Date Received: 2021-10-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I've contacted XXXX and USAA to have these fraudulent items removed. USAA has requested XXXX not to remove or dispute items. I've filed a FTC report as well as police report. These items are fraudulent and I feel like the companies are not complying.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: We voluntarily surrendered our automobile to our bank, USAA. They picked the vehicle up and stated it would sell the vehicle at auction and we would be responsible for the deficiency. At the time we owed approximately {$14000.00} on our XXXX XXXX XXXX. On XXXX XXXX I was contacted by XXXX XXXX from XXXX XXXX XXXX on behalf of USAA . He stated I owed {$16000.00} for the deficiency on the XXXX. I asked what the vehicle sold at auction for because this amount is significantly more than I owed on the vehicle at time of surrender. XXXX said he does not show the vehicle was sold, I just owe the balance! I asked for clarification and confirmation that the vehicle was taken to an auto auction to be sold as I was told would happen. He said he could not provide any information, other than that I owed money over the phone. He said I would need to submit a request in writting for information on the vehicle and sale. I submitted a written request via email as i was instructed to XXXX, I requested an amortization schedule from loan origination to charge off.The original terms of the contract per the TILA, Payoff and Balance at time of the sale, amount the vehicle was sold at auction for, the name of the auto auction that the vehicle was taken to, the name of the repossession company and a case be opened for my complaint also that they provide me with a case number and Point of Contact to get this resolved.. All train did not respond to me so submitted a follow up email on XX/XX/XXXX. I still was not responded to and submitted a 2nd follow up ( 3rd attempt to contact ) on XX/XX/XXXX. I have not received any notification that they have resolved, corrected or investigated this. However the charge off and balance still shows on my credit report. It is my belief that either the repossession company or an employee at XXXX/USAA took possession of the {$100000.00} car and charge the balance off against me. I need help to get his resolved. I am a XXXX XXXX XXXX Veteran and XXXX struggling to keep my business open post COVID and this is impacting my ability to get credit and assistance. Please help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29745
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am a victim of a cyber employment scam. On Wednesday XX/XX/XXXX at XXXX, XXXX XXXX from XXXX XXXX contacted me by text message regarding a job position that is available for a customer service representative role. The text message stated they saw my resume on XXXX and I have made it to the next step for the job opening. I was given the information of the hiring manager to contact through XXXX XXXX to discuss the job position they have available for me to occupy. The verification code during the interview is XXXX. The hiring managers name is XXXX XXXX and the XXXX XXXX XXXX XXXX. I responded to the text message stating I am interested and will contact XXXX XXXX for the interview. I contacted XXXX XXXX on XXXX XXXX that same day to inquire about this job opportunity. I stated I received the text message from the recruiter XXXX XXXX about the position and would like to know more about it. XXXX responded with talking about the XXXX XXXX company and send me a link to view the website. She discussed the salary for this customer service representative position and the training, which was set up in 2 phases. Phase 1 of training is centered on tasks/assignments, which will need to be completed intermittently. Phase 2 of training is getting acquainted with the software and hardware. XXXX stated the company would handle all of the working materials/software for this job. I was instructed to be on XXXX XXXX and XXXX every weekday from XXXX to XXXX for tasks/assignments on a day-to day basis. XXXX advised me to add my training supervisor XXXX XXXX on XXXX on XX/XX/XXXX as the next step for training information. His XXXX information is ( XXXX XXXX XXXX ). I was instructed to send an email with my full name, state, city, zip code and email address to XXXX. On Thursday XX/XX/XXXX, I logged on XXXX per the instructions I was given by XXXX XXXX to communicate with Mr. XXXX. Mr. XXXX stated that the XXXX XXXX Company was going to send me check through XXXX for the purchase of the equipment. He also emailed me employment forms to complete since I became a new employee for XXXX XXXX Company. I filled out the employment forms and emailed to the XXXX email. I was also instructed to send a copy of my drivers license to this email. After completing these tasks, Mr. XXXX stated I needed to log back on tomorrow morning at XXXX to discuss the tracking of the check that is being mailed to me by XXXX XXXX On Friday XX/XX/XXXX, Mr. XXXX gave me the XXXX tracking number for the check and told me to update him once I receive it. He stated the amount was {$5000.00} and I would need to deposit it to my bank account for my working materials to work from home. At XXXX, Mr. XXXX stated there was an issue with XXXX and stated he will send me the check by email. He also instructed me to print and deposit