NISSAN MOTOR ACCEPTANCE CORPORATION
Consumer Complaints
There are over 1328 complaints on file for NISSAN MOTOR ACCEPTANCE CORPORATION. Dated between 2019-12-12 and 2012-08-28.
Complaints Page 37
2016-07-01
MD
Disclosure verification of debt
Debt collection: Auto
Right to dispute notice not received
Complaint: Investment retrievers claims they are attempting to collect a debt from a repossessed vehicle previously financed through Nissan Motor Acceptance. They claim the last payment ( when vehicle was sold ) was in 2012. Several issues involve this reporting on my credit report and continued attempts to collect : the creditor has not produced a written loan or loan agreement that gives the creditor a security interest in the car the loan agreement does not give the creditor a right to sue you for a deficiency after it has taken the car, and XXXX XXXX is not the same creditor that is on loan papers and it has not produced an assignment or other legal document that establishes the debt was assigned to it. The creditor is barred from collecting because they failed to provide me with required written notices, did not conduct the sale of the car in a commercially reasonable manner, and refused to allow you to reinstate the loan, the law may prohibit it from going after you for the deficiency.
XXXX claimed notices were mailed. This is n't true and I 'm sure they are producing false documentation after the fact because I have complained many times.
Per Md. Com. Law 12-626, 12-115 ; 63 Md. Op. Atty. Gen. 92 collection of a deficiency balance should not be continued from investment retrievers. I asked them to remove dispute remarks from my credit report as I 'm trying to purchase a home and can not have remarks on the report. XXXX has been asked to stop contacting me ( cease and desist ) because many things were not done correctly regarding this car repossession and I do n't owe anything to investment retrievers I was never given the opportunity to buy the car, stop repossession or notified about repossession of the car as I though car payments were deferred many laws were violated
Company Response: Closed with explanation
2016-06-30
Federal Way, WA
Problems when you are unable to pay
Consumer Loan: Installment loan
Company Response: Closed with explanation
2016-06-23
Stevenson, MD
Problems when you are unable to pay
Consumer Loan: Vehicle loan
Company Response: Closed with explanation
2016-06-23
WA
Managing the loan or lease
Consumer Loan: Vehicle lease
Complaint: Here is a letter I sent to Infiniti Financial XXXX Services ( XXXX ) describing the issue : The purpose of this letter is to petition Infiniti FS so they will consider removing the negative information they have listed on my personal credit report. As you can see ( Exhibit A ) my payment was reported 30 days late 2 months in a row in XXXX XXXX and in XXXX XXXX on my credit report for XXXX XXXX, and 30 days late to XXXX and XXXX. And no this is not just another letter from a customer who forgot to pay their bill and expects Infiniti to remove an accurate report of a late payment. Rather, there were extenuating circumstances which I will describe here : From the inception of my lease I signed up for the online interface and opted to have each month 's payment automatically debited from my account using your Autopay feature. You can scroll back through the payments as far back as XXXX, XXXX ( I purchased the car on XXXX XXXX, XXXX ) and see they were all debited online. In XXXX of XXXX I switched banks. Because there is often a delay when setting up an AutoPay account, I made sure to switch my bank account number online through Infiniti Finance in XXXX. As you can see from the attached Exhibit B, your website confirms that I added this current checking account on XXXX XXXX, XXXX.
For some reason, even though I made sure I not only added the new account but also enabled Autopay, the XXXX payment was not debited. I was not aware that this payment was late until someone contacted me from Infiniti. So on XXXX/XXXX/XXXX I authorized XXXX payments from my account, which you can see from the attached Exhibit C. I also made sure I was setup on Autopay so there would not be a glitch again. I was told that there had been some system upgrade and the representative assured me I would be OK for my future payments. I can not believe that Infiniti would go on to report my account late to the credit bureaus under these circumstances!
