Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
CFPB COMPLAINT SUBMISSION Complainant : XXXX XXXX XXXX XXXX XXXX. 
Filed by : XXXX XXXX, XXXX, XXXXXXXX XXXX Email : XXXX Mailing Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Prior CFPB XXXX XXXX XXXX XXXX Company : USAA General Indemnity Company Policy XXXX XXXX XXXXXXXXXXXX ( covering both personal liability and Trust real property interests ) Incident Dates : XX/XX/year>, XX/XX/year> Issue Type : Debt Collection, Insurance, Coercion, Retaliation, Misrepresentation, Fraudulent Reporting Summary of Complaint : This formal complaint is submitted by the XXXX XXXXXXXX XXXX XXXX XXXX., a private foreign trust estate, concerning deliberate misconduct, coercion, and retaliation by USAA General Indemnity Company. This complaint updates and supersedes CFPB XXXXXXXX XXXX XXXXXXXX, which remains unanswered. 

USAA has escalated the matter beyond commercial dishonor by engaging in willful defamation, third-party reporting, and criminal threats under the color of authority. All actions occurred after lawful remittance and while a CFPB investigation was pending. 

Chronology and Allegations ( Full Detail ) : On XX/XX/year>, the Trust issued Gold Clause Check XXXX XXXX XXXXXXXX, in the amount of {$840.00}, as full and final settlement of an alleged billing obligation under Policy XXXX XXXXXXXX. 

Said instrument was lawful tender, issued under fiduciary authority with all rights reserved under [ UCC 1-308 ] and in accordance with [ UCC 3-603 ].

USAA accepted and retained the instrument but failed to apply, return, or protest it. This constitutes dishonor by silence and commercial default, under [ UCC 3-501 ( b ) ( 2 ) ] and [ UCC 3-603 ( b ) ]. 

On XX/XX/year>, USAA issued a Notice of Cancellation, escalating the situation with direct threats. In this mailed letter, USAA falsely declared : " Were writing to inform you that we havent received payment on your account as required. '' This statement is false and misleading. The Trust submitted timely payment, which USAA ignored and then concealed.

USAA then stated in its mailed cancellation letter : " The insurance policy for XXXX XXXX XXXX  will be canceled for nonpayment of premium. '' " You are cautioned that under XXXX XXXX law, operation of a motor vehicle without insurance is a Class XXXX XXXX, and conviction may result in a fine, imprisonment, or both. '' These are explicit criminal threats, issued while in receipt of lawful tender, and during an active CFPB complaint. This constitutes coercion and extortion under [ 18 U.S.C. 872 ] and [ 18 U.S.C. 876 ]. 

USAA further added : " Cancellation will prohibit any requested coverage for additional or replacement vehicles or property. '' This is an unlawful commercial penalty, a form of economic retaliation and intimidation. 

In the same time period, USAA engaged in retaliatory behavior by : Declaring the Trust " fraudulent and fictitious in nature, and inconsistent with acceptable banking practices '' during hostile communications with the Trustee, including written correspondence and electronic mail issued by a USAA representative on XX/XX/year>, at approximately XXXXXXXX XXXX XXXX XXXX Reporting the Trust and/or its fiduciary instruments to the XXXXXXXX XXXX XXXX XXXX XXXX  or related federal clearing agencies, without legal basis ; Exposing private fiduciary transactions to federal monitoring, without consent or warrant ; Attempting to damage the Trusts lawful commercial relationships by alleging fraud without evidence. 

These actions occurred while CFPB Complaint # XXXX was still open. 

USAA has not responded to the original complaint, and instead has escalated with retaliatory and defamatory conduct. 

At no time did the Trust consent to : Public disclosure of private remittances ; Reporting of trust instruments to any third party ; Being referred to criminal enforcement networks. 

USAAs behavior violates [ 15 U.S.C. 6801 ( a ) ], [ 18 U.S.C. 1513 ( e ) ], and common law trust protections. 

This was a private fiduciary matter, not subject to federal criminal escalation or public reporting. 

USAA representatives, verbally and in writing, used slanderous, unprofessional, and hostile language, referring to the Trust and its remittance as fraudulent, in violation of [ 15 U.S.C. 1692d ( 2 ) ] and [ 1692e ( 10 ) ]. This constitutes defamation per se under [ Restatement ( Second ) of XXXX XXXX ]. 

The Trust is now under threat of : Reputational harm ; Exposure and loss of insurability relating to real property holdings covered under the policy ; Criminal exposure ; Federal scrutiny of lawful instruments ; Loss of property protection due to cancellation threats ; And chilling of trust operations due to bad-faith retaliation. 


Laws and Protections Violated : [ UCC 3-603 ( b ) ] Discharge by lawful tender [ UCC 1-308 ] Reservation of rights [ UCC 3-501 ( b ) ( 2 ) ] Dishonor by failure to return [ 18 U.S.C. 876 ] Mail-based coercion [ 18 U.S.C. 872 ] Extortion under color of authority [ 18 U.S.C. 1513 ( e ) ] Retaliation against federal complainant [ 15 U.S.C. 1692d ( 2 ), 1692e ( 10 ) ] False or harassing debt communications [ 15 U.S.C. 6801 ( a ) ] Unauthorized disclosure of personal financial data [ Restatement ( Second ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Date : XX/XX/year> CFPB Reference ( prior ) : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation