Complaint Review: Security national automotive acceptance company

 I am an active duty soldier in the army, and I've had enough of this place. I purchased a car in 2011 and financed through SNAAC. The problems started within the same month I drove the car off the lot. I'd been "had" by the used car dealer to begin with and was, from that issue alone, already having a hard time deciding to keep the car. More on this later. As for SNAAC, I wish I'd known about them before using their servicises and hope no one else does. I went into this purchase with ignorance by not doing my own research and made it worse that this company was financing me. In September of 2011, I drove the car off the lot feeling ripped off, I decided I would scrounge every penny to pay this thing off early.

As an E-2 at the time, I was picking up pennies from the ground and was barely able to afford a cell phone bill. I had the car maybe two weeks when I was contacted by SNAAC saying I had missed the months payment. I sat and spoke with them for at least 45 minutes in an effort to understand how I could possibly miss a month when it had only been two weeks and how the contract stayed the first payment would be made in October on the 18th to be exact. I was young but not mentally handicap. I stuck with my argument that my contract clearly states contradicting requirements and that my allotment had been set up in the dealership before I even drove the car. The representative had been snappy, misinforming and demanding about me owing them Septembers payment, a late fee and that octobers payment would hit on a specified day also not what my contract said. She started asking me for information on my unit as to suggest she would be taking this matter to my COC. I asked what any of that information had to do with the fact that I'm being made to pay a months car note after two weeks of having it and she went on with "we don't have any of it on file and would like to keep it updated" so I said I wasn't interested in that until the initial issue was resolved. Then, I remember it being explained as "first payment due in October but taken a month prior.

As standard procedure" from that day on, I had gotten emails from this company asking that I update my account info by either phone or online. I don't believe I entered the information until well after the calls and voicemails started flooding my phone. I deployed October of 2012 and had made someone in the rear my POA. One day, my 1SG informed me that the person had been arrested and my car had been impounded. The guy decided to go to the club with an unregistered firearm under the seat of it. I had to relieve that guy as POA and signed someone else as POA. There had been so much going on in that time that all I could think was that this car was the worse decision I'd ever made and scared that I'd hear something else about it soon. After the car was picked up from the tow yard, it was taken and parked at the barracks.

I was instructed by my 1SG to tell the new POA not to drive it. While doing so, the guy agreed to do that only after he picked his fiancé and kid up from the air port. I couldn't think of anything but to tell him he would be smart not to because it was uninsured. The sure way to keep him out of it against my request. Well, I was wrong. As I'd been contacted by a mutual friend saying they saw my car being driven even after I said not to. So I called the insurance company and told them to cancel my insurance, told the guy to give the keys to an NCO in the rear and finally, I felt somewhat comfortable knowing I wouldn't have to hear about it again.

Month five of my nine month deployment and suddenly, my chain of command starts subtly hinting that I need to pay my bills. I had automatic or allotments for anything I hadn't already cancelled so I never thought more into the situation. I return home after the 9 months and start clearing for PCS after 1.5 months of being back. When it came to shipping the car, I needed an affidavit stating my authority to take the car with me. The rep told me that it would be emailed to me so check the email I had on file. I ended up having to ctrl + A SNAAC search and found buried under 9 plus moths of emails, the notification that forced insurance was placed on the car. Once at my new duty station and settled in, I contacted them to inquire what that was..the rep summed it up with telling me they would email me and to read my contract. Days go by and no answers so I went online and emailed them to which they replied with the required info they needed from me before I could get these documents. I respond immediate with the info and days later, opened an email with no documents, nothing official to explain the insurance. The email was a paragraph typed, that showed the dates, total amount and to provide proof of insurance for the days in order to be refunded.

From 2014 to 2016 I started making extra payments in an attempt to pay off this dreaded car before my next duty station change. Sometimes, an even $500 or matching monthly payment on the principle itself. Well, just in December of 2016, I'd received an email stating that my account was in default. I called and jumped through their hoops again. This time it was either pay the remaining nearly 4K in full or it would be sent to collections as well as a supposed late/missed payment for December. In an outrage, I started asking what I needed to do to have to car voluntarily repossessed and was answered with "you've paid nearly $20k on this car and now you want to give up in payments?" Now I was completely outraged to be belittled and criticized by this person. She told me she would make a note on the call saying "due to inability to pay" so I said "no, refusing." I told her that I didn't shovel out an annual salary of my pay on a 2008 car just to to be labeled as unable. I was so angy I emailed asking for all documents on the the car, myself, account and payment history.

They replied with an attachment of my payment history and another typed paragraph on the insurance thing which now the price was the same nearly 4 grand with the subtracted amount from the allotment. I'm baffled here. I don't know what else to do and I sure as heck don't have any trust that calling them again will resolve my problem with them. My payment history doesn't even reflect the payments I made on the principle for cryin out loud. I don't have time to sit on the phone with them and play The Who will hang up first game. I've filled out a complaint form with the federal reserve consumer help. They seem to be for actual banks so I'm not sure whether it will help me or not. What I can say is thank God for bank statements, the emails, my allotment and their requirements to record all calls. I'm beyond unsatisfied, not sure how I'll ever build credit with being so afraid to put my well being at stake with trusting lending agencies. What I do know is that I won't lay down and take this maltreatment from security national. Something's got to give.