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Old 10-22-2018, 12:27 PM
 
459 posts, read 264,505 times
Reputation: 781

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I won't be using USAA for insurance thanks to their security system.


I was considering Medigap policy through USAA earlier this year and signed up on the website.


Of course by the time I got ready to do something, I had forgotten my password and tried too many times so the system locked me out.


I called customer service, but I couldn't answer all of their questions because some were so long ago (such as addresses from ten years ago) that I couldn't remember. I also didn't know my car license plate from 2014 because I sold that car two years ago.


The customer service person said he couldn't do anything and I would have to call back when I have the information.


I thought - thank goodness, I never purchased any insurance from you.
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Old 10-22-2018, 10:03 PM
 
15,471 posts, read 21,128,036 times
Reputation: 22340
Sounds like USAA has excellent security. You forgot your password and you forgot your security answers --- and yet you blame USAA???? Anyone could have called, pretending to be you, and it should be comforting to know no one else can get into your account.

By the way, some of my family members have USAA for both banking and insurance and love it.
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Old 10-23-2018, 02:24 PM
 
Location: Northern panhandle WV
3,007 posts, read 2,433,985 times
Reputation: 6746
Quote:
Originally Posted by TFW46 View Post
Sounds like USAA has excellent security. You forgot your password and you forgot your security answers --- and yet you blame USAA???? Anyone could have called, pretending to be you, and it should be comforting to know no one else can get into your account.

By the way, some of my family members have USAA for both banking and insurance and love it.
I strongly suspect that those security questions and answers came from various public records and not from the OP.
I have had some places like that, I never gave them the questions or the answers. Usually they offer 3 or 4 choices and if you are you , hopefully you can pick the right ones, but not always, some time all the answers are wrong trying to trap you into picking one.

Security is fine but over security is NOT.
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Old 10-23-2018, 03:06 PM
 
Location: OH>IL>CO>CT
5,972 posts, read 9,619,876 times
Reputation: 8493
Quote:
Originally Posted by arwenmark View Post
I strongly suspect that those security questions and answers came from various public records and not from the OP.
I have had some places like that, I never gave them the questions or the answers. Usually they offer 3 or 4 choices and if you are you , hopefully you can pick the right ones, but not always, some time all the answers are wrong trying to trap you into picking one.

Security is fine but over security is NOT.
AIUI, the Q&A comes from the 3 big credit bureaus. And yes, I've had some where none of the multiple choice "answers" were correct. Never had one verbally on phone, always on-line.

Next we'll all have to outfit our PCs with fingerprint readers
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Old 10-24-2018, 08:27 AM
 
554 posts, read 430,288 times
Reputation: 1285
I recently had a similar experience at Navy Federal Credit Union. Some of the questions they asked were ridiculous; one included an address I had lived at for less than 2 years 30 years ago. And it wasn't just one or two questions; there must have been 20 of them! And yes, there were a couple with no correct answer. Very frustrating.

Lesson learned: ALWAYS write down your passwords.
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