this check using my bank mobile app. On Saturday XX/XX/XXXX, Mr. XXXX sent me instructions on how to deposit the check into my bank account and to take a screenshot of the deposit for confirmation. I deposited the check and sent the screenshot of the check. After this confirmation, I was instructed by him to send the sum of {$4700.00} to the vendor for the purchase of the materials to receive it by Wednesday. The remaining {$150.00} of this check was my sign on bonus. Mr. XXXX stated he would instruct me on how to make a payment to the company recommended vendor for the specific equipment. He then asked me if I have XXXX and I responded yes. He instructed me to send {$1000.00} via XXXX to the vendor XXXX XXXX with the XXXX email : XXXX and send a screen shot. The payment did not go through on XXXX and was told to make a XXXX payment of {$1000.00} to XXXX XXXX with the XXXX email : XXXX XXXX-1 . This payment went through to this vendor. The next payment I was instructed to do was through XXXX XXXX of {$1000.00} to the phone number # XXXX and send a screen shot once completed. I do not have XXXX XXXX set up and Mr. XXXX stated I should send it to XXXX for {$1000.00} payment to XXXX XXXX XXXX email : XXXX XXXX This payment went through and was told to send another payment of {$1000.00} via XXXX to XXXX XXXX with the XXXX email : @ XXXX XXXX The payment went through and was instructed to make another payment of {$750.00} via XXXX to XXXX XXXX again. The payment went through and Mr. XXXX stated to log back on Sunday XXXX at XXXX for the jobs next step. On Sunday XX/XX/XXXX, Mr. XXXX stated the management has been notified by the vendor that the payment wasnt enough for the purchase of all the working materials because the regular materials are out of stock and would be supplying the special customized materials. These customized materials would help ease the speed of my duties and I would need XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Mr. XXXX stated he contacted the accounting department to issue another check to cover the cost of the materials and will receive the check by XX/XX/XXXX. I received a secondary {$5000.00} check and after depositing it I was instructed to send {$1000.00} payment via XXXX to XXXX XXXX via XXXX email : XXXX. He stated to send a screenshot for confirmation once it went through successfully. I experienced an issue using the XXXX XXXX and he stated to send the {$1000.00} payment via XXXX to XXXX XXXX via XXXX email : XXXX XXXX and send a screenshot for confirmation. I experienced an issue sending the payment and he asked me to use XXXX. I was instructed to send a payment of {$1000.00} via XXXX to XXXX XXXX via XXXX email : XXXX. This payment went through and was instructed to send another {$1000.00} payment via XXXX to XXXX XXXX via XXXX email : XXXX. I was experiencing some issues with XXXX and was not able to send this payment to XXXX XXXX. Mr. XXXX asked me if I have XXXX and I said yes. He then instructed me to send {$500.00} payment to XXXX XXXX via XXXX tag XXXX XXXX XXXX and send a screenshot for confirmation. After this was completed, he asked if I can deposit {$2000.00} on XXXX and let him know once I completed this task. The transfer failed and I informed him I was not able to complete the transfer. He stated that the vendor wants me to withdraw cash of {$3500.00} at my bank and I replied I would not be able to do that because my bank has limits on withdrawals. He stated to send a {$1000.00} payment via XXXX to # XXXX and send a screenshot for confirmation. The payment went through and he instructed me to send a {$1500.00} payment to the same phone number but my bank declined the payment. I asked if I could order the equipment with the check the company sent me and he replied the vendor needs to install the important software. He instructed me to try the {$1500.00} payment through XXXX XXXX and payment did not go through. He then instructed me to try sending {$1000.00} to # XXXX through XXXX. The recipients name for this payment is XXXX XXXX and the payment was successful. After this payment, he instructed me to make another payment to XXXX XXXX for {$1500.00} using XXXX. The payment did not go through and he stated to try with XXXX but I received an error message for this payment. He stated to try sending the payment of {$1500.00} through XXXX. I sent the payment but the payment was refunded. At XXXX Mr. XXXX stated I will send the remaining amount on Monday XX/XX/XXXX and to log on at XXXX for more information. On Monday XX/XX/XXXX, Mr. XXXX instructed me to deposit the last check he sent to my email. He instructed me to send XXXX {$1000.00} to # XXXX but the payment did not go through. He informed me to try depositing {$1500.00} on XXXX but when I tried it did not work for me. After this he instructed me to send {$1000.00} to XXXX XXXX via XXXX to her XXXX email XXXX XXXX I was not able to complete this payment and he stated I needed to send a wire transfer for {$6500.00} to XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I sent the wire transfer using my USAA mobile bank app. After I completed the wire transfer, he stated to inform him once I received the confirmation that it has been sent. I ordered lunch at XXXX XXXX and used my debit card to pay but the payment did not go through. I called USAA to inquire about the decline of my lunch order and once I spoke