Date Received: 2024-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: NOTICE OF RESCISSION/ DEMAND FOR COMPENSATION AND PERFORMANCE FORGED SECURITIES, SECURITIES FRAUD, CONSPIRACY, WIRE FRAUD Correspondence sent via Email and Registered Mail XXXX Day of XXXX XXXX XXXXXXXX XXXX @ XXXX XXXX XXXXXXXX XXXX XXXX XXXX. C/O CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX ) XXXX [ XXXX ] XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. C/O CFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia ( U.S. state ), [ XXXX ] XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX ) [ XXXX ] XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX XXXX ) XXXX XXXX ] XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, [ XXXX XXXX Attention : XXXX XXXX XXXX ( Treasurer ) XXXX XXXX XXXX XXXX ( Indenture Trustee ) C/O Vice President XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX New York [ XXXX ] Attention : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX C/O-Vice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois [ XXXX ] Attention : XXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX XXXXXXXX XXXX XXXX XXXX.-CUSTOMER # XXXX # XXXX & XXXX Account # XXXX Dear XXXX XXXXXXXX XXXX XXXXXXXX XXXX & XXXX and All others, I, XXXX, XXXX XXXX Original Creditor and Natural Living Woman , hereby rescind my consent to be liable or compelled to perform regarding the contract agreement ( XXXX XXXX ) [ 1 ] that was entered with XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. I allegedly entered into a contract agreement with XXXX XXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX , and its affiliate ( s ) /partner ( s ) without the following : Full disclosure of my right to rescind [ 1 ] Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; [ 2 ] As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ) [ 3 ]. I have reason to believe that XXXX XXXX XXXX XXXXXXXX XXXX Hyundai Capital America , XXXX , and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally, and with malice took advantage of my consumer credit by unjust enrichment. I. Full disclosure of my right to rescind2 II. Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; 3 III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ) 4. I have reason to believe that XXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally and with malice took advantage of my consumer credit by unjust enrichment. After thoroughly reviewing all documents in my possession and having a certified a forensic audit conducted, I have found several abusive, oppressive, deceptive, misleading, defamatory, and unconscionable violations. XXXX XXXX XXXX XXXXXXXX XXXX Hyundai Capital America , and its affiliate ( s ) /partner ( s ), in conjunction with XXXX, my commercial financial institution, has lied, cheated, and stolen from me. It appears that XXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX and its affiliate ( s ) /partner ( s ) are engaging in FRAUD5 by way of forgery,6 identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, computer fraud, terrorism, human trafficking, extortion, fraud in the execution, conspiracy with the intent to defraud, Securities fraud7 Racketeering, amongst other white-collar crimes. I did NOT, or do NOT ratify, any unauthorized acts by XXXX XXXX XXXX XXXX XXXX broker/transfer agents, nor have I accepted any benefit from its unauthorized acts. Moreover, I choose not to do business with you and your partner ( s ) /affiliate ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY!! YOU are to cease further communication with me regarding the collection of such alleged debt regarding forged security. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( EBA ), The Securities Exchange Act ( SEA ) of 1933 and 1934, the Foreign Corrupt Practices Act ( FCPA ) ; The Bank Secrecy Act ( BSA ), The Indenture Trustee Act ( TIA ), the Consumer Financial Protection Act ( CFPA ), the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Debt Collection Practices Act ( FDCPA ), the Federal Trade Commission ( FTC ) Act ; the Equal Credit Opportunity Act ( ECOA ) ; the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ; the Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 ; the Truth-in-Lending Act ( TILA ) ; the Federal Reserve Boards Regulations B and Z ( FRA ) ; the Gramm-Leach-Bliley Act ( GLBA ) ; the Fair Credit Extension Uniformity Act ( FCEUA ), the Racketeering influenced and corrupt Organizations Act 18 section 1962 ( hereinafter referred to as XXXX ) ; the Magnuson-Moss Warranty Act ( MMWWA ), the Uniform Commercial Code ( UCC ), state adaptations of the XXXX XXXX XXXX XXXX ( XXXX ), state motor vehicle retail installment sale and loan Acts, state servicing laws ; state insurance laws, and other state and federal violations. Now know that XXXX, XXXX, XXXX, have revoked, rescinded, annulled, and made void, and by these presents revoke, countermand, annul, and make void the said letter of agency/attorney and all power and authority given or intended to be given to the said XXXX XXXX XXXX XXXX XXXX XXXX and it affiliate partners . Therefore, I also revoke, cancel, and make void ab initio all powers of attorney and substitution, in fact, in presumption, or otherwise, signed by either me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney, and substitution pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. Who are you, and under what authority did you, or do you continue to contact me? The fraudulent agreement under which you presume some power is only implied by a simple contract. Again, any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Under your debt scheme, whereas on XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, Hyundai Capital America, Hyundai XXXX XXXX, XXXX XXXX XXXX, Hyundai Auto Receivables Trust 2023-B, Hyundai Capital America , Does 5-100 Inclusive and XXXX engaged in a a scheme whereby they issued Auto Loans to consumers and then sought to collect the amounts allegedly due to them that were not legally nor lawfully due/owed to them. At all times relevant hereto, XXXXXXXX XXXX XXXXXXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as " the securitization '' ) scheme. In order to earn securitization income from the Auto Loan securitization, XXXX of XXXX sold its Auto Loan receivables to the Hyundai Auto Receivables Trust XXXX-B. The Auto Loan securitization process is set forth in the amended and restated Pooling and Servicing Agreement ( PSA ) between XXXXXXXX XXXX XXXXXXXX, as seller, and the Hyundai Auto Receivables Trust 2023-B- trustee. A copy of the relevant portions of the PSA is attached hereto, incorporated herein, and marked as EXHIBIT " A. '' Please note that I did not grant special authority or express agreement to XXXX XXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) to hypothecate my consumer goods/property ( merchandise title ) and intellectual property to collateralize investments on any future or forward markets or the right to sell on commercial paper.8 In addition, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Manager, General Manager , and Sales Manager stated that an illegal and unlawful down payment of {$2800.00} was required to drive off the car lot. However, the information provided was false and deceptive, violating 17 CFR 240.14c-6 : False or misleading representations.9 Moreover, you are under obligation to pay for goods and/or services ( securities/assets ) that you have fraudulently acquired on an open account from XXXX, XXXX, the Natural Living Woman consumer credit, the producer of the economic value for the transaction, and the supplier of the goods for exchange/trade. You have undeniably committed fraud through misrepresentation and forgery of a registered security in your debt scheme under XXXX secured financing after purchasing my asset under the credit transaction and restating your accounts payable liability arising out of the loan contract, having purchased my security as a fictional customer deposit, which is your current liability owed to XXXX, XXXX, the Natural Living Woman in your balance sheet. The Securities Exchange Act of 1934 and Sections 11, 12, and 15 of The Securities Act of 1933 provide liabilities under the federal securities laws. EXHIBIT " B. XXXX XXXX XXXX XXXX primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as " the securitization '' ). Section 10 ( b ) of the Securities Exchange Act prohibits the use of any manipulative or deceptive device or contrivance in contravention of rules prescribed by the SEC in connection with the purchase or sale of any security or security-based swap agreement. Furthermore, the antifraud rule, Rule 10b5 ; Rule 10b5 prohibits use of any means of interstate commerce to ( a ) employ any device, scheme, or artifice to defraud, ( b ) make material misstatements or omissions, or ( c ) engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security. Please take note that Rule 10b5 can be enforced by the SEC in injunctive and civil penalty actions, brought pursuant to 21 ( d ) of the Exchange Act, and by the Justice Department in actions pursuant to 32 ( a ) of the Exchange Act, which imposes criminal liability for willful violations of the Exchange Act. Section 11 ( a ) makes specified persons liable for any untrue statement of material fact in a registration statement or any omission of any material fact required to be stated in a registration statement or necessary to make statements therein not misleading to any person acquiring the relevant security unless the acquirer knew of such untruth or omission at the time of the acquisition. 