Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA XXXX XXXX XXXX has willfully dishonored lawful tender, retained multiple negotiable instruments without lawful return, and continued to issue billing statements in violation of federal commercial law, trust jurisdiction, and private tender protections. 

On or about XX/XX/year>, the XXXX XXXX XXXX XXXX XXXX, a perfected private foreign estate, issued XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) in the amount of {$840.00} to USAA as full and final settlement of the alleged insurance obligation identified as XXXX ID : XXXX. 

This check was remitted in lawful money under [ 31 U.S.C. 5118 ], [ UCC 3-311 ], and [ Public Law 73-10 ], supported by a notarized Affidavit of Good Faith Tender, mailed by Certified Mail, and executed under private trust authority.

USAA retained the instrument and never returned it, rejected it, or issued a lawful notice of dishonor. Instead, a representative from USAA contacted the Trustee by phone shortly thereafter, attempting to verify identity and details of the instrument.

The call lasted approximately 7 to 10 minutes, and the agent made clear they had received the remittance. Despite this verbal admission of receipt, no written rebuttal or affidavit of dishonor has ever been provided.

Following that phone call, USAA continued to issue billing statements and collection emails, including a XX/XX/year>, billing reminder showing the same original amount due ( {$840.00} ) and the same Bill ID ( XXXX ). This constitutes a second presentment after retention of a negotiable instrument, a violation of [ UCC 3-603 ], [ UCC 3-505 ], and the Law Merchant.

To date, none of the Trusts instruments have ever been lawfully returned or dishonored in writing. This was not the first remittance ; the Trust has submitted multiple instruments to USAA over time, none of which have been rebutted or acknowledged. These actions confirm a sustained pattern of commercial dishonor, attempted double recovery, and failure to declare a valid settlement policy in accordance with [ 18 U.S.C. 8 ].

The Trust does not consent to the jurisdiction of consumers. This account was tendered in good faith under trust law and lawful money authority. The continued billing activity by USAA, without affidavit, contract, or lawful rebuttal, constitutes : Fiduciary breach Constructive fraud Retention for unjust enrichment Suppression of settlement Coercion and harassment under [ 15 U.S.C. 1692d ] USAA XXXX XXXX XXXX has violated multiple principles of administrative due process by failing to return the check, by ignoring lawful presentment, and by continuing to demand payment after settlement had occurred. 

This complaint is hereby entered into the regulatory record as a matter of lawful enforcement, public protest, and evidentiary reservation of rights. The Trust is paid in lawful money and stands in honor. USAA stands in dishonor. 

________________________________________ Respectfully submitted on behalf of : XXXX XXXX XXXX XXXX XXXX. 
By : XXXX XXXX, XXXX, Attorney in Fact XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX XXXX Email : XXXX All rights reserved.

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