Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
USAA is a great company to do business with but due to their affiliation with the military would engage in tactics that I felt were unbefitting of a corporation operating on US domestic soil. In one case where my water pump on my XXXX XXXX  went out I had to contact USAA who provided emergency roadside assistance for the car I financed thru them. What occurred was a subtle game of cat and mouse where USAA dispatched out a tow truck operator who was under the influence of XXXX  to my car. He was so high he started to tweek my car thinking he could repair it and actually caused damage to a hose on my car. I was so naive to this that I allowed him to tow my car only to then get held XXXX by him and taken to his next job. What I didn't know was his boss was a young man who was the first generation born here in the United States while his parents were from XXXX. The young man was learning how to manage an employee that had a drug problem like me but unlike me didn't have a sense of danger or fear about hurting others and was happy to go all out and try and take a risk. I had to call another tow truck out and swap trucks in order to get the heck out of dodge. It is one of those examples of what it takes to serve and be a member with USAA. 

In regards to my XXXX that I surrendered to them they sent some XXXX out to my house at XXXX XXXX  to collect the car in the dead of the night. Not only did they not know how to tow the car ( they didn't bring a flatbed truck ) they more than likely caused damage to the car. Since the car was to be sold at auction this was a great way to get away with causing damages to a car that was actually in really good condition., Selling this at auction meant they could off-load the car fast and then place me on the line for the remainder part of the debt which was never posted to my XXXX. 

I had no opportunity to dispute this debt, the amount owed, or find out my rights for the debt. I had just contracted XXXX and was dealing with a XXXX XXXX condition as well as trying to manage a XXXX XXXX XXXX to no avail. This caused me to leave my job and the stability that came with it causing me not to be able to find gainful employment after leaving XXXX as the only work I could find was that of part time work. It appeared that all my web traffic and search hits for jobs was that of part time work in order to keep me in the lifestyle that they felt I deserved to be in as I had applied to SSI as a result of leaving my job, needing to get medical insurance in order to cover my meds, and trying to figure out how to deal with public versus private insurance. My ignorance in navigating the system was compounded by the lack of social workers in the XXXX community as they did not have people available to assist with this transition and I had to privately fund this with my XXXX and as a result lost my entire life savings.

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