Consumer complaint received 2016-05-11
Company: Security National Automotive Acceptance
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Yesterday XXXX/XXXX/XXXX XXXX MST I sent the following email to XXXX XXXX after we spoke on the phone regarding my account and my many issues I 'm having with SNAAC. He did not reply. When I called back this morning, he let me know that he did get my email but did not reply due to concerns I made. He said he forwarded my email to XXXX XXXX, VP of Compliance department and that he will note my request for XXXX XXXX to contact me only via email. However, he said I could not have XXXX XXXX contact information and he did not know a turnaround time. I have been battling this company for months and can not get the courtesy of a reply to let me at least know this much. 

Here 's the email explaining my complaints : " XXXX XXXX, Thanks for the statement. My wife requested this on Friday XXXX/XXXX/XXXX when she spoke with XXXX but we never received it after she claimed she 'd send it right away. 

According to my XXXX XXXX XXXX and XXXX XXXX, my XXXX is 18.75 %. You all have been taking more than that from every payment I 've made ; sometimes more than 50 % of my payments and applying it to interest. I 've NEVER had that done with any vehicle loan I 've had. There 's not even any consistency. Please explain the varying amounts of interest SNAAC has been taking from my monthly payments. 

Also, need to know how to go about specifying how much of my payments goes to principal and how much goes toward interest. In other words, how do I make a principal-only payment and an interest payment. Does this need to be done separately, or can I somehow specify how each payment is directed. I have to ensure my payments are applied appropriately since SNAAC is applying it however they feel. 

Where in my agreement with SNAAC does it list that you all will apply varying amounts of my payments to interest? This was never made clear to me, and seems to be a matter of unfair, deceptive, and abusive acts and practices ( UDAAP )! Under the XXXX XXXX, it is unlawful for any provider of consumer financial products or services to partake in any unfair, deceptive, or abusive practices. 

Rightfully so, I am very bothered by how XXXX has conducted business, from threats to contact my chain of command during my financial hardships to manipulating me and my account in regards to interest. 

How can my payments I 've made be redirected, appropriately? 

I also want to draw attention to the fact that on XXXX/XXXX/XXXX XXXX said she would submit an accounting ticket to have the following fees reversed and each and every time my wife and I follow up with SNAAC we 're told it 's still being reviewed, though we 've been told that XXXX 's notes are in the system! I also need a resolution for this matter. 
{$110.00} repo fee {$60.00} NSF XXXX from XXXX, XXXX XXXX, XXXX XXXX {$28.00} late fees for XXXX Please, address all of my above-mentioned concerns. 

Kindly, XXXX XXXX XXXX, XXXX '' I would like to add that SNAAC DID in fact contact superior, XXXX ; they made good on their threat. 

SNAAC has humiliated me and has refused to handle account concerns dating back to XXXX, not to mention their deviations with my payments. I was financed for a little under $ XXXX, and a year later my balance is over $ XXXX! Mind you, monthly payments are {$560.00}. 

When CFPB asks, " Which of these best describes your issue?, '' I 'm only allowed to select XXXX, but really there 's been problems when I was unable to pay, there 's been problems with taking out the loan ( terns ), and problems with loan management.

Company 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 monetary relief