NISSAN MOTOR ACCEPTANCE CORPORATION CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
06/18/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 79938
Web
Todays date : Friday, XX/XX/XXXX XXXX XXXX, XXXX, My XXXX daughters, and I went to XXXX XXXX, XXXX XXXX, XXXX XXXX, Texas XXXX. I was a customer since XXXX. XXXX XXXX for a XXXX XXXX XXXX XXXX =VIN # XXXX ; Texas plates # XXXX, monthly payments set at {$290.00} ; however, payments were made over that set amount for three years. XXXX XXXX for a XXXX XXXX XXXX XXXX, VIN # XXXX ; Texas plates # XXXX, and monthly payments set at {$290.00} ; however, payments were made over that set amount for three years. Upon taking the vehicles for their second scheduled maintenance ( about a year later ) on separate days, we discovered that the license plates for the XXXX XXXX belonged to the blue vehicle and vice versa ( pages 7-8 ). It shed light that XXXX XXXX was really under the blue vehicle, rather than the red, and XXXX XXXX was really under the red vehicle, rather than the blue. In short, after trying to remedy all the confusing, the finance person who did the paperwork rudely told us to exit his office and stated that it didnt matter if the records/contracts were wrong because the girls were sisters, lived in the same house, and stated that, XXXX XXXX XXXX XXXX was the owner of the vehicles anyway. It was an offensive response. The maintenance reports were eventually changed to reflect XXXX on the XXXX XXXX ( page 8 ) as known she was the lessee of the red vehicle. After a plethora of evidentiary and well-noted attempts to have XXXX XXXX fix the contracts, I sought the XXXX to get XXXX XXXX to fix the contracts. XXXX XXXX told me we needed to wait until the leasing maturity date, XXXX XXXX, XXXX, so they s could fix the contracts. I didnt agree, but they remained adamant about their decision. Reasonably, the chaos affected the payments, and theres plenty of record of that. Moving forward XXXX XXXX, XXXX a voicemail from a XXXX XXXX , XXXX coordinator, as he identified himself, left a message stating that on XX/XX/XXXX, XXXX received the last payment of {$390.00} for the ( unspecified ) XXXX. Moving forward XXXX XXXX, XXXX, although we argued and showed using my daughters cell that today was the day we needed to return the vehicles, Sales Manager Mr. XXXX XXXX alleged we were early, alleged that the maturity date was XXXX XXXX, XXXX, trying to contradict our proof. I asked he give it to me in writing, and he handed me a paper. I told Mr. XXXX XXXX, a car salesman who Mr. XXXX XXXX called upon, that he was a witness to what Mr. XXXX XXXX was alleging. Mr. XXXX XXXX added that if we returned the vehicles on this day that we were required to pay roughly about {$550.00} for each car alleging early termination. We were/are in a global pandemic, and Mr. XXXX XXXX refused to call Nissan Infinity/ NMAC ( Nissan Motor Acceptance Corporation ) to verify the maturity date even though we showed him the proof. Nonetheless, Mr. XXXX XXXX stated XXXX would receive a {$300.00} refund for over-payment on the XXXX XXXX. On a separate occasion from XXXX XXXX, XXXX, Nissan Infinity/NMAC verified both accounts were complete, in good standing, and that XXXX would receive a {$300.00} refund through the mail for overpaying on the XXXX XXXX. Moving forward XXXX XXXX, XXXX, a XXXX XXXX application for the red XXXX XXXX XXXX was drawn up. Mr. XXXX XXXX placed my name as if I wanted to be the buyer, which I was not in agreement. Why not use the real lessees name to sell her the vehicle she had been paying for? Frustrated and stressed, I questioned Mr. XXXX XXXX why he was also changing the mileage- XXXX difference between the XXXX and the XXXX XXXX application. His response was far-fetched, so I requested he give me a copy with his original signature on it. I also questioned why he didnt write the truth that XXXX complied having the red vehicle for 3 years, as he wrote 2 years and 11 months, and suggesting on the XXXX XXXX application that the XXXX XXXX was being sold from the lot when it wasnt. It is reasonable to state that Mr. XXXX XXXX wanted to continue alleging XXXX returned the red lease a month early. He did not want to fix the records that XXXX had been the lessee all the while. XXXX XXXX had previously alleged they would fix the contracts upon the maturity date, XXXX XXXX, XXXX, but they didnt. XXXX XXXX, XXXX, other management in the front office with another salesman, and XXXX XXXX re-appraised the blue XXXX XXXX for the second time since XXXX XXXX, XXXX ( Residual Value {$10.00}, XXXX, page 7 ). This management also went along with the charade that the maturity date was XXXX XXXX, XXXX ( compare page 7 with 9 ), and alleged an early termination fee of exactly {$540.00} ( page 7 ). Although the document shows XXXXs name on it, they didnt direct their dialogue to her, as known, XXXX was not the real lessee of the XXXX XXXX XXXX as alleged on their XXXX lease contract that they were supposed to fix no later than XXXX XXXX, XXXX. On this same evening, Mr. XXXX XXXX approached me outside of the building. He became very aggressive and spoke irrationally. Not only did Mr. XXXX state that the XXXX XXXX application had not been processed/submitted, he alleged very alarmingly that XXXX XXXX was going to repossess the XXXX XXXX. He said a tow-truck would be picking up the vehicle from my home. To end his dialogue, I told Mr. XXXX to cancel the unprocessed XXXX XXXX application ( this harassment was a breaking point ) and that I would deliver the XXXX myself. I assured him there was no need for a tow-truck. Ultimately, at the end of this late evening, XXXX XXXX management and the other salesperson had no other option but to honestly accept the XXXX XXXX XXXX on this day. After leaving, I called my then XXXX XXXX ( about XXXX XXXX and spoke to a XXXX XXXX ) to remove the XXXX XXXX and my daughter, XXXX, from the policy. The XXXX calls are recorded for quality assurance. ( Note : I did not allegedly go and just toss the keys to any vehicle as later alleged by Mr. XXXX in an email. Note : Email of XX/XX/XXXX : 5 months later ) XXXX XXXX, XXXX, Per the XXXX XXXX website itself, no loan application. XX/XX/XXXXXX/XX/XXXX, Still, as of latter of XXXX XXXX, XXXX, no loan application appeared. XXXX XXXX people, management, and including Mr. XXXX re-verified ( and in writing ) that no XXXX XXXX, XXXX, XXXX XXXX contract was in place. XXXX XXXX management had the XXXX XXXX in their possession by this time, but Mr. XXXX desperately kept texting on XXXX XXXX, XXXX. He texted asserting they were going to drop off the vehicle at my home. I told him he was not allowed on my property. He wrote back, I will leave it by the curb. He claimed his manager was aware. I advised I would not be responsible, that it would be an abandoned vehicle, that XXXX XXXX had inspected the vehicles and had possession of them, Nissan Infinity was aware we would return the vehicles at XXXX XXXX, that XXXX XXXX, XXXX was the real maturity date, that they were trying to force sales upon us, that the next day was the XXXX -the date they were trying to allege the cars were due when they know that not to be true, that I would call the news and show them the paper work and how the license plates were changed, that the mileage was being reported incorrectly, that we had the cars for XXXX years yet they were not reporting that, that they had too many lies, and finally that we paid with great sacrifice, that it wasnt cheap, and now that they were trying to take advantage of us. Mr. XXXX did not respond to my text message after that. Thereafter, I kept receiving letters ( more than once ) alleging that I had not returned the vehicles or anything of the matter. I called Nissan Infinity/NMAC and they said XXXX XXXX had yet to report on the leases. My emails to XXXX XXXX and affiliates questioning the vehicles went ignored. Reasonably, the stressful situation was not conducive to my well-being. XXXX XXXX, XXXX Mr. XXXX XXXX XXXX XXXX , from finance, texted to please call him. XXXX XXXX, XXXX I returned his text message with an email. He responded through text, Is this the same email you sent to XXXX XXXX, one of the Sales managers at XXXX XXXX? I confirmed stating I needed answers to my questions. Mr. XXXX XXXX XXXX texted he would get back to me, but he did not. XXXX XXXX, XXXX a XXXX XXXX car loan appeared on my credit report. Overwhelmed and stunned, I emailed again to no avail. The following shows one of the emails I sent. -- -- -- -- From : XXXX ( XXXX ) To : XXXX ; XXXX ; XXXX ; XXXX Date : Tuesday, XX/XX/XXXX, XXXX XXXX MST I still see the XXXX XXXX XXXX XXXX on my credit report. You are still trying to force a sale. Send me what you sent XXXX XXXX demonstrating the date. I have the right to know. In addition, I have yet to receive the answers to the previous emails I sent you all of which I am entitled to receive since you reported that on my credit report. On XX/XX/XXXX, I told Mr. XXXX XXXX in person to cancel the contract as he became very aggressive. On XX/XX/XXXX, my daughter and I made it known to Mr. XXXX XXXX to cancel/ void the contract of XX/XX/XXXX. Mr. XXXX responded there was no contract to cancel. Send me the information that I requested. I am requesting arbitration before you steal the vehicle as I feel that is what you are trying to do. I received several messages that we have not turned in the vehicles when we had, etc ... that is why I sent my emails. I also have video that we did turn in the vehicles in case you try to allege that I kept them. You have video as well, as the business has surveillance. Send the requested information. In addition, if all is legal, you will not object to sending me what I previously requested from Nissan Motor Corporation that answered you all have that information. A copy of the records in entirety as follows : 1. Showing the leasing status of both vehicles as of XX/XX/XXXX 2. Showing the leasing status of both vehicles as of XX/XX/XXXX 3. Showing the leasing status of both vehicles as of XX/XX/XXXX 4. Showing the leasing status of both vehicles as of XX/XX/XXXX 5. Showing the leasing status of both vehicles as of XX/XX/XXXX 6. Showing the leasing status of both vehicles as of XX/XX/XXXX 7. Showing the leasing status of both vehicles as of XX/XX/XXXX 8. Showing the leasing status of both vehicles as of XX/XX/XXXX 9. Showing the leasing status of both vehicles as of XX/XX/XXXX 10. Showing the leasing status of both vehicles as of XX/XX/XXXX 11. Showing the leasing status of both vehicles after XX/XX/XXXX to the present. 12. Showing when XXXX XXXX reported having received/ possession of the leased vehicles with the mileage of each respectively. You should be able to send me this information today. XXXX XXXX -- -- -- -- -- My emails went unanswered. I continued to get letters that we had yet to return the vehicles when XXXX XXXX already had the vehicles in their possession. The situation took a stronger toll on my health. I decided to finally file a report with the XXXX XXXX XXXX to find some type of relief. XX/XX/XXXX, I submitted my complaint to the local XXXX XXXX XXXX reference XXXX XXXX : inaccurate credit reports, an unwarranted car loan application ( XXXX XXXX ) forced by XXXX XXXX, and stemming from our loan experience dealing with two XXXX XXXX XXXX leases from XXXX XXXX, XXXX wherein they never corrected their XXXX contracts at the end of the maturity date, XX/XX/XXXX, like they said they would. XXXX XXXX representatives responded, Respondent agrees that Consumer is being reasonable and fair, and the Company desires to resolve this as soon as possible to relieve the stress of this transaction and make things right. To finally accept, I replied to their responses as follows, In light of everything, the following five items deserve merit : 1 ). Respondent will request that the credit reporting agencies remove the inquiry submitted to XXXX XXXX that is currently showing on the Consumer 's and her daughter 's credit reports- Yes, remove all inquiries from my credit report and my daughter XXXX credit reports ; ( 2 ). Respondent will unwind the refinance/purchase that took place in XXXX I do not know what unwind means in financial terms, and I do not want to assume. What I understand is yes, remove the XXXX XXXX application/contract as no loan should appear whatsoever ; ( 3 ). Respondent will ground the two leased vehicles and complete the return process- I do not know what ground means, but yes, the two leased vehicles were turned in a long time ago, in good condition, and I want a copy that the return process is complete on both leased vehicles ; ( 4 ). Respondent should remove all negative claiming late payments from the credit reports in entirety from both of my daughters ( XXXX and XXXX ) to include myself. It should reflect as good standing. In support as to why all this negative should be removed from our reports is that I did not receive the following records as I requested on several occasions which are very pertinent and the nucleus above all. As Mr. XXXX wrote, We will diligently pursue the removal of inquiries and potential negative information. I feel confident that we will resolve this to your satisfaction. I concluded that since Mr. XXXX kindly wrote, We will diligently pursue the removal of inquiries and potential negative information. I feel confident that we will resolve this to your satisfaction that I was accepting. XXXX XXXX accepted my final resolution as on the XXXX report illustrates, no rebuttal to my final more than reasonable resolution. XX/XX/XXXX, Mr. XXXX XXXX, XXXX XXXX Director, wrote, " We are working to get you all the information you are requesting, my question is if you still wanted to keep the loan on the refi of the XXXX with XXXX XXXX or did you want me to call them and reverse the contract. I want to fix everything for you as soon as possible. I wrote back that there shouldnt be any loan whatsoever on our credit reports as we were completely done. XX/XX/XXXX I wrote to Mr. XXXX, Mr. XXXX, and Mr. XXXX as I had not heard or seen any results. I reiterated Mr. XXXX email and questioned if anyone had already called XXXX XXXX to reverse it. I also informed that my daughter had yet to receive her {$300.00} refund, questioned the status on the credit reports, and that Id appreciate they stop the marketing messages as I wasnt buying anything. XX/XX/XXXX, Mr. XXXX replied that the check was on its way, that hed look into the marketing, and wrote, We are working on the credit report correction and alleged he needed 2 pieces of proof of residence from me and my daughter. Baffled since it didnt make sense, I inquired with people who are very familiar with the credit reporting business ; more than one verified that the unusual request was not necessary to pursue the removal of inquiries and potential negative information as the deeds were done. They questioned, How did they report you three to the credit bureaus to begin with if they want to go that illogical route? As a result, I responded to Mr. XXXX that no more information was needed as how did XXXX XXXX do it to begin with? Why ask for more to undo whats been done already? I rationally requested Mr. XXXX to reveal what was he saying, and who he was talking to that was requesting now additional like utility bills and other photos. I questioned how that was contingent to correcting what was already done. Rather than answer my valid questions to reach the end goal, Mr. XXXX surprised me with a distressed response that one of his managers alleged I just walked into XXXX XXXX and tossed the keys. Reasonably, I requested to know which manager made such allegation with date and time, but Mr. XXXX response kept going another direction. I still deserved an explicit explanation as to how utility bills and photos were contingent to undo what was already done. Ultimately, I still sent my residence verification statement to try to reach the end goal stating that yes, my XXXX daughters and I used to live at XXXX XXXX # XXXX, XXXX XXXX, Texas XXXX, for many years, a long time ago, that nobody else lived with us, and we never lived on XXXX XXXX either. It is obvious we no longer lived there ( as they know ). I was a XXXX XXXX customer since XXXX. I financed a brand new XXXX XXXX XXXX through Nissan Infinity/ NMAC . After paying off the XXXX, my daughters and I were able to finance the two brand new XXXX XXXX XXXX through them as well. XXXX XXXX reviewed our information again on XXXX XXXX, XXXX and on XXXX XXXX, XXXX, to include updating references. In summary, XXXX XXXX did agree to my final resolution which was extremely more than reasonable, but they did not live up to the reasonable expectations/resolution ; the result was not and is not to our satisfaction. They only complied with one item -the {$300.00} refund for the XXXX XXXX. It was sent through certified mail. It arrived and was cashed without providing any type of utility bills and/or other photos ( page 10 ) -the idea is illogical. The XXXX XXXX was not removed. Our credit reports are still being affected, as they did not remove the alleged XXXX XXXX late payments/ potentially negative information/ alleging collections. They continue to report XXXX as still owing a last monthly payment that seems to indicate for the XXXX XXXX and that I allegedly owe {$78.00} that seems to indicate for the XXXX XXXX, but it is unverifiable. We do not owe anything, most especially as XXXX XXXX kept changing records to their advantage, they did not fix the XXXX contracts like they claimed they would do no later than XX/XX/XXXX which they never did not to mention driving around with the wrong plates, no proper credit reporting as it is unverifiable, they tried to allege a different maturity date to force sales and evade from correcting the XXXX contracts, letters claiming that the vehicles had not been returned when they already had, and making such claims during a pandemic time, the unwarranted car loan application with inconsistencies, too many things. Had we owed, they would not have refunded the {$300.00}, among other things. When I requested their history of the XXXX car payments, they did not send an official registry. They sent an XXXX spreadsheet on white typing paper without the pertinent information that belongs in a financial registry. Attaching a copy of an uncorrected XXXX contract is not verification in many ways like I wrote back informing them. That is not acceptable. In summary, there are no genuine issues of material fact herein. Respectfully speaking, I am not an attorney like Mr. XXXX, and I am not claiming to be one. I am a consumer and a parent looking after/advocating for my XXXX daughters, myself, and other consumers who may fall prey to such business practices. XXXX XXXX needs to answer the following questions for transparency as well. I am requesting they not imply by attaching a copy of the contracts they needed to fix no later than XX/XX/XXXX to begin with, which they created to become not lessee verifiable either : A. ) Which vehicle or vehicles is/are XXXX XXXX and its affiliates reporting and/or reported to the credit bureaus, to include allege ( d ) dates that my daughter XXXX was supposedly late on payments? Respectively, state the Vin # ( s ) next to the vehicle color ( s ) separating each entry with respective dates for transparency and to avoid any possible misrepresentations. B. ) Which vehicle or vehicles is/are XXXX XXXX and its affiliates reporting and/or reported to the credit bureaus, to include allege ( d ) date that my daughter XXXX supposedly owes one last payment? Respectively, state the Vin # next to the vehicle color for transparency and to avoid any possible misrepresentations. Include the alleged amount. C. ) Evidence shows XXXX XXXX and its affiliates are using/used XXXX and XXXXs credit for both XXXX Sentras. XXXX XXXX needs to show and explicitly state what they are using to do/done this. D. ) Which vehicle or vehicles is/are XXXX XXXX and its affiliates reporting and/or reported to the credit bureaus, to include allege ( d ) dates that my daughter XXXX was supposedly late on payments? Respectively, state the Vin # ( s ) next to the vehicle color ( s ) separating each entry with respective dates for transparency and to avoid any possible misrepresentations. E. ) Which vehicle or vehicles is/are XXXX XXXX and its affiliates reporting and/or reported to the credit bureaus, to include allege ( d ) date that I, XXXX, was supposedly late on payments? Respectively, state the Vin # ( s ) next to the vehicle color ( s ) separating each entry with respective dates for transparency and to avoid any possible misrepresentations. F. ) Which vehicle or vehicles is/are XXXX XXXX and its affiliates reporting and/or reported to the credit bureaus, to include allege ( d ) date that XXXX XXXX, supposedly owe {$78.00}? Respectively, state the Vin # next to the vehicle color with the date for transparency and to avoid any possible misrepresentations. G. ) Please state the purpose for the {$300.00} refund. Which vehicle or vehicles is/are CXXXX XXXX and its affiliates reporting that money under. Respectively, state the Vin # next to the vehicle color with the reason for transparency and to avoid any possible misrepresentations. H. ) Please provide the complete and official financial registries for both XXXX Sentras without editing and having the pertinent information identifying both vehicles respectively. Each registry should contain the respective names, the account number ( s ) associated with the respective vehicle ( s ), the vehicle information such as the respective make/model and Vin number ( s ), the color identifying the vehicle, the amounts, and dates. It needs to be transparent and to avoid any possible misinterpretations. A copy of the XXXX lessee contracts are not valid, not verifiable, as they were not fixed no later than XX/XX/XXXX to begin with. They are not lessee verifiable either as they placed/switched the names ( wrong ) on the contracts.
09/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33320
Web
INFINITI FINANCIAL SERVICES REFUSED TO COMPLY AND CORRECT THE LEDGER INACCURACIES BEEN REPORTED FROM XXXX.THEY SHOULD BE HELD ACCOUNTABLE FOR THE WAY THEY MISHANDLED THIS ACCOUNT POORLY, AND WAS DISGRACEFUL TO THE CONSUMER WHICH IS ME.THERE WAS NO CORRECTION FROM INFINITI FINACIAL AFTER THE FRAUD REPORT DISPUTING THE BALANCE STILL REFLECTING OVER {$19000.00} AFTER SALING THE VEHICLE FOR OVER {$36000.00} PLUS ALL DEPOSITS AND PAYMENTS RECEIVED ON THE ACCOUNT.NEVER REMOVED THE ENTIRE TRADE LINED OR RESPINSE BACK TO THE FRAUDULENT UNAUTHORIZED INVOLUNTARY REPOSSESS CHARGES THEY COSTED ON THEM SELF NOT US, AS THEY STATED THEY WOULD WITH ALL 3 CREDIT COMPANIES.I PROVIDED ALL OF THE PAYMENTS INFORMATION AS WELL.PLUS THE AMOUNT INFINITI FINACIAL SERVICES STATED THEY ACTION THE VEHICLE FOR WAS WAY MORE THAN THE LEASE RESIDUAL BALANCE OF $ XXXX.THE TRADE LINE STILL NOT REMOVED, AS THEY STATED FROM ALL 3 CREDIT BUREAUS WITH CORRECT XXXX BALANCE OWED.THEY REFUSED TO ASSIST ME IN REQUESTED PROVED FROM INFINITI FINANCIAL SERVICES FOR THE EXACT AMOUNT THEY SOLD THE VEHICLE FOR MINUS ALL THE 9PAYMENTS RECEIVED.PLUS, ALL THE {$2500.00} AT SIGNING XX/XX/XXXX SHOULD BE SUBTRACTED FROM THE LEASE VEHICLE AMOUNT AS RECEIVED XXXX/XXXX. THE ENTIRE REPORTED LEDGER IS INACCURATE FROM THE BALANCE BEEN REPORTED NOT ACCURATE AT ALL, LATE MARKERS DUE TO WRONG DUE DATE THAT WAS NEVER CORRECTED BACK TO XX/XX/XXXX AS PER XXXX XXXX IN INFINITI CORPORATE OFFICE DATED XX/XX/XXXX, XXXX AND AFTER THEY WENT BEHIND HER BACK AND INVOLUNTARY PICK UP VEHICLE AFTER WAS PROVIDED REF # TO SALE THE VEHICLE TO INFINITI ON XXXX XXXX XXXX AND ME HAVE DISPUTED THIS ITEM MULTIPLE TIMES SO THAT THEY CAN HAVE INFINITI FIANCIAL SERVICES FURNISHED THE CORRECT REPORT OF THE RETROACTIVE DUE DATE SHOWING THE CORRECT DUE DATE OF XXXX OF EACH MONTH, THEY REFUSED TO COMPLY.THEIR LEDGER STILL WAS BEING CALCULATED FOR THE XXXX OF THE XXXX.THAT WAS SUPPOSED TO BE REFLECTED AND RETROACTIVE BACK TO XXXX AS 1ST PAYMENT DUE DATE.ALSO, GOING FORWARD THE PAYMENTS WAS ON THE XXXX OF THE MONTH.NOTHING WAS SUPPOSED TO BE ON THE XXXX OF NO MONTH.THAT WAS CORRECTED AND ADDRESS MULTIPLE TIMES BY THE FINANCE MGR XXXX XXXX XXXX XXXX BEEN CONTACTED THE XXXX INFINITI COMPANY DIRECTLY AND EMAILED THEM ABOUT THE CORRECT DUE DATE FROM XXXX.ALSO, THE FACT THAT ALL OF THE LEDGER BALANCE IS STILL INACCURATE AS WELL WITH ALL THE FRAUDULENT CHARGES, LATE FEES, INACCURATE FINANCES CHARGES, REPOSESS FEES WHICH MUST BE TAKEN OFF.XXXX XXXX DOCUMENTED THAT SHE WAS TAKEN OVER THE ACCOUNT FROM XX/XX/XXXX TO RETROACTIVE BACK EVERYTHING AND ALL PAYMENTS BACK TO THE XXXX THE CORRECT DUE DATE FOR XXXX PAYMENT.XXXX XXXX STATED THEY DID NOT FOLLOW ANY COMPANY PROCEDURE AND READ HER NOTES OF WHAT SHE IN THE CORPORATE OFFICE OF INFINITI WAS DOING.THEY WENT BEHIND HER BACK AND PICK UP THE CAR AS INVOLUNTARY REPOSSESS WHICH IS FRAUD. THERE WAS A REFRENCE # GIVEN ON XX/XX/XXXX @ XXXX TO ME AND THE DEALER GIVEN US PERMISSION FOR THEM TO PURCHASED BACK THE VEHICLE AND ALL THE CORRECTED PAYOFF AMOUNT WAS PROVIDED TO THE FINANCE MGR XXXX XXXXYET THEY REFUSED TO CONTACT US THAT THEY ARE COMING TO GET NO VEHICLE TO HO TO ACTION TO SELL FOR LESSER MONEY OF THE {$42000.00} INCLUDING THE REBATES THAT WAS ON THE CONTRACTED TRADED AMOUNT FOR THE VEHICLE IN QUESTION.I AM NOT LIABLE FOR THIS ACCOUNT ANYMORE SINCE IT WAS SIGNED OVER TO INFINITI OF XXXX XXXX BACK AS A TRADE IN AND THE INFINITI BANK WAS AWARE OF ALL THE PROCESS.FURTHERMORE, ALL THE LATE FEES, INACCURATE INTERESTS AND REPO FEES MUST BE TAKEN OFF AS WAS TOLD TO ME WHEN CALLED TO DISPUTE ALL THE FRAUDULENT CHARGES STILL SHOWING.XXXX IS MORE THAN AWARE THAN ALL OF THE FRAUDULENT REPORTING IS NOT CORRECT AND REFUSED TO HELP ME TO GET THIS REMOVED COMPLETELY OFF MY CREDIT. 