Debt collection -- Attempts to collect debt not owed -- Complaint #9074728
Complaint Overview
Complaint ID: 9074728
Company: United Services Automobile Association
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Texas
ZIP Code: 75238
Date Received: 2024-05-22T12:00:00-05:00
Date Sent to Company: 2024-05-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Request for Debt Validation and Verification Dear USAA FEDERAL SAVINGS BANK I am writing to request validation and verification of the debt you claim I owe, as detailed in the information on my consumer credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request proof that I am legally obligated to pay this debt. Please provide the following information : The amount of the debt, including an itemized accounting of fees, interest, and other charges. The name and address of the original creditor. A copy of the original signed agreement or contract that created this debt. Evidence that you are legally authorized to collect this debt on behalf of the original creditor. Copies of any judgments or legal documents related to this debt, if applicable. Proof that the statute of limitations on this debt has not expired. Confirmation of the current holder of the note, and if applicable, a copy of the note bearing my signature and documentation showing the transfer of the note to the current holder. A copy of the initial communication sent to me regarding the debt collection, including the date and method of communication. I also request that all collection activities cease until this debt is validated and verified as required by law. Please respond to this request within the XXXX period specified by the FDCPA. Sending this request is not an acknowledgment or acceptance of the debt, nor is it a promise to pay. I reserve the right to dispute the debt further if the information provided is inadequate or incorrect.
Frequently Asked Questions
What is Complaint #9074728 about?
Complaint #9074728 was filed against United Services Automobile Association regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-05-22T12:00:00-05:00.
How did United Services Automobile Association respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.