Date Received: 2024-02-17
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I requested from United states Automobile Association, as I am a client, that I would like to disassociate XXXX from any and all of my banking accounts. I never received a response and I believe that funds have been withdrawn from my accounts without my authorization. Also on my mobile application for USAA it stated that the federal savings bank was not Federal Deposit Insurance Corporation insured however ; according to the FDIC website that is incorrect.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, i was working whenever i received a call from my bank USAA stating someone was attempting to take {$1000.00} from my savings account. i was worried and my family has had scammer issues lately, so i believed it in the moment. During the phone call I was sent texts with verification codes claiming to be from USAA, so i gave it to the caller. They asked to guide me by telling me to share my phone screen with them, and help transfer funds from my savings account to my checking account. Then they told me I was going to get a new card and to temporarily hold the funds on a card they gave me information for in the downtime. then i began transferring funds in the balances told : On XX/XX/XXXX around XXXX - + {$500.00}, + {$510.00}, and + {$520.00} were added onto XXXX XXXX XXXX then transferred {$1500.00} to XXXX XXXX XXXX XXXX callers card info ). Again on XX/XX/XXXX around XXXX + {$520.00}, + {$540.00}, + {$510.00}, + {$520.00}, + {$500.00}, + {$200.00}, were added again onto XXXX XXXX XXXX, next another transfer was made to XXXX XXXX XXXX for {$2700.00} for a total of {$4300.00} sent to the card information i was told to temporarily hold funds on. After these transactions they told me i would be receiving the card i just transferred all the funds onto, and my current ( at the time ) debit card would be compromised. it was followed by the caller swiftly hanging up and then called my parents to tell them i saved my account, my bank just called and they told me the area code of the Caller ID calling me didnt match my banks location. We realized i was scammed so I left work to go home and call USAAs fraud department, sparking an investigation. I released all the evidence of the incident through screenshots of the transaction history and the brief card information available still on the account. i also gave them the phone number that called me but after many days i was given a provisional credit which was revoked upon the cases decline. Prompting me to contact CFPB.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/24 I made an appointment to access my safe deposit box located with and at USAA Federal Savings Bank, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX ; Safe Deposit = XXXX ( XXXX ) XXXX. I was advised over the phone to bring my safe deposit box key and identification ( nothing more ). I arrived early and was greeted by XXXX XXXX XXXX. I presented my TX drivers licensee and key. With that, I was not granted access to my deposit box. Instead I was asked, " What is you annual income? '' I responded, " What does that have to do with gaining access to my safe deposit box? '' She did not provide an answer, and said that for me to gain access, I had to answer the question. I asked, on what basis, and what business is that of yours anyway ( USAA )? She said that it was a requirement of USAA and they wanted to know their customers ( I have been one for 52 years -- they know who I am already. ) I then stated I would gain access by simply closing the safe deposit account. She responded that I could not do that until I first disclosed my annual income. I requested to talk to her supervisor. This was initially denied. XXXX XXXX then appeared after a 45 minute hassle. She repeated the stance. I asked for their legal authority. She responded that it was in the safe deposit agreement that I signed. I asked that she show me. She departed only to return to say, " it is not in there. '' So I again demanded access. It was still denied. So I said what is the authority that you deny me access. She said that it would be in the Patriot Act and I should go look it up. I replied that such was not an acceptable response and I requested that a USAA rep meet with me immediately who could justify the denial access. This was refused. I was then told they would waive the requirement if I wished to close the account. I chose not to do that and departed without access. XXXX XXXX said she would forward my concerns. This is an illegal intrusion into my privacy. I was not applying for a loan, only to access my safe deposit box.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX, XXXX XXXX became a victim of theft by XXXX XXXX and USAA. The victim, referred to as XXXX, became a victim of identity theft on or about XX/XX/XXXX, regarding a XXXX XXXX XXXX VIN # XXXX because of a forged negotiable instrument ( promissory note ) signed by XXXX XXXX XXXX Business Manager XXXX. XXXX at XXXX XXXX XXXX by presenting the victims government identifi cation, forged instrument, and fake power of attorney toconceal crimes of fraud for personal gains and profi t. The victim completed the FTC Identity Theft Report, IRS Identity Theft Form14039, along with IRS Form 3949-a Information Referral to the Department of Treasury/IRS in XX/XX/XXXX and XX/XX/XXXX, notifying the local IRS-CI and FBI Offi ces of the fraudulent activity and criminal investigation. Due to the extent of the fraud, the SecretService was notifi ed by government agents along with the DOJ. The victims fi nancial institution, XXXX XXXX XXXX XXXX, conductedan internal audit ( Case # XXXX ) and found that the account resulted from identity theft ; however, on XX/XX/XXXX. XXXXXXXX XXXXexecutives misled the XXXX Police Department regarding Case # XXXX by misrepresenting information regarding theXXXX XXXXXXXX XXXX , violating- 43 CFR 20.510 : Fraud or false statements in a Government matter.- An employee shall not, in anymatter within the jurisdiction of any department or agency of the United States, knowingly or willfully falsify, conceal, or cover up byany trick, scheme, or device a material fact or make any false, fi ctitious, fraudulent statements or representations, or make or use anyfalse writing or document knowing the same to contain any false, fi ctitious or fraudulent statement or entry ( 18 U.S.C. 1001 ). 17 CFR240.15c1-2 : Fraud and misrepresentation : ( a ) The term manipulative, deceptive, or other fraudulent device or contrivance, as used insection 15c1 of the Act section 2, 52 Stat. 1075 15 U.S.C. 78o ( c ) ( 1 ) is hereby defined to include any act, practice, or course of business that operates or would operate as a fraud or deceit upon any person. ( b ) The term manipulative, deceptive, or other fraudulent device or contrivance, as used in section 15 ( c ) ( 1 ) of the Act, is hereby defined to include any untrue statement of a material fact and any omission to state a material fact necessary in order to make the statements made, in the light of the circumstances under which they are made, not misleading, which statement or omission is made with knowledge. The victim enclosed supporting document provided to XXXX XXXX XXXX XXXX XXXX XXXX of the open cases, a copy of the victims Identity Theft Report filed previously on XX/XX/XXXX, FTC report # XXXX. FTC Report number XXXX regarding XXXX XXXX, FTC Memo to Law Enforcement ; Noticespecifi es responsibilities when the furnisher receives notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. The victim 's credit reports showed the fraudulent items were the result of ID theft ; subsequently, they were removed from the victim'scredit on XX/XX/XXXX. USAA, in bad faith and unclean hands, failed to pay out the claim, stating the victim made a false misrepresentation in a letter provided to the victim on XX/XX/XXXX, conspiring with XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: USAA Account # XXXX Dear XXXX XXXXXXXX XXXX XXXX XXXX XXXX USAA and All others, I, XXXX, XXXX, Original Creditor and Natural Living Woman, hereby rescind my consent to be liable or compelled to perform regarding the contract agreement ( Asset-Backed Securities ) that was entered with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I allegedly entered into a contract agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) without the following : I. Full disclosure of my rights to rescind XXXX. Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ) IV. Misrepresentation of the finance charge V. Failure to inform that fraudulently forged contract was a financial asset I have reason to believe that XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally, and with malice took advantage of my consumer credit by unjust enrichment. After thoroughly reviewing all documents in my possession and having a certified forensic audit conducted, I have found several abusive, oppressive, deceptive, misleading, defamatory, and unconscionable violations. XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ), in conjunction with USAA, my commercial XXXX institution, has lied, cheated, and stolen from me. It appears that XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( XXXX ) are engaging in FRAUD by way of forgery, identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, computer fraud, terrorism, human trafficking, extortion, fraud in the execution, conspiracy with the intent to defraud, Securities fraud Racketeering, amongst other white-collar crimes. I did NOT, or do NOT ratify, any unauthorized acts by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nor have I accepted any benefit from its unauthorized acts. Moreover, I choose not to do business with you and your partner ( s ) /affiliate ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY!! YOU are to cease further communication with me regarding the collection of such alleged debt regarding forged security. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( XXXX ), The Securities XXXX XXXX ( SEA ) of XXXX and XXXX, the Foreign Corrupt Practices Act ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Indenture Trustee Act ( XXXX ), the Consumer Financial Protection Act ( XXXX ), the XXXX XXXX XXXX Reform and Consumer Protection Act, the Fair Debt Collection Practices Act ( FDCPA ), the Federal Trade Commission ( FTC ) Act ; the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ; the Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 ; the Truth-in-Lending Act ( TILA ) ; the Federal Reserve Boards Regulations B and Z ( FRA ) ; the Gramm-Leach-Bliley Act ( GLBA ) ; the Fair Credit Extension Uniformity Act ( FCEUA ), the Racketeering influenced and corrupt Organizations Act 18 section 1962 ( hereinafter referred to as RICO ) ; the Magnuson-Moss Warranty Act ( MMWWA ), the Uniform Commercial Code ( UCC ), state adaptations of the Uniform Consumer Credit Code ( UCCC ), state motor vehicle retail installment sale and loan Acts, state servicing laws ; state insurance laws and other state and federal violations. Now know that XXXX, XXXX, XXXX, have revoked, rescinded, annulled, and made void, and by these presents revoke, countermand, annul, and make void the said letter of agency/attorney and all power and authority given or intended to be given to the said XXXX XXXX XXXX XXXX XXXX USAA and it affiliate partners XXXX Therefore, I also revoke, cancel, and make void ab initio all powers of attorney and substitution, in fact, in presumption, or otherwise, signed by either me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney, and substitution, pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. Who are you, and under what authority did you, or do you continue to contact me? The fraudulent agreement under which you presume some power is only implied by a simple contract. Again, any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Under your debt scheme, whereas on XX/XX/XXXX, XXXX of XXXX, XXXX XXXX XXXX, XXXX ABS Funding, XXXX XXXX XXXX, XXXX XXXX Receivables XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inclusive and USAA engaged in a XXXX whereby they issued Auto Loans to consumers and then sought to collect the amounts allegedly due to them that were not legally nor lawfully due/owed to them. At all times relevant hereto, XXXX of XXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as " the securitization '' ) scheme. In order to earn securitization income from the Auto Loan securitization, XXXX