Consumer complaint received 2024-12-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I sent the following email to the leadership of USAA bank and XXXX XXXX Bank with the subject line : Can you guys please talk and work this out? XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX don't have this problem -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Wed, XX/XX/year> at XXXX Subject : Can you guys please talk and work this out? XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX don't have this problem To : XXXX, XXXX, XXXX, XXXX, XXXX Hi XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX I am XXXX all in this email. You are the leadership of USAA and XXXX XXXX Bank, respectively. I am a long-time banking customer of USAA and XXXX new banking customer of XXXX XXXX Bank XXXX 
I have an XXXX XXXX credit card with USAA ( along with a few bank accounts there. ). At XXXX XXXX, I have a savings and checking account. 
I am also a credit card XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and Synchrony Banks. All of these, ( which all save XXXX XXXX larger than USAA ) are top banks in the United States, as you well know. All have robust risk management departmentsand procedures and all of them, XXXX XXXX XXXX, trust XXXX XXXX Bank no less than they trust each other. In other words, They all fear no risk of greater fraud stemming from XXXX XXXX Bank than they fear risk of fraudfrom any other bank with which they do regular business. 
I have a problem, XXXX & XXXX, which I'd like you to talk with the representativesof XXXX XXXX Bank to solve. The problem has gone on for nearly XXXX months. 
I wish to automaticallypay my USAA XXXX XXXX card through monthly auto pay drawing on funds in my savings account at XXXX XXXX. I was able to successfully set up this seemingly simple task to auto pay my creditcards at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and Synchrony Banks. 

Yet when I try to add my XXXX XXXX account as a " pay from '' account to pay my USAA credit card, I get a cryptic error stating it can not be added. The reason is that XXXX XXXX routing number is not in USAA 's database of " acceptable '' banks to transfer money ( even in the form of payments ) to USAA. 
It turns out this was an intentional, but misguideddecision on the part of USAA. 
USAA believesthat the risk of fraud coming from XXXX XXXX is greater than the risk of fraud coming from any otherbank with which USAA does business in the form of transfers. 
There are over XXXX banks in the United States and USAA gives an " A-OK '' stamp to almost all of them. 
And as I mentioned, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and Synchrony banks ll rust XXXX XXXX. 
Note being able to set an auto-pay relationship between XXXX XXXX and USAA to XXXX my USAA credit card is a tremendousburden and inconveniencefor me. And given that the top XXXX banks in the United States plus XXXX others in the top XXXX all give XXXX XXXX a clean bill of health, I believe this decision by USAA is unfair to me as a consumer. Indeed, I doubt my interests were represented at all at the decision-making table. 
From my perspective, if XXXX XXXX is indeed at as great a risk of fraud as USAA ( but not the other XXXX banks ) believes, then I have the most skin in the game of anyone on this email. I can assure the XXXX of you that I will always have more money in my Lending Club Savings account than the highest USAA credit card monthly bill than I willever have. So if fraud occursto my ( relatively ) big chunk of money at XXXX XXXX, I will have to deal with it. Yes, obviously, it's FDIC insured, but it will still be an efforton my part to deal with a fraudster who gets into my savings or checking account there. 
So, given that XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX have no problem whatsoever with XXXX XXXX Bank, can you XXXX & XXXX, sit down with XXXX XXXX so that XXXX, XXXX XXXX XXXX can assure you the XXXX has as robust fraud prevention systems and policies as any other major bank and that if those systems and policies are good enough for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX, then they should be good enough for USAA Bank too. 
I have copied the CFPB ( and XXXX XXXX personally ) on this email so that they are aware of the problem, and they can at least log the case in case you are unable to work this out, as I believe my rights as a XXXX are being violated. 

Thanks very much, XXXX XXXX

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