Date Received: 2019-12-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: TO : XXXX XXXX CFO/CEO/AGENTS This constitutes an Official Notice in accordance with the Fair Debt Collection Practices Act and the Truth In Lending Act, that I hereby Dispute the debt in the above referenced account. It has come to my attention that there may have been some accounting irregularities in this account which have adversely affected me. In reviewing the account, it has come to my attention that fraud and/or other violations of public policy may have occurred in the operation of this account, therefore, I will be conducting discovery to determine the true facts in this matter. This constitutes the exhaustion of my administrative remedy, in accordance with the Administrative Procedures Act, as concerns the above referenced matter. This discovery process has been presented under Notarial Seal for the purpose of certifying the admissions, confessions and stipulations of the Parties, to create a public record thereof, via the issue and filing of an Administrative Declaratory Judgment, by Notarial Protest. Said Administrative Declaratory Judgment is issued under statutory authority and under the authority of the Secretary of State, acting as an agent of the Department of State, and carries the power and authority as if issued by the highest court in the land. Said Judgment constitutes res judicata, star decisis, collateral estoppel and judgment by estoppel. Please take note that this discovery process has been served under Notarial Seal and valid subpoena establishing your mandatory obligation to timely respond and/or rebut the following, point by point and line by line, verified true, correct and complete, signed, sworn to and notarized in affidavit form and to provide certified copies of the requested documentation. Please respond and/or rebut the following, point by point and line by line, in affidavit form, and provide documentary evidence to support your claim. It has come to my attention that since XXXX, when Franklin D. Roosevelt took all of the gold and silver out of circulation, that we have no currency of value or substance with which to pay a debt. Our economic system operates on credit and debt. If we have no currency of value or substance in circulation today, then one must wonder, what did the Bank loan me? It is unlawful for the to bank loan me their credit. So, what did this bank, agency or corporation, loan me? What value/substance did the bank loan me? Please provide the evidence that USAA FEDERAL SAVINGS BANK loaned me anything of value. At the closing, I placed my signature on a Promissory Note which I gave to the company in the exchange. Said Promissory Note had no value prior to my placing my signature on it. Did it not? There are no other signatures on said Promissory Note, therefore, it was my signature that gave the value to the Promissory Note which I gave to the Bank in the exchange. Was it not? Since XXXX the United States has operated upon the good faith and credit of the American people, not the good faith and credit of the Banking industry. Has it not? The government, including the government sanctioned corporations, institutions and banks, have no authority to create money. Only We the American people can create money. We the American people are the originators of the money and are therefore the Creditors. Are we not? When I placed my signature on the Promissory Note, giving value to the Note, I was the originator of the funds and, therefore, the Creditor of the transaction. Am I not? California Code section 1707.01 ( b ), and other similar state codes, define a Promissory Note as a security. Title 12 section 1813 ( L ) ( 1 ) states that when one deposits a Promissory Note it becomes a cash item. California Code at section 1707.261 states that I have a right to restitution and rescission if the bank sells an unregistered security. It has come to my attention that the Promissory Note which I executed is an unregistered security and that it may have been sold, traded or assigned in violation of state statutes. Please provide me with a certified copy, front and back, of the original Promissory Note which I signed and presented to the company in this transaction and the lawful authority which authorized the Bank to engage in the sale of an unregistered Security, in this transaction. Your failure to provide me with documentary evidence of the lawful authority shall constitute your stipulation that no lawful authority exists and your tacit confession to the unlawful sale of an unregistered security in violation of state statute. It has also come to my attention that shortly after the closing that the Bank deposited said Promissory Note as a cash item and ledgered said Note as a liability in the banks Payables Account and identified ME as the Creditor in the account. Did they not? It is also my understanding that the company, in accordance with GAAP, ledgered the debt, as an asset in the companys Receivables Account and identified ME as the debtor in the account. Did they not? It is further my understanding that because I failed to see through the banks carefully designed illusion and instruct the bank to make the financial adjustments to XXXX the account in the set-off, the bank posted their liability/my asset in their Payables Account as an off-balance sheet entry and after a period of time the funds were claimed as abandoned funds. Were they not? It is also my understanding that the international accounting system called Basel II and/or Basel III have been fully implemented ; that off-balance sheet accounting is unlawful, and that all banks and lending institutions must be in compliance therewith. Are they not? Please provide documentary evidence that you are Basel II & III compliant. UCC 3-104 ( a ) & ( c ) and UCC 105 ( a ) ( c ) makes it clear that I was the Issuer, Drawer, Maker of the Note that I executed, giving it value, at the closing, while UCC 8-102 ( 12 ), ( 15 ), ( 9 ) and UCC 8-105 leaves no doubt that I am the holder of the entitlement right to the funds. I am the Creditor and entitlement holder with the authority to issue Entitlement Orders as concerns this transaction and/or this account. Am I not? The Bank registered the debt but did not register the Note, therefore, the Note is an unregistered security in accordance with the UCC and International Banking Law. Is it not? Please provide me certified copies of the accounting of the Promissory Note that I executed at the closing, to wit : The Accounts Receivables and Accounts Payables ledgers of this Promissory Note. Please provide me a certified copy, front and back, of the original Promissory Note as well as all assignments of the Note. I request, in the nature of a Demand in Recoupment, that the company merge the Accounts Payables with the Accounts Receivables Account to XXXX the account in accordance with GAAP and Public Policy and/or provide me with documentary evidence that authorizes the companies to conceal said funds for the purpose of dispossessing me of said funds. Your failure herein shall constitute your admission that no valid authority exists and that the companys operation of this account is unlawful and fraudulent. Your failure to timely respond and/or rebut the foregoing, point by point and line by line, in Affidavit form, shall constitute your admission and stipulation to the stated claims and establish the evidence as a matter of fact. Your failure to respond, a partial response, or a non-responsive response shall constitute a dishonor and your agreement and stipulation to the facts as set forth herein. Your failure to respond in affidavit form, signed, sworn to and notarized and/or your failure to provide certified copies of the requested documentation shall constitute you a dishonor and shall result in the issue of a Declaratory Judgment, by Default, certifying the stipulation and agreement of the Parties. Said Declaratory judgment, by Notarial Protest is as bringing on the Parties and their privies as if issued by the highest court in the land and constitutes res judicata, star decisis and an estoppel. Respondents failure to respond shall constitute your agreement that the process is free of error and/or omission, lawful or otherwise, having had the opportunity to respond and provide documentary evidence in affidavit form, and choosing to demur and stipulate to the facts as set forth by Claimant creating a binding contract between the Parties. Your dishonor constitutes an estoppel and your voluntary waiver of all rights and remedies that may otherwise exist and your agreement to confess judgment in this matter. Executed this XX/XX/XXXX. `by : XXXX XXXX XXXX AUTHORIZED REPRESENTATIVE
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: USAA FEDERAL SAVINGS BANK XXXX XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OHXXXX Date : XX/XX/2019 RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON CORPORATIONS CONTRACT, FOR DETERMINATION OF MEETING OF THE MINDS, FRAUD ON THE CONTRACT, AND/OR AN UNCONSCIONABLE CONTRACT AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE Mortgage Loan # XXXX Instrument # XXXX Book 524 Page 331. Public Notice To : XXXX XXXX Dear Mr. XXXX XXXX/ Senior Supervisor, USAA Federal Savings Bank is the Lender described in Definition D, of the Security Instrument Title MORTGAGE upon which ( XXXX XXXX XXXX ) is the borrower described in Definition B. This MORTGAGE has been sealed, delivered and recorded by the borrower in Book 524 Page 331 at XXXX County Recorders Office and as of today has not been acknowledged by the lender, You ( XXXX XXXX ) therefore have 15 days to execute and record your acknowledgment of said MORTGAGE, or you ( XXXX XXXX ) are in breach of contract and transgressing Gods Law. As this instrument is already public record and full proof of evidence which has been recorded by XXXX County Recorders Office. As the MORTGAGE is a Security instrument, I also ask for a certified copy of the lawfully recorded Lien that this MORTGAGE is a Security instrument for to be mailed along with certified copy of your recorded acknowledgement of the MORTGAGE to my mailing address provided above. If a lien is not recorded delivered nor noticed then it is a statutory lien. Statutory liens have been ruled unconstitutional by the U.S. Supreme Court in XXXX XXXX XXXX being 171 US 404. Without a lawful recorded lien, the Security Instrument is a false obligation, a breach of good faith, and a sin to compel my performance. If copies of the recorded lien and your acknowledgement ( Signature ) of the MORTGAGE are not delivered within 15 days then as Grantor of the MORTGAGE. I revoke it, and demand that my securities and or their conversion and gain be returned to me Immediately. This includes the title to the real property, as well as the value of the personal property and Satisfaction/release of MORTGAGE. If necessary to compel you ( XXXX XXXX ) to conduct your business in good faith as I will petition the Bishop of this Diocese as the Judge of the first instance for his assistance in gaining the return of my property and to inquire into the business practice of your corporation, he having exclusive Jurisdiction over faith, sin, law of contracts, oaths, investments under notary seal and the like. I am sure you ( XXXX XXXX ) are aware that the XXXX XXXX and its Courts have jurisdiction over the entire world. Ive come to you ( XXXX XXXX ) first to settle the matter and ask you ( XXXX XXXX ) let your conscience be your guide, adhere to your oath, and operate in good faith. Failure to do so could be construed as heresy an eternal XXXX for your soul. Fear XXXX. Mail your acknowledgement of the MORTGAGE and certified copy under oath of the recorded lien ; Title to the real property and any conversion and gain of the personal property to My address. In Closing, your ability in this matter to operate in the unconscious world is terminated, and you are personally responsible and bound by oath for the actions of the corporation you represent. I XXXX XXXX XXXX Testify to this statement of Facts. As to Witnesses to the Facts by Consumer Financial Protection Bureau and XXXX County Recorder 's office.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: RE : XXXX XXXX XXXX, Account # : USAA Auto Loan XXXX USAA has unprofessionally stalked my credit report, changed dates multiple times, and reflected inaccuracies in blatent disregard multiple times over the past 6 years. USAA is taking revenge on me and damaging my credit score. I pay all my bills on time and can not get a break because USAA is predatory. This latest discrepancy is USAA is reporting this Auto Loan Charge Off as : INACCURACY # 1 : Last Payment Made : XX/XX/XXXX. The vehicle was repossessed in XX/XX/XXXX so how could the last payment be made XX/XX/XXXX? INACCURACY # 2 : USAA is inaccurately reporting that the last payment was made in XX/XX/XXXX and at the same time saying the account was not closed until XX/XX/XXXX ( 5 years later ). USAA is purposely punishing me and slandering my credit report. I will give USAA 30 days to delete this MISLEADING and INACCURATE credit entry from all three Credit Bureau 's. I have written multiple times and USAA has refused to take responsibility and correct their blatant errors.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: ID
Zip: 83634
Submitted Via: Web
Date Sent: 2019-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: To : USAA Federal Savings Bank XXXX XXXX CEO Respondent RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON CORPORATIONS CONTRACT, FOR DETERMINATION OF MEETING OF THE MINDS, FRAUD ON THE CONTRACT, AND/OR AN UNCONSCIONABLE CONTRACT AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE Dear Mr. XXXX XXXX, I have tendered Payment to you by Promissory Notes. You have accepted my payment and have not yet have discharged the debt. I have sent you numerous letters and notice of default/dishonor on your part. I have submitted Complaints to The Consumer Financial Protection Bureau. To include XXXX, XXXX, XXXX. You have refused to answer my questions and provide information on my Original Wet Ink Promissory Mortgage note. As the creator of the negotiable instrument which you sold and did not offset the account. I have provided you several tenders of payment and all the laws that provide me the remedy to discharge the debt. You have not provided the contract with your