Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
SUBJECT : Request for Action Regarding USAA Loan Rescission, Credit Reporting and Voluntary Repossession Processes On XX/XX/XXXX USAA financed two vehicles I purchased from a Texas dealer that engaged in multiple serious violations, including fraudulent misrepresentation, deceptive trade practices, unauthorized charges, Truth In Lending Act violations and criminal negligence. These violations have directly harmed me financially, led to ongoing vehicle issues, and currently forcing me into an involuntary financial decision that will damage my credit unless action is taken. As of XX/XX/XXXX I have unsuccessfully attempted to receive assistance from USAA despite multiple conversations and providing extensive documentation of the incident. 

Dealer Information Dealer Names : XXXX XXXX and XXXX XXXX XXXX Names : XXXX XXXX XXXX XXXX XXXX ( also operating as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ) Dealer License # : XXXX Date of Purchase : XX/XX/XXXX Salespersons Involved : o XXXX XXXX An undocumented employee not legally authorized to work in the U.S., with no valid driver 's license. 
o XXXX XXXX Listed as the salesperson in records but acted in a finance role and did not complete the sale. 

Vehicles Purchased XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Key Issues and Violations 1. Fraudulent Misrepresentation of Vehicle Condition Both vehicles experienced severe mechanical issues ( suspension faults, tire pressure system errors, illuminated check engine lights ) within days of purchase. 
Diagnostic trouble codes appear to have been reset to intentionally conceal existing mechanical problems. Despite spending over {$19000.00} in repairs, the vehicles continue to have major issues. 
2. Deceptive and Predatory Sales Practices I was promised pre-sale repairs that were never completed. These verbal commitments were a key factor in my decision to buy but were never documented. 
The dealer misrepresented pricing, claiming the vehicles were sold at cost. However, documents found in the vehicles showed I was charged approximately {$13000.00} above auction value. 
3. Unauthorized Charges and Fraudulent Warranty ( TILA Violations ) A {$2500.00} 3-month warranty was added to both auto loans without my knowledge or consent. I was not presented with or given a copy of the warranty agreement until days later. Warranty documents are not signed by me but I was forced to utilize them due to the poor condition of the cars. 
Critical loan and warranty documents were withheld or misrepresented at the time of signing. 
This unauthorized contract was financed by USAA, and I believe it forms grounds for the rescission of the loan agreement based on misrepresentation and fraud. 
5. Falsified Sales Records Sales documents list XXXX XXXX as the acting salesperson, though he was not the individual who sold me the vehicles a clear falsification of legal documents. 

Financial Impact Vehicle Financing ( via USAA ) : {$68000.00} Post-Sale Repairs : {$19000.00} Loan Payments Made ( to USAA ) : {$4200.00} Total Financial Loss to Date : {$91000.00} The financial damage caused by this dealership 's fraud has become unsustainable. Despite thousands spent on repairs, the vehicles remain unreliable. I am now forced to proceed with a voluntary repossession. However, USAA 's repossession process will result in late payments and charge-offs being reported on my credit report, even though these consequences stem directly from fraudulent and criminal behavior by the dealership. 

Resolution Requested I respectfully ask that the CFPB hold USAA accountable by : o Recognizing the fraudulent nature of the loan terms o Rescinding or canceling the auto loan ( s ) under fraud protections o Agreeing not to report late payments, charge-offs, or repossession to credit reporting agencies due to the clear, documented extenuating circumstances o Refund for unauthorized warranty charges

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation