USAA Collections on Your Credit Report? Fight Back and Win

If you've been contacted by USAA Collections, it means that you most likely have a debt that is seriously overdue and could be negatively impacting your credit score. Fortunately, there are steps you can take to rectify the situation and get the USAA account removed from your report. 

In this article, we provide you with all the details you need on USAA Collections - including what they do, how they operate and what actions you need to take to start restoring your credit. Keep reading to learn how you can retake control of your finances. 

What Does USAA Collections Do?

USAA is a financial services group, and one of the largest banks in the United States. They manage their own debt collection in-house using standard tactics such as letters and phone calls to encourage payment from customers whose accounts have fallen behind. If a customer continues to neglect their debts, USAA may take legal action, including filing lawsuits against those with more seriously delinquent accounts. 

Some of the tactics the organization uses when trying to extract payment can be invasive and unrelenting, so it's important for borrowers to be aware of their rights if they are contacted by a debt collector - even a well-known organization like USAA.

Is USAA Collections a Legit Company?

USAA Collections is a legitimate branch of the USAA financial group. If you’ve been contacted by this company, it likely means you have a credit or loan account that is seriously delinquent. The company’s information can be found below:

• Phone Number: (800) 531-2265
• Website: https://www.usaa.com/
• Address: 10750 Mcdermott Fwy San Antonio, TX 78288-0002
• BBB Rating: 1/5 

USAA has the right to recover unpaid debts but it is not uncommon for them to pursue the wrong person for a debt. That's why it's important to take the time to verify a debt if you believe it isn't your own by thoroughly reviewing your credit report for any inaccuracies. 

If you need help with this, our team at Fair Credit will not only review your case for free, but we will be able to identify errors on your report, and dispute them on your behalf to ensure they get removed.

What Can I Do If I’m Being Harassed by USAA Collections?

It’s important to know your rights under the Fair Debt Collection Practices Act (FDCPA) if you are being contacted by USAA Collections about a debt. This act outlines the actions and interactions a debt collection agency is allowed to have with consumers – outlining responsibilities, protections and rules designed to promote fair treatment of debtors.

 Understanding these laws can help ensure collectors are held accountable for complying with their responsibilities, while also providing debtors with their rights throughout the entire process. Some prohibited behaviors under federal law include the following:

• Making false or misleading representations while collecting a debt.
• Publishing a list of consumers who allegedly refuse to pay debts, unless it is done in compliance with state law.
• Attempting to collect amounts not authorized by the original agreement or permitted by law.
• Threatening arrest or legal action if the debt is not paid, unless it is allowed under state law and the creditor intends to take such action.
• Communicating with the debtor multiple times per day or at unreasonable hours, such as late nights and early mornings.
• Communicating with third parties about the debt without the consumer's permission or knowledge, unless absolutely necessary for collection efforts (e.g., an attorney).
• Harassing or abusing consumers verbally or in writing, through abusive language, threats of violence, or obscene language.

Protecting your rights as a consumer is essential. If you feel that a collector has violated them, taking legal action and filing a lawsuit is the best course of action. To provide yourself with the strongest case possible, thoroughly document any offenses you encounter. 

If you’re considering pursuing litigation against USAA, it’s best to seek counsel from an attorney who has experience in consumer law; this will ensure that your claim is handled effectively and efficiently. 

How Can I Get USAA Collections Removed from My Credit Report? 

The first step to getting a USAA collections account removed from your credit report is to contact the creditor directly. By doing this, you can explain your situation and attempt to negotiate a payment plan or other resolution with them. Additionally, you may be able to dispute any incorrect information on the report if it appears that there are any errors.

Here are some helpful tips for getting a USAA collections account removed from your credit report:

• Request a “goodwill adjustment” from the creditor—this may result in them removing the collections account from your credit report.
• Send letters of dispute to all three main credit bureaus—Equifax, Experian, and TransUnion—if you believe any information on the report is inaccurate.
• Make sure to keep records of all correspondence and document proof of payment if applicable.
• Request that the creditor update your record after payment is complete so that it will reflect positively on your credit score in the future.

In addition to these steps, it’s important to be aware of how long a collections account stays on your credit report so that you can take proactive measures if need be. Generally speaking, most collections accounts will remain on your report for up to seven years. 

To ensure that this doesn't interfere with any major financial decisions - like applying for a loan - try monitoring your credit score regularly and addressing issues as soon as possible.

Contact Us For Your Free Case Review

The attorneys at Fair Credit offer effective solutions for clients navigating the stress of debt collections. We can help you understand your rights and how to protect yourself from aggressive debt collectors. 

With our free case review, we assess your situation and offer tailored advice that is just right for you. If your finances or credit score are being affected due to debt collections, contact us today and get the help you need.