Consumer complaint received 2022-04-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Attached to this correspondence is a proof of identification. This proof should stand during any and all communication. 

ATTN : XXXX XXXX XXXX USAA SAVINGS BANK XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX AFFIDAVIT NOTICE ATTN : XXXX XXXX, XXXX USAA SAVINGS BANK REFERENCE LOAN # XXXX I, agent for principal XXXX XXXX and affiant, I am a federally protected consumer, holder in due course, attorney, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, and autograph as the agent and administrator in fact. 
Notice it is a fact, affiant is aware, credit is the right granted by a creditor to defer payment of debt or to incur debt and defer its payment. In conjunction pursuant to 15 USC 1602 ( g ) creditor refers only to a person, meaning not the organization but only a natural person, who regularly extends consumer credit, in connection with loans, sales, property or services payable by agreement which a finance charge may or may not be required or the natural person whom the debt arising from the consumer credit transaction which may be payable on the face of the evidence of indebtedness such as a contract or by agreement.

Notice it is a fact, pursuant to 15 U.S.Code 1692a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor. 
Notice, it is a fact, affiant has reason to believe and do so believes USAA SAVINGS BANK is a debt collector as a debt collector is any person who uses instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. 
Notice it is a fact, affiant is aware, after receiving notice about a billing error the creditor may not report any negative information until creditor has met requirements of the section 1666 and thereafter to make payment as is provided under the credit agreement for payment of undisputed amounts. 
Notice, it is a fact, affiant is aware pursuant may not engage in any contact that would harass, oppress or abuse any person while collecting any debt and it is and credit is a right granted to me as a creditor under truth in lending and USAA SAVINGS BANK has not right to oppress or abuse any part of my character which would restrict to prohibit my right to extend credit and is a violation of 15 U.S.Code 1692d such has furnish unverified information to my consumer report and contact me without consent.

Notice it is a fact, affiant is aware, pursuant to 15 USC 1605, interest, deliver service fees, loan fees, premium insurance to cover any defaults, broker fees, insurance for the vehicle and insurance to cover health, life, accident, and gap insurance, are all included in finance charge.

Notice it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This is my social security card. This credit card was authorized by my social security card and therefore must be excluded from my consumer report. This reported information on USAA LOAN # XXXX is a violation of 15 U.S. Code 1681a ( 2 ) ( B ).

Notice it is a fact, affiant is aware, pursuant to 15 USC 6801 ( b ) ( 3 ) financial institutions must ensure the security, confidentiality of consumer records. Financial institutions must protect against threats and maintain the integrity of records. Lastly financial institutions must prevent unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer such as I, the affiant, in fact. 
Notice, affiant is aware the debt collector, USAA SAVINGS BANK can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, USAA SAVINGS BANK has communicated with the all caps name principal obligor, XXXX XXXX and has always referred to my principal obligor and not myself the agent, natural person and consumer in fact. This is a violation of 1692c ( b ). 
Notice it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This is my social security card. This credit card was authorized by my social security card and therefore must be excluded from my consumer report. This reported information on { ACCOUNT NAME AND NUMBER } is a violation of 15 U.S. Code 1681a ( 2 ) ( B ).

Notice it is a fact, affiant is aware, the unlawful use of a credit card such as a social security card under 15 USC 1602 ( l ) by a organization or person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit is in fact, unauthorized use pursuant to 15 USC 1602 ( p ). My information was given to a third party entity XXXX XXXX and XXXX XXXX XXXX to collect on this alleged debt. 
Notice it is a fact, affiant is aware, the unlawful use of a credit card such as a social security card under 15 USC 1602 ( l ) by a organization or person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit is in fact, unauthorized use pursuant to 15 USC 1602 ( p ). My information was given to a third party entity to collect on an alleged debt. 

JURAT Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, nunc pro tunc I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation