Consumer complaint received 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
To whom it my concern, On XXXX XX/XX/XXXX, between XXXX - XXXX XXXX, I received a call from USAA number ( XXXX ), it was a fraudulent phone call where the caller posed to be a USAA employee who worked in the USAA fraud department.

The ( USAA imposter ) had me to believe she was a member of the USAA fraud department. 

The caller sent me text messages and info as if she was a representative of USAA. The information she provided totally threw me off guard. The USAA imposter provided me personal information about my credit card and banking info, 3-digit code, home address, and were sending text messages that were coming from USAA. 

I have attached copies of the fraudster inbound calls and texts messages that shows timestamp of events. 

I have also sent USAA copies of text messages to conduct their fraud research. 

The USAA imposter stated that someone made several attempts using my debit card to make a purchase transaction and failed, so the USAA fraud team placed a block on my card. 

Then the USAA fraudster stated that a XXXX transaction of a XXXX dollars was being processed from my account, and she would help me reverse the funds back into the account. 

The USAA fraudster instructed me to reverse funds back into my XXXX account by adding my name as the receiver and a code to be the recipient of the reverse funds back into my account. 

The XXXX payment was not authorize, it is a fraudulent payment that was manipulated by an USAA imposter pretending to be a representative of USAA fraud team. 

I do not know the fraudster recipient who received these funds. 

This fraudulent incident happened on XXXX XX/XX/XXXX, between XXXX - XXXX XXXX When the XXXX dollars disappeared from my account. I became suspicion and immediately called USAA about XXXX XXXXXXXX XXXX  on the XXXX XX/XX/XXXX, informing USAA that a XXXX XXXX  was taken from my account. 

According to my XXXX account, funds wasnt taken and posted to my account until XXXX on XX/XX/year>. 

The USAA fraud team contacted me on XXXX XX/XX/XXXX, on or about XXXX stating that outgoing transaction have been restricted due to recent suspicious activities and that an investigation will take place. 

USAA have stated that they were able to identify the bank that received funds and requested the funds back, but the bank would not return the funds. 

The USAA Bank have the information as to what bank received the funds and should be able to identify the individual who committed the fraudulently act. 

I have been a customer and user with USAA for over 32 years, I never had a problem using USAA products and services. 

Recipient Token : XXXX USAA confirmation ID XXXX XXXX Confirmation XXXX Dispute Date : XX/XX/year> Disputed Amount : {$1000.00} Account Number ending : XXXX Recipient 's Name : XXXX XXXX .... ( Which my is name reverse engineering ) Transaction date : XX/XX/scrub> 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