1ST THEY REPORTED A LEASE AMOUNT OF {$38000.00} TO THEM.PLUS OVER 8PAYMENTS MADE OF {$990.00} PLUS 1ST INTIAL LEASE 1ST PAYMENT AS WELL XXXX.THEN THEY CLAIMED THEY ACTION THE VEHICLE FOR OVER {$36000.00} EXLCUDING ALL OF THE FRAUDULENT UNAUTHORIZED CHARGES THAT I AND THE DEALER NOT LIABLE FOR. HOW THE XXXX THE CONSUMER MUST STILL OWED OVER $ XXXX.DOES THIS SEEMS LIKE XXXX DOING THERE JOB AT ALL ARE TRYING TO ADDRESS THIS FRAUD REPORTING.ITS SIMPLE MATHS RIGHT INFRONT OF THERE EYES.YET, THEY REFUSED TO STEP UP LIKE THE OTHER 2REPORTING COMPANIES TO REMOVE THIS FRAUD INACCURATE TRADELINE MARKINGS OFF MY CREDIT IMMEDIATELY.INFINITI OWES ME.I DON'T OWE INFINITI ANY THING.PLUS THEY SOLD THE VEHICLE FOR WAY MORE THAN THE RESIDUAL AMOUNT OF THE LEASE VEHICLE AMOUNT {$25000.00} THAT WAS CONTRACTED BY LAW TO BE POSTED TO THE CREDIT REPORT.THIS WAS NEVER A FINANCE CAR.IT WAS A LEASE VEHICLE AND THE RESIDUAL VALUE AMOUNT WAS {$25000.00} AND THEY SOLD THE VEHICLE FOR FAR WAY MORE THAN THAT.PLUS ALL OF THE PAYMENTS RECEIVED OF {$990.00} THAT THEY REPORTED. SO WHY XXXX REFUSED TO DO THE MATHS AND THE NEED FULL TO GET THIS FALSE REPORTING OFF MY CREDIT FROM OVER 10MTHS NOW.PLUS THEY HAVE INFINITI STILL REPORTING WRONG INACCURATE LEDGER AMOUNT THAT THEY SEE THAT IS NOT CORRECT IF THEY SOLD THE VEHICLE FOR OVER {$36000.00} AS THEY STATED THEY ACTION THE VEHICLE.THEY NEED TO INVESTIGATE THE INACCURATE MONTHLY REPORTING OF ANY PASS DUE AMOUNT AND LATE MARKERS FROM XX/XX/XXXX AND GET THE CORRECT DUE DATE BACK DATED TO XXXX TO CORRECT ALL THE INACCURATE INTERESTS, LATE FEES, REPOSSESS FEES THAT MUST BE REMOVED.NO ONE TOLD THEM TO COME TAKE UP THE CAR FROM THE DEALER IN THE MIDDLE OF THE CORPORATE OFFICE AND XXXX XXXX CORRECTING THE ACCOUNT DUE DATE, TO ADJUST ALL INTEREST, PAST DUE REPORTINGS AND THE STATUS OF THE ACCOUNT WAS RETROACTIVE TO 2MTHS AT THE BACK OF THE LOAN SO THAT THEY COULD FIX THE ORIGINAL CORRECT DUE DATE BACK TO XXXX THAT IT WAS SUPPISED TO DAY AND APPROVED FROM XXXX @ XXXX WITH INFINITI AND THE DEALERSHIP.ALL OF THIS IS ALL NOTED AND YET THEY REFUSED TO FOLLOW THE LAW AND COMPLY WITH THE CONSUMER DISPUTES THAT IS STILL NOT ADDRESS AND LOOKED INTO VERY KEENLY.ALL THE INACCURATE AMOUNTS ARE RIGHT INFRONT OF THEM AND THEY REFUSEF TO DO NOTHING.XXXX AND XXXX REMOVED ALL THE LATE MARKERS, TRADELINE AND REQUESTED INFINITI TO SHOW PROVED OF HOW MUCH THE CAR WAS SOLD FOR.WHICH THEY DID OF TO SEND IN.THEN THEY REMOVED THE TRADELINE BASE ON FACTS THAT THE VEHICLE EAS MOVE THAN PAYED FOR AND THEY STILL REFUSED TO CORRECT THE DUE DATE HISTORY, RETROACTIVE BACK THERE LEDGER BALANCE CORRECTLY WITH THE CORRECT DUE DATE OF XXXX NOT XXXX.THATS THE BIGGEST ERRORE THAT XXXX REFUSED TO LOOK INTO AND ADDRESS.THEN THE FACT THAT THEY SOLD AND GET PAYED WAY MORE THAN THE LEASE CONTRACTED RESIDUAL AMOUNT OF {$25000.00} THAT SHOULD HAVE BEEN REPORTED IN THE 1ST PLACE ON MY CREDIT.NOT NO {$38000.00} THAT WAS NOT REMOVED AFTER SO MUCH DISPUTES.TIRED OF TELLING THEM THAT THE DUE DATE IS STILL WRONG, AMOUNT REPORTED STILL WRONG, AMOUNT SHOWING OWED STILL WRONG, TRADELINE IS INACCURATE AND MUST BE REMOVED.NOT LIABLE FOR NO MONEY AND THAT VEHICLE ANY MORE.THIS TRADELINE MUST BE REMOVED OFF CREDIT.PLUS THE {$2500.00} AT LEASE SIGNING WAS NEVER SUBTRACTED FROM THE LEDGER BALANCE CORRECTLY EITHER.PLUS ALL OF THE PAYMENTS RECEIVED.XXXX NEED TO WORK AND DO THE RIGHT THING BY LAW AND HAVE INFINITI CORRECT THE LEDGER WITH THE RIGHT AMOUNT OF PAYMENTS AND SHOW PROVED OF HOW MUCH THE VEHICLE WAS SOLD FOR.THEN MINUS THAT FROM THE RESIDUAL VALUE OF THE LEASE CONTRACTED AMOUNT OF {$25000.00} AND SEE THAT INFINITI OWE ME.I OWE XXXX DOLLARS AND THIS TRADELINE MUST BE REMOVED SINCE THEY REFUSED TO COMPLY WITH THE LAW TO REPORT CORRECTED LEDGER AMOUNT BASE ON THE LEASE CONTRACT.I REPEAT THAT THIS WAS NEVER A FINANCE VEHICLE.THIS WAS A LEASE WITH A RESIDUAL VALUE OF {$25000.00} NOT SHOULD HAVE REPORTED $ XXXXTHEN THEY SOLD THE VEHICLE FOR WAY MORE {$36000.00} PLUS ALL AMOUNT PAIDED ON SIGNING OF $ XXXXPLUS ALL THE 8PAYMENTS RECEIVED. XXXX NEED TO CORRECT THIS CREDIT HISTORY REPORT IMMEDIATELY AND REMOVE THE TRADELINE INSTANTLY OFF MY CREDIT REPORT. THIS IS NOT HEALTHY AND THEY REALLY ARE VERY DISAPPOINTING OUT OF THE XXXX CREDIT REPORTING BURUREAS.I WILL NOT STOP DISPUTING THIS INJUSTICE UNTIL TBEY STEP UP AND DO THE NEEDFUL. I CALL AND EVEN DISPUTED ALL OF THE UNAUTHORIZED FRAUDULENT CHARGES WITH INFINITI FROM WHEN THEY SOLD THE VEHICLE AND THEY STILL DID NOT RESPONSE BASE ON MY DISPUTE # AND INVESTIGATION BASE ON ALL THE UNAUTHORIZED FRAUDULENT CHARGES COSTED FOR THE INVOLUNTARY REPOSSESS THAT THEY WENT ON DO BEHIND CORPORATE BACK AS PER XXXX XXXX DATED AND STATED ON XX/XX/XXXX & XX/XX/XXXX AND AFTER THEY REPO THE CAR WITHOUT HER KNOWLEDGE AND CONSENT. NOT LIABLE FOR NO REPOSSESS FEES, INTEREST FEES, LATE FEES, NOR NO CHARGE OFF FEES.TRADELINE NEED TO BE REMOVED IMMEDIATELY WITH ALL OF THIS FRAUD REPORTINGS FROM XXXX.THEY SOLD THE VEHICLE AND STILL NO CORRECTION OF XXXX BALANCE REPORTED AND TRADELINE MUST BE REMOVED WITH ALL 3 CREDIT BUREAUS IMMEDIATELY.INFINITI FINANCIAL SERVICES MISHANDLED THE ACCOUNT FROM XX/XX/XXXX ONGOING AND NEED TO BE HELD LIABLE FOR ALL THE IGNORED AND DISRESPECTFUL HANG UP ON ME FROM XXXX @ XXXX STRAIGHT UP TO OVER 2MTHS NOW STILL NO RESOLUTION AND UPDATED CORRECT REPORTING MINUS ALL OF THE INVOLUNTARY FRAUDULENT UNAUTHORIZED FEES THEY COST ON THEMSELF AS PER XXXX XXXX BECAUSE THEY MISHANDLED THE ACCOUNT FROM XX/XX/XXXX AND THIS COULD HAVE BEEN AVOIDED IF THEY RESPONDED PROMPTLY ON THE LEASE DUE XXXX REQUESTED FROM XX/XX/XXXX, XX/XX/XXXX @ XXXX PLUS ONGOING FOR MONTHS WITH SEVERAL STATEMENT NOTED ON ACCOUNT THAT IT WILL BE CHANGED TO XXXX OF THE MONTH.BEEN PUT OFF SEVERALLY FOR MONTH AFTER MONTH AND THEY MUST HELD LIABLE FOR THE MISHANDLED OF THIS ACCOUNT.I DON'T OWE INFINITI FINANCIAL SERVICES NO MONEY AND THIS TRADELINE MUST BE REMOVED IMMEDIATELY.OTHERWISE I WILL BE TAKEN LEGAL ACTION.NOT EVEN ANY RESPONSE ON MY DISPUTE REFERENCING ALL THE INACCURACIES BEEN REPORTED BEFORE AND AFTER THE CAR WAS SOLD.ALL THE FRAUDULENT UNAUTHORIZED CHARGES WAS NOT CREDITED OR THE ACCOUNT WAS NOT LOOKED INTO ABLE THE CORREVT DUE DATE THAT SHOULDA BEEN CORRECTED FROM XX/XX/XXXX @ XXXX AS WHAT THEY AGENT TOLD US AT THE XXXX INFINITI DEALERSHIP THAT THE 1ST DUE DATE WILL BE XXXX GOING FORWARD AND SEVERAL MONTHS OF CALLING DATES AND TIMES WERE ALL DOCUMENTED.WILL GO VIRAL WITH THIS IF THEY REFUSED TO REMOVED THUS TRADELINE OFF MY CREDIT.THEY NEED TO STOP ALL FRAUD REPORTIMG IMMEDIATELY AND REMOVED THIS INACCURACIES OFF MY CREDIT.INFINITI FINANCIAL SHOULD TAKE OWNERSHIP FOR ALL OF THE MISHANDLED OF THIS ACCOUNT FOR ALL THE IGNORED THEY IGNORED XXXX THE DUE DATE CHANGE REQUESTED FROM XX/XX/XXXX, XXXX ONGOINGING MONTH AFTER MONTH BEEN PUT OFF.THEN THEY WENT BEHIND XXXX XXXX IN THE CORPORATE OFFICE THEY WAS HANDLING THE RETROACTIVE TO BRING THE ACCOUNT BALANCE STATUS ACCURATELY THEN THEY WENT AND PICK UP THE VEHICLE INVOLUNTARY WITHOUT NO CONSENT OR READING HER NOTES OF ALL THE INSIDE PROTOCOL TO BE TAKEN TO BRING THE ACCOUNT STATUS ACCURATELY.NOT LIABLE FOR ALL THETE INCOMPETENCIES FROM XX/XX/XXXX UNTIL THEY SOLD THE VEHICLE FOR LESS THAN WAS IT WAS TRADED IN FOR BEHIND INFINITI OF XXXX XXXX THAT WAS ASSISTING IN TRADONG BACK THE VEHICLE TO CORRECT THERE INCOMPETENCY OF WROND DUE DATE REPORTING FROM XX/XX/XXXX. DUE DATE MUST BE XXXX ONGOING NOT THE 1ST OF THE MONTH.THEY IGNORED EVERY REQUEST AND WAS XXXX REPORTING INACCURACIES ON ALL 3 CREDIT REPORTS WRONG EVERY MONTH.EVEN AFTER ALL THE FRAUDULENT DISPUTES FILED SND CALLED ABOUT THE CORRECTION OF UNAUTHORIZED CHARGES AFTER THEY SOLD THE VEHICLE.THEY REFUSED TO CORRECT THIS URGENT MATTER AND KEEP REPORTING INACCURACIES ON MY 3CREDIT AGENCIES AGAINST ME.REMOVED TRADELINE BEFORE I OF TO GO VIRAL REGARDING THIS FRAUDULENT UNAUTHORIZED CHARGES AGAINST A VEHICLE I NOT LIABLE NOR OWE NO MONEY ON.THEY MUST TAKE OWNERSHIP FOR THERE WRONG MISHANDLED OF THE ACCOUNT LEDGER AND NOT FOLLOWING COMPANY INSIDE NOTES AND DUE DATE GRANTED APPROVAL NUMEROUSLY WAS DOCUMENTED FROM XXXX, XX/XX/XXXX ONGOING SEVERAL CALLS AFTER WE GOT IGNORED AND HANG UP ON SEVERALLY FROM XXXX, XXXX, RUDE NASTY SO CALL SUPERVISORS THAT CLAIM THEY ARE IT.ON XXXX MGR ALSO APPROVED THE DUE DATE CHANGE AGAINED AND IT WAS NEVER REFLECTED ON THE ACCOUNT TO RETROACTIVE ALL THE WRONG INACCURATE INTEREST CHARGES AND FEES. TAKE OWNERSHIP AND STOP BLAMING THE CONSUMER FOR YOU ALL INCOMPETENCIES.PERIOD! REMOVE THE TRAFE LINE IF REFUSING TO DO THE LAWFUL THING AND CORRECT THE INACCURACIES THAT YOU ALL COSTED ON THE ACCOUNT FROM XX/XX/XXXX @ XXXX ONGOING DUE DATE WAS NEVER CORRECTED.BLAME YOUR INCOMPETENT WORKERS NOT THE CONSUMER.THIS SHOULD BE AT THE COMPANY EXPENSE NOT ME THE CONSUMER.REMOVE TRADELINE BEFORE GO VIRAL ON THE NEWS.TIRED OF THE BACK AND FORTH.LAST WARNING.DO N'T BLAME ME IF I GO VIRAL ON ALL SOCIAL PLATFORMS.TIRED OF THIS INCOMPETENCIES THAT THEY COSTED NOT ME.ENOUGH IS ENOUGH.REMOVE THE TRADELINES IMMEDIATELY.MAKE THEM SEND YOU PROVE OF HOW MUCH THEY SALE THE VEHICLE FOR.I DON'T OWE YOU NOTHING IF WHAT WAS REPORTING ON CREDIT {$38000.00} AND GOT ALL THOSE DEPOSIT AT SIGNING OF OVER {$2500.00} PLUS ALL THE PAYMENTS.PLUS THEY SOLD THE VEHICLE BEHIND OUR BACK IN THE MIDDLE OF CORPORATE OFFICE PLEADS OF NOT VOLUNTARY TURNING IN THE VEHICLE ON XX/XX/XXXX @ XXXX REF # WAS GIVEN TO US XXXX YET, THEY SOLD THE VEHICLE AND PUT INVOLUNTARY DURING OPENED INVESTIGATION WITH THE CORPARATE OFFICE XXXX XXXX AFTER ALL THE NOTES SHE LEFT. PLUS ALL THE DUE DATES REQUESTES WAS TOTALLY IGNORED.
11/23/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • UT
  • 84047
Web Older American
CONSUMER FINANCIAL PROTECTION BUREAU Plaintiff/Petitioners *Undisclosed on this page Vs Respondent/Defendants NISSAN MOTOR ACCEPTANCE CORPORATION XXXX XXXX XXXX XXXX XXXX, XXXX, al XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Employee Specified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, et al Defendants et, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Affairs Department XXXX Warranty Extension XXXX XXXX XXXX 1-800-Nissan or XXXX XXXX XXXX ( Third Party ) Collection Payment Vendor XXXX XXXX XXXX, XXXX UTAH XXXX XXXX XXXX XXXX XXXX, Utah, XXXX ( XXXX ) XXXX XXXX Defendant, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Utah XXXX XXXX XXXX XXXX XXXX Defendant/Respondent ALS Resolvion XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX Defendant/Respondent Facts Related To Administrative Action This Cause of Action involves NMAC Nissan Motor Accept Group. The Consumer Finance Protection Bureau has Jurisdiction in this Matter The Bureau made a ruling against the Respondent Nissan Motor Acceptance Corporation On or about XX/XX/XXXX, XXXX. Nissan Settlement Overview Nissan Motor Group Corporation, Responden.t agreed to the stipulation without admission of guilt/no contest no-lo-con-ten-de-re on or about XX/XX/XXXX. Nissan Motor Acceptance Group File Number XXXX. Petitioners First Assertion Plaintiff/Petitioner asserts that the Respondents continue to violate Federal Law, specifically, 18 U.S. Code 1341s Fraud and Swindles. Whoever, having devised or intending to devise any scheme or artifice to defraud or for obtaining money or property by means of false or fraudulent pretenses, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure, or theft by conversion, unjust enrichment and personal gain. Petitioners Second Assertion The Respondent Nissan continues to breach the binding agreement set forth by the Bureaus Administrative Proceeding ; they unlawfully repossessed the Petitioners vehicle on XX/XX/XXXX @ XXXX. Petitioners Third Assertion The Respondent shows contempt with continued un-lawful repossessions, misappropriating payments, excessive charges or late fees when payments were made on time, miscellaneous fees, duplications of charges, failing to properly credit the Petitioners account. Petitioners Fourth Assertion Respondent did not contact the Petitioner in any written form regarding the matter until XX/XX/XXXX. XXXX. The notice indicated the car had been auctioned on the XXXX of XXXX. It is also noteworthy to mention the document origination date was XXXX XXXX, mailed XX/XX/XXXX received by the Petitioners on XX/XX/XXXX. XXXX was forced to advance XXXX and XXXX payments. The Petitioner had made XXXX payment on XX/XX/XXXX Petitioners Fifth Assertion The Petitioner took mitigating action on or about XX/XX/XXXX when he paid through Third Party XXXX {$1400.00} funds are immediately paid to the Respondent. The Petitioner paid a service fee of {$1.00} and was given a transaction code which released the vehicle from the Impound and agreed on by the XXXX XXXX. Petitioner provided the Respondent with transaction numbers the Respondent refused to apply the credit/payment. Misrepresentation that the Petitioners would be able to get their car that day. Respondent made false assertions that they would need to hold the funds for a 10day period. Petitioners Sixth Assertion The Petitioners believe it was the intention to deceive them and that Nissan Motor Corporation Group, Its Agents, and Representatives had planned to keep and auction the vehicle. The Petitioners were misled regarding this transaction. It was the intention of the Respondent to auction the vehicle ; withhold or delay applying the wired funds over the {$8.00} fee XXXX XXXX charges. Petitioner utilized XXXX XXXX an established vendor for Nissan and the payment accounted before the second payment was sent via XXXX Petitioners Seventh Assertion Petitioners had dozens of conversations to resolve pay system issues but realized it to be wasted time. On or about the XXXX of XXXX the Petitioner secured another {$1400.00} to pay Nissan Motors Acceptance Group a second payment. because they refused to credit the payment made the day before, combined over {$2800.00} in two days. Petitioners Eighth Assertion Respondents depraved indifference caused the Petitioners further hardships, related stress, lost income for a week and planned to auction the vehicle after they agreed to release the car back to the Petitioner continuing the deceptive practice and artifice. Nissan charged XX/XX/XXXX, and XXXX, XXXX duplicate charges of {$540.00} each for miscellaneous fees associated with one unlawful repossession. Petitioners paid to date over {$1000.00} in miscellaneous fees charging {$180.00} in XXXX, {$150.00} in XXXX. Petitioners were forced to pay these excessive late fees and the Respondent combined the last 4 months to charge the account and repossess the car. Petitioner was credited only {$67000.00} out of the {$2800.00} toward the loan. XXXX and XXXX payments were not due or late when the Petitioners vehicle was taken the early morning of XX/XX/XXXX. Petitioners Tenth Assertion Petitioner paid amounts each month, arranged extensions or Respondent applied payments to the wrong account. Miscellaneous fees have been charged to the account since the conception of the agreement. The fees are taken off the account and added back on the following month and coincide with each payment, charging a late fee in most cases when a fee is not justified. Petitioners Eleventh Assertion The Respondent has been unclear or can not articulate the principal payments or the interest payments consistently. Petitioners Twelfth Assertion Monthly billing statements do not reflect the correct amounts principals, application or follow the I.R.S guidelines as a G.A.A.P. ( Gap Approved Accounting Principal ). Petitioners Thirteenth Assertion The Petitioner purchased the car on XX/XX/XXXX and asserts the loan was obtained by the Dealership in a deceptive and fraudulent manner. The Petitioners were denied their right to rescind the contract. The dealership used high pressure, intimidation tactics, denied the Petitioner the right to rescind and take back their car used on trade. Petitioners was told they had no other options and felt embarrassed they had been taken advantage of by the sales staff. Petitioners noticed duplicated charges which totaled {$6400.00} not including interest charges that had been added to their loan. When they presented that to the dealership on XX/XX/XXXX they were told that amount would be reduced from the loan. On XX/XX/XXXX the dealership signed the form indicating the over charges but only reduced the loan amount by {$2800.00} leaving the balance owed to the Petitioner {$3600.00}. Additional interest related fees were never taken out of the loan. Total interest charges that should have been reduced from the loan is {$8400.00}. The loan was obtained using deceptive practices for unjust enrichment and personal gain. Each time the Petitioner requested resolve or Arbitration they were denied. Petitioners Fourteeth Assertion The vehicle was damaged by the vendor Recover Service when took the vehicle unlawfully on XX/XX/XXXX. The XXXX XXXX XXXX Lock Device was tooled by the recovery agent and can not be utilized. XXXX damage was caused on the passenger side of the vehicle and personal items removed from the car. The personal items were never returned. SUMMARY OF COMPLAINT Petitioners have filed a claim with the CFPB and reference the Administrative Action taken against the Defendant, Nissan Finance Motor Group. Petitioners have alleged that the Respondent took or repossessed their car unlawfully and did not forewarn, notify or have legal justification to repossess the vehicle. In the days or weeks that followed the repossession the Respondent has over billed, over inflated late fees, duplicated the repossession charge, added finance charges or miscellaneous fees to the loan amount incorrectly. Vendors that act or acted as Agents, Representatives and or Employees have misrepresented, made false deceptive and misleading statements to obtain money or property they have not been owed or entitled to take or demand. The Repossession Company damaged both the inside gear lock and the outside of the vehicle, as well as kept property that was inside the vehicle at the time it was taken on XX/XX/XXXX. The Office in IXXXX and XXXX have been the most consistent in their misrepresenting the intention to sell the vehicle and their lawful right to take the Petitioners car. The Petitioner had made timely payments or by extension made the arrangements to remain current with the last 7 months noted on the history payments from Nissan. Nissan demanded that two months not yet due be paid in advance for XXXX and XXXX. Which the Petitioner paid twice. XX/XX/XXXX and XX/XX/XXXX Regular payments for XXXX paid on the XXXX of XX/XX/XXXX does not reflect the late fees charged on the Petitioners Ledger but is total of {$150.00}, XXXX late fee charged {$180.00} and another XXXX was charged in XXXX which had not come due until 3 days later. Petitioner believes that the Respondent had the vehicle towed for unspecific reasons not related to payments or lack of payments. The towing company services charged twice to the Petitioner and late fees and miscellaneous fees not explained with any clarity or understood by Nissan employees. The Petitioner has had nothing but problems from the first step on the Nissan Dealerships Lot. The contract was obtained in a fraudulent manner with the intent to deceive and mislead the Petitioners. Their rights to rescind and take back their trade was denied and they were lied to about the ability to take back their trade. The loan was overcharged almost {$7000.00} and only a portion of the fixed cost were taken out leaving the XXXX balance and interest on the loan. Proposed Resolutions Considering Mitigation Or Additional Law Suites planned by the Petitioners Petitioner is willing to work with Nissan o any of these resolutions and will seek relief from the Bureau first and any other venue that has Jurisdiction over this matter. ( Including but not limited to each vendor ) The Petitioner seeks the maximum {$100000.00} they could have been awarded for arbitration but were denied three times by Nissan as well as the dealership denying them the same right. The Petitioner will surrender the Vehicle at the designated location specified by Nissan upon receipt of settlement payments as stated in this document unless the Bureau enhances the amounts or restores the Petitioners a higher amount. That the Respondent Nissan Motors and any third party update their reporting records to the credit agencies and make the correct entries and show the vehicle as paid in full by Petitioners. Petitioners have had their credit destroyed and lost income due to the repossession and negative remarks on the credit reporting systems. The Respondent be held accountable for their deceptive practices as well as potential consideration for charges in the future on a criminal probe for Fraud and Failure to disclose facts they legally are mandated by Truth and Lending Laws and Federal Trading Commission. The Respondent make available accurate detailed information to their vendors to avoid future exposure to them for unlawful actions they take. Petitioner has considered all related expenses, payments, insurance, loss of trade in vehicle damages to credit and lost wages which total as follows : Trade In {$14000.00} Payments {$21000.00} Misc Fees {$3000.00} Lost Wages {$2500.00} Borrowed {$2000.00} Transportation 7 days {$26000.00} Missed Appt {$120.00} {$43000.00}
06/02/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • AZ
  • 85388
Web
/My husband and I went to the XXXX, AZ Nissan dealership because a close friend recommended the owner as an honest businessman. We spent 8hrs at the dealership on XX/XX/XXXX and were assured a loan with 8 % interest and a $ XXXX/mon payment with GAP insurance, a maintenance service contract and extended warranty. We were very upfront about my husband 's situation, including that he had no credit history and was a permanent resident. The owner assured us this was not a problem. We traded in my husband 's car for {$1000.00} reduction of the loan, and paid a {$500.00} cash deposit. We signed the paperwork and left with the new car. Three days later we were called back to the dealership by the finance person, XXXX XXXX, and told there was a problem with the paperwork and we had to come back in. We did go back to the dealership on XX/XX/XXXX and XXXX told us that the 8 % deal did not go through and we had to sign a new deal. When I asked why the deal didn't go through he told me it was because my husband had no credit history and was only a resident. I let XXXX know that we had already discussed this a week ago and had been very upfront with them at the time of purchase when were were assured the original deal. XXXX said it didn't matter and this was the circumstance and we had to sign a new transaction. This was my husband 's first new car purchase and after driving the car for a week already he was in love with it and wanted to keep it. So my husband agreed and began signing paperwork again. As my husband was reviewing the final papers with XXXX, I noticed that the interest rate was now 17.55 %, the GA/P insurance was not listed, nor was the extended warranty, and the monthly payments were over $ 450/mon. At that point I was enraged, told my husband to stop signing, as I was not going to allow him to enter into a bad financial deal. I told XXXX we were NOT taking the car, to give us our trade in back and we would be going elsewhere to purchase a vehicle. Then XXXX told me to " hold on '', he would get the owner. The owner came into the room and asked me what the problem was, and I told him that we were promised certain terms, which we signed for and drove away with the car understanding the deal was finalized. That we were NOT okay with the current situation and wanted our car back. The owner told us to leave with the car, he would personally guarantee that the original terms would be met and they would call us back. Another 10 days later, on XX/XX/XXXX we went back to the dealership and signed the " final '' papers, that " guaranteed '' our loan with Nissan Finance at 8 %, $ XXXX/mon, and was only supposed to have GAP insurance coverage, with no service contract or extended warranty. When my husband signed the " final '' deal, there was a line listed as " service contract, {$2100.00} '' and when I asked XXXX if that was the GAP insurance, he assured me it was. I asked for a copy of the " final '' paperwork and XXXX told me not to worry about it, they would mail me a copy. We were never " mailed a copy ''. We made all of our payments to Nissan, often times overpaying to pay down the principal faster. On XX/XX/XXXX my husband was hit by another car on his way to work. The accident was severe and I was fairly certain our auto insurance company was going to total the car out, due to the FMV of the vehicle at the time and what it would cost to fix the damages. It was also as I was starting a new job and training, and my husband and I were and are working opposite schedules. My husband needed to go to the emergency room as a result of the accident, and I began dealing with our insurance company and dealing with finding a rental vehicle so my husband could continue to work. As I tried to get ahold of Nissan Finance, they were not available after XXXX when I was off work or the weekends. The phone number I was given on my voicemail to call did not allow for a message to be left and just hung up on me. My car insurance claims agent also took a week off for vacation a week into the claim and was unable to be reached. When he returned from vacation and communicated that they were indeed totaling the vehicle, I was again go back in touch with the tow lot to give them an update ( it had been 2 weeks now from the time of the accident and tow ) around XXXX, upon which I was informed that Nissan Finance had just repossessed the vehicle that morning, Friday, XX/XX/XXXX. I tried to online chat with a Nissan Finance agent that Friday, XX/XX/XXXX because their department was on CST and already closed, at which time the agent told me he was unable to help me but gave me a phone number that would have a person available to speak with on Saturday, XX/XX/XXXX, XXXX CST. I thanked him and ended the chat. Saturday, XX/XX/XXXX I called the phone number but was shocked to learn it was an 800 # for XXXX. On Monday, XX/XX/XXXX, I finally was able to get through on my 30min lunch break from work to reach a Nissan Finance person, but was told that my husband would have to call in and give permission for Nissan Finance to speak to me. I hung up, called my husband immediately and asked him to call and do so, which he did. By the time this all happened my lunch break was over. I called on Tuesday, XX/XX/XXXX to try and 1 ) find out where the car was physically located so I could relay that information to my car insurance claims adjuster so they could complete their final valuation of the vehicle, and 2 ) to get our personal items out of the vehicle, and 3 ) stop any auction of the car. The Nissan Finance company bounced me back and forth between their total loss department and collections department for 35mins. I had to hang up and go back to work. On Wednesday, XXXX, I called back again and had the first representative I spoke with make a note in my husband 's record about the circumstances and asked her to please not bounce me between departments. I was finally given the repo lot company 's name and phone number, but was told they were not able to give me the physical location, I would have to call the lot and get that information myself. I hung up, called the lot and obtained the information and scheduled an appointment for my husband to pick up our personal items from the vehicle. Then returned to work. On Thursday, XXXX, I called Nissan again on my lunch break and requested that a GAP claim be initiated because we owed more than what the car insurance company was going to pay for the total loss, and was told that we DID NOT HAVE GAP COVERAGE! The agent sent me an email with an attached file of what they had on record and told me my husband and I would have to go to the dealership and have them update the contract on file to reflect GAP coverage. That night when I got home from work I called the dealership and asked to speak with a person in the finance department. I was given to " XXXX '' ( not sure how to spell his name ). XXXX told me that there was no GAP coverage on record. I told him what happened at the time of purchase and he told me that XXXX no longer worked with them and that the only thing they could do would be to refund the " service contract '' of {$2100.00}, but that my husband had to be the one to do that. So Saturday, XX/XX/XXXX, my husband and I went to the XXXX Nissan dealership and asked to speak with the general manager, understanding that we would have to sign some paperwork after requesting the money refunded and be able to leave. We were shown to the GM 's office ( XXXX ). I told him the entire history of the situation, including that his finance person, XXXX, told us to come down to sign papers to request the service contract refund. XXXX told us that he was very sorry, but that XXXX did not work there anymore, he was sympathetic to our situation, but that our records were in physical storage and would have to be pulled for him to look at and verify to see what he could do. I showed him ALL of the original papers that I had kept together from the purchase, including ALL maintenance records on the vehicle since we had only serviced the vehicle at their dealer 's service department. He looked at the papers, but said he would have to look and see what they had in records, even though it was clearly evident that I had all of the carbon copies. He would call me back on Monday and let me know. I told him that my husband and I work opposite schedules and are only able to come together on Saturday mornings to sign papers. Monday, XX/XX/XXXX, I was left a voicemail while at work that we indeed did not have GAP insurance and there was nothing the dealer could do. My husband and I went back to the dealership on Saturday, XX/XX/XXXX and again asked to speak with XXXX. I told him, that it was pretty XXXX that he would not stand up and do the right thing because the finance person was no longer an employee, that excuse was flimsy, and that the documents filed in storage were clearly misleading. He said he would have to speak with the owner and see what he could do because it " was his money ''. We left again waiting for another phone call from XXXX. We did not receive a phone call, and were unable to go to the dealership on Satuday, XX/XX/XXXX due to a prior obligation, but DID return to the dealership on Monday, XX/XX/XXXX because I had the day off due to the XXXX XXXX holiday. XXXX had another finance person join us this time to explain to me that the GAP wasn't included because a document was in the file that showed it was removed. I had a copy of that document and pointed out to the GM, XXXX, that it was from the XX/XX/XXXX deal that we did NOT accept, which was indicated at the bottom of the record through XXXX 's personal handwriting that also stated " finance rate increased '' as to the reason the GAP was removed. I told him that was not the final deal we signed, because IN FACT, the finance rate did NOT increase, but was at 8 %. I told him even if they were not going to honor the GAP coverage, they needed to refund the {$2100.00} service contract that was clearly outlined on the document. After not returning my GAP document, XXXX, the GM, told me he would have to contact our insurance agent to confirm that they had not cancelled the contract, because insurance agents " do that to decrease the amount they have to pay out for the vehicle ''. When I told the GM that there was no way our insurance agent would have done that because they would have had to have had our permission AND that we had already been to the dealership THREE TIMES trying to cancel the contract ourselves to get the money refunded, the GM said that he wouldn't be able to do anything because it was XXXX XXXX, a holiday, and everything was closed. He promised they would call me back on Tuesday, XX/XX/XXXX with news. Tuesday came and went. I called the dealership yesterday, XX/XX/XXXX, but was put through to the GM 's voicemail. I was around XXXX, and I left my phone number and a message asking him to please return my phone call as he promised by the end of the day. He did NOT return my call. Nissan Finance is now charging us {$1200.00} in fees for repossessing the vehicle and late fees for " missing monthly payments '', even though my car insurance company issued them an over {$7600.00} partial payment for loss settlement. Even IF we agree to pay these RIDICULOUS additional charges, the service contract refund and the final payment from my car insurance company should cover the balance owed on the loan, with an actual refund to my husband. ALL I WANT IS THE DEALER TO HONOR THE SERVICE CONTRACT REFUND!!!! I do NOT understand why they are being so dishonest and egregious in this situation. WE WILL NEVER, EVER DO ANOTHER DEAL WITH NISSAN AND WARN EVERYONE TO DO THE SAME. PLEASE HELP US GET OUR MONEY BACK.
