Consumer complaint received 2016-03-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am an XXXX XXXX Soldier Stationed in XXXX Tx. I bought a home for my family using my VA loan. The house that I decided to purchase had been a XXXX forelcosure home and by bid was accepted by the seller with the conditions that stated I would agree to buy the house for XXXX and the seller would pay 3 % of closing cost. This was stated in my ratified contract signed by all parties involved. I then found my lender, and USAA federal Savings bank was the most competiive bid for my loan. i applied for a loan and was approved for XXXX. I went through all the hoops and loops of giving them the necessary documetns and it took them roughly 50 days to get to closing. Then after delays they finaly said XXXX XXXX I would close and sent me the disclosure documents in advance of my closing.They also drew up the lending disclosure documents as they are responsible for this action under new trid guidleines. They then forwarded this to my title company Texas XXXX XXXX in the XXXX tx. When I arrived at closing on the XXXX of XXXX 2015, I was informed that the lender had given me a credit for {$5000.00} towards taxes that would be applied towards closing cost of my home. The seller contributions of {$5400.00} were taken off ebcause that would give me too much money back at closing. I did recieve XXXX of my earnest money back based on the closing. 4 months later I recieved notice that my taxes were delinquent by 3 months and that I had not paid my taxes for neither the mud, school distric nor XXXX XXXX. I called my lender and they asked me to submit the tax bills. Unbenounced to me the tax liability for a home I had purchased on the XXXX of XXXX of 2015 has been left for me to pay. So I called my lender back after submitting my tax documents the following monday to inquire what became of the delinquent taxes and they told me that the taxes were all paid by USAAA however, I now am in debt to my escrow because they completely wiped clean my escrow and have placed my escrow in a negative escrow balance of XXXX. Which means now USAA federal savings bank will be increasing my monthly payments by {$400.00} every month to make up for the money they have spent. Here is my problem with this transaction - I did not own the home in XXXX XXXX 2015 to XXXX XXXX 2015. Hence I should not be held liable to pay those taxes. The bank claims they gave this money to me at closing as a credit, however due to this very big error they did not allow for seller contributions of {$5400.00} which was agreed upon by the lender to be paid applied to towards seller contribuitions in my closing. This means that I am solely liable for taxes on this for a time that I did not own the home and the seller has been allowed to walk away by not fullfilling their end of the bargain. USAA claims that this is the way business is and that I will not be allowed to recieve seller contributions and that the title company is responsiible. When I spoke with Texas XXXX XXXX Company they told me that they have no liability since USAA was responsible for drawing up the disclosure and closing documents. I am but a XXXX XXXX in the United States XXXX and I can not afford to pay this outrageous amount of taxes since they will be increasing my taxes by {$400.00} can someone please tell me how to resolve this nightmare because I am being unjuslty taxed for something that has been clearly missed by all the professionals.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief