Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
( XXXX ) On or about XX/XX/year>, I attempted to complete a time-sensitive rent payment using my debit card linked to a checking account administered under fiduciary authority. The transaction was repeatedly declined at the U.S. Postal Service and ATMs, despite the presence of sufficient funds. I immediately contacted USAA.

( 2 ) A representative confirmed that no fraud report existed, and no complaint had been filed yet my card had been unilaterally blocked due to suspicious activity, supposedly triggered by the absence of a phone number and location tracking. No lawful notice or disclosure was given beforehand. 

( XXXX ) On XX/XX/year>, I attempted to deposit a state-issued Massachusetts tax refund of {$1200.00}. The app stated funds available immediately. However, USAA quickly reclassified the deposit as on hold and seized or withdrew the funds without my consent, without legal process, and without fiduciary notice. The only explanation offered was that the deposit exceeded a {$1000.00} limit, which had never been disclosed, contractually agreed upon, or historically applied. 

( XXXX ) From XX/XX/XXXX through XX/XX/XXXX, USAA has engaged in a pattern of obstruction, including : Refusing to acknowledge lawful fiduciary documentation, Enforcing coercive conditions such as surveillance-based mobile access, phone registration, and behavioral tracking, Failing to respond substantively to multiple requests for legal authority, fiduciary classification, or remedy. 

( XXXX ) As a combat-designated Veteran, I consider these actions more than administrative mishaps they constitute a systematic and deliberate campaign of financial aggression, executed in retaliation for asserting : My natural and fiduciary rights, My spiritual and bodily autonomy, And my lawful rejection of surveillance-based classification. 

( XXXX ) Since early XXXX, I have objected to USAAs sharing of personal data with entities like XXXX without lawful consent. In response, Ive faced escalating restrictions : ATM blocks, arbitrary denials, deliberate mischaracterizations, and deceptive internal narratives. This is not the behavior of a member-focused financial institution. It is economic oppression under the color of fraud protection a practice that violates federal standards and basic decency toward those who served this nation. 

( XXXX ) USAA does not own my body, decisions, or estate. If it believes otherwise, it is welcome to state such claim on the public record. Otherwise, all presumptions of control must immediately cease.

( 8 ) This matter reflects constructive fraud, commercial dishonor, targeted financial discrimination, and provocative psychological aggression against a protected class a veteran asserting lawful self-governance.

( 9 ) If this is not remedied, it sends a dangerous message : that financial institutions can punish lawful men, including veterans, for peacefully asserting their rights until they break. That is not how a civilized republic functions.

( 10 ) I am still peaceful. I have followed every lawful and administrative process. But if oversight does not intervene now, others in my position less restrained, more vulnerable may suffer consequences that can not be reversed.This is not merely a banking error. This is a call for immediate review, oversight, and full remedy.

( 10.1 ) EVIDENCE : Supporting call logs and multiple affidavits of truth are available upon request or as required for evidentiary review. I have withheld them from this initial submission in good faith, to avoid burdening the recipient with excess documentation unless deemed necessary for resolution.

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