1. Persons Liable If a registration statement is false or misleading, 11 ( a ) makes liable : a. the issuer; b. the directors of the issuer ; c. persons named, by their consent, in the registration statement as about to become directors of the issuer ; d. every person who signs the registration statement ; e. every expert ( e.g., accountant, engineer, appraiser, etc. ) who is named by consent as having certified or prepared any part of the registration statement ; and f. every underwriter of the relevant security. Due to the Unethical Deceptive Practices Acts of XXXX XXXX XXXX XXXX XXXX Hyundai Capital America , XXXX XXXX I demand to be immediately compensated and demand you to perform upon my underlying obligation, which you unlawfully hold in custody or bailment. You are to immediately refund me the value of my securities and the percentage of proceeds realized from monopolizing my species of goods in restraint of trade due to Securities Fraud committed by the parties as evidenced by Certified Forensic Audit. Transfer the securities to my Treasury Direct Account ( XXXX ) # XXXX. I retain exclusive rights and jurisdiction as the source of the authority, having manufactured the value as I am the holder in due course of the instrument ( s ). Refer to XXXX XXXX XXXX XXXX. HOLDER IN DUE COURSE and 16 CFR Part 433.2- Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. XXXX XXXX. PERFECTION OF SECURITY INTERESTS IN PROPERTY SUBJECT TO CERTAIN STATUTES, REGULATIONS, AND TREATIES. ( a ) [ Security interest subject to other law. ] Except as otherwise provided in subsection ( d ), the filing of a financing statement is not necessary or effective to perfect a security interest in property subject to : ( 1 ) a statute, regulation, or treaty of the United States whose requirements for a security interest 's obtaining priority over the rights of a lien creditor with respect to the property preempt Section 9-310 ( a ) ; ( 2 ) [ list any statute covering automobiles, trailers, mobile homes, boats, farm tractors, or the like, which provides for a security interest to be indicated on a certificate of title as a condition or result of perfection, and any nonXXXX XXXX XXXX central filing statute ] ; or ( 3 ) a statute of another jurisdiction which provides for a security interest to be indicated on a certificate of title as a condition or result of the security interest 's obtaining priority over the rights of a lien creditor with respect to the property. I require you to render a receipt for payment of my canceled and paid-in-full payment instrument acknowledging account settlement and payment adjustment as you, the true Debtor ( s ) are delinquent in payments, taxes, insurance, customs, and duties due to me. Furthermore, I demand that XXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate partners return to me every dollar of my labor placed upon your books and all payday loans plus interest I have ever paid to you for the duration of the fraudulent agreement. In addition, I demand that XXXX remove the bogus lien placed against my consumer goods immediately and convey the title to my consumer goods back to XXXX, XXXX, XXXX : Natural Living Woman. Moreover, I demand that XXXX XXXX OF XXXX XXXX and XXXX release my XXXX NUMBER IMMEDIATELY. Albeit the XXXX number was obtained in a Certified Forensic Audit, I am considering filing a claim for my STOLEN UNITED STATES REGISTERED SECURITIES with the Department of the Treasury Bureau of the Fiscal Service as there is a Treasury Direct Account for XXXX, XXXX, Natural Living Women. Due to the securities fraud committed on behalf of the actors and actresses and the defects associated with security interest of the XXXX XXXX XXXX # XXXX, which is currently under investigation by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Office of Defects Investigation due to a severe automobile accident that occurred on XX/XX/XXXX, that resulted in severe injuries to the consumer for the Negligent and Intentional Infliction of Physical Emotional and Financial Distress, I demand compensatory and punitive damages against XXXX of XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) jointly and severally, in an amount in excess of {$150000.00} ( XXXX XXXX and XXXX XXXX dollars ) EXHIBIT " C. '' Pursuant to the MagnusonMoss Warranty Act, any warrantor warranting a consumer product to a consumer by means of a written warranty must disclose, fully and conspicuously, in simple and readily understood language, the terms and conditions of the warranty to the extent required by rules of the Federal Trade Commission. The FTC has enacted regulations governing the disclosure of written consumer product warranty terms and conditions on consumer products that actually cost the consumer more than {$15.00}. The Rules can be found at XXXX C.F.R. Part XXXX. Under the terms of the XXXX, ambiguous statements in a warranty are construed against the drafter of the warranty. Under a full warranty, in the case of a defect, malfunction, or failure to conform with the written warranty, the warrantor : can remedy the consumer product within a reasonable time and without charge. XXXX not impose any limitation on the duration of any implied warranty on the product. XXXX not exclude or limit consequential damages for a breach of any written or implied warranty on the product unless the exclusion or limitation conspicuously appears on the face of the warranty ; and If the product or a component part contains a defect or malfunction, the consumer must be permitted to elect either a refund or replacement without charge after a reasonable number of repair attempts. In addition, the warrantor XXXX not impose any duty, other than notification, upon any consumer as a condition of securing the repair of any consumer product that malfunctions, is defective, or does not conform to the written warranty. However, the warrantor XXXX require consumers to return a defective item to its place of purchase for repair. The MagnusonMoss Warranty Act does not invalidate or restrict any right or remedy of any consumer under any other federal law, nor does the act supersede the Federal Trade Commission XXXX as it pertains to antitrust actions. Therefore, Pursuant to the MagnusonMoss Warranty Act, I demand a full replacement of the vehicle of my choosing within XXXX business days with a free and clear title along with the value of the vehicle for my valuable consideration of a fraudulent conveyance delivered to the address XXXX XXXX XXXX, XXXX, GA XXXX XXXX between the hours of XXXX XXXX XXXX. Choice XXXX ) : XXXX ; Choice XXXX ) : XXXX ; Choice XXXX ) : XXXX. XXXX XXXX OF XXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) can provide the requested information and document at the location listed below due to your deceptive acts in committing Identity Theft, forgery, wire fraud, concealment, conspiracy, and securities fraud. You are NOT the CREDITOR, as the Rescission Notice effectuates satisfaction of my security interest and cancellation of the security agreement. I make a demand upon XXXX to IMMEDIATELY cease furnishing inaccurate account information to all credit bureaus regarding the consumer named herein and permanently remove the bogus account item from the credit file as you are NOT the creditor, rather the Debtor since having committed identity theft, concealment, fraud, conspiracy, securities fraud, wire fraud amongst other federal crimes, therefore, causing, the consumer, a commercial disparagement. You are prohibited from using, selling, transferring, or assigning the consumer 's non- public personal information, including my social security account number, to any parties and permanently deleting any record/information of the consumer named herein from your database and/or repositories. Pursuant to the mandatory Prospectus filed with XXXX, the following documents incorporated by reference and the Part of Form 10-K ( e.g., Part I, Part II, etc. ) into which the document is incorporated : ( 1 ) Any annual report to security holders ; ( 2 ) Any proxy or information statement ; and ( 3 ) Any prospectus filed pursuant to Rule 424 ( b ) or ( c ) under the Securities Act of 1933. SEC Form 424B2 is the prospectus form that a company must file if it is making a primary offering of securities on a delayed basis. It is an important part of the initial public offering ( IPO ) process. Rule 424 ( b ) or ( c ) are required to file SEC Form 424B2 because of Rule 424 ( b ) ( 2 ) of the Securities Act of 1933. This act was created to protect investors by requiring securities issues to file detailed information with the Securities and Exchange Commission ( SEC ) before selling new securities to the public. There are many other disclosures and preparations that companies need to follow in order to carry out an IPO. SEC Form 424B2 is often used in the event of a delayed offering and discloses transaction-specific data such as the public offering price ( POP ). Per the Certified Forensic Audit, no Assignment was made as required by the Prospectus. 10 Examiner recommends immediate pro-duction of document and review of all purchase documents and then notarized Agreement endorsements among all relevant parties. Please note that the Treasury/Internal Revenue Service Form 56-Notice Concerning Fiduciary Relationship ; Form 8300-Reports of Cash Payments Over {$10000.00}, SF 28- Affidavit of Individual Surety, FOIA for IRS W8 will be filed and presented to the Treasury Department along with Form 3949-A Department of the Treasury-Internal Revenue Service Information Referral, Form op 90 , and Form op 91 for claims against each individual actor and or actors estate due to the identity theft, restraint of trade, and deprivation of rights along with this letter, documents, and complaints to the Department of Justice. Lastly, be advised this notice, along with affidavit ( s ), will be given to the Health and Human Services of the city of XXXX as the XXXX XXXX 4 for the state of Georgia for the administration of the consumers and proper administration and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number XXXX [ XXXX ] for the matter of my estate. In addition, all rights have been reserved for the delivery of an inability affidavit for tender of payment of any kind FOR THE CONSUMER due to the legal hardship under the BAR, their members, and associations. I hereby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific constitutional rights not to be bound by any contract or obligation that I have NOT entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion. Please be advised and note that pursuant to Regulation Z 12 C.F.R. 1026, Right of Rescission, I rescind my consent to be liable or compelled to perform, therefore deducting my liability within this consumer transaction. In addition, criminal fraud, forgery, identity theft, and fraudulent property conversions have NO statute of limitations. I will defend against and seek EVERY actor and actress in obtaining remedy for deprivation of my rights, privileges, and/or immunities secured by the FDCPA against ALL liable parties. As a courtesy to obtain an expedited resolution to this matter, I will wait 3 business days before filing actions with ALL governmental entities to obtain my remedies. Failure to comply with my demands will result in liens and filings in the Court of Chancery, criminal prosecution, and revocation/termination of licenses. Please keep in mind that I DO NOT HAVE TO SIGN a non-disclosure agreement known as ( NDA ) that would constitute bribery. However, I am willing to make an exception if and ONLY IF ALL of my demands are fully met. Furthermore, the down payment reimbursement and ALL funds shall be made VIA check IMMEDIATELY payable to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, GA XXXX Best Regards, COPYRIGHT SIGNATURE RESERVED XXXX, XXXX [ Principal ] -All Natural Rights Reserved All Rights Reserved without Prejudice ( XXXXXXXX XXXX XXXXXXXX ) Please address all future correspondence in the matter to Natural Living Human ; Natural Living Person , [ First Name ] : [ XXXX ] the [ Family Name ] : XXXX, as commonly called via email or U.S.P.S Mail. All calls may be recorded. Attachment ( s ) : 1. EXHIBIT A-Certified Forensic Audit ( In part ) 2. EXHIBIT B-XXXX XXXX XXXX Dealership Fraudulent Financial Security Instrument/ XXXX Financial Instruments ( Final ) 3. EXHIBIT C-NHTSA, DIAGNOSTIC HISTORY ; HYUNDAI REJECTION OF REPLACEMENT VEHICLE XX/XX/XXXX XXXX. EXHIBIT D-XXXX Fraudulent Financial Statements
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: USAA Investigated and said it was a valid transaction. I still do not have the tickets or access to them. Basically I paid for an item I do not have. I have also contacted XXXX XXXX and their web site says no record of a purchase ; XXXX XXXX : XXXX. On XX/XX/XXXX, I attempted to purchase two tickets for the XXXX XXXX XXXX in XXXX, Ohio, via XXXX website. Once on the XXXX site, conducting the purchase, agreeing to the price of {$420.00} per ticket, a total of {$850.00}, for two tickets, put in my credit card info for his purchase, and the site switched to XXXX XXXX, and the price jumped to {$1800.00}. I tried to cancel the purchase by calling the company directly after noticing the switch. They refused to cancel the purchase and suggested I resell the tickets alone. I explained what happened, and they couldn't care less. I then contacted my credit card provider, USAA Federal Savings Bank. They closed my card due to a fraudulent purchase and reissued a new one. Subsequently, on XX/XX/XXXX, these charges reappeared on my new card, and the credit card company asked that I try to work it out with XXXX XXXX. I communicated with XXXX XXXX via chat on XX/XX/XXXX, asking them to refund the purchase, and they refused, stating I could resell the tickets. Interestingly, when I put the XXXX ID : XXXX and my email on their website, it returned, " The information you entered does not match our records. Please try again. '' I also told the lady on the chat, and she said, oh well, you should get your tickets in XXXX. I have paid them {$1800.00} for XXXX XXXX XXXX Tickets ( I do not have ) and Parking {$130.00}, for a total claim of {$1900.00}. This company is a scam, a ripoff, and a hazard to hard-working Americans and this great nation. Based on my experience and the XXXX XXXX XXXX that reviewed and filed a similar complaint against this so-called company, they need to be shut down and not allowed to do business. XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: My name is XXXX XXXX and I have an auto insurance policy ( XXXX ) with USAA. On XX/XX/XXXXXXXX I filed a vandalism claim ( XXXX ) and XXXX XXXX XXXX XXXX supplied the photos regarding damage and entire car paint job, and by XXXXXXXX XXXX a check was issued, but never received after ( 2 ) weeks had past. On XXXX another check issued via XXXXXXXX, but never received nor a slip from XXXX, in which the owner from XXXX XXXX has been waiting over ( XXXX ) more weeks, in which the adjuster, XXXX did nothing to track the XXXX check. On XX/XX/XXXX another check was issued and on XX/XX/XXXXXXXX I received email stating check cancelled due to one of three choices 1 ) check issues in error 2 ) contained an error 3 ) request to be issued payment to another payee. On XX/XX/XXXXXXXX XXXX XXXX issued another check to me via XXXX. This has been going on for over ( 1 ) month. These so called issued checks that never reaches it's destination is getting old. On XX/XX/XXXX I contacted USAA and I was told the XXXX package was delivered on XX/XX/XXXX at XXXX and signed by a XXXX XXXX Security at this location XXXX XXXX XXXX XXXX, New York XXXX stated that there is no security by the name of XXXX working here. The repair shop is not happy, I lost ( 1 ) month payment for car parking without a car to park, and created inconveniences and bad relationship with the repair shop. USAA should be held accountable for their ghost checks that has never been received to date. ( Amt. {$10000.00} ) I read that USAA had settled to pay 15 mil to US CFPB for unfair business practices, etc. ACTION REQUESTED : To have USSA pay the amount due for repairs and paint job to me or XXXX XXXX. I paid USAA ( 6 ) months payment on XX/XX/XXXX, thereafter automatic monthly payments. My payments are spot on.