I opened a checking account with USAA to which I set up direct biweekly deposits in the amount of {$100.00} each. My wife was a joint account holder on the account. This account served as a " sinking fund '' into which I put money aside ; there were no withdrawals, and so I did check the account balance until I was sure that a few direct deposits had been made. When I checked the balance, I discovered XXXX withdrawals totaling {$170.00} which I had not made. I knew that my wife, the joint account holder had not made these withdrawals. USAA 's customer service rep told me the funds had been withdrawn by the bank itself ( i.e. " set off '' ) pertaining to an account held by my wife PRIOR to our marriage. Thus, USAA wrongfully set off the funds for a debt that was not legally mine because that debt arose prior to my marriage and can not legally be attached to me. Further, I do not live in a community property state. 
