Consumer complaint received 2023-10-31
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
Oh my life I tXXXX XXXX worked for the XXXX XXXX XXXXXXXX one day I decided Im gon na go get a job where I can have some benefits and retirement. I went to work for XXXX  as XXXX XXXX XXXX XXXX years XXXX XXXX on a XXXX XXXX and I financed it through security finance credit union in XXXX XXXX in XXXX XXXX As we go through life, we see people go through things and things happen to them. And wonder its got to be hard to go through. Let me tell you my story its real its a real deal one year into payment on my loan with security finance I fell significantly sick with life and death issues and they will last for three years. Finally XX/XX/XXXX I finally started feeling well and XXXX had a XXXX XXXX. It formed on my spine and XXXX me from waist down. I couldnt ever find out what was I was in horrible pain. We did not know the blood clot was there, and after a week, I realized if I didnt do something I was never going to walk again so I went and had a XXXX and found a XXXX XXXX which had been there for about seven days in thats where it began. I had to learn how to walk again, the problem was the spine was collapse for a long period of time leaving long term damage, it was just a hard time but I made it. I got over it. I did return to work next thing, you know, severe XXXX attack put in the hospital take to XXXX out while they were there they cut a hole in my XXXX XXXX. not realizing this situation happened five days later my whole body was XXXX every XXXX XXXX  and XXXXXXXX  Doctors advised my family her odds arent XXXX XXXX gon na make it XXXX XXXX months in the hospital. I made it I overcame the odds I was a cowgirl from XXXX Texas, it took me to XX/XX/XXXX to get strength back from a XXXX pound lady who was XXXX pounds all day long.Once at home then XXXX was back in my right eye rushed to Texas XXXX in XXXX lost my right eye but due to wonderful nurses every XXXX minutes for 10 days putting eye drops trying not to lose my left eye because the right eye was XXXX scheduled for a corneal transplant. I really felt I could not take another hospital visit if youre just being out from being in XXXX for XXXX XXXX months and then turn around and go right back for 10 days time I post pone the corneal transplant, I seem to be getting better and getting well. I will come back home and my dogs were playing in the rain by me and XXXX of them scratched my leg cleaned it really good it was very small XXXX days later Ive XXXX a gaping hole in the side of my leg. I had a back rare XXXX eaten through my leg, and I went to an after after hours care of clinic straight to the wound care hospital and overcoming that and they it was the hardest XXXX years I ever fought in my life because I was not a quitter as a cowgirl, security finance. Yes, they were in the rearview mirror. XXXX months into my through your journey I did communicate with them they want me to turn the truck in. They do not see me ever being able XXXX XXXX it again and how I wasnt going to be a quitter so but that is when the the major stuff hit, and I did not communicate with them because I was fighting to live a real dog fight. And then my best friend my husband of XXXX, he couldnt take it had a girlfriend and left. do you to the XXXX and you have XXXX different kinds of XXXX that will probably always remain. I dont know how I contracted it but we never know I live in the country 19 years in my home XXXX acres arena horses.I no longer live out there so I had to move to town and living in apartment, everything had worked My whole life was XXXX XXXX XXXX when the first taxes were paid out my check I never quit trying to live be here another day. Its been life changing XXXX thing I do know is my father in in XXXX wants me to be here. I had left my truck and my dog .Saturday, XX/XX/XXXX I believe its date and tow truck picked my vehicle up for repossession after XXXX XXXX years. I do understand and realistically that I failed to communicate with XXXX understand this that I was fighting to live my family. They took care of me, but they also had their families to take care of in. I just figured that it was over they wrote it off or taken it off for medical and I did read the policies again because I just do not understand the XXXX years they didnt do anything. I stand corrected. They did send a notice of they were pending insurance on the truck did not understand that because I kept the truck insured I Did Call security, finance XXXX thing and they advised me they were {$39000.00} and I asked them why why has it been so long you know that all the sudden this is it in on find me well I was not hard to find as I found the truck they couldve found it anytime. so I guess my complaint is security finance. Is he left the truck in my possession do you want the hardest time is it a persons light and they just come pick it up and say you need to pass {$39000.00} or were going to auction it I ask him, if they would work with me and you and read their policies and they said no because they had written it off OK I called XXXX XXXX XXXX XXXX for help. I was advised by them they do not know Texas XXXX I dont understand how you are an overseer basically and not know your state law I called everyone under the sun and finally the very sweet lady in the library gave me your phone number invite me Nice talk to help you and when I called your first agent, this man take the time to hear my story and wonder why no one in my state how do you need knowledge of? Could there be some thing that could cover me? Is there a statute of limitation on this and became XXXX over this? Please understand XXXX not trying to blame this on security finance. I know that I was in default and I also noticed I need for my life. And I had XXXX knee replaced in XXXX and they said another XXXX XXXX. It was first time in the whole life. I went into the hospital and came out with no secondary condition. Thats what XXXX grateful for him. Also very grateful for you guys, considering taking my complaint and listening, but this is my story and I thank you so very much for your time I will be uploading the medical bills, not the bills. This is the kind of timeline in the things that Ive shared with you today and thank you in advance for your help in this matter. I did ask security, finance if I could have just a little time to see my options and I was advised that I had 10 days.

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