02/05/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • CT
  • 06517
Web
Dear XXXX XXXX ; Reference to CFPB Complaint ID : XXXX There is missing information within your response which I want answered. When I originally contact your company it was not only about the payments. I was requesting other information in regards to our contract being fraudulent and your company being responsible for your part in this happening to me. Your company was notified by me by phone on several occasion requesting some sort of assistance in regard to the deceptive action on behalf of XXXX XXXX and all Im told is that I sign the contract. Which I do understand but when I signed I didnt know the dealership was going to send your company fraudulent information in order to secure me a loan. And Im not sure why NMAC did know either or is it that you didnt care. A lender-borrower relationship is a contractual relationship, which may result in a lender being held liable for breaching written, oral and implied contracts or agreements. Our contracted was breach when you as the lender failed to take action required under loan documents or interpret loan document properly. The breach of contract I am claiming is course of conduct between XXXX and NMAC as a factor in interpreting the language of a contract. The course of conduct should amend the written terms of the loan document because you deviated from the document terms. As a lender, you know that you are ultimately responsible for verifying all the information provided on a credit application. After all, your loan portfolio could be at significant risk if you end up loaning money to people who cant keep up with their monthly payments. In addition, there could be critical compliance ramifications. Which will be evidence that your company was engaged in predatory lending and putting your loan portfolios at risk. On XX/XX/XXXX, a CFPB complaint was filed asking that both the dealership and lender pay penalties to customer who received the loans, and put better verification processes in place for auto loan paperwork. Which I agree with because I trusted that both companies would have been honest and trustworthy. You state that NMAC is a separate and distinct entity from dealership and can not speak to what was discussed with XXXX XXXX during contract negotiations. Well I am not asking you to speak for them. Im asking you to speak for NMAC and your part in confirming that all information was true and accurate for such a large amount of money. So I would like for you to answer this questions. Did you verify any of my income information? Credit report? What process did you use when your company decided to extend me a loan? How do you handle application frauds with your customer? Do you try to get any kind of answers from dealership about the defraud application? Do you hold borrower responsible for the action of the dealership deceptive action? Do you demand they repay the money back for falsifying the loan application? What do you actually do about deceptive loan agreements? Since your car is a lemon are you responsible for repairs that manufacturer and service refuse to fix? Go after manufacturer and demand they repair the car? Is my loan a fixed-sum loan? Or a Hire Purchase agreement? Hire agreements are covered by the Supply of Goods ( implied Terms ) Act 1973. This say there are implied conditions in hire purchase agreement, including a condition that the goods will be of satisfactory quality and will be fit for purpose. Fixed-sum loan under Section 75 of the consumer Credit Act 1974 the lender may, in some circumstances, be equally liable with the dealer if something is wrong with the car. The car has and had all kinds of problems that the dealer service department and manufacturer refuse to give me a fair solution to this defects. Why when I notified your company of the action of the dealership did I not get any help? I would like a copy of all documents you received from dealership on XX/XX/XXXX. There are a horde of cases which have as their primary claim of culpability that the lender knew or should have know that the proposed contract did not pencil out, but NMAC wanted it fees and origination point and did not stop the loan from proceeding. Which make you negligence for not taking the necessary precaution when extending me a loan. Lender liability refers to a body of law amalgamated form assorted liability theories based in contract, tort, other common law and statutes. The common element that unifies these theories is that they are asserted against lenders, typically large financial institutions. Causes of action under these theories may arise when action taken or not taken by a lender in connection with a loan directly or indirectly results in losses to a borrower or third party. So XXXX defrauding me would be on you because NMAC did not take proper action when giving me a loan. The law does not impose the lender the duty to inspect, although that duty is a right generally bargained for in the loan documents. The loan documents should almost always, for reasons of practicality, allow for the duty to inspect, but should negate any duty to inspect for the borrowers or any third partys benefit. The right to inspect is not a duty and it is the prerogative of and for the sole benefit of the lender. If the right/ duty to inspect is not so limited then the borrower have a claim that the inspection was intended to be for it benefit and thus anything not found, discovered or vetted would theoretically be for the account of the lender if the borrower relies on the lenders inspection. Related to the duty to inspect is the question of disbursement. If a lender were, either pursuant to the documents or a course of practice, to disburse directly to the tradesmen and materialmen, then there is a higher degree of care. Especially since this was a very expensive loan. The National Consumer Credit Protection Act ( NCCP ) XX/XX/XXXX have given birth to statutory concept of responsible lending which apply to loans. Responsible lending under the NCCP provides that a credit assistance provider must, after making reasonable inquires and taking reasonable steps to verify information, make a preliminary assessment about whether the consumer contract or changes to the consumers contract will be not unsuitable and A credit provider must, after making reasonable inquires and taking reasonable steps to verify information, make a final assessment about whether the consumers contract or changes to the consumers contract will be not unsuitable. A loan will not be unsuitable if it meets the consumers requirements and objective and the consumer has the capacity to repay the loan without experiencing financial hardship. Which is why you should have check me out before giving me a loan. The responsible lending obligation requires reasonable inquires to be made about the consumers financial situation and their requirements and objectives. In XXXX XXXX XXXX page 12 states that the Financial Service Provider ( FSP ) suggest inquires to assess the consumer financial position. The consumers amount and source of income, including the length and nature of their employment. The consumers fixed expenses, such as rent, repayments to other loans/debts, child support, insurance. The consumers variable expenses. The consumers credit history Any existing debts that are to be paid from the loan The consumers age and number of dependant The consumers assets Reasonably foreseeable changes, such as the end of honeymoon period on a loan, impending retirement or the end of seasonal employment Then you gave a loan of almost {$33000.00} for a XXXX XXXX XXXX. Didnt you think that was a bit much for a car with a MSRP of {$19000.00}. you allow a mark up price for this car to process and you should be responsible for that. I am pretty sure you should have know that was a lot of money for a vehicle. I am also putting you on notice that the vehicle thats in question is a defective lemon on top of the defraud. Im unable to go after XXXX to requests a refund, since your company extended the loan you are responsible for buying a lemon and expect for me to pay for it. You first made the agreement with them and you should have them pay you back for I have been defrauded by them. Which Ive been in contact with XXXX XXXX XXXX XXXX About the defective issues and they are not honoring the manufacturer warranty. So at this point the car is deem unsafe to drive and have many pending lawsuits out for transmission, sunroof exploding and airbag issues. I feel NMAC and XXXX XXXX used Predatory Business Practices with this auto agreement due to the fact that I was scammed and NMAC gave me no help or solution to this issue since I made them aware of the defraud from XXXX. I felt like I had no control of the situation cause I was not being taken seriously from my lender. If so you would have assist me sooner to discuss option of what policy/ procedure that could have been used to possibility terminate this loan sooner. Because how I see it the loan was breach / voided because it was done in a fraudulent way. Furthermore, I should not be responsible or held bonded by an agreement that legally is not a contract. Because the information on it was false and Im for sure if my real income and credit information was properly submitted I would not be eligible for a loan. Since XXXX knew I had a loan 4months prior for more than {$35000.00} and to know that NMAC didnt use maladministration. Which mean an act or omission contrary to or not in accordance with a duty or obligation owed at law or pursuant to the terms ( express or implied ) of the contract between the Financial Service Provider and applicant. So I am presenting this claim to you to buy back this suspicious loan that was fraudulent and pay me for the discrepancies done for the loan. I am looking forward to your company to make a good faith approach to this bad deal. Because we was both involved in this scam. On XX/XX/XXXX I receive letter stating your intent to repossess vehicle. I am requesting that this situation be put on hold until we complete my complaint process. Because I feel your company has an obligation to review and give me feedback to this situation. You have not fully answered my question to this fraud situation you are involved in. If you do repossess vehicle i am requesting it not be sold because it's in arbitration with XXXX XXXX XXXX XXXX affair dept. Thank you for listening and I hope to hear back from you soon. XXXX XXXX
09/16/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 19134
Web
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
06/30/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70586
Web
To whom it may concern Without Prejudice Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692G stating your claim is disputed and validation is requested. The contract that is on file only has the signature of one of the parties which is myself and it doesnt constitute a contract as its not signed by both parties, and I had asked for a contract signed by both parties. I am now requesting that you send over the name and address of the original creditor. I am also requesting the accounting of the transaction associated with this consumer credit transaction. If you have loaned/debited any assets to me it will show in your bookkeeping, and Im sure that you wouldnt mind assuring me that you took money from your own assets by sending over the accounting.. Validation can only be validated just as congress has said. A contract is not validation no where in the Fair Debt Collection Practices Act does is state that a contract is validation. Pursuant to 15 USC 1602 The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. So, when congress defines a credit card this means there is no restrictions on what kind of card, just ANY card that is used to obtain money, property, or services on credit. The " credit card '' that was used in the transaction with Nissan Motor Acceptance Corporation was my Social Security card and Drivers License which was used to create the credit. if my social security and Identification isn't a credit card then what makes this a consumer credit transaction? Pursuant to the Truth in Lending Act NMAC failed to disclose to me of my right to rescind pursuant to 15 USC 1635 which Is fraud and a federal violation. I am now invoking my right to rescind. NMAC also failed to disclose to me that insurance was supposed to be included in my finance charge pursuant to 15 USC 1605. You did not clearly disclose to me in writing anything of insurance being apart of my finance charge, because of your failure to disclose to me of my rights, I, was not able to give specific affirmative written indication of my desire to obtain the insurance in connection with the extension of credit. If my social security card and identification is not a open end credit plan then why is there a finance charged involved in this consumer credit transaction? [ U.S vs. Throckmorton,98 US 61, at pg. 65 ] " fraud vitiates the most solemn contracts, documents and even judgements ''. Pursuant to the Fair Debt Collection Practice Act In the contract that you have on file, it shows three separate charges for one loan, and all of the charges are shown in the positive. If it is a debt that is allegedly owed it should be shown in the negative. Pursuant to 15 USC 1692e this is a false representative of an amount of a debt. All three charges are a federal violation if it is a debt and it is owed it should be shown in the negative. Pursuant to 15 USC 1692G under the validation of debt NMAC was supposed to send ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such 15 USC 1692g12 809 15 USC 1692g verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. NMAC did NOT send anything to me after five days of the initial communication, unless the debt has been paid or the information was contained in the initial communication. It is not contained in the initial communication you have on file. The initial communication that I have is a credit application, that only has my signature. Your failure to disclose to me that the debt could be disputed is a federal violation, because now you assumed the debt to be valid ; not because, I, the consumer failed to dispute the debt but because you, the debt collector, failed to disclose to me the debt could be disputed, and that is fraud. Pursuant to 15 USC 1692e ( 11 ) NMAC was supposed to disclose in the initial communication that they were a debt collector attempting to collect a debt and any information obtained would be used for that purpose. NMAC did not disclose to me they were attempting to collect a debt in the initial communication, which is a federal violation under this subchapter. Pursuant to 15 USC 1692b ( 5 ) NMAC was not supposed use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. NMAC has used symbols in the contents of envelopes which is a federal violation. Pursuant to 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. NMAC has threatened and did hurt my reputation by reporting false and misleading information to the consumer reporting agencies for a debt that was never validated which is a federal violation of the FDCPA and FCRA. Pursuant to 15 USC 1681a ( 2 ) The Fair Credit Reporting Act tells us that our consumer report are our reputation. Pursuant to 15 USC 1692e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. NMAC is in direct violation of federal law by reporting to the consumer reporting agencies information that is known to be in dispute. Pursuant to 15 USC 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. NMAC has indeed implied that nonpayment of a debt would result in the garnishment or seizure of my car which is a federal violation of this subchapter. NMAC has not Validated the debt, nor have they presented anything that would constitute that I have a legal obligation to pay them. You have had two and a half months to validate the debt, and have failed to do so. This is your last notice to validate the debt or I will consider the debt discharged. I, am a, federally protected consumer, original creditor, have received damage from Nissan Motor Acceptance Corporation in all of the federal violations listed. You have cause anxiety, XXXX, sleep deprivation, marriage problems, and finance problems. NMAC has ruined my credit compacity, credit worthiness, credit standing, character and general reputation. NMAC are now held criminally liable pursuant to 15 USC 1611 under the Truth in Lending Act. NMAC are now held civilly liable pursuant to 15 USC 1640 under the Truth in Lending Act NMAC are now held civilly liable pursuant to 15 USC 1681n under the Fair Credit Reporting Act. NMAC are now held civilly liable pursuant to 15 USC 1681o under the Fair Credit Reporting Act. NMAC are now held civilly liable pursuant to 15 USC 1692K under the Fair Debt Collection Practice Act. Pursuant to 1692h MULTIPLE DEBTS If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. The debt is in dispute and I want all 48 months of payments sent back to me in a cashiers check. Notice Any further communication should be done in writing with respect to my federally protected rights not being violated. my exhibits are to large to send here with the CFPB but I do have them, and will happily send them through mail along with a validation of debt and an affidavit of Truth.
08/14/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • CA
  • 93711
Web
On XX/XX/2016 I was offered a low interest auto loan if I bought a new car from a dealership and that they were going to take in as trade my present less than 2 yrs. old car which I owed money on still ( more than the car was worth because of high interest rate on loan I had on it ). I was told that my loan for the new car would be around 9 % and that they were going to be able to erase most of the negative equity taking in my trade-in because of all the rebates and offers that applied to me buying the new car from them. ( Which I would have gotten on the new vehicle w/o using it up on the trade-in negative amount ). Anyways, they raised the interest rate higher saying that I could n't get the rate first mentioned, they told me that I had to buy GAP insurance, an extended warrenty, etc. On the contract # 6 : Total Down Payment A. Total Agreed Value = {$10000.00} B. Total less prior credit {$19000.00} C : Total Net Trade-in ( A-B ) : -XXXXX, E. Manufacturer 's Rebate : {$4200.00} G. Cash, Credit Card, Check = {$1000.00} ( from my checking acct. ) Total Downpayment ( C thru G ) : {$0.00}. 7 : Amount Financed = {$40000.00}. Besides the fact that I just ended up paying {$1000.00} cash to the dealer which they used towards the neg on my old vehicle and not towards the cost of the new car, I was also made to pay for an extended warranty which I did n't want ( the car came with a good warranty that covered the car for like 60 months/100,000 miles. But they told me I had to purchase the 72 month/75,000 ( Optional Service Contract ) which was {$3200.00} and the GAP ( Optional Debt Cancellation Agreement ) of {$990.00} = a total of {$4200.00} ). On the contract item J : Prior Credit or Lease Balance paid by Seller to Vehicle 1 ( XXXX XXXX ) {$3900.00}. Are you confused? Well I certainly was. I mentioned that I did n't know what I was signing and basically I was told do n't worry it 's all fine, we would n't trick you or anything. BUT ... ..the next day, I received a call from the Dealer and they were asking me to come back because the contract had a mistake on it and they needed me to come in to sign a corrected contract. It seems that they somehow had DOUBLED the TAXES charged on the new vehicle. Contract item G : {$4500.00}. Well I had noticed that, like I really had time to, no calculator with me, my head was swimming, and they assured me that everything was correct on the contract. SECOND CONTRACT : I was told that correcting the amount of tax on the contract would n't be changing the actual payment I was going to be paying every month. WHAT? I mean if I was getting a loan for a smaller amount why would n't the payment be lowered. Now I ca n't tell you what they said was the reason, because frankly, I did n't understand a thing they were throwing at me. However, as the finance guy was re-doing the contract while I was there he said to me, " Oh, yeah, cuz of this trouble I 'm going to give you a lifetime oil & tune-up warrenty, you just bring the car in every time that you need to get that service and we 'll do it here for free. '' Not until I got home and tried to go over this contract trying to figure out what the XXXX had just happened, did I notice that he gave me? He charged me for the Lifetime Oil ( only oil ) Contract in the amount of {$440.00}. He lowered the amount of tax charged on line G. from {$4500.00} to {$2300.00} ( when actually half of the taxes would have been {$2200.00} - go figure ). I believe that the difference of {$2200.00} or 1/2 of the doubled taxes charged on the original contract should have been subtracted off the balance owed and financed. But instead he added in the fee for the " Lifetime Oil '' of {$440.00} ( which I did not want, did not ask for, and was respresented to me as being a freebie ) and that leaves an amount of at least {$1800.00} that went to where??? I left my copy of the original contract at home so that I would n't have to give it to them thank gosh ... .they asked for it and I told them I had forgotten it and they told me to make sure and shred it up and throw it away when I got home so that I did n't accidentally mix it up with the one that was corrected. So please see attached copies of both contracts. On the first the Total Cash Price of the vehicle is {$27000.00} and on the " corrected one '' it goes up to a new total cash price of {$28000.00} for the very same exact vehicle. I do n't ' understand how they could just raise the price of the vehicle from the price that they had negotiated with me and that I agreed to purchase the car for after the original contract was signed, etc. I was n't told that they were going to do that and why should I be charged this extra money which of course is in the amount of the loan that I am going to have to pay for the vehicle. Another change was on XXXX XXXX. = Prior Credit or Lease Balance paid by Seller to Vehicle a XXXX XXXX from {$3900.00} on the first contract to {$4200.00} on the second contract. Since I do n't even understand what that is referring to, as in where they come in with that amount?? Under Downpayment on the contracts Item 6. Total Downpayment A. Agreed value of trade in = {$10000.00}. is the same on both, but on line B. Total Less Prior Credit vehicle 1 = {$19000.00} on the first contract and {$19000.00} on the second contract. = C. Total Net trade in ( A-B ) vehicle 1 = minus {$9200.00} on first contract and minus {$9500.00} on second contract. The amouonts that I paid in cash of {$1000.00} and the manufacturer 's Rebates of {$4200.00} for buying the new car which total {$5200.00} actually go to paying off my trade in and not towards the vehicle that I just purchased. The way I see this the new car should have cost me the amount that we had agreed on {$27000.00} plus tax & license, taxes & fees = {$30000.00} I really did n't need the optional warranty or the Gap Insurance = {$4200.00} and I especially did n't need, want, ask for and actually was told I was being given the " Lifetime Oil '' which I was actually charged for in the amount of {$440.00}. Sub-total of {$4600.00}. I could have received the rebates of {$4200.00} and should have gotten credit for the {$1000.00} I gave them cash. Leaving me with a {$24000.00} loan to pay on the car that I bought. However, I traded in a car that I still owed {$19000.00} for and so after we agreed the value of the trade in would be {$10000.00} and they were going to pay me that for the car. There was still {$9200.00} that needed to be paid to pay off my original car loan. That amount would be added to my new car loan. XXXX plus {$9200.00} = {$33000.00}. My loan was financed for {$40000.00} on the frirst contract and {$40000.00} on the second contract ( is n't that strange that the final amount financed on both contracts was for the same amount even though there had been that error of double taxes " accidentally computed incorrectly on the first contract ''?. I am paying a very large car payment every month and I 'm a retired XXXX yr. old woman on a small pension amount. I do n't know how they got this loan to go through. I wanted to lower my interest rate on my original car loan that was very high because my credit was n't all that great but I had been working on it. I was already at a {$520.00} a month payment and I was hoping to lower that because it was too high to pay each month. I walked out of there dizzy, spinning, enticed by the brand new fancy car and fast talking, salesmen who put me into a lower interest rate loan but not by very much percentage wise and into a new loan for a newer vehicle which included all the money I still owed on my other contract plus I gave them {$1000.00} which they used towards paying for the vehicle I traded in and warranties for the new car I did n't want and did n't need and charged me a lot for all of those warrenties that I did n't ask for or want. My new car payment is {$760.00} a month and every month I am barely able to pay my bills without using up credit on my credit cards to get by for foodl, etc.
03/10/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • NY
  • 11791
Web
COMPLAINT AGAINST XXXX NISSAN XXXX XXXX XXXX XXXX NY XXXX i HAVE BOUGHT TOTAL OF 5 NISSAN VEHICLES. WE GOT THE WORST SALES REP EVER. WE WERE PLANNING TO GET XXXX CARS. WE COULDN'T GET A LOAN WITHOUT AN INCOME VERIFICATION FOR MY SELF IN ADDITION TO MY WIFE. I AM ON PERMANENT XXXX AND IS ONLY COLLECTING {$1600.00} A MONTH IN XXXX PENSION. THEY PROMISED TO GET THE LOAN APPROVED AND WE GAVE A DEPOSIT OF {$1500.00}. THE DEAL DID NOT WORK OUT AND THE SALES REP TOLD US THAT THE CORPORATE WILL SEND YOU THE REFUND AND MADE ME FILL OUT A REQUEST FOR REFUND. HE SAID WE WILL GET THE REFUND WITHIN 30 DAYS AND IF WE WANT WE CAN DISPUTE THE TRANSACTION WITH OUR BANK AND WE DID. WE CALLED THEM MANY TIMES AND EVEN WENT THERE THREE TIMES. YESTERDAY THE General Manager MADE US WAIT OVER AN HOUR AND NEVER CAME OUT TO SPEAK TO US.. THE SALES REP IS XXXX. XXXX. your immediate assistance will be appreciated. The regional manager called me about our complaint and stated that the refund check was mailed out on the XXXX of XXXX .but hasnt reached here yet.i HAVE BOUGHT TOTAL OF 5 NISSAN VEHICLES. WE GOT THE WORST SALES REP EVER. WE WERE PLANNING TO GET XXXX CARS. WE COULDN'T GET A LOAN WITHOUT AN INCOME VERIFICATION FOR MY SELF IN ADDITION TO MY WIFE. I AM ON PERMANENT XXXX AND IS ONLY COLLECTING {$1600.00} A MONTH IN XXXX PENSION. THEY PROMISED TO GET THE LOAN APPROVED AND WE GAVE A DEPOSIT OF {$1500.00}. THE DEAL DID NOT WORK OUT AND THE SALES REP TOLD US THAT THE CORPORATE WILL SEND YOU THE REFUND AND MADE ME FILL OUT A REQUEST FOR REFUND. HE SAID WE WILL GET THE REFUND WITHIN 30 DAYS AND IF WE WANT WE CAN DISPUTE THE TRANSACTION WITH OUR BANK AND WE DID. WE CALLED THEM MANY TIMES AND EVEN WENT THERE THREE TIMES. YESTERDAY THE General Manager MADE US WAIT OVER AN HOUR AND NEVER CAME OUT TO SPEAK TO US.. THE SALES REP IS XXXX. XXXX. your immediate assistance will be appreciated. The regional manager called me about our complaint and stated that the refund check was mailed out on the XXXX of XXXX .but hasnt reached here yet.i HAVE BOUGHT TOTAL OF 5 NISSAN VEHICLES. WE GOT THE WORST SALES REP EVER. WE WERE PLANNING TO GET XXXX CARS. WE COULDN'T GET A LOAN WITHOUT AN INCOME VERIFICATION FOR MY SELF IN ADDITION TO MY WIFE. I AM ON PERMANENT XXXX AND IS ONLY COLLECTING {$1600.00} A MONTH IN XXXX PENSION. THEY PROMISED TO GET THE LOAN APPROVED AND WE GAVE A DEPOSIT OF {$1500.00}. THE DEAL DID NOT WORK OUT AND THE SALES REP TOLD US THAT THE CORPORATE WILL SEND YOU THE REFUND AND MADE ME FILL OUT A REQUEST FOR REFUND. HE SAID WE WILL GET THE REFUND WITHIN 30 DAYS AND IF WE WANT WE CAN DISPUTE THE TRANSACTION WITH OUR BANK AND WE DID. WE CALLED THEM MANY TIMES AND EVEN WENT THERE THREE TIMES. YESTERDAY THE General Manager MADE US WAIT OVER AN HOUR AND NEVER CAME OUT TO SPEAK TO US.. THE SALES REP IS XXXX. XXXX. your immediate assistance will be appreciated. The regional manager called me about our complaint and stated that the refund check was mailed out on the XXXX of XXXX .but hasnt reached here yet.i HAVE BOUGHT TOTAL OF 5 NISSAN VEHICLES. WE GOT THE WORST SALES REP EVER. WE WERE PLANNING TO GET XXXX CARS. WE COULDN'T GET A LOAN WITHOUT AN INCOME VERIFICATION FOR MY SELF IN ADDITION TO MY WIFE. I AM ON PERMANENT XXXX AND IS ONLY COLLECTING {$1600.00} A MONTH IN XXXX PENSION. THEY PROMISED TO GET THE LOAN APPROVED AND WE GAVE A DEPOSIT OF {$1500.00}. THE DEAL DID NOT WORK OUT AND THE SALES REP TOLD US THAT THE CORPORATE WILL SEND YOU THE REFUND AND MADE ME FILL OUT A REQUEST FOR REFUND. HE SAID WE WILL GET THE REFUND WITHIN 30 DAYS AND IF WE WANT WE CAN DISPUTE THE TRANSACTION WITH OUR BANK AND WE DID. WE CALLED THEM MANY TIMES AND EVEN WENT THERE THREE TIMES. YESTERDAY THE General Manager MADE US WAIT OVER AN HOUR AND NEVER CAME OUT TO SPEAK TO US.. THE SALES REP IS XXXX. XXXX. your immediate assistance will be appreciated. The regional manager called me about our complaint and stated that the refund check was mailed out on the XXXX of XXXX .but hasnt reached here yet.i HAVE BOUGHT TOTAL OF 5 NISSAN VEHICLES. WE GOT THE WORST SALES REP EVER. WE WERE PLANNING TO GET XXXX CARS. WE COULDN'T GET A LOAN WITHOUT AN INCOME VERIFICATION FOR MY SELF IN ADDITION TO MY WIFE. I AM ON PERMANENT XXXX AND IS ONLY COLLECTING {$1600.00} A MONTH IN XXXX PENSION. THEY PROMISED TO GET THE LOAN APPROVED AND WE GAVE A DEPOSIT OF {$1500.00}. THE DEAL DID NOT WORK OUT AND THE SALES REP TOLD US THAT THE CORPORATE WILL SEND YOU THE REFUND AND MADE ME FILL OUT A REQUEST FOR REFUND. HE SAID WE WILL GET THE REFUND WITHIN 30 DAYS AND IF WE WANT WE CAN DISPUTE THE TRANSACTION WITH OUR BANK AND WE DID. WE CALLED THEM MANY TIMES AND EVEN WENT THERE THREE TIMES. YESTERDAY THE General Manager MADE US WAIT OVER AN HOUR AND NEVER CAME OUT TO SPEAK TO US.. THE SALES REP IS XXXX. XXXX. your immediate assistance will be appreciated. The regional manager called me about our complaint and stated that the refund check was mailed out on the XXXX of XXXX .but hasnt reached here yet.i HAVE BOUGHT TOTAL OF 5 NISSAN VEHICLES. WE GOT THE WORST SALES REP EVER. WE WERE PLANNING TO GET XXXX CARS. WE COULDN'T GET A LOAN WITHOUT AN INCOME VERIFICATION FOR MY SELF IN ADDITION TO MY WIFE. I AM ON PERMANENT XXXX AND IS ONLY COLLECTING {$1600.00} A MONTH IN XXXX PENSION. THEY PROMISED TO GET THE LOAN APPROVED AND WE GAVE A DEPOSIT OF {$1500.00}. THE DEAL DID NOT WORK OUT AND THE SALES REP TOLD US THAT THE CORPORATE WILL SEND YOU THE REFUND AND MADE ME FILL OUT A REQUEST FOR REFUND. HE SAID WE WILL GET THE REFUND WITHIN 30 DAYS AND IF WE WANT WE CAN DISPUTE THE TRANSACTION WITH OUR BANK AND WE DID. WE CALLED THEM MANY TIMES AND EVEN WENT THERE THREE TIMES. YESTERDAY THE General Manager MADE US WAIT OVER AN HOUR AND NEVER CAME OUT TO SPEAK TO US.. THE SALES REP IS XXXX. XXXX. your immediate assistance will be appreciated. The regional manager called me about our complaint and stated that the refund check was mailed out on the XXXX of XXXX .but hasnt reached here yet.i HAVE BOUGHT TOTAL OF 5 NISSAN VEHICLES. WE GOT THE WORST SALES REP EVER. WE WERE PLANNING TO GET XXXX CARS. WE COULDN'T GET A LOAN WITHOUT AN INCOME VERIFICATION FOR MY SELF IN ADDITION TO MY WIFE. I AM ON PERMANENT XXXX AND IS ONLY COLLECTING {$1600.00} A MONTH IN XXXX PENSION. THEY PROMISED TO GET THE LOAN APPROVED AND WE GAVE A DEPOSIT OF {$1500.00}. THE DEAL DID NOT WORK OUT AND THE SALES REP TOLD US THAT THE CORPORATE WILL SEND YOU THE REFUND AND MADE ME FILL OUT A REQUEST FOR REFUND. HE SAID WE WILL GET THE REFUND WITHIN 30 DAYS AND IF WE WANT WE CAN DISPUTE THE TRANSACTION WITH OUR BANK AND WE DID. WE CALLED THEM MANY TIMES AND EVEN WENT THERE THREE TIMES. YESTERDAY THE General Manager MADE US WAIT OVER AN HOUR AND NEVER CAME OUT TO SPEAK TO US.. THE SALES REP IS XXXX. XXXX. your immediate assistance will be appreciated. The regional manager called me about our complaint and stated that the refund check was mailed out on the XXXX of XXXX .but hasnt reached here yet.i HAVE BOUGHT TOTAL OF 5 NISSAN VEHICLES. WE GOT THE WORST SALES REP EVER. WE WERE PLANNING TO GET XXXX CARS. WE COULDN'T GET A LOAN WITHOUT AN INCOME VERIFICATION FOR MY SELF IN ADDITION TO MY WIFE. I AM ON PERMANENT XXXX AND IS ONLY COLLECTING {$1600.00} A MONTH IN XXXX PENSION. THEY PROMISED TO GET THE LOAN APPROVED AND WE GAVE A DEPOSIT OF {$1500.00}. THE DEAL DID NOT WORK OUT AND THE SALES REP TOLD US THAT THE CORPORATE WILL SEND YOU THE REFUND AND MADE ME FILL OUT A REQUEST FOR REFUND. HE SAID WE WILL GET THE REFUND WITHIN 30 DAYS AND IF WE WANT WE CAN DISPUTE THE TRANSACTION WITH OUR BANK AND WE DID. WE CALLED THEM MANY TIMES AND EVEN WENT THERE THREE TIMES. YESTERDAY THE General Manager MADE US WAIT OVER AN HOUR AND NEVER CAME OUT TO SPEAK TO US.. THE SALES REP IS XXXX. XXXX. your immediate assistance will be appreciated. The regional manager called me about our complaint and stated that the refund check was mailed out on the XXXX of XXXX .but hasnt reached here yet.
09/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33320
Web
XXXX AND XXXX XXXX NEED TO REQUEST THE TOTAL CASH PRICE INFINITI FINANCIAL SERVICES GOT FOR THE VEHICLE.PLUS HAVE THEM CORRECT THE DUE THAT WAS APPROVED FOR XXXX OF THE MONTH. THE DUE DATE WAS NEVER LEFT AT THE XXXX.THE RETROACTIVE REQUEST OF THE LEDGER BALANCE WAS NEVER COMPLETED PRIOR TO THE UNAUTHORIZED INVOLUNTARY REPOSSESS THEY DID BEHIND THE CORPORATE OFFICE DURING A OPEN INVESTIGATION TO CORRECT THE DUE DATE, BALANCES, INTERESTES, UNAUTHORIZED FEES COSTS DUE TO THEIR MISHANDLED OF THE THE ACCOUNT.THESE CREDIT COMPANIES NEED TO HAVE THEM FURNISH THE CORRECT AMOUNT RECEIVED CASH FROM DEALERSHIP BASED ON THE LEASE INCEPTION CASH COSTS NOTED ON THE LEASE CONTRACT OF {$2500.00} MINUS ALL THE LATES FEES, INACCURATE INTERESTS CHARGES FOR THE DUE DATE NOT BEING CORRECTED FROM XX/XX/XXXX AS BEEN REQUESTED SEVERALLY BY THE FINANCE MGR AT XXXX XXXX XXXX NAME XXXX XXXX XXXX/ XXXX ALL MGRS CALLED NUMEROUS EMAILS ABOUT THE INACCURATE DUE DATE NOT CORRECTED. SEVERAL PHONES CALLS, DATES AND TIMES THROUGHOUT THE LEASE BEEN INCEPTION FROM XXXX.WE CALLED AGAIN ON XX/XX/XXXX @ XXXX EVEN BEFORE ACCOUNT WAS FUNDED.THEY REFUSED TO TAKE BACK THE CAR AND IT WAS LESS THAN 72HRS AS WELL.THEY TOLD THE DEALER THEY WILL GET IT CORRECTED AND THE NEW DUE DATE WILL BE XXXX ONGOING SET FOR XXXX OF EACH MONTH.YET, THEY MISHANDLED THE ACCOUNT WITH LOTS OF INACCURACIES AND REFUSED TO FURNISH THE EXACT AMOUNT VEHICLE SOLD FOR AT THE ACTION.NO RESPONSE OF THE EXACT AMOUNT, MINUS ALL UNAUTHORIZED FRAUDULENT REPOSSESS FEES AND COST THAT WAS DISPUTED TO THE FRAUD DEPARTMENT AT INFINIT FINANCIAL SERVICES EVERY MONTH ABOUT THE INACCURACIES OF THE FRAUD REPORTING AND THE CREDIT HISTORY IS NOT CORRECT AT ALL. IF THEY LIED AND PLACE {$38000.00} AS ORIGINAL LEASE CONTRACT AMOUNT.WHICH THE LEASE RESIDUAL VALUE REPORTED IS {$25000.00} WHICH BY LAW MUST BE HALF OF THE THAT AMOUNT IF ITS A LEASE NOT A FINANCE VEHICLE.THEY BEEN IGNORING ME.THEY STILL HAVE INFINITI REPORTING THE INACCURATE LEAEE AMOUNT OF {$38000.00} THEN THE VEHICLE WAS SOLD FOR OVER {$36000.00} AS THEY STATED OVER 3MTHS NOW. YET, THE TRADE LINE IS NOT REMOVED OFF MY CREDIT WITH ALL THE INACCURATE LEDGER HISTORY EVERY MONTH.DUE DATE WAS NOT FIX, RESIDUAL AMOUNT OF LEASE {$25000.00} NOT {$38000.00} IF FINANCED.THE CORRECT LEASE AMOUNT AND DUE DATE STILL NOT REFLECTING ON CREDIT SINCE ITS A LEASE.FILED SEVERAL FRAUD DISPUTES WITH THE COMPANY REF # WAS GIVEN AND NO RESPONSE OF HOW MUCH THE VEHICLE WAS ACTION FAR.PLACE THE FRAUD DISPUTE AGAINST THE FRAUDULENT UNAUTHORIZED CHARGES BEEN IGNORED.THE REF # XXXX WAS GIVEN TO XX/XX/XXXX @ XXXX BY A XXXX STATED IF THEY REFUSED TO RELEASE THE TITLE TO XXXX XXXX XXXX TO PURCHASED BACK THE LEASE CONTRACT TO CORRECT THE DUE DATE AS PROMISED FROM XX/XX/XXXX THEY WILL COME AND GET THE CAR WHICH WOULD BE A VOLUNTARY IF THEY NOT ALLOWING THEM TO REPURCHASED THE VEHICLE AT {$42000.00} INCLUDING {$8000.00} IN REBATES TO HO INTO ANOTHER VEHICLE.THEY AGREED THEN ASKED FOR MORE TIME TO GET THE ACCOUNT LEDGER CORRECTED WITH THE CORREVT DUE DATE OF XXXX OF EACH MONTH AND RETROACTIVE ALL DUE DATE STARTING XXXX.XXXX XXXX TOOK OVER THE HANDLING OF THE ACCOUNT PROVIDED HER DIRECT CONTACT # XXXX ASKED THAT WE BUY HER SOME TIME TO CORRECT THE CORRECT PAY OFF WITHOUT ANY LATE FEES, INACCURATE INTEREST CHARGES, WILL ALSO PUT THE 2MTHS IN THE BACK OF LOAN TO BROUGHT THE ACCOUNT STATUS CURRENT WITH THE REPORTING AGENCIES IMMEDIATELY.XX/XX/XXXXSHE ASKED TO GIVE HER MORE TIME AND THAT WE DON'T OF TO DO A CONTRACT BUY OUT OR VOLUNTARY GIVE BACK THE VEHICLE SINCE INFINITI REFUSED TO CORRECT THE LEASE DUE DATE FROM XXXX TO THE XXXX OF EACH MONTH.XXXX XXXX NOTED AND STATED SHE SEE HOW MANY TIMES IT WAS REQUESTED ON THE ACCOUNT AND WAS NOT COMPLETED PRIOR TO THE NEXT MONTH TO AVOID ANY LATE FEES AND LEDGER CORRECTION.XXXX NEVER CALLED BACK AS PROMISED ON XX/XX/XXXX THAT MONDAY AS SHE REQUESTED WE MUST GIVE HER TIME TO CORRECT THE ACCOUNT STATUS.SHE DID IN FACT BROUGHT THE ACCOUNT STATUS CORRECTED WITH BUREAUS BUT THE LEDGER BALANCE AT THAT TIME WAS STILL INCORRECT.THEN SHE CLAIMED SHE LEFT NOTES FOR HER HIGHER SUPERIOR TO PUT THE 2MTHS FOR XXXXAND XXXX AT BACK OF THE LEASE CONTRACT TO BUY THEM TIME TO RETROACTIVE THE DUE DATE BACK TO XXXX AND CHANGED IT REFLECTING NEXT PAYMENT DUE XXXX.INSTEAD THEM WENT BEHIND EVERYTHING WAS TOLD TO US ON XXXX & XXXX & XX/XX/XXXX & XXXX STATED ON THE LEASE ACCOUNT WITH INFINITI ABOUT THE ENTIRE ACCOUNT HAVE BERN MISHANDLED AND BALANCE NOT CORRECTED WITH DUE DATE, INTEREST COST OF TO BE ADJUSTED BASE ON CORRECT DUE DATE REFLECTING XXXX NOT XXXX.NOBLATE FEES, NO UNAUTHORIZED REPOSSESS FEES EITHER MUST BE CHARGED.MINUS THE {$36000.00} THE CAR WAS ACTION FOR.YET, THE DISPUTED FRAUDULENT UNAUTHORIZED CHARGES CHARGED AFTER THE VEHICLE WAS PICKED UP INVOLUNTARY BEHIND THE CORPORATE PERSON NOTES AND INSTRUCTIONS LEFTED.INFINITI FINANCIAL SERVICES IS AND MUST BE HELD LIABLE FOR ANY EXCESS CHARGES OR FEES THEY COSTS UPON THEMSELF FOR GOING BEHIND THE CORPORATE MGR XXXX XXXX STATED NOTES TO CORRECT THE ACCOUNT.I AM NOT LIABLE AND WILL NOT BE LIABLE FOR INFINITI FINANCIAL NEGLECT ON TBIS ACVOUNT THAT BEEN IGNORED, MISHANDLED AND WAS KEEP REFUSING TO COMPLETE THE DUE DATE CHANGE ON THE ACCOUNT FROM XXXXAND ALL THE ONGOING DATES AND TIMES WE CALLED AND EMAILED AS WELL FROM THE FINANCE MGRS AT XXXX XXXX XXXX.STILL NO RESPONSE OF THE UPDATED XXXX BALANCE AND THE TRADE LINE NEED TO BE REMOVED ASAP OFF THIS ACCOUNT IMMEDIATELY.NOT LIABLE AND WAS NEVER PASTED DUE, NEVER LATE, NOT LIABLE FOR WRONG DUE DATE REPORTINGS TO THE 3 CREDIT COMPANIES EITHER.THEY NEED TO REMOVED THIS TRADE LINE IMMEDIATELY OFF MY CREDIT. PERIOD.ASAP.ITS BEEN OVER 3MTHS ONGOING I FILED A DISPUTE WITH 3 CREDIT COMPANIESNAND INFINITI REQUESTING THAT THIS INACCURACIES OF LATE MARKERS AND FRAUDULENT UNAUTHORIZED REPOSSESS REPORTING BE REMOVED.REF # XXXX WAS GIVEN AND THEY SAY THEY WAS NOT GOING TO COME FOR THE VEHICLE AT XXXX XXXX INSTEAD THEY WILL FIX THE ACCOUNT DUE DATE AND CREDIT REPORTINGS.THEN THEY WENT BEHIND CORPORATE NOTES BY XXXX XXXX DIRECT PHONE # XXXX WHICH WE CALLED SEVERALLY FOR UPDATES AND SHE NEVER RETURNED THE CALLS AFTER XXXX.YET, SHE CLAIMING THAT THEY SHOULD NOT HAVE PICK UP THE VEHICLE AND PUT NO INVOLUNTARY REPOSSESS ON MY CREDIT.TIRED OF THIS FOOLISHNESS AND UNETHICAL BEHAVIOR WITH NO PROPER INVESTIGATIONS TO GET THE BALABCE TO XXXX BALANCE SINCE THE VEHICLE WAS SOLD FOR MORE THAN WHAT WAS OWED. MINUS ALL DEPOSITS AT SIGNING FOR LEASE WITH OVER 8PAYMENTS THEY RECEIVED.SUBTRACT OVER {$36000.00} CAR SOLD FOR MINUS FROM THE ORIGINAL WRONG AMOUNT REPORTED ON CREDIT XXXX {$38000.00} INSTEAD OF THE RESIDUAL AMOUNT OF $ XXXXSINCE ITS A LEASE NOT A FINANCE VEHICLE.BY LAW ITS STATES WHEN ITS A LEASE THEY CAN NOT REPORT THE FULL CONTRACT AMOUNT OF THE VEHICLE AND ITS NOT FINANCE.IT WAS A LEASE NOT A FINANCE.PLUS THE VEHICLE WAS NEVER REPOSSESS THEY INVOLUNTARILY SOLD IT BEHIND THE DEALER AND INFINITI CORPORATE MGR XXXX XXXX @ XXXX BACK AND IT WAS NEVER A ANY FAULT OF THE CONSUMER DUE TO THEIR INCOMPETENCIES MISHANDLED THE ACVOUNT FROM INCEPTION AND IGNORING ALL DUE DATE REQUESTES AS PER XXXX XXXX.I AM NOT LIABLE AND SHOULD NOT BE.THEY MESS UP AND MUST TAKE ACCOUNTABILITY FOR THEIR AGENTS INCOMPETENCIES NOT BLAMING THE CONSUMER FOR THEIR INCOMPETENCIES.REMOVED THE COMPLETE TRADELINED OFF ALL CREDIT PLATFORMS AND XXXX BALANCE THE ACCOUNT SINCE THIS CONTRACT SHOULD BE NULL AND VOID SINCE THEY VIOLATED THE ENTIRE CONTRACTS LEASE TERMS AND CONDITIONS THAT WAS LISTED.IMMEDIATE EFFECT OF TRADELINE REMOVAL REQUESTED OFF MY CREDIT HISTORY.DO N'T OWE OR LIABLE FOR NO BALANCE TO INFINITI FINANCIAL SERVICES NOR THERE AFFILIATES PERIOD! XXXX BALANCE OWED.NOT LIABLE FOR THIS FRAUDULENT UNAUTHORIZED ACCOUNT LEDGER HISTORY FROM INCEPTION UNTIL SOLD FOR OVER {$36000.00} PLUS ALL PAYMENTS AND DEPOSITS THEY RECEIVED.THEY OWE ME. I DON'T OWE NO ONE NOTHING AND THIS VEHICLE.
06/03/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • NV
  • 89117
Web Servicemember
On XX/XX/XXXX, I was contacted by a salesman by the name of XXXX, who had previously notified me by phone call. I informed XXXX on the previous phone call I was not comfortable trying to purchase a new vehicle as it had only been one year since my last purchase. On the phone call that took place on XX/XX/XXXX, I informed XXXX that I strongly did not feel comfortable purchasing a new vehicle because my credit had suffered since my last purchase and that I also did not have any money to put down. XXXX was extremely aggressive and assure of himself. He was very overbearing and continued to insist he could get a deal done. I drove down to the dealership and was shown only one vehicle as was allowed to only test drive one vehicle in which I later discovered was one of the most expensive vehicles in the lot. It was an all wheel drive model that offered lower gas efficiency than the vehicle I was currently in at that time. I drive for XXXX and XXXX so this is a big issue for me and XXXX knew that I used my vehicle for that purpose. So there was no attempt to sell me a vehicle that met my needs. Once in the sales office XXXX informed me that I needed a down payment to get into a new vehicle and again I informed him that I had no money to put down on a new vehicle. I told him the only thing I had was my 2007 XXXX XXXX and he said that would be fine. I was also coached by XXXX on how much income to state in order to gain approval as according to the general manager I later spoke with no proof of income was needed. By this point, I had been at the dealership for a long time and sitting which greatly increases the level of pain in my back from a previous motorcycle accident. At this point, XXXX brought me a bottle of water and I took an XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. After some time, XXXX came back and said he got the deal done with the trade in of my 2017 XXXX XXXX XXXX ( I owed {$26000.00} and it was to be paid off ) and my paid off 2007 XXXX XXXX with no money down. Not long after XXXX approached me and stated they wanted me to sign a different contract that I would like because it offered me a lower APR and a lower monthly payment. I was not told that a {$490.00} UVP would be added and that my extended service contract for the same car would increase from {$1100.00} to {$1800.00} for the same vehicle. Although my APR went from 8.90 % to 6.90 % and my monthly payment went from {$830.00} to {$820.00} the total amount financed went from {$40000.00} to {$41000.00}. By the time of the second contract, I was extremely tired and a little loopy from my medication so I did not notice the changes and other issues with the second contract, such as under number 7a., there is no credit listed for my trade-in sales tax credit which should have shown # XXXX. Additionally, the second contract was done in the form of an e-contract instead of the standard long form. I had never seen an e-contract before and the format is very different. I first contacted my salesman XXXX on XX/XX/XXXX about concerns with the car. He responded once by phone but stopped responding after. As a result, that evening I drove to XXXX XXXX and I met with a manager by the name of XXXX, who was involved in the sale, about the same concerns. There was no attempt to offer a suitable resolution. On XX/XX/XXXX, I met with a gentleman with whom identified himself as a some form of manager and no longer works there that produced no suitable resolution. On XX/XX/XXXX, I contacted Nissan Motor Acceptance Corporation by telephone to discuss the issue and it was stated to me, by not only the customer service representative I originally talked to but after requesting to speak to a manager him as well, that I needed to resolve the issue with XXXX XXXX although NMAC was the lender who approved the loan based on the fraudulent and misrepresented financial information provided by XXXX XXXX. On XX/XX/XXXX at XXXX, I sent an e-mail to General Manager XXXX XXXX that resulted in being contacted by XXXX XXXX to come in and meet with Mr. XXXX to discuss my concerns. That meeting occurred on XX/XX/XXXX and ended with him throwing a tantrum and storming out of his office. Then a gentleman by the name of XXXX walked in and introduced himself as the Sales Manager. He provided me with his number and informed me to contact him if I had any concerns. I contacted him on XX/XX/XXXX about the discrepancies in the two contracts, in which I still have both copies. He basically down played them, although stating it was illegal for me to be allowed to keep copies of both contracts I signed and that the first contract should have been returned before I signed the second contract. I then contacted both the General and Sales Manager by e-mail on Friday, XX/XX/XXXX at XXXX to inform both the contract was intentionally and deliberately inputted with fraudulent financial information. This is shown in the form of a down payment placed into 7b. of the contract in the amount of {$550.00} cash down payment. I never provided XXXX XXXX with any down payment whether cash or any other monetary form. It is my belief that XXXX XXXX placed this fraudulent amount of a cash down payment into the contract to gain contract and loan approval. At no point in time did any representative discuss a {$550.00} down payment with me nor did I ever provide anyone at XXXX XXXX with a down payment of any kind. I made it very clear to XXXX on several occasions that I could not provide any money down because I didn't have it. So during this entire ordeal, I felt extremely pressured with strong hand tactics by XXXX XXXX to purchase a vehicle I could not afford nor had money to put down or credit worthy enough for such a large purchase. XXXX XXXX was so aggressive in the sale of the vehicle that they deliberately misrepresented financial information onto the contract to gain contract and loan approval. Additionally, it should be illegal for a car dealership to approve a contract based on information from a previous purchase ( in my case two years previous ) without verifying an applicants sources of income because peoples ' income and credit changes over time so the income and credit present during the last purchase of a vehicle might not be the same currently, in which both my credit and income had changed greatly. The contact for XXXX XXXX is as follows in case it is needed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
01/19/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • TX
  • 78745
Web
On XX/XX/XXXX, I was in a car accident that resulted in the total loss of my XXXX XXXX XXXX. On XX/XX/XXXX, I reported the accident to my insurance company, XXXX ; and on or around XX/XX/XXXX, XXXX deemed the vehicle a total loss. On or around XX/XX/XXXX I signed and returned a Power of Attorney that would allow XXXX to talk to and work with Infiniti Financial Services directly, which XXXX did. To my understanding, that same week of XX/XX/XXXX, XXXX sent a check in the amount of {$35000.00} directly to Infiniti Financial Services. On or around XX/XX/XXXX, I contacted Infiniti by phone to find out 1 ) if they received the check from XXXX, and 2 ) when it would be posted to my account. Until that amount from XXXX was posted, I could not engage my GAP insurance. From that phone call with Infiniti Financial Services, I found out that they were missing the Valuation Report, Settlement Breakdown, and copy of the check from XXXX. They would not confirm at that time whether they had the original check from XXXX in hand, but I did relay to XXXX that they were missing those documents. XXXX promptly emailed those documents to Infiniti Financial Services on or around XX/XX/XXXX. The following week, I contact Infiniiti Financial Services again via online chat to find out 1 ) if they had received the check from XXXX, and 2 ) why it had not been applied to my account. They confirmed receipt of the check, but they were holding it because they were STILL missing documentation, although the documentation missing was not included in the original list of documents they told me about on XX/XX/XXXX when I called. Again, I went back to XXXX and asked them to send the Letter of Guarantee that they were missing. XXXX sent that promptly by email on XX/XX/XXXX. On XX/XX/XXXX, I called what I was told was the " supervisor number '' for Infiniti Financial Services. I asked them when the check would be applied because they already confirmed the week prior that they did have the original check in hand. The lady I spoke with went ahead and pushed the last piece of documentation through their system so that they could cash the check. On XX/XX/XXXX, I received email notification that they check from XXXX in the amount of {$35000.00} had been applied to my account. In the same phone call on XX/XX/XXXX, I inquired about my responsibility to continue to pay. I was told that I would have to continue to pay the $ XXXX/month on the car loan, even though the car is totaled. AND, that if I didn't pay within 30 days after the payment was due, they were going to report the late payment to the credit bureaus. I protested that that was not right, especially since I don't have the car anymore, Infiniti Financial Services is aware that the car is totaled, they have a check from the insurance company for most of the loan, they are aware of the GAP insurance coverage I have AND would be sending the necessary documents to them, AND I had already purchased a new vehicle, which of course I would need to pay for. I was told that the system reports the late payment automatically and that I am still responsible for paying, so there was nothing they could do. The following week ( week of XX/XX/XXXX ), I contacted my GAP insurance and they confirmed that they received the documentation needed from Infiniti Financial Services to process the GAP insurance claim. They said they need 7-10 business days to process and payout. Because of the short turnaround, I chose not to pay the $ XXXX/month for the car loan that was due XX/XX/XXXX. I thought that everything would be resolved and paid out before Infiniti Financial Services could report a late payment on my credit. As part of my GAP insurance claim, I had to cancel 3 of the service contracts that I originally selected when I purchased the vehicle in XXXX. 2 of the contracts were with the same company as the GAP insurance, so those were easy enough to cancel. One service contract was directly through the dealership I purchased the vehicle from. I figured out how to get that one cancelled, but unfortunately, that one takes 30 days to process and payout. Because of that, I was up against a wall. I had no choice but to pay {$800.00} on the car loan for XX/XX/XXXX, even though I no longer have the vehicle AND I now have another car note due and payable in the same month. I am in the process of building a home, I can not afford to have any negative marks on my credit report between now and XXXX XXXX. So, I had to make the payment to avoid the negative reporting of a late payment. Infiniti Financial Services, in my viewpoint, has unfair and unreasonable practices, ESPECIALLY during a pandemic situation. I do not understand how it fair for me to still be responsible for a vehicle that I no longer own, that no longer exists, and for which Infiniti Financial Services KNEW from as early as XX/XX/XXXX was totaled and would be receiving compensation for that would pay off the loan in total. I got the car loan and the service contracts directly from an Infiniti dealership. Infiniti Financial Services has been servicing my car loan since I purchased the vehicle in XXXX. So, they are the ones that paid out the service contracts and GAP when I purchased them back in XXXX, so they should KNOW that those would be and had to be canceled and the remaining balance would be returned to them. The fact that they have no problem sticking it to the customer even when there is clear evidence that the car loan will be paid off is ridiculous. Additionally, it is not fair that I have to continue to pay the full $ XXXX/month when the remaining balance of the car loan has been significantly decreased over the last month due to payments received and applied. So far, Infiniti Financial Services has received almost {$40000.00} in payments from XXXX and service contract cancellations, and yet, I'm still responsible for the full $ XXXX/month AND responsible for the payment of the loan even though they know it will be paid off through GAP and service contracts. That's not right. Also, I asked them specifically for the governmental agency to report complaints to. Their response was the XXXX or call Infiniti 's complaint department and ask them. The fact that customer service does not know or is not allowed to give information to the regulating governmental agency is ALSO a concern.
