Money transfer, virtual currency, or money service -- Fraud or scam -- Complaint #18971159
Complaint Overview
Complaint ID: 18971159
Company: United Services Automobile Association
Product: Money transfer, virtual currency, or money service
Sub-Product: Domestic (US) money transfer
Issue: Fraud or scam
State: Florida
ZIP Code: 33023
Date Received: 2026-01-23T12:00:00-05:00
Date Sent to Company: 2026-01-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am the victim of a major violation of Regulation XXXX and XXXX Operating Rules involving my mortgage servicer and an external bank. Between XX/XX/XXXX, and XX/XX/XXXX, the external bank processed fraudulent " Unauthorized '' ( XXXX ) ACH disputes for approximately XXXX mortgage payments dating back to XX/XX/XXXX. These reversals totaled over {$20000.00} and caused my mortgage to go into immediate default. This action violates federal banking regulations for three reasons : Violation of the 60-Day Dispute Window : The originating bank allowed the payor to reverse payments made as far back as 18 months ago. Under Regulation E and NACHA rules, a consumer generally has a maximum of 60 days from the statement date to dispute a transaction as unauthorized. Reversing 18 months of payments is a compliance failure. Proof of Authorization ( Phone Logs ) : My mortgage servicer 's own investigation confirmed that these payments were initiated via telephone using the payor 's known personal cell phone number and her mother 's phone number. It is impossible for these payments to be " unauthorized '' when they were dialed in from the accountholder 's personal device. Theft of Services : The payor was the sole occupant of the property during the entire period of these payments, as confirmed by a Court Order for Contempt. She utilized the housing services she paid for. These reversals were initiated only days after the payor was evicted and removed from the property title by a court judge, proving this is a retaliatory abuse of the banking dispute system.
Frequently Asked Questions
What is Complaint #18971159 about?
Complaint #18971159 was filed against United Services Automobile Association regarding Money transfer, virtual currency, or money service specifically about Fraud or scam. It was received by the CFPB on 2026-01-23T12:00:00-05:00.
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 (Money transfer, virtual currency, or money service) 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.