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Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]

August 15, 2016
Mrs. [redacted]
Complaint ID #: [redacted]
Dear Mrs. [redacted]
I am responding to your submission regarding the April 20, 2016, renters’ insurance claim.
In the event of a loss, we are responsible for making decisions in accordance with the terms, conditions, and...

limitations of the policy. Occasionally, this involves delivering news which we know our members may find disappointing. I understand that [redacted] of our staff, completed a thorough review of the claim; however, no new information was discovered to justify a change in our decision. The damage is deemed as age related deterioration; hence, replacement coverage is not warranted. Should there be additional questions Mr. [redacted] remains available to assist you.
We appreciate the opportunity to reply to you.
Sincerely,
[redacted]

May 2, 2016 Mr. Steven Lavery Complaint ID #: 11383680 Dear Mr. Lavery: I am responding to your submission regarding your inability to access your accounts via usaa.com. Thank you for speaking with [redacted], of our staff, about your Property and Casualty accounts. As he explained, the balance...

owed on your insurance premiums would not have restricted your access onto our website. However, a subsequent review of your log on activity revealed that your account was locked after three failed attempts to correctly answer your security questions. We regret any misinformation you received about the reason for the restriction. We were able to confirm that your access has been fully restored. We appreciate you allowing us to reply to you. Sincerely, [redacted]

Complaint: [redacted]
I am rejecting this response because:I sspome with a USAA representative about my complaint, and received the same answers that I received the first time we spoke with a USAA representative. They made no effort to give any specific reasons for the Colorado premium being 60% higher relative to the California premium. The representative then went on to question us about our insurance history and threatened us by insinuating that we hadnt moved our insurance from state to state quickly enough. In the end I am more convinced that USAA is overcharging their long term users and more upset about it because they wasted more of my time without compensating me for it.  
Regards,
[redacted]

August 29, 2017
Mr. [redacted] Complaint ID #: [redacted]
Dear Mr. [redacted]:
I am responding to your submission regarding the appraisal of your 2007 Toyota Camry Solara Convertible, and I regret the frustration this situation caused you.
Thank you for speaking with [redacted],...

of our staff, who addressed your concerns. If you have any additional questions, Ms. [redacted] remains available to assist you.
We appreciate you allowing us to reply to you.
Sincerely,
[redacted]

January 7, 2016
Sergeant [redacted], USMC
Complaint ID #[redacted]
Dear [redacted]:
I am responding to your second submission regarding your December 6, 2015, automobile claim.
We responded to your complaint on December 30, 2015.  While we recognize that you disagree, we feel confident that the correct decision has been made.  No new information has been presented that would warrant a change in our position.
We appreciate the opportunity to review your concerns again; however, we consider this matter closed.
Sincerely,
[redacted]

June 16, 2017   Mr. [redacted] Complaint ID #: [redacted]   Dear Mr. [redacted]:   I am responding to your submission regarding your April 21, 2017, theft claim.     I understand that [redacted] and [redacted], of our staff, were unable to reach you to address your...

concerns.  Should you wish to discuss this matter, please contact Ms. [redacted] or Ms. [redacted].   We appreciate you allowing us to reply to you.    Sincerely,   [redacted]

December 28, 2016 Mr. [redacted]Complaint ID #: [redacted] Dear Mr. [redacted]: I am responding to your submission regarding your November 30, 2016, automobile claim. Our records indicate that you are represented by an attorney.  The adjuster is working with your attorney to...

bring this claim to an appropriate resolution.   We appreciate you allowing us to reply to you.   Sincerely,*
[redacted]

March 9, 2016 Mr. [redacted] Complaint ID #: [redacted] Dear Mr. [redacted]: I am responding to your second submission regarding your credit card with the USAA Federal Savings Bank. Please accept our condolences for your loss. We responded to your complaint on February 24, 2016. While we recognize that you disagree, we feel confident that the correct decision has been made. No new information has been presented that would warrant a change in our position. The FSB acts in accordance with all applicable banking regulations as well as with our core values of service, loyalty, honesty, and integrity, and we disagree with your allegation of wrongdoing. We appreciate the opportunity to review your concerns again. Sincerely, [redacted] Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank, both Member FDIC.

September 7, 2016
 
Commander [redacted], USN
Complaint ID #: [redacted]
 
Dear Commander [redacted]:
 
I am responding to your submission regarding your mortgage refinance. I regret any frustration this situation caused.
 
Thank you for speaking with [redacted],...

of our staff, who was able to research and verify that your US Bank loan was not paid off right away due to confusion with the title company because of the two closings.  On August 12, 2016, United Lender Services (ULS) disbursed the funds to pay off the loan, and also paid property taxes directly to the county.  Any overage in property taxes will be refunded to you by U.S. Bank.  I understand that Ms. [redacted] explained that no additional compensation will be offered for the errors that were made, since there were no additional out of pocket expenses to you. 
 
We appreciate you allowing us to reply to you.  If you have any additional questions, Ms. [redacted] remains available to assist you.
 
Sincerely,
 
[redacted]

Complaint: [redacted]
I am rejecting this response because: The explanation provided by Mr. [redacted] regarding the methodology that USAA follows to determine Diminished Value compensation does not resolve the fundamental issue that USAA Diminished Value payment does not provide sufficient compensation for the actual loss of resale value of the vehicle accordingly to independent sources of information I consulted (local Toyota dealer and internet appraisal companies that specialize in Diminished Value claims).  However,  Mr. [redacted] informed that he reassessed my claim and consequently USAA sent me a second payment in amount of $348 (on top of the initial payment of $290).  This clearly proves my point that their initial compensation which prompted my complaint to Revdex.com was grossly inadequate.  Even with the second payment, total compensation received to date falls short from to the lowest estimate I obtained from independent sources.This "nickel-and-dime" and "low-balling" approach indicates, in my opinion, bad faith on behalf of USAA - they are praying on consumers' ignorance and try to avoid paying a fair compensation for consumers' losses.
Regards,
[redacted]

September 11, 2015 [redacted]
[redacted]
 [redacted] I am responding to your submission regarding your June 22, 2015, automobile claim.  I regret any frustration you have experienced.  Please be advised that we analyze each...

loss on its own merits and make decisions in accordance with the terms, conditions, and limitations of the policy.  It is important to note that your vehicle was considered repairable based on the damage amount and value of the vehicle at the time of the loss.  Our records indicate that between July 15 and August 1, 2015, you were informed that a diminution in value (DIV) claim could be pursued.  You were asked to call and speak with an adjuster to start the process; however, we do not have record that you attempted to make contact with an adjuster.   [redacted], of our staff, was unsuccessful in his attempts to reach you to discuss the steps required to initiate the DIV claim.  A DIV evaluation form was mailed to you on September 8, 2015.  Once the form is completed and returned, we can move forward with the handling of the DIV claim.  Should you have any questions, Mr. [redacted] remains available, and he can be reached at [redacted] 
 Thank you for allowing us to reply to you.   Sincerely, [redacted]

December 17, 2015Ms. [redacted] Complaint ID #: [redacted]Dear Ms. [redacted]:I am responding to your submission regarding your automobile policy. We confirmed that the extended transportation expenses coverage was accurately removed from your policy and that paperwork reflecting the adjustment was...

sent to you.  As such, the extended transportation expenses coverage would not apply to the December 4, 2015, loss.  [redacted], of our staff, attempted to speak with you about this matter, but you requested a response in writing.  Please consider this our written response to you.  If you would like to discuss your concerns, Mr. [redacted] can be reached at [redacted].While we realize this is not the outcome you were hoping for, we appreciate the opportunity to reply.  Sincerely,[redacted]

August 17, 2016
Mr. [redacted] Complaint ID #: [redacted]
Dear Mr. [redacted]:
I am responding to your submission regarding your diminution in value (DIV) claim.
Thank you for speaking with [redacted], of our staff, who looked into your concerns. As he explained, a subsequent review of your DIV...

claim was conducted, and a revised amount of $155.83 was determined. While we understand that this is not the outcome you were expecting, we are confident that the correct decision has been made.
Thank you for allowing us the opportunity to reply to you.
Sincerely,
[redacted]

