Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
or about XX/XX/XXXX, I set my bank accounts at USAA XXXX. XXXX bank had been frozen due to a judgment XXXX asking for a levy of my bank account. I did not know of any judgment that has been created against me in any court or any jurisdiction, and so I contacted a legal person at XXXX XXXX legal aid. 
Advice that I had received, I contacted USAA Federal savings bank and informed them that all money that has been in my accounts where the result of a court ordered workers compensation medical claim settlement in which I was to reserve funds for use and needed surgeries due to the injuries that I had sustained in a work related accident at my previous job. Also, the other funds that had been deposited in there where the results of funds that were being made into my accounts that were either XXXX XXXX XXXX wage replacements, or they were state XXXX due to injuries and inability to work paid for out of the XXXX fund. I also told them that my money on the deposit in their bank and in my savings and checking account accounts were not able to be wage levied because of the nature of how they originated. I was directed to call a XXXX XXXX XXXX, an outside attorney who is contracted by USAA to handle collections issues. After a lengthy discussion with XXXX XXXX, he refused to acknowledge that I was not supposed to have my funds exempt and that my funds by nature of their deposits were necessary for my daily X expenses in living and if he was to freeze my account. I had nothing because all of my funds were on deposit at USAA bank. XXXX that there was money in my account and I need to have access to them. He refused to relent. 
Count which still indicated theyve been frozen for a period of the time on that XXXX date, but then I noticed that the freeze was lifted. When the freezer was lifted, I followed my attorneys advice and I went ahead and transferred all the money into the form of a bill payment on my XXXX XXXX card, in order to pay the card down by that same amount with simultaneously save 10 % interest I was paying on that account and also would have the ability to charge my surgeries that were planned for a few months away. I confirmed that both the money in my account was successfully transferred into a bill payment on my credit cards, and I also confirmed that my credit card amount lowered by the same amount. I received transaction confirmation, confirmations, and receipts, and did not think much more about that that day. A short time later, maybe a day or XXXX I received another notice that my account again been frozen And that the money and that was being used to pay a bank XXXX that have been given to them. I contacted XXXX XXXX again, and wanted to know what was happening with my accounts since there was no money in them. He told me that I had overdrafted my accounts and I had bounced checks with my accounts and that I was basically Responding too late after the bank and loving my money out of my account already. Ive completely disagree with them, and I tried to explain to him that given the type of software that was used in the banking transactions, and the application that we use on our phones, there is no way possible to pay more than the amount of money that is in the account at the time you request for a bill payment. I had studied this extensively bank transaction transaction previously during my XXXX XXXX where I have a minor in business management and finance, and I realize that there would be no way for that to happen since I had experience in that in the past where I attempted to make a bill for payment for more than the amount that was in my accounts. When this happens with USAA savings bank, using the remote application that I use routinely since they do not have bank offices in the state of California near me, I know that you can not do this. There is no way possible to create a draft on an account that has no money in it for a bill payment that is directed within the application. If you do, so you get an error back and tells you that you can not do that because the amount you requested is more than the amount in your account. That means that the only way possible for this to occur was for them to reverse my transactions somehow or they wouldve Taken money out of my account after the fact that there was no money in them. This seems to be true, since I had numerous overdraft fees, and also nonsufficient funds in which they returned, apparently the checks which somehow they were saying were checks made by me, but they werent. Apparently what they did was they somehow reverse the transaction in XXXX of or more the accounts they had gone onto the bill pay, and they basically undid the transaction. 

All this was occurring in my banks were frozen well passed the end of the year, on XX/XX/XXXX I became suddenly aware that my house is being sold at a foreclosure sale that day despite promises that it would not happen. after receiving promises from the bank on the morning of XX/XX/XXXX, from the office of the president at capital XXXX Bank, I was able to learn that my house was indeed auctioned off and sold at about XXXX .pm I had attempted to hire an attorney because I was aware that within XXXX days youre able to file a court orde

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