07/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33320
Web
XXXX XXXX and XXXX XXXX XXXX.Lease a vehicle and the due date was requested for the middle of the month.Finance mgr XXXX XXXX XXXX XXXX, sales mgr XXXX was AWARE of the unchanged issue prior to driving out.Came back to returned the car multiple times instead they try to correct the WRONG DUE DATE AT THE DEALER.THEY CLAIMED IT WILL BE CHANGED TO THE XXXX OF THE MONTH.FROM XX/XX/XXXX UNTIL XX/XX/XXXX THEY STILL BEEN REPORTING THE INACCURATE DUE DATE AND NOT ASSISTING ME TO GET IT CHANGED.I BEEN CALLING THE CORPORATE # WITH INFINITI FINANCE BEEN DISPUTING IT AND FINALLY GOT A CALL BACK FROM A NAME XXXX XXXX THAT STATED IT WILL VE RETROACTIVE BACK TO XX/XX/XXXX AS THE 1ST PAYMENT DUE DATE AND SHE WILL CORRECT THE CREDIT REPORTING DATA OR HAVE IT REMOVED. ALSO, SHE HOING YO PUT THE XXXX AND XXXX PAYMENT AT THE BACK OF THE LEASE AGREEMENT AND NO PAYMENT IS DUE UNTIL XXXX.YET, XXXX XXXX IN CORPORATE OFFICE TOLD ME NOT TO TRADE BACK IN THE VEHICLE TO THE DEALER BACK ON XX/XX/XXXX SO THEY COULD GET THIS WRONG DUE DATE RESOLVED AND BACK DATED CORRECT DUE DATE ON CREDIT REPORT AS WELL.IT WAS NEVER DONE.THEY GAVE ME A REF # ON XX/XX/XXXX @ XXXX TO LEFT THE VEHIC LOOK E AT XXXX XXXX DEALERSHIP THEN XXXX XXXX CALLED ME AND SAID DON'T LEFT THE CAR OR TRADE IT IN BACK.GIVE HER UNTIL XXXXTHAT MONDAY TO RESOLVE THE REPORTING AND FIX THE LATE MARKERS OFF MY CREDIT.SHE NEVER CALLED BACK.I CALLED HER SEVERALLY AND XXXX XXXX ANSWER AFTER THEY PICK UP THE CAR ILLEGALLY AND SHE STATED THEY SHOULDN'T AND SHE WAS HANDLING IT AND SHE DID IN FACT MOVE BACK WRONG DUE DATE PAYMENT AT THE BACK OF THE LOAN AS SHE STATED ON XXXX SHE WOULD DO SHE STATED.YET, ITS BEEN OVER 2MONTHS ONGOING DISPUTING THIS ILLEGAL FRAUDULENT PAST DUE REPORTING OFF MY CREDITXXXXINFINITI US STILL REPORTING INACCURATELY ON MY CREDIT OF STILL OWEING OVER {$35000.00} WHICH IS FRAUDULENT CHARGES.I PAID WAY OVER 4PAYMENTS OF {$990.00} PLUS THE 1ST PAYMENT AT THE DEALER SINCE ITS A LEASE FOR XXXX MONTH.YET, THEY STILL REFUSED TO RESPOND TO SEVERAL REQUESTS FOR CORPORATE HEADQUARTERS TO GIVE ME A CALL SINCE THEY CLAIMED THAT THEY WILL SELL THE VEHICLE AND SINCE THE VEHICLE IS WORTH MORE GHAN {$42000.00} AS WHAT WAS OFFERED ON XXXX AT XXXX XXXX INFINITI DEALERSHIP TO BUY BACK THE CAR. THEY CAN NOT TAKE THE VEHICLE BACK INVOLUNTARILY BEYOND MY BACK AFTER THEY ALREADY AGREED TO RETROACTIVE BACK ALL OF THE INACCURATE DUE DATE THAT WAS SHOWING THE 1ST OF MONTH.WHICH SHOULD HAVE BEEN XXXX OF THE MONTH STARTING XXXX AS PER XXXX XXXXI CALLED OVER 100 TIMES OR MORE STILL THEY DID NOT DO ANYTHING.THE DEALER CALLED SEVERALLY FOR CORRECT PAY OFF THEY REFUSED TO GIVE CORRECT AMOUNT SO THEY CAN PURCHASE BACK THE VEHICLE AT {$42000.00} SINCE IT WAS WAY LESS THAN THE AVERAGE MILEAGE USED.FINANCE MGR TOLD THEM I CAN NOT KEEP THE VEHICLE NO LONGER THERE OR THEY OF TO GIVE PAPER WORK FOR THE VEHICLE SINCE THEY REFUSED FOR THE DEALER TO TAKE THE LEASE BACK IN AS A TRADE.THEY TELL ME AND DEALER THEY WILL CONTACT ME. YET, THEY NEVER DID AFTER PROVIDING THE REFERENCE # FIR THE PICK UP FROM THEM OR ALLOW THEM TO PURCHASE THE VEHICLE BSCK SO THE CORRECT DUE DATE C AS N BE UPDATED.THEY TOLD ME TO GO HOME AND THEY WILL HAVE SOMEONE CALL ME AND THEY CAME ON PICK UP THE VEHICLE WITHOUT NO CALL INVOLUNTARY ON XXXX AND REFUSED TO TAKE OFF THE LATE MARKERS OFF MY CREDIT. I NEVER BEEN LATE, DUE DATE WAS NEVER UPDATED, BALANCE MUST BE XXXX, TRADE LINE WAS NEVER REMOVED OFF AS THEY STATED SINCE THEY SHOULD NOT HAVE PICK UP THE CAR INVULANTARY AS WHAT XXXX XXXX STATED ON XX/XX/XXXX AND AFTER THEY PICK UP THE CAR BEHIND HER BACK AS WELL WHILE SHE WAS TRYING TO FIX THE DUE DATE ISSUES THAT WAS BEING REPORTED INACCURATELY FOR THE PAST 3MONTHS ON ONGOING.KEEP IN MIND I PAY WAY BEFORE THE XXXX OF THE MONTH PLUS THEY CLAIMED YOU HAVE 15DAYS AFTER THAT. YET, THEY WENT BEHIND OUR BACK AFTER GIVEN US A VULANTARY REF SURRENDER # SINCE THEY REFUSED TO MAKE THE XXXX XXXX TO BUY BACK THE LEASE FROM THEM TO CORRECT THE ISSUES.THEY INSTEAD WENT AND GET THE LEASE VEHICLE AND STILL REPORTING MORE THAN TGE ACTUAL RESIDUAL AMOUNT OF HALF OF THE ORIGINAL PURCHASE AMOUNT THAT SHOW LESS THAN {$26000.00}. NOW ITS BEEN OVER 60DAYS ONGOING AND THEY STILL DID NOT UPDATE THE BALANCE TO XXXX SINCE THE LEASE VEHICLE WORTH WAY MORE THAN WHAT WAS ORIGINALLY LEASED AND CONTRACTED WHICH THEY FRAUDULENTLY BEEN REPORTED WRONG EACH MONTH FROM 113020.THE VEHICLE AMOUNT IT SOLD FOR IS STILL NOT DISCLOSED TO THE CREDIT REPORTING AGENCY NOR ME AND ITS BEEN OVER 60DAYS NOW ONGOING.I CALLED ACTUAL EVERYDAY AND KEEP GETTING THE RUN A RUN EACH TIME.THIS IS RIDICULOUS, THEY NOT RETURNING MY CALL NOR SENDING ANY ACCURATE IPDATE OF WHAT THE WAS SOLD FOR AND REMOVED ALL THE WRONG DUE DATE MARKERS OF EVER BEING LATE OFF CREDIT REPORTS AS WHAT BEEN DISPUTED MULTIPLE TIMES WITH ALL AS GENCY EVERY MONTH. THEY REFUSE TO COMPLY WITH ME OR THE 3CREDIT REPORTING AGENCY AS EXPERIAN KEEP REQUESTING AN ACCURATE TRADE LINE UPDATE AND STILL NOTHING AS YET.THIS BEEN REPORTED FRAUDULENT DISPUTED CHARGES FROM XXXX WRONG REPORTING EVERY MONTH UP TO NOW BALANCE STILL INACCURATE. NEVER OWE OR EVER BEEN PAST DUE. THIS WAS A LEASE AND I DON'T GOT THE CAR NOR LIABLE FOR NO FRAUDULENT CHARGES THEY ARE STILLING REPORTING. THERE MUST NOT BE NO PAST DUE AMOUNT SHOWING ON MY CREDIT. NOR NO REPOSSESSION/ FORCLOSURE AS WHAT THEY BEEN REPORTING FRAUDULENTLY AND HARASSING MY CREDIT FROM XXXX WITH ALL FRAUDULENT INACCURATE INFORMATION REPORTING EVERY MONTH. THEY NEED TO PROVIDE ACCURATE DATA OR REMOVE THE TRADE LINE IMMEDIATELY NOW. I BEEN CALLINGSEVERALLY TO THE CORPORATE # AND SPEAK TO SEVERAL SUPERVISORS AND STILL NO CORRECT UPDATE TO REMOVE ALL FRAUDULENT REPORTING OFF MY CREDIT REPORTS IMMEDIATELY. I WILL SURELY NEED YOUR URGENT ATTENTION IN THIS MATTER NOW.INFINITI FINANCE IS THE WORST COMPANY OR FINANCE COMPANY TO EVER THINK TO DO ANY BUSINESS WITH. THEY GOT TGE LEASE VEHICLE BACK YET THE CREDIT BALANCE NOT CORRECTED, THE WRONG DUE DATE NOT STILL CORRECTED BACK TO THE XXXX THE 1ST PAYMENT DATE.THEY VERY RUDE AND DISRESPECTFUL. NO CALL BACK AND THEY KEEP HANGING UP ON ME.ITS BEEN OVER 2MONTHS THE VEHICLE BEEN SOLD NOW. YET THE BALANCE REMAINS INACCURATE. ALL LEASE MONTHS PAYMENT NOT SHOWING EITHER.WICKED SET OF PEOPLE. I NEED MY LIFE BACK NOW.
09/22/2018 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Vehicle was damaged or destroyed the vehicle
  • TX
  • 75067
Web Servicemember
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.
08/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30622
Web Servicemember
OnXX/XX/2020, I sold the XXXX XXXX XXXX I had financed through Nissan Finance/NMAC. Nissan Finance had sent out a notice that, due to the corona virus, no late charges nor penalties would be applied for the months of XXXX and XXXX regardless of whether you contact them to ask for assistance or not. They now have different things listed on all three of my credit reports but, essentially, theyre showing my payments as delinquent and even that I still owned the vehicle into XXXX and XXXX. I have the proof that it was sold ( traded ) in at a local dealership in everything from the official sales paperwork to the Motor Vehicle Registration official approval date to transfer the tag over, which is listed asXX/XX/2020. The state wont provide that without showing proof of the exact day of sale. I can also provide Nissan Finances information they sent out and had on their website regarding the no penalties for XXXX and XXXX. I even contacted them to confirm the information was accurate and would be applied to my account if I sold the car by the end of XXXX. They confirmed no late penalties nor negative reports would be made if the car was caught up or sold and paid off before XXXX. Both myself and the person representing the dealership where I traded it in at were on speaker phone with Nissan Finance on XX/XX/2020to confirm the sale and transfer everything over to them and at that time they said there werent going to be any issues and confirmed nothing would show as late, much less 30+ days delinquent. Ive called Nissan Finance since this credit report mess started where theyve now caused my scores to drop by up to almost 70 points right as I was trying to buy a house almost two months ago but they still havent fixed the inaccurate and damaging information. Every time Ive contacted them I gotten some kind of run around. The first was that no supervisors/managers were available because of COVID-19 work-at-home status and the most recent was that they had to go back and trace my original request date and it would take up to a month to hear back. Its been over a month and, not surprisingly, I still havent heard a single thing from that department nor any other within the company nor have my credit reports been fixed. Even the account closed dates are wrong. XXXX is showing it as still open 2 months after it was paid off and closed! On top of all of that, since my monthly payments were not due until the XXXX of every month, even if they want to try to say they decided to revoke the Corona virus extensions I had already confirmed with them, my paying it off completely on the XXXX of XXXX still wouldnt put me anywhere close to over 30 days late. If they do want to argue that they canceled the Corona virus program without bothering to tell me, the absolute max they could claim is from XX/XX/XXXX - XX/XX/XXXX which would only be 12 days late. Their refusal to fix such an obvious mistake made by someone within the company just doesnt make any sense. Below is what each company is currently reporting, all of which are incorrect : XXXX - Over 30 days late for XX/XX/XXXX2020, on time for XX/XX/2020 and on time for XX/XX/XXXXXX/XX/XXXX. The account was closed on XX/XX/XXXX so the XXXX and XXXX shouldnt even be on there at all. Then with the the XXXX part, it goes back to what I wrote above about my payments not even being due until the XXXX of every month so the max days late would be 12, not 30. XXXX - Shows XXXX as 30-59 days late and then on time for XXXX. It specifically states the account was paid off and closed on XX/XX/2020 Again, even if Nissan Finance wants to argue that they decided to revoke the Corona virus extension that was supposedly offered to everyone and I specifically contacted them to confirm, if the account was paid and closed on XX/XX/2020, it could not have been more than 14 days late, not 30-59 days late. XXXX - They have XXXX marked as 30-59 days late. They are the only one out of the three credit bureaus that has it identified as closed in XXXX which is one less inaccuracy than the others but its an even more glaring inaccuracy because showing it closed in XXXX is proof in and of itself that it falls within theIr Corona virus assistance program. However, same as the other two, if they want to argue they canceled their Corona virus assistance, the absolute max days late would be 13. Again, none of them were late at all because Nissan Finance had their Corona virus assistance program going in XXXX and XXXX. They should all show paid on time for every single month ( including XX/XX/XXXX 2020 ) and account paid off and closed on XX/XX/XXXX2020. I had never made a late payment, not once in the almost 4.5 years the account was open. Apparently, this is how they show their appreciation to those who paid them on time for the entire time until the loan was paid off and the account closed. If Nissan Finance/NMAC actually cared about their customers, this wouldve been fixed immediately when I brought it to their attention but it wasnt and now my mom, who has XXXX, is suffering even more because I wasnt able to buy a XXXX XXXX house when it hit the market thanks to the unexpected drastic drop in my credit scores. Right now, she cant move around without having to worry about falling down the stairs constantly. She definitely cant use her XXXX at all. Nothing in our current home is on the same level so food, bathroom, bedroom, doors to outside, etc all require going up and down stairs. Since truly XXXX XXXX housing that fits our price range doesnt come up for sale anywhere near where we live very often, theres no telling when well be able to find somewhere she can be safe. It took almost a year for that one to pop up. Nissan Finances careless reporting and refusal to own up to and fix their blatantly obvious mistakes caused us to lose that opportunity to buy a house that wouldve fit our needs and, subsequently, they are subjecting my sick mother to even more pain and agony for no telling how much longer.
06/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 20782
Web
I would like to file a formal complaint with the Consumer Financial Protection Bureau against XXXX XXXX XXXX and lenders for engaging in deceptive business practices, racial profiling, enabling and assisting their preferred lenders to charge higher interest rates to minority consumers with excellent credit. I am in receipt of my XXXX, XXXX, XXXX XXXX credit reports dated XX/XX/XXXX, I noticed the following credit inquires on my report : ( See attachment ) The ( 5 ) five following unauthorized hard inquires which impacted/lowered my credit scores were placed on my credit reports by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX, ( XXXX ) -XXXX, without my knowledge or consent : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX NMAC XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX On XX/XX/XXXX, I went to this dealership to look at and possibly purchase an advertised XXXX XXXX . Although I had arranged for my own financing I was told in order to discuss and agree upon pricing I had to complete an application, I could not negotiate a deal without first completing XXXX application. I specifically and repeatedly told the salesperson I did not want to run credit reports, place any unnecessary hard inquires on my reports which would had an immediately impact on my credit scores or apply for any credit with their lenders, just wanted to negotiate and agree upon pricing on a vehicle. We could not reach an agreement on pricing and by the time I returned to my residence I received several notifications from credit protection companies someone had accessed credit reports/files without my consent or knowledge. XXXX first deceptive business practices was their advertised price of the car which included rebates with full knowledge 95 % of the consumers would not qualify for said rebates therefore could never obtain said car for their advised pricing. XXXX second deceptive business practices demanding the consumers complete lending applications just to obtain actual selling price of their vehicles even if consumers had arranged their own lending/financing. XXXX refused to disclose the actual sale price of their vehicles unless consumers obtained financing though their preferred lenders and complete application. I immediately reached out to XXXX XXXX and inquired who authorized the credit checks, why applications were sent to several different lenders without the consumers consent with full knowledge of immediate impact on consumers credit scores without an commitment or authorization for actual purchase. XXXX third deceptive business practices was refusing to provide the consumers with copies of applications, companys response or acceptance of said loan showing finance rates charged, instead roll this cost into the pricing of the vehicle and never disclosed the actual finance rates. After I filed several complaints I obtained copies of financing agreements. Although I had excellent credit with no late, missed payments or negative accounts all of their lenders wanted to charge up to 8 % percent finance rates when I qualified and obtained 3 % percent rate and was offer 0 % down 0 % finance charge on a new vehicle by other lenders. XXXX fourth deceptive business practices steering consumers to preferred lenders with full knowledge minoritys consumers with excellent credit would be charged a higher finance charge/rate and attempted to lock consumers into lenders higher rates by placing multiply inquires on consumer reports with full knowledge of the impact on credit scores. XXXX fifth deceptive business practices denying consumers the right to accept or decline lenders offers/finance rates prior to submitting applications to additional lenders and refusing to disclose simultaneous application would cause multiple inquires immediately lowering the consumer credit without an actual purchase. I reached out several times to owners, management and lawyers representing XXXX XXXX all promised to contact credit bureaus, remove all hard inquires. To date this has not happen impacting my credit scores and blocking my ability to obtain financing at lower rates. See attached email dated XXXX XXXX, Finance Director, XXXX XXXX letter dated XX/XX/XXXX. I am requesting with the assistance of XXXX XXXX the following Lenders immediately contact all credit reporting agencies and remove the below listed inquires from my report. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX NMAC XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Please be advised some will argue hard inquires can not be removed from consumers credit reports which is inaccurate. The Federal Government ruled inquires are considered inaccurate information if not authorized, therefore can be removed upon directive from parties who placed said inquire. I also asking all lenders send request to credit reporting agencies via certified mail and return receipts showing verification letters were actually sent and received since this action was promised almost a year ago. Unless the lenders can prove an request was sent, received and acknowledged by credit reporting agencies and their removal requests were denied or refused I am holding all parties liable for blocking financial transactions, ability of the consumer obtaining lower finance rates. I am also seeking damages in the amount of {$2000.00}, for each unauthorized inquire from all parties involved in this deceptive business practice and blatant violation of the FCRA. Thank you in advance for your assistance and cooperation with this matter. I look forward from hearing from your office. Please let me know if you are in need of any additional information to assist processing this complaint. Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Email : XXXX Phone : ( XXXX ) XXXX
04/01/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • TX
  • 75068
Web Older American
On Saturday, XX/XX/XXXX I bought an SUV from XXXX XXXX in XXXX only to discover on Monday, XX/XX/XXXX, when I took it to my mechanic in XXXX XXXX that it had a huge oil leak ( about 2 cups of oil was in the oil pan ), all tires were unmatched and there were several other problems. My mechanic wrote out the issues and stated that they did not recommend I buy the car. I returned to XXXX XXXX of XXXX and they offered another car but I felt it was too small for me. I said I had to think about it and would come back the next day. So the next morning, XX/XX/XXXX, I checked my computer and found a XXXX XXXX at XXXX XXXX of XXXX. I called to see if car was available and it was. I said I was an hour away in XXXX XXXX and would come right down to see it. I arrived one and a half hours later. When the sales person requested the car be brought around, lo and behold it had already been sold. I was not happy as I was hoping to quickly get a car to replace the SUV that I was going to return. XXXX then offered me a XXXX XXXX XXXX ( vin:XXXX XXXX ) The car looked brand new and only had XXXX miles on it. It did a great test drive. I thought XXXX was too far for me to take car to my mechanic before I purchased it ( though I didnt think to ask ). We negotiated a deal, finally, but I had previously told them I felt I had been caught in a bait and switch, so that is why I thought they had worked so hard to get the payment down to what I could afford. For me to take the car that night XXXX had 2 employees drive the XXXX to XXXX XXXX and take another car also so they could get back to XXXX. I drove the SUV I was returning to XXXX XXXX. The XXXX dealership said they had expected me to return the SUV so gave me no problem in cancelling the loan and gave me a check for my {$1000.00} deposit right then. The next day I took the XXXX to my mechanic. He found a weak battery plus 4 pending computer codes. ( see print out attached ). When I took the car back to XXXX XXXX they replaced the battery with a new one with no problem. However, XXXX XXXX had no idea why there were 4 pending computer codes for the car but said that the new battery would probably reset the codes and that if I were to have a problem it would show up within 50 miles, which is the distance back to XXXX XXXX. A week later I drove back down to XXXX XXXX to pick up license plates and emission sticker. About a week after that my check engine light came on for about 4 hours, then went off. This was in the evening. The next morning I called Nissan, talked to the service center, and explained the light was no longer on. I was told to bring it down and they would check it out. So I did. When I arrived, the service manager was irritable and said they couldnt check for anything as there was no light on. I stood my ground, explained my earlier phone call, and again pointed out the pending codes. He finally took the car back to check it. He came back to say they found nothing and that the Nissan machines are not set up the same way XXXX code machines were. He said if I had any more problems I should take the car to XXXX of XXXX. By this time I had put 400 miles on the car just driving 4 round trips from XXXX to XXXX XXXX within 5 weeks. My first payment was due XX/XX/XXXX. I made that payment on XX/XX/XXXX. The next morning I drive the car from the front of my apartment complex to the other side of our pool area. No problems. I get items from my garage, back my car out of a parking place and turn it a quarter turn in order to go forward out our gate. The car would not go forward, just revved. The car would only go backward so I backed it into a parking slot and called my mechanic, then had XXXX tow my car to the shop. The problem? The transmission needed to be repaired or replaced for between {$1200.00} to {$2000.00}. I called XXXX XXXX. They had the car picked up and towed to XXXX in XXXX. XXXX quote to repair transmission was {$4900.00} and to put a new one in was {$5000.00}. I thanked them for the information but said I was not paying for it and to talk to XXXX XXXX. XXXX refused to pay for it, or get me another car, or even give me a rental car while they worked it out. That was when I told them I had stopped payment through my bank for my first car payment. They told me I could not do that. I also told them I had talked to the loan company ( XXXX ) who stopped all the auto-pays I had set up and noted the problem with the car and that I did not have it in my possession. I told XXXX I wanted to cancel the loan and they had no problem doing so. They just needed a form from XXXX and said it would not impact my credit as long as XXXX sent in the loan cancellation form. XXXX has refused to send it in telling me I can not cancel the loan. The General Manager, XXXX XXXX, on XX/XX/XXXXscreamed and yelled at me over the phone and said it would ruin my credit to not make a payment or to cancel the loan. They refused to find me another car or a rental car. We have not talked since. XXXX XXXX of XXXX. ( Dealer Number XXXX ) ( Contract number XXXX ) My mechanic also gave me a XXXX XXXX XXXX XXXX that was issued XX/XX/XXXX. It states that the XXXX XXXX XXXX, along with 5 other car types have a transmission issue if the car only goes backwards or have other shift issues. The problem is caused by the control solenoid valve assembly which must be replaced. If my small town mechanic could easily access this information so could XXXX XXXX. I contend that they knew of this transmission issue but they sold the car anyway. They do not want to cancel the loan as they would be left with this car and have to refund XXXX over {$8000.00}. Yet they have no problem, apparently, of trying to make a senior citizen pay an additional {$2000.00} to {$5000.00} to get a working car. You know, if I could afford to put {$5000.00} more in a car I would have bought a newer car!
02/04/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • CA
  • 94568
Web
Below is a summary of events involving our account, detailing how Nissan Motor Acceptance Corporation ( NMAC ) failed to timely invoice our account for amounts owed, resulting in avoidable late fees / charges from a third party, as well as duplicative and excess charges from NMAC. In XX/XX/XXXX, my wife and I drove our leased vehicle through Texas, incurring tolls of {$15.00}. The XXXX XXXX XXXX XXXX ( XXXX ) subsequently mailed a bill for that amount to the XXXX. XXXX address of NMAC, on XX/XX/XXXX. Neither my wife nor I received a bill from NMAC, on our billing statements or separately, for this amount. On XX/XX/XXXX, the XXXX sent a Notice of Nonpayment to NMAC at the same XXXX XXXX address ; for the original amount owed of {$15.00} plus a {$10.00} administrative fee. The amount owed on this notice was invoiced to our account four months later, on our statement dated XX/XX/XXXX. NMAC added a {$2.00} administrative charge to that bill for a total of {$27.00}, which was promptly paid on XX/XX/XXXX. In addition to adding the amount to our statement, NMAC mailed us a letter notifying us of the reason for the charge and included a copy of the Notice of XXXX. In reference to case / reference # XXXX, I am disputing all amounts paid on the referenced account in relation to charges from the XXXX above {$15.00}, and request an immediate refund, on the following basis : The XXXX mailed to NMAC a billing statement for {$15.00} on XX/XX/XXXX. NMAC failed to take timely action to pay the bill in full prior to the due date. In addition, NMAC failed to notify me or my wife of the original charge, preventing us from settling the amount in a timely manner. When NMAC did notify us of the charge, they only did so after late fees had been imposed and well after the original due date. NMACs negligence not only resulted in late fees / charges and wasted time for me and my wife to resolve this matter, but also put us in legal limbo with the XXXX. An unpaid traffic citation could have resulted in additional fines / penalties if either of us had been in the state of Texas, as well as other legal ramifications. This is a matter that XXXX must take seriously not only for the financial protection of consumers, but also because of the legal implications. On XX/XX/XXXX, NMAC sent my wife and me a second letter notifying us of a traffic citation from the XXXX. The letter included a Third Notice of Nonpayment from the XXXX, with an amount due of {$50.00}, comprised of the original charge of {$15.00}, the {$10.00} fee from the original Notice of Nonpayment, and an additional {$25.00} fee. This amount has also been added to our account billing statements. Not only was this strange because I believed I had settled the matter when we paid {$27.00} in XX/XX/XXXX, but it was also strange that this was the third Notice of Nonpayment from the XXXX ; yet it was only the second piece of correspondence that had been forwarded to us by NMAC. On investigation, I found that the XXXX had mailed a Second Notice of Nonpayment, for an amount owed of {$50.00}, on XX/XX/XXXX, to NMAC at the same XXXX XXXX address as the previous two notices. This notice was never forwarded to my wife nor me by NMAC, nor was the amount owed added to our billing statements. I then found that the Third Notice of Nonpayment, which my wife and I were forwarded along with the letter from NMAC on XX/XX/XXXX, was actually provided by the XXXX to NMAC on XX/XX/XXXX, again four months before it was forwarded to me for payment. I found this information, as well as the information related to the original bill and the original Notice of Nonpayment, by contacting the XXXX directly on XX/XX/XXXX. I also learned, from contacting the XXXX, no further amounts are owed in relation to the toll or any associated citations / fees after XX/XX/XXXX, the date that NMAC sent a check to the XXXX for the amount of {$27.00}. In relation to reference / case # XXXX, I am disputing the full amount of {$50.00}, and for the record I will not be paying this amount as long as it shows as due on our account, for the following reasons : as the attachments A, B, D, and E clearly show, the charge of {$50.00} is in relation to the same charges referenced above which were paid promptly by me on XX/XX/XXXX, after I was notified of the charge by NMAC. NMACs failure to promptly notify me of the charges and take appropriate action to prevent late fees / additional charges prior to that date is not my responsibility, and stems back to NMACs egregious failure to notify me of the original amount owed of {$15.00} back in XX/XX/XXXX. In addition, the XXXX recognizes the amount of {$27.00} paid by check on XX/XX/XXXX and does not show any further amounts owed. For NMAC to collect an additional charge from me of {$50.00}, multiplying amounts already paid, for the supposed purpose of paying amounts that are in fact not owed, is plain thievery. It is needless to say that I am extremely disappointed in NMAC for the clear negligence and failure to act responsibly in this case. I contacted NMAC by telephone twice on XX/XX/XXXX in an attempt to dispute these charges and resolve the matter. In the first instance, the NMAC representative was combative and refused to assist in the situation other than a vague commitment to an investigation ; furthermore, the representative would not commit to taking the same steps that I took today in contacting the XXXX directly to determine the root cause of the charges and follow the trail of correspondence and payments. The second representative was helpful, providing me with the case numbers and assuring me that she was escalating a complaint on my behalf.
10/14/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem related to refinancing
  • CA
  • 92530
Web
Hello, I'm trying to get in touch with someone on a corporate level about the XXXX XXXX dealership located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I originally financed a pre-owned XXXX XXXX XXXX which I was told had just been traded in earlier that day. The XXXX experienced a pre-mature timing chain problem which corporate worked out a resolution with for me. Shortly after, the turbo went out and I was told there was engine damage and the dealership told me it wasn't worth repairing and to trade it in for a new XXXX XXXX ( XXXX model at the time ). I strongly believe the dealership did not fully inspect the XXXX before selling it to me because they wanted a quick sale. As a result, I have been paying off the loan through XXXX for a lemon vehicle that I only got around XXXX miles of use out of for a $ XXXX vehicle and a {$4000.00} down payment. I feel completely robbed as a result of this transaction when I was seeking an economy vehicle as a working student. The XXXX experience aside, I was told that the trade-in for the XXXX XXXX could be refinanced in one year to lower the payments. I am currently paying {$530.00} a month and am a full-time working student whose job requires a working vehicle. I felt I had no choice but to trade-in because the service center told me the XXXX was not worth fixing as the costs would exceed the value. Several unethical issues are apparent at this dealership besides the initial sale of the XXXX. Firstly, the XXXX XXXX had a recall that I immediately scheduled an appointment for upon receiving the notification. The dealership gave me back the vehicle without a working radio and the steering wheel buttons were entirely unusable. I immediately contacted them to resolve the issue and was told that they needed to order a new part. This was in XXXX of this year. I brought the XXXX in to the dealership over four times and called over 10 times over the course of seven months -- each time the service center claimed they had the part and upon dropping the vehicle off, they didn't have it and sent me home. I took that time off from work and wasted countless hours waiting for the problem to be resolved based on false information from the service center. I strongly believe the dealership continuously forgot to order the part throughout that seven month time frame and instead of admitting it, wasted my time as a customer. The final time I took it in they told me they needed to keep it for a few days because they had to order the part ( again ). The problem is finally resolved, after seven-eight months, however this simple recall has cost me a substantial amount of income due to being told to bring it in and them not having the part, telling me they need to order it still and waiting at the dealership. Secondly, when I initially bought the XXXX I was told that I receive free oil changes for life at this location. The service advisors claim there is no record of this. This was unethical and a blatant lie from the sale 's associates to get a sale. The service advisors also offered me a discount towards my next service if I took a survey and answered all of the questions according to a screenshot they texted me that had the answers all filled in in the multiple choice bubbles. I did not take the survey as sending a customer correct answers to boost their rating is unethical. Finally, I went back to the dealership the other week after a sale 's associate called me ( I didn't contact them first ) and said that he could refinance the car to get me a lower interest rate. Instead, they tried to get me to trade-in, again, after claiming they couldn't refinance after all. I spent five hours at the dealership just to deal with more roundabouts from XXXX XXXX and unethical business practices. After I declined trading in I was told by the finance manager that I could take out a Nissan credit card to pay off a projected {$7000.00} to make it possible to refinance the XXXX XXXX or voluntarily surrender it to the dealership and take out a new loan on a new XXXX XXXX. Again -- I went in to refinance as I was told when I had first bought the vehicle I would be able to do in one years time. Due to them reaching out first, I assumed they were following up with that promise. I know this has been a long email and a lot to take in. I'm a working student who lives on less than {$30000.00} per year and came in to this dealership for a working vehicle. I have lost countless days of work, time, and dealt with false information and unethical recommendations after they sold me a lemon, refused to take any sort of accountability, continue to hold me accountable to that negative equity ( I'm paying off a car that I couldn't use still to this day ), and continued to waste my time with the recall for the XXXX and false refinancing promises. One of the associates claimed he wouldn't make any money on me trading my XXXX XXXX for a different model and that it would only count as a sale for the store because it was going bankrupt. I don't understand why a business would even tell a customer that. Please look at my loan history and see how much I have paid your company for ONE working economy vehicle. I have already paid that, and then some and yet I'm stuck with ridiculously high payments on a car I was coerced into getting while paying off the loan for a lemon they sold me. I urge XXXX corporate to be accountable on behalf of their XXXX location and work out a fair loan renegotiation with me based on everything I have endured as a result of this unethical location. I have been accountable as a customer ; it's their turn.
