Debt collection -- Written notification about debt -- Complaint #5698631
Complaint Overview
Complaint ID: 5698631
Company: United Services Automobile Association
Product: Debt collection
Sub-Product: Other debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: South Carolina
ZIP Code: 29710
Date Received: 2022-06-22T12:00:00-05:00
Date Sent to Company: 2022-06-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My son was in an XXXX accident in GA with my car, both were insured by XXXX XXXX Both cars were total losses, and mercifully there were no reported injuries. My son 's passenger worked for XXXX at the time, and my son offered to our insurance adjustor that he had volunteered to bring her to a grocery store. XXXX XXXX denied our claim, stating that my policy did not provide such coverage, and their payout was zero. We had to incur stiff towing and storage fees, that were also not covered, we also have not been able to replace our car. USAA, the other driver 's insurance company, has hired XXXX XXXX to collect $ XXXX in subrogation costs that they paid out to her for her vehicle loss. Because XXXX XXXX denied our claim, we are being harassed by XXXX XXXX who is claiming to be a law firm, and is in fact a debt collection agency. They have called us no less than 9 times, emailed us, and sent 2 sets of demanding letters in 3 weeks. They have threatened to have our licenses suspended by the state of South Carolina if this debt is not paid in a timely manner. Never did they mention, or does it state on their demand letters, that this claim could be disputed. With each call they ask if we are able to pay this large sum. Although it is a hardship, we have spoken with a lawyer in order to dispute and potentially have this claim dismissed. We are not seeking litigation, and we do feel we are not being treated fairly or decently by XXXX XXXX. This has also negatively impacted my son 's condition of XXXX XXXX for which he is being treated. Our stress level is quite high at the prospect of a possible judgement against us, and having our licenses suspended. We do not have the funds to pay this debt that we feel is not ours, and really do not have extra revenue for retaining legal counsel at this time. Thank you for your time and the opportunity to state our case.
Frequently Asked Questions
What is Complaint #5698631 about?
Complaint #5698631 was filed against United Services Automobile Association regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2022-06-22T12:00:00-05:00.
How did United Services Automobile Association respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against United Services Automobile Association?
Yes, visit the United Services Automobile Association company profile at readthecomplaint.com/company/united-services-automobile-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.