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Are they? GOOD! I would love to have this sent directly to Bob Davis.

My husband busted his butt for this country for over 21 years. He was a member of USAA. Paid plenty of interest on those 2 credit cards his ex-wife ran up and the court ordered him to pay, too.

She ran us in and out of court for the last 10 years for every kind of high-priced, lawyer-necessary type of crap. We had to live on credit cards to make ends meet. In the end, we had to file for bankruptcy to be able to make a new start. But since he was ordered to pay the one USAA card with her name still on it [USAA refused to remove her name], we continued to pay it.

Anyone who's been through it knows bankruptcy is not the "easy way out". It's a horrible, traumatic, gut-wrenching, but sometimes necessary thing to have to do. Over a year later, we were trying to regain our credit and we had made huge strides in recovering. I decided, since I thought we were still members of USAA, to call & see if we could save any money by switching our car insurance to USAA. The "customer service" woman told me we were no longer welcome to use member services, since we had filed for bankruptcy.

We were paying off one card, but had included another, much smaller amount in the BK. She claimed that we had cheated the other members out of that money & we were considered less than honest & therefore not worthy of a USAA membership any longer. I told her that I was quite sure that the loss they suffered from our BK was written off as just that, a loss, on USAA's taxes, just like any other business. She screamed at me, "OH, NO WE DID NOT!" *sigh* Fine.

Finally got close to paying it off, & called for a payoff amount. It seemed as though they were missing a payment and after much discussion they convinced me that we still owed $152.06. So, I paid it. Yup, you guessed it. Overpaid. And now? They won't send they check without the ex-wife's name on it. Basically uncashable for us. Nice. Company of thieves.