Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA

Complaint narrative:
Please see original complaint # XXXX. I attempted to get auto and home insurance in XX/XX/XXXX. I was given an inaccurate home quote for the entire cost of the building when I live in a condo and was seeking internal home insurance for the interior only. When I pointed this out to the company, they claimed that I owed them the inaccurate quote. 

I made a complaint about this to CFPB and heard back from the company at USAA. They said they would give me a correct quote in order to charge me for the time I was insured so that I may pay the bill, and in order to give me a quote for potential insurance going forward. I received a second phone call for a second quote on or around XX/XX/XXXX. Over the phone, the woman quoting me gave me an estimate of {$750.00} for the 6 month term between XX/XX/XXXX XXXX XXXX, XXXX. She said this was the bare minimum amount I could pay. She told me this would be due verbally on XX/XX/XXXX. 

During that phone call, it was crystal clear when I spoke to her that I emphasized I have a condo, I do not have a townhouse and that I am only trying to insure the interior and not the exterior for this reason. This was the complaint the company made against me the first time, claiming they did not understand I have a condo. This lady knew that I am getting the second quote for them to correct quoting or assessing for the entire building rather than the interior. 

In the last XXXX days sometime on or around XX/XX/XXXX I received paperwork in the mail for what she quoted me under a Homeowners Policy Packet which I have recently had the chance to look at. Unfortunately, USAA has given me the wrong quote again and assessed this again at a rate for dwelling protection which is listed as {$130000.00} which is reflective of attempting again to quote me for the entire outside of the building. For interior protection I should not be quoted more than $ XXXX {$5000.00}. Even {$25000.00} would be an expensive quote and protection. It is obvious they are still billing me for the entire outer building. When I received the statement for this it was not dated XX/XX/XXXX, but they sent it dated for XX/XX/XXXX and the amount they want of {$750.00} is based on the second inaccurate quote for dwelling protection of {$130000.00} when it was very clear to them again that I have a condo and am attempting only to insure the interior. 

As well, they did not address during that second call/quote looking at the accuracy of my car insurance which has been set at {$200.00} and in my lifetime I have never paid more than $ XXXX {$150.00} for car insurance monthly. They neglected to revisit that as well. I am not being assessed fair amounts for insurance. At the time of the quote, I declined to receive any home insurance from them going forward as the amount sounded way too high to me, but of course I was not able to see what the woman quoting was doing on her computer at the time or what she was basing the number off of. They continue to insist I pay them for a period of 6 months from XXXX XXXX XXXX for a quote that was never accurate and a period where I never made any claims, and may as well have not been technically insured by them as no quote thus far has been accurate.

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