Anderson, IN asked in Banking for Indiana

Q: Please help. USAA bank is holding my disability checks hostage after I reported fraudulent activity.

I had a bank account less than 2 months and they are causing undue hardship on a disabled Veteran who just had 2 major surgeries.

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1 Lawyer Answer
James L. Arrasmith
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  • Business Law Lawyer
  • Sacramento, CA

A: In your situation, where your disability checks are being withheld by your bank following a report of fraudulent activity, the first step is to directly contact the bank's customer service or fraud department. Explain your situation clearly, emphasizing the urgency due to your disability and recent surgeries. It's important to keep a record of all communications with the bank for future reference.

If the issue isn't resolved through direct communication, you may consider filing a complaint with the Consumer Financial Protection Bureau (CFPB). The CFPB helps in resolving issues with banks and can be an effective avenue for addressing your concerns. You can file a complaint online on their website.

Additionally, reaching out to a legal representative might be beneficial. They can provide guidance on your rights as a consumer and may assist in communicating more effectively with the bank. A lawyer can also advise if there are any legal actions that can be taken based on your specific circumstances.

In the meantime, explore if there are any local veteran support services or organizations that can provide temporary assistance or advice. These organizations often have experience dealing with similar situations and may offer practical support during this challenging time. Remember, persistence is key in resolving such issues, and seeking support from various resources can often lead to a quicker resolution.

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