signature or a bank officer 's signature. A contract must have value and consideration to be a valid contract. You have not shown me that you loan me anything. Answer the these questions and provide a affidavit of truth with your bond ( legal full name signature ) that you or USAA FEDERAL SAVINGS BANK loan me something of value. I am in receipt of the presentment sent by USAA FEDERAL SAVINGS BANK and I conditionally accept for value ( honor ) your statement for XXXX, dated XX/XX/XXXX. It has come to my attention that, as applied to the above matter, there may not have been a true, qualified meeting of the minds- that there may be fraud or misrepresentation on the contract, and/or the contract itself may be an unconscionable contract, or other controversies may exist within this contract/transaction. As I want to resolve this matter as soon as possible, I am initiating this private, administrative remedy to determine such matters, and I agree to continue making payments predicated upon your proof of claim. The necessary Proofs of Claim are set out below, to wit : 1. PROOF OF CLAIM that Respondent gave FULL DISCLOSURE to all matters dealing with said contract as to the U.S. bankruptcy, form of payment, what was loaned, etc. 2. PROOF OF CLAIM that the agent in sending the undersigned DEMAND FOR PAYMENT OF DEBT letter via US Mail does not constitute a mailing of a fraudulent claim and/or committing mail fraud ( Title 13, Sect. 1331 USC ). 3. PROOF OF CLAIM that Respondent as an artificial entity/creature, created under the laws of the State of OHIO and doing business in the State of OHIO, by and through its officers, board of directors, employees, and agents are not bound to support Article I, X, of the U.S. Constitution that, as a state-created entity, reads, No State shall make any Thing but gold and silver Coin as Legal Tender in Payment of Debts, and that any such thing as gold and silver coin exists as legal tender in payment of debts. 4. PROOF OF CLAIM that of the value ( substance ) demanded in the DEMAND FOR PAYMENT OF DEBT is in the nature of Valuable Consideration called money and is in compliance with Title 31 UNITED STATES CODE 371 and 12 UNITED STATES CODE 152. 5. PROOF OF CLAIM that Respondent inquired or knew that the undersigned had, or has access to, lawful money of account to pay the contract debt ( s ) at law without becoming a tort feasor. 6. PROOF OF CLAIM that the undersigned had/has access to money that constitutes LAWFUL ( sufficient ) CONSIDERATION. 7. PROOF OF CLAIM that the use of a ( Federal Reserve ) Note, or instruments certifying conveyance of Federal Reserve Notes, is not only a promise to pay. See Fidelity Savings v. Grimes, 131 P2d 894. 8. PROOF OF CLAIM that Legal Tender ( federal reserve ) Notes, or instruments certifying conveyance of Federal Reserve Notes, are good and lawful money of the United States. See Rains v. State, 226 S.W. 189. 9. PROOF OF CLAIM that Federal Reserve Notes, or instruments certifying conveyance of Federal Reserve Notes, are not valueless. See IRS Codes Section 1.1001-1 ( 4657 ) C.C.H. ( Note : Federal Reserve Bank says Federal Reserve Notes have no value. ) 10. PROOF OF CLAIM that ( federal Reserve ) Notes, or instruments certifying conveyance of Federal Reserve Notes, do operate as payment in the absence of an agreement that they shall constitute payment. See Blackshear Mfg. Co. v. Harrell, 12 S.E. 2d 766. 11. PROOF OF CLAIM that the undersigned had a meeting of the mind ( s ) with Respondent pursuant to the contract/agreement in respect to full disclosure and that said contract contained or contains no elements of fraud by Respondent. 12. PROOF OF CLAIM that Respondent did not make their contract/agreement beyond the scope of its corporate powers, and the contract is not unlawful and void. ( see for reference McCormick v. Market Natl. Bank, 165 US 538 ) 13. PROOF OF CLAIM that the Negotiable Instrument Law was not designed to cover commercial paper which IS the currency. La. Stat. Ann. R.S., 71 et. seq. LSA-C.C., Art. 2139 ( refer to the Affidavit of XXXX XXXX ) 14. PROOF OF CLAIM that Respondent did not loan their credit and that the undersigned IS ONLY OBLIGATED to pay back in something other than like kind, i.e., debt instruments. 15. PROOF OF CLAIM that the U.S. bankruptcy did not impair the obligations and considerations of contracts through the Joint Resolution to Suspend the Gold Standard and Abrogate the Gold Clause of XX/XX/XXXX as it may operate within the State of OHIO. 16. PROOF OF CLAIM that the State of OHIO did not adopt, in some capacity, the Uniform Commercial Code and that all transactions included but not limited to courts are governed under the UCC and/or the Negotiable Instrument Law as designed to cover commercial paper which IS currency. La. Stat. Ann. R.S., 71 et. seq. LSA-C.C., Art. 2139. 17. PROOF OF CLAIM that under the Negotiable Instrument Law, commercial Paper not limited to Bills of Exchange are not money ( currency ) in respect to the National Emergency and the Uniform Commercial Code and are not to be accepted to discharge debt. 18. PROOF OF CLAIM that the undersigned can not accept for value any public or private presentment, invoice, Bill, etc. for fine, fee, tax, debt, or judgment and discharge the same with a Bill of exchange or other commercial paper as necessary to carry on commerce. 19. PROOF OF CLAIM that Respondent, by and through its employees, knew or did not know that this transaction was beyond the scope of its Charter and that Respondent did not intend to bind the undersigned to an unconscionable contract. 20. PROOF OF CLAIM that Respondent, by and through its employees and agents, did not commit fraud on the contract in respect to the account/contract referenced above in any capacity. 21. PROOF OF CLAIM that your DEMAND FOR PAYMENT OF DEBT letter does not, therefore, constitute an attempt by Respondent at unjust enrichment. 22. PROOF OF CLAIM that the commercial instrument or Bill of Exchange tendered was not refused and returned within three days pursuant to Nygaard v. Continental Resources , Inc. ( 598 N.W. 2d 851 ( 1991 ), 39 U.C.C. 2d 851 ) The court held that, under 2-511 ( 2 ), tender of payment is sufficient when it is made by means current in the ordinary course of business, unless the seller demands payment in legal tender. Here, XXXX spoke to XXXX several times after receipt of the sight draft and never requested payment in legal tender. Payment to extend the lease was due by XX/XX/XXXX, and the rejection of the sight draft did not occur until XX/XX/XXXX. XXXX rejection was, thus, untimely and tender of sight draft was sufficient to extend the lease. 23. PROOF OF CLAIM that the undersigned, as the authorized representative of the Debtor, does not have the standing or capacity to accept for value the offer/contract/presentment and discharge the same via Bill of Exchange or other appropriate commercial paper for discharge via the remedy provided by Congress, XXXX XXXX of XX/XX/XXXX and Public Law 73-10. General acquiescence or non-response by Respondent to provide the above Proofs of Claim will constitute agreement and formal acceptance. Respondent will have, by your non-response, to state a claim upon which relief can be granted. Otherwise, it shall operate as general acquiescence relative to this presentment. Respondent will have admitted there is no valid Claim of Action arising via contract and/or compelling the undersigned into an unconscionable contract and that there was no meeting of the minds in respect to the alleged contract. You will have formally accepted each and every fact herein as they operate in favor of the undersigned due to your silence, and estoppel is in effect. You admit to your non-response to bring forth Proof of Claim in support of a clean hands doctrine, full disclosure, good faith dealing pursuant to the FAIR DEBT COLLECTIONS PRACTICES ACT as it may apply to your presentment in regards to this alleged transaction/contract as referenced above. Therein, presumption will be taken in regards to your refusal, failure, default, and dishonor, admission, and confession of injury and damage and failure to state a claim by you, Respondent. This Conditional Acceptance becomes the security agreement under commercial law, or in the alternative, you agree and stipulate that the undersigned can only discharge the demand payment letter/Bill/presentment/etc. with a Bill of Exchange or other commercial paper and that Respondent will accept said instrument as tendered to discharge the debt under necessity. Or if the previous instrument ( Bill of Exchange ) was tendered and not accepted, you agree that the matter/account/debt is discharged as an operation of law in tender of payment and/or bankruptcy. Due to the time-sensitive nature of this private matter, under necessity, you are to respond with Proof of Claim within ten ( 10 ) days, plus three ( 3 ) days grace granted by return service by certified priority return mail to the undersigneds address and to the Third Partys address below. Should you fail or refuse by non-response to provide Proof of Claim within the time frame specified in this private matter, general acquiescence and acceptance will be taken on your part as formally exercised ( performed ) pursuant to your silence. This agreement shall have the effect of an instrument under seal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have been a customer of USAA since XX/XX/XXXX, but on XX/XX/XXXX, I became a victim of financial profiling by USAA. USAA violated my civil liberties, financial security, and privacy by threatening to suspend online access to my financial accounts, if I failed to provide information on my 1 ) annual income ; 2 ) estimated net worth ; and 3 ) status as a current or former high-level elected or appointed foreign government official, or a relative or close associate of one. Moreover, it is my belief that USAA is using the Patriots and Bank Secrecy Acts to gather intelligence on high-ranking military personnel for purposes incongruous with U.S. banking laws. Its action to suspend my online access to my financial accounts for the sole purpose on gathering information not relevant to my banking activities or needs violates my privacy, financial security, and civil liberties, as an American citizen and veteran of the United States military.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-23
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2019-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I arrived to New Mexico XX/XX/2019, due to a military XXXX XXXX XXXX from XXXX XXXX. Needing transportation to and from work, through USAA Savings Bank, I financed a XXXX XXXX XXXX for roughly 17k on or around XX/XX/2019. The loan was scheduled to start XX/XX/2019, or when the loan was finalized. I was on the phone the whole time with USAA while I was purchasing the vehicle from a XXXX dealership in XXXX XXXX, TX. On that day, I set up " Auto-Pay '' for my loan through USAA. The process was simple, due to the fact that USAA was my primary banking institution for about 5 years. They had most of my information on file. That day, I even got my auto insurance from USAA. On XX/XX/2019, I was on the phone with USAA. Reasons ranging from my anxiety to confirm a payment would not be missed, to trying to stay on top of a lot of money coming in and out from the international military move. I recall specifically, discussing the " auto-pay '' subject. The USAA representative assured me that I had " nothing to worry about ''. I was told that my auto-pay was set-up and I have provided all the information and paperwork necessary. I was told that when the loan was started, my auto-pay would kick in. ( This phone call is recorded and on record, it was confirmed by another USAA representative ) On XX/XX/2019, around XXXX XXXX, I received a call from USAA informing me that I am 3 payments behind. XX/XX/XXXX is thirty-six ( 36 ) days past due. At thirty ( 30 ) days past due, USAA reports late payments to the credit bureau. Any payment determined to be late, accrues a late fee. So, at thirty-six ( 36 ) days past due and just being notified for the first time, my head was spinning. By being notified at thirty-six days past due, I was unable to prevent those penalties. XX/XX/XXXX was the first time I was notified. Prior to that day, I had received no phone calls, I had received no emails, I had received no postal mail from USAA regarding the late payments. As soon as I found out I was late on payments, and being short on money from the military move, I made one payment as soon as I could. That day, after work, I spent 3+ hours on the phone with USAA , trying to get to the bottom of everything. I was met with a lot of incompetence and unhelpful representatives. Being transferred from person to person, department to department. Not really ever getting the exact facts on why it took thirty-six days to notify me and why my auto-pay never kicked in. I had USAA representatives tell me that everything was setup for auto-pay and that it was " weird '' I was never notified. To people telling me to just pay and it is my fault. I was able to get one person that gave me a little more information on the situation. My phone records show calls to and from USAA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Almost all calls I raised the issue and had to re-explain the situation to every USAA rep. On XX/XX/2019, I was told by a USAA representative, that the XXXX dealership in XXXX XXXX, TX never sent the proper paperwork required to USAA for the auto loan to start until XX/XX/2019. According to the USAA rep, by not sending the paperwork, my auto-pay was never triggered to start when it should have on XX/XX/2019. Same goes for the " debt notifications ''. How it was explained to me, is that I fell through the cracks. Because I had a loan agreement, I was accruing debt from the auto loan but not having actual debt in USAAs system. Since XX/XX/2019, I called USAA PLENTY of times to find out what exactly happened. To this day, I still get different stories on what happened. Following the XX/XX/XXXX phone call, I filed a " credit dispute form '' through USAAs website. Weeks later, USAA responded with a blanket statement, saying they only report what is reflected in their records. Their records have me thirty-six ( 36 ) days past due on three ( 3 ) payments. Nothing about their