Date Received: 2018-02-15
Product: Credit card debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their ” USAA ” anything and thats why they can’t validate these debts. Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State/Zip: CA 902XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2814361
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.