Consumer complaint received 2026-05-21 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: VA

Complaint narrative:
I am submitting this formal complaint against USAA Bank regarding a disputed credit card account ending in XXXX. I am requesting a full investigation into the validity of the lending agreement, Truth in Lending disclosures, APR calculations, charge-off reporting, and failure to properly validate the alleged debt upon request. XXXX years ago, I was approved for a USAA credit card with an original credit limit of {$2000.00}. Over time, I began noticing inconsistencies and contradictions involving the APR terms, lending disclosures, and overall contractual agreement associated with this account. Approximately XXXX years ago, I formally disputed the validity of the account terms and requested verification and clarification from USAA Bank regarding the original contractual agreement, including the APR structure and Truth in Lending disclosures. Instead of resolving my dispute and providing the requested validation documents, USAA closed the account and subsequently charged off the balance. Despite the account closure, interest and fees continued to accumulate and compound over time. I was unable to continue using the original approved credit line due to the closure of the account, yet I remain financially responsible for a charged-off balance that currently remains approximately {$1500.00}. I have continued making timely payments toward this account in good faith despite USAAs failure to provide complete verification and supporting documentation previously requested in XXXX. Specifically, I requested validation of the original contractual agreement, verification of the APR terms, and documentation bearing my verified signature establishing the enforceable agreement for this account. To date, USAA Bank has failed to provide sufficient evidence validating the original lending agreement and disclosures as requested. Additionally, this charged-off account was reported to the credit bureaus in XXXX, causing substantial negative impact to my credit profile, financial standing, and overall creditworthiness while the account remains under dispute. I believe USAA Bank may have violated multiple federal consumer protection laws, including but not limited to : 1. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq. * Failure to clearly and accurately disclose APR terms, finance charges, and material lending terms. * Failure to provide transparent and understandable lending disclosures. 2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. * Reporting disputed and potentially inaccurate information to consumer reporting agencies without adequate investigation. * Failure to properly mark the account as disputed during reporting. 3. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. ( to the extent applicable ) * Failure to provide adequate debt validation after dispute and request for verification. 4. Consumer Financial Protection Act ( CFPA ) * Potential unfair, deceptive, or abusive acts or practices ( UDAAP ) involving lending disclosures, compounding balances after account closure, and failure to provide requested validation. 5. Applicable State Consumer Protection and Contract Laws * Failure to provide verifiable contractual documentation supporting the enforceability of the alleged debt obligation. I respectfully request that CFPB conduct a formal investigation into this matter and require USAA Bank to provide the requested documentation and explanations supporting the validity and enforceability of this alleged debt obligation. Thank you for your attention to this matter.

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