SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP
Consumer Complaints
There are over 105 complaints on file for SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP. Dated between 2019-10-13 and 2013-08-05.
Complaints Page 3
2017-07-28
San Antonio, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
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
2017-07-18
NC
Took or threatened to take negative or legal action
Debt collection: Auto debt
Seized or attempted to seize your property
Complaint: I 've been with my financing company for almost 2 years now, and never really missed a payment. For 7-8 consecutive months in XXXX my payments were being withdrawn on time by this company without any problems. One month ( XX/XX/XXXX ) the payment decided not to come out and the company took it as a missed payment. I rarely check my account on bill day due to my knowledge of not having any money left. So for the next couple of month the payments continued to come out as if nothing happened. I never received a call or letter in regards to that one month that was missed due to not being taken out, which was also proven on my bank statements that the funds were available. So after a month or two went by and payments being made in those months ( XX/XX/XXXX and XXXX & XX/XX/XXXX ). I woke up one morning in the month of XX/XX/XXXX and my vehicle was gone. After getting in contact with the police department, I was told my vehicle was repossessed. I contacted the Finance company and was not given any cooperation with the situation on the matter. I was told I would have max of a week to pay the towing fee and 3 months worth of car payments totaling to {$1200.00} or my command will be contacted and car would be sold. After being threatened and hassled I received a loan to pay off debt to get car back which took 3-4 days. Then following this problem, for the months of XXXX , XXXX and XX/XX/XXXX I was doubled charged a month of car payments of {$450.00}. After contacting the company they did not comply again, giving false payment information stating that I owed that months payment even though I was already charged for it. They then began to threaten to call my Commanding officer again if debt was not paid by a certain date. I was being hassled and repeatedly called every second by this company for months. I had to get a new phone number to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-12
Hazlehurst, GA
Attempts to collect debt not owed
Debt collection: Auto debt
Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-05
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with the interest rate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-02
Jacksonville, FL
Threatened to contact someone or share information improperly
Debt collection: Auto debt
Contacted you after you asked them to stop
Complaint: snaac is re-aging an old debt for the amount of XXXX. It is hurting my credit worthiness. It is stating that the account was opened on XXXX 2011 and that is untrue. This is an illegal practice and I would appreciate if it was deleted from all major credit bureaus immediately. I have called this company on XX/XX/XXXX and and XX/XX/XXXX they would not listen or try to resolve. I have also been threatened by this company to take all my property in court and they also continued to contact me and family members after I stated not to contact me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-08
Roseburg, OR
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 explanation
2017-05-20
Patterson, MD
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Complaint: in XXXX I went to a used car dealership in VA called XXXX XXXX Auto they promised to sell me a car at a low payment and had a plaque saying they were military friendly and provided the best rates for military when it was time for me to get someone to finance my loan they said they had a bank they worked through that gave military the low interest loans so I accepted and they told me to go wait in the waiting area and then an hour later they called me back in to the office at XXXX XXXX and they already had a contract drawn up and ready for me to sign the interest was really high but they said that within 90 days expect a call from the Snacc the bank they used to lower the interest rate of the car loan never got a call and i called the bank and the sales rep we had talked to denied stating this to me i was stuck with the car till the loan was paid for i tried to return the car to the dealership but i was told i was being stupid and had many degrading language used against me i was XXXX and while on XXXX they had missed up with taking the money out on the XXXX of every month i got a message from my mom stating that XXXX had called her and my brother, my aunt, my grandmother stating they were going to repossess my car and i had my mother contact them since i did n't have much phone service and if i did it was for a limited time and i was on hold for the duration of my phone calls with the bank my mother worked with them to figure out a payment plan so that when i got back from XXXX i had a bigger debt to settle with them and the new debt included about XXXX plus extra dollars a month for late fees they had contacted my entire