Consumer complaint received 2022-09-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2022 I was denied an extension of my credit for an auto loan by USAA. I, XXXX XXXX, Consumer /Natural person rights were violated by USAA XXXX Adverse action against a consumer is AGAINST THE LAW according to the EQUAL CREDIT OPPORTUNITY ACT which is codified in 15 U.S. Code 1691c and is pursuant to civil liability in 15 U.S. Code 1692k. Violations include 15 U.S. Code 1642,15 U.S. Code 1681m and 12 CFR 1002 being that I made an application in good faith, but credit was not issued. In addition my Social Security Number ( credit card ) was used and I received NO benefit proving this to be proof of fraudulent activity, unauthorized use of a credit card by USAA. If USAA fails to make any reasonable procedure to resolve this matter and compensate me for the use of my credit card I will indeed make USAA criminally liable for ALL DAMAGED PURSUANT TO 15 U.S. Code 1681n and 15 U.S. Code 1681o! 

Credit : is the right granted by a creditor. A creditor is one who regularly extends credit, and is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness. Therefore pursuant to federal law, USAA an not extend credit nor be a creditor. USAA stated I was denied the extension of my own credit due to delinquent past or present credit obligations. 
I know I am the consumer and original creditor shall not be discriminated agaisnt in any aspect of the credit application. I was discriminated against in the inital part of the application because I, in good faith execercised my right to extend credit ( 15 USC 1691 ). Not only is this discrimination, due to the fact that another consumer with a " better credit worthiness '' would get approved the extension of their own credit. This is UNAUTORIZED USE of my credit card ( 15 usc 1602 ( l ) ), I completed a credit application, my credit was checked, and everyone benefitted from this transaction except the cardholder. s I know am the original creditor I granted USAA the right to extend my credit. I granted the right to extend my credit with my credit card which in pursuant to 15 USC 1602 ( l ) is defined and will prove my Social Security Card number is the card credit device existing for me to obtain money. 
In pursuant to 15 USC 1681 ( a ) ( k ) - adverse action. No where does it mention denial of credit. Why is that? Dont you think under the laws governed on credit that it would mention credit under adverse action if can deny? Well it does not and that is because there is no denial of credit. Again I know am the consumer and the original creditor. Everything listed for denial are factors from a consumer report but not deciding factors. can not deny me an extension of my own credit. In pursuant to 15 USC 1611 USAA are criminally liable for misrepresentations, giving false and inaccurate information and also failing to disclose accurate information. 
Now Im demanding USAA approve me and extend my credit that I originally extended to USAA back to me. Regardless of what USAA have to say, they can not deny me of my credit. Otherwise show me the law that states it.

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