Date Received: 2021-09-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX a new mortgage was funded ( with XXXX ), the homeowners insurance premium ( USAA ) was due on the XXXX. As a result, USAA received duplicate payments from the old and new escrow for the homeowners policy. When I signed into USAA on or around the XXXX, the homeowners policy overpayment showed as a credit to my account, which they had applied to my auto policy premium ( without telling me either time ). On or around the XXXX, I received a check for the original overpayment from USAA, perplexed, I signed in and discovered that the auto policy was now marked as past due, complete with a late fee, and possible derogatory mark to my credit. As USAA acts as a bank, home insurer and auto insurer, it is improper to retain and apply overpayments in this way, particularly without consumer input, as it has led to a mark on my credit and late fee when they decided to send the check instead.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80817
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Someone without my knowledge or consent made a deposit into my account of {$15000.00} dollars USAA determined this was fraudulent and that I was involved in it which I was not I immediately contacted USAAwhen I saw the deposit to find out where it came from they accused me without proof of behind involved in a scam and warned me any other issues with my account snd they could cancel my membership. On XX/XX/2021 after learning someone accessed or tried to access my account Usaa set my account up for credit only no debit on XX/XX/XXXX only two days later sn.individual named XXXX XXXX tried to hsve a automatic payment paid yo his or her account to th XXXX XXXX XXXX I do not know this person nor had any connection to XXXX they Took {$400.00} from my account and charged me {$90.00} for insufficient funds fee when I had {$500.00} in the account at the time and whoever gain access into my account tried to set up o a weekly deposit from my account of. {$120000.00} a week funds I didnt even have how was this possible considering they placed my account in a credit only status deposits only is it possible thus XXXX is a USAA Employee targeting accounts that are in jeaporday of being closed? I dont know Usaa feels Im a scammer the only person to profit so far is USAAXXXX XXXX $ XXXX.they have filed delinquent rrports with credit bureaus they should receive a fine gor this i dm a XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2021-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hi XXXX XXXX again with my 3rd complaint. I just want to let XXXX know I will not stop filing complaints until I get my resolution. You guys claim you are investigating but when I check your website it says nothing is being done. Then you send me a notice saying you cant honor my request because I received goods? Anyways I'm not going away. I'm getting really good at filling this form out and I look forward to filling out more.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80521
Submitted Via: Web
Date Sent: 2021-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
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: USAA closed and removed my complete credit card history in retaliation of filing disputes of fraudulent charges in 2015. Instead of removing fraudulent charges of over XXXX occurring after I paid off the balance in full in XXXX or XXXX of 2015 with money from refinancing a mortgage, they removed my complete credit history which was in good standing and at a XXXX balance. Why would my good credit history be removed all together? By doing so they have caused my good credit history length to be reduced as well as the good payment history.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80020
Submitted Via: Web
Date Sent: 2021-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Made a payment to my credit card USAA credit card using my XXXX account and the payment went to an account and then in XXXX. My credit card account number ends in XXXX. The payment came out of my XXXX checking account on XX/XX/2021 for {$99.00} I have documents to show where the payment came from and where the payment went to. Payments me to my credit card does not have a transaction ID a {$99.00} payment {$100.00} payment.Payment posted four times twice with the transaction number and twice without transaction ID number
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The XXXX statement for my USAA credit card was posted on XX/XX/XXXX. It showed Cash Advance balance subject to interest of {$8900.00} and an interest fee of {$95.00}. I have never taken a cash advance on this card. I called the company on XX/XX/XXXX to inform them of the error. The individual I spoke with indicated that is how they account for interest on balance transfers. I previously had a balance transfer, but paid it off before the promotional period ended, and thus should not have been subject to any interest charge on the balance transfer either. I work in the financial industry, so I know that written complaints have to be dealt with, and where the individual on the phone wasn't willing to correct the issue and waive the fee, I submitted a letter to USAA which was received on XX/XX/XXXX. I received an email confirmation that they were reviewing it. This morning, XX/XX/XXXX, I received another email saying the fee is valid and I am required to pay it. I do not believe this fee is valid, and even though it may only be {$100.00} to me, which I can afford, if this company is doing similar behavior with its thousands of customers, especially if they are servicemembers, then I believe it's something that should be investigated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84003
