Consumer complaint received 2025-03-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
Good day. This is the second time I have complained about USAA along with XXXX and XXXX XXXX XXXX. Back in XX/XX/year> I took out a lien on my car. It was in my wifes name so she had to sign it over to me. Once that was complete. XXXX XXXX  send the information in so they can get the title on their name. In XXXX allowed my daughter to drive the vehicle. It was in a car accident. I told USAA and I also told them I had a lien on the vehicle. It took over a month to realize what happened.they were trying to locate the correct VIN. XXXX XXXX  wrote the wrong VIN on the loan contract and the new title. Thats why USAA couldnt find that it had a lien on it because it was still in my wife name. All they had to do was send my wife the check and let me pay XXXX main. I even asked them to put my name and XXXX main name on the check. Needless to say all XXXX parties were difficult with me and shows some type of discrimination. So I complained to the XXXX last year in XXXX. I complained to CFPB around the same time. I have supporting documents showing what happened. I dont know if that made them upset. But no one contacted me. They did even more. I asked for my car back until they get this situated. XXXX told me I have to get approval from USAA. USAA told me that they have to wait for the funds to be released from XXXX. And they never brought by car. They said they have to wait and get the perfected title. But what I was trying to tell them. You cant get a perfected title. You have to start the entire process over. My wife still have to sign it over to me. But instead of they got it changed XX/XX/XXXX because I called the XXXX XXXX of XXXX. But USAA told me they cant issue out payment until the VIN paperwork gets fixed. But because of me complaining. They went ahead and paid XXXX XXXX before they changed the VIN. They illegally paid a loan installments that was different from what they had. And then they paid me the remainder of the money in XXXX and generated false documents trying to show they paid them in XXXX when they paid me. Not only that. They put that I was late on my credit report for that loan and they received payment in XXXX from XXXX only way I found out. The system from XXXX XXXX showed it was paid but they hid it so I wouldnt see it until the end and they stamped XX/XX/XXXX paid. USAA went ahead and paid the loan off before they got the title and paperwork was still inaccurate. I contacted all XXXX numerous times. And when we got paid the left over for the car being totaled. They knew they paid XXXXXXXX XXXX in XXXX they knew that got the title ( illegally in XXXX ). And late XXXX My wife called USAA XXXX And they just so happen to say your stuff is approved for funds. And they send out they a they paid us and XXXXXXXX XXXX at the same time. Attached are supporting documents. Everything I sent yall I sent to each of them. And no one responded. But I just got a call from copart asking me to give them the account number so they can verify that XXXX main got paid. And I told that man stop trying to cover yall tracks. XXXX paid them off in XXXX And they didnt call me. They called my wife. Letting you know that the car was still in her name but I took the loan out and they messed up the paper work XXXX dont know if the supporting documents are in order. Any questions. I can be reached at XXXX XXXX XXXX

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