USAA Savings Consumer Loan Complaint

USAA Savings Consumer loan department,

Vehicle loan Managing the loan or lease Virginia

In -/-/- I became - payment delinquent on my auto loan with USAA. Upon returning to work in - I called and made arrangements to pay - payment and portion of the past due amount until I was current. In -/-/- $120.00 was applied to late charges despite my intent and misleading statement from the representative who assured me it was their process to apply payments in this manner anyway. When I realized what had happened I spoke with another representative on -/-/- who told me this would be corrected my requesting a misapplied payment reversal. Once again the payment I made on -/-/- a portion - $26.00 was applied to a late charge and the reversal that was promised did not happen. After a conversation on -/-/- in speaking with a very rude representative and her manager, they basically stated the policy is they always apply to late charge prior to allowing the consumer to pay to past and future payments. I stated this was unfair and deceptive, they stated I had no recourse ; but to accept this. In going through my pay history in order to allow these fees to accumulate there has to be a variation of this policy ; but they would not consider it. At the end of the day applying in the manner that they claim is policy '' allows the bank to continue to incur fees on top of fees because it would take the consumer a lengthier time to become current.