Recommendation

Caution

Overall Summary

Suspicious

Why we think so

USAA.com serves the military community with financial services, insurance, banking, and retirement products. It receives about 20.9 million monthly visits, primarily from the U.S., and ranks #1,621 globally. The site uses secure SSL encryption, is hosted by reputable Akamai networks, and has been registered since 1994. Trademark records show well-established rights under United Services Automobile Association. Recent news highlights USAA's support programs during government shutdowns and workforce expansion. However, multiple customers report losing money to bank fraud involving their USAA accounts, with mixed reviews on USAA's response and refund efforts. Notably, USAA has faced legal disputes and settlements regarding improper fees, insurance claim handling, and a 2021 data breach affecting about 22,000 customers.

Confidence Score

83%

Risk Insights

🛡️

Strong Digital Infrastructure 🛡️

Official SSL certificate issued by DigiCert until May 2026.

Hosted on Akamai CDN and DNS networks for reliability.

Long-standing domain registered since 1994.

✅

Trusted Brand Identity

Multiple valid USPTO trademarks dating back to 1965.

Consistent brand use in finance and insurance sectors.

⚠️

Fraud Risk for Customers ⚠️

Several recent bank fraud cases reported by USAA members.

Complaints about difficulty in refund recovery and fraud resolution.

⚖️

Ongoing Legal Disputes

Class actions settled for improper fees and data breach.

Significant verdicts for bad faith insurance claim handling.

Contradictory Signals

The institution is legitimate but customers face risks related to fraud and service resolution.

Signal A: USAA is a well-established, trademarked financial institution with secure infrastructure.

Signal B: Many customers report losing money to fraud, and some legal issues point to service problems.

Category Scores

Identity 90/100

Reputation 50/100

Technical 85/100

Content 80/100

Legal 40/100

Business Validity 90/100

Red Flags & Warnings

Multiple consumer complaints about unresolved fraud losses and difficulties obtaining refunds from USAA.
Significant legal settlements related to improper fees, insurance claim bad faith, and data breaches.

🔎 Detailed Checks & Analysis

Domain and Infrastructure Integrity

Score: 85/100

Passed

"Domain age since 1994 and registrar MarkMonitor are positive signals"

Reason: usaa.com has a secure SSL certificate valid through 2026 and is hosted by Akamai, a trusted CDN provider.

Brand Identity and Trademark Verification

Score: 90/100

Passed

"Trademarks cover insurance, finance, and services related to USAA's business sectors"

Reason: USAA holds multiple live trademarks registered with the USPTO dating back to 1965, confirming brand legitimacy.

Traffic and Usage Patterns

Score: 80/100

Passed

"Traffic mainly from US aligns with USAA's target market"

Reason: High global rank (#1,621) with approximately 20.9 million visits monthly indicates significant genuine user activity.

Customer Reputation and Fraud Reports

Score: 40/100

Failed

"Mixed customer experiences with fraud claims raise concerns about service reliability"

Reason: Numerous reports detail customer losses due to bank fraud with USAA accounts and difficulties in obtaining refunds.

Legal and Regulatory Issues

Score: 35/100

Failed

"These issues affect trust but do not imply direct scam involvement"

Reason: USAA has been involved in major settlements over improper fees, data breaches, and insurance claim disputes.

Your Next Steps

1

If you are a USAA customer, monitor your accounts closely for unauthorized activity and report fraud immediately.
2

Verify official USAA contact details directly from usaa.com before sharing sensitive information or responding to requests.
3

Be cautious of phishing attempts or scams impersonating USAA, as the brand is commonly targeted.
4

Review USAA's fraud prevention and identity protection resources on their official website.
5

Consider alternative financial providers if unresolved legal and customer service issues concern you.

Evidence & Citations

SimilarTech Site Info for usaa.com
Shows technology stack, traffic rank, and website description confirming official financial services site.
USPA Trademark Search Results USPTO
Confirms live trademarks registered by United Services Automobile Association.
Customer Fraud Reports and Legal Settlements Involving USAA
Documents multiple individual fraud cases and legal disputes related to USAA account security and service.
Whois and SSL Certificate Details for usaa.com
Demonstrates domain age, registrar reputation, and secure SSL setup.

🕵🏻 Keep investigating

Recommended →

🌐 Scan another website

Run another instant due diligence scan on any website URL. Verify before you trust!

Review instant loan approval landing pages

Instant approval funnels promise same-day cash once you upload sensitive IDs, then resell the data or charge bogus fees....

Read playbook →

Review emergency disaster charity sites

Right after storms or earthquakes, scammers stand up donation pages that copy legitimate NGOs and push crypto wallets. S...

Read playbook →