Consumer complaint received 2021-07-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
USAA has been discriminating against me and my personal checking account/insurance policies for almost one year. Denied full access to my account. 
I have been with USAA for about 32 years. It's disappointing to experience the treatment that I have been receiving from USAA for the past 3 years For the past 3 years USAA has restricted access to my checking account. 

The first couple times that my account was restricted according to USAA Bank, The IRS was in need of information regarding me and my checking account. I refused for a long time to fill the information requested as I have always filed my taxes and if there was any additional information that the IRS needed from me they knew where to contact me. 

Last year during the month of XXXX or XXXX I started having issues again with USAA regarding restrictions to my checking account. Last time was the IRS, this time the questions are related to FINCEN.

FinCEN. As you mostly like know FinCEN is the agency that investigates money laundering. 

I have not gone thru all the questions but here are some of them. 
Q. What is your annual income? 
Q. Are you a current or former high level elected or appointed FOREIGN government official? 
Q. what is your net worth? 
Q. will more than {$5000.00} in cash will be withdrawn monthly? 
Q. Will international transfers be sent from this account? 
Q. Will cash equivalent will be deposited in this account? 
Q. Will cash will be deposited in this account? 
Q. How are you going to use the checking account? 
As I mentioned before there are other questions but due to the fact that I have yet to complete the requested form provided by USAA, I do not have access to the all the questions. 

As of today, I have no access to my account with the exception to view the balance. I called USAA to resolve the problem and there is no help what so ever. 

I have never since XXXX when I first arrived to this country - legally - I have felt discrimination until USAA started discriminating against me and my account. WHY is USAA restricting my account there is no reason. Is it because I am a XXXX woman? Once again there is no reason for USAA to barred me from my account. I have never made cash deposits - any check that is has been deposited is accountable for it and can be traced to the issuing source without a problem. I have never worked for a foreign country. I do not have contact with high level official from a foreign country. I am just a woman trying to work hard, legally, ethically, pay my taxes and survive XXXX XXXX. 

USAA should be ashamed for heir business practice and should be penalized financially. Furthermore, I do feel that USAA should compensate me financially for a whole year of headache dealing with them. Are there other in the same boat that I find myself with USAA, most likely? 

I know in the past USAA was the most amazing bank, customer service was great! In the past few years USAA has been going down the drain in my humble opinion. 

Thank you for your time,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation