Carmax and third party financing not talking

My wife and I are driving our family truckster we bought from Carmax 45 days ago.  We arranged financing through USAA and everything the day of the sale went smoothly.

We haven't received a bill for the first payment and looking at USAA's site, the loan forms we submitted at Carmax haven't been processed.

Of course we're going to pay for the van.  My opinion is to wait and see how these two mammoth corporations handle our paperwork and "I'll mail a check when you send a bill".  My wife wants me to poke both parties and make sure they know we're sorry, "please tell us our penalties so we may self-flagellate sufficiently."  She says weird things like that.  In my head.

Would you let sleeping corporations lie?  Are they both probably sending collections agents to my kids' bedroom windows?  If you've been in the car business, what's probably happening here?  I mainly buy private party and cash auction cars.

WWGRMD?

I would poke them - I had (well, still have some) issues with the loan processing for my newly acquired used Porsche with a large credit union and nothing seems to move there until I call and complain, and even then things seem to move in a somewhat half-arsed way.

I have bought a car at CarMax with usaa with no issues. I'd call usaa though because service has been getting worse in recent years. 

Most credit monitoring services will alert you if your loan has gone negative.  At that point you can raise hell.

Honestly, seems kinda silly to possibly wreck your credit just to see when the two companies will play nice.

There is no way you are going to win in the "wait and see" scenario.  There will be late charges, even if it is entirely their fault.

Poke someone.  

Poke the lender. Same thing happened with my wife at some point and it was because the dealership had misspelled her name on a document and took a month to correct it. Calling the lender was CYA for us in case they were mad. I think we still ended up needing to cover the month that was "missed".

I had a car at USAA and traded and bought at Carmax.  They didn't talk well.  The loan payoff did not happen on time.  USAA took another payment.  Payoff arrived.  I'm negative a full payment less some interest.  No one is talking and no one is sending me a check either.  
 

Good luck.

I left usaa after 35 years

As an update, I poked both USAA and Carmax.  USAA never heard from Carmax, assumed we didn't buy a car and canceled our loan.  In their eyes we will have to start again.

Carmax "did everything we needed to do" and never heard from USAA after submitting their paperwork.  The local store is "looking for the paperwork" to prove they did their part.  Before starting another loan with USAA, I'd like Carmax to show me and the lender they did what they said.  Hopefully this gets my original loan back rolling.

What is the state of the industry (industries) that a retail car store and an insurance giant with a huge car loan division can't do this simple transaction?  

Since roughly 2015, Carmax has been hiring the lowest common denominator across pretty much every department. There was a company wide talent exodus around that time, so your experience has been more and more common

USAA is definitely not the customer-service stalwart they once were, either.   They're still far from the worst, but they're no longer fantastic.

After 30 days, I'm finally made whole in my USAA / Carmax transaction.  Carmax is gonna be so sad when I pay their car to zero in 90 days.