Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
b"I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX An account was opened up at USAA around XXXX XXXX The first deposit put into this account was an apportionment check from the VA due to my XXXX to my wifXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX But the check was under the name murta which my wife does not use . The check was also addressed to an address in XXXX Nebraska , even though me and my wife live in Texas. Both signatures on this check we're fraudulent, as I was XXXX in Texas and my wife living in Texas but the cash the check being deposited XXXX to USA via mobile deposit. That was only the first start of all the problems that happened in my account and I will go in a in order of the timeline. The next questionable things that happen on this account again all this without my knowledge or consent any of this were four or five checks as my wife being the fiduciary for my daughteXXXX XXXX XXXX When my wife found out these checks were being issued to an address she never lived at she had the VA stop payment on these because she did not have my daughter but the person that was receiving these checks fraudulently again again forged my wife and my signatures on these checks and they later came back as non-payment because the person that illegally had these checks didn't know my wife had put payment to the checks. The next issue that came on the account was a personal injury check of mine from a law firm called XXXX XXXX XXXX XXXX XXXX Nebraska. There's a check for XXXX that was forged without my consent without my signature deposited by ATM in XXXX Nebraska part of USAA's ATM Network. I then was XXXX XXXX XXXX XXXX and as if say to the bank before I probably never had full control till after XXXX XXXX. Coming out of prison I'm a little scared of having please contact or finding out USA has a moral clause which states that they can end anybody's accounting information whether they've ever find out you have been arrested or XXXX for any type of crime so it's a little nervous reporting to anything but almost within a month of my release I did report to USA all the fraud is going on my account. From day one this wasn't just about disputes this is about forgery identity theft and then I didn't possibly make any of these transactions. First thing only investigated my disputes from XXXX XXXX which was not one of the whole case is supposed to be about then they started coming back unfounded which then I later escalated the case. Again I always told him that I was XXXX during this time there's no way I can have ever done any of these charges and about a month later on the XXXX XXXX XXXX they decided not to do business with me after abuse of their temporary credits from that date till till sometime in XXXX I called and called and called and called along with my wife on 3-Way or on speakerphone to get an answer why am I dispute was unfounded or not found in my favor I can never get an answer not once ever given an answer and that's fighting with everybody from the season to the basic person down in XXXX XXXX XXXX never once again an answer. Now I'm a disabled veteran with 100% service connection and considered a vulnerable adult. After calling and calling USAA and trying to get this and after my last review which was done in XXXX I finally got an answer saying because they did not have my course incarerarion dates. I'm almost sure that it only I mentioned this in thousand times to him I've submitted this paperwork prior but doing my due diligence I uploaded the paperwork twice on the on the USAA app and subsequently also fax them the documents. Now keep in mind this whole time every dispute review I've had is taking less than a week but I asked him what about the checks and that's when things got serious after I brought and showed and proved my XXXX date and question every check is put in there before my release from prison. I'm been waiting on a call from a specialized investigative team but the issue is that I've called probably at least a hundred times prior to this and never got any answer about why my stuff was unfounded. As of 2 days ago before XXXX XXXX XXXX I was informed that XXXX XXXX transactions in question of the original dispute out of those XXXX XXXX were found in my favor 80 cases were still open and 35 were not found my favor . Now I kind of got very upset when I heard this how are 80 cases still open now I told this by three different members at USA until it seems like somebody's kind of covering their butt here so many memories those transactions out which is not true because any of them 80 of them were still open and not fully investigated just because you SAA decides not to do business with me does not mean they're obligation nor does the timeline for the obligation stop. From the beginning I've always claimed not only is this the dispute process but this is my possibly identity theft account takeover or undue influence or whatever it may be I'm not the smartest guy in the park but I do know that I was taking advantage of someone who was stealing for me restricting my access to certain things and I've told you to say all this and never did I receive only call back after call back or answer why XXXX dates . This is concrete solid proof that I did not authorize the transactions I did not give these transactions I didn't do any of these. Also my wife is giving me a copy of a letter from the treasury Department after she fell out XXXX XXXX form from the treasury and I've submitted this to USAA . In this letter which specifically references the first check that's put into the account for XXXX address to XXXX XXXX in an address in XXXX Nebraska the treasury says these signatures on the check are forgeries. My wife was later reimbursed for all the apportionment checks most of them illegslly being cashed into the account that I, had the form my XXXX and the only one I thought I still had through all my incarerarion was XXXX XXXX XXXX XXXX Then it's where most of the check fraud happen with my wife's checks and then the from the last check that was issued for the VA portion was started in an account that didn't have when I started my XXXX at USAA. I did not know this was happening at the time but I did allow my check to be picked up mom's XXXX because I felt like I was being pulled early but in no way did I ever get this person authorization to write my signature on this check deposit this check or withdraw any of this check. This person forged my signature. This person attached their their cash app card to my account which they spent over XXXX from my original original deposit date of this check of XXXX XXXX I believe XXXX before almost all of it before XXXX XXXX XXXX Again I did not deposit this check I did not authorize this check I did not sign this check and no power of attorney is on file with either bank. This person took the money for their own own XXXX and this person was not a a partner to me was not anything special to me but a almost former friend of the family that I later found out who did all this to me. Again I did not otherwise anybody to sign my wife signature or mine on her VA appointment check, on my personal injury check at XXXX or take out money from from the account that was opened and manage control over it. This is way more than disputes this is XXXX theft undue influence account takeover whatever they'll determinology is I did not do these things and I prove to USA how I did not do these things. There are 80 disputes still open even though I just got USA lying about that they were closed when they close out the account there's 35 that were found out my favor 82 found my favor but they withdrew a lot of the temporary credits right before they close my account and they close my account as XXXX XXXX XXXX Since the date I probably between me and my wife call USA between the co members office members Solutions and the fraud team over 100 times each at least wondering trying to get an answer why my account was closed why am I my funds were my case was found unfounded. We never received any answer of why my case was unfounded until my personality and calling in XXXX got an answer or we didn't have your XXXX dates that was the first time in 6 months I heard that. That or any answer for the record. Now I'm waiting a call on a specialized fraud team for my check even though I've claimed the checks from the very original dispute to another team to finalize the 80 open disputes plus the 35 they're found not my favor. A lot of money I feel is owed to me from the XXXX that was put into my account without my permission without making sense by forgery to numerous disputes that they have not completed in the timely manner according to regulation e.\n\nI've had a call consistently almost weekly for 6 months to get to this point where I'm at now. Even though USA decides not to do business with me they're still obligated to finish the disputes three employees have told me 80 were still open even though the last person told me and I feel like USA was covering face and Saving Face told me when they close my account all of our clothes which is a lie because why would they still be open or not completed?\n\nIf the timeline is the accurate statement what happened to my account it is known now that the question will count opening status to every transaction that was made on there before my release which is XXXX XXXX XXXX and I will always claim XXXX XXXX is probably the day I had full control of my account every transaction was fraudulent and done without my consent I'm in XXXX and I cannot make certain things or access my account in any way.\n\nI've made a police report USA never seems interested in I've called numerous times to get an answer USA has never given me an answer that's why my account was not only closed why was the disputes not found in my favor. I shouldn't have to fight a bank to get the answer 6 months later let alone prove my case every time I call them. Every review I've had before this last one has taken less than a week since giving him my XXXX dates with the proof everything seems to change and I keep getting shove around to this person in the CEOS the member's office to another. person.\n\nI feel I am owed $XXXX for my injury check which I never deposited or give anybody consent to. I feel I'm the victim of fraud and any theft and undo influence and I believe my proof of XXXX along with the letter from the treasury Department validates everything I say 110% and then some. Anybody can look at it or listen to my calls almost from beginning of voice claimed not only all these disputes but about my checks and and forgery and it's never been taken serious until now and I feel it's only been taking serious after my annoying persistence.