Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
Subject : Retaliation and Continuing Misconduct by USAA Following Reports of Mortgage and Financial Fraud To Whom It May Concern : I am writing to formally report ongoing and escalating retaliation by USAA following my earlier complaints of mortgage fraud, improper credit card practices, and insurance misconduct, which were submitted to the CFPB, FBI, XXXX Attorney General, and the XXXXXXXX XXXX XXXXXXXX. 

Despite reporting the following issues in good faith, I am now experiencing what I believe to be targeted retaliation that is damaging my credit, finances, and well-being : 1. Mortgage Fraud and Home Auction I previously reported suspected mortgage fraud involving USAA and/or affiliated entities, which I believe led to the wrongful auction of my home. The timing of the auction closely followed my submission of complaints to various authorities, raising serious concerns about retaliatory motives.

2. Credit Card Misconduct USAA has applied exorbitant and unexplained fees to my credit card accounts. Despite multiple attempts to obtain an explanation or correction, I have received no satisfactory resolution. After I reported these practices, I closed my USAA credit card account and USAA began reporting it as delinquent, even though my payment history had been consistently positive for decades. As a result, my credit score, which remained in the excellent range for over XXXX  years, has now been reduced to poor.

3. Auto Insurance Misclassification USAA misclassified a minor cosmetic scratch on a vehicle as a total loss, resulting in unnecessary and harmful consequences. After admitting this was a mistake, they promised a refund of {$2000.00}, which has yet to be issued.

4. Retaliation and Credit Harm These actions appear to be retaliatory in nature, as they began after I reported USAAs conduct to federal and state authorities. The damage to my credit standing, particularly the erroneous delinquency report, has severely impacted my ability to obtain financial services and appears to be part of a broader pattern of retaliation. 

Request for Investigation I respectfully request that the CFPB : Investigate USAAs retaliatory conduct in connection with my prior reports ; Review the misclassification and credit reporting practices concerning my accounts ; Audit the handling of my mortgage, credit card, and insurance claims for potential violations of consumer protection laws ; Ensure USAA is held accountable and required to correct all erroneous and damaging actions. 

Please let me know if additional documentation is required. I am prepared to submit full records of correspondence, billing statements, and prior complaints upon request. 

Thank you for your attention to this urgent matter. 

Sincerely, 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