I have been a USAA customer for 29 years. They do such a great job in their insurance unit and in the Fedral Savings Bank unit. However, I have had similar luck with their Mortgage unit. About 3 years ago I tried to refinance a mortagage and had a bad expeience. I finally gave up on them. In my complaits to them regarding the situation, I learned that they outsource the mortagage business and label it as their own. Apparently, their high level of customer service has not yet been transfered to their outsource partner 3 years later…..