Dear XXXX XXXX, No I have not retained a lawyer yet. 
And talking to my Lawyer about your crooked applying of my money as he has not put you on notice.. I have and demanding in writing where is my money " IS "? 
In your bank XXXX XXXX your employee there at USAA XXXX XXXX, Texas. 

MISAPPLIED AND REMOVED IT FROM MY LOAN AND MOVED IT AROUND FOR YOUR THIEVING MOTIVES TO DELIBERTLY MAKE MY LOAN DELINQUENT. 
THEN YOU TRANSFER MY LOAN TO A COLLECTION AGANCY WHEN IT HAS NEVER BEEN LATE ON ANY PAYMENTS NEVER AS YOU KNOW. 
HAZARD INS IS DIFFERENT. THAT IS NOT MY LOAN! 
I AM DEMANDING IN WRITING THAT MAKES SINCE, WHERE MY MONEY WAS APPLIED. WHERE IS IT, ALL PAYMENTS WERE WIRED IN FOR THE FULL YEAR MONTH TO MONTH PAYMENT AND YOU KNOW THIS. 
ONLY 4 PAYMENTS WERE APPLIED XXXX. 
XX/XX/XXXX THRU XX/XX/XXXX! WHERE IS ALL THE OTHER MONEY? I WANT IT IN WRITING WHERE IT IS? 
PRIOR TO XX/XX/XXXX BEFORE YOU TRANSFERRED MY LOAN. 
I DID NOT AGREE. THIS IS HOW YOU FIGURED OUT TO Drag XXXX XXXX into it, and misapply money and move money with out my permission. 
I never authorized your CEO lady, or XXXX in writing they could remove any payments, I made and move some to my checking, leaving a big assnout standing balance. 
Now XXXX XXXX IS DEMANDING A MONTHLY PAYMENT AND BACK ARREARS OF INSURANCE ASSED NOW? 
NOPE XXXX XXXX, THAT WAS PREVIOUSLY TAKEN FROM MY PREVIOUS PAYMENTS AND ANY WAY YOU FIGURE IT. 
I AM PAID FOR THE YEAR!!! WITH SOME LEFT OVER! 
PRODUCE MY CASH AND APPLY IT BACK TO MY LOAN TO MY PAYMENTS. YOUR BANK MADE MY Payments as Og Now XX/XX/XXXX DELINQUENT! 
I made all my payments as you are well aware of prior to you transffering OF MY LOAN TO ANOTHER BRANCH OF YOUR BANK? 
NONE WAS DOEN BY ME BUT ALL PAYMENTS MADE ON TIME! EVERY YEAR! 
SO UNDER MY CONTRACT MY PAYMENTS WERE MADE ON TIME TO MY LOAN TO YOUR BANK, YOUR EMPLOYEES APPLIED FOR MONTH TO MONTH, AS AGREED IN MY CONTRACT THEY HAVE BEEN PAID. 
UP FRONT, AND PAID AHEAD. 
YOUR BANK EMPLOYEE MISAPPROPRIATED MY PAYMENTS. 
THERE IS NOTHING IN THE CONTRACT THAT SAYS, I CAN NOT PRE PAY ANY PAYMENT AS IT HAS BEEN THAT WAY FOR OVER 10 YEARS! YOU ACCEPTED ALL THOSES YEARS! 