family and that legal action would be taken against me i had my car repossessed and had to pay about XXXX grand to get the car back when i was only 2 months behind on payments i had to pay the bank about XXXX grand to get my car back since i had no way to get to and from work and then i had to pay another XXXX plus to a towing company in cash for getting my car back i found new scratches on my car but was told that the towing company was n't at fault and when i got in touch with the bank that they were n't either the military messed up my pay for 4 months so i had contacted XXXX and asked for some lenience and was told there was nothing they could do and had my ccar repossessed for the 2 ti me i have been trying for weeks to get in touch with XXXX to get my things out of my car when i call XXXX i was sent automatically to the repossession sector without letting me talk to a representive and and told to leave a voicemail and if i leave multiple it would take them longer to get back in touch with me that was almos t 2 wee ks ago i am still waiting to hear back from the bank my credit has taken a huge hit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-18
GA
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 explanation
2017-05-11
Itasca, IL
Struggling to pay your loan
Vehicle loan or lease: Loan
Loan balance remaining after the vehicle is repossessed and sold
Complaint: I filed a previous complaint XXXX XXXX , XXXX about how SNAAC threatened me by saying they were gon na call my commander and have XXXX actions against me if i did not restart my allotment after I had the car voluntarily repossessed in XXXX . I received the company response on XXXX XXXX . Two months after that i received a call from SNAAC trying to collect on the loan. The person on the phone knew i was medically discharged and was asking me for my XXXX rating and if i was receiving stipend from the post XXXX XXXX XXXX . I refused to answer personal question like that. I felt that information like that is between the VA and myself only. SNAAC should not be asking veterans about their benefits especially medically related benefits. This is the second time SNAAC has crossed a line with me. I am afraid they are doing this or worse to other veterans.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-04
Lenzburg, IL
Incorrect information on your report
Vehicle loan or lease: Loan
Account information incorrect
Complaint: Security National Automotive Acceptance Company XXXX XXXX XXXX , XXXX , Ohio XXXX ext XXXX On XXXX XXXX I filed a deferral for my car payment due to the fact that I unexpectedly lost my job. Since then, I have file d 5 c redit disputes ( probably more ) because SNAAC has not reported my payments correctly to the credit bureaus. The XXXX payment shows up as a late payment and my payments after XXXX a'rent even reporting. I have made all of my payments on time but because its not showing up on my credit reports correctly, my score drops tremendously. SNAAC has told me that its the Credit Bureaus fault and the Credit Bureau are telling me to contact SNAAC. I am being ran in a circle and my problem is n't getting fixed. I have been working diligently to fix my credit and this is very distressing. After i file the dispute, my account is made current but the following month, it reports incorrectly. My credit score goes up to 630 and as soon as SNAAC reports it drops back down 560 and i have t o dispute again. For almost 5 months now, this has been going on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-04-28
Fleming, GA
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
2017-03-26
Val Verde, TX
Problems when you are unable to pay
Consumer Loan: Vehicle loan
Complaint: My car was repossessed by Snaac XX/XX/XXXX on a Friday. I made the payment the next day. I called to verify that they had received my payment. Snaac said that they did, but I would have to wait until Monday to talk to the department that handles repossessions. I called Snaac Monday and a representative informed me that my car was scheduled for pick-up to be taken to auction. She told me she would fax XXXX ( XXXX, Texas ) the necessary documentation to stop them from taking my car to auction. I called the towing company to let them know that Snaac would be faxing them said paperwork and that I would be calling back. Later on I called back and was informed my car was being taken to auction ( XXXX, Texas ) because they never received the proper paperwork to prevent them from taking my car to auction. I live in XXXX, Texas. I immediately called Snaac to find out why they did n't fax the paperwork, and the representative in the repossessions department informed me that she did fax over the paperwork. Either company did n't want to take responsibility for the horrible mistake that was made. I did n't get my car back for four days. The supervisor informed that any and all fees for repossession would be waived because it was their mistake my car was taken to auction. XX/XX/XXXX Snaac tried to reapply charges to my account for repossession fees. XX/XX/XXXX, I decided to retrieve a copy of my credit reports from all three bureaus. I noticed Snaac reported late payments and a statement to my report saying " redeemed possession '' months after the fact. It was recently added to my credit reports. I do n't understand why that is so many months later and after the horrible mistake that they made and penalized me for. This is what prompted me to submit a complaint. Snaac has phone recordings that pertains to this situation in their archives.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-03-22
Yuma, AZ
Problems when you are unable to pay
Consumer Loan: Vehicle loan
Complaint: SNAAC has been charging me late fees of XXXX per month and somehow is saying the late fees are now equal to {$490.00} but I have been charged the late fee in the monthly payment. They are also stating that the {$420.00} repossession fee is the third party fee for calling the company to pick the vehicle up. After talking to the third party they stated they have no set fee however SNAAC is still not removing the fee. They are overcharging me on the payments and then still charging me late fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-02-22
Seneca, SC
Taking out the loan or lease
Consumer Loan: Vehicle loan
Complaint: My husband and i have a auto loan with SNAAC. We trade our truck in on XX/XX/XXXX. The dealership sent the payment to the company on the XX/XX/XXXX. And it sends it was delivered on the XX/XX/XXXX. It is now XX/XX/XXXX and they say they never received it. When i spoke the gentlemen this morning he said the address was wrong. But thats the address they have on the website for payoffs by mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-01-02
Kawaihae, HI
Managing the loan or lease
Consumer Loan: Vehicle loan
Complaint: I paid off my vehicle loan with SNAAC, however the very last payment history that was sent to me along with my paid in full letter, reflects very obviously inaccurate data and much more was owed back to me in overage than {$88.00} as can be calculated from the payment history sheet. The principle balance owed and the principle balanced paid have a difference of {$1400.00}, yet only an {$88.00} overage is reported and was paid. Also on the principle balance side of the sheet on XXXX2016 the principle owed reflects XXXX then somehow jumps to {$1600.00} on XXXX/XXXX/2016. Which implies to me that even more than just {$1400.00} was taken from me in overages. Also there are multiple charges marked " other '' that have not been explained to me, my online account has not been updated in months even upon request, and my phone calls have not been returned from customer service about my complaints.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2016-12-20
Jacksonville, NC
Managing the loan or lease
Consumer Loan: Vehicle loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-12-02
KY
Managing the loan or lease
Consumer Loan: Vehicle loan
Complaint: Security national repoed my car when we had automatic payments saying we were 2 months behind and were not. They say we owe XXXX online, XXXX on the paper they sent us and 500 and something on the phone when they call. We only are past due XXXX dollars. They have the due date wrong in their system and whenever we fax the paperwork to have them change it they loose it each time and wont change it to the correct one. They are now telling us we are 3 payments behind and we are not. Im so tired of this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2016-12-01
Bossier City, LA
Problems when you are unable to pay
Consumer Loan: Vehicle lease
Complaint: I purchased a vehicle from a dealership located by XXXX XXXX XXXX XXXX in XXXX after I joined the XXXX. I just turned XXXX and was in need of transportation so i took the advice of a fellow XXXX and went to a local dealership. The small dealership 's main income was from XXXX and has since been blacklisted in XXXX ( I believe ) due to the " taking advantage of young soldiers ''. Because of the lack of soldiers the dealership was forced to shut its doors. The vehicle I financed was a XXXX XXXX XXXX XXXX, financed through Security National Automotive Acceptance Corp. ( SNAAC ). At the time I was unaware of the customer complaints and allegations against the company. I was financed with an 18 % interest rate, that of which was said to be normal by the dealership employee. I maintained the vehicle until XXXX when I was stationed in XXXX XXXX, I was verbally threatened to have the vehicle " voluntarily repossessed '' due to the allotment failing on Mypay. When the allotment failed, they gave me instructions to set it back up. I followed their instructions only to have it stop soon after. I contacted XXXX to figure out the cause of the issue only to be told that they are unsure. SNAAC began the threatening emails and phone calls and contacted my unit. My unit knew that I was not to blame and that they would help resolve the issue and set the allotment back up. By this time I was late a few payments and was unable to pay the sum being requested. They sent a truck to the base to pick up the vehicle while I was in training and left me with no choice but to voluntarily surrender my vehicle so they could sell it and make up what they lost. After the fact, I XXXX to XXXX in XXXX of XXXX and purchased a new vehicle. Soon after I began to receive calls and emails stating that I owed XXXX to them. They threatened with everything under the sun to get their money and even attempted to contact my unit. They were unaware of the fact that I already filled them in and provided the documentation of the past incidents. They were not pleased when my commander and supervisors did not believe the XXXX that SNAAC was saying. They eventually offered me a payment plan that I attempted to use to stop the XXXX experience. The financial load of my bills, my new car, and this bill was overwhelming and my supervisors instructed me to go to the XXXX office. Apparently SNAAC did not like being contacted by them and tried harder to get me to pay. They sent threats claiming " you will void out the agreement and the balance will revert back to the full amount ''. The employee I spoke too named XXXX XXXX did not care how I got the money as long as they received it. It got to the point where I was selling the few belongings I had just to get a little money to send them. I even informed him of my situation and all he wanted was the money I got for selling everything. They contacted me all the way up to XXXX after I XXXX from the military. My credit still shows that I owe XXXX with no way of getting it off even after I paid over half the car, they sold it and made their money back and more, and I made payments after and I still get random calls from them randomly even though they closed the account and passed it on to a creditor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-11-18
Spotsylvania, VA
Managing the loan or lease
Consumer Loan: Vehicle loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2016-10-29
Kawaihae, HI
Managing the loan or lease
Consumer Loan: Vehicle loan
Complaint: I am not being supplied an accurate account of my payment history. My online account is not reflecting any of the payments I have made in the last 30 days, which amounts to approximately {$1900.00}. I have called SNAAC to request my payment history be emailed to me, as they have done in the past, I get told that it will be sent to me, but I receive nothing ( which I find very unusual ).
My Auto financing lender ( SNAAC ) stated that I owe a certain amount of money to complete the balance owed on my vehicle, however, when I have requested clarity in form of a written statement, stating the exact balance, they have failed to effectively communicate the Facts, but instead have continued to ask for money.
I do n't trust that I 'm being given correct information, and I fear that I might be asked to pay More than what I am actually financially responsible for.
I appreciate your assistance in looking into, and your help in resolving, this matter.
Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2016-08-23
Matteson, IL
Managing the loan or lease
Consumer Loan: Vehicle loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-08-05
Ernul, NC
Taking out the loan or lease
Consumer Loan: Vehicle loan
Complaint: In XXXX XXXX, I purchased a 2012 Honda Civic from XXXX XXXX, XXXX XXXX, Virginia. The purchase price was approximately {$10000.00}. The loan was 60 months at 7-8 % interest. My car payments, according to the dealership, were supposed to be $ XXXX/month. In XXXX XXXX, XXXX XXXX attempted to take approximately {$450.00} from my XXXX XXXX XXXX XXXX without my permission. I contacted the dealership, and they told me the car payment was in fact {$470.00} per month. I told them I did n't want to do business with them, as that was not the agreed upon price. They took the car back ( travelled to North Carolina and got it ), and told me I was free and clear. In XXXX XXXX, I received a notice of an involuntary allotment from my command by Security National Automotive Acceptance Corp. This was the first time I learned of any legal action against me, as all paperwork for somehow sent to my home of record, despite the dealership and finance company having my address in North Carolina. The judgment against me was for {$10000.00} at an interest rate of 20.15 %. SNAAC 's attorney, XXXX XXXX, told me that they should have mailed me at my NC address or through my XXXX. The judicial decree ordered me to pay the full amount, plus attorneys fees for SNAAC. Further, I have been receiving notices from SNAAC that I have been applying for loans, and those loans are being rejected. However, I have not applied for any loans.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-07-30
Naples, FL
Problems when you are unable to pay
Consumer Loan: Vehicle loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-05-11
Palos Park, IL
Managing the loan or lease
Consumer Loan: Vehicle loan
Complaint: Yesterday XXXX/XXXX/XXXX XXXX MST I sent the following email to XXXX XXXX after we spoke on the phone regarding my account and my many issues I 'm having with SNAAC. He did not reply. When I called back this morning, he let me know that he did get my email but did not reply due to concerns I made. He said he forwarded my email to XXXX XXXX, VP of Compliance department and that he will note my request for XXXX XXXX to contact me only via email. However, he said I could not have XXXX XXXX contact information and he did not know a turnaround time. I have been battling this company for months and can not get the courtesy of a reply to let me at least know this much.
Here 's the email explaining my complaints : " XXXX XXXX, Thanks for the statement. My wife requested this on Friday XXXX/XXXX/XXXX when she spoke with XXXX but we never received it after she claimed she 'd send it right away.
According to my XXXX XXXX XXXX and XXXX XXXX, my XXXX is 18.75 %. You all have been taking more than that from every payment I 've made ; sometimes more than 50 % of my payments and applying it to interest. I 've NEVER had that done with any vehicle loan I 've had. There 's not even any consistency. Please explain the varying amounts of interest SNAAC has been taking from my monthly payments.
Also, need to know how to go about specifying how much of my payments goes to principal and how much goes toward interest. In other words, how do I make a principal-only payment and an interest payment. Does this need to be done separately, or can I somehow specify how each payment is directed. I have to ensure my payments are applied appropriately since SNAAC is applying it however they feel.
Where in my agreement with SNAAC does it list that you all will apply varying amounts of my payments to interest? This was never made clear to me, and seems to be a matter of unfair, deceptive, and abusive acts and practices ( UDAAP )! Under the XXXX XXXX, it is unlawful for any provider of consumer financial products or services to partake in any unfair, deceptive, or abusive practices.
Rightfully so, I am very bothered by how XXXX has conducted business, from threats to contact my chain of command during my financial hardships to manipulating me and my account in regards to interest.
How can my payments I 've made be redirected, appropriately?
I also want to draw attention to the fact that on XXXX/XXXX/XXXX XXXX said she would submit an accounting ticket to have the following fees reversed and each and every time my wife and I follow up with SNAAC we 're told it 's still being reviewed, though we 've been told that XXXX 's notes are in the system! I also need a resolution for this matter.
{$110.00} repo fee {$60.00} NSF XXXX from XXXX, XXXX XXXX, XXXX XXXX {$28.00} late fees for XXXX Please, address all of my above-mentioned concerns.
Kindly, XXXX XXXX XXXX, XXXX '' I would like to add that SNAAC DID in fact contact superior, XXXX ; they made good on their threat.
SNAAC has humiliated me and has refused to handle account concerns dating back to XXXX, not to mention their deviations with my payments. I was financed for a little under $ XXXX, and a year later my balance is over $ XXXX! Mind you, monthly payments are {$560.00}.
When CFPB asks, " Which of these best describes your issue?, '' I 'm only allowed to select XXXX, but really there 's been problems when I was unable to pay, there 's been problems with taking out the loan ( terns ), and problems with loan management.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2016-04-16
Colo Spgs, CO
Managing the loan or lease
Consumer Loan: Vehicle loan
Complaint: I refinanced my auto loan. On XXXX XXXX I overnighted a check to SNAAC. On XXXX XXXX I called to verify they received the payment for the full loan amount and to make sure they would not pull funds from my account. I was told that no payments would be taken because they did receive the check. In fact, I was informed that I had a XXXX dollar credit that would be sent to be my mail. I was lied to. my full regular loan payment was withdrawn on XX/XX/XXXX despite being told that would not happen. Luckily I had the funds in my account, but with it being SATURDAY I am left with little to take care of my family this weekend. I called my bank but the process on their end takes up to 45 calendar days. I am really disgusted that a company can do this to people. I was given a blatent lie, and I feel like they told me what I needed to hear to get me to go away.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation