Consumer complaint received 2021-11-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am a natural person and federally protected consumer. I entered into a consumer credit transaction ( XXXX5 USC 1602 ( i ) ) with UNITED SERVICE AUTOMOBILE ASSOCIATION, aka USAA, hereinafter referred to as USAA on XXXX of XXXX in which I opened an account, an extension of credit as defined by 12 CFR 1002.2 ( a ), that has been used for personal, family, and household purposes. 

It has come to my attention that my current account does not comply with federal law as I do so believe that pursuant to 15 USC 1602 ( j ) my account should be an open end credit plan. 

It has also come to my attention that my account has billing errors and I am disputing all past, present and future amounts. Pursuant to 12 CFR 1026.13 ( a ) ( 6 ), I am requesting documentary evidence ( 15 USC 44 ) for book of accounts as described in IRS Publication 583. In order to verify such amounts, I need to see the bookkeeping audit trail from both the private and public side to verify the current accounting and taxes associated with this account. 

I am invoking my rights as a federally protected consumer to withhold all past, present and future amounts in dispute pursuant to 12 CFR 1026.13 ( d ) ( 1 ). Because I am invoking my rights, USAA can not make or threaten any adverse reporting to any person about the consumers credit standing without first resolving billing error pursuant to 12 CFR 1026.13 ( d ) ( 2 ). Lastly, USAA can not and shall not restrict, limit, close, cause any disruption of any manner nor accelerate payments of the account and USAA has legally agreed to forfeit its rights to collect on all past, present, and future amounts in dispute under 15 USC 1666 ( e ) pursuant to 12 CFR 1026.13 ( d ) ( 3 ).

Pursuant to 12 CFR 1026.13 ( e ), in an attempt to correct the billing error my XXXX XXXX is {$8700.00} which is a XXXX  of {$1.00} and the amount balance should be credited and the remaining balance must be directed to me, the consumer, payable by check monthly pursuant to 12 CFR 1026.11 ( a ) and 15 USC 1666d. 

I believe that USAA has knowingly, intentionally, with forethought and malice deceptively been sending dividends via the mail and misrepresented the dividend as an invoice for the consumer to pay. Because of such deception, I have electronically transferred funds using my personal debit card information to USAA. This constitutes XXXX activity ( 18 USC 1961 ) which would be embezzlement, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requiring that all past, present and future coupons be sent to my place of abode in form of a check payable to me. 

Lastly, USAA has been sharing my nonpublic personal information with nonaffiliated third parties, consumer reporting agencies. I never received proper disclosures that were clear and conspicuous to OPT OUT pursuant to 12 CFR 1016.10 ( a ) ( 1 ). Pursuant to 15 USC 6802 ( a ), I failed to receive such disclosures nor was given a reasonable opportunity to OPT OUT, and now I am at risk for potential identity theft as my nonpublic personal information has been communicated without my consent to the consumer reporting agencies. In accordance with 15 USC 1681b ( a ) ( 2 ), I am giving my written instructions to report this account as paid in full and paid as agreed monthly. Pursuant to 15 USC 6801, it USAAs responsibility to protect the security and confidentiality of my nonpublic personal information and I do not believe that was done on my behalf.

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