Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA Has made false accusations about a fraudulent Checking and Savings account and Membership they established back in XXXX. USAA Has stated that they responded previously where I agreed that the account was authorized to be opened. This is false accusations. The CFPB Complaints they have listed are not my CFPB Complaints. My Email address has always been XXXX. USAA Admitted that the account was registered under a XXXX. WHICH IS not my email. This was not my email address at any point in time. I will list the false accusations here : " However, USAA FSB has previously addressed this matter with you in our XX/XX/XXXX, response to your CFPB submission XXXX, and in our XX/XX/XXXX, response to CFPB submission XXXX. Our records show that XX/XX/XXXX, you established USAA membership using your personally identifiable information. On XX/XX/XXXX, you opened checking XXXX and savings account ending in XXXX " This is false information. I did not Apply for a USAA Membership, and I did not apply for a checking or savings account previously with USAA. I did not submit any complaints In XX/XX/XXXX, Nor XXXX, Nor XXXX. Any Previous complaints would have been submitted with an account that was established with the CFPB XXXX XXXX XXXX, and this account has already been closed with the CFPB As Identity Theft. The account registered under a XXXX, and a XXXX. Neither account have I ever registered nor authorized. I already addressed this with the CFPB. More False Accusations " On XX/XX/XXXX, you opened checking XXXX and savings account ending in XXXX. You electronically signed the signature card and XXXX tax certificates the same day. '' This is false, Because I have never signed any signature cards for USAA, Not today, not XXXX and not tomorrow either. I have never provided USAA with a XXXX At any point in time, and this is false accusations 100 %. USAA Also proceeded to state that in XXXX of XXXX I signed the XXXX XXXX and Conditions agreement, This is false because I never even had access to USAA Online Banking. I did not even have access to USAA to XXXX until XX/XX/XXXX. So this is false accusations. I have NEVER agreed to their XXXX Terms and Conditions especially not in XXXX of XXXX. This statement further proves that USAA Is scrambling to provide XXXX Accusations and Slander instead of actually conducting a proper investigation. USAA 's take on Identity Theft is very concerning and I believe the CFPB XXXX should investigate USAA as USAA has already been fined by the CFPB for creating and applying for accounts on consumers behalfs to boost their sales quotas. I am a victim of XXXX XXXX, and these accounts were opened and applied for fraudulently. I never agreed to the XXXX Terms and Conditions with their company, and I have never sent any funds via XXXX with their company. Alot of the XXXX Transactions being to a XXXX XXXX who I have never met in my life, and Who I am not related to. Secondly, being sent to XXXX XXXX, and I have never sent myself XXXX any point in time. XXXX has already advised that XXXX Is a Barred account and fraudulent profile. " On XX/XX/XXXX, you electronically signed the Send Money with XXXX XXXX XXXX XXXX. '' CFPB Please Investigate these false accusations. Another False accusation and even their rep tried to falsely accuse me was stating that I filed Disputes on Transactions while the account was in use. As I advised their Representative when I called in to file the fraudulent charges, that I did not file any previous disputes. The Dispute that was filed in XXXX was not from me. USAA Already advised the person called in from XXXX WHICH WAS NEVER MY PHONE NUMBER. Which Occurred during the account take over fraud. The XXXX was registered online fraudulently, and used fraudulently. " The account was used for deposits, debit card and ATM transactions, XXXX credits and debits, and various other transactions. You also filed fraud disputes for various charges while the account was in use. '' All Transactions were fraudulent. I did not use the account for XXXX XXXX, XXXX XXXX, Nor any other type of transactions. I have never been a student at XXXX, and some of the charges were to a XXXX For {$3100.00} ACH Which I never authorized. I am not sure whom paid this transaction but it was not me. USAA stated they investigated the charges because of the previous dispute, However I had nothing to do with a Previous dispute. The only charges disputed at that time were for a XXXX. If I was going to file a dispute, back in XXXX I would have filed it for all CHARGES. ALL Debits, ALL Credits. However, I did not have access back in XXXX and I did not know these charges were occurring. They allowed over {$8000.00} to be Withdrawn within XXXX Business days. However they advertise an ATM XXXX limit of {$1000.00}, they allowed {$8000.00} to be withdrawn with a Debit Card that I never received. I did not activate the debit card, they never sent me the debit card. They shipped this debit card and a subsequent debit card to XXXX XXXX XXXX Apt XXXX. Whos address this is I am not sure but it's not my address. It doesn't match any of my public records, I already advised my IDentity was stolen and USAA Wants to play games with the Publics Financial 's. It's Clear USAA takes XXXX XXXX as a Joke. Which is a shame coming from a XXXX XXXX that states they support the military. " Each dispute case was investigated and found no evidence the activity in the account was fraudulent. '' Per USAA They investigated and sent the documents Electronically to someone else. As I could not access online banking and I was not aware of any documents and USAA Admitted they mailed it to the wrong address. USAA Sent Documents to the Online Portal that I NEVER RECEIVED. Again, The Account was take over fraud. I never had access to Online Banking, and I had no way to know someone opened a dispute, and why they opened a dispute for just XXXX charges doesn't make any sense, because all charges were fraudulent as I advised to the Fraud Representative. Additional false accusations are " In XX/XX/XXXX, you applied for a personal loan in the amount of {$8000.00}. The loan ending in XXXX was approved, and the funds were distributed to checking XXXX. In XX/XX/XXXX, you made a {$7900.00} payment from the checking account to the loan. In XX/XX/XXXX, you applied for a personal loan in the amount of {$15000.00}. The loan was approved, and the funds were distributed to your checking account. Your checking account XXXX was charged off in XX/XX/XXXX, with a balance owed of {$530.00}. '' I never applied for any loans through XXXX XXXX USAA For that matter not by phone and not online. They Distributed XXXX XXXX to the checking account that I did not apply for nor did I utilize. USAA Charged the Account off because I filed Bankruptcy that is correct. I filed Bankruptcy because of being a victim of identity fraud, and to remove the debt that I did not incur. The Bankruptcy was XXXX in XXXX of XXXX. The account was closed in XXXX of XXXX. I did not find out about this account until my Attorney XXXX the letter to me in XXXX of XXXX. Which is when I called in. USAA Also tried sending a Cashiers Check ( Corporate Check ) As an Apology letter to an address again I have never lived at XXXX XXXX XXXX Apt XXXX XXXX, TX. The cashiers corporate check was RETURNED AS UNDELIVERABLE. Because again, I never lived at that address. The same address that was used to send the debit card fraudulently and apparently the account opening documentation as I never received a single piece of documentation still to this date. USAA Advised that on XX/XX/XXXX they would have to place a stop payment on the corporate check, and they could reissue XXXX. They stated they needed to see my identification which I sent, To see my correct address. They verified my identification. I was told the check would be reissued on XX/XX/XXXX. I was also advised by XXXX different representatives that the check would be expedited free of charge by XXXX. ( 2 Day XXXX ). I called back on XX/XX/XXXX and I was told that the representatives lied to me and that the check was actually Mailed by XXXX XXXX Mail on XX/XX/XXXX. That I can expect to receive the check in XXXX Days. I advised that on Previous Calls I was promised that the check once reissued to the correct address would be sent EXPEDITED OVER NIGHT XXXX. She told me I could submit the process all over again and stop the payment that will take another 14 days and then I could submit a request for another check which will take another 7 days or I can wait on the mail. They told me there is nothing they can do about it even though I was promised and assured it would be expedited OH WELL. USAA Stated they do not care, and they do not uphold their agreements or promises to the members. USAA is conducting shady business. I believe this Checking account and XXXX Account were applied for, XXXX, XXXX and XXXX. These were applied for using XXXX  XXXX. XXXX XXXX. I have never before submitted any CFPB Complaints. I believe USAA Owes me Compensation for Fraudulent Transactions. I believe USAA owes me a XXXX XXXX for the False Accusations. I would like for the CFPB To investigate USAA in their Business Dealings, and How they manage and handle customer complaints. I would also like the CFPB To review how they handle Identity Theft. I sent a police report which clearly depicted the crime, and USAA Ignored the Police report, and Identity Theft Affidavit, Meanwhile USAA has refused my request for documentation. Please provide supporting documentation before falsely accusing victims of fraud. Please properly conduct Account Takeover Investigations. At this time, XXXX has been investigated and USAA has conducted fraudulent applications without my consent.

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