It gets worse though. Once again your system did not debit the XXXX payment from my account and I finally got a phone call in XXXX from Infiniti saying my account was late! I could not believe it! I made a payment on XXXX when I received the call and setup the Autopay feature again so the account debited my payment on XXXX. Imagine my surprise when I checked my credit report 6 months later and found the negative information.
Please review the exhibits I have attached so you can confirm that what I am saying is accurate. I have really enjoyed my car but the lease is up next month and the last time I was at the dealership ( 3 months ago ) to review my options, because of the negative credit info on my account from Infiniti finance I was not able to secure a preferred credit customer rate and the monthly payments they quoted me for a new Infiniti were outrageous! What a scam! At this point I am so disappointed in your unfair treatment I am going to return my lease and purchase another car brand. I feel really betrayed by the whole process as a customer who has always made her payments on time using the technology provided on your website.
[ I sent this fax on XXXX to XXXX XXXX in Infiniti Financial services after speaking with him. I then traded in my lease and purchased an Infiniti. After the lease as fulfilled, NMAC debited an ADDITIONAL payment from my bank account which took weeks to get returned. Their system is a disaster. I sent several more faxes to get this resolved. XXXX XXXX informed me that the negative info would not be removed and this info has caused me to have a lower credit score which denied me the ability to get approved financing for my new Infiniti, for my house purchase, etc. ]
Company Response: Closed with explanation
2016-06-22
Co Spgs, CO
Managing the loan or lease
Consumer Loan: Vehicle lease
Company Response: Closed with explanation
2016-06-21
South Lyon, MI
Problems when you are unable to pay
Consumer Loan: Vehicle loan
Company Response: Closed with explanation
2016-06-17
PA
Managing the loan or lease
Consumer Loan: Vehicle loan
Complaint: Nissan Motor Acceptance Corporation was informed via certified mail on XXXX/XXXX/15 that our contact information was at our home address, telephone number and email. NMAC has harassed our parents, which was not authorized as a contact point. NMAC has been instructed no contact at our place of employment and to stop contacting our parents. NMAC continues to contact our parents. We are asking CFPB to enforce the no contact to our parents about our business relationship.
Company Response: Closed with explanation
2016-06-15
Dallas, TX
Managing the loan or lease
Consumer Loan: Vehicle loan
Company Response: Closed with explanation
2016-06-14
CA
Communication tactics
Debt collection: Auto
Called outside of 8am-9pm
Complaint: On XXXX XXXX, 2016 I leased an Infiniti XXXX from XXXX XXXX, California. My monthly payments are {$370.00} which I have been paying on time to Infiniti Financial services. On XXXX XXXX I received a letter from Financial services stating that I was delinquent in one payment. Upon reviewing my records I found out that I HAD NOT RECEIVED the XXXX invoice, instead I had received a recall notice from Infiniti stating that there were some issues with the passenger airbag which could increase the risk of injury to the passanger.I DID NOT RECIVED THE INVOICE. However Infiniti Financial charged me two months " or else, My account would be deemed delinquent.On XXXX/XXXX/16 I sent the requested payments in the tyiotal amou nt of {$740.00}, check # XXXX. On Sunday XXXX XXXX, I received a couple of phone calls from Infiniti Financial collections agency. A gentleman who identified himself as XXXX XXXX, stated that " this is a call from a collection agency attempting to collect a delinquent debt ''. I explained to him that XXXX was a Sunday and very early in the morning. I also explained him that I had already made the payment and that I rejected these tactics from Infiniti. He went on demanding me to provide him with other telephone numbers I may have and confirming my address. I told him that these tactics are illegal and that I would lodge a complaint. That was the end of our conversation
Company Response: Closed with explanation
2016-06-12
Point Arena Air Force Statio, CA
Managing the loan or lease
Consumer Loan: Vehicle lease
Complaint: Last XXXX XXXX, I traded in XXXX for a XXXX, CA. The lease was not mature yet, but the dealer said they would pay it off to make the deal work. I was trading the car in early because it had a low mileage range. This worked well for my previous commute but since I was being considered for a new job that would require a great deal more driving, I needed a car that I could drive further. That day, I drove off with a new car and left the old XXXX behind.