\n\n\n80 disputes are still open after over 6 months of opening the original claim. The treasury later debited out of my account without knowing that the count was was fraudulently being controlled debited that money that was spent for my wife's portion check which literally came out of the deposit of my injury check ofbXXXX. Shouldn't have to fight this hard big this much to have some kind of resolution. Even after giving me temporary provisional credits to remind us to disputes which they were quite a lot my most mine were coming back unfounded and the provisional credits they've given me which I was counting on for starting a new life with were the only taking away but reverse also.\n\n\nI'm asking the Consumer Financial prediction Bureau demand why these claims were never investigated in timely manner and why they never took me seriously about my XXXX nor the 90 day deadline.\n\nI'm asking the Consumer Financial Bureau demand and verify that the checks are being investigated as forgery and account takeover and disputes can be handled within the 90 days timeline which is passed.\n\n\nHow's it going XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I could not have made any of these transactions prior nor did I give anybody authorization nor did a consent to anybody using my signature nor my wife signature.\n\nThe first five deposited in my account were either later game to be fraudulent and illegal deposit or later stop payment on the checks being deposited which the criminal did not know they were stopped payment on.\n\nThis is taking a huge financial and stress on me and my family as a check that we were counting on when I get out of prison to start my life with certainly stolen for me and deposited without my consent and subsequently spent by somebody who thought they were going to get away with it.\n\nTransactions will show money being spent in exclusively on this person or on their family in XXXX Nebraska.\n\n\nUSA has never take me seriously run me around and told me many lies for the record there was XXXX XXXXansactions and Tool 82 were found my favor and I've been told by three employees 80 were still open and then 35 were were already found out my favor.\n\nI'm in a member with USA for 18 years they've had my signature on file they never verified my signature they never really asked many questions and went this went through it's been a Soup Sandwich ever since bills are piling and I I'm entitled to my original check amount of XXXX untainted and give it to me without any questions from USAA. There's no question the signature on the check is a forgery . There's no question that my wife signature on the VA portion or fiduciary checks or forgeries I feel USA strip bearing in this problem and hiding me and I just will not go away I'm asking the Consumer Financial Protection Bureau to protect me against the conspiracy take away my rights and my original personal injury check.\n\n\nI feel USSA's failed to keep up on me as an ll even though I've had been in been with them actively since XXXX or 12.\n\n80 and I want very repeating in 80 transactions are still open and never been investigator finalized even after my account was closed. All they ask for is mycarceration dates proof they've had that and everything seems that only stalled it's been harder and harder to get through to people in the right offices.\n\nThey've been consistent pattern of USAA stalling lying manipulating and even hanging up on me.\n\nI demand that the Consumer Financial Protection Bureau sends all this in writing demanding why they never investigate this as a forgery I demand that the Consumer Financial Protection Bureau sends all this in writing demanding why they never investigate this as a forgery why they ignored the letter from the treasury Department and why they ignored me this whole time when I talked about account closure and fraud and forgery until now. I want to know when I can see receive provisional credit because they took it away from me last time due to quote abuse which is absurd. I asked Consumer Financial Credit Bureau to ask why USAA went well beyond the 90-day Mark even thought they still have not resolved 80 cases dating from before XXXX XXXX XXXX\n\n\nI started my XXXX with XXXX XXXX XXXX XXXX and somehow this account ends up. And the checks or any of the deposits put in for XXXX XXXX XXXX were mine or we're with my knowledge or with my signature nor with my consent. We're talking oveXXXX XXXX for my personal injury to XXXX from my wife's appointment from the VA due to my XXXX I'm following with you guys because I haven't been at my Wit's End and there's seems to be no resolution from USA even though they are clearly in the wrong here and it's their liability not mine.\n\nIt is the day after XXXX XXXX XXXX and I opened up this this claim originally back in the middle of XXXX this is ridiculous that I sold to hear let alone 80 open cases that have never been fully answered or fulfilled sounds illegal to me."

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation