| 06/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
Servicemember |
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I am an XXXX XXXX XXXX XXXX XXXX, and have consulted with a Judge Advocate on this issue. On XX/XX/XXXX I purchased a XXXX XXXX XXXX ( VIN XXXX ) from XXXX XXXX XXXX in XXXX, NY for {$18.00}, XXXX. I financed the vehicle through Security National Automotive Acceptance Company ( SNAAC ). With the interest rate of 18.25 %, the total amount I financed through SNAAC was {$28000.00}. My monthly payments were {$460.00} for 60 months. On or around XX/XX/XXXX I was XXXX to XXXX. My wife at the time, XXXX, transported the vehicle back to our home state of Kentucky. She was using the vehicle while I was XXXX. At some point during my XXXX, the vehicle was allegedly stolen from her. The driver whom I did not know, XXXX XXXX, was apparently pulled over and arrested in XXXX, Mississippi. After she was arrested, my vehicle was impounded at the XXXX Impound lot.
My wife at the time and I had already decided that we were going to divorce and were no longer in contact, therefore she did not inform me that my vehicle had been impounded. I am not completely sure when this all occurred, as I have not been able to get much information. However, I was not informed in any way that my vehicle was impounded by the impound lot, police department, or SNAAC. Shortly before returning home from XXXX, XXXX finally informed me that my vehicle was impounded. She did not tell me any other information as to the circumstances or location, but I knew from my bank account that she had been in XXXX, Mississippi.
Once I returned to XXXX XXXX from XXXX XXXX, XXXX, I began to call different impound lots around that area and eventually located the XXXX Impound lot where my car was impounded. They informed me over the phone that they found SNAACs information in the glove box and contacted them. My information was also in the glove box, therefore the impound lot could have easily found out who the owner of the vehicle was. The impound lot told me that the lien holder ( SNAAC ) told them that they did not want to retrieve the vehicle and therefore the vehicle could be sold at auction in order to cover impound costs after 30 days, which it was. The impound lot never tried to get in contact with me when the car came to them, and to my knowledge, never enquired whether I was a servicemember. SNAAC, knowing I was a servicemember, never tried to contact me regarding the car. They simply allowed the impound lot to have the vehicle, and presumably were never going to inform me about the location and condition of my vehicle. They certainly never received permission from me or a court order authorizing them to release my vehicle to the impound lot.
Because I no longer had the vehicle or anyway to retrieve it, I immediately turned off payments for the vehicle, and was contacted only then by SNAAC. I had not heard anything from them before turning off payments, even though they were aware that I was XXXX. Once I stopped payments they began harassing me to collect the vehicle costs. They even called my chain of command and threatened to interfere with my XXXX career and security clearance in an effort to get payment. They also harassed my father. Once the constant calls began, I went to JAG at XXXX XXXX. I told them the entire situation, but they told me since it did not occur in New York state, they could not help me. I agreed to make smaller payments of {$100.00} to SNAAC to get them to stop harassing and in fear of their threats to my career. I made 1 or 2 of those payments before stopping payment all together. I stopped paying because I decided to try to file a loss and a stolen vehicle report with my insurance ( XXXX ). My claim was eventually denied, as XXXX would not cooperate and XXXX would not allow me to claim my car as stolen. For months I made attempts to contact the impound lot, police department, and all parties of the event to collect information for my claim but no one would help me. Eventually I gave up.
I had never heard anything from SNAAC in regards to the owed money of over XXXX being sent to collections until I checked my credit report in XXXX and saw it had been sent to XXXX XXXX XXXX in XXXX. SNAAC had threatened to list the debt as a repossession, even though it was not one. They said they did not care and could put whatever they wanted on my credit report, and that the repossession would hinder my career and future. I tried to dispute the debt, with no luck. The repossession information on my credit has continually made it difficult when trying to finance any other vehicles since then. I decided as a final effort, and from advice from my current wife, to contact the DOJ regarding this issue. Since then, I have consulted with a Legal Assistance Judge Advocate in XXXX XXXX, XXXX, where I was on rotation.
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| 05/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
Servicemember |
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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.
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| 12/01/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Problems when you are unable to pay
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Web |
Servicemember |
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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.
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| 05/20/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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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
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| 10/13/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
Servicemember |
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Security National has wrongfully repossessed my car on XXXX separate occasions. The first time my car was repossessed, Security National made an error on processing a payment deferment and repossessed my car while I was serving a 12 month XXXX. No notice was given after the repossession and my wife believed the car to be stolen. Upon further inspection after returning my vehicle there was significant damage to the front of my car consistent with the repo company improperly towing my vehicle. I immediately notified Security National of the issue and sent detailed photos of the damage. My complaint was however ignored and I was never compensated for the damages or the loss of use of my vehicle. A year passed since this incident and I was forced to file chapter XXXX bankruptcy for some uncontrollable circumstances. I filed a successful motion to redeem my vehicle from Security National at the fair market value. Security National failed to adhere to the court order and held the title to the vehicle in excess of 30 days after the funds had been received far exceeding the 3 day mandated surrender of the title annotated in the court order. During this time they continued to aggressively seek the recovery of my vehicle by having repossession agents come to my home. I contacted Security National about this issue and was told by a representative that they were still seeking to collect a debt from me and were unaware of any court documents sent to them even though the check sent to them had been cashed almost a month prior. It was n't until I was put on an extended hold and told that the documents had been magically found that I was reassured the issue would be resolved and the account would be closed, the title sent out and the repossession efforts would cease. Almost two weeks had passed following this conversation and another repo agent successfully repossessed my vehicle on a Sunday at my residence. I was unable to seek any kind of help because of this and was n't able to contact Security National till the following day. The repo company blamed Security National for not rescinding the repo order and Security National blamed the repo company for not receiving notice to cancel the order. Irrigardless of their communication issues I was still a victim of my car being unlawfully repossessed when Security National had no legal ownership of my vehicle. Again, I was never compensated for the inconvience or loss of use of my vehicle for this second wrongful repossession. The disorganization of this auto lender is appalling and I feel what has happened to me is unacceptable.
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| 07/18/2017 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
Servicemember |
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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.
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| 03/26/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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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.
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| 04/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Servicemember |
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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}.
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| 03/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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|
Web |
Servicemember |
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I just read a case against Security National Acceptance filed by CFPB on a service member and it states that SNAAC is not supposed to get into any more problems with the service members but here I am an XXXX military who got an auto loan with them. In XXXX of 2015 I filed for bankruptcy which was discharged in XXXX of 2015. I am attaching the email from the Judgement Administrator at SNAAC who stated very clearly that she received the court documents and I am retaining my vehicle. I took that email as confirmation and have been making payments to SNAAC for the past one year on time. SNAAC has not been reporting any payments to the credit bureaus and upon asking I got told that oh it was discharged in bankruptcy. I have made payments to SNAAC for the pat one year. I have been arguing with them about this since like XXXX of 2015 when I first found out about this. No response, no resolution nothing. My credit score hurting, did not get approved for any auto loan anywhere till yesterday finally with a high interest rate, a security investigation going on me with the military and no positive accounts reported in the credit bureau which may affect my clearance with the military, I am not getting any response from SNAAC they never email or call me, customer service representatives are very rude and they tell me they can not do anything and they always transfer me to XXXX XXXX the current Judgment administrator who never answers her phone or gets back to me. So I have one year of payments not reported to the credit bureaus which has affected my credit rating, no credit card approvals an auto loan approval with a high interest rate, the metal torture Im going through right now, the time I waste in contacting and looking for answers with no resolution.
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| 09/26/2017 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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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!
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| 12/09/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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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
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| 07/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
Servicemember |
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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.
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| 03/27/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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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.
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| 08/30/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
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Web |
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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.
|
| 08/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Servicemember |
|
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.
|
| 03/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
I 've been having several issues with SNAAC which is the company I 'm financing my vehicle through. On XXXX XXXX my vehicle got ceased because I was behind on a payment due to a tornado ripping through XXXX Georgia so I had to pay for repairs on my vehicle. Before I knew my vehicle was getting repo 'd I did schedule XXXX payments off {$400.00} and my recurring payment of {$330.00}. Later on that evening they took my vehicle and I contacted SNAAC to see what all I 'd have to do in order to get it back. They were like, you 'll get an email. Did n't receive any thing until a couple of days later. Payments were made and my account was back in good standing but still had difficulties on their customer service support side. They were all rude and unprofessional. I 'm in the XXXX and the last thing I need is to be without a vehicle. On the XXXX of XXXX I received my vehicle back paying a total of {$430.00} in towing fees and storage I guess. Today, XXXX XXXX, I get an official letter from SNAAC which is a " NOTICE OF OUR PLAN TO SELL PROPERTY '' letter with my vehicle id number and information. There 's a box checked off which states " WE WILL SELL THE VEHICLE AT A PRIVATE SALE SOMETIME AFTER 10 DAYS FROM XXXX/XXXX/2016. ASALE COULD INCLUDE A LEASE OR LICENSE. '' Not understanding why this is happening to me.
