Consumer complaint received 2015-11-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, XXXX, when I logged into my USAA Federal savings banking website I noticed that both of my son 's savings & checking accounts read Unavailable, which was strange to me because I had never seen anything like this before. I then called the USAA Federal savings bank to inquiry about this, not knowing if they would share any information with me, because these XXXX accounts belong to my son and while I was on hold and waiting to speak to someone, I called my son and began to question him, as to why his accounts where saying Unavailable oppose to showing the dollar amount that is typically shown when I view this page while being logged into banks website. This is when my son informed me that he was not sure as to why the accounts where placed in this status, and that he no longer had access to the accounts. 
On XXXX XXXX, XXXX I received text messages informing that USAA made a deposit to my son 's savings account, in the amount that has been showing a negative amount of money. Shockingly I had never received any text messages about anything ever associated with my son 's banking accounts and surprisingly I did not receive a text message referencing the status of his checking account, until I immediately contacted USAA Federal savings bank to inquiry about the text message stating that a deposit that was posted to my son 's savings account for " Charge Off Fraud '', which left me more confused then ever, where are asked them about the status of checking account and was told that USAA Federal savings bank had deposited the remaining outstanding balance to my son 's checking account after taking the monies from me ( XXXX XXXX, XXXX ) and placing it in my son 's checking account. 
XXXX XXXX, XXXX USAA Federal savings bank removed both of my son 's savings & checking accounts. 
On XXXX XXXX, XXXX, XXXX separate envelops addressed to my son and me arrived at my house and inside of each XXXX of them, was a statement showing a negative of amount which represented the savings & checking accounts telling me that the accounts are overdrawn and that this will be reported to the consumer reporting agency. 
My concerns / disagreements with all of this is that I have an excellent credit rating and have carried such all of my life, and I currently work for Federal government where I hold a Top secret security clearance and now because USAA Federal savings bank say that I am liable for fraudulent activity because I am showing to be a joint account holder on both of my son 's savings & checking accounts in just not right, that I can possible lose my Federal job because of something that I have no control over is wrong in so many ways. 
USAA Federal savings bank continue to tell me that I am a joint account holder on a checking account that was opened by son back in XX/XX/XXXX, which I never signed up for. I continually asked for proof of this and after almost a month later USAA provided me with a document that gives dates that showed where I opened up a Youth savings & checking account in XX/XX/XXXX that shows the same savings account number then and now. The checking account number in XX/XX/XXXX is different from the one that was opened by my son in XX/XX/XXXX ; however USAA continue to tell me that I am liable for the fraudulent activities that occurred from XX/XX/XXXX - XX/XX/XXXX. Based off of this provided information, did USAA Federal saving bank commit bank fraud / identity theft against me and did they remove my money out of both of my personal savings & checking accounts and applying it to my son 's checking account that I should not have been added too illegally?

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