NISSAN MOTOR ACCEPTANCE CORPORATION

2018-09-26

East Rockaway, NY

Problem with a credit reporting company's investigation into an existing problem

Vehicle loan or lease: Lease

Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Closed with explanation

Timely Response

2018-09-25

Oak Park, IL

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-09-22

Wallington, NJ

Improper use of your report

Vehicle loan or lease: Lease

Reporting company used your report improperly
Complaint: Visited XXXX XXXX on XX/XX/XXXX to obtain estimates on a new car lease. Spoke to a sales rep who said hes unable to give a monthly estimate without a credit check. After speaking with him and a supervisor, we agreed to a soft inquiry. I told both of them multiple times that I do not want a hard inquiry on my credit report. The supervisor said he understood and went back to his office to get eatimates. A few minutes after, I received an alert that theres been a hard inquiry. I called XXXX XXXX a week after to sort it out. One of the managers said he will send a letter to XXXX regarding them running my credit score by mistake.
Company Response: Closed with explanation

Timely Response

2018-09-22

Lewisville, TX

Vehicle was damaged or destroyed the vehicle

Payday loan, title loan, or personal loan: Title loan

Complaint: I suffered a total loss of the XXXX XXXX XXXX, XX/XX/XXXX in an accident that I was not liable for. A check for {$10000.00} was written by my insurance company XXXX on XX/XX/XXXX. I was told by Nissan, to send in a VSC Cancellation form and all of my warranty contracts such as GAP, service plan, maintenance, and tire/wheel would be cancelled. I sent in the VSC cancellation form on XX/XX/XXXX and continued to call the total loss department to see if it had been cancelled. I was told they were still processing everything and were waiting to get more documentation ( proof ) of the total loss from XXXX. I called XXXX no less than 25 times from the date of my accident until XX/XX/XXXX when they finally said everything had been taken care of theyd sent a copy of the check to Nissan ( although they had already cashed it ), police report, and salvage records proving it had been taken to auction. XX/XX/XXXX I received a call from the Total Loss department of Nissan stating I had an outstanding balance of around + {$1500.00}. They stated I had been delinquent in payment of my note for the past few months and my credit had taken several hits because of this. I was completely dumbfounded. The lady assigned to my case said I first needed to sign a document for a 30-day extension to pay the balance. Once that is approved, I needed to contact gap to file a claim. I called GAP, to file a claim around XX/XX/XXXX. They stated they needed more documentation to do so. Also, I needed to call Nissan back and have them cancel each of my contracts. I told her Id done this back in XXXX. GAP stated they had nothing to do with this and could not assist until Ids spoken with Nissan. I called Nissan the same day I first spoke with GAP to cancel any existing contracts. My Case # is XXXX. They cancelled my maintenance plan for {$210.00} on XX/XX/XXXX. I called GAP back, hoping to now file a claim to see if they would cover the gap between my contracts and what my insurance company paid for the vehicle. GAP stated I also had a tire and wheel contract, and a service plan. I asked them for the contract numbers and they claimed they could not see them, but it stated in their system I had them. I called Nissan back who stated I needed to contact the dealer where I bought the vehicle to cancel the tire and wheel. As for my service plan, they could not find it. The dealership where the vehicle was purchased, XXXX XXXX of XXXX was sold in XXXX or late XXXX after I purchased the car. It is now XXXX XXXX of XXXX. There was no way to speak with the dealer as that particular place no longer existed. Nissan looked into this and confirmed the dealership had indeed been sold. No further action was taken by them to attempt to override this and cancel the plan. I contacted Gap once again to ask them exactly what documentation was needed. They stated they needed proof of payment from XXXX with the dollar amount listed, a police report, and proof all contracts had been cancelled with the amounts listed. I told them the maintenance plan had been cancelled, but the two others Nissan was refusing to cancel for me. They once again stated there was nothing they could do until I had all three contracts cancelled. As the 30-day extension was approaching, I contacted the initial lady whod called me in the first place to inform me that this second car and balance had been sitting on my credit since XXXX. I informed her of the run around I was getting and she sympathized, as she stated she could easily see the contracts and would be willing to send me each of them I signed that evening dealing with the tire/wheel, maintenance, and service plan. She found this very strange since the department Id been having all these issues with was whod sent them to her when my car was deemed a total loss. The three documents were password protected ; XXXX is the password. I sent these documents to both Nissan and GAP on XX/XX/XXXX. I also sent the police report and proof of payment to GAP. Nissan called me on XX/XX/XXXX stating theyd received the documents but they were password protected. I called and gave the lady the password and she looked over each contract. Much to my dismay she says okay I can go ahead and cancel the maintenance plan. I was completely outdone. I stated Id received an email a month before saying it had already been done. She had no idea what she was talking about. I said I need the tire and wheel and the service plan cancelled. The tire and wheel, based on the XXXX odometer reading they should both be prorated back to the balance left as of XX/XX/XXXX. The lady on the phone tells me to go to the dealership and have them cancelled. I explain for the hundredth time the dealership was sold to someone else. She tells me I should XXXX tire and wheel contract and see if I can get a company to cancel it that way. I ask her about the service plan and she continues to mention the tire and wheel contract, completely wasting my time once again. We end the call and I am no closer to getting anything done, besides now knowing they have at least received them. My credit was not the best but I was working on it. When I bought the vehicle I have now, a XXXX XXXX at XXXX XXXX of XXXX, Id been told by XXXX if I take a copy of the lien satisfaction letter to them when I go to buy the car they should be able to run my credit as if the other is not on there. At the time I was told XXXX would be working with Nissan to get the contracts cancelled. This was not true. I did not realize until XXXX the XXXX was still on my credit and had been all this time. I am ashamed, frustrated, and can not purchase anything or move as I would like to when my lease is up as I have a second car that no longer exists on my credit. I have exhausted all of my efforts and have even attempted to speak with a manager at XXXX XXXX XXXX XXXX to rectify this to no avail. Please assist me in not only getting these contracts cancelled as of XX/XX/XXXX, but to assist me in returning the points lost on my credit score due to this.
Company Response: Closed with explanation

Timely Response

2018-09-21

Conyers, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: A LOT OF FALSE INQUIRES FROM THE FOLLOWING COMPANY XXXX AND XXXX XXXX XXXX AND XXXX XXXX XXXX AND XXXX XXXX AND XXXX AND XXXX
Company Response: Closed with explanation

Timely Response

2018-09-21

Chester, NY

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Problem extending the lease
Complaint: I was leasing a car for my daughter and lease was scheduled to end in XX/XX/XXXX. Being that my daughter had not found another car yet, I requested from Nissan if we could extend the lease. They said that we could and sent me the attached letter to sign in order to extend the lease. The form states ( in bold ) that except for the changes listed in the letter ( the rate increased to include additional taxes ) everything else about the lease would remain the same. So when I got the next bill in the mail, I ignored it, because I had been doing auto-pay from my bank for the 35 previous months of the lease and had no reason to think that it ended. Even during the lease, I would get bills like this one monthly. I then went away for a few days in the summer and when I got back, there was a message on my home phone to call Nissan. I did, and they told me that my payment was overdue and that my auto-pay had not been carried over to the lease extension. I explained to them why I had not paid the bill ( that I expected that the auto-pay would continue since the letter I got said that everything was remaining the same ) and then immediately went online to pay the bill ( {$190.00} ). A short while later, I got a notification from my credit card company that my Credit Report has been changed. I logged in and saw that where my credit report previously listed my as having XXXX (! ) late payments in 23 YEARS (! ), I now had one. Reported by Nissan. Which caused my credit score to drop by 50+ points. I contacted Nissan and begged them to remove that negative item from my report but they refused ( as indicated in their attached letter ).
Company Response: Closed with explanation

Timely Response

2018-09-21

MA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Company Response: Closed with explanation

Timely Response

2018-09-19

Ruskin, FL

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Company Response: Closed with explanation

Timely Response

2018-09-19

MA

Struggling to pay your loan

Vehicle loan or lease: Lease

Denied request to lower payments
Complaint: I have a vehicle lease with XXXX XXXX where I make a monthly minimum payment of {$320.00}. I have gone through a really deep financially hardship since XX/XX/XXXX and have been late on several payments. Also, I am new to credit and did not know that these late payments would be going on my credit reports. The dates of the late payments include : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Company Response: Closed with explanation

Timely Response

2018-09-16

Philadelphia, PA

Written notification about debt

Debt collection: Auto debt

Didn't receive notice of right to dispute
Complaint: In accordance with the Fair Credit Reporting Act, I am asking you to immediately stop all collection activities about this debt, and stop reporting it to credit bureaus. I have enclosed a copy of the Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigator 's report Please send me a letter explaining what you have done to : Stop collection activities against me Stop reporting information about the debt to credit bureaus If you've already reported the debt to credit bureaus, Provide me with the records I request.All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau 's website, consumerfinance.gov/learnmore. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protection 's website at consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document. Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at consumerfinance.gov/learnmore when they are issued. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at consumerfinance.gov. Section 623 ( a ) ( 8 ). Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). 23 Promptly modify or delete the information, or block its reporting. Section 62 Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ). Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B. Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The Consumer Financial Protection Bureau website, consumerfinance.gov/learnmore, has more information about the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 24 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
Company Response: Closed with explanation

Timely Response

2018-09-15

Southern Pnes, NC

Credit monitoring or identity theft protection services

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Billing dispute for services
Complaint: My vehicle was repossessed under unfair conditions. I was not given a replevin notice and not given the opportunity to update payments. I was hospitalized at the time of repossession and not given any notices for bill of sale and amount owed after vehicle was sold for auction. I am asking to remove the reposession from my credit report because of unfair credit reporting and unfair reporting/notices from Nissan Motor Acceptance.
Company Response: Closed with explanation

Timely Response

2018-09-11

Mitchell Field, NY

Managing the loan or lease

Vehicle loan or lease: Lease

Billing problem
Company Response: Closed with explanation

Timely Response

2018-09-07

Holiday, FL

Problem with a lender or other company charging your account

Checking or savings account: Other banking product or service

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2018-09-07

Brooklyn, NY

Struggling to pay your loan

Vehicle loan or lease: Lease

Loan balance remaining after the vehicle is repossessed and sold
Company Response: Closed with explanation

Timely Response

2018-09-04

Kingstree, SC

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: On XX/XX/2018 I went to XXXX XXXX XXXX of XXXX with a pre-approval letter that I received in the mail from XXXX XXXX. When I arrived and got with a Salesman XXXX, I advised him I only wanted to take up the offer from XXXX XXXXXXXX and I didnt want my credit to be ran with any other lender. He assured me it wouldnt be due to XXXX XXXX had already agreed to the pre-approval. He came back with a paper and asked me to sign saying I needed to sign to get the pre-approval for XXXX XXXX, so I signed. I was not aware that I was signing for them to run my credit with a series of other lenders. I discovered this by the notices I started getting in the mail a couple weeks later. When I contacted the dealership I was placed on the phone with a rude finance manager who was basically telling me he had my signature and thats what I ageeed to when that was not true. My signature was there because I was under the impression it was needed for XXXX XXXX not to get me financed with other lenders, when I specifically said when I arrived, I only wanted XXXX XXXXXXXX. They did not attempt to help at all. They threatened to call the cops and have me removed from the facility after their fianc manger followed me to my car using foul and XXXX slurs that I will not mention here. The issue needs to be addressed because I did not authorize them to process these things against my credit.
Company Response: Closed with explanation

Timely Response

2018-09-03

Plymouth, FL

Problem with a credit reporting company's investigation into an existing problem

Vehicle loan or lease: Lease

Was not notified of investigation status or results
Company Response: Closed with explanation

