Actually her first mistake was using USAA bank.
How long have you used USAA in the past?
My neighbor was selling her golf cart, guy gave her a cashier's check for it. She deposited the check, it was, of course, fake. USAA suspended her account and froze her balances for 6 months. No bill pay, no deposits, nothing until a date 6 months out. Needless to say, she dumped the bank after about a week of the nonsense. They wouldn't budge.
The guy was supposed to send a truck, but apparently the truck broke down and by the time they eventually got there, the bank had called and told her it was fraud. She was supposed to pay the movers too out of the check so she had $500 for them. At least they didn't get the cart.