[redacted]
I am responding to your submission regarding your automobile policy renewal.  I regret any frustration you may have experienced.
Thank you for corresponding with [redacted], of our...

staff, about your concerns.  I understand that a letter was mailed to you dated April 28, 2016, in which we indicated the factors that affected your premium and advised that the information we received from LexisNexis did not negatively impact your renewal premium.  If you have additional questions, Ms. [redacted] remains available to assist you.
We appreciate you allowing us to reply to you. 
Sincerely,
[redacted]

[redacted]
[redacted]
[redacted]
[redacted]
I am responding to your submission regarding your insurance payment.
Thank you for speaking with [redacted], of our staff, who reviewed the billing transactions between March 24 and...

March 28, 2016.  As he advised, the automatic payment of $225.56 posted on March 24, 2016, and was subsequently returned on March 28, 2016.  Since a refund of $181.49 was provided to you on March 25, 2016, and you owed $44.07 due to services rendered, a payment of $225.56 remains due.  You may contact USAA at [redacted], at your earliest convenience, regarding the outstanding balance. 
We appreciate the opportunity to review your concerns and to reply to you. 
Sincerely,
[redacted]

October 23, 2015 [redacted] Complaint ID #: [redacted] Dear Mr. [redacted]: I am responding to your submission regarding your homeowners policy. Our employees are expected to be helpful and efficient when assisting our members, and I regret that this was not your experience. Your situation...

was shared with our management team as we are always seeking ways to improve how we do business. Thank you for speaking with [redacted], of our staff, who addressed your concerns about the Impact Resistant Roof Discount for your Texas homeowners policy and advised you of the reasons we are unable to backdate the discount to June 2014. We thoroughly reviewed your account and confirmed that the premium discount was applied appropriately. It is important to know that USAA acts in accordance with all regulations as well as with our core values of service, loyalty, honestly, and integrity. If you have further questions, Ms. [redacted] remains available to assist you. We appreciate you allowing us to reply to you. Sincerely, [redacted]

January 16, 2018
Ms. [redacted] Complaint ID #: [redacted]
Dear Ms. [redacted]:
I am responding to your submission regarding your increased premium, and the handing of your automobile claim.
Thank you for speaking with [redacted], of our staff, about your insurance policy rate...

concerns. If you have any additional questions on this matter, Ms. [redacted] remains available to assist you.
Unfortunately, [redacted], of our staff, was unable to reach you by phone to address your concerns about your claim. After a subsequent review of the claim, we determined that the loss was reported appropriately. Once an at-fault loss is reported, it cannot be cancelled. Please know that we conduct business in keeping with USAA’s core values of service, loyalty, honesty, and integrity, and we your allegations of misleading you about deleting the claim file and the rental process are unfounded. If you have additional questions about your claim, Mr. Briggs remains available to assist you.
We appreciate you allowing us to reply to you.
Sincerely,
[redacted]

March 1, 2018   Mr. [redacted] Complaint ID #: [redacted]   Dear Mr. [redacted]:   I am responding to your submission regarding your insurance policy with USAA.  I regret any frustration this matter has caused you.   Thank you for speaking with [redacted],...

of our staff, who explained USAA’s policy to insure those in your household.  She also advised you of the date your policy was canceled and of the remaining balance after cancelation.  Ms. [redacted] confirmed that the billing was processed correctly.  If you have any additional questions, Ms. [redacted] remains available to assist you.   We appreciate the opportunity to reply to you.    Sincerely,   [redacted]

November 11, 2016 Mr. [redacted] Complaint ID #: [redacted] Dear Mr. [redacted] I am responding to your submission regarding your recent insurance payment, and the associated overdraft fees against your deposit account.  Thank you for speaking with [redacted]...

and [redacted], of our staff, who accommodated your requests.  I hope that your conversation with them reassured you that your satisfaction is important to us.  If you have additional questions, Mr. [redacted], or Ms. [redacted] remain available to assist you. We appreciate you allowing us to reply to you.   Sincerely, [redacted]