the follow-through.
USAA is Maybe a bit better with false credit card charges. Doesn't happen frequently, but when it does they make it right without question. The same can't be said for a number of other banks. I don't keep any money with USAA though, at least beyond the week or so when I transfer in stuff for auto-pay bills. They are good with auto-pay, to the point of even paying penalties when they fuck up (and they have a time or two in the past 23 years).
OP, USAA wasn't terrible about 2 decades ago. They've gotten worse since... but so have all other bank options I have any experience with.
Came.here to say this because 2004 was when it went drastically downhill.
I only use them now for cheap(er) insurance & family discounts for things but would never use their banking services.
My mother & father in law worked there till retirement & I know quite a few details of their inner workings. My MIL worked in claims department, not on salary, for 30+ years, & retired at $54 an hour in a non supervisor position. As a business model, only makes sense that they dole out their menial customer service tasks to pajeets/non English speakers willing to work for pennies on the dollar.
I guess all customer service has took a downturn, because vast majority does not take pride in work ethic when rewards for it are insubstantial.
OP, USAA wasn't terrible about 2 decades ago. They've gotten worse since... but so have all other bank options I have any experience with.
See my comment about the creation of the FED. Why do you think all bank services degrade over time? It's due to the fact that the central bank is constantly siphoning the wealth of the country via interest-backed currency. End result is: costs rise, quality drops, wealth consolidates.
Talk to me when there's an alternative... till then, I'll go with "wisdom to know the difference" (Serenity prayer)
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