Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
On XX/XX/year>, I sent a formal written dispute and validation request to XXXX XXXX XXXX, a third-party debt collector collecting on behalf of USAA Savings Bank . My letter was delivered via USPS and included a full dispute of the alleged debt, a demand for validation under 15 U.S.C. 1692g ( b ), and a written request for accommodation under the Americans with Disabilities Act ( ADA ), specifically asking that all future communication be limited to U.S. Mail. 

XXXX initial contact was made by email, not by U.S. Mail. I never received a written notice advising me of my rights under the Fair Debt Collection Practices Act ( FDCPA ), as required by 15 U.S.C. 1692g ( a ), within five days of that initial communication. Only after I filed an online dispute did I receive a letter from XXXX, but that letter was merely a payment demandnot proper validation or a notice of rights. 

Despite receiving my written dispute and ADA request, XXXX continued collection activity and failed to provide the legally required validation. They also failed to acknowledge or honor my ADA communication restriction. 

Because XXXX was acting as USAAs authorized third-party collection agent, my dispute and ADA request were properly directed to them under 15 U.S.C. 1692g ( b ). It is USAAs responsibility to ensure that any collection activity carried out in its name complies with applicable consumer protection laws. 

Additionally, my letter raised a serious and still-unanswered question about the legal ownership of the account. I wrote : If USAA Savings Bank is no longer the legal owner of this account due to sale, securitization, or reassignment, and is instead acting as a servicer or agent for a third party, your client may fall within the definition of a debt collector under 15 U.S.C. 1692a ( 6 ). Please identify the current legal owner and provide documentation of your clients authority to collect on behalf of that entity. 

To date, neither XXXX nor USAA has responded to this issue or provided any confirmation of ownership, standing, or lawful collection authority. 

If USAA is collecting on behalf of a third party or securitized trust, it may fall within the FDCPAs definition of a debt collector under 15 U.S.C. 1692a ( 6 ), which includes entities collecting debts owed to another. USAAs silence raises questions about its role and may reflect a deliberate attempt to avoid the statutory obligations of a debt collector.

This complaint supplements my prior submission to the CFPB against XXXX XXXX XXXX ( Complaint ID : XXXX ), in which I raised the same issues regarding failure to validate, disregard of my ADA accommodation , and ongoing collection activity despite a timely dispute.

I am not seeking monetary compensation I am simply trying to stop unlawful collection activity that disregards my disability, violates federal law, and continues despite proper notice.

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 non-monetary relief