NISSAN MOTOR ACCEPTANCE CORPORATION

2016-11-11

Naalehu, HI

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
Complaint: On XXXX/XXXX/2016 a not safe cargo van was purchased from the Nissan Motor Acceptance Corporation. With it was purchased a Maintenance agreement. With resistance from the XXXX XXXX XXXX did a false cancellation request cancellation. Since we are being charged monthly for the cancelled Maintenance and receive numerous daily calls to our NO CALL number ( from XXXX to our XXXX number. We have filed complaints with XXXX XXXX XXXX XXXX ( # XXXX and # XXXX ) and the Federal Trade Commission ( # XXXX ). It appears that these agencies are protecting the Nissan Motor Acceptance Corporation.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-09

Pasadena, CA

Communication tactics

Debt collection: Auto

Called outside of 8am-9pm
Complaint: They called me at XXXX XXXX while i am laying in the hospital. He transferred me to make a payment and I was on terminal hold. Since the woke me I figured I would make the stupid payment and when I called to try and actually do it I got hung up on by XXXX different representatives. They have been hatrassing me but calling at XXXX XXXX takes it to a completely different level.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Atlanta, GA

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I have been attempting to buy out a Nissan lease since XXXX. When I tried to complete the transaction with the dealership, they said there was roughly another $ XXXX that had to be paid to NMAC with no explanation. After contacting NMAC I was told that despite being on autopay the entire lease term, they would not draft the last payment, and that I had to make it manually over the phone. There was no communication about this requirement which partially delayed the final purchase and resulted in late fees. They also charged me a fee to take the payment manually! They also noted XXXX {$700.00} from an unexplained " parking ticket ''. I told them I was unaware of any unpaid tickets and requested validation before I would blindly pay {$700.00}. I was told they had to pull a copy of the ticket from the " file vault '' and that it would take 48 hours to receive via email. It actually took about 2 weeks to receive the email, and it was not a copy of the ticket as promised, but a simple print out of the charged dollar amount that I can access online. There was no reason to wait 2 weeks for this! We decided to make a trip into the dealership to get them on the phone with NMAC and hopefully get this resolved once and for all. The agent there just put us at an empty desk, dialed the number, and left. So the dealership was no help. Ultimately, the phone agent promised again to send an actual copy of the ticket and that it would be faxed directly to the dealership within 2 hours, as well as be mailed. Nothing ever arrived. We contacted NMAC and the dealership again to complain. XXXX XXXX at the dealership finally sent a text message on XXXX with a screenshot of an email he received that at least contained a ticket #, but no copy of the ticket or proof that it was valid. We decided that the only way to validate the ticket was to do the work ourselves and go hunting for this ticket # at the local police departments and XXXX offices. After lots of time, we were told by XXXX XXXX that the ticket was in fact an error of the billing company had issued multiple duplicate bills to NMAC and that she dismissed them. This explains why the ticket was unrecognized as well as why it was so high for " a parking ticket '' as described by NMAC. So there was in fact an error, and we had to jump through hoops to prove it, instead of being treated fairly and provided with proper documentation. I called NMAC and talked to XXXX XXXX and explained the error and the dismissal. He asked me to go back and request copies of the dismissal. We requested copies but XXXX XXXX clerk told us that the original tickets that NMAC already had are the only documents. The clerk provided us with lots of additional detail to provide to NMAC, including her name and phone number, and the name and phone number of the billing company that has a credit waiting for NMAC if they would simply call to retrieve it. I called NMAC again and spoke to XXXX XXXX and explained the situation again. He told me this was not enough information for him to take any steps, and despite saying that he could see copies of the original ticket, he said I had to fax my copy of the ticket because " Anybody could just call in and say this. '' I think that 's outrageous, but I decided to send what he asked for so he will proceed. XXXX XXXX who has copies of the tickets, faxed them directly to XXXX and confirmed that they were sent. I been waited and expected to hear back but did not. I 've since been calling and leaving messages for both XXXX and XXXX but they do not answer nor return my calls. It 's now XXXX and this is still not resolved, there is no end in sight, and no one at NMAC nor the dealership is trying to resolve the issue. Meanwhile NMAC is adding lease payments and late fees onto the purchase price of a car that I should have owned in XXXX if not for their incompetence.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-06

