Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
CFPB COMPLAINT SUPPLEMENT / FINAL UPDATE Complaint Reference : CFPB # XXXX Subject : Coerced Remittance Under Threat ; Commercial Retaliation Continues ; Corporate Conduct Exhibits XXXX XXXX Defiance of Law Filed by : XXXX XXXX XXXX XXXX XXXX XXXX 
Submitted by : XXXX, XXXX, XXXX, XXXX, Attorney-in-Fact Date of Update : XX/XX/year> ________________________________________ NEW FACTUAL DEVELOPMENT : FORCED PAYMENT UNDER COERCION On XX/XX/year>, while under repeated threats of termination of both property and auto insurance and facing escalating intimidation via online correspondence and verbal phone contact, the Trust was coerced into making a redundant remittance of {$560.00} through USAA 's online platform XXXX 

This payment was compelled under clear duress, following the Trusts prior lawful tender of Gold Clause Check No. XXXX on XX/XX/year>. 

This coerced transaction occurred : While CFPB Complaint [ XXXX ] remained pending and unresolved, While the respondent had issued no lawful response to the original tender, And while the Trust had already suffered retaliatory and defamatory conduct as outlined in prior submissions. 

This constitutes commercial coercion and unauthorized demand for double performance under threat, violating : [ UCC 3-603 ( b ) ] Discharge by lawful tender [ UCC 1-308 ] Reservation of rights [ 18 U.S.C. 872 ] Extortion under color of official right [ 18 U.S.C. 876 ] Mailing of threatening communications [ 18 U.S.C. 1513 ( e ) ] Retaliation against a federal complainant ________________________________________ USAA 'S WRITTEN TERMS REVEAL DELIBERATE REMITTANCE SUPPRESSION The Trust has now reviewed the official External Account Linking Agreement issued by USAA Federal Savings Bank. It clearly affirms that USAA has intentionally structured its systems to exclude any remittance method not denominated in Federal Reserve Notes.

Specifically : Section 6 of the agreement states : Third-party accounts in foreign currencies can not be linked. USAA advises you to only add accounts denoted in US Dollars.

This serves as a de facto exclusion of lawful tender under [ 12 U.S.C. 411 ], Gold Clause instruments, or any alternative method of discharge.

There is no clause within the agreement recognizing : o Remittance by negotiable instrument o Settlement under [ UCC 3-603 ] o Dishonor procedures under [ UCC 3-501 ( b ) ( 2 ) ] o Lawful money alternatives protected under [ 12 U.S.C. 411 ] There is no policy or protocol for returning, protesting, or applying any instrument outside of digital FRN transactions.

This confirms : USAA has engineered a system that rejects all non-FRN remittance by default, thereby criminalizing any tender other than debt-based currency. 

Additionally, USAA 's agreement grants itself a limited power of attorney ( Section 4 ) to act as attorney-in-fact on all external accounts. Yet, it offers no means to reject unlawful charges or enforce lawful discharge instruments. This is not just structural bias. It is institutional dishonor in writing.

The respondent has, by its own contract, proven its intent to suppress lawful settlement and enforce perpetual FRN performance regardless of lawful discharge. This must be recognized as blatant and premeditated commercial dishonor.

________________________________________ HISTORICAL AND LEGAL FRAMEWORK FOR CORPORATE ACCOUNTABILITY Ultra Vires Doctrine Every act beyond the powers of a corporation is ultra vires and void.

Blackstones Commentaries on the Laws of XXXX XXXX XXXX ), Vol. 1, Ch. 18 USAA, by engaging in retaliation, dishonoring lawful instruments, and coercing performance under threat, has committed acts that are [ ultra vires ], beyond its legal capacity and commercial authority. 

Ignorantia Juris Non Excusat Ignorance of the law is no excuse. Blackstones Commentaries, Vol. 1, 42 USAA can not plead ignorance of its obligations under : [ UCC 3-603 ( b ) ] Discharge by tender [ UCC 3-501 ( b ) ( 2 ) ] Duty to return or protest instruments [ 12 U.S.C. 411 ] Lawful money redemption [ 15 U.S.C. 1692d ( 2 ), 1692e ( 10 ) ] Harassment and false representation [ 18 U.S.C. 1513 ( e ) ] Retaliation during federal complaint Corporate Charter Principles Historical Basis All corporations are bound to the law by which they are created ; they exist at the publics pleasure. XXXX XXXX XXXX, Institutes of the Laws of XXXX ( XXXX ) If corporations such as USAA are permitted to operate as if [ U.S. Code ], [ UCC ], and [ public law ] do not apply, then lawful settlement is meaningless, and private parties are permanently subordinated to unlawful commercial instruments. 
________________________________________ DEMAND FOR INTEGRATION AND ACTION The XXXX XXXX XXXX XXXX XXXX. demands that the following be entered into the CFPB complaint record and considered for full enforcement and remedy : XXXX. Acknowledgment of the coerced remittance of {$560.00} made on XX/XX/year> XXXX. Legal recognition that [ GCC-0054 ] remains a valid, unrefuted, and unrebutted instrument of lawful settlement 3. Finding that USAAs written policies constitute willful exclusion of lawful tender, in violation of [ UCC 3-603 ( b ) ], [ 12 U.S.C. 411 ], and [ 18 U.S.C. 872 ] 4. Public posting of this full complaint and supplement for consumer warning and record 5. Referral to applicable oversight bodies for charter review, licensing sanctions, and legal remedy 6. Updated Restitution Demand : {$8000.00}

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