Timely Response

2018-08-31

Las Cruces, NM

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Company Response: Closed with explanation

Timely Response

2018-08-29

Long Beach, CA

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Termination fees or other problem when ending the lease early
Complaint: Dear Staff, I am hoping that you can assist me with XXXX XXXX who continues to bill me and does not accept my payment following the end of a vehicle lease in early XX/XX/2018. I tried to pay this bill twice and am submitting evidence of the billing and my attempts of payment. I also called the company twice to resolve the bill, and they advised me during those calls that my account is in collection and that they needed to transfer me to that section, which they said was open for calls, yet when they transferred me the recording claimed they are closed for business. I have in the past leased twice from XXXX and made a third vehicle purchase, but I now understand that if a customer is not leasing or purchasing a vehicle, simply returning a lease, they use under-handed methods of incurring finance charges as a way of gaining money from the customer. I've worked very hard to have good credit, and their practices are now requiring me to seek your help and invest time in repairing my credit. I resent that they believe they can treat customers this way. Please assist me and let me know what further information you may need in addition to the documentation I'm attaching to this complaint. I greatly appreciate your assistance!
Company Response: Closed with explanation

Timely Response

2018-08-29

Chester, NY

Managing the loan or lease

Vehicle loan or lease: Lease

Billing problem
Complaint: I'm quite disappointed with Nissan Motor Acceptance since they are reporting several lates on my credit report. Since I didn't feel these are accurate I requested statements of the months I was late perhaps payments were misapplied. The months i'm referring to is : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Company Response: Closed with explanation

Timely Response

2018-08-29

Chester, NY

Managing the loan or lease

Vehicle loan or lease: Lease

Billing problem
Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Company Response: Closed with explanation

Timely Response

2018-08-28

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Company Response: Closed with explanation

Timely Response

2018-08-27

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-08-25

Key Biscayne, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: XXXX XXXX XXXX is a terrible company. I had aXX/XX/2015 XXXX XXXX that I was financing. I was not 30 days late but was a victim of a XXXX XXXX XXXX. The repair shop reported a illegal lien against me even though I offered to pay. XXXX XXXX XXXX still took it upon themselves to repo the car even though it was paid and have XXXX up my credit with XXXX and is hindering me from getting another car and personal and business funding. Furthermore to add insult to injury they reported it late to the credit bureaus after repoing the car.
Company Response: Closed with explanation

Timely Response

2018-08-25

Milwaukee, WI

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with explanation

Timely Response

2018-08-23

Fort Pierce, FL

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Excess mileage, damage, or wear fees, or other problem after the lease is finish
Complaint: Upon termination of a 39 month lease with XXXX XXXX XXXX, the 3rd party inspection company XXXX cited excessive wear and tear of all 4 tires on the vehicle. The vehicle had been serviced exclusively by the authorized dealer to inspect, oil change and rotate tires. All completed on schedule/mileage as agreed. The vehicle was returned to the dealer with XXXX miles traveled, well below the allotted amount of the contract. We were not given access to the inspection report until a month and half later when we received a final bill for replacement of all 4 tires equaling {$1000.00}. We spoke with both the customer service representative and her supervisor XXXX XXXX to seek an explanation of the charges and to dispute the validity of the charges. We were provided the final report via email with photos of tires that showed wear but did not prove they were the tires of the vehicle we returned. In addition, attempts were made to schedule an inspection with the 3rd party company XXXX prior to returning the vehicle. An inspection was scheduled but they arrived a day early when we were not home and they could not schedule anything prior to our return of the vehicle. We were at the mercy of the dealership, 3rd Party and XXXX XXXX once the vehicle was returned. The condition of the tires were not as stated in the report. Even in the case were the tires were in a state of heavy wear as stated, we were robbed of the opportunity to find reasonable replacement at another repair facility who would charge a fair and reasonable price. We were subjected to the highest price possible without any care by the dealership & finance arm of XXXX. We feel abused by this experience.
Company Response: Closed with explanation

Timely Response