A day or two later, the dealership called me back and asked me to come and get the old car. They told me that if they proceeded to the next level in the process it would trigger a {$400.00} penalty from the XXXX. This would happen because I turned the vehicle in early and it is an electric car that had a tax rebate associated with it at the time of sale.
I did not want the old car so I asked why they could n't keep it at the dealership. I was told that they did n't have insurance to cover it so I went and got the car to avoid the penalty. I did not drive the car the entire time it was in my possession. I was also under the impression that there was no longer a lease contract because the dealer said they paid it off. None of this was done in writing and it struck me very odd. However, the dealership did not volunteer any information about the lease contract and I did n't know enough to ask the right questions.
The next thing that happened was in XXXX of XXXX when I received a repossession letter from XXXX XXXX. This put me into a panic, so I took the car back to the dealer the next day. While I had always intended to take the car back, I did n't have a solid date and did n't understand that the lease was still in effect. I had been really busy learning a new job and traveling for business purposes in the previous months and was n't really thinking about the car. Apparently, I missed XXXX payments that I did n't realize were accruing. This is the point that I understood that the lease was still in effect.
Right around the same time, I discovered that XXXX XXXX had sent derogatory information to the credit bureaus and several of my creditors reduced my limits and my credit score has dropped dramatically.
When I returned the car, the Sales Manager XXXX at XXXX, assured me that returning the car would clear everything up. I thought that the dealership would explain what happened to the finance company and that the issue was resolved.
In XXXX XXXX, I received a letter from Nissan stating that I owe them {$990.00}. This includes 2 months payments plus penalties and other charges.
I called XXXX XXXX and told them the story. They insist that I owe the money. They said that I had to have been aware that there was a lease obligation to return the car in XXXX. I was not aware or I would have returned it. As I mentioned before, I thought the lease was satisfied by the final payment made by the dealership. They said the dealer was doing me a favor by trying to help me avoid the XXXX penalty, which they said was not the dealer 's obligation. They also said the derogatory mark will remain on my credit report until I pay.
I called the dealership and was told by the General Manager XXXX XXXX XXXX, that he knows that I knew there was still a lease because they told me they paid off 6 months for me. Again, in my mind making payments to the end of the lease meant that the lease obligation was fulfilled, the same way making a final payment on the sale of something fulfills a sale.
I would like for XXXX XXXX to erase the XXXX and restore my credit rating
Company Response: Closed with explanation
2016-06-11
Charlotte, NC
Problems when you are unable to pay
Consumer Loan: Vehicle lease
Complaint: I recently fell behind on monthly lease payments due to a financial hardship. I lost my job in XXXX XXXX and did not resume working until XXXX XXXX. I began a lease with Infiniti Financial Services in XXXX XXXX with monthly payments of {$840.00}. I do not believe I should have been assessed this high of a monthly payment by the dealership, XXXX XXXX New York.
I initially contacted Infiniti Financial Services in XX/XX/XXXX upon losing employment to let them know it was likely I would not be able to maintain the high monthly payment and to ask what options there were so I could still pay toward the balance and not end up losing the vehicle. I was told there were no options as this was a lease and not a financed vehicle.
I was able to continue making payments until XXXX XXXX and after that missed my XXXX payment. When my account was more than a month past due I received advice from a representative to call on the day my account was 45 days late and I would then have additional payment options available. I called XXXX XXXX and spoke to XXXX, who after hearing my financial troubles and reviewing my account asked if I could pay {$400.00} per month, and I stated I could pay half my current monthly obligation, {$420.00} per month. He told I would be able to do so, although that would not bring my account current it will remain 30 days late as each payment would remove 15 days and the balance due would decrease.
On XXXX XXXX I called in to speak with XXXX and was not transferred and told that employees are not permitted to transfer calls, although XXXX had given me his extension. So I asked that a message be left to call me. I called again on XXXX XXXX and was told my account was 60 days late and now being overseen by XXXX XXXX.
I was transferred to XXXX XXXX and had quite a few questions based on the previous information I was given in regards to my payment arrangement. XXXX XXXX was beyond rude and unprofessional in her tone and verbiage. She told me my only option was to pay the {$420.00} and then let her know within a few days exact dates I could pay the remaining balance on the account or my car would be repossessed. Or she said I could just voluntarily surrender it if I ca n't pay for it because its not worth the headache. She then went on to say what the previous representative had told me was null and void because that was n't the contract I signed. She also asked why I signed the contract and said she ca n't figure out why I 'm trying to hold on to the car. XXXX XXXX made remarks that there was no way I could stay in a {$50000.00} car paying {$420.00}, it was n't smart business sense and the company is losing money and I would n't expect to be allowed to stay in my apartment that rents for {$1500.00} if I only pay {$700.00}. I let her know the car is not {$50000.00}, that in fact is my balance including negative equity and fees and the value is much lower than that. She expressed frustration at my questions for clarity and when I said she was being rude remarked that I kept asking the same thing over and over again. After our conversation I was able to again speak to XXXX who assured me my payment arrangement still stood and he got approval from his manager XXXX XXXX for me to make monthly payments of {$420.00} and I was in no danger of repossession.
I chose to then contact XXXX XXXX once again to relay that message and she was yet again rude by saying she does n't know what was said as she was n't on the line with me when I spoke to that representative and so I asked why is it that she would be telling me I have everything to worry about when I 'm assured I do n't have to worry about the car being repossessed and her response was she was not going back and forth with me. I let her know she was being rude and unprofessional and her response was " I 'm sorry you feel that way '' and she abruptly ended the call by slamming the phone down and hanging up.
Company Response: Closed with explanation
2016-06-10
Dublin, OH
Managing the loan or lease
Consumer Loan: Vehicle loan
Complaint: My complaint concerns Nissan Motor Acceptance Corporation 's ( NMAC ) inept handling of my automatic ( ACH ) payments for the payoff of my XXXX XXXX XXXX. I purchased my XXXX from a XXXX Ohio dealership in XXXX XXXX, and set up the simple interest loan amortization through NMAC. After my down payment and trade in, my loan balance was {$14000.00} with an interest rate of 3.27 %, and 4-year payment schedule of $ XXXX/mo. This was to be withdrawn from my checking account in monthly periodic payments until XXXX XXXX.
Payments were made periodically and monthly in the amount of {$310.00} from XXXX XXXX until XXXX of XXXX, when NMAC, for some reason stopped using ACH as the withdrawal mechanism. I was unaware of this, as I made NO change to my checking account to withhold payments. We love the car and certainly want neither a repossession of nor a credit ding.
Today ( XXXX/XXXX/XXXX ), I got a call from an NMAC account manager who expressed concern that my account was now in default and my credit score would suffer. This is came as quite a personal and disturbing shock, causing me to feel anxiety as to how to resolve this. I told the account manager that no action or inaction on my end deserved this kind of treatment, credit downgrade, or any other impending action, despite the account manager being quite diplomatic and responsive. My bank had indicated to me that the drop of the ACH would have had to come from NMAC as they made no change to the account. This bothered me a bit all mid-morning, including the possibility of a credit downgrade, and potential auto repossession.
The account manager gave me a number and personal extension to call back to clear this up. Now, I had been making PRINCIPAL ONLY payments, since this year ( XXXX ) but for some reason NMAC was partially applying those payments to the " soon-to-be delinquent '' account. Well this is a shock and underscores the incompetent XXXX who " upgraded '' the NMAC system to the tune of {$10.00} XXXX ( nice job XXXX ).
I will supply further information to the CFPB as this proceeds forward.
