Well, it will happen this week as soon as they deposit my senior discount into my checking account at NFCU. What is it that will happen you asked? I will un-ass USAA after having been a customer since February 1974 (50 years for you non-math guys – LOL). It all started about a year or so ago when I had fraud on my USAA credit card. When speaking to a very nice woman (always), who was going to issue me a new card. I was complaining about having to call all the companies that hit that card for recurring payments e.g., utilities, and she recommended I get another card and use it just for those recurring companies, but don’t carry that card with me. What a GREAT idea. She transferred me to another very nice woman (always). I gave her all the information, and she sent it to the underwriting dept for approval. She came back on several minutes later and told me it was disapproved. Can you imagine the shock? She said they turned me down due to a credit report. I asked for a copy of it and the ONLY thing on the report was that I had three inquiries in the past two years. I refinanced my house three times to get to a 1.75% 30 yr fixed rate VA Loan. The bottomline statement said “There are no derogatory items on this report.” And by the way, my credit score on that report was 831. I wrote Mr. Peacock (President) who always boasts about loyalty. and told him where his loyalty really lies. A snooty woman (no longer nice) called a week later and tried to explain to me that the underwriters had to follow set policy. I asked who sets those policies and she tried to tell me it was the insurance industry. Bullshit, USAA sets the policy. I am a damn Economist by education and hobby. I finally hung up on the bitch. Anyway, that was the beginning of the end for me and USAA.
Then they had the audacity to add something to my auto insurance policy this year without asking me. Something about “Car Replacement Assistance,” and Rental Car option. I called and talked to a very nice woman (as always, except for Mr. Peacock’s bitch) who said they added that thinking I might want it and that I may have forgotten to add renal car to my policy. I have a separate RV towing policy with another company that also covers rental car. She removed them from the policy.
A month or so later called and heard “Welcome to USAA, Press one for English or stay on the line.” Now, if I were in charge of a company who caters to military only like USAA, It would be “Welcome to USAA,” then in Spanish someone would say “Press one for Spanish.” Moot point you say? No it isn’t. I spent 36 years of my youthful life serving and bleeding for this country, and I refuse to deal with any company who asks me to press one for English. This is America and our damn language is ENGLISH! If you are Spanish and that upsets you, tough shit, learn English or get out.
There were other incidents that have caused me to un-ass USAA. But I decided I was going to look for another auto insurer because USAA has gotten way too expensive for my wallet. My policy is to expire on March 25th, and they raised my premium another 5% this coming year which will require me to pay a whooping $2,619.87 for a six month policy. Want to hear something funny? They have the gull to tell me that they have given me $4,661.65 in discounts because of my bride and me being such safe drivers, etc. OK, so had they not been so kind to give me that discount, my six month policy would have been $7,271.52 or 14,563.04/year. LOL Can you believe that? I can’t. I know I live in FL where no one knows how to drive, no one but me drives the speed limit, because here everyone believes a speed limit means you have to drive at least that fast. I believed all these years that I have lived here that everyone was paying these sort of premiums. Surprise! I did my due diligence and comparing apples to apples have found two reputable companies i.e., Progressive and Traveller’s who will give me the exact six month policy I have with USAA for $1,687 (-35.6%) and $1,515 (-42.2%) respectively. And I am not done checking other companies since I have till March 25th to decide. Oh, and my cars are not expensive new cars. Nancy’s is a 2015 Lexus RX350 and Mine is a 2022 Mini Cooper
You may be asking what were my bonuses this year. The standard was $77.27 and my Senior bonus this week will be $262.02 for a total of $339.49. But that doesn’t even come close to reducing the upcoming policy to what I can get elsewhere.
So, my advice to all my military brethren, I suggest you do some due diligence on your own. Having spoken to Marine brothers of my vintage I am amazed at the huge number who said, “Hell. I dumped USAA years ago.”
I can’t wait to make this phone call and ask to speak to a Supervisor because the women who answer are always so nice and I do not want to shoot the messenger. Speaking to supervisor might have more of an impact on Mr. Peacock, but I have doubts, he’s a jerk as well. How much will USAA pay for ads on the Super Bowl tonight?
Comments sincerely welcome
