TIAA

My personal retirement information is available with a touch of my finger all the time. TIAA-CREF’s mobile application is so quick and easy to use that I rarely have to sign in on my computer anymore. Most important, I can view my retirement balance at any time without opening the app, simply by entering my fingerprint. In addition, I can easily adjust my investments on this app and perform all the other functions necessary to maintain my retirement account.

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I signed up for a new account and got my card in the mail. I reluctantly decided to trust this bank with my direct deposit payroll and when it came time to get paid there was a restriction put on my account without notifying me therefore I did not get paid. And when I called in they said there’s nothing they can do, and said I’d have to wait. I requested to speak to someone immediately seeing as they have 24/7 customer service but I came to the realization that was a lie. And I would have to wait until Monday. Closed my account immediately as I will not do business with people who show a complete lack of care about their customers getting their money they worked hard for on time. So I will highly recommend you stay away from this institution and not trust them with your money. I learned that the hard way. Oh also their check deposit feature never worked on my app either and I got charged $50 from another bank for a failed transfer so this has cost me greatly and yet I never received the service I came here for. Stay away you’ll never see your money again. And be left high and dry. Interestingly I also have 300,000 Instagram followers and I’ve made a post about my issues with Tiaa. Im sure that should help prevent this issue from happening again to others.

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These people did not correctly transfer my husband’s assets to me when he died. After months of asking them they have not corrected their mistake. They agreed that they made a mistake. However, they will not fix it. Every time I reach out to someone they get back to the same team, bereavement beneficiaries, that failed me in the first place. Losing a Family member is hard enough without being cheated by the company that holds That family members assets. I reached out to people in the financial management section, Escalations(Alexis Ledesma), IRA management (Andy McCoy) And instead of helping me they just referred me back to the people who messed up in the first place. I am disabled so it is a little bit difficult for me to access help. But still no one at this company cares.

I’ve had a retirement account since starting “real” work at 22, and although I knew it was there, I never really kept up with it. I mean, I’m retiring in 45 years, if I’m lucky, and trying to remember to login and reviewing things...well, I had more pressing needs. The app, however, is a great way to get a quick overview of your account in an easy to understand way. Now I find myself checking in on things every few weeks instead of, maybe, reading the quarterly emails sent my way. Overall, I would certainly recommend.

The TIAA app is very good, easy to navigate and well laid out. The only issue I have with retirement accounts is their lack of granularity in showing the percentage gains per investment. There are aggregate gains and a graph that gives you an idea but it is quite tough to evaluate whether the specific funds you picked are performing well. Furthermore, the contributions are added as increases in the account almost as if they were gains which is quite confusing. I know this can be fixed and would separate the app from all the other providers as they do something similar.