USAA Savings Debt Collection Complaint

USAA Savings Debt collection department,

Cont'd attempts collect debt not owed Debt was paid Washington

I ca n't believe the horrible service I am receiving with USAA. I got an auto loan -/-/- and it was paid off -/-/- ( to make room on our debt ratio for a new home ). Up until that point, the loan was reported as paid as agreed with no lates. Suddenly when I paid off the loan, the loan was reported as having a 30 day late payment. To me, it is suspicious as to why that payment was never reported late before, but when I decide to pay off the loan, now it 's late? So I investigate further. After investigation, there was a payment in - that was made to them, but never applied to the loan. The bank says they never received the payment. So, I find out that - - issued a cashier 's check to them on -/-/-, but the check was never cashed. After


- late payment caused my credit scores to drop - points on - bureau - - points on another and I 'm still waiting on the last bureau to get this negative information. On my credit report, I have no late payments and my other loans with USAA are always made on time. This - missing payment is truly an anomoly. Instead of fixing their mistake, they continue to give me the run around. They tell me that they are researching it, but most likely it is n't a banking error. They tell me that even though they signed for it, it still is not their mistake. When I asked why, when I called to inquire about the late notices I was getting, they kept telling me that there was a small balance left over from the previous month, even though payment was made for more than the payment due amount. I was told to disregard the notices. My question is if I have proof a payment was mailed to them, and signed/delivered to them by -, how is this anything but a banking error?