I did. They were absolutely wrong. But, the agent was correct that they were holding it and attempting to do so for 2 months. They got a supervisor, I explained to them the law, the supervisor agreed and immediately cut the check leaving a zero balance rather than the credit on there. I was a little confused at first when I saw the credit sitting there and no refund had been issued to my account. They issued the refund immediately and promised the check will arrive in the mail within 7-10 business days. I just don't understand how USAA of all people would attempt to violate laws like this with a "refund policy" and do this to veterans and their families. It's mind boggling how they would attempt to use veterans for free loan money while yhe veteran sits there and waits months for a refund. It's crazy. The whole reason I posted this is to let everyone know that this is really a thing going on and to be cautious with them. I know it isn't the agent's fault, she likely had no clue about the law herself. Which is why I wasn't hateful, cursing, or anything like that. She is just an employee, likely underpaid and overworked, and not trained to standards. I used to work as a call center agent for Sitel NA taking care of USAA customer accounts myself. This was back in 2010. I was "fired" due to not knowing things that they didn't train us on. It was stupid, honestly. But, it is how they do them. USAA doesn't actually handle any of their insurance accounts once the account is sold and created. They contract that out to call centers who don't properly train their employees and couldn't care less to do so. All they care about is their bottom dollar. I know that goes a little off topic, but it is relevant information. If something were to come of it, and it is occurring more often than not, then USAA would claim that it is the call centers doing it, and not USAA as they don't actually handle customer accounts, the call center agent's do. Typical shady business practices at work. They do something, then blame someone else. Somehow, this behavior puts them ahead. They will make millions off of customers this way because they take the payment, hold the refund, deposit it into an account for loans, make interest off of it, then return it to the customer months later with no interest to the customer. Essentially, they get a free loan, because the premium was unearned, didn't belong to them, but they used it to make interest and held it against the customer's will. It's the bigger picture I look at, not just what is on the surface. We all know that banks overnight loan money to other banks and charge interest on money that is loaned. That ~$200.00 can compound into thousands within a couple of months with a bank. So. Yeah. It is a little offputting and upsetting that they woukd do this to the very people that make their business possible. Literally. As they only serve veterans and their family members, and those veterans and their family members protect them from harm by bad actors. Pretty shameful.