Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I applied for a loan on XX/XX/year> and unfortunately the company turned out to be a scammer they made me believe I was receiving my loan through XXXX XXXX. A person by the name XXXX XXXX claimed he was from USAA saying that he was verifying my account information so XXXX XXXX could deposit. I complied trusting it was a USAA employee. They deposited a check into my account making me believe it was and then proceeded to threaten me to return what I thought was cash the account of {$1000.00}. I called USAA in real time during this situation they locked my account as a second check came. I was instructed by these people that I return their money through a barcode they sent from my nearest XXXX. I was praying that USAA would decline the transaction but they didnt. However they cleared this fraudulent check instantly no hold for verification They Held me accountable and deducted {$1000.00} from my account from my XXXX deposit I use for rent and medications. I explained it was my rent and medication money. I am a Domestic XXXX Survivor of a XXXX XXXX XXXX Member a Retired XXXX I have XXXX  and XXXX XXXX and other health conditions. I Contacted office of CEO pleading for help every day I was informed that they will not credit my account. Claimed they closed the case I had participated USAA sent Police officers to my home for a wellness check. Police officers took a report and there is open ongoing investigation. I have case number if needed In the meantime Here I am in an eviction process and not able to purchase my medication. My letter to XXXX XXXX never reached him. Yet there are various cases as mine that were credited due to a Reporter of Problem XXXX XXXX XXXX of XXXX XXXX Texas as of XX/XX/year>. USAA reimbursed their money a publicly apologized only because they were on the news. They had a XXXX XXXX dollar class action lawsuits for reasons such as my circumstances. Yet after 3 months of pleading providing proof, names and uploaded documents they insist on not crediting my account for the {$1000.00} they took from me unfairly. They should have never cleared the check and also understand the person pretending to be a USAA employee manipulated their entire situation. I only returned this money out of fear these people had copies of my drivers license my address and I suffer from panic disorder.USAA failed me they didnt hold that check when they should have like they hold any check I deposit for 10 daysnobody cares in that company. I dont believe they have a fair due process for investigating fraud and scams of people pretending to be them.. XXXX be at the courthouse contesting an eviction USAA needs to be honorable and protect the customer not the fraudsters. They will not provide me with documents from the steps taken to investigate the fraud and made a decision without proper investigation no fraud inspector never called me to acquire my statement or any information. They have no compassion for their customers and no respect for the fear of survivors of XXXX  XXXX and how we react in moments of crisis. USAA you failed me. I insist that you credit my account you failed 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