Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint about my recent interaction with an attorney from XXXX and XXXX representing USAA, regarding their conduct following a car accident collection matter. 

Background I am currently on a non-job protected leave from work after requesting accommodations for my XXXX  XXXX. My employer informed me they would post my job with the intent to fill it for business reasons, which I believe constitutes workplace retaliation. I have already filed a complaint with the XXXX for XXXX discrimination and retaliation. 

Summary of Events with XXXXXXXX XXXX XXXX On [ date of call ], I was contacted by an attorney from XXXX XXXX XXXXXXXX about an alleged debt from a car accident in [ XXXX ]. During the call : I explained my leave status, vulnerability, and mental health XXXX ( including [ Major Depressive Disorder, XXXX, XXXX, etc. ] ), which impact my memory and my ability to process complex information. 
I requested understanding, clear options, and reasonable accommodations per the XXXX. 

Despite this, the attorney : Pressured me to " borrow money '' or " get a loan to pay immediately, even though they knew I was on medical/work leave and had no current wages. 
Dismissed and minimized my XXXX, telling me, You make it seem like XXXX supposed to know everything about you and I dont. Its just about the law and that you drove without insurance and you got in an accident and now you owe money. 
Scolded me for not responding to letters and essentially blamed me for my challenges, saying I shouldnt be surprised I am being contacted for payment, disregarding the real effects of my XXXX. 
Was impatient and condescending when I had trouble providing demographic information, despite my repeatedly explaining my mental health symptoms. 
Refused to provide a clear written plan or alternatives, gave no option besides immediate payment, and hung up without even basic courtesy. 
Made harmful generalizations that those who dont pay insurance just dont want to pay. 
After I persisted in asking for options and reasonable accommodation, the attorney abruptly ended the call by stating they would write a note for the XXXX to consider suspending my license. This felt like clear retaliation for requesting help with my situation and XXXX needs. 
The entire conversation was recorded, and I am formally requesting a copy for my records. 

Impact I am alarmed that I am facing retaliation and discrimination both at work and now from this lawyer at XXXXXXXX XXXX XXXX  who ignored my requests for help and accommodations, then punished me with threats of license suspension when I asked for protection. This pattern is deeply traumatizing and unsafe for anyone with mental health struggles. 

Relief Requested Investigate the attorney at XXXX XXXX XXXXXXXX and the firm itself for violations of XXXX law, the Fair Debt Collection Practices Act, the Rosenthal Act, and State Bar ethics rules.

Consider my complaint in light of ongoing workplace retaliation to show a broader pattern.

Enforce serious discipline or require reforms to protect others. 
Require all future written communications as a XXXX accommodation, and send me a copy of the call recording. 
Thank you for your attention and for standing up for the rights of XXXX and vulnerable consumers.

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