YOUR BANK MISAPPROPRIATED MY MONEY WIRED IN XX/XX/XXXX TO MY LOAN FOR ALL PAYMENTS TO BE MADE MONTHLY. 
NOW XX/XX/XXXX ONE OF YOU DECIDED TO CHANGE HOW YOU APPLY THEM. 
XX/XX/XXXX MONEY MISAPPLIED PRIOR TO TRANSFER. 
XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX AND NOW YOU CAN NOT PRODUCE ANY DOCUMENTS OF WHERE MY MONEY IS? BUT THE MONEY XXXX MOVED INTO MY CHECKING OFF MY LOAN AND PLACED BY XXXX XXXX TO MY CHECKING? WHY WAS MONEY I PAID TO MY LOAN REMOVED? 
AND 4 LOAN PAYMENTS MADE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AS THAT WAS APPLIED WITH THE MONEY I WIRED IN? 
MY MONEY WAS ALL ON MY LOAN BEFORE YOU MOVED MY LOAN ACCOUNT!!! YOU COULD NOT GET FOR OVER 3 MONTHS NOW?? 
CREDIT MY ACCOUNT IN FULL. 
I MADE ALL PAYMENTS. 
XXXX XXXX has no clue the arrangement I had with you USAA for over 10 years. 
SO XXXX XXXX, you know the facts. Quit making excuses about my payment. 
XXXX WIRED IN XX/XX/XXXX EARLY PRIOR TO PAYMENT DUE DATE Hazard Ins XXXX? NOW OUT OF THE BLUE Charged Hazard XXXX XXXX 4 loan.pmts minus XXXX Balance XXXX CREDIT XX/XX/XXXX XXXX XX/XX/XXXX Policy Cancelled credited XX/XX/XXXX Credit XX/XX/XXXX XXXX Credited Leaves Balance of XXXX XXXX XXXX deposited XXXX USAA TOOK OFF MY LOAN AND PLACEN IN MY CHECKING! this should be still applied to my loan? usaa removed. 
which leaves XXXX PAYMENTS USAA DID NOT APPLY TO MY LOAN, 5 loan payments XXXX XX/XX/XXXX XX/XX/XXXX this means in XX/XX/XXXX I owe XXXX ONLY! 
I BELEIVE YOU ALL ARE TRYING TO STEAL MY HOME ILLEGALLY. BUT SAYING AND COMMING UO WITH WAYS TO SAY I AM DELIQUENT! 
AS I TOLD XXXX XXXX! AND YOUR CEO DEPARTMENT. WHO ALL WERE LOWERING MY PAYMENTS?? 
BUT WOULD NOT EXPLAIN WHY? NOW YOU ARE TRYING TO OVER CHARGE ME, DOUBLE CHARGE ME WHEN I ALREADY PAID MY LOAN FOR THE YEAR! 
MISAPPROPRIATION OF MY MONEY, WHICH IS FRAUD. UNLESS YOU APPLY IT CORRECTLY, AND SHOW ME IN WRITING WHERE THE MONEY IS. THAT MAKES SINCE., ' NOT BY XXXX XXXX INCORRECT ACCOUNTING, AND VERBAL 90 MILLES A HOUR WHICH MAKE NO SINCE WORDS. OR EMAIL! 
YES XXXX XXXX, SEND ME MY LOAN PRINNT OUT I ASKED YOU ALLL FOR FROM DAY XXXX! YET YOU KEEP MAKING EXCUSES, and DODGING IT ALL THESE MONTHS WITH EXCUSES YOU DO NOT HAVE all my documention IT ALL YET? 
WHERE IS IT? and where the money was wired out to my checking! 

YES XXXX XXXX YOU CAN TALK TO ME, I AM THE LOAN OWNER. AND I WILL NOT BE PROVIDING YOU ANY ATTORNEY NAME. 
IF I CHOSE TO HIRE ONE TO SUE YOU, YOU WILL BE NOTIFIED BY A LAWYER HIS OR HER SELF! AND IN WRITING. 
WHEN YOU GET A LETTER FROM MY LAWYER THEN I GUESS YOU WILL KNOW HE HAS BEEN HIRED TO GO AFTER YOU FOR FRAUD! 
AT THIS TIME I AM DEMANDING FULL DOCUMENTATION FROM THE B OF MY LOAN! THE ENTIRE READ OUT OF MY ENTIRE ACCOUNT AND LOAN PAY HISTORY. 
ALL PAYMENTS WIRED IN XX/XX/XXXX AND ALL PAYMENTS APPLIED TO MY LOAN! 
Thank you, XXXX XXXX. 
Me XX/XX/XXXX XXXX XXXX XXXX XXXX : As per our conversation regarding loan XXXX : Please provide to me a full disclosure of all of the receipts of all money I wired in to USAA for payment towards ALL monthly payments of my loan. 
Send me full disclosure of all payments received and all payments I instructed to be applied to my loan since its inception. 
I will cease from any more contact with you until I receive of all documentation and disclosures from you XXXX XXXX. 
I expect your reply ASAP Thank you for your assistance in this matter. 
XXXX XXXX