Consumer complaint received 2019-10-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have XXXX XXXX XXXX and my income has decreased. I asked USAA to work with me concerning my Loan with them in order to avoid getting into a bad situation. All of my other Loans and companies were sympathetic and worked on payment plans and interest rates expect for USAA. They advised me that in order to help me I would have to be late on the loan intentionally. They advised me not to pay the next month and then to call the hardship department after I had not made a payment. I was advised this was the only way to get help. Then after doing as they asked I was harassed by their collections department and NO help was given to me as promised. 

USSA engaged in by definition, predatory lending as it benefits the lender and ignores or hinders the borrowers ability to repay the debt. 
They not only used " Loan Packing '' in the loan given to me but engaged in a predatory practice by hinders the borrowers ability to repay the debt by increasing late fees and penalties with the promise of " Help '' 15 U.S. Code 1692k. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; Damage sustained to mental/physical well-being of a terminally ill patient are in line with wrongful death as the livelihood of the patients lifespan has inevitability been shortened by any undue stress related to negligent undue duress 15 USC Sec. 1681 Civil liability for negligent noncompliance Any consumer reporting agency or user of information which is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) any actual damages sustained by the consumer as a result of the failure ; USAA intentionally damaged my credit causing me to make a non-payment as a way to provide relief. This is a violation of 15 USC Sec. 1681 Civil liability for negligent noncompliance Violations by USAA 15 U.S. Code 1692b Acquisition of location information USAA repeatedly called me on numerous occasions after the hours of XXXX and on Weekends They did not identify themselves correctly and only asked to speak to MS. ( Name Witheld ) on numerous occasions They were advised to cease and desist They were advised that they were violating FDCP and Fair Collection Practices Concerning section 515 U.S. Code 806. Harassment or abuse and continued to call 5 more times 15 U.S. Code 1692g. Validation of debts was not provided within 5 days Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the  consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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