of XXXX sold its Auto Loan receivables to the XXXX XXXX Receivables Trust XXXX. The Auto Loan securitization process is set forth in the amended and restated Pooling and Servicing Agreement ( XXXX ) between XXXX of XXXX, as seller, and the XXXX Auto Receivables Trust XXXX trustee. A copy of the relevant portions of the XXXX is attached XXXX, incorporated herein, and marked as EXHIBIT " A. '' Please note that I did not XXXX special authority or express agreement to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) to hypothecate my consumer goods/property ( merchandise title ) and intellectual property to collateralize investments on any future or forward markets or the right to sell on commercial paper. In addition, XXXX XXXX OF XXXX XXXX XXXX XXXX I Business XXXX, General XXXX, and Sales XXXX stated that an illegal and unlawful down payment of {$2800.00} was required XXXX XXXX off the car lot. However, the information provided was false and deceptive, violating XXXX CFR XXXX : False or misleading representations. Moreover, you are under obligation to pay for goods and/or services ( securities/assets ) that you have fraudulently acquired on an open account from XXXX, XXXX, XXXX XXXX XXXX XXXX consumer credit, the producer of the economic value for the transaction, and the supplier of the goods for exchange/trade. You have undeniably committed fraud through misrepresentation and forgery of a registered security in your debt scheme under USAA secured financing after purchasing my asset under the credit transaction and restating your accounts payable liability arising out of the loan contract, having purchased my security as a fictional customer deposit, which is your current liability owed to XXXX, XXXX, the XXXX XXXX XXXX in your balance sheet. The Securities XXXX XXXX of XXXX and Sections XXXX, XXXX, and XXXX of The Securities XXXX of XXXX provide liabilities under the federal securities laws. EXHIBIT " B. XXXX of XXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as " the securitization '' ). Section XXXX ( b ) of the XXXX XXXX XXXX prohibits the use of any manipulative or deceptive device or contrivance in contravention of rules prescribed by the SEC in connection with the purchase or sale of any security or security-based swap agreement. Furthermore, the antifraud rule, XXXX XXXX ; XXXX XXXX prohibits use of any means of interstate commerce to ( a ) employ any device, scheme, or artifice to defraud, ( b ) make material misstatements or omissions, or ( c ) engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security. Please take note that Rule XXXX can be enforced by the SEC in XXXX and civil penalty actions, brought pursuant to XXXX ( d ) of XXXX XXXX Act, and by the Justice Department in actions pursuant to XXXX ( a ) of the Exchange Act, which imposes criminal liability for willful violations of the Exchange Act. Section XXXX ( a ) makes specified persons liable for any untrue statement of material fact in a registration statement or any omission of any material fact required to be stated in a registration statement or necessary to make statements therein not misleading to any person acquiring the relevant security unless the acquirer knew of such untruth or omission at the time of the acquisition. XXXX. Persons Liable If a registration statement is false or misleading, XXXX ( a ) makes liable : a. the issuer; b. the directors of the issuer ; XXXX persons named, by their consent, in the registration statement as about to become directors of the issuer ; d. every person who signs the registration statement ; e. every expert ( e.g., accountant, engineer, appraiser, etc. ) who is named by consent as having certified or prepared any part of the registration statement ; and f. every underwriter of the relevant security. Due to the Unethical Deceptive Practices Acts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA , I demand to be immediately compensated and demand you to perform upon my underlying obligation, which you unlawfully hold in custody or bailment. You are to immediately refund me the value of my securities and the percentage of proceeds realized from monopolizing my species of goods in restraint of trade due to XXXX XXXX committed by the parties as evidenced by XXXX XXXX XXXX. Transfer the securities to my Treasury XXXX Account ( XXXX ) # XXXX. I retain exclusive rights and jurisdiction as the source of the authority, having manufactured the value as I am the holder in due course of the instrument ( XXXX ). Refer to XXXX XXXX XXXX XXXX. HOLDER IN DUE COURSE and 16 CFR Part XXXX Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. XXXX XXXX. PERFECTION OF SECURITY INTERESTS IN PROPERTY SUBJECT TO CERTAIN STATUTES, REGULATIONS, AND TREATIES. ( a ) [ Security interest subject to other law. ] Except as otherwise provided in subsection ( d ), the filing of a financing statement is not necessary or effective to perfect a security interest in property subject to : ( XXXX ) a statute, regulation, or treaty of the United States whose requirements for a security interest 's obtaining priority over the rights of a lien creditor with respect to the property preempt Section 9-310 ( a ) ; ( 2 ) [ list any statute covering automobiles, trailers, mobile homes, boats, farm tractors, or the like, which provides for a security interest to be indicated on a certificate of title as a condition or result of perfection, and any non-Uniform Commercial Code central filing statute ] ; or ( 3 ) a statute of another jurisdiction which provides for a security interest to be indicated on a certificate of title as a condition or result of the security interest 's obtaining priority over the rights of a lien creditor with respect to the property. I require you to render a receipt for payment of my canceled and paid-in-full payment instrument acknowledging account settlement and payment adjustment as you, the true Debtor ( XXXX ) are delinquent in payments, taxes, insurance, customs, and duties due to me. Furthermore, I demand that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate partners return to me every dollar of my labor placed upon your books and all payday loans plus interest I have ever paid to you for the duration of the fraudulent agreement. In