Consumer complaint received 2023-01-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
USAA gave out credit cards in XXXX and XXXX. Upon making purchases in XXXX there were items that were counterfeit. As a complaint in a previous case has shown. USAA is now hiring multiple agencies to chase this debt and harassing me constantly with phone calls where the agents hang up. Which, I call the number back, only to be harassed by the agents claiming that I'll be put in jail if I don't pay something I owe. Eventually, I get over someone's calm and explain to them that the debt is not the correct amount and USAA won't speak to me on the matter. 

I purchased a PC from XXXX. Which cost upwards of XXXX. I can't check the correct amount because USAA has deleted and blocked my account access, so I have no way to get the information from my accounts. 

When I received the PC, it didn't work. I went through it and saw that all of the pc part serial numbers were removed and defaced. Selling defaced serial numbers on pc parts of electronics is Against the law in multiple states. The PC came from California. California Code, Penal Code - PEN 537e. It's against the law. XXXX, is the " payment '' system for the merchant XXXX. 

XXXX made my account with XXXX, which was ALL falsified information, so anytime I try to correct account information with XXXX, THEY REFUSE to do anything because my name, number, and everything else don't match. Just my social security is active with them. 

Recently, I've been getting SPAMMED with calls from a new agency from USAA to collect the debt. I've requested itemized statements from The debt collector, which then sends the request to USAA, then I get what they receive. 

The amount of XXXX and stupidity if USAA is stupendously XXXX at this point because they REFUSE AND WILL NOT send me an itemized statement. The Debt collector can't understand the basic formality of what an itemized statement looks like.

The only thing I get back from them is a Sheet with a list of XXXX here, XXXX there, and XXXX in another place. With NOT itemized charges or where these amounts came from. USAA refuses to give any statements in relation to what amounts are owed, only giving a piece of paper that says I owe a total amount. Yet, where did this amount come from? There are also questionable charges for other things that did not exist when I tried to close the account. USAA, again, refuses to share that information. 

I am demanding for The CFPB to get the XXXX records of me calling in and dealing with the disputes of the fraudulent items in relation to the reason why I stopped paying the bills. It took the XXXX bank over 6 months to call me back. From XXXX until XXXX. To get a conversation with the Fraud Dept. Every week, I would call 1-2 times. Each time, I never got a callback. They would just close the complaint and disputes with no cause. Other than.. The debt is valid. Even after showing them the illegal items. Even after showing that the company literally says they won't give me the serial numbers to the parts. ANY customized PC has box Serials and other serial numbers listed for individual part warranties. The company warranty from XXXX doesn't mean XXXX when one part goes bad. Since the XXXX warranty covers 1 year. The Parts inside cover 3-10 years depending on the part. Without Serial numbers, it doesn't exist and neither does the warranty. THUS. it was Fraud.

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