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX & XXXX, I called USAA about fraudulent activity on my account. I was trying to get a loan and had to provide certain information so that the company could verify my direct deposit. I have done this before on two other loans that I am currently paying on. With that said, the company was fraud, and they posted a apple check on my account and XXXX themselves money. I have the emails and the fake application and loan information from the company. With that said, I immediate called USAA. They locked my account and proceeded to tell me that they were closing my account. I was fine with that however I am a XXXX XXXX XXXX XXXX veteran and my only source of income in the amount of {$3200.00} was being set to that checking account on midnight XXXX XX/XX/2021 from the Department of Veteran Affairs. USAA told me that they would keep the money indefinitely and that i could not access the funds. They also stated that it will take 90 days for then to decide if I would receive the funds. In short, this is theft of assets by a bank without cause. The hardship this has caused me is irreversible. I have had to not pay my rent, car insurance, and other debts. My car insurance is through USAA and now that is being terminated. The bank insists they are a bank for service members and veterans. I have filed a civil lawsuit against USAA. The Department of Veteran Affairs has also filed a tracer claim against USAA. I have written my state representatives offices and the FBI. I have filed numerous complains against this Bank. Banks in the united states, can not just steal and hold money and the only source of income of an individual. They are not paying interest on this money and I do not have access to it. Please help. USAA have been doing this to veterans and service members for years. Please investigate their practices. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Checking account # : XXXX Attached is the company or fake company that caused this mess.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85037
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I thought about cashing a check through my mobile app but decided against it. They are holding my money for 60 days and have caused me a lot of problems. My kids are not receiving things because of this.. My cell phone has been turned off, car note, insurance, credit cards, loans are all late and being charged with fees for what? So Usaa can feel better about themselves? My veterans XXXX check is the only income I have.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was contacted by XXXX XXXX ( XXXX ), an XXXX job search employee, stating a new opening had become available for XXXX XXXX XXXX. I told her I was interested and she instructed me to contact XXXX XXXX on XXXX XXXX, an encrypted communication app. I got in touch with XXXX XXXX, who claimed to be XXXX hiring manager, completed an interview, was told that I was hired, and told to fill out paperwork, which all seemed normal to any other job I had applied for as a work-from-home position. I filled out a W4, NDA, Employment Agreement and a XXXX Welcome Letter ( received by XXXX ). I was then connected with HR lead XXXX XXXX via email ( XXXX ) who stated XXXX would be paying for my work equipment. They sent me three checks via email totaling {$17000.00}, instructed that I deposit them and send them to their vendors in order to pay for work equipment ( XXXX, time clock, desk, scanner, printer, copier, barcode scanner, etc. ). I was told to make five wire transfers out ( two XXXX transfers and three wire transfers- one to XXXX XXXX and two to XXXX XXXX ). On XX/XX/2021, at XXXX USAA picked up the last wire transfer for {$8500.00}, returned the transfer, so I was still delinquent and apparently liable for {$9400.00}. After this I had stopped communication with XXXX XXXX and I received a call from the scammers from XXXX, I did not answer and the left a message stating to call back XXXX. They told me they would be freezing my accounts and trying to retrieve the two XXXX XXXX ( which they said would take less than 24 hours ) and the two remaining wire transfers ( which they said would take about a week ). Then they told me, on XX/XX/2021, at XXXX, that if I wanted access to my account that I had to pay off the delinquent balance that I was scammed out of " even though this is not my fault and hundreds of people this quarter alone have had this same thing happen to them ''. So, I did pay off the {$9400.00} in order to have access to my VA XXXX payments and remaining {$5000.00} to pay bills. I called after trying to access my left-over funds, I called USAA on XX/XX/2021, at XXXX, asking why my bills were rejected and for an update to my issue, which they previously said I would be kept up to date on, and they said they were going to close my accounts and keep my funds, both that paid off the scam and the remainder in my account and that I am not allowed access to any of these funds. I have been with USAA for 10 years, always paid early, always held a positive balance, and never had a complaint against me, and now I'm refused service, access to my own money, and treated like a criminal, while USAA says " too bad you can't pay your bills that's not our problem ''. I asked them what I'm supposed to do that they won't allow me to pay my bills, and they said if I keep pressing, they will take me to court for " gross negligence ''. I feel incredibly threatened by the company that is supposed to have my interest, I have worked openly with them, and they, themselves, have said this is not my fault, but their actions are aggressive, threatening and life-ruining. So now I'm using credit, cancelling utilities, and out the remainder of my savings AND I was informed that they would no longer be trying to retrieve those wire transfers to XXXX XXXX and XXXX XXXX because I had already paid off the delinquent balance. This is all being handled poorly and I feel that USAA is scamming scam-victims, especially after they confessed to this happening to hundreds of other customers this quarter alone. All I want is my {$5000.00} remaining funds, and an ATTEMPT to recoup the wire transfers to XXXX XXXX and XXXX XXXX and hopefully make all or some of that {$9400.00} delinquent payment back. USAA has disabled my ability to email them, and the only communication my account is enabled for is phone call, though they never send me to the correct department, then when I ask to be elevated, they disconnect the phone, call back but only allow one ring, and by the time I answer, they've hung up again. I'm getting the run-around and no straight answers or updates, and it's clear that I do not matter to them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32548
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Debt Collection Practices Act noticed there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors, and it contributes to the number of personal bankruptcies, marital instability, loss of jobs and invasion to individual privacy. Fact, the Fair Debt Collection Practices Act states that existing laws and procedures for redressing these injuries are inadequate to protect consumers. Fact, the Fair Debt Collection Practices Act noticed abusive debt collection practices are carried to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. Fact, the Fair Debt Collection Practices Act is intended to eliminate abusive debt collection practices by debt collectors, to ensure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled Exhibit A, Exhibit B and Exhibit C that USAA Credit Car d Payments is in violation of 15 USC 1692b ( 2 ) because Congress states any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. USAA Credit Card Payments states I have a new balance of {$10000.00} and minimum payment due {$220.00}. Fact, affiant is aware and has proof in the attachment labeled Exhibit A that USAA Credit Card Payments is in violation of 15 USC 1692b ( 4 ) because Congress states that any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not communicate by post card. USAA Credit Card Payments sent this form with their address on it. Fact, affiant is aware and has proof in the attachment labeled Exhibit A and Exhibit C that USAA Credit Card Payments is in violation of 15 USC 1692b ( 5 ) because Congress states any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not to use any language or symbol on any envelope or in contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. USAA Credit Card Payments logo on the form. Fact, affiant is aware and has proof in the attachment labeled Exhibit A that USAA Credit Card Payments is in violation of 15 USC 1692d ( 1 ) because Congress states that a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : the use or threat or use of violence or other criminal means to harm the physical person, reputation, or property of person. USAA Credit Card Payments states my account is currently closed, which harmed my reputation by taking away my credit limit that is used to pay for my lifestyle. Fact, affiant is aware and has proof in the attachment labeled Exhibit A and Exhibit B that USAA Credit Card Payments is in violation of 15 USC 1692d ( 2 ) because Congress states that a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. On this form, USAA Credit Card Payments states a late payment warning if the minimum payment isnt received by the payment above, I will have to pay a late fee up to {$35.00} which is an obscene statement towards me. Fact, affiant is aware and has proof in the attachment labeled Exhibit A and Exhibit C that USAA Credit Card Payments is in violation of 15 USC 1692e ( 2 ) ( a ) because Congress states a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : the false representation