addition, I demand that USAA remove the bogus XXXX placed against my consumer goods immediately and convey the title to my consumer goods back to XXXX, XXXX, XXXX : Natural Living Woman. Moreover, I demand that XXXX XXXX XXXX XXXX XXXX and USAA release my CUSIP NUMBER IMMEDIATELY. Albeit the CUSIP number was obtained in a Certified Forensic Audit, I am considering filing a claim for my STOLEN UNITED STATES REGISTERED SECURITIES with the Department of the Treasury XXXX XXXX XXXX XXXX XXXX as there is a Treasury Direct Account for XXXX, XXXX, Natural Living Women. Due to the securities fraud committed on behalf of the actors and actresses and the defects associated with security interest of the XXXX XXXX XXXX # XXXX, which is currently under investigation by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX of Defects Investigation due to a severe automobile accident that occurred on XX/XX/XXXX, that resulted in severe injuries to the consumer for the Negligent and Intentional Infliction of Physical Emotional and Financial Distress, I demand compensatory and punitive damages against XXXX of XXXX XXXX XXXX XXXX XXXX USAA XXXX and XXXX affiliate ( XXXX ) /partner ( XXXX ) jointly and severally, in an amount in excess of {$150000.00} ( XXXX XXXX and XXXX XXXX dollars ) EXHIBIT " XXXX '' Pursuant to the MagnusonMoss Warranty Act, any warrantor warranting a consumer product to a consumer by means of a written warranty must disclose, fully and conspicuously, in simple and readily understood language, the terms and conditions of the warranty to the extent required by rules of the Federal Trade Commission. The FTC has enacted regulations governing the disclosure of written consumer product warranty terms and conditions on consumer products that actually cost the consumer more than {$15.00}. The Rules can be found at 16 C.F.R. Part 701. Under the terms of the Act, ambiguous statements in a warranty are construed against the drafter of the warranty. Under a full warranty, in the case of a defect, malfunction, or failure to conform with the written warranty, the warrantor : can remedy the consumer product within a reasonable time and without charge. may not impose any limitation on the duration of any implied warranty on the product. may not exclude or limit consequential damages for a breach of any written or implied warranty on the product unless the exclusion or limitation conspicuously appears on the face of the warranty ; and If the product or a component part contains a defect or malfunction, the consumer must be permitted to elect either a refund or replacement without charge after a reasonable number of repair attempts. In addition, the warrantor XXXX not impose any duty, other than notification, upon any consumer as a condition of securing the repair of any consumer product that malfunctions, is defective, or does not conform to the written warranty. However, the warrantor may require consumers to return a defective item to its place of purchase for repair. The MagnusonMoss Warranty Act does not invalidate or restrict any right or remedy of any consumer under any other federal law, nor does the act supersede the Federal Trade Commission Act as it pertains to antitrust actions. Therefore, Pursuant to the MagnusonMoss Warranty Act, I demand a full replacement of the vehicle of my choosing within three business days with a free and clear title along with the value of the vehicle for my valuable consideration of a fraudulent conveyance delivered to the address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Monday-Friday between the hours of XXXX XXXXXXXX XXXX Choice XXXX ) : XXXX ; Choice XXXX ) : XXXX ; Choice XXXX ) : XXXX. XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and XXXX affiliate ( XXXX ) /partner ( XXXX ) can provide the requested information and document at the location listed below due to your deceptive acts in committing Identity Theft, forgery, wire fraud, concealment, conspiracy, and securities fraud. You are NOT the CREDITOR, as the XXXX Notice effectuates satisfaction of my security interest and cancellation of the security agreement. I make a demand upon USAA to IMMEDIATELY cease furnishing inaccurate account information to all credit bureaus regarding the consumer named herein and permanently remove the bogus account item from the credit file as you are NOT the creditor, rather the Debtor since having committed identity theft, concealment, fraud, conspiracy, securities fraud, wire fraud amongst other federal crimes, therefore, causing, the consumer, a commercial disparagement. You are prohibited from using, selling, transferring, or assigning the consumer 's non-public personal information, including my social security account number, to any parties and permanently deleting any record/information of the consumer named herein from your database and/or repositories. Pursuant to the mandatory Prospectus filed with XXXX, the following documents incorporated by reference and the Part of Form XXXX ( e.g., Part I, Part XXXX, etc. ) into which the document is incorporated : ( 1 ) Any annual report to security holders ; ( 2 ) Any proxy or information statement ; and ( 3 ) Any prospectus filed pursuant to Rule 424 ( b ) or ( c ) under the Securities Act of 1933. SEC Form 424B2 is the prospectus form that a company must file if it is making a primary offering of securities on a delayed basis. It is an important part of the initial public offering ( IPO ) process. Rule 424 ( b ) or ( c ) are required to file SEC Form 424B2 because of Rule 424 ( b ) ( 2 ) of the Securities Act of 1933. This act was created to protect investors by requiring securities issues to file detailed information with the Securities and Exchange Commission ( SEC ) before selling new securities to the public. There are many other disclosures and preparations that companies need to follow in order to carry out an IPO. SEC Form XXXX is often used in the event of a delayed offering and discloses transaction-specific data such as the public offering price ( POP ). Per the XXXX XXXX XXXX, no Assignment was made as required by the XXXX. XXXX recommends immediate pro-duction of document and review of all purchase documents and then notarized XXXX endorsements among all relevant parties. Please note that the XXXX XXXX XXXX XXXX XXXX XXXX Fiduciary Relationship ; Form XXXX of Cash Payments Over {$10000.00}, XXXX XXXX of XXXX XXXX, FOIA for IRS XXXX will XXXX XXXX and XXXX XXXX XXXX Treasury Department along with Form XXXX Department of XXXX XXXX Revenue Service Information Referral, Form op XXXX, and XXXX XXXX XXXX for claims against each individual actor and or actors estate due to the identity theft, restraint of trade, and deprivation of rights along with this letter, documents, and complaints to the Department of Justice. Lastly, be advised this notice, along with affidavit ( XXXX ), will be given to the XXXX and XXXX XXXX of the city of XXXX as the XXXX XXXX XXXX for the state of Georgia for the administration of the consumers and proper administration and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number XXXX XXXX XXXX XXXX for the matter of my estate. In addition, all rights have been reserved for the delivery of an inability affidavit for tender of payment of any kind FOR THE CONSUMER due to the legal hardship under the BAR, their members, and associations. I hereby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific constitutional rights not to be bound by any contract or obligation that I have NOT entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion. Please be advised and note that pursuant to Regulation Z XXXX C.F.R. XXXX, XXXX of XXXX, I rescind my consent to be liable or compelled to perform, therefore deducting my liability within this consumer transaction. In addition, criminal fraud, forgery, identity theft, and fraudulent property conversions have NO statute of limitations. I will defend against and seek EVERY actor and actress in obtaining remedy for deprivation of my rights, privileges, and/or immunities secured by the FDCPA against ALL liable parties. As a courtesy to obtain an expedited resolution to this matter, I will wait XXXX business days before filing actions with ALL governmental entities to obtain my remedies. Failure to comply with my demands will result in liens and filings in the XXXX XXXX XXXX, criminal prosecution, and revocation/termination of licenses. Please keep in mind that I DO NOT HAVE TO SIGN a non-disclosure agreement known as ( XXXX ) that would constitute bribery. However, I am willing to make an exception if and ONLY IF ALL of my demands are fully met. Furthermore, the down payment reimbursement and ALL funds shall be made VIA check IMMEDIATELY payable to : XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX XXXX, GA XXXX Best Regards, COPYRIGHT SIGNATURE RESERVED XXXX, XXXX [ Principal ] -All Natural Rights Reserved All Rights Reserved without Prejudice ( XXXX UCC XXXX ) Please address all future correspondence in the matter to Natural Living Human ; Natural Living Person XXXX XXXX XXXX Name ] : [ XXXX ] the [ Family Name ] : XXXX, as XXXX called via email or U.S.P.S Mail. XXXX COMPLAINT FILED REPORTING FRAUD AND RETALIATION FOR EXERCISING RIGHTS AND FAILURE VIOLATING AND DISCRIMINATING VICTIM 'S RIGHTS
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: USAA Account # XXXX Dear XXXX XXXX XXXX XXXX XXXX & USAA and All others, I, XXXX, XXXX, Original Creditor and Natural Living Woman, hereby rescind my consent to be liable or compelled to perform regarding the contract agreement ( Asset-Backed Securities ) that was entered with XXXX XXXX OF XXXX XXXX on XXXX XXXX 2023 . I allegedly entered into a contract agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) without the following : I. Full disclosure of my rights to rescind II. Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ) IV. Misrepresentation of the finance charge V. Failure to inform that fraudulently forged contract was a financial asset I have reason to believe that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally, and with malice took advantage of my consumer credit by unjust enrichment. After thoroughly reviewing all documents in my possession and having a certified forensic audit conducted, I have found several abusive, oppressive, deceptive, misleading, defamatory, and unconscionable violations. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ), in conjunction with USAA, my commercial financial institution, has lied, cheated, and stolen from me. It appears that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( s ) are engaging in FRAUD by way of forgery, identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, computer fraud, terrorism, human trafficking, extortion, fraud in the execution, conspiracy with the intent to defraud, Securities fraud Racketeering, amongst other white-collar crimes. I did NOT, or do NOT ratify, any unauthorized acts by XXXX XXXX XXXX XXXX XXXX broker/transfer agents, nor have I accepted any benefit from its unauthorized acts. Moreover, I choose not to do business with you and your partner ( s ) /affiliate ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY!! YOU are to cease further communication with me regarding the collection of such alleged debt regarding forged security. XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( EBA ), The Securities Exchange Act ( SEA ) of 1933 and 1934, the Foreign Corrupt Practices Act ( FCPA ) ; The Bank Secrecy Act ( BSA ), The Indenture Trustee Act ( TIA ), the Consumer Financial Protection Act ( CFPA ), the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Debt Collection Practices Act ( FDCPA ), the Federal Trade Commission ( FTC ) Act ; the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ; the Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 ; the Truth-in-Lending Act ( TILA ) ; the Federal Reserve Boards Regulations B and Z ( FRA ) ; the Gramm-Leach-Bliley Act ( GLBA ) ; the Fair Credit Extension Uniformity Act ( FCEUA ), the Racketeering influenced and corrupt Organizations Act 18 section 1962 ( hereinafter referred to as RICO ) ; the Magnuson-Moss Warranty Act ( MMWWA ), the Uniform Commercial Code ( UCC ), state adaptations of the Uniform Consumer Credit Code ( UCCC ), state motor vehicle retail installment sale and loan Acts, state servicing laws ; state insurance laws and other state and federal violations. Now know that XXXX, XXXX, XXXX, have revoked, rescinded, annulled, and made void, and