Consumer complaint received 2024-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I, XXXX XXXX XXXX, a United States XXXX XXXX, Service-Connected Veteran XXXX 30 % and receiving compensation with no dependents ), Legally divorced 62 years XXXX American Man and gainfully employed with XXXX XXXX with a XXXX XXXX and required a vehicle to get to work and for other PII/HIPAA life activities ) have been with USAA XXXX XXXX Banks ( XXXX XXXX XXXX XXXX XXXX XXXX, Taxes - XXXX XXXX have been with the Bank since my activity duty ( XXXX to XXXX ) and XXXX Reserves ( XXXX to XXXX ) and XXXX day. 

I have a bank account. with this bank, debit card, credit card ( up to {$2000.00} and faithfully paying the charges down and have not missed a payment date ) and recently has a car loan in XXXX ( and approved for up to {$10000.00} and with XXXX interest for 60 months to replace my own and paid used car - see attached but at that time I did not see nothing I like therefore the loan expired ) Recently my car was do for a Maryland XXXX Emission testing ( see documents ) and the day of the emission my engine light was on ( and I failed the test and was told to come back within a week ) Feeling upset and little confused, I decided it was time to get another car, so I contact my USAA bank and requested for a loan again, and I just did not get denied with no real debts on my credit history except there credit card ( ending number XXXX ), the totally denied me with extreme prejudice and even bulletized it and hard check me and took my credit down by several point. I was so upset, getting my life back together, getting back to work, paying my big, keeping skills and trade and technology up ( the reason for the credit to invest into technology for better jobs and opportunities ( yes, that can show you want I purchased with my new credit card from them and how I am paying that card down ) ; I have to take leave on XX/XX/XXXX to figure out how was going to get my car fixed so I won't lose my job ( with no transpiration ) I contacted my repair shop ( see attached ) to scheduled maintenance. But the strange this, my engine went off the day after the failed Maryland Vehicle Emission and the service technician state, " YES, I ENGINE LIGHT FAIL THAT TEST '' and they wait a few days and go back again ( I did on the Saturday, and my car passed the emission test ) The only reason I was to get a loan was to because I felt I would be put in an unnecessary hardship with my job ( getting to work ) and MDOT ( and my excellent driver license and indicated on my car insurance as well since I am a good driver and not reckless ( do not drink alcohol, do not do illegally drugs, and nor to do nicotine ) Eventually, I will be getting another car and it will be finance and trade it, I just felt I was denied extremly to hard by a bank whom I my ethical money goes into, a bank I used to pay all my bills, and bank I used to pay my taxes, and bank less than I year approved me for a car loan and approved me for a credit card ( both XXXX credit rating at the time ) and only when down because I used USAA XXXX to XXXX XXXX and XXXX material to improve my jobs opportunities and maintain my trade, and have been pay down the single {$2000.00} card debt which is now down to $ 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