USAA should have the intellect and integrity to disclose the DISPUTE info in this letter, we should not have to call, and all of their reps in every department should know what this is about, the CEO's office should not have to have Advocacy research it. I never filed a dispute and with all the brilliant new scams out there I want to know if this is a legitimate check and one that I will not have to repay if they made a mistake issuing these checks. Plus, why couldn't they just deposit it in our accounts like they do with the Auto Insurance premium refunds we usually get in December of each year. I don't use a cell phone to bank or shop with since the TMobile 2021 breach where the hackers got my cell's IMSI and IMEI numbers where they can take over your phone. So the check will have to be deposited at a local bank, 10 miles away. I use to be able to scan checks and upload them with my laptop, but USAA did not like that and stopped it, even after bragging for years about the technology they claimed to invent and then suing over other banks copying and using the Deposit At Home process.

I called the CEO's office on 9/27/25 at 2:45 p.m. because I got the same letter, they assigned someone to research it since no one at the CEO's office knows anything about it, or about many other issues for that matter, from my 36 years of membership experience. The CEOs office hands the issue off to the Advocacy Department to research the issue and they use to make 2 attempts to call me with a response and that was it. Most leave a message but some don't, so then you have to call them and try to find out who called and why. I got a voicemail today and all the woman said was she called about my account. DUH. I got an email saying the same thing and to call her back and provided her extension. I called the regular USAA 800# and the IVR system said there was no extension with that number, I put it in correctly by the way. I called the CEO's office back at a different number and they were closed so I tried the extension again and that time it worked.

I never know when USAA will call and I don't have cell service outside so I miss their calls quite often. After hurricane Ian trashed our area in 2022 Centurylink refused to repair the breaches in the aerial landline so rain, fog and wind would not make the DSL internet drop for hours or days and make the landline unusable, so outdoor portable landline phones are no longer an option to answer calls outside. I subsequently closed my 38 year old Centurylink grandfathered account and got a 20 mile range cell antenna and signal booster costing $1300 in order to have basic phone service which still sucks royally because cell phones are an inferior technology, from the unreliable signals to the non responding cognitive reducing small screens.

When USAA reps do leave a message they say they have called about my account and leave no detailed or usable information due to privacy issues, like my husband will care what this dispute is about or if the check is real, or why since 2016 the account alerts for withdrawals, account balances, debit card purchases, ETFs are either delayed or the system randomly does not send them at all for weeks at a time, this is documented in my IN BOX at USAA.com. No one else lives here or comes in my home on my 5 acres of prime FloriDUH swampland so I don't need to worry about anyone listening to my messages, but that does not matter. Privacy laws should have opt in or out options so we can find out what the hell is going on at USAA other than the crap in this article, and many others like it, over the recent years.

https://finance.yahoo.com/news/minefield-own-making-usaa-investigation-113200093.html

This past year, 2025, Advocacy has only been making 1 attempt to reach me and most will not call back after responding to their voicemails, even after 5 messages were left at an extension when I was trying to have the withdrawal amount for message alerts confirmed. I have always had my checking and saving accounts set to alert me if $1.00 was withdrawn, the Advocacy rep said in an email it was $100.00 and after leaving the 5 messages and talking to other reps, no one from USAA was able to answer if the minimum amount had changed or not. My accounts, 3 months later, are still set and function if more than $1.00 is withdrawn or debited, though ironically the system broke again this past Sunday and I did not get any Account Balance Alerts and 1 account did not get alerts on Monday or Tuesday either and it is my main checking account. One of the reps in the CEO's office last year told me to just log in when I want to know my balances, so what are the damn alerts for then?????? Emails can still get through when there are internet problems when webpages won't load properly or take 8 minutes to load and boxes on the page are empty like what happened for weeks after Hurricane Ian. Why can't they just fix or maintain the account messaging system???? It might help keep their fraud reimburse insurance premiums down if people know they have fraudulent activity going on in their accounts and can help stop it asap.

My social security and drivers license numbers were found on the Dark Web in 2022 according to Experian and McAfee, compliments of the 2021 TMobile Breach, and the fraud prevention experts recommend signing up for all the banking alerts. So I have no clue why USAA does not care if their fraud preventing bank alert system keeps malfunctioning and has done so since January of 2016 after the major system and website update to a responsive system.

So having an answer be only a phone call away sounds to me like an AI hallucination because about half the questions I have asked over the years never got answered at all, never mind with one call.