by these presents revoke, countermand, annul, and make void the said letter of agency/attorney and all power and authority given or intended to be given to the said XXXX XXXX XXXX XXXX XXXX USAA and it affiliate partners XXXX Therefore, I also revoke, cancel, and make void ab initio all powers of attorney and substitution, in fact, in presumption, or otherwise, signed by either me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney, and substitution, pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. Who are you, and under what authority did you, or do you continue to contact me? The fraudulent agreement under which you presume some power is only implied by a simple contract. Again, any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Under your debt scheme, whereas on XXXX XXXX 2023, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Receivables Trust 2023-B, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and USAA engaged in a scheme whereby they issued Auto Loans to consumers and then sought to collect the amounts allegedly due to them that were not legally nor lawfully due/owed to them. At all times relevant hereto, XXXX XXXX XXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as " the securitization '' ) scheme. In order to earn securitization income from the Auto Loan securitization, XXXX XXXX XXXX sold its Auto Loan receivables to the XXXX XXXX Receivables Trust 2023-B. The Auto Loan securitization process is set forth in the amended and restated Pooling and Servicing Agreement ( PSA ) between XXXX XXXX XXXX, as seller, and the XXXX XXXX Receivables Trust 2023-B- trustee. A copy of the relevant portions of the PSA is attached hereto, incorporated herein, and marked as EXHIBIT " A. '' Please note that I did not grant special authority or express agreement to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) to hypothecate my consumer goods/property ( merchandise title ) and intellectual property to collateralize investments on any future or forward markets or the right to sell on commercial paper. In addition, XXXX XXXX XXXX XXXX XXXX F & I Business Manager, General Manager, and Sales Manager stated that an illegal and unlawful down payment of {$2800.00} was required to drive off the car lot. However, the information provided was false and deceptive, violating 17 CFR 240.14c-6 : False or misleading representations. Moreover, you are under obligation to pay for goods and/or services ( securities/assets ) that you have fraudulently acquired on an open account from XXXX, XXXX, the Natural Living Woman consumer credit, the producer of the economic value for the transaction, and the supplier of the goods for exchange/trade. You have undeniably committed fraud through misrepresentation and forgery of a registered security in your debt scheme under USAA secured financing after purchasing my asset under the credit transaction and restating your accounts payable liability arising out of the loan contract, having purchased my security as a fictional customer deposit, which is your current liability owed to XXXX, XXXX, the Natural Living Woman in your balance sheet. The Securities Exchange Act of 1934 and Sections 11, 12, and 15 of The Securities Act of 1933 provide liabilities under the federal securities laws. EXHIBIT " B. XXXX XXXX XXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as " the securitization '' ). Section 10 ( b ) of the Securities Exchange Act prohibits the use of any manipulative or deceptive device or contrivance in contravention of rules prescribed by the SEC in connection with the purchase or sale of any security or security-based swap agreement. Furthermore, the antifraud rule, Rule 10b5 ; Rule 10b5 prohibits use of any means of interstate commerce to ( a ) employ any device, scheme, or artifice to defraud, ( b ) make material misstatements or omissions, or ( c ) engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security. Please take note that Rule 10b5 can be enforced by the SEC in injunctive and civil penalty actions, brought pursuant to 21 ( d ) of the Exchange Act, and by the Justice Department in actions pursuant to 32 ( a ) of the Exchange Act, which imposes criminal liability for willful violations of the Exchange Act. Section 11 ( a ) makes specified persons liable for any untrue statement of material fact in a registration statement or any omission of any material fact required to be stated in a registration statement or necessary to make statements therein not misleading to any person acquiring the relevant security unless the acquirer knew of such untruth or omission at the time of the acquisition. 1. Persons Liable If a registration statement is false or misleading, 11 ( a ) makes liable : a. the issuer; b. the directors of the issuer ; c. persons named, by their consent, in the registration statement as about to become directors of the issuer ; d. every person who signs the registration statement ; e. every expert ( e.g., accountant, engineer, appraiser, etc. ) who is named by consent as having certified or prepared any part of the registration statement ; and f. every underwriter of the relevant security. Due to the Unethical Deceptive Practices Acts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX I demand to be immediately compensated and demand you to perform upon my underlying obligation, which you unlawfully hold in custody or bailment. You are to immediately refund me the value of my securities and the percentage of proceeds realized from monopolizing my species of goods in restraint of trade due to Securities Fraud committed by the parties as evidenced by Certified Forensic Audit. Transfer the securities to my Treasury Direct Account ( TDA ) # XXXX. I retain exclusive rights and jurisdiction as the source of the authority, having manufactured the value as I am the holder in due course of the instrument ( s ). Refer to Uniform Commercial Code 3-302. HOLDER IN DUE COURSE and 16 CFR Part 433.2- Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. UCC 9-311. PERFECTION OF SECURITY INTERESTS IN PROPERTY SUBJECT TO CERTAIN STATUTES, REGULATIONS, AND TREATIES. ( a ) [ Security interest subject to other law. ] Except as otherwise provided in subsection ( d ), the filing of a financing statement