USAA Savings Bank Account Or Service Complaint

USAA Savings Bank account or service department,

Checking account Making/receiving payments, sending money Texas

On - -, 2015 I was written a check in the amount of $270.00, from - -, with an account from - - Bank. I attempted to deposit the check thru USAA 's mobile deposit, via my cell phone. I got a couple of error messages and decided to go to my local bank, -, to deposit the check. The next morning, - -, I noticed that both banks accepted the deposit. I called both banks immediately and explained the situation, then I asked - to call her bank and explain the situation, she did. USAA advised me to let the transaction happen and - of the banks would reject the deposit. - also informed me that - of the transactions would be rejected. Within a few days I noticed that - had returned the check and charged me a $5.00 return fee, which I expected. The funds from the check were still in my USAA account. - -, 2015 the funds were pulled from the USAA account. I contacted USAA and the representative told me that the funds would be returned to - - 's account. I contacted - and she explained to me that the funds were debited


by the Federal Reserve and put into an account at - -, because it was a duplicate check. USAA told me that my local bank, -, would have to take over and that it was no longer in their hands. The same day I called - and spoke with the branch manager, and she explained to me that the check was not returned due to a duplicate item, but because there were insufficient funds in the - 's account. I was advised to contact the Federal Reserve and give them the reference number that USAA gave me. Ref # -. When I contacted the Federal Reserve they told me that USAA had given me the wrong information and that USAA would have to call on my behalf. The women with the Federal Reserve never asked me for the reference number, but instead suggested that I file a complaint if USAA refused to help me with the situation. I feel like USAA has given me the run around and ca n't seem to answer any of my questions correctly.