Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I, XXXX XXXX XXXX, of XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX, being first duly sworn, state under penalty of perjury the following : 1. Background and Summary I am a XXXX veteran and the lawful owner of a XXXX XXXX XXXX. I retain possession of the original Illinois Certificate of Title, which shows no lienholder. I have never assigned, signed, or authorized any Power of Attorney ( POA ) or transfer of lien rights to USAA or its agents.

Over the past year, I have filed 15 formal complaints with the Consumer Financial Protection Bureau ( CFPB ) outlining USAAs conduct involving : Fraudulent lien creation and false title correction Credit reporting of a vehicle loan with no perfected interest Forged and unlawful XXXX paperwork Closure of my credit card account without explanation after these filings Suspicious bundling and trade activity of both accounts as securitized instruments 2. Forged XXXX Paperwork and Fraudulent Lien USAA, or a party acting on its behalf, filed documents with the Illinois Secretary of State to obtain a duplicate title falsely claiming the original was lost or replaced. I never submitted such a request.

These documents either : Contain a forged or unauthorized POA Were signed or attested to without my knowledge or consent Were used to list USAA as a lienholder despite the lack of a perfected interest This filing directly violates 625 ILCS 5/3-201 ( a ) and 26 CFR 301.6323, both of which require a creditor to perfect a lien at the time of contract execution to secure their interest.

USAA never perfected a lien at the time of purchase, and I retain the original lien-free title issued to me by the Illinois Secretary of State in XX/XX/XXXX. 

3. False Credit Reporting Despite lacking a lawful lien or perfected interest, USAA reported a vehicle loan to national consumer reporting agencies as : Valid Secured Delinquent This reporting was : Knowingly false Maintained after repeated disputes Never corrected, updated, or properly investigated These actions constitute willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and 15 U.S.C. 1692e ( 8 ) under the Fair Debt Collection Practices Act ( FDCPA ).

4. CFPB Filings and Pattern of Evasion Between XXXX and XXXX, I submitted over a dozen CFPB complaints regarding these issues. USAA repeatedly : Provided non-responsive boilerplate replies Marked new complaints as duplicates Failed to provide any valid proof of lien or ownership Avoided addressing the core issues of forgery, false reporting, and POA fraud 5. Retaliatory Closure of My Credit Card Account Following my escalated filings and continued credit disputes, USAA abruptly closed my credit card account citing fraud. I was : Not notified of any specific fraudulent charge or event Given no opportunity to review or rebut the basis of the closure Left with damaged credit and limited recourse This closure appears retaliatory in nature and timed to reduce exposure for USAA. It disrupted my credit profile and created hardship. This conduct potentially violates the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/2 ).

6. Securitization, Bundling, and Financial Harm I have reason to believe that : My auto loan agreement and/or credit card account were securitized, or sold into a structured finance vehicle such as an Asset-Backed Security ( ABS ) or Collateralized Loan Obligation ( CLO ) USAA bundled my auto contract and credit card account together, increasing the assets trade value on the secondary credit markets USAA used the fraudulent lien and false perfection documents to misrepresent the vehicle loan as secured in order to enhance the assets tradeability Once these actions were challenged via my CFPB filings and disputes, the credit card was abruptly closed, potentially to distance USAA from regulatory exposure or fraud liability These actions likely violate : SEC Rule 10b-5 ( 17 C.F.R. 240.10b-5 ) under the Securities Exchange Act of XXXX, which prohibits fraud in connection with the sale or trade of securities Truth in Lending Act ( TILA ), 15 U.S.C. 1631, for failure to disclose bundling or securitization risks Federal Reserve Regulation Z, which requires full transparency in the sale or assignment of consumer credit contracts I did not authorize any bundling, securitization, or sale of my credit profile for market use. Any attempt to do so using forged or fraudulently perfected documents renders the transaction unlawful and materially misleading to investors and regulators.

7. Laws Violated by USAA and/or Its Agents Based on the facts stated above, I allege USAA violated : 720 ILCS 5/17-3 Forgery 625 ILCS 5/3-201 ( a ) Unlawful lien filing without perfection 26 CFR 301.6323 Invalid federal lien without proper documentation 18 U.S.C. 1341 Mail fraud 18 U.S.C. 1343 Wire fraud 15 U.S.C. 1681s-2 False credit reporting ( FCRA ) 15 U.S.C. 1692e ( 8 ) Failure to mark debt as disputed ( FDCPA ) 15 U.S.C. 1631 Failure to disclose material credit facts ( TILA ) 815 ILCS 505/2 Deceptive business practices ( ICFA ) SEC Rule 10b-5 ( 17 C.F.R. 240.10b-5 ) Securities fraud by omission or misstatement 8. Request for Remedy and Referral I respectfully demand and request : Immediate release and removal of the fraudulent lien from my vehicle title Permanent deletion of all false credit reporting related to the disputed auto loan Written explanation for the closure of my credit card account A full investigation into all XXXX filings, forged documents, and securitization records Referral of this affidavit to the Illinois Attorney General, Consumer Financial Protection Bureau, and Securities and Exchange Commission ( SEC ) for further legal action CERTIFICATION PURSUANT TO 735 ILCS 5/1-109 I, XXXX XXXX XXXX, certify under penalty of perjury under the laws of the State of Illinois that the statements set forth in this Affidavit are true and correct to the best of my knowledge and belief. 

Executed on : XX/XX/XXXX By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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