faulty system and me not knowing I even had a debt. My credit score took a major hit. First time in my life I had late payment ( s ). I had excellent credit and excellent payment history. From some of my other calls, it was discovered that the dealership did everything on their end, allegedly, according to USAA and the dealership. It is still unknown what happened on XX/XX/2019, that finally pinged USAAs debt department to call me two days later. It was said that the dealership " cleared '' the check given to them by USAA for the car on that date. Different USAA reps and departments say different things. On XX/XX/2019, I was told by one USAA representative, that because of how USAAs auto loan system is, that even if I had noticed my payments were late or not being paid, I would not have been able to make the payment anyway. Due to the issue with the dealership paperwork. That sounds illegal, for me to owe a debt and not be able to pay that debt in a timely matter, before fees and penalties occur. I had two or three USAA reps confirm that unjust faulty issue of not being able to pay due to USAAs inept payment system. One USAA rep even agreed that it sounds illegal. XX/XX/2019, I went to my base legal office for instruction on how to further proceed with this situation. I was told to start with this report and follow-up from there.
Company Response: Company believes complaint is the result of an isolated error
State: NM
Zip: 88011
Submitted Via: Web
Date Sent: 2019-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-22
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: After numerous attempts, USAA categorically refuses to delete my membership. This represents a personal security risk.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76244
Submitted Via: Web
Date Sent: 2019-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-21
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: A fake company sent me checks worth $ XXXX, this money should have been to purchase computer systems for my new at home job position. The checks were deposited in my USAA bank account and cleared right away. The money was used to pay a fake vendor for the products that should have been delivered to my address the following morning. In conclusion, 5 days later USAA send me the return checks, take {$5000.00} of my hard-earned money and said that is the way the bank works and they cant do anything. You should have read the regulations about transactions. I would have never sent that money if USAA wouldnt have cleared the money and made me believe that money was in my account just to turn around and take it away. YES, I got scammed by a someone using the name of real company that sent a check from a real bank that was not real, but I was totally mislead by USAA and their procedures when they clear the check and then take my money when it got returned. That money should have NEVER shown in my account until the transaction was confirmed. Now, USAA dont see this as a real issue but scammer is using this unloyalty and unethical practice to continue ripping people off and nobody seems to care or thinking about doing anything to prevent these scams. USAA LIED TO ME AS MUCH AS THOSE SCAMERS DID. I hope someone reads this and do something about it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2019-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: USAA violated the Electronic Fund Transfer Act and Regulation E by failing to properly honor consumers stop payment requests on preauthorized electronic fund transfers on account number card number XXXX I am disputing the XXXX debited from my account not related to the contract with the XXXX : 1.Agreement # /Memeber number # with XXXX XXXX dated XX/XX/XXXX - XX/XX/XXXX is in error. 2 The agreement was made on XX/XX/XXXX, but was cancelled on XX/XX/XXXX with the school and Facts and the girls last day was XX/XX/XXXX not XX/XX/XXXX. I never agreed to update the card for any auto pay XX/XX/XXXX with card number XXXX. The contract with Facts only supports an eft/auto pay from card number XXXX account USAA # XXXX closed and card cancelled Under the advise of USAA we agreed to use the USAA bill pay program and not use the card and account for auto/pay XX/XX/XXXX a onetime payment was was made and a fee charged and paid to settle account arrears. Again in support of my refusal to update the account with auto pay and settle the account with one time payments. USAA has failed to resolve the XXXX auto dispute complete reasonable error resolution investigations. Even after being provided the fraudulent contract stating it was valid XX/XX/XXXXXX/XX/XXXX/see supporting documents in support of Contract was valid XX/XX/XXXX-XX/XX/XXXX with XX/XX/XXXX as withdrawn date.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A