|
| 04/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
As you probably know, XXXX is not a good choice when it comes to getting a loan or settling issues with these guys. Recently my car was repossessed due to inaccurate information given as well as deceitful tactics to get payments out of me. recently I just came back from XXXX and my finances were were not in order. So im basically playing catch up. I spoke to rep. in XXXX regarding my payments as I was 4 months behind. I told the rep I could pay 2 months which totaled out to be XXXX. She then said I qualified for a deferment program since a years worth of payments on time and my account would be current.. needless to say I never saw those deferment documents after calling and asking about it nobody seem to know anything. So with that being said My car was charged off and repossessed because of non payment. I wen tot an organization that was willing to pay the amount owed to get my car out of repossession status. The rep I spoke with was fully aware of what we discussed I repeated the terms over and over and she agreed and told if I paid that amount my car would be released to me. So the company called to get the car she had no recollection of what I was talking about so that 's twice in a matter of months either their incompetent or full of scams. Ive read one too many stories about this company.
|
| 01/30/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
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.
|
| 03/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
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.
|
| 10/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I purchased a XXXX Cheverolet Cobalt back XX/XX/XXXX when I was XXXX in the Air Force in XXXX Georgia XXXX. The car was overpriced and they charged me a very high interest rate. The payments were paid via an allotment directly from my paycheck. I paid the payments faithfully while in active duty. In XXXX I XXXX could no longer make the payments. I contacted Security National XXXX to see if they would defer my payment until I could find employment, but they refused to work with me. The eventually repossed the car and resold it to another buyer. I have not seen or heard anything from them since, but they have added this to my credit report as a charge-off and have an outstanding balance of {$8300.00}. I feel that this is unfair especially since the car has been resold and I did pay for the car faithfully when in the Air Force and did try to work out an arrangement with them, which they refused. I am asking CFPB to please assist me in getting this removed from my credit report. I would like to purchase another vehicle but this has prevented me from gettng approved for financing over the years. I appreciate any help that your agency can provide.
Thanking you in advance.
|
| 04/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
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
|
| 10/17/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
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?
|
| 05/04/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
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.
|
| 04/29/2018 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Servicemember |
|
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.
|
| 03/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I got a vehicle loan in XXXX from Security National Automotive Acceptance. I had been in contact with this company in XXXX to come pick the car up because it was not working. I was told through email " the car is not worth the pick up value. '' I got out the military and moved back to XXXX where I have been living and working. I was notified on XXXX XXXX that my wages from my job at XXXX would be garnished. I called the payroll department because I could n't understand why my wages were being garnished for a loan I had 10 yrs ago. I was informed by the payroll specialist that " the garnishment is illegal because you live in XXXX and under federal law XXXX residents are not subject to creditor wage garnishments. '' The payroll specialist also informed me that she had to " code it AS IF it were a student loan to force it through. '' I am asking for help with this matter because not only is this debt 10 years old but I no longer have the car and I also tried to give the car bad years ago.
|
| 02/23/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
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.
|
| 06/24/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
Security National Automotive Acceptance CompanyI was a XXXX in the XXXX XXXX and got behind on a car payment do to a divorce. I was attempting to contact this company to fix it when they began to call and threaten me over the phone to include contacting my commanding officers. I let them take back the car becouse I no longer wanted to deal with them. They still started going after me for the full amount of the cars worth even after they sold it. I went to court against them and the judge agreed that I did not have to pay the full amount and took about XXXX off what they were trying to get from me. I was paying them back XXXX dollars a month until I got a honorable discharge from the XXXX and they put XXXX owed in collections on my credit report. I ended Up fighting them with XXXX and they took everything off my report. Years later about XXXX they have started calling and harassing me again and have placed the amount of XXXX back on to my credit report.
|
| 10/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
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
|
| 11/09/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
Servicemember |
|
I 'm enlisted in the XXXX XXXX stationed onboard the XXXX XXXX XXXX, XXXX XXXX which is in the shipyard at XXXX XXXX XXXX. XXXX 2014 I got a preapproved loan thru XXXX XXXX XXXX XXXX. I went to XXXX XXXX in XXXX Va. The dealership told me they could get me a loan elsewhere allowing me to buy the car I really wanted which was higher than my loan approval. I was approved through SNAAC, the dealership had me set up the payments as an allotment at the time of purchase. My command took me back to the dealership & the car was returned at no cost. I got a better deal elsewhere, however I did n't stop the allotment going to SNAAC. When I realized last month that I was always broke I went to XXXX to see about getting the money back from SNAAC, I stopped the allotment on XXXX. I spoke with XXXX on XXXX XXXX at XXXX and he assured me they would return my money to me, over {$3000.00}. I have not received my money from them as of this morning.
|
| 01/02/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
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.
|
| 08/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
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.
|
| 05/11/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
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.
|
| 04/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
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.
|
| 03/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
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.
|
| 05/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
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.
|
| 09/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
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.
|
| 08/28/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
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.
|
| 12/25/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 07/23/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
Servicemember |
|
I purchased a XXXX mustang from a used car dealership in XX/XX/XXXX. The car had some issues, so I traded it in a few months later for a XXXX mustang. The dealership stated we could do an even trade of the value of the new vehicle to be the same as what I owed on the old one. So I took out a loan on the new vehicle believing the dealership was going to pay off the old one. A few months passed, I had to go XXXX, and I eventually found out that the dealership went out of business, did n't declare bankruptcy, did n't list me as a payee, and basically left me high and dry with twice the amount of debt I was intended to have.
|
| 09/17/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Wrong amount charged or received
|
|
Web |
Older American |
|
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
|
| 06/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
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.
|
| 06/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
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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.
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| 07/02/2017 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
Servicemember |
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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
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| 03/31/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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|
Web |
Servicemember |
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In XXXX 2014 I was in XXXX and was notified that I was to be XXXX. Knowing this I knew that I would no longer be able to pay for the car loan I had. I then called SNAAC to have the car voluntarily repossessed. They got the car a week later and that 's when I started to receive calls to restart my allotment to pay for the car. They told me that if I did not pay my debt that they would then call my commander due to being in violation of UCMJ for not paying my debts. I did not know what they did was illegal until I came across your article.
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| 11/30/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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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
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| 06/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
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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.
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| 12/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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|
Web |
Servicemember |
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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.
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| 03/22/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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|
Web |
Servicemember |
|
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
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| 02/22/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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|
Web |
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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.
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| 05/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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|
Web |
Servicemember |
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Before I purchased a XXXX XXXX XXXX In 2014 from XXXX XXXX XXXX they never did a mandatory vehicle inspection or emission test according to Texas law ... .instead they made me finance one without going through the proper protocol and security national automotive knew about this to ... that's deceptive practices issuing me tags without inspection
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| 02/23/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
Servicemember |
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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.
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| 03/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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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.
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| 12/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
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.
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| 11/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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|
Web |
Servicemember |
|
My husband and I only missed XXXX payment with Snaac. And we received on XXXX XXXX that was dated on XXXX XXXX saying if we do n't pay by XXXX XXXX they will take our car. We are on a fix income. We told that we only get payed once month.
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| 10/25/2017 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
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.
|
| 05/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
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.
|
| 02/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
the account was made in 2009 and is currently past the statue of limitations. The company has not removed the account.
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| 12/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
XXXX SNAAC tradeline was deleted from credit report
|
| 08/17/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 02/11/2020 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Phone |
Servicemember |
|
|
| 10/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
|
| 07/07/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Servicemember |
|
|
| 05/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
|
| 05/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/10/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
|
| 03/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Phone |
Servicemember |
|
|
| 12/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 12/13/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 10/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Phone |
|
|
|
| 06/15/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 05/30/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 04/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
|
| 03/30/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
|
| 03/05/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
|
| 03/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
|
| 02/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 01/30/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
|
| 10/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Servicemember |
|
|
| 10/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
|
| 09/13/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
|
| 09/11/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
|
| 08/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 07/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 07/12/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 07/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Phone |
Servicemember |
|
|
| 06/08/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
|
| 05/18/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
|
| 04/28/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
|
| 12/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
Servicemember |
|
|
| 11/18/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 08/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
|
| 07/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
|
| 04/04/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
Servicemember |
|
|
| 03/14/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 03/04/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
Servicemember |
|
|
| 02/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 12/09/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 11/02/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
Servicemember |
|
|
| 10/16/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 10/09/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
|
| 02/17/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
|
| 02/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
|
| 01/12/2015 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
Servicemember |
|
|
| 01/05/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/26/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 08/16/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
|
| 05/28/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
Servicemember |
|
|
| 03/01/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/31/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
|
| 10/11/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
|
| 06/26/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
|