USAA Savings Consumer Loan Complaint

USAA Savings Consumer Loan department,

Vehicle loan Managing the loan or lease Florida

I have been a member of USAA for over 15 years. I took a personal loan out with them against my - - - ( that was paid for ) to re-establish my credit. I have always made my payments on time. My banking & insurance has always been with USAA. I have had regular Child Support & Expense money transferred from my daughters father for the last 5 years in lieu of a Court Ordered Child Support Agreement. He has transferred money from his - - account to my USAA checking account. We have never had an issue with these transfers in the last 5 years we have been doing this. No " bounces '' or unavailable funds. In - -, USAA, without notice or reason - USAA started putting holds on my deposits from - -. I had actually saved enough to pay my truck loan *ahead*. He transferred $400.00 and only $100.00 became available -for almost 3 weeks the balance was held.


All the while ... I 'm trying to pay my truck loan, but USAA is putting holds on all of my transfers and when I 'm asking " why '' they say " it 's the Banks Discretion ''. I was never notified of any issues with my accounts ... checking, truck loan, etc ... Sunday, - -, -, the day before I start my new job, I walk out to my driveway to see my - is gone. I reported it stolen to the Sheriffs Office and they told me it had been repossessed. I received no " notice of note due '', no phone calls, no emails ; nothing from USAA alerting me there was an issue. Back to - when my funds were held ( for no reason ) on my checking, I made the - and - payment together and late fees and charges were to be added to my - payment ... which again, funds transfers were held and only $100.00 available, but I would not be 30 days late until - -. I paid the nearly $1000.00 in repo fees and USAA fees to get my truck back the following day. However, to this day, USAA refuses to " acknowledge '' my complaint and that they made an error. I immediately requested copies of my last 6 months checking statements and my payment history on my truck loan since the opening. I promptly received my bank account statements, but waited over 30 days to receive anything on my truck loan. When I finally received something it was a generic " statement '' saying no payment due for - -. When I call USAA, they tell me that I have no payment due until - -. Other times they tell me " the account is under review ''. But nobody at USAA - even supervisors & their supervisors will give me any information or sort this out or give me an explanation. I checked my credit score on - - ... USAA has multiple listings of late payments and a " reposition in repayment '' effective -/-/-. My credit score has gone from mid - to - as of - -. I continue to make a monthly payment to USAA every month -though I have no idea how it is being applied. I 'm just tossing money out there to them & they have destroyed my credit and I ca n't even put into words how upsetting that is.