Friendly Valley, CA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-05

Centerville Branch, GA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-04

PA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: On XXXX/XXXX/16, Nissan Finance called my home 13 times from an unidentified phone number. They did not leave any voicemails. At XXXX on XXXX/XXXX/16, I received another call from this phone number. My XXXX XXXX XXXX daughter answered the phone. The caller refused to tell her his name. He told her not to worry about and put her mother on the phone. When I got on the phone, he refused to tell me his name or the name of his company. He just kept demanding that I put XXXX XXXX ( me ) on the phone. He was n't even sure of the correct spelling of my name. I had no idea who he was and there was no way that I was verifying any information to this man and that is exactly what I told him. He proceeded to yell and scream at me, so I hung up on him. He called me back 11 times. I refused to answer the phone. I then called the number back from a different phone only to find out that it was Nissan Finance. I went through the prompts to get to their billing department and the same man answered the phone. He verified that he was the man that just called my home. I told him under no circumstances was he to call my home again. Not only did he yell at me again, but this time he decided to threaten me as well. I hung up on him once again and blocked the phone number. All of this because my auto payment was overdue. The payment was issued first thing this morning. He would have known that had he talked to like a human being. This is not the first time I 've had problems with their billing department making harassing and threatening phone calls. They called and harassed me at work over a payment that was only 3 days late. I never gave them permission to contact me at work. This kind of behavior is absolutely unacceptable and something needs to be done.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-04

NY

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-03

Conyers, GA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-26

PA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Nissan Motor Acceptance Corporation continues to call my mother-in-law at XXXX. NMAC has been instructed according to PA Law not to call my wife or I at work, and provided our home phone number of XXXX as contact for the account. No other number is valid. The harassment of my mother-in-law must stop immediately.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-26

Colfax, IN

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I leased XXXX Nissans on XXXX/XXXX/16. We then went back on XXXX/XXXX/16 with my daughter who purchased the XXXX Nissan. Was told at the time of getting the lease, the payment would be due in XXXX. In XXXX, I got the bill for XXXX of the leased vehicles and the purchased vehicle. I called inquiring about the other leased vehicle. Was told at that time, nothing had been received for financing from the dealership. I was told they would remove any late fees if they were charged. I called the dealer twice about the paperwork. Never got a call back. Then on XXXX XXXX, I got the bill for the leased vehicle with a due date of XXXX XXXX ( bill came 2 days after due date ). There were late fees assessed. I called and was told they would remove the late fees, but I needed to pay for XXXX and XXXX. I was also told I was reported the credit bureau for XXXX because I did n't pay. I did n't pay because they did n't even have the info in for XXXX from the dealership! They said they would remove the credit bureau hit on XXXX. I sent the payment for XXXX and XXXX on XXXX ( day I got the very first bill ). I inquired because at that time, the bill did n't even get to me until 2 days AFTER XXXX payment. other XXXX cars have been fine, just this XXXX car. The other XXXX I paid in XXXX no issues, and was not late. On XXXX XXXX, I get yet ANOTHER call about late payments. I had just called on 5 days earlier and was assured they were taking care of this issue! I 've been telling Nissan since XXXX I owed them money. Yes, I told THEM I owed them. But now, I 'm getting late charges and being harassed about payments. The paperwork was late from the dealership. This was not an error on my part.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

Ladson, SC

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-21

VA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: On XX/XX/2016, my vehicle was taken by a recovery service. When I contacted NMAC, at first they did n't even know it was taken. I was on the phone, being bounced around for at least an hour. When I did speak with someone, I was told twice that I was only one month behind and my car should n't have been taken. The 2nd gentlemen said that the reason for the seize was because I made my payment on a Saturday and the system was n't updated in time. However, he said that 's my problem and I had to pay {$1200.00} plus fees to get my car back. I know for a FACT that there are customers three or more months behind that still have their cars. I also know that NMAC plays these games with customers with newer cars because they get more money. I admitted that I was behind due to medical issues and offered to pay on the spot. The gentleman said no and would not allow me to speak to a manager. No less, that it 's hard to understand the customer service reps due to a language barrier. I have been with NMAC for two years and it has been one issue after another. Hopefully corporate and my lawyer can help.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-20

