Consumer complaint received 2021-01-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I checked my credit to get a PPP loan for my XXXX XXXX because of Covid 19 and how it was affecting my finances. I had a {$100.00} negative USAA Credit Card balance that was listed as a charge off. So, I contacted USAA and they would not provide information. I followed up in XXXX, XXXX, XXXX, XXXX, and XXXX and escalated the situation because I just wanted it settled and off my credit report. I also filed disputes between XX/XX/XXXX and XX/XX/XXXX with the Credit Bureaus. The short story is USAA charged me {$100.00} of junk fees in XXXX and/or incorrectly charged fees and incorrect finance charges. I had much difficulty getting them to respond in writing so I began writing letters and emails ( see attachments ) with questions ; USAA answered NONE of my questions in writing and I paid them {$100.00} twice in XX/XX/XXXX in hopes of settling and making this bad mark go away on my credit report. After discussing this with an attorney, we researched and found XXXX. We think some of the rulings made in this case apply to our time period and apply to our USAA experiences from XXXX to XXXX. Last week on XX/XX/XXXX, I received a check from USAA for {$12.00} that " represents a refund for incorrectly charged fees and finance charges. This {$12.00} check from USAA to me proves that I did not owe them {$100.00} ; It also is evidence that their system knows they deceived me. We have other evidence that proves that they have had a negative impact on my credit scores from XXXX until today, XX/XX/XXXX. This has had a very negative impact on my ability to borrow money and get the credit I needed from XX/XX/XXXX until today. And, USAA played games with my credit and multiple changes with XXXX, XXXX, and XXXX  ; So, USAA made inappropriate changes with the credit bureaus that I have tracked over the last 9 months. After reading XXXX, it is very obvious that I am a victim of their deceptions, illegal, and law breaking banking practices. Also, I filed multiple disputes with XXXX, XXXX, and XXXX. USAA lied and committed fraud and corruption with their responses to the disputes. USAA had systems and processes in place and they knew that I fit the XXXX and they did not notify me nor give me notice that they incorrectly charged me fees and finance charges of {$100.00} thus causing a SNOWBALL effect of irrepairable damages and harm to me, my credit scores, and my finances from XXXX to XXXX. In addition to the aforementioned, I went through identity theft in XXXX and XXXX. I had a cash balance in my USAA account and I had a CD. USAA never paid me back on my CD or my cash that I had in my USAA account. I chalked it up to the identity theft. But, looking back, and reading XXXX, they violated other sections of that settlement. I've succeeded in a rebound and overcome those issues despite USAA and their illegal, deceptive practices.

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