Checking or savings account -- Closing an account -- Complaint #7472226

Complaint Overview

Complaint ID: 7472226

Company: United Services Automobile Association

Product: Checking or savings account

Sub-Product: Checking account

Issue: Closing an account

Sub-Issue: Funds not received from closed account

State: Washington

ZIP Code: 98105

Date Received: 2023-08-29T12:00:00-05:00

Date Sent to Company: 2023-08-29T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

On XX/XX/XXXX received a letter stating that my account was being closed due having an overdrawn amount for an extended amount of time. Also in that letter stating, " Now that the account is closed, you may not reopen it. All services tied to it will also be closed or canceled. This could include your debit card, funds transfers, bill payments and overdraft protection. If this account is used to protect another account from overdrafts, be sure to set up a new account for protection. Outstanding checks and other transactions that come in after the account is closed will generally be returned unpaid. We may reopen the account to accept a debit or credit and will notify you if we are required to reopen your account to accept such a transaction. '' ( My account was overdrawn due to fraudulent activity on my account which I am still disputing with the bank. I filed an appeal and called in several times seeking information on how the bank came to their decision against my dispute ) I received a refund deposit into that checking account on XX/XX/XXXX for {$780.00} which the bank did not send to me. On XX/XX/XXXX and XX/XX/XXXX I received two more deposits which went to my closed account which the bank refused to send to me, instead they reopened that account and deposited them into the checking account to cover the fees on the account. I did not authorize the bank to do this, instead I requested the deposits to be sent to me. Seeing the fact that I had fraud on my account which caused it to be overdrawn with fees and closed I don't believe that I should have to endure losing money while the fraud is still in dispute. If the bank account is closed and there is a balance owing, and just like any other creditor, I should be able to control where my money goes. The funds that I have lost thru these deposits has made a signifiant impact on my life. I am on SSXXXXI as my main source of income. I do not have job or regular source of income. At the time of this happening I was on unemployment. The deposit that came in were to help pay for my basic needs to survive. Recently a bank representative reached out to me with the title of Bank Advisor stating they work close with the CEO 's office and they were going to look into my account. It's been almost a year since this account has been closed and there is no reason that any of this should be happening. I intend to reach out to the FBI to provide them with the proof the bank was unwilling to take from me showing communication I had with the person whom scammed my account and any other agency I can in the hope that I will no longer be negatively affected by this seeing that I was the target of a scam and was victimized.

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Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

Related Pages

• United Services Automobile Association Company Profile
• Checking or savings account Complaints
• Closing an account Complaints
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