Consumer complaint received 2021-03-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, State, Zip Code : XXXX NV XXXX Telephone No. : ( XXXX ) XXXX Fed Ex XXXX RECEIPT REQUESTED Date : XXXX To : USAA Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Dear USAA BANK AND ABOVE- ( ALL ABOVE-NAMED PERSONS -USAA EMPLOYEES ) ARE BEING SERVED FOR SMALL CLAIMS COURT AND CIVIL COURT : XX/XX/2021 ( See Attached Documents ) This letter is a demand for payment in the amount of $ XXXX.and fix my credit from all 3 agencies. 
I believe I am owed this amount because of the following facts and circumstances : After reviewing my credit report, I am writing to dispute the following inaccurate information, all of which result from FRAUD CHARGES ON MY USAA CREDIT CARD XXXX and is not information relating to any transaction I made. Please investigate each account listed below as the charges are fraudulent and were made without my consent. 
I was bullied by all your staff at USAA bank to pay the fraud charges of {$1800.00} DUE TO YOU RUINED MY CREDIT. I am a XXXX XXXXyear XXXX XXXX veteran living on XXXX pension. Why would I ruin 40 years of XXXX credit score? After contacting the local police agencies and the FBI they both stated I should of not paid the fraud charges until it was fully investigated by USAA fraud department and a letter was sent to me clearly denying my claim. I have consumer rights by law to file an Affidavit of complaint. I also contacted a local law firms here in XXXX XXXX that are experts in this matter and they clearly stated to me I should have never paid the fraud amount until a professional investigation by USAA was done. I was told that this is the first step I must do to fix this matter. 
I have asked over and over to do a complete investigation and check the atm cameras and I can prove I was not in the same state that the fraud occurred. ( No investigation was ever done by USAA Fraud Department ) I was never allowed to speak to someone in the fraud department. 
I was never notified in writing that USAA Savings bank denied my fraud charge claim and I was responsible for all the charges on my account. 
I would like to see prove that I received those notices in writing. 

This whole matter has brought me to an incredibly sad mental state and have had counseling over losing my house due to now I cant refinance my house with bad credit. 

( Police reports Filed ) XXXX XXXX XXXX Police XXXX / FBI IC3 Ic3 XXXX The XXXX XXXX XXXX police have started the investigation and taken my affidavit of prove that I was not in the states or locations of the fraud on my credit card. The FBI IC3 unit has also started their investigation and received my affidavit of prove. 

I have currently filed in smalls claims court and with my Attorney next will be civil court after all the investigations are completed. I am so upset regarding this matter against me I am going to have an interview with XXXX XXXX XXXX ACTION NEWS In XXXX XXXX on XX/XX/XXXX with their consumer fraud investigation team. After my Attorney reviewed my evidence of my case and my deposition, He agreed to take my case free of charge. 



ACCOUNT NAME - ACCOUNT # XXXX Please investigate this account, as the charges are fraudulent, and were made without my consent. 
are hereby informed that you have ten ( 10 ) days from the date of this letter to pay the demanded amount or to make a satisfactory arrangement with me to fully resolve this matter. If you are interested in mediating this matter with me, please contact the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX is an opportunity for us to craft an agreement with a neutral third party that might keep us out of court. It is confidential, expedited, and free, and you can negotiate agreement details without a judgment being placed on your financial record. My contact information is listed above. In the event this matter is not resolved to my satisfaction, or if I do not receive or accept an invitation to mediate, then I intend to file an action in Small Claims Court and civil court where I will also request that you pay the costs of suit associated with having the matter heard by the court. Please guide yourself accordingly. 

Sincerely, Signed : ______________________________ XXXX XXXX XX/XX/2021 XXXX I am asking for 1 simple thing fix my credit and return my {$1800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation