Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
In XXXX, I opened a USAA Bank joint checking and savings account with a secondary accountholder ( my niece ). I was the primary accountholder. In XXXX XXXX, USAA Bank allowed the secondary accountholder to deposit XXXX fraudulent checks on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX into the checking and savings accounts, WITHOUT PLACING ANY OF THE DEPOSITED AMOUNT ON A TEMPORARY HOLD. 

The check amounts were each just under $ XXXX and should have been caught by USAA bank and XXXX suspicious : Fraudulent Check # XXXX - {$9800.00} Fraudulent Check # XXXX - {$9900.00} Fraudulent Check # XXXX - {$9800.00} This checking and savings account had never had any large deposited amounts before these XXXX checks hit the accounts. 

USAA Bank did not place ANY HOLDS on ANY OF THE MONEY and immediately made the ~ $ XXXX available. The secondary accountholder immediately began to withdraw {$14000.00} in cash from the same ATM machine in repeated {$1000.00} transactions over the space of XXXX days. 

By the time the bank noticed that the checks were fictious/fraudulent, and by the time I noticed as the primary accountholder, the secondary accountholder was long gone with the cash and the primary accountholder, ( me ), was required to pay back USAA bank XXXX {$14000.00} that the secondary accountholder took off with. 

USAA bank encourages this type of bank check fraud by NOT placing HOLDs on any of the funds of these checks! and by IMMEDIATELY allowing an accountholder to withdraw {$14000.00}!!! in cash! Again, ALL OF THE FUNDS WERE IMMEDIATELY AVAILABLE FOR USE. I have never heard of a bank allowing XXXX XXXX XXXX  to be withdrawn IN CASH from an ATM machine! 

These are egregious banking practices and they have cost me {$14000.00} in payback, plus time and expense filing criminal fraud reports in XXXX, VA and XXXX, VA, filing a Warrant in Debt ( Civil Claim for Money ) against the secondary accountholder, and scrambling to borrow $ XXXX to pay off this account so that I could zero it out and close the account. 

I filed a complaint with the CFPB in XXXX or XXXX XXXX and received no assistance or satisfactory resolution from USAA Bank at that time. 

Now, in XXXX XXXX, USAA bank sends me a {$320.00} " inconvenience check '' for their " inconsistent bank processes '' between XXXX and XX/XX/XXXX that " XXXX have caused me inconvenience. '' They have also allowed me to request additional compensation by filing a Remediation Claim through XXXX XXXX, USAA Bank 's XXXX XXXX handling these remediation claims. 

I am filing another complaint with the CFPB because it has been XXXX years since I had to re-pay USAA Bank {$14000.00} because USAA Bank and USAA 's XXXX XXXX. did not practice sound banking or sound fraud detection principles and I depended on them to do so. XXXX years with no resolution from USAA Bank. They have not timely compensated me for the loss. And in order to " maybe '' be compensated now, I have to file all the documentation as a remediation claim. I complained and filed these same docs. in XXXX with NO RESOLUTION from USAA Bank.

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