Date Received: 2024-02-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX my fianc, and I reached out to USAA regarding fraudulent charges, dating back more than a year. When speaking to the representative we reviewed the charges line by line as she entered them into the system. We spent approximately 3 1/2 hours on the phone while she entered each transaction. When calling back to check up on these transactions, it was told to us that they couldnt be found within their system. This process had to be repeated an additional two times over the course of three months. The first three calls we were told that somebody from the fraud team would call us back - we never received a call back. On XX/XX/XXXX, we called to follow up again. This time we asked to speak to a manager. They stated they were going to transfer us to the customer relations team, as they were the highest level of customer service that could speak with us. XXXX took our call, reviewed all of the information and confirmed they had all of the transactions needed, and we would receive a call in 2 to 3 business days from the debt resolution team. He also explained where the missing notation was needed on the documents being transferred from one department to the other. On XX/XX/XXXX. We still had yet to receive a callback and called in to speak with the customer relations team again. At that point we spoke to XXXX, who assured us that he expedited the issue and somebody would get back to us with some sort of resolution. The following day, XX/XX/XXXX, we got a call from the debt resolution team, who left a message that they had all the information and they were working on it. Finally today we received another call from a representative, again, in the debt resolution department, stating that all of the transactions would need to be entered again, line by line in order to move forward. Collectively, we have spent approximately 11 hours in total on the phone with various representatives from USAA. Not to mention the conversations had on there their internal texting system. Besides the antiquated software system they use, their customer service follow up is nonexistent. As a XXXX XXXX XXXXXXXX veteran and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX I should not have to fight this hard to get back monies that were fraudulently made - approximately {$5000.00} worth.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: NJ
Zip: 07719
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My information was sold and bought illegally because I was a victim of the + XXXX-data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I traveled to XXXX in XX/XX/year> and returned in XXXX. I used my USAA Credit Card to purchase an upgraded seat on my return flight on XXXX XXXX. The seat I paid for was broken, uncomfortable, and would not recline for a XXXX flight. I attempted to resolve this with XXXX XXXX and they would not issue a refund. I disputed the charge with USAA and they closed my complaint without contacting me. I was then told to write a letter describing what happened and they would re-open my dispute. The dispute was never re-opened and all I got was a notice saying the letter wasn't good enough without them ever advising what else they needed or giving me time to provide anything before just dismissing my dispute.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission, filed a complaint, contacted the police department, and obtained a police report, which both are attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account number XXXX Account number XXXX REPORTING-Status Open. {$930.00} past due as of XX/XX/2023. STATEMENT REFLECTS PAST DUE OF Pay This Bill : USAA FIXED RATE LOAN XXXX Bill is past due Your minimum payment includes a past due amount of {$2800.00}. Please make a payment now. To avoid additional late fees and further impact to your credit history, you must pay the full minimum due by your next payment date. This is an attempt to collect a consumer debt and any information obtained may be used for that purpose. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2024, the amount of {$1700.00} is indicated as paid to XXXX XXXX. Several calls were made before this date concerning it being a fraud by deception company with agents assigned working under the guise of a fake XXXX XXXX XXXX XXXX that disrupt home computers. Furthermore, it shows a dispute ID number as XXXX. At no point in time did I authorize this payment. The check # XXXX, is as fraudulent as the deceptive agency that submitted it for the payment. All my efforts to dispute and check on information about/over my dispute with this payment were met with no corrective actions being shown or acted upon. The most that I received was an email generated " response to request for documentation dated XX/XX/2024. It shows that on XXXX XXXX the amount was paid.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized Inquiry on my credit report USAA SAVINGS BANK Inquired on XX/XX/2022
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a mobile deposit to my USAA checking account with a bank check in XX/XX/XXXX. Half of the funds were put on hold and as of XX/XX/XXXX they are still on hold. This put me in a state of having insufficient funds to pay my automatic bills. When I called to complain they said the funds would not be available until XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: A Registered letter and email were sent to the following executives on Wednesday, XX/XX/XXXX. NOTICE OF RESCISSION/ DEMAND FOR COMPENSATION AND PERFORMANCE FORGED SECURITIES, SECURITIES FRAUD, CONSPIRACY, WIRE FRAUD, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. C/O CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia ( U.S. state ) XXXX [ XXXX ] XXXX XXXX XXXX XXXX of XXXX XXXX. C/O CFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia ( U.S. state ), [ XXXX ] XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( U.S. state ) [ XXXX ] XXXX XXXX XXXX XXXX Bank C/O CEO XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX , ( U.S. state ) XXXX XXXX ] XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX Attention : XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, [ XXXX XXXX Attention : XXXX XXXX XXXX ( Treasurer ) XXXX XXXX XXXX XXXX ( Indenture Trustee ) C/O Vice President XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX ] Attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX C/O-Vice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois [ XXXX ] Attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX XXXXXXXX XXXX XXXX XXXX.-CUSTOMER # XXXX # XXXX & XXXX Account # XXXX Dear XXXX XXXXXXXX XXXX XXXXXXXX XXXX & XXXX and All others, I, XXXX, XXXX XXXX Original Creditor and XXXX XXXX XXXX , hereby rescind my consent to be liable or compelled to perform regarding the contract agreement ( Asset-Backed Securities ) 1 that was entered with XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. I allegedly entered into a contract agreement with XXXX XXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) without the following : I. Full disclosure of my right 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 ) ). I have reason to believe that XXXX XXXXXXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally, and with malice took advantage of my consumer credit by unjust enrichment. After thoroughly reviewing all documents in my possession and having a certified forensic audit conducted, I have found several abusive, oppressive, deceptive, misleading, defamatory, and unconscionable violations. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX and its affiliate ( s ) /partner ( XXXX ), in conjunction with XXXX, my commercial financial institution, has lied, cheated, and stolen from me. It appears that XXXX XXXXXXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX 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 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 XXXX OF XXXX XXXX Hyundai Capital America XXXX XXXX and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( EBA ), The Securities Exchange Act ( SEA ) of 1933 and 1934, the Foreign Corrupt Practices Act ( FCPA ) ; The Bank Secrecy Act ( BSA ), The Indenture Trustee Act ( TIA ), the Consumer Financial Protection Act ( CFPA ), the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Debt Collection Practices Act ( FDCPA ), the Federal Trade Commission ( FTC ) Act ; the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ; the Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 ; the Truth-in-Lending Act ( TILA ) ; the Federal Reserve Boards Regulations B and Z ( FRA ) ; the Gramm-Leach-Bliley Act ( GLBA ) ; the Fair Credit Extension Uniformity Act ( FCEUA ), the Racketeering influenced and corrupt Organizations Act 18 section 1962 ( hereinafter referred to as 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 XXXX and it affiliate partners . Therefore, I also revoke, cancel, and make void ab initio all powers of attorney and substitution, in fact, in presumption, or otherwise, signed by either me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney, and substitution, pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. Who are you, and under what authority did you, or do you continue to contact me? The fraudulent agreement under which you presume some power is only implied by a simple contract. Again, any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Under your debt scheme, whereas on XX/XX/XXXX, XXXX of XXXX, Hyundai Capital America, Hyundai ABS Funding, XXXX XXXX XXXX, Hyundai Auto Receivables Trust 2023-B, Hyundai Capital America , Does 5-100 Inclusive and XXXX 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, XXXXXXXX XXXX XXXXXXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as " the securitization '' ) scheme. In order to earn securitization income from the Auto Loan securitization, XXXXXXXX