Checking or savings account -- Managing an account -- Complaint #18108349
Complaint Overview
Complaint ID: 18108349
Company: United Services Automobile Association
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: Arizona
ZIP Code: 85392
Date Received: 2025-12-02T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
For roughly four months from XX/XX/XXXX, I have been in a constant cycle with USAAs fraud activity and security teams regarding disputes and unauthorized transactions involving my savings and checking accounts from losing {$10000.00} out of savings. During this time, I have repeatedly provided documents, evidence, and any information they requested to help resolve the situation. Despite many phone calls and assurances that certain actions would be taken, I often later discovered times that nothing had been done, requiring me to resubmit information and start the process over again. After months of waiting, I was informed that my temporary credit would be reversed because they claimed no suspicious activity was found, even though there were clearly unusual patterns of withdrawals made from my account. Throughout this process, I also received an overwhelming amount of hand paper mail from USAA of disputes and temporary credits, adding to the stress. Most recently, after everything I have gone through and all the evidence I have provided, Some time on XX/XX/XXXX I was emailed that my account had suspicious activity causing me to go in a complete panic just for them to say the security team wanted me to change the password to my account making me very angry that they used that way to get my attention after all the stress of my account. Only two days later on the XX/XX/XXXX Unaware to find out that USAA froze my account, unaware why just for them to tell me that I am considered a high-risk customer and that they will no longer provide banking services to me. This has been extremely discouraging and frustrating, especially considering I have been a member for five years, beginning with my first job and saving every dollar I could. It is difficult to understand how, after years of responsible membership and a situation I did not cause, I could be labeled high-risk despite clear evidence that something was not right with my accounts.
Frequently Asked Questions
What is Complaint #18108349 about?
Complaint #18108349 was filed against United Services Automobile Association regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-12-02T12:00:00-05:00.
How did United Services Automobile Association respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against United Services Automobile Association?
Yes, visit the United Services Automobile Association company profile at readthecomplaint.com/company/united-services-automobile-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.