with a representative I was told my checking account has been locked due to the deposit of fraudulent checks. The representative also stated that the bank no longer wants to do business with me because of the fraudulent checks and can not answer or assist me with anything else. The representative stated I was terminated and will no longer be able to use their services. I became really stressed after talking with USAA and decided to call Mr. XXXX regarding my bank account. I called him at XXXX and he declined my call. I messaged him to give me a call once he receives this message. He replied by saying he was in a meeting. I asked how long is his meeting and he stated 1-2 hours. I called him at XXXX because I was stressed with the call with my bank account being locked because of his instructions with the checks from the company and he did not answer. He called me at XXXX and I informed him my bank account was locked because of his instructions with depositing the checks. I asked him if the checks were fake and he stated no they are not and he will call the accounting department to fix this issue with my bank. I messaged him if he had any updates regarding my bank account situation and he replied the company payment are working on it. I asked how long would it take to resolve and he replied it will be very soon and he will inform me once it is done. He also stated it would be resolved before late Tuesday afternoon. I messaged him at XXXX stating I am on the phone with my bank and no one from XXXX XXXX has called regarding my locked bank account. I told him this needs to be fixed immediately because I have no access to the funds I share with my husband in this account. On Tuesday XX/XX/XXXX, I messaged Mr. XXXX at XXXX and at XXXX to call me once he receives my message. I asked him at XXXX if he had any updates and he replied sure it would be resolved today. I replied asking what did USAA tell him about my bank account and he stated the accounting department is working on it. That was the last message I received from this scammer aka Mr. XXXX. I have been living in a nightmare after dealing this employment scam. My mental health has been affected greatly and I cant afford to pay for the basic necessities. I also submitted my resignation letter at my current job and asked if I can rescind my resignation but was declined. I am a victim of this scam and cant sleep or eat. My husband and I have called USAA numerous times informing them that I am a victim of an employment scam. USAA stated that I now have a debt of around XXXX XXXX {$12000.00} due to the fraudulent activity for the checking account. I need help with this matter. I should not be held liable for this debt USAA stated I need to pay in 41 days. I have filed a police report and FBI written complaint regarding this employment scam that I am a victim of. I contacted the Maryland Attorney Generals office and filed a report. I filed a report with the Identity Theft Unit as well. In addition, I placed a freeze on my credit because I am afraid the scammer can make several purchases under my identity. Please help me with this case because I am a victim of this cyber employment scam that has put a tremendous hardship to my life.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21093
Submitted Via: Web
Date Sent: 2021-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: i found that somebody had been making charges on my debit card for approximately XXXX dollars i contacted the bank they stopped my card and started a new card out to me and started a investigation during this time they sent me a temporary funds to my account after about 2 weeks they said investigation showed that about XXXX was fraudulent but the rest was not the answer was that the online merchant which was a casino said they had my email address and name attached to the charges i asked the banck for this infor which took them roughly a month to get the ip addresses do no come back to me plus i had a black web scan done through XXXX credit that came back with all my personal information on it i sent the info to the bank fraud department the still wont call me back this has been going on for about three months now
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77375
Submitted Via: Web
Date Sent: 2021-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, XXXX and XXXX are continuously reporting fraudulent accounts due to identity theft to my credit profile such as USAA, XXXX AND ALL COLLECTIONS. Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. I have never lived at this address and I do not own a Florida drivers license nor ID. These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33573
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, XXXX and XXXX are continuously reporting fraudulent accounts due to identity theft to my credit profile such as USAA, XXXX AND ALL COLLECTIONS. Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. I have never lived at this address and I do not own a Florida drivers license nor ID. These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33573
