Consumer complaint received 2016-12-01
Company: Security National Automotive Acceptance
State: LA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I purchased a vehicle from a dealership located by XXXX XXXX XXXX XXXX in XXXX after I joined the XXXX. I just turned XXXX and was in need of transportation so i took the advice of a fellow XXXX and went to a local dealership. The small dealership 's main income was from XXXX and has since been blacklisted in XXXX ( I believe ) due to the " taking advantage of young soldiers ''. Because of the lack of soldiers the dealership was forced to shut its doors. The vehicle I financed was a XXXX XXXX XXXX XXXX, financed through Security National Automotive Acceptance Corp. ( SNAAC ). At the time I was unaware of the customer complaints and allegations against the company. I was financed with an 18 % interest rate, that of which was said to be normal by the dealership employee. I maintained the vehicle until XXXX when I was stationed in XXXX XXXX, I was verbally threatened to have the vehicle " voluntarily repossessed '' due to the allotment failing on Mypay. When the allotment failed, they gave me instructions to set it back up. I followed their instructions only to have it stop soon after. I contacted XXXX to figure out the cause of the issue only to be told that they are unsure. SNAAC began the threatening emails and phone calls and contacted my unit. My unit knew that I was not to blame and that they would help resolve the issue and set the allotment back up. By this time I was late a few payments and was unable to pay the sum being requested. They sent a truck to the base to pick up the vehicle while I was in training and left me with no choice but to voluntarily surrender my vehicle so they could sell it and make up what they lost. After the fact, I XXXX to XXXX in XXXX of XXXX and purchased a new vehicle. Soon after I began to receive calls and emails stating that I owed XXXX to them. They threatened with everything under the sun to get their money and even attempted to contact my unit. They were unaware of the fact that I already filled them in and provided the documentation of the past incidents. They were not pleased when my commander and supervisors did not believe the XXXX that SNAAC was saying. They eventually offered me a payment plan that I attempted to use to stop the XXXX experience. The financial load of my bills, my new car, and this bill was overwhelming and my supervisors instructed me to go to the XXXX office. Apparently SNAAC did not like being contacted by them and tried harder to get me to pay. They sent threats claiming " you will void out the agreement and the balance will revert back to the full amount ''. The employee I spoke too named XXXX XXXX did not care how I got the money as long as they received it. It got to the point where I was selling the few belongings I had just to get a little money to send them. I even informed him of my situation and all he wanted was the money I got for selling everything. They contacted me all the way up to XXXX after I XXXX from the military. My credit still shows that I owe XXXX with no way of getting it off even after I paid over half the car, they sold it and made their money back and more, and I made payments after and I still get random calls from them randomly even though they closed the account and passed it on to a creditor.

Company 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