Consumer complaint received 2019-04-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had been trying to reach out to USAA by email regarding the accounts. 
I am still holding USAA responsible for the participation of Consumer credit card and bank fraud along with partner XXXX XXXX XXXX ( XXXX ) I had been researching online regarding Consumer Credit Applications. Banks can sue consumers for putting false information on consumer credit application in order to get a high credit limit. That's fraud. I am sure USAA already knows that. The California Statue Of Limitation of 4 years to sue for the debt is over for USAA. But the problem is USAA had never filed any lawsuits against me because I done nothing wrong. It was not my fault that I was deceived by USAA and XXXX XXXX XXXX. USAA knew the Consumer annual house hold income of {$150000.00} was false income that was a business projected income as stated income. USAA had approved ( Banking Products ) 2 Military Affiliate credit cards M/C {$15000.00} and another {$12000.00} base on the amount of {$150000.00}. 
XXXX XXXX XXXX told me to create a account with USAA and answer all questions then submit. I got a Welcome email from USAA. I did not understand the Welcome email back then. I was not eligible for a USAA membership and any banking products and I was not affiliate to the Military. 

My income was {$10000.00} annually from Social Security that I was receiving S.S.I disability every month. XXXX XXXX XXXX just added a 5 to the {$10000.00} to turn into {$150000.00}. 

USAA involvement of the participation of consumer credit card and bank fraud with XXXX XXXX XXXX is a crime to defraud a bank and consumers. USAA and XXXX  XXXX XXXX still committing fraud. USAA is punishing me for it by attacking me through my credit files? 

USAA need to take responsibility for their actions. 

XXXX  XXXX XXXX email and the Welcome email from USAA. 
The purpose of this email is to establishing a relationship with USAA.com. We need you to create the login, password, and pin. You will not be applying for anything, just setting up an account at this time. Please do not link to USAA.com from this page but enter the address into your browser when prompted. 
1. Type USAA.com into your web browser address bar.

2. Towards the top of the screen click on " Why Join USAA ''.

3. On the next screen click the green " Join USAA '' button.

4. The next two pages will ask you to fill in some basic personal information.

5. The page after that is a few questions regarding your military affiliation. If any of the questions pertain to you answer " yes '', if not answer " no ''.

6. On the final page, you will create a login/password/pin. 
****Please Note : If you have ANY difficulties setting up the account online please call XXXX and ask to have an account set up for you over the phone. 
Simply tell the representative you have been told they are a great company and you are interested in their investment products ( you do not need military affiliation for these particular offerings ). 
When you have finished, just email/call your consultant and let them know the account has been established. 
XXXX XXXX XXXX XXXX XXXX Coordinator XXXX XXXX had the account information to log into USAA account. 


Here is what the Welcome email said. 
Dear XXXX XXXX, Since XXXX, USAA has been honored to serve military members and their families. Whether it's through banking, investments or insurance, helping members reach their financial goals is our mission. 
Our records show that you set up your online access on XX/XX/XXXX, at XXXX XXXX, and established the following : Online ID Password Personal Identification Number ( PIN ) Although USAA auto and property insurance and USAA Banking Products aren't available to you because of our eligibility requirements, we can still help. We offer a variety of products and services that can help you with everything from budgeting and managing all your accounts ( even non-USAA ones ) in one place, planning for retirement and more. We're here to help you meet your needs through every stage of life. 


I had sent the emails to XXXX XXXX, XXXX, XXXX, EXECUTIVE COMMUNICATIONS XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I had been blown off. 
I still had not gotten a responds regarding the bogus refund check in the amount of {$10.00} that was sent to me in XXXX with a different account number. I also did not get a responds back regarding the 2 tax Form 1099-C, " Cancellation of Debt that was sent to me in XXXX with a different account numbers. Then why still harass me through the credit files. I dont understand that. 
I also sent USAA emails on XX/XX/XXXX to settle the claim before filing a civil suit against them. The email said : I had created a document ( AGREEMENT ) for USAA to look over. 
If you have any question about the agreement don't understand or want to ad or change. Let me know. 
I give USAA until XX/XX/XXXX to make a decision. If you need little more time. Let me know. 
If you USAA agrees to the Agreement have the document singed, notarize and sent back to me by email.The emails been ignored.

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