SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP

2018-05-30

Las Vegas, NV

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with explanation

Timely Response

2018-05-24

Credit monitoring or identity theft protection services

Vehicle loan or lease: Loan

Billing dispute for services
Complaint: Security National was included in my bankruptcy in XX/XX/XXXX yet it is showing up on my credit report for charge off in XX/XX/XXXX and XX/XX/XXXX. I am trying to purchase a home and need to get this fixed.
Company Response: Closed with explanation

Timely Response

2018-05-04

Savannah, GA

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
Complaint: This inquiries was unauthorized. I have contacted all three credit bureaus as well as each one of the listed companies on several occasions. The credit bureaus have advised me there is nothing they can do about falsely obtained credit inquiries without letters from the companies that pulled my credit. I have reached back out to the reporting companies and advised that the pulls were obtained without my consent, and the companies have all refused to remove anything about them, I consistently am advised to wait 2 years for them to fall off, however these pulls were never authorized nor are they valid.. I am at my witts end and believe that I should not be held accountable for something on my credit report that is not only INACCURATE but illegally obtained. These inquiries all happened between XX/XX/XXXX-XX/XX/XXXX. Thank you.
Company Response: Closed with explanation

Timely Response

2018-04-29

Threatened to contact someone or share information improperly

Debt collection: Auto debt

Contacted your employer
Complaint: In XX/XX/2012, I was preparing to XXXX to XXXX so I went into the XXXX XXXX website to fix allotments to make sure that my finances would be taken care of while I was XXXX. I accidentally deleted the allotted for SNAAC. I had no idea until XXXX XXXX who happened to a Representative for them at the time made attempts to contact me in XXXX by email, but since I was often out on missions she was unsuccessful. She contacted me via XXXX XXXX which in hindsight seems to me like an peculiar way to contact someone for debt collection. She threatened to contact my XXXX XXXX at the time, which she either did or someone from the Rear Detachment at XXXX XXXX gave her XXXX XXXX 's email or relayed the message because I got a stern talking to from XXXX XXXX about paying my bills on time and threats of XXXX if I didn't take care of the problem. I took care of the issue as soon as I was able to get to a computer and then applied for refinancing with XXXX XXXX XXXX XXXX upon my return to the United States.
Company Response: Closed with explanation

Timely Response

2018-04-18

Dexter, KY

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Complaint: On XX/XX/XXXX I purchased a used car from XXXX XXXX XXXX dealership in XXXX, TN. The car was financed through Security National Automotive Acceptance Company ( SNAAC ). The GAP policy was purchased from XXXX, which is owned by SNAAC, and the {$800.00} for the GAP policy was included in the financing. The car was insured through XXXX. On XX/XX/XXXX, the very next day, I was in an accident and the car was determined to be totaled by my insurance carrier, XXXX. OnXX/XX/XXXX XXXX sent a check for {$16000.00} to SNAAC ( attachmemt 1 ). This is also verified on my account with XXXX ( attachment 2 ). On XX/XX/XXXX I made a payment to XXXX of {$210.00}, which was the scheduled bimonthly payment ( attachment 4 shows the payment credited on my SNAAC loan account ). I don't feel I should have needed to make this payment as my car was totaled. On XX/XX/XXXX XXXX XXXX, who was paid a commission on the GAP policy, issued a refund of {$540.00} to SNAAC. On XX/XX/XXXX XXXX XXXX verified that the {$540.00} refund check cleared their bank. OnXX/XX/XXXX XXXX sent a letter summarizing the entire transaction which confirms that SNAAC was paid {$16000.00} by XXXX, that I was due a refund of {$800.00} for the GAP insurance charged when I bought the car, and that the total GAP settlement is {$310.00} ( attachment 3 ). On XX/XX/XXXX I called SNAAC, along with my military financial advisor, and SNAAC stated that they never received the {$540.00} refund from XXXX XXXX. They said that I owe {$790.00} which is the account balance that is shown on my SNAAC account as of today. The account also states that the " Total Due '' is {$670.00}. SNAAC told me that interest is accruing DAILY. On XX/XX/XXXX I printed a copy of the balance on my SNAAC loan ( attachment 5 ) which shows : Account balance {$790.00}. Total due {$670.00}.
Company Response: Closed with explanation

Timely Response

2018-04-13

Algona, WA

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2018-04-03

GA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Complaint: I purchase a XXXX XXXX XXXXXXXX XXXX from XXXX XXXX in XXXX Georgia. On XX/XX/2005. It was then financed by Security National Automotive Acceptance Corporation. At an interest rate of 13.90 and finance charges of XXXX which bring the total sale amount to {$24000.00}. At the time I did not understand credit or interest rate at the time I was a XXXX-year-old just enlisted into the military and was in need of vehicle to travel back and forth to work. When I was XXXX XXXX out of the military contact Security National Automotive Acceptance Corporation to inform them that I was no longer in the military and to stop the automatic draft that I had set up for years they refused to stop the automatic draft and my account was overdraft 4 times without my consent at the time I told them all so they could come pick up the vehicle and then that's when they told me they did not want the vehicle back and that it was no good I told him about all the maintenance that I had to do and all of the recalls on this vehicle. I tried also returning the vehicle back to XXXX XXXX 3 days after purchase they refuse to take it back due to the fact it was an as-is sale with no warranty
Company Response: Closed with explanation

Timely Response

2018-03-30

Briaroaks, 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

2018-03-27

RI

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: in XX/XX/XXXX i received two notices from Security National Automotive Acceptance Company ( SNAAC ) in regards to consent order XX/XX/XXXX-CFPB-XXXX ( enclosed ). one of them was a notice of a credit in the amount of {$1500.00}, datedXX/XX/XXXX. the other was a notice of refund in the amount of {$350.00}, as well as a check for that amount ( enclosed ). I received notification via email ( enclosed ) stating that the account was paid in full as ofXX/XX/XXXX. upon speaking with a SNAAC representative on XX/XX/XXXX i was told there is no record of my balance being paid off. ( phone record enclosed ) i requested the contact information of the rep to forward the email, and never received. i then again spoke to the rep on XX/XX/XXXX and was told that now they have the settlement information on file, and that they had taken the credit of {$1500.00} and applied it to the balance to close out the settlement. ( phone record enclosed ) However, the consent orderXX/XX/XXXX-CFPB-XXXX was filed onXX/XX/XXXX, 5 days after i was notified my account was paid in full.This withholding is in bad faith under consent order XX/XX/XXXX-CFPB-XXXX and directly violates this order. upon more investigating i also never received any redress, or notices in regards to, consent orderXX/XX/XXXX-CFPB-XXXX. i have also attached documents taken from my SNAAC online portal referencing that my account still has a remaining balance, as well as a brief payment history, and a lack of any estatments for viewing.
Company Response: Closed with monetary relief

Timely Response

2018-03-11

Patterson, MD

Incorrect information on your report

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

Account status incorrect
Complaint: I voluntarily gave the XXXX XXXX XXXX ( SNACC ) back their car, which is considered a voluntary repossession. This occurred early XX/XX/2016. SNACC was supposed to " auction '' the car off, but i was never notified of the sale. But They report a closed $ XXXX Balance on my credit report.
Company Response: Closed with explanation

Timely Response

2018-03-05

Great Falls, MT

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2018-03-05

Buffalo Grove, IL

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Company Response: Closed with explanation

Timely Response

2018-02-07

Tampa Palms, FL

Incorrect information on your report

Payday loan, title loan, or personal loan: Installment loan

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-30

Wallington, NJ

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-20

Southern Pnes, NC

Incorrect information on your report

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

Account information incorrect
Complaint: I got this car in XXXX or XXXX I was told that my car payments was XXXX XXXX dollars a month. According to the paper that I signed and what is stated on my credit report I was paying to much. The charge off amount on my credit report is incorrect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-09

Brentwood, TN

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: In XXXX XXXX I purchased a XXXX XXXX avenger. I financed the vehicle through a company called snaac. A few months later I had already started to have some issues with my payments, they said I had insufficient funds within my account but when I viewed my account there was money there. So I paid what I need it to pay to catch back up on my normal payments. Months after that this same thing happened in months after that the same thing also happened all the way till now XXXX XXXX. But at this moment they repossessed my vehicle and once again say that I had insufficient funds within my account but that wasnt true coming from XXXX XXXX. Maybe federal viewed my statements online from the day I got my car till now they told me that snaac didnt even try to an attempt to take or collect the money from my account there was no proof of it and when they did take out the money that it was random and random amounts which was not in the contract and or agreement. I also remember saying on the phone with this company for my payments to come out on the first and 15th numerous times it would come out on the first but on the XXXX there would be no water but instead a later date they would get that money out of my account like the XXXX Way past the date that was set on the agreement. So last night XXXX XXXX my vehicle was repossessed and I had no mail or anything saying that my vehicle was going to get repossessed only a letter stating that my payment is being processed. Both on the phone and face to face XXXX XXXX stated this seems very shady from this company and very much to me seems like a rip off. This happening to an XXXXXXXX member Is a no go in the XXXX
Company Response: Closed with explanation