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: On XX/XX/XXXX I attempted a direct assistance program with USAA regarding account XXXX and was denied due to excessive debt obligations. I applied and was accepted to an independent debt management company, XXXX XXXX, in late XXXX. XXXX negotiated with USAA to enter me into a debt management program on account XXXX. On XX/XX/XXXX I received a letter stating my XXXX account had been closed based on an application/agreement to participate in an assistance program. On XX/XX/XXXX I received a letter stating I had been accepted into the assistance program. On XX/XX/XXXX XXXX XXXX notified me that USAA account XXXX had been accepted. On XX/XX/XXXX XXXX XXXX notified me that USAA account XXXX had been accepted. In a phone call during the month of XXXX, a USAA customer service representative verbally informed me that I would still receive late notices from USAA despite being in the debt assistance program, but I should disregard these. I continued to receive XXXX, XXXX, and XXXX notices. I have verified monthly statements from XXXX that payments at the agreed amount, {$210.00} ( monthly ) were sent for XXXX, XXXX, XXXX, and XXXX of XXXX. On a letter dated XX/XX/XXXX, which I did not see until XX/XX/XXXX, USAA notified me that account XXXX was being defaulted due to non-payment, despite the ongoing payments through the debt management program administered by XXXX. I am unable to verify payment receipt on USAA due to the account being removed from my customer portal. On XX/XX/XXXX I verified on my XXXX credit report that the XXXX account had been reported as in default. USAA has maladministered my account and failed to meet their obligations in the debt management program or participate in good faith. Their communications between departments handling the credit card and the debt management program are a known problem to USAA employees, as demonstrated by the customer service comments to me in XX/XX/XXXX. The willful failure of USAA to address these issues demonstrates their bad faith participation in handling of this debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My bank account had someone access my USAA bank account ( unauthorized ) and made 2 mobile deposits, the checks did NOT have a check hold placed on them and less than 24 hours later, they were able to transfer the funds out. The account went negative when the checks bounced less than 48 hours after the first deposit. IF they had put a hold on the checks the funds would not have been able to be transferred out. Here is a history of the transactions that occurred between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My husband and I have had money stolen from our checking account on five separate occasions. We've reported these fraudulent ATM withdrawals with our bank each time an unauthorized withdrawal came through. My husband and I can 100 % attest that we did not make these withdrawals. However, after many calls and over a dozen hours have not received any answers from our bank. They honored a couple of the charges as being fraudulent then turned around and determined other transactions were valid although my husband and I have never been to this ATM and live at least two hours away from this city. Some of the withdrawals happened before we even had newly issued debt cards in our possession. Our cards were not stolen at any point. At this point we haven't been given any answers to how these thieves are accomplishing these transactions. We taken every step possible to remedy the situation but all we're getting from our bank is that because these are atm withdrawals that seem to have been completed with a chip protected card/pin they must be legitimate. My husband and I have been stolen from and we need help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This complaint to USAA SAVINGS BANK for allowing inaccurate information and fraudulent account on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent account still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: USAA informed me that temp credits would reverse. I contacted USAA representative on 2 separate occasions to express that not only did I not understand the decision but also that the notice was short and would cause financial hardship. I was told that this would not be the case and said credits would not reverse pending further investigation. They reversed and resulted in my needing outside funding for day to day expenses as I was traveling at the time without funds.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: BANK STATED THEY WOULD BE CLOSING MY ACCOUNT ON XX/XX/XXXX. AS OF THIS WEEK THE ACCOUNTS WERENT CLOSED. WHEN I FILED ANOTHER COMPLAINT THEY CLOSED ONE ACCOUNT AND DID NOT CLOSE THE OTHER. THEY TO DATE HAVE NOT SENT MY MONEY FROM EITHER OF MY ACCOUNTS, ARENT PROVIDING ME UPDATES. TOLD ME THAT MY KIDS WOULD HAVE TO STARVE BECAUSE THEY ARE HOLDING MY MONEY. THEY ARENT PROVIDING ANY UPDATES.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92114
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: My name is XXXX XXXX and I have been a member at USAA for 10+ years with my husband who has been a member for at least 15+ years. An issue has risen and all your representatives can tell me is that according to Deposit guidelines page 32, sorry we don't have to give you a reason. Your representatives should not just be spitting out policies when it comes to military service members. Please see my story below and let me know what can be done. On XX/XX/year>, I initiated a call to report a non-fraudulent dispute regarding a transaction where I paid but did not receive the merchandise. With over a decade of experience in the banking sector, particularly in consumer services, I am well-versed in federal regulations and bank policies pertaining to fraud disputes. During the call, I repeatedly emphasized to the customer service agent that this was not an incidence of fraud ; I had not disclosed any personal information to third parties. The purchase in question was made on XXXX XXXX through XXXX XXXX XXXX XXXX, and the product was never delivered. I insisted at least six times during the conversation that my case should not be classified as fraud. Despite this, the USAA representative used the term " scam '' in their documentation and unnecessarily sent a financial crimes referral. Even though I explicitly mentioned that none of my information, such as debit card details, account number, or login credentials, were compromised, the fraud department restricted all my accounts to credit-only transactions. This action was taken without proper justification and affected even accounts unrelated to the dispute, all without notifying me. Following this restriction, my ACH payment to USAA auto insurance was rejected. I received no notice of Non-Sufficient Funds ( NSF ), which is a deviation from federal regulations. Consequently, USAA auto insurance interpreted my account as frozen and ceased processing payments, leading to the cancellation of my auto policy. To reactivate our auto insurance, we were faced with a substantial increase in our monthly premium {$150.00} moreand required to make a {$910.00} deposit, despite our longstanding, issue-free history as clients. I've made three or four attempts to contact USAA, speaking with numerous representatives who all inform me that the fraud department has the autonomy to act as they see fit in these situations without providing any notification to the account holders. Despite USAA 's claims of exceptional service to service members, I have received no assistance in my case. The fraud department repeatedly declined my calls and provided no explanation for initiating an investigation. Similarly, the banking division dismisses the error in failing to notify members about actions taken on their accounts. They also refuse to concede that it was incorrect for a fraud specialist to freeze an account unrelated to my non-fraudulent dispute. This approach raises concerns : if a military member XXXX XXXX had to report a non-fraudulent dispute, would USAA freeze their accounts without notification? This would result in all their bills being rejected without their knowledge. I question how this treatment aligns with USAA 's commitment to serving the military community. I've found that no one at USAA bank is prepared to assist me. Despite acknowledging the calls where I clearly stated it was a non-fraud dispute, nobody seems willing to make an extra effort. This level of service has left me profoundly dissatisfied. Please reach out as we are considering alternative ways to handle this. I have reached out through both email and XXXX without the opportunity for a direct conversation. My experience with USAA organization has involved being redirected to multiple individuals for an investigation into a dispute and subsequent actions. USAA promotes exceptional service for military members, a claim contradicted by my recent experiences, which align more closely with those at other large banks like XXXX XXXX , XXXX XXXX XXXXXXXX, or XXXX. USAA policy allows account freezes, which I understand given my 15 years in banking ; however, after 18 years as a loyal client, the implication that there was money laundering or risk of loss on my accounts was unwarranted. Each case deserves individual attention equitable, not equal treatment. The issues I presented were unrelated to fraud or careless handling of sensitive information and should be assessed differently. No one with decision-making authority has yet engaged with us to address these policies, which when applied without discretion can appear callous rather than just.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: WA
Zip: 98311
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A