I had USAA for my checking account last year and reported a debit card lost/stolen in June 2019 via the phone system. In late July 2019, prior to leaving for Montreal, I noticed that I still had no received a new debit card. During this time, I was overseas and was home for a short time prior to leaving for Montreal. I called USAA again and was told that a new debit card wasn't ordered and the old wasn't closed down. This time they closed the old debit card & opened a new one. I also instituted a fraud claim; however, I learned several days later that the fraud case wasn't opened. Originally, USAA gave me the money back as provisional credit which they are required todo under Reg E. After several days, they took the provisional credit back and stated fraud didn't happen. Phone conversations took place with the fraud rep and I instated that I didn't make any of the charges and wanted my money back. I offered to obtain a police report and they said they don't accept them. When I asked why they were denying my claim, they said that "account was being monitored" and a deposit was made. I explained that I was out of country and my brother (whom has since passed away) made a deposit in the account for me. In September 2019, USAA closed the account and charged off the balance owed. I still disputed this whole thing with them, and tried to get them to reverse their decision. I've filed 2 complaints with the CFPB over USAA and how I didn't make those charges. A few weeks ago, I was notified that USAA sent my account to collections agency for payment. I'm looking for some assistance here. I've out $1100 bucks, if not more due to fees being charged from USSA. I was going to reach out those the contacts for USAA listed on this site, but wasn't sure if I should at this point. All I do is want my money back and the account removed from collections.