of the character, amount, or legal status of any debt. USAA Credit Card Payments states that I have a new balance of {$10000.00} and minimum payment due {$220.00}. The characters or amount are displayed in a positive amount, which means I am owed money and not have to pay. Fact, affiant is aware and has proof in the attachment labeled Exhibit A and Exhibit B that USAA Credit Card Payments is in violation of 15 USC 1692f ( 1 ) because Congress states a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. USAA Credit Card Payments states that I have a new balance of {$10000.00} and minimum payment due {$220.00}. Fact, affiant is aware and has proof in the attachment labeled Exhibit A and Exhibit C that USAA Credit Card Payments is in violation of 15 USC 1692f ( 8 ) because Congress states a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : not to use any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. USAA Credit Card Payments logo or symbol is on the form. Fact, affiant is aware and has proof in the attachment labeled Exhibit A, Exhibit B and Exhibit C that USAA Credit Card Payments is in violation of 15 USC 1692j ( a ) because Congress states it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. USAA Credit Card Payments is attempting to collect debt from me. Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Fact, affiant is aware and has proof in the attachment labeled Exhibit A and Exhibit C that USAA Credit Card Payments is in violation of 15 USC 1602f because Congress states the term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. As the original creditor, I granted USAA Credit Card Payments the credit using my social security number. I should not have to pay or owe USAA Credit Card Payments, for the credit I granted to them. Fact, affiant is aware and has proof in the attachment labeled Exhibit A USAA Credit Card Payments is in violation of 15 USC 1602j because Congress states the terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. As the original creditor, I have an open end credit plan, which means I can be granted unlimited access to any credit limit. Fact, affiant is aware and has proof in the attachment labeled Exhibit A and Exhibit C that USAA Credit Card Payments is in violation of 15 USC 1602p because Congress states the term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. USAA Credit Card Payments states a minimum payment due {$220.00}. and it is an unauthorized use of USAA Credit Card Payments collecting payments from me. Fact, affiant is aware and has proof in the attachment labeled Exhibit A, and Exhibit B that USAA Credit Card Payments is in violation of 15 USC 1605 because Congress states the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. USAA Credit Card Payments is charging me a monthly fee and it is unlawful to do so, because the finance charge is the sum of all charges. Fact, affiant is aware and has proof in the attachment labeled Exhibit A, and Exhibit B that USAA Credit Card Payments is in violation of 15 USC 1605a ( 1 ) because Congress states the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : 1. Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. USAA Credit Card Payments charged me interest on this bill which is unlawful. Fact, affiant is aware and has proof in the attachment labeled Exhibit C that USAA Credit Card Payments is in violation of 15 USC 1611 because Congress states whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder. USAA Credit Card Payments did not disclose any information regarding the finance charge, which is a criminal liability violation under this act. Fact, affiant is aware and has proof in the attachment labeled Exhibit C that USAA Credit Card Payments is in violation of 15 USC 1666b ( 1 ) because Congress states the purpose of this section, a billing error consists of any of the following : ( 1 ) a reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. USAA Credit Card Payments sent me a bill in positive characters of, new balance {$10000.00} and minimum payment due {$220.00}. This is a billing error, because if I am owed, it should always be in negative characters. Fact, the Fair Credit reporting Act noticed accuracy and fairness of credit reporting. Fact, the Fair Credit Reporting Act states that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Fact, the Fair Credit Reporting Act states consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Fact, the Fair Credit Reporting Act noticed an elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Fact, the Fair Credit Reporting Act is states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Fact, the Fair Credit Reporting Act states consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled Exhibit A and Exhibit B that USAA is in violation of 15 USC 1681d ( 1 ) because Congress states the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit or insurance to be used primarily for personal, family, or household purposes. USAA tarnished my credit worthiness, credit standing, credit capacity and general reputation by closing my checking, savings, and business credit cards without my consent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A