Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> To : Our Bank Member Advocacy ( XXXX  ) XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Reference to CFPB Compliant # XXXX Re : Validation & Cease and Desist Account No. XXXX Dear USAA Federal Savings Bank ( Debt Collector ), I recently received communication regarding the above-referenced account. I am formally requesting validation of the alleged debt under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Until such validation is properly provided, you must cease all collection activity.

Required Documentation Please provide the following : 1.Original Creditor Information : Name and address of the original creditor and current creditor.

2.Debt Verification : Complete itemization of the alleged debt, including principal, interest, and fees, along with a copy of any contract or agreement bearing my signature that creates the obligation.

3.Assignment of Debt : Documentation of all assignments or transfers showing the legal chain of custody of this debt from the original creditor to the present entity.

4.Securitization Proof : Verification that the alleged debt was not securitized or otherwise transferred into a trust without disclosure.

5.Reassignment Records : Documentation showing the assignments of the debt from the original creditor to any securitized trust, and then back to the original creditor, if applicable. 

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * Please SEND ANSWERS # 1-5 * * * * * * * * * DO NOT IGNORE!!!! 

Cease and Desist Until you fully validate the debt, you must immediately : Cease all collection activity ( phone calls, letters, or otherwise ). 

Cease reporting or attempting to report this debt to any credit bureau. 

Cease accessing my credit report. 

If this debt has already been reported to any consumer reporting agency, I demand that it be marked as disputed in compliance with 15 U.S.C. 1692e ( 8 ). 

Permissible Purpose Please state your permissible purpose under 15 U.S.C. 1681b for accessing or furnishing my credit information. At present, I dispute your right to do so.

Notification to Other Collectors I dispute owing this debt to you. Should you transfer, sell, or assign this account to another party, you are required to inform them of this dispute under the FDCPA. 

Notice of Intent Failure to comply with this request will result in immediate complaints filed with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) California Attorney Generals Office and consideration of civil litigation for violations of my rights under the FDCPA and FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  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