12/02/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • CT
  • 06517
Web
Hello, I would like to request help with getting answers from Nissan Motor Acceptance Corporation XXXX XXXX XXXX in regards to loan fraud. On or about XXXX XXXX, XXXX I was approved for a loan in the amount of {$32000.00} from there company. I want answers as to why they did not check my credit score, verify my income before approving a loan to me. I notified this company about the fraud and deceptive action of XXXX dealership when I became aware of their action. Which allow me to sue XXXX on XXXX XXXX, XXXX for what they did to me. Which was lie on my loan application in order for them to sell me a car with a markup price. I feel because I am XXXX XXXX and women that is why they took advantage of me. But I also feel that XXXX bare a lot of responsibility because they did not check my credit nor did they verify my income. Because if they would have done that they would have seen that I had a car loan taken out XXXX XXXX, XXXX total selling price {$37000.00} that was financed by XXXX. furthermore, verifying my income would have revealed that I was only collecting Social Security income, child support of {$110.00} per week for XXXX kids and working as a childcare provider for {$150.00} per week. as well as collecting about {$250.00} foodstamps. They did not follow the lawful way of proving me with a loan when they did not check me out before to see if i would be able to pay that loan. moreover, if that would have been done i would not have qualified for such an expensive loan vs my income ratio. I feel as a consumer that i would rather be denied a loan than been cheated by a dealership and finance company. For them to gain a profit off of a low income XXXX person. XXXX has a duty under the law to the Truth in Lending Act to ensure that a consumer are treated fairly by a business. Which I feel did not happen in my situation. The car payments that I agreed to on contract was {$470.00}. But somehow it went from that amount to first payment being {$240.00} on XXXX XXXX, XXXX. Then XXXX XXXX, XXXX it was {$470.00} then XXXX XXXX, XXXX it was {$490.00}, then XXXX XXXX, XXXX {$470.00} then XXXX XXXX, XXXX {$490.00}. To date my payment has been about {$490.00} a month that I did not agree to. I did not add this to complaint to XXXX because I just realized this as I was going threw my documents to write your company. But I will be asking them hope I could get a honest answer. I had a refund of Gap and Extended warranty on XXXX XXXX, XXXX in the amount of {$750.00} and {$2500.00}. Due to me declining that during the deal and it being added anyway. Even with that money being applied to principal balance that is when I notice that my payments went up to {$490.00}. As well as my maturity date still being XXXX/XXXX/XXXX. I need for XXXX to answer how do I pay more when I had {$3200.00} applied. As well as making payments in the amount of {$400.00} on XXXX/XXXX/XXXX and {$150.00} on XXXX/XXXX/XXXX also {$300.00} on XXXX/XXXX/XXXX After checking online an seeing other customer complaints in reference to billing issues, XXXX American settling Bias suits against this company reassured me that my gut feeling that told me that I was being treated differently than XXXX American. Especially after hearing from XXXX American with the same car as mine paid like {$250.00} to {$400.00} less than me. As well as my cousin XXXX XXXX XXXX XXXX telling me she 's paying {$600.00} a month for a XXXX XXXX and still owe about {$29000.00} after 2 years of payments. Also reading XXXX XXXX, XXXX, the XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX Tennessee was granted final approval of the settlement of the class action against XXXX. Cause of discriminatory credit pricing system under which minorities typically pay more than similarly situated white buyer. Which they call it markups and that is what happen in that case. XXXX should be held responsible for the action of the dealership for allowing and financing the markup of about {$10000.00} for a car MSRP {$23000.00}. When I sat down at the closing table I should n't have been set up to fail with an auto loan I could n't afford. Furthermore, dealing with a business I expected to be treated fairly which did not happen in my situation I was defrauded. I am current on my car payments because I do n't want to ruin my credit any more than it is. Due to the first scam that XXXX pulled on me which resulted with a repossession of the first vehicle they sold me. All I wanted for these people is to treat me with dignity and respect and honesty in this deal. The reason I brought this car was because I never owned a brand new car. So once XXXX of my XXXX kids graduated high school I felt I deserved a new car considering I raised my kids as a single parent. And never having anything new due to having to take care of my family. But instead it turned out to be a nightmare. If XXXX abided by the law I would not be in this position so I am asking to be made whole. XXXX breached our contract due to fraudulent action on their part of the loan process. I attached the letter with my demands from XXXX as a resolution to this problem.
02/17/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 34695
Web
Nissan Motor Acceptance Corp did not respond to any of the consumer violations in my previous complaint, instead they merely provided copies of a reply to an older complaint with a different agency, that reply did not address any of the consumer violations they committed. The older complaint with a different agency has been amended, that agency is now investigating the violations brought up in the amendment. Please have NMAC reply specifically to the consumer violations made in this complaint. As a joint borrower on a used auto loan with Nissan Motor Acceptance Corp. ( NMAC ) ; the other borrower was my daughter and received the vehicle. She is paying the loan via auto-pay directly from her bank. Per the NMAC loan agreement I accept responsibility for the loan and payments if she is unable to pay for any reason. I was told by the dealership submitting the loan I was co-signing the loan, not co-borrowing, this mattered in that at the time I didn't think much of it when I didn't receive completed copies of the loan documents nor did I receive any communications about the loan or its status afterwards. Ten months later, due to the problem I am writing about and will describe, I received copies of the loan documents showing I am a co-borrower, not a guarantor, or co-signor. This is important because as a co-borrower NMAC violated my rights under consumer laws and protections in several ways, not provided me copies of the loan documents, not providing any communications regarding the loan or its status, and not giving me any option or choice to receive any communications regarding the loan or its status. This all came to my attention when I received a notice on XX/XX/2020 from a bank I had a credit account that it was being closed due to an issue in my credit report. Up until that point I had a perfect credit record for over 30 years. When I checked my credit report I saw NMAC reported late payments for XXXX and XX/XX/2020 ( unknowingly to me something had gone wrong with my daughters auto pay which is not the issue of this complaint ). I immediately called NMAC on XX/XX/2020 at approximately XXXX and spoke to XXXX . I asked her why didn't I receive any communication from NMAC about the missed payments so that I could make the payment per the agreement and protect my credit rating. She confirmed on that call there was no record of NAMC trying to contact me via any means about the missed payments. I explained the importance of one 's credit score and asked her how could I be expected to make a payment if they did not inform me the co-borrower 's auto payment failed? She told me she would put all of that in the notes regarding our call, including that she found no record of NAMC trying to contact me about the failed autopay and the risk of the loan being late. She also said in order for NAMC to remove the stain on my credit report I'd have to submit a dispute with the credit reporting agencies, the credit examiners at NMAC would be able to review the notes she made in conjunction with their review of my dispute. I tried disputing the report three times, XXXX, XXXX, & XX/XX/2020 in conjunction with calling NAMC each time, in spite of what I was told on the phone by XXXX XX/XX/XXXX XXXX and XXXX XX/XX/2020 XXXX, and XXXX XX/XX/2020 XXXX, the late payment stood however, I noticed they changed the description of my loan responsibility from a guarantor/co-signor to a joint borrower. As I said earlier in my complaint I originally thought I was guaranteeing the loan, it was only in XXXX, ten months after the loan origination, when I received the loan documents requesting them for three months, that I learned I was a co-borrower. As a co-borrower I should have received copies of the signed contracts after they were approved, I did not, and I should have also been given the same option as the other co-borrower to choose a preferred form of communication regarding statements and the status of the loan, I also did not get that option or any communications whatsoever about the loan until I learned and complained about the stain on my credit 8 months later. The first loan statement I received was nine months after the start of the loan in XX/XX/2020 ; it took two more months and multiple requests to receive copies of the loan documents I had signed. While NMAC clearly violated consumer laws and protection not sending me the signed agreements, nor communicating the loan status, or even giving me an option to receive loan status communications ; my primary concern is the late payments they reported to my credit, which was until then was perfect. Any reasonable co-borrower would expect to be informed by the lender if the auto-pay by the other co-borrower making the payments had lapsed, in order to have the chance of making the payments thereby protecting their credit score. I was never given this chance, nor did I have any reason to believe there was a payment problem. Had NMAC simply contacted me which they were obligated to do because I am a co-borrower, the payments in would have been made promptly.
10/29/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • GA
  • 31833
Web
On XX/XX/XXXX I went to look at a XXXX XXXX XX/XX/XXXX used SUV on the lot at XXXX XXXX XXXX Georgia. When I got there I informed the 1st person that talked to me his name was XXXX that I had emailed with XXXX XXXX and XXXX XXXX and that I had my own financing of up to {$14000.00} he joking said {$15000.00}. He got XXXX out to talk to me and I informed him of the financing and he opened the vehicle for us to look at. XXXX comes out and I tell him about my financing and then XXXX comes back and says you do not want this vehicle it takes synthetic oil and premium gas. Ok I was getting ready to leave as I only came in to test drive the XX/XX/XXXX XXXX SUV. XXXX says come in and let me see if Nissan has better interest rates than XXXX. He said it would be maybe a half point on the credit score as he was doing soft inquiry. I also explained to him that I was still shopping and had an appointment to see a vehicle in XXXX XXXX at a dealer I also explained this to XXXX when I saw him, I was only doing preliminary shopping for a used SUV. I also told him if he had a used manual transmission on the lot he needed to get rid of to let me know. He gets my information and disappears for about 30 minutes. When he comes back I specifically asked him are you checking with BANKS on my behalf and he said NO and left again and went back into another office. Another 30 minutes passes and I was getting ready to leave as I did not think it took that long to find out what Nissan interest rates were. He then takes me over to XXXX XXXX desk and XXXX writes on a scrap piece of paper that he can get me a XX/XX/XXXX new XXXX XXXX manual transmission for {$480.00}. a month. I started laughing and was getting up to leave and he said what can I do to get you to buy this vehicle today. I laughed even more I thought this was all rather funny as I had told him now on several occasions that I had my own financing even showing both XXXX and XXXX the email from XXXX and that I was still shopping and had plans to see more used SUV 's in the next several days. He said we can get you the new XXXX XXXX manual transmission for {$11000.00}. and it will be {$480.00} a month. I said no thanks and left. My XXXX year old son was with me and will attest to these facts also. The next day XXXX calls up and says good new we can get you in the Versa for {$390.00} a month I was like what ... I told him that I had already told him on several occasions I was not ready to buy nor was I shopping for a new vehicle. Then I get notification from my bank that several hard inquiries had been run on my credit. I contacted the 3 lending institutions that I saw and inquired if any were Nissan financing none were. I contacted the manager of the dealership to give him a chance to correct this wrong. He said he was not there that day and he would check for me. He called back and said that XXXX had not informed the assistant manager that was there that day that I had my own financing nor did he tell him that I was shopping for a used vehicle. That XXXX had informed him that I desperately needed a vehicle. I did not give any one permission to try to get me financing nor did anyone ever ascertain from me the terms I would want to obtain a loan or even how much down payment I had as this information was already in my loan application with my bank XXXX and I had been approved for a loan through them for up to {$14000.00}. on a used vehicle of my choice. The manager said he would not contest when I sent my letters to the credit bureau that they ran unauthorized loan applications without permission using my information. But I find this practice very unethical and they lied to me and I am sure running someone's credit information without permission is wrong and should be prosecuted. I have further received a letter from XXXX that says they declined to give me a loan. I called them and told them I did not apply for a loan with them. They were not interested in finding out that XXXX XXXX XXXX Georgia ran this without my permission. It would seem that every bank that XXXX XXXX XXXX Georgia pulled into this scheme of illegal behavior would also be culpable. I am not sure of the number of times they applied for credit for me without my permission or knowing how much I had to put down or any terms that I would want to complete a loan. The manager said XXXX never checked Nissan financing and that would only take a phone call and he did not need my information to ascertain the interest rates from Nissan. This seems to have been deceptive from the beginning nor has anyone informed me the interest rate or any other relevant information that I would need to make a determination. This was deceit from the beginning and these actions have been detrimental to me. These actions have harmed me as now the interest rate of my approved loan will be adversely affected by the deceitful actions of XXXX XXXX XXXX Georgia. I will be happy to provide any and all information that you will need along with the contact information for my witness.
06/14/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • NC
  • 28212
Web
To whom it may concern : I purchased a brand new XXXX XXXX XXXX from XXXX XXXX XXXX in XX/XX/XXXX. I had leather seats installed shortly thereafter. When I turned in my vehicle to have my seats installed, I left it with my second key. When I picked up my vehicle, my second key was not returned. Because I had the other key, I did not realize that they had not returned the other key until I was contacted, about two months later in XXXX XXXX, by their service department telling me that my key was at the dealership and that I could come pick them up.

When I came to retrieve the keys no one could locate them. I spoke with the salesperson who sold me my car and he said that he would make sure that my keys were located and then mailed to me. He also said that, if the original keys could not be located, that he would make sure a new pair was mailed. To date, I have not received the keys in the mail.

Unfortunately, due to some personal circumstances, this situation fell off of my radar until recently.

I recently went back ( in XX/XX/XXXX ) to inquire about the status of my keys. I spoke with the manager on duty who advised me that I needed to contact the owner loyalty manager and he gave me a business card for her. I called onXX/XX/XXXX, asked to speak to a manager on duty and was transferred. He advised me that he could not help me at the moment but that he would check on it and call me back that afternoon by XXXX XXXX. I did not receive a telephone call back that day so I emailed the owner loyalty manager the next day.

The owner loyalty manager informed me via email on XXXX XXXX, that she was forwarding my concerns to the General Sales Manager who happened to be the same manager I spoke with when I called on XX/XX/XXXX, who said that he could not help me.

Fast forward to XX/XX/XXXX, the general sales manager called and essentially informed me that he could not help me still. He said that all of the staff that worked at XXXX XXXX XXXX when this happened no longer worked there and, because of the staff turnover, and length of time which had passed, that he could not justify the expense of cutting me a new key and that he could not help me. I then asked if he could call the original salesperson to the transaction and verify what happened. His reply to me was that the issue was not whether or not he believed me, because he does, but the issue is that he could not justify paying out the expense to replace the key after so much time passing. He said that this would be the case even if they got confirmation from salesperson.

I am very frustrated, to say the least, about this situation. They have been giving me the run around about my keys, that they lost, since XXXX of XX/XX/XXXXand now they are refusing to stand by their word. XXXX XXXX should either cut me a new key or reimburse me the retail price of the key. I purchased my vehicle BRAND NEW with two keys, one of which XXXX XXXX XXXX misplaced. Providing two keys to a buyer when they purchase a brand new vehicle is standard procedure in the car selling industry. By not having both keys, I am not receiving the full benefit of the loan that I took out with Nissan Acceptance Corporation. A loan which I pay for every month.

Whether or not the individuals responsible for this are still working for XXXX XXXX XXXX does not matter because, at the time my key was misplaced, these individuals were employed by XXXX XXXX and operating within the scope of their employment, therefore, the company is vicariously liable/responsible for these employees ' actions. Again, I purchased a BRAND NEW vehicle from XXXX XXXX, which came with TWO keys. XXXX XXXX lost my key and now they are refusing to replace it as they previously promised they would.

The Sales Manager quoted a new set of keys starting at {$300.00} dollars and then had the nerve to tell me that this multi-billion dollar company can not justify the expense of {$300.00} to replace a key that THEY LOST!!! Again, by not having both keys, I am not receiving the full benefit of the loan that I took out with Nissan which includes monthly payments for ( no matter how meniscal ) two keys. I did not misplace my key, the staff at XXXX XXXX XXXX did and, because of this, XXXX XXXX XXXX should either 1 ) produce my original key, which was misplaced or 2 ) cut a new key for me or 3 ) reimburse me the retail value for the key so I can have a new key made.

Attached to this complaint you will find the following : The Retail Installment Sales Contract Title Application for my vehicle which identifies Nissan Acceptance Corporation as the lien holder and XXXX XXXX XXXX as the Seller Application Declaration ( first page ) which identifies the odometer reading for my car when I purchased it, the purchase price, and the lien holder information.

Please look into this situation for me and let me know whether or not my key will be replaced at your earliest convenience. Thank you in advance for your assistance in this matter.

03/05/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • TN
  • 37013
Web
My vehicle was picked up by XXXX XXXX XXXX XXXX on XX/XX/XXXX per NMAC orders. Car was operating perfectly fine before pickup. After day four of being at XXXX XXXX XXXX XXXX the vehicle was transferred to XXXX XXXX XXXX. Nissan gave me 10 days to pick up my car and I was not notified by no one that the was transferred somewhere else after day four. I had to find that out by myself. Nissan said in their policy the car can get transferred to a auto auction anytime during those 10 days. I paid the monies to reinstate the vehicle on XX/XX/XXXX. I was told that I had until XX/XX/XXXX to pick up the car from the auto auction. I went to pick up my vehicle from XXXX XXXX on XX/XX/XXXX only to find out the vehicle is not operating. Supposedly between XXXX XXXX XXXX XXXX and XXXX XXXX someone tried cutting keys for the vehicle causing the vehicle to not start. I was at XXXX XXXX on XX/XX/XXXX for 2 hours while they tried fixing the problem and they were not able to fix it. The car will not start with the master key either. At XXXX they refuse to give me something in writing stating that I was there and they tried fixing the vehicle for 2 hours and the end result is that the car is not working. At first they told me they're the ones that cut the keys then they said it was XXXX XXXX XXXX XXXX. At XXXX XXXX XXXX they treated me like XXXX. At first the supervisor said he was going to send Nissan a email letting them know the car is having issues and he was going to print and give me a copy, then he said he can not give me anything in writing. It was after hours on Friday XX/XX/XXXX so I had to wait until Monday XX/XX/XXXX to contact Nissan. No one from the Auto Auction contacted Nissan to let them aware of the situation on hand either. My entire experience with Nissan throughout this process have be very sickening. Nissan representatives showed no care, concern or tried to help. I informed them of what happened and they gave me a XXXX number to call so i can file a claim. When I contacted the Claims department at XXXX XXXX I was told they will only investigate what happened at XXXX XXXX XXXX XXXX, but not anything that happened at the Auto Auction. I was sent a claim document to fill out and send back and I did complete it and send it back along with a copy of the video from the auto auction attached. I contact Nissan on XX/XX/XXXX around XXXX XXXX and spoke with a supervisor because at this point I am out of patience. I paid to reinstate my car loan and still without a car. I explained everything to the supervisor and of course she did not seems to have any concerns. I ask if there is a way they can provide me a back up car while they're doing their investigation. I was told no they can't help me in that situation. The supervisor said she will get with her manager to see if there is anything they can do and follow up with me on XX/XX/XXXX. She called me back on XX/XX/XXXX at XXXX XXXX and said she contacted the auto auction and was told the issue with the car is a battery issue. I then asked her how it is going from a re-keying issue to a battery issue. I advised her that I was at the auto auction for 2 hours and they said they tried to charge the battery and that was not the issue, but they're saying it is now. I informed her that I don't feel secure taking the car from the auto auction without a mechanic looking at it and making sure it is in fact a battery issue. I was told Nissan can't do that either. I will have to file a complaint with the auto auction.She of course sounded like she believe the auto auction over me. She said the auto auction wants me to make another appointment to pick up the vehicle. I asked her if I take the car home for a couple of days and it stop working what is going to happen. She said I will have to file complaint with the auto auction because Nissan is not responsible. At this point I feel so lost. Nissan just throw me out there in the woods and want me to handle this myself. I am so confused and this is causing a me a lot of stress because I paid for the car and don't have a working car and Nissan just don't seems to care. I did mentioned to the rep that it is my fault why the car got reprocessed, but its not my fault why I was unemployed and had to default on my loan. I also added that it is not fair that they picked up my car in perfect condition and now the car is damaged they don't want to deal with it. I been with Nissan since XX/XX/XXXX and they have the worst customer service ever. My entire family got their cars from Nissan and I will never ever purchase another car from Nissan or ever recommend anyone to a Nissan dealership. Customer service comes first and when your company instill those values into their employees, they usually go above and beyond and in this case Nissan has not met these expectations. I expected as a consumer you are to be treated with dignity and fairly and my experience with Nissan took that away from me.
07/02/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • LA
  • 71107
Web
me and my mother are the living breathing natural man/woman come in peace and honor. being first duly sworn, depose and say and declare by our signature that the following facts are true to the best of our knowledge and belief. on XX/XX/XXXX we signed for a XXXX XXXX XXXX verse vin and miles etc. which we put a affidavis of ownership it the newpaper for 30 days. if a affidavis is Unrebutted, it stands as truth. which the newpaper ad was on XX/XX/XXXX thur XX/XX/XXXX. we received the affidavis of ownership and newpaper ad notarized. to futher make the vehicle our we sent it louisisana secretary of state, to get it authenticated on a state level. To be more respected and just. after we received paper work back. we sent off copies to nissan motors acceptance corporation on XXXX XXXX which first starts our conditional acceptance for value and administration process. we sent copies of the affidavis of ownership, affidavis truth, newpaper ad ucc 1, ucc 3 and a {$50.00} money order written on it was with full satisfaction of claim in good faith, ucc3 -311 with our account info on it. after they received and accepted the mail. nissan motors cashed the money order. then again we sent the repeated mail to nissian motors at the XXXX, OH XXXX XXXX XXXX zip code XXXX on XXXX XXXX and XXXX XXXX after which we expected our call titled to arrive in the mail. months go by. may comes, this 1800numbers calls us then says this is a call to collect a debt.which we ask did you received our paperwork in the mail.the dect collector saids yes but now you are behind on your auto bill, how would you like to make a payment. this starts a back and forth with us and nissan motors. after extensive research we find that by nissan calling our phones that is direct violation of our customers and creditors rights. title 15 usc 1692d harssment or abuse. every time they call our phone is a XXXX dollar violation. 15 U.S. Code 1692b. Acquisition of location information. during the abusive of calls, they will ask us for us name and address that another XXXX dollar for each contact and asking of verify the debt. we ask them to stop with the abusive calls. they reply not until we recevie payment of the debt that you owe. we ask them 15 U.S. Code 78m. Periodical and other reports under ( C ) ( i ) ( I ). pursuant 1692h 15 U.S. Code 1692g. Validation of debts can you prove verification of the name and address of the original creditor. to no respose no answer but another phone. XXXX XXXX me and my mother had our customers rights Violated again. when nissan motors acceptance corporation hired guardian services llc to come take our property, which is our vehicle a XXXX XXXX XXXX XXXX. which had a firearm in the vehicle, a XXXX XXXX XXXX XXXX, from my apartment, we suffered humiliation anxiety and other extreme emotional distress. A third-party should not been contacted to take my vehicle 15 USC 1692 ( C ) ( B ) according to the FDCBA repossession agencies or debt collectors unless they perform common collection services such as sending debt letters, making debt calls ect. post incident I apply for a loan in was declined because nissan motors acceptance Corporation committed fraud. there violations include but not limited to 15 USC 1692 ( C ) 15 USC 1692 ( B ) 15 USC 1692 ( D ) 15 USC 1692 ( E ) ( 1 ) ( 2a ) 15 USC 1692 ( F ) ( F1 ) 15 USC 1692 ( G ) 15 USC 1692 ( J ) furthermore we believe we were victims of there deceptive and credittory rendering practices, someone manipulated our loan Application wait nissan motor acceptance Corporation and we demand to see it. we were at the dealership for over 4 hours. we were was just waiting to get approval. there was add equipment that was grossly inflated to the vehicle I was not made aware of until recently. our rights of rescission was not included. 15 USC 1635 in order for us to get the loan. we were required to make a down payment, which was a direct violation of 15 USC 1662 ( 2 ). pursuant 15 USC 1681 ( 2a ) ( 2b ) any authorization or approval directly or indirectly by a issuer of Credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 means anything card, book, coupons Credit device existing for the purpose of obtaining money property labor or services on credit notice Congress said any card my credit card is my Social Security card this is the card i originate as a result of Nissan motor acceptance corporation and XXXX XXXX XXXX failure to comply with FCRA and FDCPA we have suffered and continuing to suffer damages we requested A immediate deletion from this account from our credit reports. and cost pursue it to 15 USC 1681 ( O ) ( A ) failure to comply will include neither consumer requesting a full investigation including our original loan application affidavis tail according to that general condition acceptance principle We will filing a complaint with the US District court.
02/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 34695
Web
I am a joint borrower for a used auto loan with Nissan Motor Acceptance Corp. ( hereafter referred to as NMAC ) ; my daughter was the other borrower and received the vehicle. As such, she is paying the loan via auto-pay directly from her bank, as she had done on the previous auto loan I co-borrowed with her. Per the NMAC loan agreement I am fully prepared to accept responsibility and make payments if she is unable to pay for any reason. I was told by the people at the dealership submitting the loan that I was co-signing the loan not co-borrowing, this only mattered that I didn't think much of it when I didn't receive completed copies of the contracts nor did I ever receive any communications about the loan or its status after I signed the contracts. Ten months later, due to the problem I am writing about and will describe in a little bit, I received copies of the loan documents showing I am a co-borrower not a guarantor or co-signor. This is very important because NMAC violated my rights under consumer laws and protections, by not provided me copies of the loan documents, they did not provide any communications regarding the status of the loan, nor did they ask or give me any options about receiving communications regarding the loan or its status. This all came to my attention when I received a notice on XX/XX/2020 from a bank I had a credit account with for almost 20 years that it was being closed due to an issue in my credit report. Up until that point I had a perfect credit record going back over 30 years, never a missed or late payment. When I checked my credit report I saw NMAC reported late payments for XXXX and XX/XX/2020 ( unknowingly something had gone wrong with my daughters auto pay which is not the issue of my complaint ). I immediately called NMAC on XX/XX/2020 at approximately XXXX and spoke to XXXX XXXX I asked her if the payment was late why didn't I receive any communication from them so I could make the payment per the agreement and protect my credit rating. She confirmed there was no record of NAMC trying to contact me via any means. When I explained the importance of one 's credit score and asked her how could I possibly be expected to make a payment if they did not contact me that the co-borrower 's auto payment had failed ; she said she understood. She told me this would all be in the notes regarding our call including that she found no record of NAMC trying to contact me about the failed autopay or the risk of the loan being late. She also said in order for NAMC to fix my credit report I'd have to submit a dispute with the credit reporting agencies and the credit examiners at NMAC would be able to review the notes she made of our conversations in conjunction with the dispute. I tried disputing the report three times XXXX, XXXX, & XX/XX/2020 in conjunction with calling NAMC about the issue each time, in spite of what I was told on the phone by XXXXXX/XX/XXXX XXXX and XXXX XX/XX/2020 XXXX the late payment stood but they did change my loan responsibility reporting from being a guarantor to a joint borrower. As I said earlier in my complaint I thought I was guaranteeing the loan it was only in XXXX, ten months after the loan origination when I received the loan documents, after requesting them for three months, that I learned I was a co-borrower. As such I should have received copies of the signed contracts soon after they were approved, I did not, and I should have also been given the option as the other co-borrower had, to choose a preferred form of communication regarding the status of the loan, which I did not get to do either. I got the first loan statement nine months after the start of the loan in XX/XX/2020 after I complained and called XXXX on XX/XX/2020 ; it took two more months and more requests to receive copies of the loan documents I had signed. While NMAC clearly violated consumer laws and protections by not sending me the signed agreements, nor sending me any loan status communications, or even giving me any option to receive them ; my primary concern is the late payments reported on my credit, which was perfect until then. Any reasonable person would agree and expect to be informed by the borrower that the auto-pay by the other co-borrower had lapsed and have a chance to make the payment protecting their credit score. I was never given this chance nor did I have any reason to believe there was a payment problem. I would also like to note that I twice paid a previous auto loan I co-borrowed with my daughter through Ally financial because I was notified the payment by her was 10 days late. Had NMAC simply contacted me which they were obligated to do because I was a co-borrower, they payments in question would have been made immediately.
12/19/2020 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28103
Web
On XX/XX/XXXX, I contacted to request a deferment on my auto loan payment because I was out of work at the time. Initially, I only asked to defer one payment, which would have been the payment due on XX/XX/XXXX. The gentleman I spoke with asked if I would like to defer two payments. I was not aware that this was even an option. I agreed to the two-month deferment which would have moved XXXX and XXXX payments to the end of the loan. My next scheduled payment would have been XX/XX/XXXX. Only one month was deferred. My father, who is also on the loan, began receiving phone calls to make the payment and was informed that if he did not his credit would be impacted. On XX/XX/XXXX my father received a call and set a payment for the same day. Even after the payment arrangement was made, he still received calls later that day from collectors at NMAC to make a payment. Being that a payment should not have been due until XX/XX/XXXX, this should have covered the XXXX payment. I contacted NMAC on XX/XX/XXXX to check on the status of the account and requested to speak with a supervisor. No one was available at the time of the call and I was advised that a supervisor would call me back. I got a call back from XXXX on XX/XX/XXXX at XXXX XXXX. I was not available and I called back on XX/XX/XXXX at XXXX XXXX and spoke with a very arrogant individual by the name of XXXX who stated he was a supervisor. During this conversation, XXXX stated that the company can not process an extension/deferment for two consecutive months. This was not explained to me on the call on XX/XX/XXXX when the representative of NMAC asked me if I would like to defer two months when I only asked to defer one initially. He then stated that I would have to complete documents for a " regular '' deferment since I have gone back to work. The deferment I received back in XXXX was a " FEMA deferment ''. I asked if it could not be processed since I was out of work at the time of the request. He said no. I also requested to have the XXXX payment deferred as agreed on XX/XX/XXXX, apply the XX/XX/XXXX payment to the XX/XX/XXXX payment, remove the {$6.00} late fee that was applied to the company 's error and recalculate the XX/XX/XXXX payment to ensure the principle and interest was calculated correctly based on when the payment was made. XXXX told me that the can not be done. I then requested to speak with XXXX 's supervisor. He told me that there was no one else that I could speak with. There was no one there in a higher position than his that will take phone calls and I would have to submit a complaint by writing a letter only. He provided the mailing address and confirmed that he would mail the forms for the " regular '' deferment to my address on file. I also requested that I do not receive calls on the automatic dialing system. XXXX stated that I would have to request a cease and desist because calls are not made without the auto-dialing system, even though I had received a call on XX/XX/XXXX from XXXX which was a manual call. Also, the extension documents were never sent. I wrote a letter to the company and mailed it on XX/XX/XXXX. The letter is attached to this request. I received correspondence back from NMAC dated XX/XX/XXXX which stated " Unfortunately we are unable to process your request at this time and the payment ( s ) you requested to be extended are still due. '' In the letter sent on XX/XX/XXXX, I requested a cease and desist. Since then my father and I have received NUMEROUS calls. My father even receives multiple calls per day to collect on the account. I have also counted a total of 7 calls where the mini-Miranda, which is mandatory in the state of NC, was not stated. My father received a call on XX/XX/XXXX from NMAC. I happened to be with him at the time. I spoke with XXXX. At this time she offered to process a two-month deferment with no documents involved. She confirmed on the call that two months can be deferred at once. XXXX, a supervisor at NMAC, told me otherwise. If this was the case this issue could have been resolved back in XXXX when I brought this issue to the attention of the company. I asked XXXX if the rest of the account and payments can be corrected also to apply the principle and interest payments correctly. She stated that she can not make those adjustments but she can defer two months to cover the XXXX and XXXX payments and the next payment would not be due until XX/XX/XXXX. I declined because ultimately pushing the XXXX and XXXX payments to the end of the loan will not resolve the other issues on the account. I really, really need help with this matter. This has been going on now for 7 months and NMAC refuses to take responsibility and correct their error and misinformation.
02/25/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • IN
  • 47001
Web
On XX/XX/XXXX I came to XXXX XXXX XXXX dealership to buy out our car XXXX XXXX XXXX, which was on a lease for 3 years since XX/XX/XXXX. The lease was originated for my husband after I searched for and decided on leasing the XXXX XXXX XXXX. We had a cap on miles XXXX miles for the whole 36-month lease period. Current miles on odometer are XXXX. We would like to buy our car and received a buyout amount from NMAC. As I was told on the phone by NMAC, I came to the dealership to apply for financing. My goal was to prepare to find out how much it will cost the purchase the XXXX XXXX with taxes, insurance, title and ect. I wanted to do all I can in advance so my husband could come and sign prepared documents. He has very busy schedule at work and doesnt have time to spend hours and hours and hours at the dealership getting a run-around. ALL dealers and representatives attempted to sell me a new car, when each person was told that I simply wanted to buy the car we were leasing. Nissan dealership representative XXXX called my husband and took his permission to run his credit. After that XXXX got busy with the paperwork and submitted his info for approval. In about 49 minutes I was told that they got approval through XXXX and he will make all paperwork for my husband to sign. But we have to put down {$1000.00} and monthly payments would be around {$380.00}. I called my husband and he agreed to come and sign. We agreed that we will come on Friday, XX/XX/XXXX, or the first available day for my husband to get off work early on following week. I came once again on XXXX XXXX just to be sure that we are still on track. XXXX said he was leaving on vacation and XXXX will take care of us. I was introduced to XXXX and he sat down with me to go through the paperwork again and told me to come on XX/XX/XXXX with my husband. I said that we can come after 4 and we agreed that we would be there around 5 pm. When we came XXXX was not there but we were assured that somebody else will work on our paperwork and everything will be ready to sign shortly. After nearly 2 hours of waiting, we were informed that they have too many other people ( customers ), to prepare our paperwork will take 3 hours, and they dont have time for it because of other clients and the short time before closing. We were sent home and asked to come on Saturday, XXXX XXXX at XXXX XXXX when XXXX will be there. We came on XX/XX/XXXX, and after waiting for another hour XXXX told me that we have to put {$1600.00} down not, {$1000.00}, but it would be better anyway to buy a new car, and he called XXXX from XXXX XXXX New Car Dealership. We were sent to there to do the trade. We were told that they dont have results of my husband credit score and have to run it again. I spent the whole day at the dealership, from XXXX XXXX. until XXXX XXXX and at the end we were told that because of low credit scores and over-miliage on our lease they cant get approval for my husband to buy out our leased car. But what they CAN do is to approve me for a new car with {$700.00} a month payment and {$500.00} down. In that case my husband had to drop off our lease car and stuck with payments for over miliage and I will have a car to drive. My credit score is only 2 points higher than my husbands. The new car price was {$20000.00}. And that wouldnt solve our lease problem because the leased car would had to be dropped at the dealership and my husband stuck with payments for over-miles. This treatment is beyond unethical. I dont understand why we are approved to buy a car for {$20000.00}, but my husband with stable high income, or I were NOT approved to purchase our lease car for {$11000.00}. I consider this run-around nothing more than a bait-and-switch fraud and massively unnecessary pressure to get your customers into financial disaster. The dealer was repeatedly telling me that its because of how many miles we have in our car. We want to finance the purchase of that car! We agree to pay monthly payments as we did for 3 years for that car with whatever miles it has. Are Nissan 's cars so fragile that XXXX miles renders the car wortless? We request Nissan Main office take a look at our situation and finance us for the car we want which is twice cheaper that the dealer wants to SELL, SELL, SELL to us. The dead line to purchase our car from the lease is XX/XX/XXXX. I refuse to be emotionally abused further and let more numerous Nissan Dealer Representatives take advantage of me and my family for any reason in the this situation.
02/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
Web
This is an attempt to reopen complaint # XXXX My lease account from Nissan started in XX/XX/XXXX. My car was involved in an accident in XX/XX/XXXX. My insurance paid the remainder to NMAC in full, a payment of {$15000.00} was made to NMACE in XX/XX/XXXX. NMAC still shows that my account has 4 late payments adding up to more than {$1000.00}. This is not correct, the car is completely paid off. The company ( NMAC ) has failed to address any issue. In fact, when I submitted this claim I thought that I am just trying to fix a mistake that NMAC officers did. However, based on the currently available information, this is an organized embezzlement procedure conducted by NMAC to steal the customer 's money. NMAC is using the creditworthiness evaluation system to threaten me and to get more money than they deserve, or to correct their employee 's mistakes. NMAC 's response details a series of facts and communications between them and the insurance company. I was not informed of these communications. Here are the facts as I see them, these are my efforts to communicate with NMAC since the accident happened : 1-On the same day of the accident, I called the dealership and informed them that my car has been in accident and it is probably going to be a total loss. I was adviced by the dealership to call NMAC and arrange the payoff payment with my insurance. 2-I called NMAC within the same week and inquired about the procedure that needs to be conducted. I was told that the insurance company will have to pay the " payoff '' amount. No one mentioned the actual salvage value of the car. 3-My insurance company XXXX reached out to NMAC and received a payoff quote of {$15000.00}, which is the same amount I received from NMAC 's online portal automatic quote. XXXX 's call with NMAC was recorded and sent to NMAC as a part of this investigation. 3-By the end of XXXX, the car salvage value was evaluated at XXXX {$18000.00} XXXX higher than the " payoff '' amount. XXXX sent a check to NMAC with the requested {$15000.00} and sent me the difference amount {$3200.00}. 4- I was told by Metromile and NMAC that this was the end of the story and that my account will be settled once the NMAC receives the {$15000.00} check. 5-By the first week of XXXX, I received a notification from XXXX that my NMAC account is showing missing payments. I called NMAC and inquired about why is my account is still open. At the time, the {$15000.00} was received by NMAC. However, it was applied towards neither the monthly payments nor the car settlement. NMAC 's customer service told me that this is an error on their end and asked me to file a dispute with XXXX to resolve it. No one mentioned that I still owe NMAC any amount. 6-My dispute with XXXX showed that {$15000.00} payment was made, but the missing payments were not removed. Therefore, I filed this complaint with CFBP. 7-I reached out to NMAC in the first week of XXXX trying to understand what was going on. This was the first time I was told that NMAC wants me to pay the {$2000.00} amount. Here is what I believe happened. NMAC assumed that the salvage value of the car is going to be below the {$15000.00}. So they were OK with insurance paying them that amount. Once they recognized that the salvage value of the car was higher, they wanted to find a way to make this difference. However, they did not really contact me. They parked the {$15000.00} amount and did not even apply it to my monthly payments and kept passing missing payment marks to the credit bureaus. NMAC is now using the credit rating system to threaten and force me into paying the {$2000.00} amount, and they do not want to even remove the missing payment marks that they have wrongfully applied to my account. In short, I am getting all the damage from this relationship with NMAC. I have been very diligent in this process since day one. I have followed NMAC 's customer service instructions on every step, and I ended up with damaged credit. Even if NMAC should have received this money ( {$2000.00} ), that was not communicated with me at any stage during the 4 months of XXXX, XXXX, XXXX, and XXXX. In fact, I do not believe NMAC should get anything more than the {$15000.00} that they asked for. As I mentioned in the beginning, this is an embezzlement procedure conducted by NMAC. NMAC is using creditworthiness system to threaten and shamefully steal their customer 's money.
08/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19104
Web
XXXX, XXXX and XXXX is in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I the natural person Never gave XXXX, XXXX and XXXX consent to report anything to the credit reporting agancies nor do I have a contract to do business with them. XXXX, XXXX and XXXX Is in violation of 18U.S.Code 245-Federally protected activities ( a ) ( 1 ) Nothing in this section shall be construed as indicating an intent on the part of Congress to prevent any State, any possession or Commonwealth of the United States , or the District of Columbia , from exercising jurisdiction over any offense over which it would have jurisdiction in the absence of this section, nor shall anything in this section be construed as depriving State and local law enforcement authorities of responsibility for prosecuting acts that may be violations of this section and that are violations of State and local law. No prosecution of any offense described in this section shall be undertaken by the United States except upon the certification in writing of the Attorney General, the Deputy Attorney General, the Associate Attorney General, or any Assistant Attorney General specially designated by the Attorney General that in his judgment a prosecution by the United States is in the public interest and necessary to secure substantial justice, which function of certification may not be delegated. ( 2 ) Nothing in this subsection shall be construed to limit the authority of Federal officers, or a Federal grand jury, to investigate possible violations of this section. ( b ) Whoever, whether or not acting under color of law, by force or threat of force willfully injures, intimidates or interferes with, or attempts to injure, intimidate or interfere with ( XXXX ) any person because he is or has been, or in order to intimidate such person or any other person or any class of persons from ( B ) participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; XXXX, XXXX and XXXX has tired to intimidate by force willfully injuring me from enjoyment of benefits and services administered by the United States ; XXXX, XXXX and XXXX is in violation of 15 U.S. Code 1692d - Harassment or abuse in Exibit A, B & C A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. XXXX, XXXX and XXXXhas engaged in harassing, oppressing and abusing me in the connection of a debt when pursuant to 18 USC 8 pledged all obligation to pay my debt. XXXX, XXXX and XXXX is in violation of 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
05/08/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • CT
  • 06051
Web
Went to dealership ( XXXX Nissan ) to explore options for trading in my previous lease XX/XX/XXXX and was assured by the sales person that if I were to purchase a new lease that day all fees around maintenance, and return fees would be covered by the dealer and that I would purchase with no downpayment required only my first month payment. The dealer proceeded to call my insurance and switch over my policy and registration while I signed paper work with the finance manager who I had to review 5 different contracts with because each time leading up to the XXXX there was a convenient error in the documentation regarding term, payment amount, misc fee 's, or add-on features/benefits. It was remarked that my credit score was outstanding ( XXXX at the time of purchase ). I turned in my previous lease ( XXXX XXXX ) and drove off the lot with a new one ( XXXX XXXX ). Some months later I get a notice that there is an outstanding balance on my previous lease including property taxes ( since paid ), a wear and tear fee, and an additional payment and that this amount if unpaid will be sent to collections. I bring said notice to the dealership, to the sales rep I worked with and inquire as to what this is. ( XX/XX/XXXX ) to which he responds he's not sure and that I shouldn't owe anything. He assures me that I should not worry and that he'll reach out to someone at Nissan corporate to find out more info. After waiting awhile I reach out via text and ask for a follow up ( XX/XX/XXXX ) emphasizing that i'm worried the potential impact this will have on my credit score and reminding him of the commitment made in order to secure the sale. He responds with a screen shot of some text exchange with a nissan rep stating that " we don't waive extra payment, property taxes and miscellaneous ... these are customer responsibility unfortunately sorry '' to which I respond " That contradicts our agreement doesn't it? '' and I get no response. After waiting for a response I reach out to the nissan consumer affairs and file a complaint ( case # XXXX ) on XX/XX/XXXX. I'm told a region manager is going to reach out to me. On XXXX regional manager and I speak apologizing to me for the experience, mentions dealership ( XXXX nissan ) will take care of fees and if I have any questions to feel free to follow up. Sales rep from dealership calls me and asks me to provide a copy of document from collections agency with the amount owed. XXXX I provide a photo of the document via text with no response. I follow up XX/XX/XXXX via text no response. I call the regional manager several times inbetween this first leaving a message stating i've had no follow up from dealership and that I do not need a response from her just a response from dealership. Leave another message requesting she call me back because still no follow up. Leave a third message and call nissan consumer affairs again to update complaint ( XX/XX/XXXX ). Rep updates my complaint. I get a follow up from regional manager who then tells me the dealership manager and sales rep can not find any outstanding debts when calling the finance dept. advises me to reach out to the finance department myself. I reach out to finance dept who transfers me to loss/recovery. Loss/recovery lets me know they see the account, the balances, and gives me the break down. Explains to me that the dealership can call loss/recovery and settle this by overnighting a check for the amount outstanding by providing vehicle vin number. I text sales rep again ( XXXX ) and let him know the good news and the instructions given to me by loss/recovery. He then gives me reasons why he can't help ending his response with " I honestly don't know what to do because it had nothing to do with us '' I shared that that was a terrible attitude to have and requested his manager give me a call. No response. ( XX/XX/XXXX ) I call consumer affairs again requesting to escalate this and was told that the regional manager was the " higher department '' that this would be escalated to and it would go back to the regional consumer affairs specialist ( same person I've been dealing with who refuses to call me back and has not provided follow up ). I inform rep to document my intentions to file a complaint with CFPB as well as XXXX and a formal complaint to the corporate offices due to this incompetence.
05/10/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • UT
  • 84123
Web
I leased a XXXX XXXX XXXX in XX/XX/XXXX, it was a 39 month lease through XX/XX/XXXX. On XX/XX/XXXX for various reasons decided to trade the vehicle in for a XXXX through XXXX XXXX ( Utah ). I was able to download a payoff letter from the Nissan/Infiniti Finance Online dashboard which stated my payoff quote was {$34000.00}. On Tuesday, XX/XX/XXXX I called Nissan/Infiniti customer service to let them know that I had traded the vehicle in and that dealer, XXXX XXXX, would be sending the payoff check. The customer service representative ( CSR ) I spoke with let me know he would notate the account. I had been checking my account throughout the past two weeks, today ( XXXX XXXX ) I decided to call to see if they had yet received the check since it had been over two weeks since the transaction took place. The CSR told me they had not yet received it. I then called the dealer who had sent the check in and confirmed they had sent it on XX/XX/XXXX ( two weeks ago ). The dealer let me know the check number and that it was sent to their overnight address they were provided ( XXXX XXXX XXXX, XXXX, TX XXXX ). I called Nissan/Infiniti again and through several phone calls this morning I was told varying responses from each CSR. I was told that as of today their policy is to no longer accept checks from third-parties and it could only come from an Infiniti or Nissan dealer. Originally I was thinking the check was lost in the mail, my intent was to ask the dealer who sent it to place a stop payment on the check and reissue a new one. The CSR stated since the new date would be on the check and it would reflect after today they could no longer accept it. When I asked to speak with a manager I was told they would have to call me back and would take between 3 and 5 business days. My next payment Is due May 15, I do not have time to wait for a call back. Through the several CSR I spoke with I was told three different addresses including XXXX XXXX XXXX XXXX, TX. However, the mailing address on the letter is XXXX XXXX XXXX XXXX, TX. The letter is also confusing since it has the physical address first as XXXX XXXX XXXX and then below that the mailing address. Another PO Box I was given was one in XXXX. During this time the XXXX dealer that now is in possession of the Infiniti has been trying to help. They were told this wasnt a policy that changed today, but sometime earlier this year. They had called to get the payoff information, clearly as a dealer and provided the same amount of {$34000.00} and also given the physical address from above ( XXXX XXXX XXXX ), which I was told was wrong. During the phone call they were never told that a third party could not send the payoff for the car. They have been contacting several GMs of Infiniti and Nissan dealers in the state of Utah to see if one of them would be willing to send in a check with my account info and then they pay them back. At this point I dont know if one will be willing to do that or not, regardless we should not have to jump through these kind of hoops when this wasnt made clear from the beginning. This has caused extreme stress and frustration. Im still liable for payments on a car I dont own. I was never told the payoff would be an issue. I do believe Nissan/Infiniti Finance received the check at some point and is sitting on a desk. They never reached out to let me know they could not accept it as a payment from a third party. I also dont understand why they could not accept payoff. Ive paid what I was contractually liable for. By doing this trade-in I did take a loss on what I owed vs what XXXX XXXX offered me. Im currently liable for two auto payments. I feel Nissan/Infiniti has not been helpful, every CSR I speak to provides different information. One of them even stated hed send me their new updated payoff letter information and its the same as I had before. Common sense needs to prevail here. If a check has been provided for the contractual payoff amount that is quoted in a letter, website and from a CSR it should not matter where the funds come from. I simply need the original check to be located or wiring instructions provided so I can work with the dealer who is now in possession of the vehicle to complete the payoff of the loan so I am no longer liable for the payment and they can receive the title.
04/05/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AL
  • 35215
Web
I was contacted in early XX/XX/XXXX to do an early-lease turn in/trade by XXXXXXXX XXXX of XXXX, VA, which is where I purchased/leased the vehicle in question. ( NOTE : That loan/lease started in XX/XX/XXXX and would mature XX/XX/XXXX ). After several " over-the-phone '' discussions, a deal was reached toward the end of XX/XX/XXXX, to which the dealership and Infiniti Financial Services ( IFS ) agreed, along with myself. Because I live in Alabama and the dealership is in VA, the new truck had to be shipped, which ended up taking about 2 weeks for me to receive from that dealership. It was agreed that all payments for the old truck ( including any existing payments, property taxes, fees, etc. ) would be paid to IFS from the deal and that I was no longer individually responsible for making any more payments to IFS on the old truck and that I could continue to drive it until I receive the new truck. I was specifically told ( & provided a letter ) that I did not have to worry about the remaining payments ( XXXX through XXXX ). In mid-XX/XX/XXXX, I had been in the process of buying a home at the time and my mortgage guy discovered that IFS was reporting me late to all three credit bureaus for XX/XX/XXXX. I contacted IFS and after several attempts at correcting this error, finally got a letter from IFS stating the XX/XX/XXXX should be removed. I'd also received a voicemail from XXXX XXXX of IFS stating they were using the XX/XX/XXXX as the ground date of the lease turn in and have in fact sent a correction to the credit bureaus. Thinking that was the end of the situation, I continued to meet other obligations in the home buying process but was told we'd have to re-pull credit in order to ensure the IFS account updated accordingly. Well low & behold, in early XX/XX/XXXX when my mortgage guy re-pulls credit, IFS is now reporting me late forXX/XX/XXXX. I immediately contacted IFS via phone on XXXX and was told to forward an email of what I was seeing on my credit report. I sent the snapshot to " XXXX XXXX '' of IFS and he stated he'd look into it and get back to me. I never heard back. I then contacted IFS again on XXXX, this time with the dealership ( XXXX XXXX, GM ) on the line with me. We spoke with XXXX XXXX of IFS and he asked me to forward a copy of the snapshot to him, which I did and he said he'd handle the matter. He sent me a letter, but it only addressed the XX/XX/XXXX late payment removal, not the XX/XX/XXXX removal. Since then, I've called IFS again on XXXX only to be told there's nothing additional they can do. Further, I've been in contact with Infiniti Consumer Affairs almost weekly since mid-XXXX trying to get the matter resolved but to no avail. Together, myself, Infiniti Consumer Affairs and then myself & the dealership ( XXXX XXXX, XXXX XXXX, GM ) spoke with IFS and the IFS Lease-End Dept. on XX/XX/XXXX. They informed us that the ground date they were using is XX/XX/XXXX. As I explained, even if that's the case ( which was not the agreement ), I still would not be considered late as my actual due date is the 15th of the month, with a 15-day grace period. XXXX, the floor supervisor, asked for my number and promised that he'd look into the matter and call me back. I have yet to hear back from him or IFS. Again, I ask, why would IFS be reporting me late on a vehicle I timely turned in and that I in fact did not even own any longer??? Needless to say, by now, I am literally livid with Infiniti and worn out from all of this, not to mention have lost my ability to qualify for a home. Thus, I filed a complaint with the XXXX XXXX XXXX. IFS responds to that compliant stating they addressed the XX/XX/XXXX error but also says they did NOT report me late for XX/XX/XXXX. This is clearly incorrect as it is clearly shown on 2 of the 3 credit bureaus ( XXXX & XXXX ) reports that IFS is reporting me late for XX/XX/XXXX. How are they reporting me late to two bureaus and not the other? I have a snapshot of the response that IFS sent to the XXXX denying reporting me late. I also have a snapshot of my credit report showing clearly that they are reporting me late for XX/XX/XXXX. I simply want this matter resolved, which has always been my position, particularly because this has affected my LIVELIHOOD - I can't even get financed now to purchase my home!!!
01/03/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • MA
  • 02777
Web
In XX/XX/XXXX I decided to refinance my car loan for a new vehicle that I had purchased in XX/XX/XXXX. The original financing was through NMAC ( Nissan Motor Acceptance Corp. ) I refinanced online through XXXX XXXX. It appeared that all had gone well with XXXX XXXX notifying me that my loan was approved and the payoff was sent to NMAC. I paid my first payment with XXXX XXXX In XXXX. Prior to making that payment, I happened to check my NMAC account online to find that the my loan was showing that it was still active, and there was a large payment applied to the loan on XX/XX/XXXX, but it was not the full payoff amount. Further, it showed my monthly payment was increased from {$510.00} to over {$600.00} and the a payment was not due until the year XXXX! I knew something was wrong. I contacted NMAC and was told that XXXX XXXX did not send the correct payoff amount. The person also told me that they were unable to see where this partial payment came from which was unusual and he said that they would open an investigation on the account. He also said that if I could contact XXXX XXXX and try to get a copy of the payoff amount check and forward it to NMAC I then contacted XXXX XXXX, where I was assured that the proper payoff amount was sent and to give NMAC some time to complete the investigation and if it didn't resolve to call back. Well it didn't resolve, NMAC insists XXXX XXXX sent the wrong amount. So I provided NMAC with the USPS tracking number of the check that XXXX XXXX sent and that shows it was received on XX/XX/XXXX. My NMAC account showed that a large payment of XXXX was made on XX/XX/XXXX so that makes no sense since the check didn't arrive until the following day. several phone calls between both lenders for the month of XXXX yielded no results. I have been the middle man in a clash of the titans here where I have no control nor access to any of the data that can prove anything. I finally got XXXX XXXX to initiate a 3 way conference call with NMAC in early XXXX, where XXXX XXXX stated that they would fax a copy of the check to NMAC to prove the full payoff was sent. NMAC stated it would take up to 21 days for ANOTHER investigation to be completed. So I called NMAC 21 days later to find again no progress, still saying it's XXXX XXXX 's fault. Back to XXXX XXXX, I now have a point of contact there, her name is XXXX. She contacted me right after XXXX, to update me that on there end it shows that NMAC never deposited the check even though someone signed for it, so NMAC lost it. The partial payment on my account was another error on NMAC and that they were going to remove that payment and that they working on getting the payoff finalized once again. Here 's the problem. I technically have 2 open loans on the same vehicle, I had been paying XXXX XXXX for 3 months and on NMACs end it originally showed that I didn't have a payment due until XXXX. Now that that erroneous payment has been removed it now shows me 3 payments behind NMAC and when I try to call NMAC to speak with someone handling my case about the refinance fiasco I get dumped to collections automatically and all the want for me is to make payments. I am a XXXX, retired XXXX injured in the the line of duty and I live on a fixed income and there is no way I can make 2 car payments on the same vehicle until these people figure all this out. Now I'm concerned that NMAC will be reporting these late payments to my credit report and I feel that this is unjust. They lost the payoff check, from what little info I'm provided it appears NMAC is at fault, yet I'm in the middle being torn apart. In my soon to be XXXX years on this planet, this has to be the most incompetence I've seen from a financial institution. XXXX XXXX I'm not happy with as well as they really take no responsibility to confirming that the institution being paid off has actually received, credited the proper payoff, and closed out the old loan before XXXX XXXX sends the consumer the refinance completion along with a first statement to be paid on the new loan I want this resolved. I want NMAC to correct any info that they plan on submitting to the credit bureaus, I'd like to just pay my XXXX XXXX loan and get on with my life. I'm calling XXXX XXXX today and I'm hoping that they expedited the second payoff to NMAC
07/11/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Problem after you declared or threatened to declare bankruptcy
  • TN
  • 37411
Web Older American, Servicemember
I receive Social Security income and worked a job. I obtained a loan with Nissan Motor and paid faithfully. I allowed Nissan Motor to automatically deducted the monthly payment from my checking account. Due to other collection agencies threatened me daily. I was advised to file a chapter XXXX Bankruptcy XX/XX/XXXX. There was NO Lapse in payments to Nissan Motor only a reduced payment from {$390.00} to {$310.00} throughout the Bankruptcy plan XX/XX/XXXX until XX/XX/XXXX. As of today, I was made aware of how this negatively affected my account. I understood my attorney to say that there were full payments made to Nissan Motors. This has become and issue because I suffered injuries in automobile accidents and income from part time job no longer applicable. The Chapter XXXX case was voluntarily dismissed effective XX/XX/XXXX. Currently, I await a monetary settlement from my injuries. I contacted Nissan on XX/XX/XXXX, to check the status of my account and resume monthly payments for the month of XX/XX/XXXX. Representative XXXX advised me and my authorized third party advocate that the account had been charged off XX/XX/XXXX. The rep advised us that there was no way to resume payments without paying {$23000.00} or surrender the car. Furthermore, XXXX advised us that the account was due for the months of XXXX, XXXX, XXXX, and XX/XX/XXXX. I explained that partial payments of {$310.00} via Bankruptcy Trustee had been paid to Nissan Motor for those months. XXXX stated she would have the account reviewed. If the account was current at the time that the Bankruptcy was filed. XXXX stated that I would be able to pay the past due payments current and resume {$390.00} thereafter. I was told to call back on Monday. It seemed we would clarify that the payments were paid to Nissan and there would a small balance to resume payments. My third party Advocate called back Monday XX/XX/XXXX and spoke to XXXX, XXXX, and finally XXXX direct line XXXX. XXXX stated that the payments for XXXX, XXXX, XXXX, XX/XX/XXXX were not showing paid. We asked XXXX to check with upper Management to see if I could get an extended period of time in which to verify the balance owed and arrange to pay once we understood billing. Meanwhile, it was established that we would verify with Bankruptcy Trustee office that the payments were paid to Nissan Motor. On XX/XX/XXXX, XXXX with Eastern District Bankruptcy Trustee Office confirmed that Nissan Motor had been issued payments for the months in question and the checks had cleared. We immediately contacted Nissan Motor and spoke to XXXX who advised that he would call back by the end of the day XX/XX/XXXX. My third party advocate called back at end of the day XX/XX/XXXX to find that XXXX had left for the day. There were no new notes made on the file, per XXXX. Again, my third party advocate requested that the 10 day deadline be extended due to the ongoing review and consumer dispute of outstanding balance owed. We asked for a copy of the pay history on the account. XXXX explained that it would take 48-72 hours to process the request and the document would be mailed out regular mail. XX/XX/XXXX, Nissan Motor was contacted and My Third party Advocate spoke to XXXX who advised that the {$2100.00} owed is from the difference from the partial payment paid by the Trustee from the beginning of the BK Filing. Even still the past due balance does NOT calculate to be {$2100.00}. Nissan rep 's did not accurately communicate where the outstanding balance came from. Also, the recent explanation is also in dispute and without disclosure of how Nissan arrive at this number. The Rep advised that there was no way to get around the 10 day rule or they would have to make exception for everyone. Third Party Advocate requested a supervisor and was transferred to a Ms XXXX. Ms XXXX was very abrupt and gave us through the end of the day XX/XX/XXXX by XXXX XXXX CST to have payment made or the entire balance would be due or Repossession of the vehicle would go out. Ms XXXX gave a 1/2 day extension. Ultimately, I am in dispute of the past due amount verbally quoted by Nissan Motor representatives and await a pay history.
