Your statement isn't very clear as to exactly what happened but it appears you wanted to put a stop payment on a check and the representative in insurance did not do that. The responsibility of putting a stop payment is yours. Someone in the insurance department is not able to do bank processes (in most, if not all cases). They are two different "companies" even though they say USAA on both. Federal laws have restrictions. Checks, for the last 40 years or so are automatically processed by machine. The machine does not read dates so people who post date a check thinking someone won't pay it until that day end up getting messed up. If the check is presented, it gets processed. If there was a stop payment placed by you, you should have a receipt for that stop payment that you can present to the bank to have any fees by the bank (not the insurance company) reversed.