Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX reached out to me on XXXX around XX/XX/XXXX. She asked me to continue communicating through XXXX, then through XXXX, and now I cant find her XXXX account under the name she used, XXXX XXXX, or her allegedly correct name, XXXX XXXX XXXX. 

She started telling me about her crypto investments and showing me how much profit she was generating, with help from an aunt ( XXXX XXXX XXXX ) who worked at XXXX XXXX for over XXXX  years. 

She convinced me to open my own accounts in XXXX Apps : XXXX and XXXX. 

So far, I have invested ( or lost ) {$65000.00} in this XXXX account ( part of which is {$50000.00} XXXX withdrew from my TSP retirement account ). I had to use the recipient 's XXXX XXXX, XXXX information, as provided by her, for the bank wire transfers. 

I also requested a {$400000.00} loan on their crypto platform, using my house as collateral, which was approved within XXXX day, with an interest rate of XXXX XXXX daily for XXXX days. I already confirmed that they didnt put a lien on my house because I was looking for an equity loan with Achieve Loans that had been approved, but I didnt use it. The underwriter from XXXX XXXX confirmed that the house has no additional liens, only our principal mortgage with our creditor, XXXX Mortgage. 

Once I supposedly made a huge profit in the crypto account ( XXXX days after receiving this {$400000.00} loan ), reaching {>= $1,000,000} as of today, I tried to withdraw some funds to pay off that {$400000.00} crypto loan and its {$33000.00} interest. Their customer service told me I couldnt pay it because I have to use funds outside my trading account to repay their loan. They gave me until XX/XX/XXXX to repay the loan because I informed them that Im selling the house as part of my current divorce process. I noticed from the previous screenshots I can provide that they use the domain XXXX. 

I have to clarify that she has made all kinds of romantic promises to me, even assuring me that we will create a family together, but when I try to talk to her over the phone or via video calls, she is very reluctant and gives me all kinds of excuses. Right now, she is strongly insisting on XXXX options to repay that crypto loan : XXXX. She will lend me {$200000.00} that she is getting from a friend who owes that amount of money to her, finish the sale closing of my house before XX/XX/XXXX, and I will talk with my ex-wife to convince her to use her part of the funds to repay the crypto loan. 

XXXX. Find more people to join this crypto deal so I can earn a commission for helping them achieve those apparent high profits. 

I contacted the police department because my realtor, who will help us sell the house, also invests in crypto on the legit XXXX platform. He was curious about the amount of money in my crypto account and ran some background checks to confirm whether this deal was legit. He couldnt find any information about XXXX, and he couldnt even find any subscribers associated with her phone number, XXXX. He told me the number is most likely associated with a burner, not even a smartphone. He was the XXXX who highlighted to me the websites using the .top and .in domains on the crypto platform. So, basically, at this point, XXXX sure this is a scam, and he was the one who opened my eyes and is saving me. 

This is additional personal information I have gotten from her : - Date of Birth : XX/XX/XXXX - Parents ( who supposedly died because of XXXX ) : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 
- Aunt ( who supposedly worked for XXXX XXXX for over XXXX  years and lives in New York ) : XXXX XXXX XXXX. According to her, her aunt is the one who lets her know how much to invest and when to enter the crypto market to maximize profits. Tomorrow, Tuesday, XX/XX/XXXX, at XXXX, we will have another crypto investment transaction in the XXXX XXXX to generate more profit. Just to clarify, XXXX not investing any more cash ; the capital is allegedly already in the crypto account. 

So far, I haven't found any credible, verifiable information about anyone using those full names in publicly accessible professional, academic, or news databases. I have searched XXXX, XXXX, and XXXX XXXX, and I havent found anything yet. 

According to her, she is living in XXXX and working for a real estate company, which I found to be XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX, and uploaded XXXX of the pictures she sent me to XXXX Reverse Image Search ( https : //images.google.com/ ). 

Other pictures I can provide again show she was at XXXX XXXX XXXX in XXXX of XXXX XXXX in XXXX, XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX, and the RL ( XXXX XXXX ) Restaurant located in the same building where she supposedly works at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

After asking for her phone number ( XXXX ), she told me she lived in XXXX, but I dont have any other details. Other pictures show her at the XXXX Pool, XXXX De XXXX XXXX, XXXX XXXX, FL XXXX, which is apparently now closed. 

In another picture, she played on the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, VA XXXX. According to XXXX XXXX XXXX XXXX, the uniforms shown in the picture were those used in the XXXX, when the school was named XXXX. XXXX XXXX XXXX. She hasnt told me when exactly she came from XXXX to the United States. According to her, she has a green card after having a work visa. I havent been able to get her Social Security number, e-mail address, or home address yet. 

She made me use XXXX Apps on my phone to do the usual XXXX crypto transactions, each taking XXXX seconds, about XXXX or XXXX times a week at around XXXX PM : Onechain and Exchange Apps. 

The XXXX XXXX is showing a balance of {>= $1,000,000} in my crypto account. The website linked to that App is www.szpjsvq.top. I checked that website in XXXX, and I got the following : The domain www.szpjsvq.top appears to be active, but I was unable to locate any credible information about it ( such as a legitimate business website, company identity, or trusted content ). 

After running a domain-whois and security scan on www.szpjsvq.top, I was unable to retrieve the full public registrant name and contact details likely because privacy protection is enabled or the registrar has masked the information. 

On XX/XX/XXXX, she told me through XXXX that she owns a self-occupied property in XXXX XXXX XXXX XXXX western suburbs of XXXX. Additionally, she has invested in a vacation property in XXXX XXXX, a northern suburb of XXXX, which she rents to visitors to XXXX XXXX. 

I have screenshots showing XXXX alleged profits in XXXX night, which were part of what she used to convince me to enter into this business, and their domain is www.bitvestment.top. I also have screenshots from their alleged customer service conversation with me showing the domain XXXX According to XXXX, the domain XXXX ( from XXXX ) resolves and is registered. According to XXXX, the domain was registered around XX/XX/XXXX. XXXX notes that it has a low visitor rank and that the registrant has used privacy protection/identity hiding. There are threat intelligence references indicating the domain is used within suspicious redirect chains or as part of XXXX XXXX. For example, a XXXX XXXX analysis shows the domain in URLs associated with redirect traffic. 

I also have a video recording with her that I sent to Detective XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He told me that her face wasnt her real face ; it was generated with AI. 

I also reported this scam to the XXXX ( Internet Crime Complaint Center ) at XXXX XXXX XXXXXXXX ( Submission ID XXXX ), the Cyber Crimes Bureau XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Strike Force of the XXXX Secret Service at XXXX XXXX which was announced by XXXX XXXX Attorney XXXX XXXX XXXX XXXX. 

Although I submitted all this information to USAA when I filed a recall request for the {$50000.00} wire transfer ( Dispute ID XXXX ), they sent me an email on XX/XX/XXXX stating the following : " Based on the overall review of your claim, we determined there wasnt any fraudulent activity. '' I called USAA, and they had made that initial decision because the wire transfers were initiated by me, even though I explained that I was deceived and scammed into doing them. They also told me my case isn't officially closed yet and that I'd receive a final decision ( which I still haven't ). I will let them know about my reporting to the Scam Center Strike Force of the XXXX XXXX XXXX as well when I send them a written appeal today. 

I haven't received any response from XXXX XXXX XXXX XXXX about my wire transfer recalls yet.

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 non-monetary relief