Okc, OK

Managing the loan or lease

Consumer Loan: Vehicle lease

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-18

Black Jack, MO

Disclosure verification of debt

Debt collection: Auto

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Newark, NJ

Disclosure verification of debt

Debt collection: Auto

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-14

Ocklawaha, FL

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: Hello, My name is XXXX XXXX. We ( my spouse and I ) are retired. I believe that the cardealership wherewe purchased a car ( XXXX XXXX and NISSAN MOTOR ACCEPTANCE CORPORATION, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ) has misleadus by financial misrepresentation which may make the car purchase costus more thanwe believed it would. 1. While negotiating with the salesman, on the phone and E-Mail, our understanding was that : a ) The discounted sale price of a XXXX can be achieved only if the car is not paid by cash but by going through the dealership 's financial department. b ) The agreed upon discounted sale price ++ ( bottom line of {$35000.00} ) will not be affected by financing the initial purchase.We can " PREPAY THE LOAN '' without penalty or any other charges. 2. The loan officer was going through the paperwork very fast and coerced us to sign an agreement that we were not given enough time to understand. 3. When we took the car home and went through the financial contract we found out that : a ) The loan term is 72 months b ) The ANNUAL PECENTAGE RATE is 4.65 % c ) The amount of Payments is {$560.00} d ) Monthly beginning on XXXX/XXXX/2016 Is there anybody that can help us in this matter? Please let us know. Respectfully, XXXX and XXXX XXXX, XXXX, XXXX XXXX FL XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-10

Fort Worth, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Nissan Motors Acceptance is reporting that a loan I paid off years ago is currently 30 days past due. The account never missed a payment ( as shown on my XXXX report ) and does show a current balance of {$0.00} but for some reason they are showing the current status as over 30 days past due which is causing it to appear as a derogatory account on my credit. The status codes are not possible with the account status and needs to be corrected ASAP.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-09

CO

Problems when you are unable to pay

Consumer Loan: Vehicle lease

Complaint: My husband is constantly getting phone calls from his cell phone and his work phone from these people trying to contact us about our car payment. We know we are behind but we are doing the best we can to catch up
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-06

Birmingham, AL

False statements or representation

Debt collection: Auto

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-02

Delaware, OH

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-29

FL

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: You have failed to respond to a certified letter date XX/XX/2016. This lease was closed and paid for and NOT included in my bankruptcy. I gave you the opportunity to investigate this error within the allotted time frame. You are now in violation of the Fair Debt Collection Practices Act and liable for willful noncompliance as per FCRA 623 ( a ) ( 3 ) ( false or misleading representations [ 15 USC 1962e ]. As you have now violated federal law, by not properly investigating within the required time-frame, and I have of such, via certified mail receipts, you must now remove the item. Your failure on your behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX XXXX, FL Courthouse in order to defend yourself.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-28

Rib Mountain, WI

Managing the loan or lease

Consumer Loan: Vehicle lease

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-26

Gastonia, NC

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-21

Garrett Park, MD

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: There were XXXX unauthorized transactions made by XXXX of my family member [ by accident ]. I helped a Nissan employee [ XXXX ] from collection department locate the vehicle, and that employee promised that she 'd issue a refund check for me. After Nissan found the vehicle, no one contacts me back, and that employee never returns my calls. On XXXX/XXXX/2016, I called again and talked to XXXX [ XXXX for 23 minutes ]. She told me that it is the money that the customerXXXX owed to Nissan and can not refund meXXXX the money. She said I 'll need a police report otherwise, they can not refund me. It should be noted that I do not have any account with Nissan and never purchase any vehicle from the company. I obtained this info from XXXX and Nissan [ after they added me as authorized user so they could share the main account holder info with me on the phone ] Nissan Acc # XXXX Transaction # obtained from XXXX 1. # XXXX XXXX/XXXX/2016 {$1200.00} 2. # XXXX XXXX/XXXX/2016 {$1500.00}
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-20

Colts Neck, NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Company Response: Closed with explanation

Disputed: No Timely Response