is not necessary or effective to perfect a security interest in property subject to : ( 1 ) a statute, regulation, or treaty of the United States whose requirements for a security interest 's obtaining priority over the rights of a lien creditor with respect to the property preempt Section 9-310 ( a ) ; ( 2 ) [ list any statute covering automobiles, trailers, mobile homes, boats, farm tractors, or the like, which provides for a security interest to be indicated on a certificate of title as a condition or result of perfection, and any non-Uniform Commercial Code central filing statute ] ; or ( 3 ) a statute of another jurisdiction which provides for a security interest to be indicated on a certificate of title as a condition or result of the security interest 's obtaining priority over the rights of a lien creditor with respect to the property. I require you to render a receipt for payment of my canceled and paid-in-full payment instrument acknowledging account settlement and payment adjustment as you, the true Debtor ( s ) are delinquent in payments, taxes, insurance, customs, and duties due to me. Furthermore, I demand that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate partners return to me every dollar of my labor placed upon your books and all payday loans plus interest I have ever paid to you for the duration of the fraudulent agreement. In addition, I demand that USAA remove the bogus lien placed against my consumer goods immediately and convey the title to my consumer goods back to XXXX, XXXX, XXXX : Natural Living Woman. Moreover, I demand that XXXX XXXX XXXX XXXX XXXX and USAA release my CUSIP NUMBER IMMEDIATELY. Albeit the CUSIP number was obtained in a Certified Forensic Audit, I am considering filing a claim for my STOLEN UNITED STATES REGISTERED SECURITIES with the Department of the Treasury Bureau of the Fiscal Service as there is a Treasury Direct Account for XXXX, XXXX, Natural Living Women. Due to the securities fraud committed on behalf of the actors and actresses and the defects associated with security interest of the XXXX XXXX XXXX # XXXX, which is currently under investigation by the National Highway Transportation Safety Administration ( NHTSA ) Office of Defects Investigation due to a severe automobile accident that occurred on XX/XX/XXXX, that resulted in severe injuries to the consumer for the Negligent and Intentional Infliction of Physical Emotional and Financial Distress, I demand compensatory and punitive damages against XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) jointly and severally, in an amount in excess of {$150000.00} ( XXXX XXXX and XXXX XXXX dollars ) EXHIBIT " C. '' Pursuant to the MagnusonMoss Warranty Act, any warrantor warranting a consumer product to a consumer by means of a written warranty must disclose, fully and conspicuously, in simple and readily understood language, the terms and conditions of the warranty to the extent required by rules of the Federal Trade Commission. The FTC has enacted regulations governing the disclosure of written consumer product warranty terms and conditions on consumer products that actually cost the consumer more than {$15.00}. The Rules can be found at 16 C.F.R. Part 701. Under the terms of the Act, ambiguous statements in a warranty are construed against the drafter of the warranty. Under a full warranty, in the case of a defect, malfunction, or failure to conform with the written warranty, the warrantor : can remedy the consumer product within a reasonable time and without charge. may not impose any limitation on the duration of any implied warranty on the product. may not exclude or limit consequential damages for a breach of any written or implied warranty on the product unless the exclusion or limitation conspicuously appears on the face of the warranty ; and If the product or a component part contains a defect or malfunction, the consumer must be permitted to elect either a refund or replacement without charge after a reasonable number of repair attempts. In addition, the warrantor may not impose any duty, other than notification, upon any consumer as a condition of securing the repair of any consumer product that malfunctions, is defective, or does not conform to the written warranty. However, the warrantor may require consumers to return a defective item to its place of purchase for repair. The MagnusonMoss Warranty Act does not invalidate or restrict any right or remedy of any consumer under any other federal law, nor does the act supersede the Federal Trade Commission Act as it pertains to antitrust actions. Therefore, Pursuant to the MagnusonMoss Warranty Act, I demand a full replacement of the vehicle of my choosing within three business days with a free and clear title along with the value of the vehicle for my valuable consideration of a fraudulent conveyance delivered to the address XXXX XXXX XXXX, XXXX, GA XXXX Monday-Friday between the hours of XXXX XXXX XXXX. Choice 1 ) : XXXX ; Choice 2 ) : XXXX ; Choice 3 ) : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) can provide the requested information and document at the location listed below due to your deceptive acts in committing Identity Theft, forgery, wire fraud, concealment, conspiracy, and securities fraud. You are NOT the CREDITOR, as the Rescission Notice effectuates satisfaction of my security interest and cancellation of the security agreement. I make a demand upon USAA to IMMEDIATELY cease furnishing inaccurate account information to all credit bureaus regarding the consumer named herein and permanently remove the bogus account item from the credit file as you are NOT the creditor, rather the Debtor since having committed identity theft, concealment, fraud, conspiracy, securities fraud, wire fraud amongst other federal crimes, therefore, causing, the consumer, a commercial disparagement. You are prohibited from using, selling, transferring, or assigning the consumer 's non-public personal information, including my social security account number, to any parties and permanently deleting any record/information of the consumer named herein from your database and/or repositories. Pursuant to the mandatory Prospectus filed with XXXX, the following documents incorporated by reference and the Part of Form 10-K ( e.g., Part I, Part II, etc. ) into which the document is incorporated : ( 1 ) Any annual report to security holders ; ( 2 ) Any proxy or information statement ; and ( 3 ) Any prospectus filed pursuant to Rule 424 ( b ) or ( c ) under the Securities Act of 1933. SEC Form 424B2 is the prospectus form that a company must file if it is making a primary offering of securities on a delayed basis. It is an important part of the initial public offering ( IPO ) process. Rule 424 ( b ) or ( c ) are required to file SEC Form 424B2 because of Rule 424 ( b ) ( 2 ) of the Securities Act of 1933. This act was created to protect investors by requiring securities issues to file detailed information with the Securities and Exchange Commission ( SEC ) before selling new securities to the public. There are many other disclosures and preparations that companies need to follow in order to carry out an IPO. SEC Form 424B2 is often used in the event of a delayed offering and discloses transaction-specific data such as the public offering price ( POP ). Per the Certified Forensic Audit, no Assignment was made as required by the Prospectus. Examiner recommends immediate pro-duction of document and review of all purchase documents and then notarized Agreement endorsements among all relevant parties. Please note that the Treasury/Internal Revenue Service Form 56-Notice Concerning Fiduciary Relationship ; Form 8300-Reports of Cash Payments Over {$10000.00}, SF 28-Affidavit of Individual Surety, FOIA for IRS W8 will be filed and presented to the Treasury Department along with Form 3949-A Department of the Treasury-Internal Revenue Service Information Referral, Form op 90, and Form op 91 for claims against each individual actor and or actors estate due to the identity theft, restraint of trade, and deprivation of rights along with this letter, documents, and complaints to the Department of Justice. Lastly, be advised this notice, along with affidavit ( s ), will be given to the Health and Human Services of the city of XXXX as the Regional Office 4 for the state of Georgia for the administration of the consumers and proper administration and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number XXXX XXXX XXXXXXXX ] for the matter of my estate. In addition, all rights have been reserved for the delivery of an inability affidavit for tender of payment of any kind FOR THE CONSUMER due to the legal hardship under the BAR, their members, and associations. I hereby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific constitutional rights not to be bound by any contract or obligation that I have NOT entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion. Please be advised and note that pursuant to Regulation Z 12 C.F.R. 1026, Right of Rescission, I rescind my consent to be liable or compelled to perform, therefore deducting my liability within this consumer transaction. In addition, criminal fraud, forgery, identity theft, and fraudulent property conversions have NO statute of limitations. I will defend against and seek EVERY actor and actress in obtaining remedy for deprivation of my rights, privileges, and/or immunities secured by the FDCPA against ALL liable parties. As a courtesy to obtain an expedited resolution to this matter, I will wait 3 business days before filing actions with ALL governmental entities to obtain my remedies. Failure to comply with my demands will result in liens and filings in the Court of Chancery, criminal prosecution, and revocation/termination of licenses. Please keep in mind that I DO NOT HAVE TO SIGN a non-disclosure agreement known as ( NDA ) that would constitute bribery. However, I am willing to make an exception if and ONLY IF ALL of my demands are fully met. Furthermore, the down payment reimbursement and ALL funds shall be made VIA check IMMEDIATELY payable to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX Best Regards, COPYRIGHT SIGNATURE RESERVED XXXX, XXXX [ Principal ] -All Natural Rights Reserved All Rights Reserved without Prejudice ( UCC1207/UCC1308 UCC 1103 ) Please address all future correspondence in the matter to Natural Living Human ; Natural Living Person XXXX [ First Name ] : [ XXXX ] the [ Family Name ] : XXXX, as commonly called via email or U.S.P.S Mail. FHFA/DOJ COMPLAINT FILED REPORTING FRAUD AND RETALIATION FOR EXERCISING RIGHTS AND FAILURE VIOLATING AND DISCRIMINATING VICTIM 'S RIGHTS
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/24 I discovered a request was made from USAA against my XXXX XXXX XXXX account in the amount of {$1000.00}. I immediately contacted USAA and opened a fraud case same day disputing the transaction. I advised by the agent that USAA does not provide case numbers and that I would be contracted by a fraud rep with 1-2 business days. No one has contracted me and it's been 4 business days. I made a contact to USAA today XX/XX/24 for an update and was advised by rep XXXX that my case was closed. Upon me reviewing my online profile I discovered someone was able to login to my online profile, add 2 family members, change my address, request an expedited debit card ( in PA I live in FL ), activated the card, changed my email address, and withdrew {$600.00} from an ATM in PA. I was placed on hold for more than 30 minutes before the phone was disconnected when I asked for my concerns to be escalated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I recently started a savings account with USAA in the amount of {$35000.00}. It's been about a month now. I have since reconsidered the viability and reliability of this bank. They will not let me access or transfer my funds because they say it's " too new. '' I want my money out of their hands and back into my savings account at XXXX XXXX XXXX. Surely this is not legal? Can you please help me get my money back? XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ive continued to raise concern with USAA reporting of XXXX old derogatory trade on my reports. The information is inconsistent across reports and date of delinquency isnt aligned. This account should be removed. There also continues to be report of late pay each month though the account has long been charged off
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A