Consumer complaint received 2019-04-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a claim with XXXX XXXX in XX/XX/2018 and we are now in XXXX and I have yet to be paid in full. USAA and I have been communicating back and forth since XXXX and USAA has never provided me with response to my questions. USAA has only created fraudulent information in my name and provided me with excuse after excuse as to why I have not been paid. I submitted a complaint though the CFPB in which only the bank responded and I am not satisfied with USAA response. USAA has failed to answer item by item line by line. Out of the forty questions posed in the first complaint/affidavit USAA only responded to one. I require all question within this document to be answered. 
These are specific to USAA Bank Why did you USAA only answer to one out of forty questions? 
Are you USAA attempting to make it seem like you are conducting a further investigation by only answering one question? 
Why did no one respond to my dispute for {$1600.00}? 
Why was my dispute for {$1600.00} not acknowledged? 
Why did you close my saving and checking account without my consent? 
Why did you close my savings and checking account while a dispute was on file? 
Why did you close my savings and checking account after I filed a dispute with you against the money that is owed to me by XXXX XXXX? 
Why did you take away my ability to access my own information while my money was still in the account? 
Given that you were able to confirm that the XXXX money was removed from my account and released is it safe to assume that you still have access to my bank statements? 
If you do in fact still have access to my bank statements why am I not given the same access? 
Are you USAA allowed to withhold my own information from me? 
Is there a law that states that you USAA are allowed to withhold my own information from me? 
If so what is this law? 
Is there a law that states you USAA are allowed to close my accounts while a dispute is on file? If so what is this law? 
Is there a law that states that you USAA are allowed to close my accounts without my consent? 
If so what is this law? 
Where is my money? 
I require you USAA under the Freedom of Information Act which was already submitted to in writing through USPS to release all bank statements to me. 

Following questions are towards XXXX XXXX What is policy language? What does policy language mean? 
Why was recoverable depreciation not mention in the original policy agreement? 
Why was recoverable depreciation only mentioned to the policy holder after my loss and first initial payment of loss? 
Where within the renters policy does it state that I the policy holder am not allowed to have assistance with purchasing my equipment? 
Where did USAA get the second receipt from? 
Who submitted the second receipt with the use of my information? 
Under the Freedom of Information Act I require XXXX XXXX to provide me with the second receipt totaling {$2300.00} in which XXXX XXXXXXXX states they received from me? 
How was the second receipt submitted? 
Why did XXXX XXXX release the amount of {$1600.00} in the first place if I was misrepresenting myself or my equipment? 
How is asking me if I know anyone who wants to cause me harm an appropriate question for XXXX XXXX to ask? How does this help your investigation? How does this help your investigation determine why I did not receive full payment? 
How is asking me if I had any deliveries to my home an appropriate question for XXXX XXXX to ask, how does this help your investigation as to why I did not receive payment in full? 
How is asking me who comes into my home an appropriate question for XXXX   XXXX to ask, how does this help your investigation as to why I did not receive payment in full? 
How is asking me why I did not contact management of my apartment complex and appropriate question for XXXX  XXXX to ask, how does this help your investigation as to why I did not receive payment in full? 
How is asking me why I did not contact my neighbors and appropriate question for XXXX XXXX to ask, how does this help your investigation as to why I did not receive payment in full? 
When I did not want to answer a question XXXX XXXX would ask if there was a reason I did not want to answer the question. How is interrogating your policy holders appropriate? How does this help into your investigation as to why I did not receive payment in full? 
Is there a law that allows Insurance companies to ask more questions than the police? If so what is this law? 
Why has XXXX  XXXX not provide me with the recording in which they state that I state I am a business or corporation? 
What financial investment does XXXX XXXX have on my name and my property? 
Who gave XXXX XXXX permission to have a financial investment in my name and property? 
How does XXXX XXXX have a financial investment in my name and property? 
Where does XXXX XXXX get the funds to pay me? 
Where is the money now since USAA has removed it from my personal bank account? 
Who did USAA pay the money out to, was it XXXX XXXX XXXX or USAA BANK/XXXX? 
Where does the remainder of my money go if USAA does not give it to me? 
Where is the documentation XXXX XXXX claims to have submitted to me stating that the {$1600.00} was removed from my account due to misrepresentation of equipment? 
Why has XXXX XXXX not responded to any of the question I have asked in the previous three documents? 
Why did you XXXX XXXX ignore the Freedom of Information act I submitted in XXXX XXXX when your own document states that you have six days to release my information? 
What are you XXXX XXXX trying to hide since you will not release my own information? 
Where did XXXX  XXXX get the idea that I was a business? 
Why did XXXX XXXX state that I submitted a false receipt? What is a false receipt? Which receipt is XXXX XXXX talking about, the one I submitted or the second one I never sent that USAA claims to have? 
Is XXXX  XXXX keeping my money from me because of a false receipt or a false misrepresentation of equipment? 
Why did XXXX XXXX depreciate my equipment when the policy states they would not? 
Why did USAA claim that my studio residence was robbed when the police report states it was my personal living apartment? What is a studio residence? Are you XXXX XXXX  attempting to create a false physical environment of business that I do not own and have stated so several times since XX/XX/2018. 
Who is XXXX XXXX and why is he speaking on behalf of the CEO? I have never spoken to XXXX XXXX personally so how exactly did he conduct his investigation? Why did he never get in contact with me? Did XXXX XXXX read the documents sent back and forth between USAA and myself? Did XXXX XXXX himself speak to XXXX XXXX? 
where is my money? 
why have you been withholding my own information from me? 
I require the release of all of my information under the Freedom of Information Act which was provided in writing back in XX/XX/2018 and went ignored.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation