Security National Automotive Acceptance Company, LLC Consumer Loan Complaint

Security National Automotive Acceptance Company, LLC Consumer Loan department,

Vehicle loan Managing the loan or lease Illinois

Yesterday -/-/- - MST I sent the following email to - - 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 - -, VP of Compliance department and that he will note my request for - - to contact me only via email. However, he said I could not have - - 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 : " - -, Thanks for the statement. My wife requested this on Friday -/-/- when she spoke with - but we never received it after she claimed she 'd send it right away.


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 - -, 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 - 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 -/-/- - 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 - 's notes are in the system! I also need a resolution for this matter. $110.00 repo fee $60.00 NSF - from -, - -, - - $28.00 late fees for - Please, address all of my above-mentioned concerns. Kindly, - - -, - '' I would like to add that SNAAC DID in fact contact superior, - ; they made good on their threat. SNAAC has humiliated me and has refused to handle account concerns dating back to -, not to mention their deviations with my payments. I was financed for a little under $ -, and a year later my balance is over $ -! Mind you, monthly payments are $560.00. When CFPB asks, " Which of these best describes your issue?, '' I 'm only allowed to select -, 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.