Timely Response

2017-10-25

Brentwood, TN

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Complaint: I had a car that was financed with SNAAC and repossessed in 2014. No deficiency judgment was ever obtained. I was never given a written itemized list of the amount owed and it is now appearing on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2017-10-17

Elmer, LA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with the interest rate
Complaint: On XXXX XXXX, XXXX I got approved for a car loan with XXXX loan agency. The dealership " XXXX XXXX XXXX '' in XXXX, XXXX made it seem like this was the best decision that I would ever make in my life. I had just gotten to my duty station which is XXXX XXXX, and I was very desperate to get a car not knowing about interest rates. It was my first time making a big purchase like that but it was my only way to support my family at the time. XXXX agency needs to be shut down I have a 19 % APR which was never discussed with the dealership it 's so sad that they do this to young adults. I just turned XXXX and came straight out of training trying to build some credit. I just realized after struggling to make payments every month and on time at that, I literally only paid off XXXX due to the interest rate, in reality since XXXX XXXX, XXXX I paid off more than XXXX. I just need some satisfaction on how can I get a lower interest rate, will snacc XXXX agency finally get shut down? This is n't right to the young adults that ca n't talk about anything with their families and have to do everything on their own. I need some justification. What should I do next?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-10

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

2017-10-06

Houston, TX

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-27

LA

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: XX/XX/XXXX I contacted SNAAC to let them know that Ill be getting out of the XXXX and was trying to see if I can lower the payments. They never responded back to my voice messages. XX/XX/XXXX they repossessed my car. A few months later they sent me a letter stating that they auctioned off the car and I owe a remaining balance. I paid off the remaining balance of {$8000.00}. Around XX/XX/XXXX or XX/XX/XXXX, a sheriff came to my house with some paperwork stating that I still owe a remaining balance of {$8000.00}. If I dont pay it then theyll start garnishing my wages. XX/XX/XXXX, the sheriff came back with a court date. Im confused because I paid the {$8000.00} but theyre saying that I havent paid it.
Company Response: Closed with explanation

Timely Response

2017-09-26

Temperanceville, VA

Communication tactics

Debt collection: Auto debt

Used obscene, profane, or other abusive language
Complaint: In or aroundXX/XX/XXXX I purchased a car and financed it through Security National Automotive Acceptance Company ( XXXX ) .. I made approximately 5-6 payments and realized I could not afford the car anymore. At some point the car was repossessed. In or around XX/XX/XXXX XXXX began to call my cell phone regarding the payments. Eventually the calls became threatening, persuasive and all but bullying me to give them money. The calls were as much as several times a week during the first 2 months. A few things they were saying to me were, amounts I need to and GOING to pay, we will put an arrest warrant out for you, and we are the only people that can help you. These calls lasted for over 10 minutes and the representatives constantly said the same things over and over until I would ask to speak to someone else and at that point I would be on the telephone waiting for long periods of time and at some point I would just hang up. The calls would then persist from different representatives. Approximately 1 week ago, I received a copy of my credit reports and noticed a balanced owed to XXXX in the amount of {$10000.00}. I called them to inquire, I was told the car was sold at an auction for approximately {$1300.00} and the current balance owed to date is {$10000.00}! I actually had to have someone else speak to them on my behalf because of what i had endured previously. Soon thereafter, I mailed them a letter ( attached ) requesting any and all documentation regarding my account as well as demanding them to cease contacting me via my cellular telephone. I have also received texted messages from XXXX and surprisingly, as of XX/XX/XXXX sure enough, I received another text message ( attached ) from XXXX!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-13

Kailua, HI

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2017-09-11

Tacoma, WA

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2017-08-23

El Paso, TX

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

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

Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response