Consumer complaint received 2024-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as formal notice to USAA and XXXX regarding your continuous harassment, negligence, and mishandling of claims, which have caused undue hardship to my family following the XXXX XXXX involving my XXXX  on XX/XX/year>. As a XXXX veteran, I invoke my rights under applicable federal and state laws to cease all unwarranted communications and ensure resolution to this matter without further undue burden. 

Summary of Events and XXXX XXXX. Negligence and Delay in Processing Claims : Despite providing all necessary documentation, including Power of Attorney and other required forms, I have been subjected to continuous delays and harassment regarding incomplete paperwork. These claims are baseless and have compounded my familys suffering. 
XXXX. Failure of XXXX to Perform Services : XXXX negligence in ensuring that my vehicle was properly assessed for damages hindered the timely resolution of my claim. 
XXXX. Inadequate Initial Settlement Offer by USAA : XXXX initial offer of {$2000.00} to settle the claim was unreasonable and demonstrates a lack of good faith in claims handling, a violation of [ state insurance code, e.g., XXXX  XXXX XXXX XXXX ]. Yes you finally paid me the right amount for a totaled vehicle but not without significant back and forth with multiple incompetent agents. 
XXXX. Life-Altering Impact of the XXXX : As a result of this accident, my XXXX  has suffered a XXXX XXXXXXXX XXXX XXXX XXXX, and is no longer able XXXX XXXX, leading to permanent life changes and emotional and financial strain. 
XXXX. Continuous Harassment : I have received repeated phone calls regarding incomplete paperwork, despite having submitted all required documents. This harassment is a direct violation of XXXX XXXXXXXX XXXX XXXXXXXX ( Fair Debt Collection Practices Act ), which protects consumers from unwarranted and abusive communication. 

XXXX Violations USAA and XXXX have violated the following statutes and codes : XXXX. Fair Debt Collection Practices Act ( FDCPA ) ( XXXX XXXX Code XXXX ) : Continuous phone calls constitute harassment and unfair practices prohibited under federal law. 
XXXX. Unfair Claims Settlement Practices Act : Failure to act in good faith and process claims promptly violates [ insert applicable state insurance law or Unfair Claims Practices Act provisions ]. 
XXXX. Americans with XXXX XXXX ( XXXX ) ( XXXX XXXX XXXX XXXX ) : Failure to reasonably accommodate my situation as a XXXX veteran demonstrates discriminatory practices. 
XXXX. XXXX Practices : Misrepresentation of claim processing timelines and mismanagement of vehicle assessment services violate federal and state consumer protection laws, including [ state deceptive trade practices act ]. 

Demand for XXXX XXXX XXXX. Cease and Desist : Effective immediately, I demand that USAA and XXXX cease all direct communications with me regarding this matter. All further correspondence must be routed through my attorney or submitted in writing. 
XXXX. Compensation for Damages : I demand adequate compensation for the life-altering damages suffered by my family due to your negligence, including but not limited to : Reimbursement for medical expenses incurred due to my wifes brain injury. 
Compensation for emotional and financial distress caused by the delays and harassment. 
XXXX. Investigation by CFPB : This letter is being copied to the Consumer Financial Protection Bureau ( CFPB ) for investigation into the fraudulent and negligent practices demonstrated by USAA and XXXX. 
XXXX. XXXX XXXX XXXX : You are required to provide a formal written response to this letter within XXXX business days of receipt. Failure to respond may result in further legal action, including filing complaints with regulatory authorities and pursuing litigation for damages. 

Conclusion Your mishandling of this matter and harassment have caused irreparable harm to my family. As a XXXX veteran, I deserve dignity, respect, and adherence to the law. Should you fail to comply with this notice, I will not hesitate to pursue all available legal remedies to protect my family and ensure accountability. 

Sincerely, XXXX XXXX