She said: "My husband caught a possible fraudulent deposit going into our account and let USA's know."
Could have been an electronic deposit. Also might have shown up as a pending deposit. Sometimes pending deposits (like pending charges for credit cards) are used to verify the validity of a bank account before an actual deposit or withdrawal is made. I would have done the same thing by notifying my financial institution. There are so many ways to get to an account. All you need is a routing and account number.
I left USAA laergely because they have decided to drop the honor and integrity idea and devote their efforts to radical "social justice" and Black Lives Matter and, I suspect, maximizing profits at the expense of the members. Forgetting about their partisan activities, I just had an experience where they simply could not deposit a check written on my USAA account to another USAA account- initially the money just disappeared and then it took hours upon hours of "there's nothing we can do," "you didn't make out the check correctly," "you called the wrong department," and the like before it was resolved, this transpiring over weeks. What you are describing is, sady, not surprising with the new, hip USAA.
BTW- one of their new policies is to absolutely promise they'll be back in touch and that's the last you hear from them.
Reid - like you, I am disgusted with social virtue signalling. It's amazing how stupid CEO's can be. USAA exists to perform a service: insurance, banking, investing. *that*s all it should be doing. I'm shopping auto insurance now, and I've already started moving my banking.
SAME EXPERIENCE HERE. THEY CLOSED MY CHECKING ACCOUNT WITHOUT ANY NOTICE. NO PHONE CALL, NO EMAIL. I FILED A COMPLAINT WITH THE CFPB AND THEY CLAIM THEY HAD CONTACTED ME SEVERAL TIMES. I THINK YOU HAVE TO BE A GOOD LIAR TO WORK AT THE BANK.
I am furious with USSA as well. They just canceled my credit card because they did not have all of my husbands information. We previously tried to provide this info on at least three occasions by phone and several times on line. We could not accomplish on line due to their system, and on each occasion that we called they advised they didn't know how to complete the information and that we'd have to call back. On the last call I specifically asked what would happen if we could not get this taken care of and was told he would be removed from the line of credit, to which I responded that would be fine as he doesn't use this account. I come home today to a letter saying they've closed the account and now I have to change all of my direct payments. They said I could apply for a new credit card. No way. I've been a member for 48 years and this is how they treated us! Very disappointed