Debt collection -- False statements or representation -- Complaint #4802806
Complaint Overview
Complaint ID: 4802806
Company: United Services Automobile Association
Product: Debt collection
Sub-Product: Auto debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: South Carolina
ZIP Code: 29745
Date Received: 2021-10-12T12:00:00-05:00
Date Sent to Company: 2021-10-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
We voluntarily surrendered our automobile to our bank, USAA. They picked the vehicle up and stated it would sell the vehicle at auction and we would be responsible for the deficiency. At the time we owed approximately {$14000.00} on our XXXX XXXX XXXX. On XXXX XXXX I was contacted by XXXX XXXX from XXXX XXXX XXXX on behalf of USAA . He stated I owed {$16000.00} for the deficiency on the XXXX. I asked what the vehicle sold at auction for because this amount is significantly more than I owed on the vehicle at time of surrender. XXXX said he does not show the vehicle was sold, I just owe the balance! I asked for clarification and confirmation that the vehicle was taken to an auto auction to be sold as I was told would happen. He said he could not provide any information, other than that I owed money over the phone. He said I would need to submit a request in writting for information on the vehicle and sale. I submitted a written request via email as i was instructed to XXXX, I requested an amortization schedule from loan origination to charge off.The original terms of the contract per the TILA, Payoff and Balance at time of the sale, amount the vehicle was sold at auction for, the name of the auto auction that the vehicle was taken to, the name of the repossession company and a case be opened for my complaint also that they provide me with a case number and Point of Contact to get this resolved.. All train did not respond to me so submitted a follow up email on XX/XX/XXXX. I still was not responded to and submitted a 2nd follow up ( 3rd attempt to contact ) on XX/XX/XXXX. I have not received any notification that they have resolved, corrected or investigated this. However the charge off and balance still shows on my credit report. It is my belief that either the repossession company or an employee at XXXX/USAA took possession of the {$100000.00} car and charge the balance off against me. I need help to get his resolved. I am a XXXX XXXX XXXX Veteran and XXXX struggling to keep my business open post COVID and this is impacting my ability to get credit and assistance. Please help.
Frequently Asked Questions
What is Complaint #4802806 about?
Complaint #4802806 was filed against United Services Automobile Association regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2021-10-12T12:00:00-05:00.
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.