Consumer complaint received 2017-07-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Georgia XXXX XXXXXXXXXXXX XXXX XX/XX/XXXX In re : USAA Correspondence Enclosed USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX, Texas XXXX I am addressing the [ XXXX ] attached letters from USAA. By way of background, please find the following : 1. Account ending XXXX : XXXX XXXX XXXX XXXX XXXX Interest rate is 20.65 % This account was closed by USAA without notice and without providing any justification for doing so. I have asked, numerous times, for an explanation, have been promised an explanation but to date my request has fallen on deaf ears. <P/>Regardless of your attached narrative, I still contend this account was never late prior to USAA closing it. In closing this account, USAA caused damage to my credit ; further, USAA used this false claim to raise my interest rate to 20.65 %. <P/>Finally, USAA has failed to provide me any supporting documentation demonstrating I have ever been late. I contend I have never been late. <P/>2. Account ending XXXX : XXXX USAA XXXX XXXX Interest rate is 20.65 % This account was closed by USAA without notice and without providing any justification for doing so. I have asked, numerous times, for an explanation, have been promised an explanation but to date my request has fallen on deaf ears. <P/>Regardless of your attached narrative, I still contend this account was never late prior to USAA closing it. In closing this account, USAA caused damage to my credit ; further, USAA used this false claim to raise my interest rate to 20.65 %. <P/>Finally, USAA has failed to provide me any supporting documentation demonstrating I have ever been late. I contend I have never been late. <P/>According to the USAA Website, my instant FICO Score is XXXX. <P/>3. Account ending XXXX : XXXX USAA XXXX XXXX Interest rate is 24.65 % I have asked, numerous times, for an explanation, have been promised an explanation but to date my request has fallen on deaf ears. <P/>Regardless of your attached narrative, I still contend this account was never late. In closing the associated accounts, USAA caused damage to my credit and used their false narrative to raise my interest rate to 24.65 %. <P/>Finally, USAA has failed to provide me any supporting documentation demonstrating I have ever been late. I contend I have never been late. <P/>According to the USAA Website, my instant FICO Score is XXXX. <P/>XXXX. Account ending XXXX now XXXX : USAA XXXX XXXX Interest rate is 18.65 % I have asked, numerous times, for an explanation, have been promised an explanation but to date my request has fallen on deaf ears. <P/>Regardless of your attached narrative, I still contend this account was never late. In closing the associated accounts, USAA caused damage to my credit and used their false narrative to raise my interest rate to 18.65 %. <P/>Finally, USAA has failed to provide me any supporting documentation demonstrating I have ever been late. I contend I have never been late. <P/>According to the USAA Website, my instant FICO Score is XXXX. <P/>Please provide me the explanation promised, conduct a proper investigation as to each of the assertions listed and provide me the supporting documentation USAA is obligated to produce. Failing this, remove the deleterious annotations from my accounts and notify each of the credit bureaus. <P/>Sincerely, /s/XXXX XXXX

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