Consumer complaint received 2020-09-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Mr. XXXX XXXX XXXX XXXX XXXX XXXX Veteran with stage XXXX XXXX XXXX submits another complaint against USAA Savings Bank and USAA Auto Insurance! I've submitted this complaint before but tired of getting harrassed due to collection accounts which I have never agreed. 
Again the XXXX XXXX XXXX was totaled in an accident and USAA did not follow the law correctly regarding this Vehicle. Customer received total loss letter XXXX and XX/XX/XXXX and after Customer sent Title back, USAA tried to fix the Vehicle spending over $ XXXX on a Vehicle worth around $ XXXX $ XXXX. Vehicle was over 90 % damaged and USAA stated it was totaled on the phone and by letter ( I have the voice mail stating vehicle was totaled ). 
USAA tried to fix Vehicle and than repro it and sent the Customer the bill for XXXX with no Vehicle? How could they fix the Vehicle,  total it, repro it and then tell the Customer we owe them and still don't have a Vehicle. How did they get away with this and still today get to put false information on my credit report? I don't owe them for any Vehicle loans because car was totaled and the correct information is not listed on the Credit Report. Balance is wrong because it should be {$0.00} and paid in full or remove because the Vehicle was totaled and USAA knows this to be a true and  accurate statement. Where's the proof that I owe them for a totaled vehicle when I received the total loss letter and refused to fix the car with the Garage USAA had the Vehicle delivered at to be fixed! Account # XXXX Balance : {$10000.00} as of XX/XX/XXXX. 
USAA is also reporting a Vehicle on my credit report in which I never received any notice of repro until they picked up the vehicle at our Daughters home in XXXX, FL. I live in XXXX FL 6 hours away and was on vacation in the XXXX when the vehicle was repro. I sent USAA several letters regarding this matter as well as the other XXXX XXXX ; this is for the XXXX XXXX XXXX. USAA still updated my Credit Report to show repro and charge off even after I informed this is not my Debt and I will not agree or pay any collection accounts especially when I was out of the country! Now USAA has tried to change the balance owed to $ XXXX which I do not agree with and informed XXXX  and other  Credit Agencies regarding these accounts with USAA. 
Note : In XXXX we were working with XXXX XXXX XXXX XXXX and informed USAA in which we've been Customers over 20 years! I was never late paying my debts before getting sicker and needing more medical treatments. I informed USAA of this but they had no compassion for me and just reported incomplete information. USAA never tried to work with me but against me ; especially during the XXXX XXXX accident which almost took my Spouse life. So account # XXXX XXXX XXXX XXXX with {$11000.00} is not correct and if USAA updated again to $ XXXX that means they never knew the correct balance and I'm not accepting any additional amount to be added to a collections account I never agreed with not got any notices for since I was overseas! When I did get a notice I answered right away and disputed any collections or any balance owed! 
The USAA Credit Card in the amount of {$2300.00} on my Credit Report is not correct. We sent USAA a letter from us and XXXX XXXX XXXX stating our financial hardships and to negotigate with XXXX to pay off Credit Card! As far as I'm concerned this debt was paid by XXXX and if it was not paid ; I do not agree to any collections and the balance is {$0.00}. Remove Acct # XXXX reported XX/XX/XXXX balance : {$2300.00} not correct was under XXXX XXXX XXXX and should no longer be reported. Date opened XX/XX/XXXX and first reported XX/XX/XXXX and should be removed ( harrassment )!

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