Consumer complaint received 2026-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Updated CFPB Master Complaint Narrative Part 1 : What Happened / Description of the Incident I am filing this complaint against an interconnected ecosystem of financial institutions, cryptocurrency platforms, technology providers, and telecommunications networks, specifically naming : XXXX ( including XXXX ID XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( and XXXX XXXX ), XXXX, XXXX XXXX, USAA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( specifically XXXXXXXX XXXX XXXX XXXX ), alongside transaction XXXX tracking systems including XXXX. My XXXX consumer financial data, local storage infrastructure, cloud profiles, and primary internet access points have been severely compromised. This integrated network failure directly blocks my ability to securely manage, transact, or protect my assets across multiple financial networks, impacting holdings in XXXX ( XXXX ), XXXX, XXXX ( XXXX ), and other digital currencies. A forensic audit of my local machine and terminal session memory ( history 1 ) reveals severe software-level interference. My terminal history log file has been actively corrupted or structurally injected with compressed runtime XXXX source code from cryptocurrency desktop client components ( XXXX ). Simultaneously, my computers standard web-browsing software, security mechanisms, and update pipelines were rendered completely unusable or intentionally suppressed. This has effectively locked me out of the secure digital portals required to manage my traditional bank accounts, cloud storage configurations, and cryptocurrency wallets. Part 2 : Detailed Technical Evidence & Reproduction Steps A review of the system terminal logs confirms the exact sequence used to uncover and document this cross-platform compromise : Terminal Profile Overwrite / Data Injection : Running an unrestricted execution of local system history ( history 1 ) revealed that lines 138 do not contain user terminal strings. Instead, they contain compiled, minified production rendering code, XXXX distribution bundles, and XXXX language interface variables XXXX XXXX XXXX XXXX XXXX XXXX XXXX explicitly tied to XXXX Live Desktop source maps : Evidence Source Line 34 : // # XXXX Evidence Source Line 37 : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Volume Analysis : Local system data structures were split across duplicate storage paths ( /Volumes/good disk and /Volumes/good disk - Data ), masking the presence of unauthorized background scripts interacting with financial pathways linked to my XXXX ID and XXXX XXXX accounts. Elevated Discovery : Using administrative overrides ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I uncovered deep system files linked to an unauthorized XXXX gambling container application ( .XXXX ) and historical cryptographic PGP signature keys ( .asc ) for XXXX XXXX buried inside local Mail archives. Evidence Path A ( Casino/Financial Script ) : XXXX XXXX XXXX XXXX XXXX ( Hidden Wallet Keys ) : Hidden XXXX files located in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Browser Suppression & Update Failures : Standard operating system browser utilities ( open XXXX XXXX XXXX ) completely failed to connect or update securely. This localized blockage prevented me from reaching web dashboards for traditional entities ( XXXX XXXX XXXX, USAA, XXXX, XXXX XXXX, processing services ( XXXX, XXXX, XXXX, XXXX ), and my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ). Emergency Technical Workarounds : To bypass this application suppression, I was forced to use terminal package managers ( brew install w3m ) to install alternative command-line browsers, and manually spoof modern system identities ( -useragent=... ) just to establish a baseline connection to the web. Part 3 : Consumer Harm & Impact This combined exploit has caused severe consumer harm by creating a hostile local and cloud environment where standard browser updates are actively blocked, and software execution logs are being silently rewritten by local cryptocurrency client dependencies. By suppressing my web tools, modifying my shell profile logs with source code chunks, and hiding cryptographic financial scripts in casino game folders, this issue directly restricts my ability to safely monitor my funds, contact these specific financial institutions, or defend my digital wallets against unauthorized access. The massive surface area of this compromise spans traditional banking XXXX XXXX XXXX XXXX, USAA, XXXX, XXXX XXXX, cloud identity XXXX ( XXXX ID, XXXX XXXX ), digital payment/XXXX rails ( XXXX, XXXX, XXXX, XXXX ), and major cryptocurrency infrastructures ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), leaving my entire financial profile exposed and unmanageable. Updated Desired Resolution / Requested Relief To resolve this issue and protect my consumer financial profiles, I request the following immediate remedies from the named institutions and relevant regulatory bodies : Comprehensive Security Audit : I demand that the tech providers ( XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX conduct a deep-level security audit of my accounts, cloud environments, and connected device IDs to identify how unauthorized scripts and restricted system paths bypassed normal operating system protections. Account Protection and Validation : I request that all named banking entities ( USAA, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX by XXXX XXXX ) and payment processors ( XXXX, XXXX, XXXX, XXXX ) run a full forensic review of my transaction histories to verify that no unauthorized asset transfers, API connections, or profile modifications have occurred during this browser blockage window. XXXX XXXX and XXXX XXXX XXXX : I request that XXXX investigate why raw client rendering assets ( XXXX ) are writing chunks into local user shell history files. I request that all custodial platforms, exchange services, and wallet infrastructures ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) review my ledger connections, instant swap paths, and public address routes to ensure no cryptographic signatures, private keys, or funds were compromised by the background elements discovered on my system. Restoration of Secure Access : I require assistance in restoring a clean, uncompromised web portal pathway so I am no longer forced to use extreme terminal-based workarounds ( XXXX / browser spoofing ) to access my online banking and investment accounts safely.

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