Consumer complaint received 2018-04-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Yes, I have noticed several issues with my Credit report and score with USAA Federal Savings Bank. I have had to file too many complaints against USAA with you the CFPB, and nothing changes, issues only seems to get worse! I just called USAA about hard Credit Reports run in XX/XX/XXXX- apparently 4, for auto loan, due to being sold a lemon XXXX by XXXX XXXX XXXX XXXX XXXX AL . ( Now have third lemon car sold XXXX XXXX XXXX of XXXX AL as well ... utilized same techniques as XXXX XXXX and XXXX XXXX odd! ) I talked with a XXXX at USAA Debit Card Services, ( at XX/XX/XXXX appx XXXX CST ) and she was of no help, and did not know if USAA was in fact investigating me, when told her have seen two USAA vehicles in local area among other things we discussed such as USAA not being open as used to be 24/7- to accommodate service members abroad! Also asked speak USAA Executive Resolution and XXXX told me not available. Odd,  considering have spoken with them in past this early in morning! I then called and spoke with a XXXX ( (XX/XX/XXXX appx XXXX XXXX CST ) and asked XXXX about my Credit Score, if could increase Credit Limit as USAA has offered several times recent past, and if USAA Investigating me- as mortgage folks USAA always ask if I am residing at residence I have mortgage USAA with, but loan be serviced one worst companies XXXX ( filed numerous complaint 's with CFPB aboutl XXXX XXXX- furthermore told XXXX could go on " vacation '' as long as wanted, last I looked! )! XXXX was of no help as well, stated had run Credit Check to increase my Credit Card limit, because did not take when offered. Asked XXXX to simply offer me again to increase limit- to avoid Credit Check- XXXX said could not ( never been told USAA Federal Savings had run hard credit check to increase my Credir Card limit eber before speaking with XXXX- odd ? )! Also, XXXX stated not aware I was under Investigation USAA. ( Was trying increase limit Credit Card per factors " hurting '' my Credit Score! ) All of this is very odd, as per USAA Credit/Theft Protection home, loans, car loans etc ... are supposed be lumped together as one hard credit check- and I only supposedly have 6- hard Credit Checks last year to 2-years! Furthermore, I have only utilized 1 % of my Credit, and my Credit Card only recently went a few hundred dollars over the 30 % limit of XXXX-dollars! So why is my Credit Score dropping at such a rate and am I in fact the Target of some USAA Federal Savings Bank Investigation? If so why and is any potential investigation into/ against me by USAA in conjunction with local, State and Federal Law Enforcement Agencies , signed off by proper authorities i.e. Judges? Finally, for some odd reason USAA Home Monitoring Services increased value my Home to $ XXXX-dollars ( highest ever valued by USAA ) since my last CFPB Complaint against USAA and " XXXX XXXX '' Case and recommended by 4-local attorney 's force into foreclosure with USAA! 

Thank you any response in advance ... ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation