Consumer complaint received 2019-02-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1. USAA : Account XXXX, claiming/attempting to collect PAST DUE AMOUNT {$4200.00}.XX/XX/XXXX, USAA charged off/wrote off the alleged past due amount of {$4200.00}. Prior to this date, USAA unlawfully re-aged their claim and falsely reported 120 days past due for 3 consecutive months. At the time of the write-off, USAA cancelled and abandoned the debt, reducing it to {$0.00}. USAA issued an IRS XXXX. Currently, USAA is attempting to collect {$4200.00} and in support of their efforts, continues to report a PAST DUE AMOUNT of {$4200.00} on each of my credit reports. Once the debt {$4200.00}, was cancelled/abandoned, USAA can not later lay claim to it. USAA abandoned the debt and issued an IRS XXXX acknowledging the cancellation of the debt. This equates to the account balance being reduced to {$0.00} and/or the account balance was paid in full by an administrative act on the part of USAA. Nor can USAA defame, slander or libel their customer and/or make false claims and statements on customer credit reports. Attached you will find a supporting demonstrating the instant damage caused by USAA. I have been denied aXX/XX/XXXXLoan, based upon USAA false reporting. I can demonstrate compensatory and punitive damages and intend to seek each.

2. USAA : Account XXXX, claiming/attempting to collect PAST DUE AMOUNT {$2700.00}.XX/XX/XXXX, USAA charged off/wrote off the alleged past due amount of {$2700.00}. Prior to this date, USAA unlawfully re-aged their claim and falsely reported 120 days past due for 3 consecutive months. At the time of the write-off, USAA cancelled and abandoned the debt, reducing it to {$0.00}. USAA issued an IRS XX/XX/XXXX. Currently, USAA is attempting to collect {$2700.00} and in support of their efforts, continues to report a PAST DUE AMOUNT of {$2700.00} on each of my credit reports. Once the debt {$2700.00}, was cancelled/abandoned, USAA can not later lay claim to it. USAA abandoned the debt and issued an IRS XX/XX/XXXX acknowledging the cancellation of the debt. This equates to the account balance being reduced to {$0.00} and/or the account balance was paid in full by an administrative act on the part of USAA. Nor can USAA defame, slander or libel their customer and/or make false claims and statements on customer credit reports. Attached you will find a supporting demonstrating the instant damage caused by USAA. I have been denied a XX/XX/XXXX Loan, based upon USAA false reporting. I can  demonstrate compensatory and punitive damages and intend to seek each.

3. USAA : Account XXXX, claiming/attempting to collect PAST DUE AMOUNT {$5100.00}. XXXX XXXX, USAA charged off/wrote off the alleged past due amount of {$5100.00}. Prior to this date, USAA unlawfully re-aged their claim and falsely reported 120 days past due for 3 consecutive months. At the time of the write-off, USAA cancelled and abandoned the debt, reducing it to {$0.00}. USAA issued an IRS XXXX. Currently, USAA is attempting to collect {$5100.00} and in support of their efforts, continues to report a PAST DUE AMOUNT of {$5100.00} on each of my credit reports. Once the debt {$5100.00}, was cancelled/abandoned, USAA can not later lay claim to it. USAA abandoned the debt and issued an IRSXX/XX/XXXX acknowledging the cancellation of the debt. This equates to the account balance being reduced to {$0.00} and/or the account balance was paid in full by an administrative act on the part of USAA. Nor can USAA defame, slander or libel their customer and/or make false claims and statements on customer credit reports. Attached you will find a supporting demonstrating the instant damage caused by USAA. I have been denied a XXXX XXXX   Loan, based upon USAA false reporting. I can demonstrate compensatory and punitive damages and intend to seek each.

4. USAA : Account XXXX   claiming/attempting to collect PAST DUE AMOUNT {$3400.00}. XX/XX/XXXX, USAA charged off/wrote off the alleged past due amount of {$3400.00}. Prior to this date, USAA unlawfully re-aged their claim and falsely reported 120 days past due for 3 consecutive months. At the time of the write-off, USAA cancelled and abandoned the debt, reducing it to {$0.00}. USAA issued an IRS XXXX. Currently, USAA is attempting to collect {$3400.00} and in support of their efforts, continues to report a PAST DUE AMOUNT of {$3400.00} on each of my credit reports. Once the debt {$3400.00}, was cancelled/abandoned, USAA can not later lay claim to it. USAA abandoned the debt and issued an IRS XXXX   acknowledging the cancellation of the debt. This equates to the account balance being reduced to {$0.00} and/or the account balance was paid in full by an administrative act on the part of USAA. Nor can USAA defame, slander or libel their customer and/or make false claims and statements on customer credit reports. Attached you will find a supporting demonstrating the instant damage caused by USAA. I have been denied a XXXX XXXX   Loan, based upon USAA false reporting. I can demonstrate compensatory and punitive damages and intend to seek each.

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