Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/XXXX, I began to draw down my USAA checking account ( account number : XXXX ) and its companion credit card account, Signature Visa ( account ending in ***** ). I tried to close both accounts but I was stonewalled by USAA, so I left both accounts in limbo ( bad mistake on my part!!!! ). 

During XX/XX/XXXX, I began to receive dunning emails from USAA that said that I owed monies on the credit card account ( attachment # 1 and 2 ). I telephoned USSA and asked their staff members how I had acquired these charges. They were very evasive. From what I could deduce from an examination of my web site account, there was a returned check ( I did not write any checks on this account after the draw down and it is a credit card account ) and a mountain of non-sufficient fund fees. The USSA staff was not able to tell me to whom the check was written. 

USSAs letter of XX/XX/XXXX states that the monies due to them for the credit card account ending in XXXX was {$31.00} ( attachment # 3 ). 

After many fruitless go arounds, I decided that I wanted to be rid of USSA and I bite the bullet and wrote them my personal check number XXXX for XXXX XXXX dollars and XXXX XXXX cents ( {$7500.00} ) with a certified letter requesting closure of all accounts ( attachment # 4 ). The United States Postal Service certified that the check and letter was delivered to XXXX on XX/XX/XXXX. XXXX at XXXX ( attachment t # XXXX XXXX. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX member who gave his name as XXXX XXXX their Credit Card Services called me asking for a XXXX XXXX dollars plus ( XXXX ) payment. I told him I already sent a check to USSA for XXXX. He said he couldnt find it so I should give them another payment. I said that could lead to double payments. I asked him if the XXXX XXXX dollar and XXXX XXXX cents would cover all my accounts so they could be finally closed. He said he was in credit card and couldnt tell me about my other USSA departments. I asked him to put, on the phone, a supervisor who could view all departments. XXXX said that there was none available. At that point, I ended the conversation. 

I received an letter ( attachment # 6 ) from USAA dated XX/XX/XXXX asking for a total due of {$40.00} for a credit card account ending in XXXX. I have no knowledge of this account!!! 


I received an USAA letter dated XX/XX/XXXX stating : We strongly urge you to ... immediately pay the amount due of of {$40.00}. There is no explanation of how I could have amassed such a debt and also is it all that USAA claims that I owe ... ... Just pay! 

On XX/XX/XXXX, XXXX XXXX am, I received a telephone call from XXXX who said that she was a representative for USAA and that I should send them XXXX dollars ( {$40.00} ). I asked if this would settle all monies owed ro USAA. She said that she did not know. I asked her to put on the phone an official of USAA who could assure me that this amount would cover all claims by them. XXXX said there was no such official available. 

I have sent to USAA my check # XXXX dated XX/XX/XXXX for {$75.00} ( photo of check and certified letter included in my complaint ). USAA will not tell me if the {$40.00} is additional to or is all that I owe them. I just want to be rid of USAA now and forever! 

We receive a recorded USAA debt collection telephone call several mornings a week at around XXXX XXXX Can you help me end this nightmare with USSA. I just want to know how this mess began, how it ballooned into such a large sum and how to be rid of USSA forever. an you help me get out of this fiscal XXXX. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation