Consumer complaint received 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
I am the primary on a checking account with USAA, my daughter is the secondary. This incident occurred on XX/XX/XXXX, when I realized my account was charged {$9000.00}. She, XXXX XXXX XXXX, has some serious mental health issues and I kept her on my account to help her with her finances. My daughter met someone online in XXXX of 2022 that said they would be her friend and companion. She thought they meant well. She got to know them online and they wanted to help her out financially. This is a summary of the police report she filed, " They said they could send me money via a check. I was very excited about this because being as broke as I was and still am I thought this was my answered prayer. So I receive the check via email and In my head it seemed professional and legitimate but looking back it was not. When I am XXXX  XXXX I do not make rational decisions that normal people would make. For example the looking back the check had a female name on it!!! When you are XXXX  you do not pay attention to certain important things. Plus XXXX  and being stressed about where I'm going to live in 2 weeks because my lease ends soon. ( Also I am still XXXX  at the moment because I cant believe what has happened ) I was in a desperate place and the moment I saw XXXX all doubts left my mind and I cashed the check. After they send the check and It was in my account I thought I was soo blessed and lucky. I am very delusional at times and have very unrealistic thoughts dreams and ideas in my head. I'm XXXX  and also XXXX  XXXX  XXXX. I've been diagnosed by a doctor for both of these XXXX XXXX XXXX. Anyways in my disillusioned alternate reality, I really thought this was my lucky day. After the check was deposited my " friend '' explained that because this was the only kind of check he had at the moment he would need me to send some of it back to him. This is when the situation should have been a huge red flag for me but I'm extremely gullible and see the good in people. He was soo loving and nice and gained my trust. I also felt a responsibility to make sure he trusted me and he said he was trying to see my character and I needed to gain his trust by sending check. I suppose the XXXX dollars put blinders on my logical thinking because I cashed the 2nd and final check for this person. I thought I was receiving {$1000.00} from him and then the story changes to me having to send {$1600.00} of it back. I felt pressure and I did not have the knowledge I have now that this is fraudulent activity. I then get a notification that my account has been locked. This is when USAA lets me know that not only has my account been closed but that I had deposited fraudulent checks. To make things worse they tell me that my account has a negative balance of {$8000.00} dollars. This has been traumatizing and I'm scared, not sleeping well, and more broke than ever before.. '' I had my credit card covering the checking account in case there was an overdraft fee. So, USAA ended up charging my credit card account {$9000.00}. Instead of my daughter, XXXX being responsible for her bad judgement, I was charged {$9000.00} on an interest-bearing credit card. I tried to work with USAA explaining the fraudulent behavior but all they cared about was getting their money and they have it due to the credit card. My fraudulent claim was dismissed by USAA. Is there anything I can do? My daughter filed a complaint and it is attached. USAA has froze my checking account and I stated since my daughter initially reported the fraud, they will only talk with her about my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation