USAA Savings Bank was my bank for nearly 30 years. During the last five years, they offered many loans to me, all were pre-approved. I accepted them and paid them back as directed. I have since learned that this was the tip of the iceberg in their predatory lending practices. They offered pre-approved loans to many members, whether qualified or not. They are horrific in their customer service. They were good twenty years ago, but in the last ten years there has been a major change away from integrity and customer service. They simply abused the lending practices along with all the other banks during the mortgage boom years and are not taking responsibility. They change their credit card rates often: they are not to be trusted. I also have insurance with them. When a friend totalled my car, they gave me the WHOLESALE replacement cost. I had never even had a ticket in over 27 years of membership! They used AUCTION WHOLESALE prices to give me the value of my car. I had to get the consumer regulatory authorities involved in the mess. They are horrific and amoral. Formerly for service members, they now take anyone, which is fine, but they obviously have no moral compass and no identity.
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