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: For the past several years ( since at least 2016 ), I have been battling with USAA in regards to financial money mismanagement. During those years, they have told me they are working on resolving this issue. I have several bank accounts with USAA, a credit card, Auto, and renters insurance with USAA. Each month, I pay a monthly bill to USAA to pay my insurance. Each month, the insurance payment shows as a pending transaction on my account for a very brief time. Then a few days before the ACH transaction takes place the pending transaction drops off the banking side of my bill pay account. For period of about 8 to 12 days before, during, and after ACH transaction ( with USAA ) the money does not show as a pending or paid transaction. I understand that during the process there should be a day or two that this might briefly occur. However, It literally disappears and does not exist. Then it eventually shows back up at a pending transaction for the follow month or months. The money is in limbo from my account for usually 15 days and the ACH transaction setup in my bill pay magically disappears and reappears every month. When it is there it shows the pending transaction and the future transactions for the next few months. When it is in limbo it is gone completely. The only record exist it paid history. I have asked USAA hundreds of times to fix this issue. I have file hundreds of complaints with USAA. This money mismanagement has made it so I accidently over drafted my account on two different occasions. Today, is XX/XX/XXXX. A few days ago the ACH transaction for my insurance payment due on the XXXX of XXXX disappeared from my bill pay account. According to my bill pay account, I have no payments scheduled to pay my insurance scheduled at all or pending from now until the end of time.. Inside my bill pay account, it clearly shows there is an ACH transaction scheduled for the XXXX of each month. I spoke with the executive resolution team ( XXXX ) with USAA today. She would not stop arguing and raising her voice with me. This is the common treatment I get with USAA. I believe USAA is engaged in money mismanagement and/or racketeering / embezzlement. I researched if anyone else is having trouble with USAA and found the following. UNITED STATES OF AMERICA DEPARTMENT OF THE TREASURY OFFICE OF THE COMPTROLLER OF THE CURRENCY XXXX I also found that USAA was fined {$85.00} million dollars last year for 'Violations of Law XXXX XXXX : XXXX. I am asking someone to look into this situation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85383
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I submitted a fraud complaint because someone charged me over {$250.00} to my account. Called the bank spent countless hours on the phone USAA closed the ticket saying they got info from the merchant saying it wasnt fraud. Ive never done business with the merchant have no clue who they are. Its a charge from someone in the XXXX. Bank said they were advised it came from my Email. Which is impossible I didnt authorize that charge
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32571
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On Tuesday, XX/XX/XXXX, I received an email notification from a subscription called XXXX XXXX advising a credit was detected in my checking account. The refund was from XXXX. I have not shopped nor returned anything to XXXX in recent months. Curiously, I happened to check our bank account, where I was quickly able to confirm a fraudulent charge from XXXX, as well as five other charges from XXXX, that were also fraudulent. I immediately contacted USAA, I noted the time was XXXX est. I spoke with a representative named XXXX, who began the fraudulent investigation process. While speaking with her, an additional charge from XXXX was processed. This totaled {$430.00} in unauthorized, theft purchases. XXXX did return the charge for {$55.00}, leaving a total of {$380.00} fraudulently deducted from our account. XXXX then terminated my debit card, to prevent any further charges. We have been USAA members for 10+ years. I believe this incident with mark the fifth time our checking account has been compromised in that time. Each of the previous occurrences, a provisional credit was issued in the amount of the missing funds, to protect us as consumers and to re-establish that USAA can be entrusted with the management and safety of the funds we entrust in them. If for some reason the results of their investigation reveal the charges were not fraudulent, that provisional credit would be deducted back from our account. This time, we were told it would be up to 10 days before any provisional credits would be issued. However, before an investigation can even begin, the pending fraudulent charges would have to actually post to our account. ( Even in pending status, the amounts were already deducted from our available balance. ) On Wednesday, XX/XX/XXXX, I checked our bank account again and noted the charges were still pending. I contacted USAA again, this time around XXXX est. I spoke with a representative named XXXX, who advised there was nothing more to be done, we just had to wait for the process to complete. This is unacceptable, so I requested to have the issue escalated. After XXXX made multiple attempts to reach an account executive, she returned to the call and suggested the option of waiting for a call back. I insisted multiple times that I needed someone to call me back that same day, to which she confirmed each time, that I would receive a call by the end of the business day. No calls were received. Today, Thursday XX/XX/XXXX, I contacted USAA for a third time, at XXXXXXXX. I again reached XXXX. I advised that no one had called me regarding the issue, and she quickly transferred me to an account executive named XXXX. XXXX advised the same process and XXXX and XXXX, including the waiting period and the steps taken by the fraud department at USAA. She explained unlike in years past, USAA had a policy change in XXXX of XXXX that they no longer offer provisional credits until after an investigation is complete, or at by the maximum allotted time, ( 10 days ). However, that is ten days from the time the charges post, which depending on the merchant can be anywhere from 3-5 business days. She questioned about our debit card practices and safety, which was rather insulting. She also mentioned signing us up for their fraud protection program. XXXX quickly realized and acknowledged that we were already signed up for that service, and confirmed that the contact information set up was accurate and up-to-date. She offered to defer payments to other vendors, to stop payment on ACH payments, to essentially tarnish our finances and good standing with other accounts, because funds were stolen from us through no fault of our own. XXXX explained the new regulation, and that it was by law they abide, but also advised that it is up to the discretion of each financial institution whether they adopt that regulation or not. Meaning, that USAA has chosen to no longer protect the funds and assets they advocate to protect. XXXX also advised that it was noted in her system, that an account executive had attempted to contact me twice the previous day and left a voicemail. This is also false. I offered to provide my XXXX phone records as proof. She escalated that issue to the manager of the representative who left that notation. After an hour and a half conversation, and hearing USAA 's new policy and procedure repeatedly, nothing more was done. In this instance, USAA failed us. They failed in every possible way. Not only does fraud seem to be a prevalent issue in regards to our account specifically, USAA 's fraud alert system has still not notified us either through text or email of any suspicious activity, to which I have repeatedly complained about and received nothing more than apologies and confusion on why their system didn't " flag '' the charges. While they recognize that their system failed, they refuse to issue any provisional credits until the completion of their investigation per their new policy/regulations. We have entrusted USAA as our financial institution for multiple lines of business ; banking, credit cards, insurance, car loans, and homeowners insurance. The basic fundamentals of a financial institution of any kind, is to protect the consumer. We give them our money, our accounts, and our business, we expect even a basic level of protection should any fraud or suspicious activity occur. Money directly from our account has been stolen. We are victims of theft in this situation and USAA refuses fulfill their duty as they have in the past, multiple times, while they complete their " investigation ''. An investigation of which the results, we are not privy to. Why are we forced to wait to receive OUR money back into our account? Do we not have rights to our own capital? What if I didn't happen to check the bank account when i received the third party email from XXXX XXXX and our bank account was completely drained? XXXX advised we would be in the same situation, with zero protection, until the charges posted and USAA still had ten days to issue that provisional credit. She also noted that she " hoped '' their fraud system would've " eventually '' caught the issue and notified us, but either way, we would still be left unprotected, being essentially punished for USAA 's lack of security and communication. Our rights have been directly violated by USAA, and continue to be every day we are still missing the funds from our account. No one should ever be put in a position to financially suffer in any capacity, no matter the amount, at the hands of a financial institution. The very institutions built on protecting those very consumers. Fraud is inevitable. However, it is the responsibility of the financial institution to stand behind their clients and ensure they experience the lowest possible hardship, which USAA has always done, until now. Along with this report, I have filed a complaint with the XXXX XXXX XXXX, the Federal Deposit Insurance Corporation, the Federal Reserve, and I have submitted a letter to congress.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 41091
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I closed my USAA visa card XXXX it continues to report open an even chose the old XXXX plus balance on the credit report I contacted the bank to tell them that the account should be closed and they sent me a new replacement card and just reported the card with a balance of XXXX plus this card is closed and has a XXXX balance and it's getting very annoying with the XXXX also pulling my credit when I don't want a new card sending me a replacement card and a replacement debit card when I closed my accounts with them I have closed all my accounts with this bank and XXXX out all my balances they continue to harass me with reporting information incorrectly
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 79938
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A