Company Response: Closed with explanation
2016-06-10
Dublin, OH
Managing the loan or lease
Consumer Loan: Vehicle loan
Complaint: My complaint concerns Nissan Motor Acceptance Corporation 's ( NMAC ) inept handling of my automatic ( ACH ) payments for the payoff of my Nissan Rogue Select. I purchased my Rogue from a XXXX Ohio dealership in XXXX XXXX, and set up the simple interest loan amortization through NMAC. After my down payment and trade in, my loan balance was {$14000.00} with an interest rate of 3.27 %, and 4-year payment schedule of $ XXXX/mo. This was to be withdrawn from my checking account in monthly periodic payments until XXXX XXXX.
Payments were periodic and monthly in the amount of {$310.00} from XXXX XXXX until XX/XX/XXXX, when NMAC, for some reason stopped using ACH as the withdrawal mechanism. I was unaware of this, as I made NO change to my checking account to withhold payments. We love the car and certainly neither want a repossession of it nor a credit ding.
Today ( XXXX/XXXX/XXXX ), I got a call from an NMAC account manager who expressed concern that my account was now in default and my credit score would suffer. This is came as quite a personal and disturbing shock, causing me to feel XXXX as to how to resolve this. I told the account manager that no action or inaction on my end deserved this kind of threat, credit downgrade, nor any other impending action despite the account manager being quite diplomatic and responsive. My bank had indicated to me that the drop of the ACH would have had to come from NMAC as they made no change to the account. This bothered me a bit all midmorning, including the possibility of a credit downgrade, and potential auto repossession.
The account manager gave me a number and personal extension to call back to clear this up. Now, I had been making PRINCIPAL ONLY payments, since this year ( XXXX XXXX but for some reason NMAC was partially applying those payments to the " soon-to-be delinquent '' account. Well this is a shock and underscores the incompetent Millennials who " upgraded '' the NMAC system to the tune of XXXX ( nice job XXXX ).
I will supply further information to the CFPB as this proceeds forward.
Company Response: Closed with explanation
2016-06-09
Discovery Bay, CA
Managing the loan or lease
Consumer Loan: Vehicle lease
Complaint: I take care of the finances in our household and I have most bills on autopayments. I was informed by my husband two days ago that he received a call from Nissan Finance that our bill was past due and would be sent into collections. I told him that this bill has always been on auto-payment and I am supposed to be the contact. I could n't understand why the auto payment would have stopped ; there is more than enough money in our account to cover the amount due. My husband is currently across the country on business and said he did n't know and did n't have time to speak to them, as he is at an important business convention. I told him I would go online and look what happened. Next day I went online and tried to login with our username and password. It did not work and prompted me to reregister on the website. I attempted to reregister on the website, but I do not have our complete account number, since we have not recieved any bills mailed from them. My husband then called again and said that they had been calling again, and told him that they have a new website so we had to set up new recurring payments and now our payments are two months past due and they told him they have already but a ding on his credit report. WE DID NOT RECEIVED ANY MAIL, EMAIL, PHONE CALL OR OTHER REGARDING THIS CHANGE THEY MADE TO THEIR WEBSITE. We do n't feel that we have been given proper notice or time to pay our debt before it was put on our credit report. It would have been taken care of immediately had we just been notified. However now we have this blemish on our credit report as well as many fees for something that was not properly communicated.
Company Response: Closed with explanation
2016-06-02
Lafayette Hl, PA
Managing the loan or lease
Consumer Loan: Vehicle lease
Complaint: Nissan Motor Acceptance Corporation ( " NMAC '' ) incorrectly reported a 30-day late payment to Experian credit reporting agency for XX/XX/2015. This error of late payment is reflected on my credit report and has unjustly affected my " Fico Score XXXX '' credit score. Upon learning about this incorrect reporting, I spoke with XXXX NMAC Representatives ( XXXX and her supervisor XXXX ) on Thursday, XXXX XXXX, 2015. Both representatives referenced the account and insisted that the payment was received 30 days late. This is not correct. The payment was due XXXX XXXX, 2015 - the payment was received by NMAC on XXXX XXXX, 2015 as evidenced by the attached screenshot from my online account with them. ( If needed, I can also supply my bank statement record evidencing XXXX XXXX, 2015 as the date the amount was debited from my account. ) XXXX XXXX, 2015 was within 30 days of the due date of XXXX XXXX, 2015 but NMAC is reporting it as 30+ days late on my credit report -- this credit reporting practice is not in accordance with the Fair Credit Reporting Act ( FCRA ). Accordingly, I am requesting that the matter be corrected by NMAC immediately removing the disputed information from my credit report.
