Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
My name is XXXX XXXX XXXX. I have been a loyal USAA member for over XXXX  years, ever since my XXXX in the United States XXXX. I am filing this formal complaint against USAA Federal XXXX  Bank, regulated by XXXX, and am copying USAA XXXX leadership for immediate action. 
My XXXX account XXXX XXXXXXXX My XXXX  Account XXXX XXXXXXXX Summary of the Crisis - Over XXXX months ago, I requested to add my lawful XXXX XXXX & XXXX XXXX my USAA account. 
- I explicitly stated she is not a XXXX citizen, has no Social Security Number ( SSN ), has no XXXX taxpayer ID. 
- USAA accepted, approved her, added her name to my account, and issued a credit card in her name. 
- Then suddenly, without notice : My account was restricted. 
Over {$55000.00} was frozen. all payments declined No prior warning. No violation committed by me. 

Bureaucratic XXXX & Negligence Since then, USAA has forced us into a never-ending spiral of contradictory demands : XXXX. Utility bills in my wifes name at our XXXX address provided. 
XXXX. Translated & notarized documents cost {$500.00}. 
XXXX. New document requests every few hours. Today, a demand for XXXX despite her being a joint account holder already accepted without XXXX. Not to Mention that its the same address USAA have for me XXXX  years! 
XXXX. No coordination between departments. No one returns calls. 
XXXX. USAA repeatedly reminds members that all calls are recorded we have phone logs and timestamps to support our compliance at every step. 
XXXX. We will attach proof : screenshots of her name on the account, utility bill, v, document submission history, and call logs. 
Discrimination and Targeted Obstruction What we are experiencing goes beyond gross negligence. The account freeze, the shifting requirements, the disregard for documentation it reeks of intentional obstruction, and quite possibly antisemitism, given the context. 
This is not a financial compliance issue it is a discriminatory blockade, and must be investigated as such. 
Damages & Compensation As a result of XXXX actions, I have suffered : Item Cost Notary & translation {$500.00} XXXX hours of XXXX calls ( at $ XXXX ) {$1600.00} Time lost XXXX ongoing for XXXX months ) incalculable Emotional & reputational harm significant I demand : XXXX. XXXX restoration of full access to my $ XXXX account with or without my wife remaining associated. 
XXXX. Written explanation of why the account was frozen after approval. 
XXXX. Compensation totaling {$2100.00}. 
XXXX. XXXX this treatment will not repeat. 
XXXX. A formal apology from XXXX XXXX team. 
Availability I am currently in XXXX, XXXX hours ahead of XXXX XXXX XXXX, XXXX hours ahead of XXXX Time. You XXXX reach me at XXXX ( cell ) or via email within coordinating time windows. 
Attachments & Contact Info Attached documentation includes : - Screenshot of joint account with wifes name - Utility bill ( translated & notarized ) - Submission logs - Phone call logs

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