Consumer complaint received 2017-05-20
Company: Security National Automotive Acceptance
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
in   XXXX   I went to a used car dealership in VA called  XXXX   XXXX  Auto they promised to sell me a car at a low payment and had a plaque saying they were military friendly and provided the best rates for military when it was time for me to get someone to finance my loan they said they had a bank they worked through that gave military the low interest loans so I accepted and they told me to go wait in the waiting area and then an hour later they called me back in to the office at  XXXX   XXXX  and they already had a contract drawn up and ready for me to sign the interest was really high but they said that within 90 days expect a call from the Snacc the bank they used to lower the interest rate of the car loan never got a call and i called the bank and the sales rep we had talked to denied stating this to me i was stuck with the car till the loan was paid for i tried to return the car to the dealership but i was told i was being stupid and had many degrading language used against me i was  XXXX  and while on  XXXX  they had missed up with taking the money out on the  XXXX  of every month i got a message from my mom stating that  XXXX  had called her and my brother, my aunt, my grandmother stating they were going to repossess my car and i had my mother contact them since i did n't have much phone service and if i did it was for a limited time and i was on hold for the duration of my phone calls with the bank my mother worked with them to figure out a payment plan so that when i got back from  XXXX  i had a bigger debt to settle with them and the new debt included about  XXXX  plus extra dollars a month for late fees they had contacted my entire family and that legal action would be taken against me i had my car repossessed and had to pay about  XXXX  grand to get the car back when i was only 2 months behind on payments i had to pay the bank about  XXXX  grand to get my car back since i had no way to get to and from work and then i had to pay another  XXXX  plus to a towing company in cash for getting my car back i found new scratches on my car but was told that the towing company was n't at fault and when i got in touch with the bank that they were n't either the military messed up my pay for 4 months so i had contacted   XXXX    and asked for some lenience and was told there was nothing they could do and had my ccar repossessed for the  2 ti me i have been trying for weeks to get in touch with  XXXX  to get my things out of my car when i call   XXXX   i was sent automatically to the repossession sector without letting me talk to a representive and and told to leave a voicemail and if i leave multiple it would take them longer to get back in touch with me that was almos t 2 wee ks ago i am still waiting to hear back from the bank my credit has taken a huge hit

Company 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