SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP

2019-10-12

Pinellas Park, FL

Managing the loan or lease

Vehicle loan or lease: Loan

Loan sold or transferred to another company
Company Response: Closed with explanation

Timely Response

2019-07-07

Houston, TX

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Problem while selling or giving up the vehicle
Company Response: Closed with explanation

Timely Response

2019-06-05

AK

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Complaint: I was having a hardship paying my car payment and SNAAC didnt offer a payment plan or a lower payment for longer. They just said to get an XXXX XXXX XXXX loan which is not for withstanding debt. I called to try to give them my credit card and the Customer Service Agent said it wasnt accepting it because it was declined before but I had money at the time. I have two loans through them and I accidentally payed for the wrong car. The one that was wrecks with no insurance so I have been paying on it anyways since 2015.
Company Response: Closed with explanation

Timely Response

2019-05-28

Houston, TX

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Company Response: Closed with explanation

Timely Response

2019-05-21

Hazlehurst, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-05-10

Zanesville, OH

Took or threatened to take negative or legal action

Debt collection: Auto debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2019-03-06

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-03-04

Southern Pnes, NC

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Complaint: Me and my wife have been with this company since XXXX. We both looked at our credit report and noticed that our account with SNACC was closed due to no payment and payments. When me and my wife has clearly been making payments on time and every month. Other than when I was XXXX and I tried to tell them that and they still took the car. I paid well over XXXX to get the car back and now I see that on our credit report. We filled a despuit with the credit place and they came back to say the same thing. Now just this month we got an email that we didnt pay and it hit our credit again. They been doing this since XXXX. Now my car broke down and now we cant get into anything else due to our credit being low becuase of them reporting us late or not paying at all. We we have prove that we have paid every month and the month I was XXXX and took the car.
Company Response: Closed with explanation

Timely Response

2019-03-01

Southern Pnes, NC

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: In XXXX of XXXX, my husband and I were checking our score due to needing to find another vehicle. We noticed an account with Security National ( SNAAC ) was considered CLOSED and showing no payments for all of XXXX were made at all. This is inaccurate as we have proof of payment history and the account is very much still open. My husband was XXXX during a time the vehicle was repoed for non payment in XXXX, but we fully paid the amounts own for those months in XXXX of XXXX. I called SNAAC and they said that regardless if were in good standings with them, they cant go back and show its still active/open. I called XXXX in XXXX of XXXX and filed a dispute. They came back reporting that SNAAC will not fix the issue and that they said weve made one payment in XX/XX/XXXX and never fixed the year of XXXX. I spoke with a supervisor of SNAAC today, XXXX XXXX, and he said there was not much he could do and that they will not show the status as active/open. This is TRULY hurting my credit score and I dont feel they are treating us fairly. I feel as if we shouldnt have to pay for a loan if its not going to help our credit score and they need to pay for the detrimental damage they have caused to myself, my husband, and my family.
Company Response: Closed with explanation

Timely Response

2019-02-23

Val Verde, TX

Took or threatened to take negative or legal action

Debt collection: Auto debt

Seized or attempted to seize your property
Complaint: On XX/XX/XXXX I received a call from a debt collector at Security National Automotive Association Corporation to settle a debt. I came to a payment arrangement to pay a certain amount on the XX/XX/XXXX and to set up automatic payments using the same card for the XXXX and XXXX of ever month. I received email confirmation of such. No automatic payments were taken out since then and on XX/XX/XXXX they repossessed my car without notice. I have called and tried to express this error to them and I was referred to my account manager who either wasnt there or wouldnt pick up the phone. I was told that no one could help me with this issue besides my account manager who still has not called me back. I would like to settle this debt as Ive already missed a day of work. This is a stressful situation and Im very tired of waiting on them while my account accrues more and more fees by the day. I dont even know where my car is because I could not talk to anyone about this issue.
Company Response: Closed with explanation

Timely Response

2019-02-23

Val Verde, TX

Communication tactics

Debt collection: Auto debt

Frequent or repeated calls
Complaint: From XX/XX/XXXX until XX/XX/XXXX I received multiple calls a day from SNAAC in an attempt to collect a debt. Sometimes they would call three or four times a day. They even went so far as to call people that I used to associate with even though I have told them in the past only to call me. These calls are disrespectful and disruptive.
Company Response: Closed with explanation

Timely Response

2019-02-16

Spfld, OH

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem with personal statement of dispute
Complaint: the account was made in 2009 and is currently past the statue of limitations. The company has not removed the account.
Company Response: Closed with explanation

Timely Response

2019-01-30

Cartersville, SC

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: I feel as if I shouldnt have to pay the remaining balance thats due on the car. I was trying my best to catch up the car payments and I made a {$1000.00} payment and they still repossessed the vehicle after I spoke with a gentleman on the phone letting him know I was doing everything possible to bring my status to current. Yes I understand that you have to make the payments on anything youre leasing or loaning but I was out of work and then my daughter was going through a crisis and I had to take off time to get her mental status at a point I could return to work or school. I was at the school registering when I came out the car has already been gone and it made it almost impossible to get my daughters to school or myself for that matter. I could understand if I wasnt trying but I was. I even overdrawn my XXXX XXXX account XXXX $ just to keep the car. They gave me other options to try to get the car back but i wasnt approved for anything but I felt it wouldve been easier to just allow me to keep the car due to me receiving my taxes shortly after. I couldnt afford to pay the past balance, repossession fees, holding fee, and big down payment for insurance so I was unable to pick up the vehicle before it was optioned off.
Company Response: Closed with explanation

Timely Response

2018-12-14

Palos Park, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-12-13

Jacksonville, FL

Took or threatened to take negative or legal action

Debt collection: Auto debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2018-11-30

NC

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Complaint: Security National Auto Acceptance the loan was taken out in XX/XX/XXXX my vehicle was totaled XX/XX/XXXX the insurance company pay the vehicle off and Security National still has on my credit a charge-off amount of {$12000.00} I have asked them several times to remove this balance when the insurance company has paid the vehicle off I need this off my credit they are refusing to remove it the said vehicle is on my credit and it's keeping me from rebuilding my credit as I need to and I do not owe this this company any money
Company Response: Closed with explanation

Timely Response

2018-10-25

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Company Response: Closed with explanation

Timely Response

2018-09-17

Tampa, FL

Wrong amount charged or received

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: I held a small 401k account sponsored by the company. I was laid off in XX/XX/2016 and volunteered to transfer the account to an existing account. Their response was a {$200.00} fee on a {$400.00} balance Clearly I considered this to be extremely abusive and let the account stand. On XX/XX/XXXX the employer chose to terminate the account without my permission. I would have no issue but they took a XXXX % fee ( XXXX ) to simply process a check Not sure who made the profit. I assume this practice has been impacted by this practice. The company does have a history with the CFPB who found they were abusing consmers
Company Response: Closed with explanation

Timely Response

2018-08-30

Georgetown, IN

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem related to refinancing
Complaint: I provided this company with a copy of court order advising them that this debt does not belong to me as the owner of the vehicle XXXX XXXX was ordered to refinance the vehicle and take my name off of it. The owner of this loan/vehicle did not comply with the order and instead of refinancing the vehicle he just failed to make the payments and then wrecked the vehicle and then the insurance company paid the vehicle off. I have made several attempts with the company to advise them on the situation and to get them to correct it. As they are reporting this account negative on my report however the information they are reporting is not an indication of my payment history or habits. The court order was made for XXXX XXXX to refinance the vehicle and I provided the company with information indicating this as well as copy of him indicating this had been done. It was not until this company reported negatively on credit report that I was made aware of this not taking place. I did not receive any notification from the company advising me that the account was delinquent prior to their reporting negatively on my report. I have made several attempts and requests to have the information removed as well as sent in proof of my not being responsible at the time of delinquency in the form of a court order and this company still is reporting incorrect/negative information on my report. I have never received a bill or any notice of this account in any capacity.
Company Response: Closed with explanation

Timely Response

2018-08-28

Southern Pnes, NC

Communication tactics

Debt collection: Auto debt

You told them to stop contacting you, but they keep trying
Complaint: Starting on or around XX/XX/2013 I started receiving harassing and threating phone calls and texts on XXXX from XXXX XXXX who works for XXXX XXXX XXXX. Prior to I never had a missed payment but I had traded in my XXXX XXXX XXXX which had been paid off by XXXX XXXX XXXX XXXX. I receieved email confirmation that XXXX again had paid off the XXXX but someone XXXX XXXX after recovering payments on the vehicle still requested payments for the XXXX. Was told by XXXX XXXX XXXX XXXX backed out on the loan and wanted their check back. XXXX not only found me on social media but was stalking me on XXXX and everything else for 1 payment. All due to a trade in mishap. I eventually blocked XXXX.
Company Response: Closed with explanation

Timely Response

2018-08-08

WA

Problem with a credit reporting company's investigation into an existing problem

Vehicle loan or lease: Loan

Problem with personal statement of dispute
Complaint: Back in XX/XX/2009 I served United States XXXX XXXX. My duty station was XXXX XXXX. I was a new XXXX XXXX XXXX. A Ex- XXXX who profit off getting Servicemembers to come to XXXX XXXX XXXX XXXX for used vehicles, told me to sign XXXX contract and shortly after I would be able to refinance the 24 % interest loan for much lowere rate. Time went by i was loyal to my $ XXXX/mon payment. 2yrs later car enigne was blown. I was going through a divorce and couldn't make payments on time. Harrasments and threats went on for a year or so of being able to pay when i could. Even after they came on base and took the vehicle, i couldn't talk to anybody about and adjusted payment. So when i finally got my large sum of EAS money i was ready to give them a offer. But was turned down. Over the past year, I have been trying to slowly work on my credit report. And the inquiry reports, funds not receivable.
Company Response: Closed with explanation

Timely Response

2018-07-04

Indiahoma, OK

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: In XXXX I brought a car in XXXX ga. From SNAAC I fell behind in payments due financial hardship with my military pay. I tried several times to ask the company for help or set up reasonable payments I was paying XXXX for XXXX XXXXXXXX XXXX. They called and harrassed me threatening to pick up my car and lying to my command that I wasnt cooperating with them and got me in trouble. I got out of the XXXX XXXX XXXX and I have them a call again to ask can the payments be lower because I was discharged from the XXXX and I was bed rest for the remainder of my XXXX. They decline and harassed me and call my family members tell them to pay my car note or they will take. They repossessed my car and then double the price to get it back. I had to borrow money from family to get the car back because I had no transportation with XXXX babies. They damage the vehicle stole radio out and damage the frame of the car towing it. All my items for missing from my car as well.They only paid for the radio and threatening me if if I called them back to fix my car they will come back and take it. They made me sign a ridiculous contract to get my car back and I did I was unemployed and XXXX XXXX XXXX with no car and no family. XX/XX/XXXX my XXXX XXXX I had my daughter 6 months early and I was hospitalized for a month and my daughter was in the XXXX for 3 months I missed my payment due to my XXXX XXXX. They stop answering my phone calls for me and sold my car at the auction and then call me back a year later pay the balance. Please help me this has ruin my credit and this is still on my credit report.
Company Response: Closed with explanation

Timely Response

2018-06-22

Lewisville, TX

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Complaint: My vehicle loan was paid off on XX/XX/XXXXand the company has been reported inaccurate information to the credit bureaus. On XX/XX/XXXX I reached out to the company about the account still reporting open. This is not my first complaint about this matter before they was not reporting at all when I called in XX/XX/XXXX. When I contacted the company they say that they report every 30 days. The car was paid off before they report. I also made a complaint with the bbb and they said it takes about 30-45 days to report but also as I mentioned they have not been reporting.
Company Response: Closed with explanation

Timely Response

2018-06-15

Leeton, UT

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-06-14

Quartzsite, AZ

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Complaint: I have attempted to make payment arrangements with Security National Acceptance Corp. However, they refused to allow this to occur. They were very condescending. Also, I attempted to trade in this vehicle as it does not fit my family 's needs due to my child 's XXXX, however I am unable to because as I've made 18 months of car payments and yet my loan continues to get larger rather than smaller. I don't feel like I'm making any headway into paying this loan off. The other finance companies will not finance me due to this loan being so large and the amount owed not getting smaller.
Company Response: Closed with explanation

Timely Response