On 9-30-2011 I wrote a check to my landlord in the amount of $1050.00 on check number 795. When presented to the bank on 10-7-2011 there were insufficient funds and on 10-13-2011 I was charged $29.00 as an NSF charge and, according to my bank statement dated 11-10-2011, the item was returned. I took care of this with my landlord by giving him cash to rectify the situation.
However, unknown to me, until yesterday, 4-10-2012, which is approximately 7 months later, $1050.00 was taken out of my account by USAA and which created a negative balance in my account.
I proceeded to contact the bank to discuss this and found out, and which was admitted by USAA, that they misread the account number on my check number 795 and took the money from another members account and deposited it into my landlords account. So, in essence my landlord was paid twice. In order for the bank to rectify their error, they replaced the money taken from the other members account and then put what is claimed as a hold on the situation.
At no time was I ever notified that this had transpired with the other member or that there was a hold on anything. All I ever knew was that the check I wrote was NSF, returned and I was charged an NSF fee of $29.00. I have electronic copies of both my bank statement dated 11-10-2011 and check number 795 attesting to this.
Even though I acknowledge that the check I wrote did bounce, I took steps to rectify it with my landlord and gave him $1050.00 in cash to cover the check. I thought the matter was closed. However, 7 months later, without any notice whatsoever, my account was dunned $1050.00 for an error that was made by USAA, not me, yet Im being forced to pay for this error that USAA created.
As a resolution to this, I would like to have my money returned to my account as I do not feel it is my responsibility to take care of USAAs mistakes and that this problem was solely the responsibility of USAA to rectify and not me.
In addition, all four times that I tried to get this straightened out with USAA, the customer service people in the resolution department were extremely rude and one in particular by the name of Amanda insulted me on a personal level. I have enjoyed banking with USAA, but am very disappointed that I have been treated this way and feel it should be righted by USAA.
Oh, and by the way, on top of all of this, USAA admitted that they do not know what became of the check and there are no records of where it went. In addition, I tried to put a stop payment on this and was charged $29.00 and no stop payment was issued adding insult to injury.