USAA BANK SAN ANTONIO TEXAS Bunch of Liars and and thieves San Antonio Texas

I am surprised that you didn't just stop at those, as I can see many more. But here is the funny thing about those reports, NONE of them apply to your situation.

I really don't know why I am trying so hard to try and help someone who obviously doesn't want help. Perhaps it just to see what else will come out of your thoughts. After all practically beg you to go to an attorney and you turn around and post a few other "Reports".

I am sincerly interested in how much this CD was worth, and for that matter how much debt you actually "paid off" before filing BK. But since you basically took a huge sidestep around any serious answers going off on posting OTHER people's issues I don't actually ever expect you to answer it. Which pretty much tells me that the CD and debt you paid off was probably a significant amount, most likely close to if not over what you are trying to get included in your BK.

Anyways, I do hope you come back and update us after your hearing(and any other hearing that comes from that).

Must be a great place the universe you live in where you are the most knowlegeble always right, know it all and never do anything wrong; what a place!!

But it figures you would say "Regardless of what you "think" should happen nothing you have posted here shows they did anything wrong". Ethics must not be your cup of tea; it's okay to lie to people in your universe.

Read on Mister; I now understand why you would think there is nothing wrong with lying to people; YOU COME FROM A DIFFERENT UNIVERSE, where you are always right and there is no wrong doing by USAA Bank. But lets explore some other reviews by USAA Bank customers, I know you would think that there is nothing wrong with what they do and did; but just for kicks here are some excerpts from USAA Bank customers.

Report: #1313293 Reported By: Morgan; USAA Bank Fraud of bait and switch San Antonio Texas

Report: #1173210 Reported By: USAABAD; USAA is a customer Service night mare. I made a $1,400.00 credit card payment from my USAA checking account to my USAA Credit Card. They debited my USAA Checking account the $1,400.00, but have a 7 day hold on the funds being available on my Credit card. ...... we understand and can see the money posted to your USAA credit card and came out of your USAA checking acount, but will not release the hold. WHY?

Report: #308500 Reported By: — New York New York; In the past few years they have lost the plot entirely and have become even worse than the average American bank in terms of service, fees, ethical treatment of customers and reliability. 

#1 UPDATE EX-employee responds; I've read many comments about people unhappy with USAA Insurance and Bank. USAA is currently under investigation for its banking reserves due to maturing CDs. With leaving customers, maturing CDs and falling capital reserves, USAA will be hit hard with legal actions and regulation violations.                                                                                                                                      #2 Consumer Comment; AUTHOR: Bmwangel96 - (U.S.A.) Over the last year they have completely spiraled down to the WORST customer service possible. I have closed all accounts and will NEVER go back.                                                                                                 Report: #446051 Reported By: — Brownstown Michigan MY Checking account was overdrawn , 2450.00$ from an individual at USAA BAnk in San Antonio. I live in Michigan. So this bank doesnt askk to see a card or Id to give out money!!!!! When I found this site I could not believe other people are having problems with them too!!!
A BUNCH OF CROOKS!!!

Well Mister you see I am not the only one complaining about USAA Bank; I'd love to go on but I really should do some work, after all you have proven to be a real gem. Hope you having nice weather in your universe.

You are filing BK over $1600...That is One Thousand Six Hundred dollars.  I wonder how much this CD was worth as I bet that would then explain a lot more to this story.   If the CD was worth anything near the $1600 or worse more than the $1600, you can kiss that money good-bye and just pray that you don't end up in front of a judge as a defendent in a BK fraud case.

Regardless of that you are willing to screw your credit up for several years, over a net "gain" in BK of about $1200 after the filing and other fees. You obviously don't have an attorney as it would cost you more to retain one than you are trying to include in your BK.

As as I said before you have no idea what you're talking about no one would commit fraud for $1600.
- Really? To a Trustee they don't care if you are filling for $1600 or 16 Million, they treat every case the same and are not going to give someone a "pass" on something just because of the amount. But in your continued posts, it is possible that you may not intentionally be comitting fraud, it may be more of a case of you being under some false impressions. However, to the Trustee they don't really care..fraud is fraud. Intentional or not.

Let's make things simple for you simple minded people. Let's just assume that you are correct on everything you say;
- Why assume? You don't seem to get it. I don't want you to assume anything I tell you. I encourage you to VERIFY what I have stated by talking to an attorney.  Of course now that we know the amount, we know why you haven't done that. As it would actually cost you more to get legal advice than you are trying to claim BK on.

But back to your "ripoff". It is very possible that the initial information you got from USAA was correct, as they may not have known about your BK yet. However, at some point in this process they found out about your BK and therefore followed the procedure to send the funds to the trustee. Regardless of what you "think" should happen nothing you have posted here shows they did anything wrong.

Who would be stupid enough to commit fraud for $1600 that's all we're talking about $1600 in chapter 13 bankruptcy it would mean only $26.67 payments for 60 months or about $45 for 36 months as I said before you have no idea what you're talking about no one would commit fraud for $1600, maybe you?!