In addition to the debit from my account having occurred on XXXX XXXX, I would also like it to be noted that a technical error by NMAC was the only reason the payment was made on XXXX XXXX instead of the original due date of XXXX XXXX. NMAC regularly has " technical difficulties '' with their phone and online payment systems. Ironically, I experienced technical difficulties when attempting to contact customer service in regard to this very dispute on XXXX XXXX, 2015 -- I tried to reach NMAC at least a dozen times on XXXX XXXX, 2015 via telephone and each time was placed on hold for a few moments before being informed of " technical difficulties '' and then being automatically disconnected -- I was not able to reach anyone at NMAC until the following day.
The more important technical difficulty here, however, occurred on XXXX XXXX, 2015. When I made my lease payment on XXXX XXXX, 2015 I did so over the phone and thought it was taken care of. After making the payment I was not given any notice of error through the phone system, nor did I receive any calls, emails, or written correspondence in the days following it to alert me of this allegedly missed payment. It was not until XXXX XXXX, 2015 when I logged into my NMAC account online to make my XXXX, 2015 payment that I saw the XX/XX/XXXX phone payment had not been received. I immediately corrected the problem -- XXXX XXXX, 2015 was when the payment was made. I have evidenced this with the attached screen shot from NMAC 's own records. This payment on XXXX XXXX, 2015 was within the 30 day period of the XXXX XXXX, 2015 due date -- to report it as 30+ days late on my credit report is incorrect, unjust, and a bad business practice in violation of the Fair Credit Reporting Act. I respectfully request that you contact XXXX ( and any other credit agency to which you regularly report ) and correct it immediately and send me written correspondence confirming that said action has been taken.
Company Response: Closed with explanation
2016-06-01
Wallingford, CT
Taking out the loan or lease
Consumer Loan: Vehicle loan
Company Response: Closed with explanation
2016-05-29
South Florida, FL
Managing the loan or lease
Consumer Loan: Vehicle lease
Complaint: Unfair negative credit reporting. I initiated a 39-month lease on an Infinity JX 35 XX/XX/XXXX, financed by NMAC. I managed the payments on with an automated withdrawal from my checking account. This led to a perfect payment history with NMAC. All of my payment communications were via email. After lease end XX/XX/XXXX, I only became aware of a balance due of {$410.00} when I noted a negative report on my credit. I found out that this was a disposition fee. I was told that statements were sent to me via mail. They were sent to an old address. I inquired why I had not received any communication via email or phone, and was told that that " is not what we do ''. I understand that the Fair Credit Reporting Act requires notification of an overdue debt before a negative report is established. From my standpoint, inadequate effort was made to contact me. If all of my communication was via email for billing, my expectation was for that to continue. I also know that I checked my online account a few weeks after turning the car in, just to make sure I was n't inappropriately charged for anything. I did not see a balance due at that time.
Company Response: Closed with explanation
2016-05-28
NJ
Managing the loan or lease
Consumer Loan: Vehicle lease
Complaint: I received a notification from XXXX stating that my credit score dropped from XXXX to XXXX. When I further investigated the matter, I found out on my own that Nissan stopped withdrawing my auto pay unbeknownst to me. Apparently, I am two months behind without any notice from Nissan. I believe that they are in direct violation of the FCRA.
