Date Received: 2019-06-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am writing to dispute a billing error ( fraudulent usage of my debit card ) in the amount of {$150.00} with four fraudulent charges made on my account. The amount is inacurrate because someone fraudulently used my card after I lost it and was used at XXXX XXXX XXXX where I have never been. I followed all electronic Funds transfer rules and notified USAA immediately within an hour and the card was cancelled. The USAA employee said she would put in a fraud on those charges but never did. I spoke with someone in Security and he said they couldn't add the money back in because I did not file a police report even though no one told me I needed to. I filed a police report and sent a registered letter to USAA and never received any response from them after waiting three weeks. It is clear to me that USAA could care less about their customers and saw how many complaints about them on claims. Do not use them and keep in mind that those people in the commercials are clearly paid to say good things. They just use military people to make money off of them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80017
Submitted Via: Web
Date Sent: 2019-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I am a veteran. My husband and I were pre-approved by USAA and contracted to buy a home 3 weeks ago. We have submitted all supplemental items requested by the bank yet, we have not heard from our loan processor once. She apparently had some sort of situation and has been unable to address our loan. We were passed off to another loan processor who wouldn't respond to emails and then went on a week vacation without informing us, or having any sort of auto response to emails. She just disappeared for a week ( after several days of her not replying before she went on vacation to begin with ). We only found out when we called her manager to complain, who assured us our original loan processor was back. That was 5 days ago, still no word from her either. We need to have our loan commitment in 6 days, and we can't get ahold of any processor who is handling our loan. If we don't secure this loan in the next week we could lose our house. If they had an employee emergency and the alternate is too busy to help, someone should have told us that no one was handling our loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60015
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I checked my checking account balance via ATM in XXXX XXXX Louisiana as I was planning to make a purchase and noticed that my account balance was off by {$8600.00}. I immediately called USAA to report fraud on my account and come to find out I was actually negative {$17000.00}. I was under the impression that this account would be closed due to the recent fraud activities and I assumed no other transactions would be allowed. On XX/XX/XXXX my military paycheck was accepted into this same " closed '' account in which I argued with a CSR via phone but it was never refunded as USAA claimed that I was responsible for the fraud. At this point, I let it go and open another account with a different bank thinking this will eventually be resolved and I'll be refunded at least my last paycheck and they will check camera 's etc and see I was in another state and it was not me. Time goes on, I let it go until XX/XX/XXXX when I received a letter from the IRS stating I failed to claim the discharged debt of $ XXXX as income and therefore I now owe the IRS XXXX XXXX. What? I call the IRS to dispute and this is when I was told that USAA discharged $ XXXX and I was responsible for the taxes. A second letter was sent from the IRS demanding payment immediately and this prompted me to call USAA and ask specific questions regarding the fraud investigation. I spoke to a banking CSR named XXXX on XX/XX/XXXX. She was very helpful and answered a lot of questions as to the dates and amounts of the checks, the name of the account holder of the checks and she stated that she was looking at a copy of the checks as we were speaking. XXXX also mentioned that someone had called prior to XX/XX/XXXX and requested a withdrawal limit increase. I requested that a copy of the fraud investigation be sent out ASAP so I could forward this along to the IRS but I never received it ( XXXX stated it would be 2-5 business days ). USAA told me they sent a card to XXXX where the fraud was located. It so also happens to be the location of a USAA bank. USAA also concludes this investigation in less than 2 weeks. There are numerous complaints by numerous people claiming the same things happening to them. USAA sends me a letter stating that they failed to investigate fraud. But then simultaneously claim they actually investigated this claim. But somehow I was simultaneously in XXXX where the fraud took place and the fraud division is located.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Today, XX/XX/2019, we received an email saying our checking account had been arbitrarily closed and we had a {$0.00} balance. There was no date given when. There was something mentioned about they had no signature card on file. No one has sent us any information requesting any such thing so we do not know what they are talking about. When we called them today they said we had a XXXX dollar balance and they did not know why they closed our account. I verified our account information to the USAA representative on the phone. My husband then got on the phone and told the lady, who would not give her name, that she could not just decide to close our account as we had done nothing wrong and the government had deposited two social security checks and one VA XXXX check this month into our joint checking account and we still had {$1500.00} in our account and how could we have a {$0.00} balance without our permission to close our account. That was fraud. He told her he wanted to talk to the supervisor. XXXX came on the line as the department supervisor. My husband explained all the above to her and wanted to know what was the amount in our checking account before all this and she refused to talk to him about anything until he verified the account information AGAIN and I had already done that. She told him a check for the balance was going to be mailed to us today for the balance. He told her she could not just decide to close our account as they had accepted our deposits from the government and the bank could not close our account as we did not give them permission to do so and that was fraud and we would turn them in to the Banking Commission and the Attorney General of Texas and anyone else we could. She hung up on him. We now have 13 to 15 automatic drafts coming out of our now closed checking account with checks out in the mail to some bills that will now bounce. We got no notice of any kind prior to them closing this account. It also takes 4-6 weeks to get our government checks deposits put into new bank accounts so we will be messed up for that long into next month to have next months money available to us. She said we would receive a check in the mail in 7to 10 days so we are also without any money for that long again. We have also not been able to access on line our bank account to see what is going on in the account nor can we call to find out what has gone on with the account over the phone since they closed the account. Also they do not send us a paper version. We switched banks because they advertise they are there to help veterans and we wanted to get a lower interest mortgage loan they advertise for veterans on TV for an IRRRL loan. My husband is a veteran and was impressed with their ads on TV as such. Then after we got house and vehicle insurance it nearly doubled our costs for them and in the IRRRL loan for veterans they were not supposed to rely on your credit score to get the loan. They did require a certain credit score and turned us down also for the IRRRL loan. My husband, as a veteran, felt the company is doing a great disservice to our veterans by advertising as a veterans company who wants to help out the veterans. Now we will incur a bunch of bounced check fees for bounced checks since they closed our account with out our prior knowledge of permission. Not to mention being without any money available until their check gets here for up to 10 days, and the whole next month because our government deposit automatic checks take 4-6 weeks to change banks. This problem happened to us before when we changed banks when my wallet disappeared and we had to close another bank checking account and it cost is a lot of returned fees from other bills on Automatic Drafts not realizing it took so long to redirect the government deposit checks. This will make all our bills late and seriously affect our credit as well. Will they have to reimburse us for all these checks that start bouncing? What can be done about this and can they just close your account like this for no reason, isn't this fraud?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I applied for a car loan once and I have to hard inquires on my credit that is affecting my credit score. please remove one of the inquires a credit report is good for 45 days. As I was declined anyway.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30082
Submitted Via: Web
Date Sent: 2019-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I opened a secured credit card with USAA trying to build my credit. I secured it with my own money of {$700.00}. I paid the card perfectly for over two years until I took a job offer that didnt workout and put me behind. Like my other 2 secured credit cards once I got behind on the payment they closed the account with the money that I secured the card with ( my own money ). I had a limit with all 3 secured cards and the limit was whatever amount that I had secured the card with. Once these cards closed out the balance should have been zeroed out. USAA closed my account out in I believe XX/XX/XXXX, as well as my other two cards which showed XXXX balance. I checked my score last month and saw that according to USAA I had a balance of {$97.00}. I called and immediately paid the balance once I saw that. Then I started wondering why there was a balance. So I called and they informed me that my card was over balance. I asked them how is this possible in the 2 and a half years that I had the card they never let me go over balance and would even decline transaction that would put me within a couple dollars of maxing out. I asked the gentleman how this was possible it was a secured card he couldnt answer me he said sometimes it happens and the credit card companies allow the over balance by accident. I asked him what charges were made that allowed me to go over balance. He then informed me that the card went over balance by {$8.00} in XX/XX/XXXX. I maxed the card out in I believe XX/XX/XXXX moving back to AZ. He said they allowed another charge after the charge that brought me over balance of {$40.00}. I asked him so normally they wont allow you to go over you balance and it must have been a mistake for the first one, but it allowed 2 charges at separate dates when my card had been maxed out for a couple months. None of it made sense. He couldnt tell me anything but sometimes that happens and thats what happened and that he couldnt do anything for me. I then informed him that if I had of known there was an over balance I would have paid it. As soon as I found out months later ( which I was under then impression that that was impossible to go over balance on a secured credit card ) I immediately paid it. I asked him if there was anything they could do to adjust this because this wasnt right and not a single phone call was made to try and inform me that it was over balance, he just told me that he couldnt do anything and if I felt this was being was wrong and being reported incorrectly to dispute it. They way they are reporting it to my bureau is completely killing my score and is not right. I secured the card with my own money to insure that it would be paid and if something happened it would be covered. I have never been allowed to go over my limit the card will decline it and all of a sudden after a couple months of the card being maxed out they claim two separate charges on two separate days was allowed and put me over balance. Doesnt make sense and is really hurting my credit. Please help with this situation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 989XX
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Details of Disputed Charge, XXXX XXXX XX/XX/19 1 ) XX/XX/19 : I arrived home from work and had trouble getting in the front door of my home. The key was jammed and almost broke off in the lock. It was very important for me to get into my home as my wife was away on a trip that weekend and I was waiting for my XXXX son to arrive home from school. While my wife was away I was our sons sole XXXX and needed to follow our normal weekend routine. When I was able to get in the home I called my wife and explained what was wrong with the lock. Since the lock was very old and I needed to go out during the weekend for XXXX activities for my son we decided that the best course of action was to call a locksmith and have the lock replaced. I researched on the internet and found a Locksmiths who billed themselves as a twenty four hour emergency locksmith service ( XXXX XXXX ). I called their 1-800 number and spoke to a service representative who took my information. I assumed that this was a service that put consumers in touch with local locksmiths. I was later called directly by the locksmith himself who asked me to send pictures of the current lock. Later that evening he called me and told me that the lock was old and that the job would be fairly expensive. He quoted me a price of {$650.00} due to what he called the high security lock he had to install. I assumed that price was for the entire job. I spoke to my wife and we thought this price was high but that for the emergency service we would pay it. The locksmith agreed that he would come to my home at XXXX the next morning to replace the lock before I had to take my son to XXXX at XXXX. 2 ) XX/XX/19 : The next morning I received a call from the locksmith company asking if the locksmith could come over in the afternoon at about XXXX instead of the morning. I agreed but was not comfortable as I had to leave my home unlocked with our alarm system on. When XXXX came around the locksmith never showed up. I called the service and was told that the locksmith was running late and would be there at XXXX. I started to realize that the same man who answered the phone at the service seemed to be the same man that was the locksmith. The locksmith eventually showed up at XXXX. He spent approximately 2 hours working on the lock mechanism. This included drilling holes and using a chisel on the original door and frame. The type of lock he used was not the same as the original lock in that he used a knob type system and the original was a combination knob and lever system. The consequence of this installation is that the knob is too close to the door frame with the result that it pinches your thumb in closing the door. Also the door is very loose in the frame due to the locksmith gouging a large amount of wood from the frame. The installation itself is very shoddy and crooked. Obviously we will have to have another locksmith work on our door to make it usable. These deficiencies were only noticed well after the installation. After the locksmith finished the work I followed him out to his truck and he wrote up the receipt. I was quite surprised that he handed me a bill for {$960.00} and not the {$650.00} he quoted me on the phone. I mentioned this to him and he stated that the {$650.00} was for the lock itself and not the work. I was perturbed but also flustered. My son was in the house and was starting to feel ill and I needed to attend to him so I paid the locksmith with my USAA credit card and got on with the evening. 3 ) XX/XX/19 : In the morning I was attending to my son who fell ill with a XXXX XXXX. While I was taking care of him I started researching the price for mortise lock systems. Luckily the locksmith had left the box and paperwork for the system he had installed. During my research I could find no mortise lock systems anywhere near the price range of what the locksmith quoted to me. I was able to find the same exact system that was installed in my home for sale from XXXX for {$65.00}. Note that the price that the locksmith quoted is ten times the price of the part for sale on XXXX. This is no high security lock system but an average to below average lock that is available for sale through a number of retail outlets. When I saw the price of the part I immediately called the XXXX XXXX service number to complain. I explained the situation and told them I wanted my bill adjusted for the overcharged part. He told me that I had to get in touch with their customer service representative. He seemed quite agitated by my request and told me there was nothing he could do. After that call I immediately called USAA credit card services and spoke to a rep about my situation. She was very informative. She told me to call the company back the next day and try and work something out. If they were not responsive she said I would have the option of formally disputing the charge with USAA. 4 ) XX/XX/19 : I called XXXX XXXX in the morning. I waited on hold for at least twenty minutes. A female customer service rep who mumbled her name finally came on the line and asked me what issue I had. I explained what had happened and that I believed I was overcharged for my lock system. She asked me if I wanted an adjustment to my credit card for the {$650.00} I was overcharged and I said yes. She politely put me on hold. I stayed on hold for 45 minutes and after that lengthy period of time I was disconnected. I called back several times and each time they put me on hold and never answered the line. After this call I called USAA and spoke to a rep who helped me place a formal dispute on the fraudulent {$650.00} charge to my credit card. It is my belief that this locksmith preys on people ( like myself ) who are in an emergency situation and who dont know any better. If I hadnt followed up and checked on prices I would have been ignorant on how much I was overcharged. My signing the authorization to charge my credit card in no way was my agreement to be defrauded. Please help me adjust this charge. 5 ) XX/XX/19 After I provided the paperwork that the customer service representative asked me to provide them USAA closed my complaint without any investigation. XXXX, the first investigator on the case called my home twice and never got me ( even though he had multiple contact numbers for me ) and told me he closed the investigation because he wanted me to call him. He also never contacted the merchant to find out what his response was to the overcharge for my mortise lock. It seems to me that the merchant should have to respond for what they did and not the consumer. XXXX seemed to blame the transaction on me because I signed the receipt. I must reiterate that this is an instance of FRAUD! Simply signing a receipt, under duress I might add ( as I have explained ) does not open one up to fraud! I find it outrageous that USAA is more concerned with the rights of a disreputable merchant than the rights of their customer who has been a loyal member for over 30 years. Since I was not satisfied with XXXX work on my dispute I called USAA to have him replaced and requested to speak to a supervisor at the dispute resolution department. It took the supervisor 3 days to contact me even though he knew I was irate with the situation. XXXX, the supervisor who called back was better at explaining the situation than XXXX ie why USAA closed the investigation after two weeks and how I could dispute the charge anytime up to 120 days after the transaction. I am not, however, satisfied with his explanation on how signing a receipt opens one up to fraud! He stated that USAA looks at the signed receipt as a re-negotiation of the contract and that USAA only reviews the four corners of the contract. This makes no sense. In order for a re-negotiation to be valid there has to be actual negotiation between the parties. In order for a contract to be valid there needs to be bargained for consideration. There was none for the added charge and the fraudulent charge for substandard equipment. In this instance there was no actual negotiation at all. I was out in the street while my XXXX son, who was sick at the time was inside alone. I was given no time to evaluate the new price I was given after a previous estimate for a lower ( still exorbitant ) price. In short I was under duress at the time to sign a document that a slick criminal shoved in my face. This is the type of transaction USAA supports? As for the receipt being the controlling document because USAA only reviews the four corners of the contract this is invalid in instances of fraud. Courts routinely go outside of contractual documents in instances of illegal activity and look at the motive of the parties. In this case the motive was theft in a well-known con game and therefore invalid. Again, why is USAA supporting criminal activity and not their loyal customer? I was told that if I wanted to have any hope of being successful in my dispute I would have to get another locksmith in to review the work of the first merchant ( who was not a licensed locksmith ) and provide documentation of the shoddy work of the first merchant to USAA. Since the merchant truly did shoddy work I have complied with this request. USAA requested that I provide the paperwork before the end of the month. I explained that this may not be possible as I was working and may not be able to schedule the locksmith for before the end of the month. I did manage to get a letter from a reputable locksmith ( contained with this document ) after the end of XXXX referencing the shoddy work of the prior merchant. The situation as it turns out is worse than I thought so I am now disputing the entire charge of {$960.00} and would like a dispute of this amount opened up in my file. So far this has not happened. 6 ) XX/XX/19 I was able to get the name of a reputable locksmith form a neighbor, XXXX XXXX XXXX XXXX , XXXX located in XXXX NH. XXXX, the owner scheduled an appointment on XX/XX/19 to a look at the job done to my door by XXXX XXXX. I was able to squeeze in this appointment before I left for a short trip out of state. He was amazed at the poor and shoddy work plus the outrageous overcharge for the work done by XXXX XXXX. He told me that if I had called XXXX XXXX XXXX XXXX originally they could have just swapped out my old cylinder for less than a hundred dollars. He also was familiar with the scam that was run on me. It is well known that there are groups of criminals who are not licensed locksmiths ( Massachusetts has no licensing requirement ) that put in substandard equipment and hit consumers with surprise charges. I am appalled that USAA seems unaware of this fraudulent activity and would take the side of criminals running a well-known scam over a customer of thirty years! When XXXX reviewed the work that XXXX did there was absolutely nothing of their work that was usable. The cheap mortise lock they put in was the wrong lock for my door and was installed upside down and backwards. It was only partially functioning and because they installed the door plate improperly the door rattled in the frame and could not be closed securely. All that equipment had to be replaced. Additionally XXXX destroyed my original antique mortise lock which XXXX tried to reinstall in my door which would have been the most inexpensive solution. XXXX also severely compromised the strength of my door by chiseling wood from my antique door and gouging a deep hole in my door frame. Ultimately XXXX had to install a wraparound lock so the door would close securely so my family was safe while I was away. As this new lock system did not match the antique door itself XXXX had to order an antique finish wraparound lock which will be installed sometime in the future. I have provided this letter, the narrative as well as supporting pictures to USAAs dispute resolution department. Conclusion This experience has been a horrible one overall not just because I was robbed by a disreputable merchant running a well-known scam ( that USAA should be aware of ) but by the treatment I have received from USAA. For the most part USAA has treated like I was the criminal and made the process of filing a dispute overly complicated. If I have 120 days to dispute a charge why does USAA keep closing my dispute out every two weeks? Why cant I reach out directly to the dispute resolution team, either via phone or email? Each time I need to talk to the dispute resolution staff I have to go through the consumer service line. This takes time and then I have to wait for a call back. On top of that the consumer service reps wont just simply convey a message to dispute resolution without trying to help. On XX/XX/19 I called consumer services to reopen my dispute ( and increase it to the full amount ) as XXXX told me I could. The first rep did not understand what he was doing, put me on hold more than once and then inadvertently hung up on me. The second rep also did not know what they were doing and then misinformed me by telling me that my wife ( the original card holder ) would need to call and open up the dispute. I had to get that persons supervisor on the phone to fix that misrepresentation. I still have not received any correspondence confirming that my dispute has been re-opened and the message I left for dispute resolution to call me back has been ignored. What is going on at USAA? In the past five years USAAs customer service has been really terrible. My wife was an XXXX when I met her and she originally had USAA insurance. Over the years this has expanded to include loans and credit cards. After we were married I went back to school, acquired an advanced degree and received a commission in my own right from the XXXX 20 years ago. I have been mobilized twice, XXXX once and spent numerous times away from my family. I am still currently a member of the XXXX XXXX ( 35 years total service and counting ). I try to adhere to the XXXX values of Loyalty, Duty, Respect, Selfless Service, Honor, Integrity and Personal Courage. For a company that is supposed to be for the XXXX XXXX I dont see that USAA has adhered to any of those values. I see no reason to continue as a loyal member of USAA especially when that loyalty seems to run only one way. I am ready to take my business elsewhere. For whatever reasons USAA doesnt seem to care. If they lose too many like me USAA will cease to be a viable company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01844
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2019 I sent a person of the name XXXX XXXX who stated on XXXX that he owned a show business called XXXX. He stated that I should send him money through XXXX which is a company used through my bank USAA which I took a dispute out and received a letter back stating I would not receive my refund back for XXXX dollars because it was not a fraudulent transaction. I requested my money back from XXXX XXXX which was a scammer before I realized that I was being scammed. I contacted XXXX through my bank not knowing that my hard earn money would not be reimbursed because I didnt know of this. If I had known about XXXX not having a fraud protection plan I would not used them nor XXXX XXXX. I have banked with USAA for 17 years and I have never experienced this type of treatment or have ever been scammed. I would like to receive my refund back of XXXX dollars. Please do not use XXXX XXXX nor XXXX to do any online purchases. The guy got me for a total of XXXX dollars. I sent him {$920.00} plus {$320.00} on XXXX XXXX and {$300.00} through XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 79938
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/2014 I was added to a loan as a co-signer electronically by USAA without my consent or knowledge. I have made several phone calls to resolve my removal from the fraudulent loan as well as obtaining a police report and subsequent investigation into the matter. I am still on the loan and the bank has not gotten back to me at all about the removal and/or correction of this matter. This has affected my credit and hindered my ability to obtain other loans. It has been well over a month.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32003
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-07
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: In XX/XX/2014 I was an XXXX XXXX member ( XXXX XXXX ) with theXXXX. I purchased a used car and used USAA to finance the loan for the car purchase in the amount of {$12000.00} with an interest rate of 16.99 %. At the time i was new to auto purchases and lending and did not have any knowledge in regards to what an acceptable and reasonable auto loan interest rate would be, so i accepted the loan. Now 5 years later i have become more financially knowledgeable and have learned that 16.99 % is a predatory rate for auto loans and i feel i was preyed upon by USAA in addition to them violating the Military Lending Act. I am now in XXXX status with the XXXX XXXX and my financial situation has also changed drastically since i am now XXXX XXXX to further my long term career. Since then the vehicle has suffered some trouble and is a non-operating vehicle, so currently i am paying {$280.00} per month on a vehicle i am not able to use and is still subject to the 16.99 % interest rate. My remaining balance is {$5000.00}. I have reached out to USAA to try and work out a solution and they have told me that the only options are for me to default on the loan which would impact my credit score negatively or continue to make the payments and surrender vehicle and that would also impact my credit negatively. I have offered to surrender the vehicle in exchange for the remaining debt being wiped but they have declined and have refused further help. Any help you can provide is greatly appreciated. Please contact me at XXXX with any questions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94601
Submitted Via: Web
Date Sent: 2019-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A