XXXX XXXXXXXX sold its Auto Loan receivables to the Hyundai Auto Receivables Trust 2023-B. The Auto Loan securitization process is set forth in the amended and restated Pooling and Servicing Agreement ( PSA ) between XXXXXXXX XXXX XXXX, as seller, and the Hyundai Auto Receivables Trust XXXX trustee. A copy of the relevant portions of the PSA is attached hereto, incorporated herein, and marked as EXHIBIT " A. '' Please note that I did not grant special authority or express agreement to XXXX XXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) to hypothecate my consumer goods/property ( merchandise title ) and intellectual property to collateralize investments on any future or forward markets or the right to sell on commercial paper. In addition, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX & 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 XXXX secured financing after purchasing my asset under the credit transaction and restating your accounts payable liability arising out of the loan contract, having purchased my security as a fictional customer deposit, which is your current liability owed to XXXX, XXXX, the Natural Living Woman in your balance sheet. The Securities Exchange Act of 1934 and Sections 11, 12, and 15 of The Securities Act of 1933 provide liabilities under the federal securities laws. EXHIBIT " B. XXXXXXXX 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 Hyundai Capital America XXXX XXXX XXXX I demand to be immediately compensated and demand you to perform upon my underlying obligation, which you unlawfully hold in custody or bailment. You are to immediately refund me the value of my securities and the percentage of proceeds realized from monopolizing my species of goods in restraint of trade due to Securities Fraud committed by the parties as evidenced by Certified Forensic Audit. Transfer the securities to my Treasury Direct Account ( 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 XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate partners return to me every dollar of my labor placed upon your books and all payday loans plus interest I have ever paid to you for the duration of the fraudulent agreement. In addition, I demand that XXXX remove the bogus lien placed against my consumer goods immediately and convey the title to my consumer goods back to XXXX, XXXX, XXXX : Natural Living Woman. Moreover, I demand that XXXX XXXXXXXX XXXX XXXX XXXX and XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Office of Defects Investigation due to a severe automobile accident that occurred on XX/XX/XXXX, that resulted in severe injuries to the consumer for the Negligent and Intentional Infliction of Physical Emotional and Financial Distress, I demand compensatory and punitive damages against XXXX XXXX XXXXXXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) jointly and severally, in an amount in excess of {$150000.00} ( XXXX XXXX and XXXX XXXX dollars ) EXHIBIT " C. '' Pursuant to the MagnusonMoss Warranty Act, any warrantor warranting a consumer product to a consumer by means of a written warranty must disclose, fully and conspicuously, in simple and readily understood language, the terms and conditions of the warranty to the extent required by rules of the Federal Trade Commission. The FTC has enacted regulations governing the disclosure of written consumer product warranty terms and conditions on consumer products that actually cost the consumer more than {$15.00}. The Rules can be found at 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 XXXXXXXX XXXX Choice 1 ) : XXXX ; Choice XXXX ) : XXXX ; Choice 3 ) : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) can provide the requested information and document at the location listed below due to your deceptive acts in committing Identity Theft, forgery, wire fraud, concealment, conspiracy, and securities fraud. You are NOT the CREDITOR, as the Rescission Notice effectuates satisfaction of my security interest and cancellation of the security agreement. I make a demand upon XXXX to IMMEDIATELY cease furnishing inaccurate account information to all credit bureaus regarding the consumer named herein and permanently remove the bogus account item from the credit file as you are NOT the creditor, rather the Debtor since having committed identity theft, concealment, fraud, conspiracy, securities fraud, wire fraud amongst other federal crimes, therefore, causing, the consumer, a commercial disparagement. You are prohibited from using, selling, transferring, or assigning the consumer 's non-public personal information, including my social security account number, to any parties and permanently deleting any record/information of the consumer named herein from your database and/or repositories. Pursuant to the mandatory Prospectus filed with Hyundai, 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. XXXXxaminer recommends immediate pro-duction of document and review of all purchase documents and then notarized Agreement endorsements among all relevant parties. Please note that the Treasury/Internal Revenue Service Form 56-Notice Concerning Fiduciary Relationship ; Form 8300-Reports of Cash Payments Over {$10000.00}, SF 28-Affidavit of Individual Surety, FOIA for IRS W8 will be filed and presented to the Treasury Department along with Form 3949-A Department of the Treasury-Internal Revenue Service Information Referral, Form op 90, and Form op 91 for claims against each individual actor and or actors estate due to the identity theft, restraint of trade, and deprivation of rights along with this letter, documents, and complaints to the Department of Justice. Lastly, be advised this notice, along with affidavit ( s ), will be given to the Health and Human Services of the city of XXXX as the XXXX XXXX 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 xxx-xx [ 8616 ] 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, Unit 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 XXXX First Name ] : [ XXXX ] the [ Family Name ] : XXXX, as commonly called via email or U.S.P.S Mail. All calls may be recorded. Attachment ( s ) : 1. EXHIBIT A-Certified Forensic Audit ( In part ) 2. EXHIBIT B-XXXX XXXX XXXX Dealership Fraudulent Financial Security Instrument/ XXXX XXXX Instruments ( Final ) 3. EXHIBIT C-NHTSA, DIAGNOSTIC HISTORY ; HYUNDAI REJECTION OF REPLACEMENT VEHICLE 9/8/2023 4. EXHIBIT D-USAA Fraudulent Financial Statements Complaints were initiated to the SEC, IRS, SS, and OCC regarding this criminal matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: USAA appears to be in violation of several congressional laws in connection with the account number XXXX ( a charged off credit card account ). According to XXXX U.S. CXXXXe XXXXa ( 2 ) ( a ) ( i ), the consumer report should not include information solely pertaining to transactions or experiences, such as payment history or charge-off status, between the consumer ( myself ) and the reporting entity ( USAA ) XXXX Furthermore, XXXX U.S. Code 1681XXXX-XXXX ( a ) ( 1 ) ( A ) stipulates that a person ( USAA ) must not furnish any information to a consumer reporting agency if there is knowledge or reasonable cause to believe that the information is inaccurate. It is imperative to note that USAA can not collect on a discharged debt, as it is now considered a certificate of indebtedness according to the IRS. The IRS explicitly defines a charge-off as gross or ordinary income, which is not reported on consumer reports. This renders the reporting of the account inaccurate. Despite this, I have not received a XXXX-C from USAA for the canceled debt of { {$1500.00} }, which should have been provided for filing as ordinary income as required by the IRS for debts exceeding { {$600.00} }. The discrepancy in reporting and failure to issue the necessary tax documentation is unsatisfactory. I have provided screenshots from the IRS website. USAA is hereby put on notice for furnishing incorrect and inaccurate information. As outlined in their terms and conditions, USAA agreed not to share my information with non-affiliates. XXXX, XXXX, and XXXX are not affiliates of USAA, nor are they considered " bureaus '' in accordance with federal law. The only authorized credit bureau is the CFPB, which, as stated in federal law, does not furnish consumer reports. In accordance with the Privacy Act of XXXX, as a federally protected consumer, I am revoking any and all authorizations provided to USAA, whether written, non-written, verbal, or non-verbal, pursuant to XXXX U.SXXXX Code XXXXa. Additionally, under the FCRA, as a federally protected consumer, I am opting out of any and all authorizations granted to USAA, encompassing written, non-written, verbal, and non-verbal agreements, as per XXXX USC XXXX on account number XXXXXX. USAA 's responsibility, as per XXXX U.S. CXXXXe section XXXXs-XXXX ( a ) ( 1 ) ( B ) ( ii ), is outlined in the duty of furnishers to provide accurate information. This includes refraining from reporting information to any consumer reporting agency after receiving notice and confirmation of errors. I have previously notified USAA of inaccuracies, and it is imperative that they adhere to the stipulations outlined in the relevant federal law. Here are some of the laws stated along with supporting laws and definitions XXXX U.S. CXXXXe XXXX - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section XXXX ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. nonpublic personal information ( XXXX ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; XXXX U.S. CXXXXe XXXX - Definitions ( XXXX ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. ( XXXX ) Nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. XXXX U.S. CXXXXe XXXX - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX. Permissible purposes of consumer reports [ XXXX U.S.C. XXXXb ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section XXXX of title XXXX or section XXXX of title XXXX. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. XXXX CFR XXXX - Purpose and scope. XXXX Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( XXXX ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( XXXX ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure XXXX CFR XXXX - Form of opt out notice to consumers ; opt out methods. XXXX Form of opt out notice to consumers ; opt out methods. ( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( XXXX ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in XXXX ( a ) ( XXXX ) and ( XXXX ) and state that the consumer can opt out of the disclosure of that information ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form that includes the address to which the form should be mailed ; or ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( g ) Duration of consumer 's opt out direction. ( XXXX ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. ( XXXX ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship XXXX U.S. CXXXXe XXXX - Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, of such financial institutions policies and practices with respect to ( XXXX ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section XXXX of this title, including the categories of information that may be disclosed ; ( XXXX ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( XXXX ) protecting the nonpublic personal information of consumers. XXXX appears to me that even after I the consumer have ceased being a costumer of this institution, they still do not have the right to violate my right to privacy** XXXX U.S. CXXXXe XXXX - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of XXXX [ XXXX U.S.C. XXXX et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law
Company Response: Company believes it acted appropriately as authorized by contract or law
State: RI
Zip: 02908
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Re : Pre-Litigation Letter - Securities Fraud, Billing Error Dispute, and Rescission of Security Interest/Tax evasion/remove right to repossess Dear To Whom It May Concern, XXXX Financial XXXX, indenture trustee I trust this letter finds you well. I am writing to address serious concerns related to my XXXX-interest XXXX of XXXX XXXX XXXX management. This communication is a pre-litigation notice outlining issues concerning securities fraud, billing errors, and the immediate rescission of the security interest in the asset. **Relevant Legal Citations : ** - XXXXXXXX XXXX XXXXXXXX - XXXX U.S.C. XXXX - XXXX USC XXXX XXXX the XXXX Funds Transfer Act and relevant statutory provisions, I am asserting my rights and concerns as outlined below : XXXX. Securities Fraud Allegation : ** - It has come to my attention that my account has not been properly credited in accordance with the Electronic Funds Transfer Act for the interest securities dividends payment related to my Treasury Coupon. - The failure to credit my account raises suspicions of securities fraud under applicable laws. XXXX. Billing Error Dispute : ** - I assert a billing error dispute related to the non-receipt of interest payments on my XXXX-interest XXXX of XXXX. - This dispute extends to past, present, and future interest payments, and I demand a thorough investigation into the matter. XXXX. Request for XXXX XXXX XXXX : ** - I am formally requesting an Asset Representation Review to ensure that my assets are being managed in accordance with all applicable laws and contractual obligations. - This review is essential to determining the accuracy and transparency of the handling of my securities and financial interests. XXXX. Rescission of XXXX XXXX : ** - I hereby request the immediate rescission of any security interest held in the asset/product/security related to my XXXX of XXXX. XXXX. Remittance of Interest Coupon Dividends : ** - In accordance with the Electronic Funds Transfer Act, I request that you, as the indenture trustee, perform your fiduciary duties to remit and direct the securities ' interest coupon dividends to my Treasury Direct Account, as detailed below : Your Treasury Direct Account Information Account Name : XXXX XXXX number : XXXX Account : XXXX Conclusion and Action Required : I trust that you will take immediate action to address these concerns, conduct a thorough review, and promptly rescind any security interest held in the asset. Failure to rectify these issues within a reasonable timeframe may compel me to pursue legal remedies available under the cited statutes and other relevant laws. I anticipate your prompt attention to this matter and look forward to a swift resolution. Sincerely, XXXX XXXX Please send legal title, XXXX, and any other securities for investment purposes to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also attached is your indenture agreement stating the responsibilities of a indenture trustee performance on cancellation
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A