Company Response: Closed with explanation
2016-05-26
Atlanta, GA
Managing the loan or lease
Consumer Loan: Vehicle loan
Complaint: In XXXX, I purchased a new XXXX car and financed it through Nissan Motor Acceptance Corporation. I was planning to pay cash for the car, but chose to use the financing only because they were offering 0 % interest. I set up auto-billing for the payments tied in with my checking account and bill pay service. Starting in XXXX XXXX, I started experiencing problems with their e-bill feature tied in with my bank. As a result, I was never billed for a payment due in XXXX XXXX. In XXXX, I received a collections call from XXXX that my XXXX payment had not been received. I contacted my bank immediately to find out why. My bank confirmed XXXX had not sent the XXXX. To avoid future problems, I set up a new recurring billing directly through the XXXX website. I made a XXXX time payment on XXXX XXXX to bring the account current and attempted setting up a new recurring monthly auto-payment. In XXXX and XXXX XXXX, the payments were not drafted from my account. No written notification was sent indicating any problem ( email or paper ). No one contacted me by phone again until XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I received a call from a collections agent on behalf of XXXX informing me I was 60 days past due. The agent could offer no explanation why the auto-draft had not worked. I told him I would pay it online immediately. That same day, through the XXXX website, I paid off the entire balance of the loan to avoid any future issues. On XXXX XXXX, I pulled my annual credit reports and found that XXXX had filed my loan as 60 days late with all XXXX agencies. I contact XXXX on XXXX XXXX XXXX and asked that they correct the credit reporting since I made every effort to pay as soon as I was contacted and since the issue was with their auto-pay. The consumer relations representative told me that XXXX had called me every day during XXXX and XXXX and left me messages. I know that this can not be true. I explained to her that I received only XXXX call from them. That was in XXXX XXXX and there is no way I could possibly have been called every day for 2 months. My only phone is my cell phone ( XXXX XXXX XXXX ) and I have it with me all the time. She said the problem is clearly my fault. At that point it became clear she did not intend to offer any solutions, so I ended the conversation indicating I intended to file this complaint. I have never had a late payment on my credit report. With any other financial institution, if there is any type of payment problem, they start sending automated emails and/or text messages one day after a due date. XXXX never sent me any email, text message or paper mail notice that there was any issue with the payments. I am not sure how to provide documentation of the fact that their phone call attempts did not reach my phone but will gladly cooperate in any way I can to provide that evidence if it is possible. They claim to have left me voicemail messages. If so, they should be able to provide recordings of those messages they left from their own quality recording system. I do have an email exchange from my own Bank to show when I contacted them about XXXX first billing problem from XXXX confirming the issue was with XXXX, not with my bank 's bill pay. I have never had a late payment with any credit provider and have always resolved any issues as soon as I was contacted. I would like my credit report to corrected and the two months marked past due to be updated to good standing, since XXXX did not make a good faith attempt to remedy what was a technical glitch with their auto pay platform. My credit score was XXXX and has dropped to XXXX because of these XXXX late payments, and without correction, they will be on my credit reports until XXXX.
Company Response: Closed with explanation
2016-05-25
OH
Communication tactics
Debt collection: Auto
Frequent or repeated calls
Complaint: It 's with Nissan of XXXX 's debt collector. They just keep calling and wo n't stop either. From XXXX different numbers they have called and everytime the people are very rude and not the nicest either.
Company Response: Closed with explanation
2016-05-21
Northside, NC
Managing the loan or lease
Consumer Loan: Installment loan
Complaint: this is my second car financed through nissan finance. i took a deferred payment in XXXX 2014. they never told me they were sending me any paperwork to sign, neither did they send any. XXXX/XXXX/14 - XXXX. XXXX, male rep - i got a call my payment was late. i informed the woman i had a deferment, which she acknowledged. she told me i had not signed the papers and sent them back. i informed her no paperwork was sent to my XXXX XXXX or physical address. at the time i was visiting my daughter in another state. i asked them to send the paperwork there and to note the account nothing was ever received. I phoned them weekly no paperwork came. i believe it was a couple of months later and only after i asked the female rep. to send them certified to me did they finally arrive. i signed them, copied them and mailed them. months later and after checking my credit report I noticed they marked me for a late payment. I called to be told I had a late payment in XXXX. I believe nissan has me late for XXXX, XXXX and XXXX. I have never paid any of my payments late. when I purchased my first car i sent a payment in and received a phone call my payment was late. this payment was sent certified. it arrived on time. I did this because i noticed they were posting my payments close to the end of the grace period. upon phoning nissan i informed them they are supposed to stamp and post the payments for the date the payments arrived. I was told by a male rep. they do not do that. that is when i started paying on line which cost me an additional XXXX. I sent a letter of complaint which nissan tried to justify their actions. later received a phone call from a female in the corp. office who returned my online fees and the money i spent to send it certified. I believe nissan is still posting payments whenever they want. I now payonline and am charged an additional XXXX when i get a chance i will send a payment certified again to see if they are posting it when it arrives or whenever they feel like it. I do not like this company. I am trying to get my credit back to a good standing so i can finance through my bank. their customer service is horrible.
