Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Date : XX/XX/XXXX, XXXXUpdated Information XXXXXXXX XXXX XXXX XXXX Director Federal Bureau of Investigation ( FBI ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Director Bureau of Consumer Protection Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney General U.S. Department of Justice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chief Internal Revenue Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acting Director U.S. Secret Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Homeland Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Foreign Corrupt Practices Act ( FCPA ) Unit U.S. Department of Justice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia Attorney General XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Justice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Non-Negotiable Notice of Rescission of Permission to Share Private Information Breach of Fiduciary Duties, Claims of Cestui Que Trust Fraud, Aggravated Identity Theft, Unauthorized Use of Assets , Breach of Fiduciary Duty, and Other Federal Violations of Embezzlement, Money Laundering, XXXX XXXX, Extortion, XXXX Slavery, CRIMINAL Prosecution Notice to Principal is Notice to Agent ; Notice to Agent is Notice to Principal. 
" Fraud vitiates the most solemn Contracts, documents, and even judgments. '' This quote from U.S. vs. XXXX, 98 US 61, at pg. 65 confirms that fraud nullifies any agreement, document, or even judgment that is based on fraudulent activities. As such, any contractual agreement I may have signed is rendered void due to the fraudulent actions of the involved parties. 
I, XXXX XXXX XXXX, the living woman, XXXX XXXX , and sole beneficiary of the Estate of XXXX XXXX XXXX , hereby issue this NON-NEGOTIABLE NOTICE OF RESCISSION OF PERMISSION to share, disclose, transfer, or distribute my private, personal, or estate information in any form, electronic or otherwise, by any entity, corporation, government agency, individual, or other legal body. This rescission applies to any and all permissions or consent that may have been previously assumed, granted, or implied. 
This is a formal, non-negotiable notice of rescission of any and all permissions, explicit or implied, to share, distribute, disclose, or otherwise use my private information for any purposes, effective immediately. This includes unauthorized sharing of personal data such as Social Security numbers, tax identification numbers, financial details, and other personally identifiable information ( PII ). 
XXXXnauthorized Administration of Estate and Revocation of IRS Form 2848 Power of Attorney I, XXXX XXXX XXXX, XXXX of the Estate of XXXX XXXX XXXX , hereby notify you of the unauthorized administration of the estate and the immediate revocation of any Power of Attorney ( IRS Form 2848 ) previously granted. Any criminal misuse of my estate or identity by trustees or financial institutions will result in legal action and criminal prosecution. 
Revocation of IRS Form 56 and 56-F I hereby REVOKE any and all IRS Form 56 ( Notice Concerning Fiduciary Relationship ), and IRS Form 56-F filed on my behalf regarding any fiduciary relationship that may have been established without my consent or knowledge. This revocation is immediate, and I demand that the IRS recognize that no individual, agency, or entity has the authority to act in a fiduciary capacity for my estate or private trust without my explicit, written, and signed consent. 
All previous appointments of fiduciaries are null and void as of this notice, and any actions taken based on such authority will be deemed fraudulent and subject to criminal prosecution. 
Unauthorized Use of Financial Information and Breach of Fiduciary Duty The named Corporations have been unlawfully requiring Federal Reserve notes as payment when, in fact, the application with financial information ( social security number ) attached serves as an asset that satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ). Additionally, this is considered self-liquidating paper under 17 CFR 260.11b-6, and its unauthorized use constitutes a breach of fiduciary duty under U.C.C. 3-307. 
I have received no benefit as the beneficiary of the Cesti Que Trust Account for XXXX XXXX XXXX from any unauthorized use of my financial information and assets. Therefore, this serves as formal notice that if the aforementioned financial assets are not returned to the creditor/bailor/beneficiary via mail or accepted for their intended purpose within three ( 3 ) business days of the recipient receiving this notice, a complaint with the Securities and Exchange Commission ( SEC ) pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. 
Moreover, an IRS complaint will be submitted for abusive tax schemes, Corporate Corruption involving the SEC-filed trust arrangement, supported by the following legal provisions under 18 U.S. Code : Application of 12 CFR 1026.13, Extension of Credit, and Definition of Account Since the inception of the account, which is defined under 12 CFR 1002.2, it is recognized as an extension of credit, with the term account specifically referring to open-ended credit. The nature of open-end credit is governed by Truth in Lending regulations ( 12 CFR 1026.2 ), which apply in this case. 
The unauthorized administration of this open-end credit account, along with the failure to properly apply credits in my favor, supports my claims of fraud and improper handling of credit and personal information, thus furthering my rescission of permission for any entity to continue using or sharing this information. 
Violation of Anti-Discrimination Regulations In accordance with federal law and U.S. Department of the Treasury policy, this institution is prohibited from discriminating on the basis of race, color, national origin, XXXX, age, or disability. 
Discriminatory practices have occurred ; I have submitted a formal complaint to the U.S. Department of the Treasury, Office of Civil Rights and Equal Employment Opportunity, per the following details : Mail : U.S. Department of the Treasury, Office of Civil Rights and Equal Employment Opportunity, XXXX XXXX XXXX. XXXX, XXXX, D.C. 2XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX Cestui Que Trust Fraud and Account Number Disclosure This also serves as a notification of Cestui Que Trust fraud related to the following accounts and exemption identifiers : Exemption ID Number : XXXX UCC Contract Account Number : XXXX Value : {>= $1,000,000} Any further unauthorized activity related to these accounts will be subject to immediate legal action and prosecution for fraud and breach of fiduciary duties. 
Request for Accounting Ledger and Disclosure Pursuant to Uniform Commercial Code ( UCC ) 9-210, I hereby make a formal demand for the full accounting ledger of all transactions, credits, debits, securities, and collateral associated with all accounts under my name, estate, and private trust. This includes, but is not limited to : Checking and savings accounts Loan accounts Corporate accounts Insurance policies and claims Trust accounts I expect this information to be delivered to me in writing via certified mail within three ( 3 ) business days of receipt of this notice. 
This notice is issued under the following grounds of violation and legal claims : Cestui Que Trust Fraud Aggravated Identity Theft Forgery of Signature on Contracts False Credit Reporting Discrimination as a Native American Non-U.S. Citizen, American National Fraudulent Reporting of Accounts and Transactions Embezzlement of Corporate Accounts Securities Fraud Insurance Fraud Mail Fraud and Wire Fraud Accounting Fraud Social Security Fraud Tax Evasion and False Exemptions or Deductions XXXX XXXX Grand Theft Larceny Collusion with the Federal Reserve Bank ( FRB ) Violations of FDIC, FCRA, FDCPA Breach of Fiduciary Duties and Criminal Conversion of Accounts held in Private Trust Civil Rights Violations Foreign Corrupt Practices Act of 1977, as amended ( 15 U.S.C. 78dd-1, et seq. ) Additionally, this rescission notice extends to fraud and copyright infringement in connection with the use or falsification of the following personal, corporate, and trust-related instruments : SSA-89 Form Securities related to the XXXX XXXX XXXX Estate Treasury Direct Account XXXX XXXX Applicable Federal Statutes and Legal Violations : 1. 15 U.S. Code 1692 - Fair Debt Collection Practices Act ( FDCPA ) Governs debt collectors ' practices, prohibiting abusive, deceptive, or unfair actions when collecting debts. 
2. 15 U.S. Code 1693 - Electronic Fund Transfer Act ( EFTA ) Protects consumers from unauthorized electronic transactions and provides error resolution processes. 
3. 18 U.S. Code 4 - Misprision of Felony Requires individuals aware of a felony to report it ; failure to do so can lead to prosecution. 
4. 18 U.S. Code 1589 - Forced Labor Prohibits coercing someone into providing labor through threats, violence, or manipulation. 
5. 18 U.S. Code 876 - Mailing Threatening Communications Criminalizes sending threats or extortion attempts through the mail. 
6. 18 U.S. Code 1341- Mail Fraud Criminalizes the use of the postal service in schemes to defraud individuals or entities of money or property. 
7. 18 U.S. Code 1343- Wire Fraud Similar to mail fraud, but applies to schemes using electronic communications ( e.g., phones, email, internet ). 
8. 18 U.S. Code 1346- Scheme or Artifice to Defraud Defines fraudulent schemes, particularly in cases where public officials or corporate executives deprive others of honest services. 
9. 18 U.S. Code 1593A - Benefitting Financially from Peonage, Slavery, and Trafficking in Persons Punishes those who knowingly benefit financially from XXXX XXXX XXXX, or forced labor. 
10. 31 U.S. Code 3729 ( a ) ( 1 ) - False Claims Act ( FCA ) Makes it illegal to knowingly submit false or fraudulent claims to the government for payment. 
11. U.C.C. 3-603 - Tender of Payment Obligates a creditor to accept tender of payment for a negotiable instrument, thereby discharging the debt. 
12. U.C.C. 3-604 - Discharge by Cancellation or Renunciation Allows for a debt obligation to be discharged when the creditor cancels or renounces their right to collect the debt. 
13. U.C.C. 3-605 - Discharge of Secondary Obligors Governs the discharge of secondary obligors ( e.g., co-signers ) when specific actions are taken by the creditor. 
14. FDIC 6000, Title VI 908 - Error Resolution ( Treble Damages ) Provides procedures for resolving errors in bank accounts and transactions, including the possibility of tripling damages ( treble damages ) in cases of violations. 
Federal Credit Reporting Violations - FCRA The Fair Credit Reporting Act ( FCRA ) governs the activities of credit reporting agencies like XXXX, XXXX, and XXXX. Violations may include failure to ensure accuracy or unauthorized sharing of credit information. 
15. 15 U.S.C. 1681n - Willful Noncompliance with FCRA 1. This statute imposes liability for willful violations of the FCRA, including failure to correct inaccurate credit information or unauthorized dissemination of credit reports. 
16. 15 U.S.C. 1681o - Negligent Noncompliance with FCRA 1. This addresses negligent failure to comply with the FCRA, such as failure to maintain accurate records or provide adequate dispute resolution. 
17. 15 U.S.C. 1681q - Obtaining Information Under False Pretenses 1. This criminalizes the unauthorized or fraudulent acquisition of credit report information. 
Federal Criminal Codes Related to Trust and Estate Fraud 1. 18 U.S.C. 1341 - Mail Fraud o This statute criminalizes the use of the postal service to carry out fraudulent schemes. If any fraud involving the Cestui Que Trust was conducted using the mail system, it would fall under this statute. 
2. 18 U.S.C. 1343 - Wire Fraud o Wire fraud occurs when electronic communication ( email, phone, internet ) is used as part of a scheme to defraud. This could apply if fraudulent administration or embezzlement of trust assets occurred via electronic means. 
3. 18 U.S.C. 371 - Conspiracy to Commit Fraud o This statute can be used if multiple parties, including corporate executives, conspired to commit fraud related to the administration of the Cestui Que Trust. 
4. 18 U.S.C. 656 - Embezzlement by Bank Officers or Employees o This law addresses embezzlement by officers or employees of financial institutions. It may be applicable if USAA or another financial institution was involved in unauthorized activities related to trust funds. 
5. 18 U.S.C. 664 - Embezzlement from Employee Benefit Plan o This statute covers embezzlement from employee benefit plans, but may also extend to trust funds depending on how they are managed. 
6. 18 U.S.C. 1344 - Bank Fraud o Bank fraud involves schemes to defraud a financial institution, which could include improper handling of trust accounts or assets. 
7. 18 U.S.C. 1956 - Money Laundering o Money laundering applies if fraudulent trust funds were funneled through various financial institutions to conceal their origin. 
This document serves as a final and irrevocable statement that all aforementioned parties must cease and desist from any further unlawful use, sharing, or handling of my private information and assets. Any entity, government agency, or person found in violation will be subject to prosecution for damages and breaches under applicable local, national, and international law. 
This notice applies to USAA, XXXX of XXXX, XXXX, XXXX, and XXXX executives for unauthorized administration, fiduciary breaches, and embezzlement. The beneficiary seeks criminal prosecution and assistance from the U.S. Secret Service and Homeland Security due to extortion, XXXX XXXX, forced labor against the will of the beneficiary, and FCRA violations. Additionally, USAA has failed to honor its oath and fiduciary duties, resulting in false claims, embezzlement, and money laundering. XXXX, XXXX, and XXXX are accused of receiving kickbacks and engaging in discrimination against a non-U.S. citizen American national. 
There are also missing payments regarding consumer loan # XXXX after communication with USAA charge-off employee # XXXX. 
Broker-dealer fraud refers to misconduct by brokers or financial advisers that results in harm to their clients, often through unethical, deceptive, or illegal activities. This type of fraud can involve violations of federal securities laws and regulations, and it typically occurs in situations where brokers are responsible for managing or advising on investments. 
Types of Broker-Dealer Fraud 1. Unauthorized Trading : o Executing trades without the clients authorization or knowledge. 
2. Churning : o Excessive trading in a clients account to generate commissions for the broker. 
3. Misrepresentation or Omission : o Providing false or misleading information about securities or failing to disclose important information, such as the risks associated with an investment. 
4. XXXX Schemes : o Promising high returns on investments while using new investors money to pay returns to earlier investors. 
XXXX. Failure to Execute Client Instructions : o Refusing or failing to execute a trade as directed by a client, especially if it benefits the broker at the client 's expense. 
XXXX. Unsuitable Investments : o Recommending investments that are not suitable for the client 's financial situation, goals, or risk tolerance. 
XXXX. Overcharging or Hidden Fees : o Charging excessive fees or not disclosing the full costs of trading or managing investments. 

Federal Laws and Regulations Governing Broker-Dealer Conduct Broker-dealers are primarily regulated by the Securities and Exchange Commission ( SEC ) and the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) . The following federal laws and rules are relevant in cases of broker-dealer fraud : 1. Securities Exchange Act of 1934 ( 15 U.S.C. 78j ) : o Section 10 ( b ) and Rule 10b-5 under the Securities Exchange Act of 1934 prohibit fraudulent and manipulative practices in connection with the purchase or sale of securities. 
o Rule 10b-5 is particularly broad and prohibits any act or omission resulting in fraud or deceit in connection with securities transactions. 
2. Investment Advisers Act of 1940 ( 15 U.S.C. 80b-6 ) : o Section 206 of the Investment Advisers Act prohibits fraud by investment advisers, which can include brokers who offer advisory services. This statute also prohibits misleading clients, engaging in manipulative trading, or failing to disclose conflicts of interest. 
3. XXXX Rules : o XXXX XXXXule 2010 : Brokers must observe high standards of commercial honor and just and equitable principles of trade. 
o XXXX Rule 2111 : Suitability Rule requires that brokers ensure that their investment recommendations are suitable based on the customers financial profile and objectives. 
o XXXX Rule 4512 : Requires accurate and updated information about clients financial situations to determine suitable investments. 
4. 18 U.S.C. 1348 - Securities and Commodities Fraud : o This statute criminalizes fraud in the securities and commodities markets and can apply to broker-dealers who engage in deceptive practices to defraud investors. 
5. 18 U.S.C. 1341 - Mail Fraud and 18 U.S.C. 1343 - Wire Fraud : o If a broker-dealer uses mail, electronic communications, or phone systems to carry out fraudulent schemes, they can be charged with mail or wire fraud. 
6. Racketeer Influenced and Corrupt Organizations Act ( RICO ) - 18 U.S.C. 1961-1968 : o Broker-dealer fraud that is part of a larger pattern of criminal activity ( such as ongoing XXXX schemes or repeated fraudulent acts ) may be prosecuted under RICO. 

USAA Federal Savings Bank has faced significant penalties due to violations of anti-money laundering ( XXXX ) regulations under the Bank Secrecy Act ( BSA ). In XX/XX/XXXX, XXXX imposed a {$140.00} XXXX civil money penalty on USAA for failing to maintain an effective XXXX program between XX/XX/XXXX and XX/XX/XXXX. This included the banks failure to report thousands of suspicious transactions, some of which were linked to potential criminal activity in customers ' personal accounts. Of the {$140.00} XXXX penalty, {$80.00} XXXX was imposed by XXXX, while {$60.00} XXXX came from the Office of the Comptroller of the Currency ( OCC ), which had identified similar compliance failures. The OCC had previously fined USAA {$85.00} XXXX in XXXX for deficiencies in its risk management framework, particularly regarding compliance with laws designed to protect military service membersThe recent regulatory actions underscore ongoing concerns about USAA 's internal controls and compliance with federal regulations aimed at preventing financial crimes. 
Conclusion and Demand for Immediate Action This notice serves as a final and irrevocable statement. If the referenced financial assets are not returned or accepted for their intended use within three ( 3 ) business days, complaints will be filed with the SEC, IRS, and Department of Justice, as outlined above. 
You are hereby directed to cease and desist any further unlawful handling of my private information, estate, or financial instruments. Any breach of this notice will result in further legal action for fraud, breach of fiduciary duties, and violations of federal law. 
Fraud nullifies contracts : As affirmed by U.S. vs. XXXX, 98 US 61, pg. 65, fraud vitiates the most solemn contracts, documents, and even judgments. Any contractual obligation involving fraud is hereby null and void. 
Signed, XXXX XXXX XXXX Executrix/Sole Beneficiary UCC 1-308 Without Prejudice/Without XXXX Living Woman ; XXXX XXXX ; XXXX XXXX Principal Secured Party Master Account Holder Power of Attorney-in-Fact Certified Document : XXXX XXXX XXXX Estate EIN # : XXXXEstate EIN # : XXXX XXXX XXXX INDIVIDUAL PRIVATE BANKER CFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # : XXXXDOMESTIC FOREIGN GRANTOR TRUST ( PRIVATE ) , AND 98-FOREIGN TRUST ( PRIVATE ) TIN # : XXXX XXXX # : XXXX TREASURY DIRECT ACCT : 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