Cultural problems do exist at USAA. But it's at the top echelons of the company...and it's not because employees were allowed to WFH. I'll let these articles speak for themselves.
https://www.complianceweek.com/regulatory-enforcement/a-look-inside-usaas-catastrophically-mismanaged-compliance-culture/31643.article
https://www.complianceweek.com/regulatory-enforcement/whistleblower-usaa-actively-lying-to-regulators-for-years-regarding-violations-of-law/31642.article
https://www.complianceweek.com/opinion/usaa-whistleblowers-want-to-be-heard-and-now/31791.article