Company Response: Closed with explanation
2016-05-21
Muscle Shoals, AL
Managing the loan or lease
Consumer Loan: Vehicle loan
Complaint: I had a financial hardship in the months of XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and was n't able to make my car note on time. I called Nissan and told them that I would be late making my payments and wanted to know if I could get my due date adjusted. Nissan refused to do such but instead kept calling my home after XXXX up until XXXX at least XXXX times or more each day. Kept telling me you need to make your payment and I told the representative that I was having a hardship and had called to let them know and was refused payment arrangements. So Nissan put late 90 days on my credit report and now I am having a hard time getting credit to buy things that I need due to the 90 day late status on my credit report.
Company Response: Closed with explanation
2016-05-21
Arsenal, PA
Managing the loan or lease
Consumer Loan: Vehicle loan
Complaint: On XXXX/XXXX/XXXX I purchased a XXXX XXXX and financed through NMAC. For 5 years ( the length on my loan ), NMAC auto-deducted the monthly payment from my checking account. Last payment was deducted on XXXX. I assumed the vehicle was paid off and have been waiting to receive my title. On Mon., XXXX XXXX, XXXX, I received a call from a Collection Agency that my final payment was never received! They further advised that final payments are not auto-deducted and advised me of the amount due. THIS IS THE ONLY NOTICE I HAVE THAT ANY PAYMENT IS DUE. I never received an invoice or phone call from XXXX! On Wed., XXXX XXXX, XXXX I mailed a check to NMAC in the amount requested of {$290.00}. Today, XXXX XXXX, XXXX, I received an email that XXXX XXXX posted a change to my credit report because " I fell behind on payments on XXXX of my accounts ''. Please help! I have worked hard to keep my excellent credit score.
Company Response: Closed with explanation
2016-05-20
Rncho Domingz, CA
Taking out the loan or lease
Consumer Loan: Vehicle loan
Complaint: I recently tried to sell my car at XXXX in XXXX. The car loan has been paid off for several months, maybe even a year ( I ca n't remember the exact date when I paid it off ). The car was originally purchased in XXXX & the title is from XXXX. The car is currently registered in XXXX & when XXXX looked it up in the dmv system they said it still shows that the car is owned by Nissan and that they needed a notarized letter from Nissan stating that the car was paid off. When I contacted XXXX finance and asked for a notarized letter they stated that they do n't handle lien releases and that I would have to file the request through XXXX. I did exactly as I was told and after paying {$45.00} for an expedited request, I received the lien release almost 2 weeks later. The actual document is not notarized and therefore not accepted by XXXX. It looks like something I could have produced on my home computer. During my 2 week wait for this lien release I contacted Nissan again because the request was taking too long. They said they would send me a letter but it would not be notarized. At this point I am running out of options. I ca n't sell the car because Nissan is n't willing to provide a notarized letter. The car legally belongs to me, after all it 's been paid off for a while. I do n't know what else to do but this is costing me too much time and money.
Company Response: Closed with explanation
2016-05-18
Holbrook, NY
Managing the loan or lease
Consumer Loan: Vehicle lease
Company Response: Closed with explanation