Let's make things simple for you simple minded people. Let's just assume that you are correct on everything you say; The honorable thing for USAA bank personnel to do was just tell me the truth from the beginning; unfortunately the personnel at USAA bank whom I spoke to don't know what "honorable" means I was lied to every time I called, I called three times I was on hold 20-40 minutes everytime I was transferred from one person to another everytime I called I must have spoken 6 or more people and all I got is lies from everyone I spoke to; I would not come to "rippoff report" to print my discontent if I was told the truth even the second time I called but no, all I got from USAA Bank personnel is dishonesty I was told it will take 15 days to cash in the CD only come to find out that the check was mailed to the trustee 5 days later, the second time I called I was told that it will take 2 weeks to mail the check to me only to find out that the check was already mailed,  I can't believe that ignorance was at play here this is outright malicious by the bank employees and you have the nerve to accuse me of fraud? How about train the bank personnel not to lie Shame on USAA bank personnel maybe it's time to retrain the staff to have morals. I do however commend the employee that I spoke to last time I called she was the only one that actually checked and told me the truth.

The credit card/s were all paid off you have no idea what are you talking about.
- Yes and the trustee is going to want to know HOW they were paid including the source of the funds.

How do you know that I didn't let the trustee know about all my assets
- Here is how we know.  Had you informed the Trustee and everything is as you claim the Trustee would have released the funds to you.  But since you are here trying to claim a "ripoff" we know that didn't happen. It is unlikely you even have an attorney, as again if you did you would be dealing with them.

Besides that CD is my money and does not belong to anyone but me
- BUZZ wrong answer..thanks for playing. Yhis is reason number two how we know you didn't tell them..because you "think" it is your money.  The fact is in a BK filing you are required per FEDERAL BANKRUPTCY LAWS to disclose all of your assets and debts. It doesn't matter if you think they belong to you or not..they MUST be declared. It is then up to the Trustee to decide how your assets are dispursed.

USAA has no authorityor obligation to send my money to anyone but myself.
- Perhaps you should go read up on the Bankruptcy laws again.

From what are you saying they should take all my monies deposited with them and send it to the trustee,
- Yes, Possibly 

It is unlikely you have had your Meeting of Creditors(341 hearing) yet. But if you did and this CD became known after the fact the Trustee isn't going to be too happy.  If you haven't had your hearing yet, when you go you better have a better justfication for that CD than "It's my money".

You seem to think you know it all and this is just a game.  BK is a VERY seriouse matter and the Government does not take too kindly to people who think they are entitled to things they are not. If you only get one thing out of this, get this...GET AN ATTORNEY give them a full rundown of what you have done, what you did and did not declare and let them advise you of the next step.  In the end it may be determined that the CD is your money, but the fact that you have not decalred it and seem to be doing some "funny finances" based on a false belief isn't going to help you.

Going back to your original post.  There are no "Personal" reasons in filing BK the reasons are financial.  You don't file BK because you just don't feel like paying some bills.  You file BK because you CAN'T pay the bills.

As I said..Good Luck.

No one is skirting any system you feeble minded person!!! The credit card/s were all paid off you have no idea what are you talking about. How do you know that I didn't let the trustee know about all my assets. Besides that CD isd my money and does not belong to anyone but me. USAA has no authorityor obligation to send my money to anyone but myself.  From what are you saying they should take all my monies deposited with them and send it to the trustee, you idiot!!!

For all practical purposes you have just admitted on a Public Web Site your intent to commit Bankruptcy Fraud. When you declare Bankruptcy you are saying you can't pay your bills and need legal "relief". There is ZERO valid reasons for you to then pay off a Credit Card, especially one that is secured, then try and get the funds from the CD deposited into your account.  That is unless you are trying to skirt the system.

All of your debts and assets MUST be declared in your filing, this includes all of your bank accounts as well as the CD. Failing to provide truthful records is grounds to not only have your BK dismissed, but FEDERAL charges filled against you for Fraud.

If you tried the "well let me pay it off" before I have to report it, realize that the trustees can and often will require you to provide financial records for a period of time up until your filing. This is to make sure you did nothing "funny", such as paying off accounts when you say you have no money.

You can not give preference to one creditor over another, that is the job of the trustee to decide the distribution of any assets. The trustee actually has the legal right to require the bank to return the funds from the payment you made and distribute it to other creditors, and still seize your CD.

The bank did what they were legally required to do, send the CD to the Trustee because of the bankruptcy filing. By the way I am sure when the Trustee sees this they will have questions for you which may be one reason you are upset. But if you still think the bank was wrong, why not talk to your attorney or the trustee directly and tell them what you did and why you think you should get the money. Let us know what they say.

Good Luck, it sounds like you are going to need it.

 The money is an asset and must be declared in a BK. The bank did what they were legally required to do. Looks like you were trying to hide an asset and you got caught. That's FRAUD!