08/21/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • TX
  • 75067
Web
XXXX XXXX Contacted Nissan ph # XXXX for deferred payments arrangement ( waiver ). I contacted XXXX XXXX in XX/XX/XXXX to let them know of my situation where I got laid off from my job and was unemployed. I asked if I could defer payment in XXXX, rep specifically indicated I had one left as I used all others up. I qualified, however I would have to wait until XXXX payment due. I said oh okay, I wait for my birthday month. Today XX/XX/XXXX called and rep indicated I dont qualify for deferment and used all up, I indicated previous conversation I had w/Nissan as she said Im sorry, we are aware of the conversation but I was misinformed, sorry about that. I asked for Manager, got XXXX XXXX. I explained same situation as XXXX refused to acknowledge the issue, in which I called about '' Deferred payment '' conversation in XXXX. Ms XXXX goes on about how I used up my deferments and dont qualify for another deferment. I said XXXX Im calling in reference to a " conversation took place over the phone where rep informed me that I qualify and I was anticipating on this and now you changed your mind? Im not calling about or questioning past pay history on deferments received. She refused to acknowledged the rep I spoke to re deferment This conversation is about what I was informed and told I could do and now you want to go back on your word and disregard and change the subject. She did not apologize at all, as a matter of fact she said '' This isnt good for you. I said excuse me? You dont need another deferment and its not good for you, I said again, who do you think you are? XXXX said you have only been in this loan for 2 years and we can take your collateral now, when your maturity date comes up, you owe and you need to understand that, I said I am very aware of the terms and not questioning the terms, this is about a conversation took place where I was told I could get a deferment. XXXX said this is not good for me. I said how dare you, who are you to decide " whats good for me? I am XXXX years old and I can make that decision as to whats good for me, you dont know me or my situation, she says I know your situation. I said thats not for you to decide! I said XXXX did you know I could refinance and go to another financial institution and dont have to wait til end of the term with Nissan? Who are you to make that decision on whats good for me? XXXX said Im concerned because at this point we can take your collateral, I said excuse me?, Im confused, What did you say? XXXX comes off with THREATS of taking my collateral/auto based on my being CURRENT ON MY LOAN. No past due balance and as a matter of fact, I had the loan OVER 3 YEARS not 2, As XXXX is unfamiliar and misused her info on her part bc Nissan only show last 2 years online, where I purchased vehicle OVER 3 years ago! She was incorrect again! She said youre on 2 years in the loan and used up deferments. Im appalled at all the misuse, mishaps, incorrect info from Nissan, XXXX threatened to take my car as if i AM in a repo when my loan is current, XXXX said I was in 2 years of the loan when Im over 3 years in loan, refused to address the mishap conversation I had approved deferments ; but tried to switch conversation about how its not good for me and continued to go over all the deferments I received when this is not something I called for or asked about nor did I question, as I am fully aware of the deferments made. XXXX called herself counseling me and advising me to what is good for me, if I need some financial advice I will contact a professional on my own, nor did I ask XXXX for her personal opinions. Where does Nissan get the right to advise and counsel me from calling CUSTOMER SERVICE supervisor named XXXX XXXX?? Her incompetence is disturbing and treating me like a door mat is not acceptable. I have made payments on this loan OVER 3 years and not ONE LATE PAYMENT! NOT ONE! I have been treated unfairly and they have misused me and provided inappropriate, incorrect information,, threats of taking my car when its current and no late pays in over 3 years, inconsistent and the audacity to advise me. I did not ask for this at all.
10/20/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Termination fees or other problem when ending the lease early
  • NJ
  • 07410
Web
I would like to submit a claim regarding return my vehicle to dealer XXXX XXXX located in XXXX XXXX XXXX XXXX NY XXXX.The name of the person I was dealing with is XXXX who is currently still working for the company. Back in XX/XX/XXXX I have contacted dealership XXXX XXXX asking if I am able to turn my XXXX XXXX XXXX XXXX early and get same exact newer vehicle XXXX. I was advised by dealer XXXX that is no problem and that he will come by my office and bring me new vehicle and in return will pick up my XXXX of XXXX. On XX/XX/XXXX that is exactly what the dealer did, He charged me fees and send driver to bring new and pick up old vehicle. I did signed documents for new vehicle but did not received return receipt for old vehicle. XXXX advise me that the dealership have to check vehicle for any wear and tear then provide return receipt. I was waiting for this return receipt for about 60 days and was under impression everything has been fine and vehicle been return back to original owner which is Nissan/ Infiniti Finance. My payments for the vehicle was set up on auto pay this way no need to forget or worry. when I start receiving late notices, I went online to check what is going on then I found out that my old XXXX XXXX XXXX XXXX still under my name. I have called Infiniti and found out that vehicle has not return at all. I had contacted dealer where he told me not to worry where he will be paying payments as the term suppose to end by XXXX. That is when I contacted Infiniti and informed regarding this issue. later in the month or two Infiniti informed me that the Michigan police impounded vehicle with people driving for identity theft and looking for owner of the vehicle. The police could not contact me as I was no longer owner of the XXXX XXXX as I return my plates right after vehicle was turn in to the dealer. I have been contacting Infiniti for almost a year to find out what was going on and stop my payments. After all the battle with Infiniti with me trying to get their help I keep calling them.Company representative XXXX was constantly on the phone with me but the information she was telling me did not make sense. She was telling me that the company can't take possession of the vehicle because the title has been changed. I have came with thought to file a claim against my insurance as I thought it might be covered. lackaly yes XXXX ( Very happy to be with them ) was very nice and did cover the claim paying blue book value of the vehicle and as per Infiniti their value was {$5000.00} more then book value. in the meantime the XXXX XXXX XXXX XXXX ( my old lease vehicle ) was sold on Sheriff sale to some lady who took legal possession of the vehicle. My battle here is first Infiniti Financial post it charge off on my account even though knowing about the situation and even having in contact with Insurance company claim department. Second, my lease for XXXX XXXX had GAP coverage which must apply to the balance of you payoff. Company fully ignoring me and not doing anything. I have left several messages, spoke with representatives who are picking up the phone. I exhaust all options and looking for help. I did nothing wrong, paid my lease exact at due dates never been late till the vehicle has been stolen from me. that is the claim determination. I was trying to claim right after I found vehicle did not returned but dealer was telling me that he is getting vehicle back. I have all proves which I send to insurance company. I spoke to attorney and as per attorney I can't even sue the dealership for this act. Please help me to get this issue resolved. My credit has charge off which is effective my job as well as any purchases. Please call me at your earliest convenient for any evidence of this incident. XXXX claims representative will be willing to provide any necessary documents. More the company Infiniti Financial representative told the claims that they will get GAP applied toward the balance and will do work hard to remove the charge off status of my credit report. Thank you in advance for your help. Sincerely. XXXX XXXX
06/09/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • NY
  • 11201
Web
Hi, I took out a loan for a care with Nissan finance in XXXX. The loan was for roughly {$18000.00}, for a XXXX XXXX. At the time, I was a grad student. I paid off the payments every month for an extended loan period. Over the following six years, I was a teacher and then later applied to law school. I paid the final payment when I was in law school, in the spring of my 2L year. I have an email titled " Payoff success '' from XX/XX/XXXX from Nissan. After that " success email, '' and paying the final payment, Nissan sent me my title to my car, which I received in XX/XX/XXXX. After receiving my title, I did not have any contact with Nissan finance for almost 8 months. I had paid off my loan in full ( I assumed ) without ever making a late payment, and had been given my title by Nissan as proof of that fact. Almost 7 months after receiving my title, I signed up for XXXX. I received a warning " overdue car payment. '' I was concerned, and assumed something fraudulent had occurred. At the time, I was in my 3L year of law school. I logged back into my old Nissan account, which I had not had any reason to log into since receiving my title. Nissan was claiming that a final payment of around {$150.00} had never been paid, and had been dinging my credit score for all the months after it had sent me my title for late car payments. My credit score-perfect before-had tanked. I called Nissan and they told me that my bank had refunded the final payment. They claimed they had called to alert me, but they absolutely never had. I have no emails or calls from Nissan, and I'm sure they can't point to any either. I spoke to at least five different people at Nissan, trying to figure out what to do. I sent in a payment for the roughly {$200.00} in XX/XX/XXXX( I think there had been some late fees, but I'm not sure ), but before my payment could process, Nissan " forgave '' the final {$150.00}. So, after all those months of dinging me for {$150.00} out of almost {$20000.00} total, when I tried to pay it, they in effect would not let me pay it. I called again, trying to figure out who to talk to in order to get black mark off my credit report. A woman gave me an address to mail a letter to. I mailed a letter with all these specifics, my account number, etc. to the address in spring XXXX. Months later, in summer XXXX, I received a letter stating that it was within Nissan 's discretion to remove the overdue payment mark and they were refusing to do so. It's a little funny, because I'm now a barred attorney in New York and I work at a law firm, but I feel completely helpless with this situation. I have no idea where to start or what to do to protect what I know are my rights under the law. I've also been overwhelmed as a first year associate at a law firm, and haven't had time to figure out how to resolve this issue. I know that it was fraudulent to assess these allegations against me after I paid off my entire care payment in full. I know that, even if I had missed the final payment, or somehow my bank refused to pay out the {$150.00}, it seems like Nissan is in the wrong for sending me my title but never contacting me once about this allegedly unpaid payment. But I just don't know what I'm supposed to do about it. I have the letter Nissan sent me in response to my letter, and somewhere I must have a copy of the letter I sent to Nissan. I have my Nissan account number, and Nissan must have a record of six years of timely payments. I recently applied for an apartment in New York, and was denied the apartment despite making a good salary per year because of the " serious delinquencies '' on my credit history because of this Nissan problem. If I have to, I suppose I can hire an attorney for this problem myself. But it just feels WRONG and generally like Nissan should be held accountable. I assume if they are doing this to me, they are doing it to a bunch of people less able to advocate for themselves than I am. Could you please help me to hold Nissan accountable, and point me in the right direction for what I should do? Thank you, XXXX
07/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28216
Web
Illegal practices and consumer reporting. Company uses third-party to harass you and terrible customer service! On XX/XX/2018, a stranger showed up at my home stating that he worked for a third party that handled Nissan accounts in Collections. He stated that he needed to connect me with Nissan to discuss my account. He refused to identify himself or the company he worked for and had documents with him that he would not let me see and would not allow me to contact Nissan myself. He called Nissan on his phone and I spoke with a rep who was rude and told me if my payments were made on time they would not have had to send anyone to my home. He stated that my payment was 45 days late and in collections and I told him that was false because I made a payment on XX/XX/2018 ( a few days late from my XX/XX/2018 due date ). He placed me on hold and came back about 5 minutes later and said they had sent me letters to my address and I explained that I never received those and that the payment I made in XX/XX/XXXX was for Principal & Interest and asked if that was what was causing my payment to appear late. He continued to talk over me. I asked if he could send me copies of the letters they supposedly sent and he refused. Finally, I was transferred to a supervisor who was much easier to communicate with. She confirmed that payments made to principal & interest don't reflect as a regular payment and was willing to reverse and post it as a regular payment so that the account could be caught up. I told her I only did it that way because I am upside down on the loan and want trying to refinance. Today XX/XX/18, I received alerts from XXXX indicating that Nissan has alerted them of my account being 30 days late. I was already planning to make a payment on XX/XX/18 for my XX/XX/XXXX payment ( due XX/XX/XXXX ) so I went to their website to set up the payment and decided to chat to ask about the inaccurate reporting. I chatted with a person named XXXX and explained my situation, advised that I would be paying the past due on today and he still would not assist me. Apparently, he could not see that while chatting with him I had set up the payment for XX/XX/XXXX to be drafted from my account. He asked me repeatedly if I would be taking care of the balance and each time I told him yes and copied and pasted confirmation of the payment made. After having him threaten to disconnect the chat twice, when I gave him confirmation of payment, he said he would forward my concerns to their Credit team and they would send me something in writing. This is unacceptable! First of all, the last time they " sent me something in writing '', I did not receive it. I was not provided with any resolution or real support to address my concerns. He was very rude and disrespectful to me and did not show any signs of empathy or even wanting to assist me. Nissan illegally reported inaccurate information that will hurt my credit rating and scores I am working hard to improve. I want this fixed and I do not want to be given the runaround to reach a resolution. When I try to contact them and get help they clearly show that they do not care and because your account is only a few days late they treat you poorly and make comments like " Well if you had paid your bill or if you pay on time ''. I live off of an income that allows me to pay my rent and bills when I get paid. I do not purposely pay late. I have never had to deal with anything like this, ever. I have worked in finance and customer service for years and never treated anyone to this standard. With today 's economy and the world that we live in you would think that they would try to put themselves in the consumers shoes and be a bit more understanding but unfortunately that's not the case. I hope that I can get out of this loan with Nissan and refinance my car with my credit union. I need them to fix my credit reporting immediately within less than 30 days. I need confirmation of the error sent to me in writing to my home address and to all three credit reporting agencies and also via e-mail to XXXX to ensure delivery.
01/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30135
Web
In XXXX I noticed that my credit score dropped but I hadn't made any credit purchases and all my bills were current ( so i thought ). I contacted the credit bureaus they said that Infiniti XXXX was reporting late payments. My wife is a co-borrowers on this account. She filed for bankruptcy and her lawyer listed the Infiniti account in her bankruptcy, unbeknownst to me. I called Infiniti XXXX to get an understanding of what was going on, as well as to explain what I believed was happening. I have never been 30 days late on this account but because we were not getting any bills, I missed the next due payment. I wanted to make sure we were not missing anymore payments and to possibly get some type of courtesy because of my good payment history so I called Infiniti. I spoke to a representative who told me the account was in the loss mitigation, there would be no reporting on the account because of bankruptcy and no payments will be taken from my wife or me, nor would they be sending statements. I call back and speak with a gentleman in Loss Mitigation and again he told me that because this was in a bankruptcy, no reporting was to be done on this account with the credit bureaus, he couldnt take a payment from me and they would not send me any billing statements even though I was not apart of the bankruptcy ( I am the principal borrower ). So I am under the assumption that no payments can be made, so I hold the funds in an account. I then get another message from the credit bureau that my credit score has now went from XXXX to XXXX because Infiniti IS reporting late payments for me. I contacted the Infiniti bankruptcy or loss mitigation to see what steps to take to go forward with this inaccurate reporting. A rep says there was nothing that she could do about this but I could write a letter. I said I would rather speak to someone to get this started and asked to speak to a supervisor and she said the supervisor would tell me the same thing but she would transfer me. Speaking to the supervisor XXXX XXXX of Loss Recovery, she acknowledged that the account was in bankruptcy but I am not in bankruptcy so although payments are due for me and not my wife, they still cant take any payments, but I can go through a 3rd party to make payments and there was nothing else that I could do. I explained to her that when I spoke with someone in her dept previously, they said it should be no reporting on this account because it is in bankruptcy and I wont receive statements because it is in bankruptcy. The supervisor proceeded to say it is my issue and there is nothing else that can and will be done and it is what it is. The bankruptcy Lawyer also acknowledged that while this account was in bankruptcy there should not be any reporting on it and that he would be happy to report that to Infiniti XXXX. After not receiving ANY customer service, I paid the 2 months to bring the account current, but Infiniti declined to report my payments, saying I needed to have a document of Reaffirming the car, but this is not a car loan, but a lease and according to the attorney, there should be no reaffirming on a lease vehicle. Inifiniti then sends a letter in the mail to me and a separate letter my wife ( attached ) saying that unless this indebtedness has been excepted, I am not obligated or liable to this account, and if I want to continue receiving statements, to sign and return the letter. Both my wife and I mailed the document back but nothing was done. I was never in bankruptcy but half of infinitis bankruptcy rules apply to me, while others dont. The result of this issue has caused my credit which was otherwise good to be destroyed during this covid, financially strapped environment because of these 2 payments that we were not billed because of the bankruptcy but was reported to the credit bureau. All representatives of the finance company flatly refused any support, as if I was a habitually late customer.
06/11/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Problems when you are unable to pay
  • NC
  • 28273
Web
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.
01/12/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • AZ
  • 85382
Web Older American
XX/XX/XXXX I leased a Nissan Leaf ( all-electric vehicle with an XXXX mile range per charge ) from XXXX Nissan for a 3 year term. In XX/XX/XXXX my wife filed for divorce and I decided to move to Oregon. Driving the car to Oregon was out of the question. My attorney requested I find what the " walk-away '' value of the lease would be. In XX/XX/XXXX the dealership calculated the final lump payment to be {$6200.00}. In XX/XX/XXXX I requested information from the dealership on how to return the vehicle. I was instructed to contact Nissan. I did so and was first referred to an independent evaluation service who determined the vehicle in excellent condition for return. I took the vehicle to the dealership and completed the transfer. I was told I would receive a certified letter within XXXX weeks from XXXX with the final payoff amount. I never received that letter. In XX/XX/XXXX I received a call from Nissan accusing me of being 2 months past due on my lease payments. I told them I had returned the car but they claimed they had no record of it being returned. I called the dealership who confirmed it had been turned over to XXXX in XXXX. I called XXXX again and was referred to their " Concern Department '' and told an investigator would be put on the case and I would hear back within a few days. I never heard from them again. XX/XX/XXXX I received a document from Nissan dated XX/XX/XXXX that listed the vehicle as " repossessed '' and that I owed {$19000.00}. I called Nissan and was transferred to an individual by the name of XXXX. He was obnoxious and condescending in his attitude and response. He insisted the dealership should have told me the car would be classified as " repossessed. " I told him that not once in the entire process did anyone ever disclose, suggest, or warn that turning in the car it would be considered as repossession and that on multiple occasions I was told the pay-off would be in the {$5000.00} to {$6200.00} range. XXXX then asked why I had n't made a final lump sum payment the day I turned in the vehicle. I replied I was instructed by the dealership to wait for a certified letter. XXXX declared that Nissan did n't want the car back and that I owed them {$19000.00}. I asked if there was someone else I could talk to and he told me to talk to the credit bureaus and to my attorney. I tried to contact the General Manager of XXXX Nissan but he never returned my phone call. I followed all the steps I was instructed to follow but now in XX/XX/XXXX, I have no resolution in this matter except for a document that says we owe {$19000.00} and a FICO score that has dropped from XXXX to in the low XXXX 's. I ask that the dealership and Nissan be investigated for unintentional negligence because they misled, misrepresented, or concealed material facts pertinent to the surrender of my leased vehicle. They failed to warn me of any negative circumstances or damage to my credit as a result of returning the vehicle. For constructive fraud because they were careless and negligent in misrepresenting, concealing, and making false statements regarding the status of my surrender of the leased vehicle. They " lost '' the vehicle, then " found '' it and subsequently classified my return as a repossession is an attempt to cover up their own mismanagement of the return. And for actual fraud due to intentional concealment of material facts, false statements, and deceit with regard to the status of my voluntary surrender of the leased vehicle. The damage done to my credit rating and the insistence of payment of {$19000.00} for a vehicle that I no longer have in my possession or access to is tantamount to extortion and blackmail. I was told on several occasions by the dealership that the pay-off amount would be between {$5000.00} and {$6200.00} depending on when I returned the vehicle. I am willing and prepared to pay the remaining balance due on the lease.
03/20/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • CA
  • 95608
Web Older American
In XX/XX/XXXX my XXXX XXXX bankruptcy was converted to XXXX XXXX and discharged. Nissan Motor Acceptance Corp ( NMAC ) holds title and lien to my nearly paid off vehicle as the court was making payments to NMAC during the 3 year period prior while in XXXX XXXX reorganization. I was informed by my attorney at that time that I would have the option to either return the vehicle to NMAC and walk away free and clear or to pay the balance and keep the car. In XX/XX/XXXX, after waiting several months, I made a good faith attempt to contact NMAC to find out the status of my account, the payoff info and why I had not received any communication from them. I was told by customer service that they had not received any paperwork from the court as of yet. I specifically asked them to note the call to my account and asked that they call me when they got the paperwork so that we could proceed. The next thing I know, I am blind sided by a Notice of Default giving me 10 days to pay {$2900.00} amount they claim I owe ( in question ). I did not get this notice until XX/XX/XXXX as I was out of town during the holidays and tending to family business around my ailing fathers health and subsequent passing. The deadline on the notice was XX/XX/XXXX. I called immediately. It was apparent to me that they either did not review my account notes or there were no notes at all as they did not believe that I had called previously. Although I have made numerous requests for an accounting throughout this whole ordeal, my inquirys, concerns and even simple questions have only been met with deflection, threats, extreme intimidation and/or out and out ignored. The only response I have received at all is to Pay up or else! I felt so intimidated by their strong arm tactics I almost sent them a partial payment, but after a friends warning, decided not to without some kind of written assurance they won't take my car in the meantime. On one call they threatened to take my car the next day if I did not wire this partial payment to them by midnight. This was at XXXX XXXX the same day leaving me no time to get to bank let alone XXXX XXXX! I was told that, not only would they NOT give me anything in writing but they would not give me ANY assurances at all and they might just take my car anyway even if I did make the payment! My concerns over removal of the lien, how this would be reported on my credit and when I would get the pink slip have NEVER been addressed. I am a XXXX senior on a fixed income, and although I have no problem paying the fair balance that I owe, after the expense of my fathers passing, car repairs and travel during that time I just did not have the full amount they claim I owe. It is clear to me that my rights have been disregarded here as I have been lied too, threatened, abusively reprimanded by agents and have received no actioned response to the letters Ive sent attempting to resolve this situation. On one call the agent was quite literally yelling at me and finally hung up on me before she even knew what I was calling about! I wasnt able to get a word in edgewise. It would seem to me by timing, tactics and treatment that NMAC doesn't want the money, they just want to take my car ( worth more? )! I am quite sure NMAC would stack up deficiency, repo and other collection charges totaling more than I owe as well. It would surely ruin my credit for the next ten years at a time when I have struggled very hard to get back on my feet after a long expensive bankruptcy due to XXXX. Not only that but the In Default classification of my account has made it virtually impossible for me to refinance the very small balance remaining, even if I knew what that was. I have been given conflicting info about the amount as well. At this point NMAC has totally eroded any trust I had in them to deal with me fairly. We are now at a very disturbing stand still.
09/05/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • LA
  • 71259
Web
At the bottom is a copy of the certified letter I sent Nissan Motor Corporation. After multiple calls and letters, they refuse to work with me. I feel this is very unfair and does not reflect my excellent payment record. I am a cosigner on the total loss car and the new car. They sure didn't have a problem financing a new car for my daughter with me as a cosigner due to our repayment record. They did not even run a credit check because we were told there was no need due to our repayment record with the wrecked car, but they refuse to remove a late payment that I was unaware should have even been made. The car was a total loss. Insurance and gap should have covered the loan amount. We purchased another vehicle. Payment by insurance was still being negotiated along with canceled warranties. They applied those to the principal that left XX/XX/XXXX note unpaid. This was also the month we purchased the new car also through Nissan motor finance. I, the cosigner, was never notified of a balance or missed payment. Once I called to confirm gap payment, they informed me of XX/XX/XXXX missed payment. ( Again, I called them, they never called me. ) I immediately paid two installments which brought the car up to date and have continued to pay monthly while negotiating with insurance and gap. I have begged and pleaded due to circumstances for Nissan to remove the late payment remark they reported in XX/XX/XXXX, but they refuse. I do not understand. This will be on my record for seven years. That is not fair when before this, I had a 100 percent repayment record. Copy of Letter Second request. The first request mailed. I am begging for help on this issue. Please take the time to read. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX for an account that I am a cosigner on ( the XXXX XXXX XXXX acct # xxxxxxxxxxxxx. ) I want you to know that I understand my financial obligations, and if it werent for my daughter being involved in an accident that left her car a total loss, this would not have happened. Please review our payment history. We also financed another vehicle through Nissan based on our excellent credit. Acct # xxxxxxxxxxxx in XX/XX/XXXX. I thought that State farm and gap paid off the XXXX. I wasn't aware there was a balance on this account and I ( the cosigner ) was not notified of a missing payment or balance due. I have an excellent repayment record. I haven't had a late payment in over 8 years and it isn't fair that this will be on my record for 7 years as it does not reflect my repayment record accurately. I made a mistake in falling behind due to these circumstances but since then, the total loss account is up to date with no late or missed payment. I take responsibility but in 35 years of owning vehicles, I have never had this happen. I will set up auto payments or pay the loan off if necessary, to approve the removal of late payment. I am in the process of a construction loan and mortgage conversion and its come to my attention that the missed payment on my record has hurt my ability to qualify. My score in XX/XX/XXXX was a xxx. This late payment devastated my score and I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment posted on XX/XX/XXXX for XX/XX/XXXX payment. As you can see this is when we purchased the XXXX XXXXs and I was unaware of any balance or payment due on the XXXX. Thank you for your consideration and I hope youll approve my request. Best regards, xxxxxx xxxxxxxxx xxxxxxxxxxx
11/08/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • GA
  • 30309
Web
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.
12/22/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 91345
Web
On XX/XX/XXXX at about XXXX XXXX I received a call on my cell phone from someone identifying themselves as Investigator XXXX. This person immediately started to scream at me regarding a Nissan Versa that is under my father 's name and that I am consigned on. XXXX did not explain the situation, she just began to scream that they were going to take my car and there was an alert out and I would not be allowed to take anything out of it. When I asked what was going on she just kept screaming " ask you dad '' and refused to give me more information. My father has been making payments on this car since XX/XX/XXXX. I have never been contacted regarding a missed payment. I did not have access to this account prior to Friday XX/XX/XXXX. XXXX would not let me speak or give me answers. I know my rights, and I know that I have a right to be told what the problem is and I also have a right to try to fix it, which I did, immediately. Just like I would have made a payment if someone had contacted me XX/XX/XXXX when this problem began. I have a right to know if something is wrong. I have a right to not be screamed at and treated basically like I am a criminal. I understand this is my father 's fault. Lately he has proven himself untrustworthy and a liar, but I swear I did not know there was a problem. I rely on this vehicle to get to work, to take my daughter who is mentally ill to her appointments, and to take her to get her medications. I was terrified this weekend, even though I fixed the problem on Friday when someone in the Finance department finally listened to me and helped. I hid in my house, afraid that my daughter would be around for some repo man to violate my rights as a consumer. Every time I heard a car that sounded like a tow truck I cried. I hid. I am a citizen who has never been in trouble and this weekend I felt like someone was coming to arrest me. That is unacceptable. Just like my father not paying and not letting me know and giving you all the run around is unacceptable. Going forward I will be making the payments myself and I am taking the proper steps to remove him from this contract. I have not seen him and I have not talked to him prior to Friday when I called and asked what the problem was, and he continued to lie to me which tells me he has been lying to you all about the payments. I know you all probably hear this all the time, but I was not made aware of the situation, by my father or by Nissan. I would think that a call or a message to my cell would be the appropriate steps before having some " investigator '' call me screaming about the car. If I would have known XX/XX/XXXX that there was a problem I would have paid, but I was not given that right. I have exercised my right to cure the default, and I now want a guaranteed that the system has been updated and that I do not have to be afraid that when I go somewhere my car will not be gone when I come out. I want to know why your employee is allowed to speak to me in the manner that was used. I want to know what is being done about the failure to notify me, the other person on the contract, that there was a problem. I want to know what the consequence is for Investigator XXXX not informing me what the problem is and letting me know my options. I do understand that this is a grave mistake made by my father, and I should have checked on it, but I did not have a reason to think anything was wrong since he has been paying for three years and most importantly was not made aware of a problem. I understand the gravity of the situation but feel that it could have been explained to me before I was screamed at. I have a right to know the details. I would appreciate a response since I am now afraid to drive my car. I have taken the proper steps to ensure that this not happen ever again as I am now the only contact on the account. I
09/18/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • DE
  • 19956
Web Servicemember
Account : NMAC XXXX Account Holder : XXXX XXXX XXXX Action Requested : Investigation to remove adverse action on credit report. To whom it may concern, I received a notification via mail on XXXX XX/XX/XXXX from a collection agency ( XXXX XXXX , XXXX ) of a bill for {$880.00} ( account # XXXX # XXXX. The bill listed Nissan Motor Acceptance Corporation ( NMAC ) as the creditor. My Wife contacted NMAC via phone on XXXX XXXX to inquire about this bill. The customer service representative ( XXXX ext XXXX ) explained this bill was a result of us not submitting payment for the pay-off amount for our auto loan, and as a result, NMAC referred the amount to a collection agency ( XXXX ). My Wife explained that we did not receive notification of a pay-off amount and that our auto-payment account was still active and funded. XXXX responded that there was nothing she could do for us and we needed to pay the collection agency in order to settle the account. I contacted NMAC via phone the following day ( XXXX XXXX ) and spoke with the same representative ( XXXX ) concerning this account. XXXX stated that a letter was sent via mail to our home address in XXXX to notify us of the bill for the pay-off amount. I explained that we never received any letter from NMAC and asked why we were not notified by phone or email before the bill was referred to collections. I explained further that our automatic payment account was still active with monthly payments being withdrawn by NMAC on a consistent basis. I explained that every payment on this loan and on the previous Nissan vehicle I purchased was paid in full and on time. I asked how we were supposed to make a payment that we did not know about. XXXX responded that there was nothing further we could do other than pay the collection agency ( XXXX ). I asked if we could file a complaint, and she responded that we would have to contact Nissan Consumer Affairs in order to do that. Per Doyinsolas recommendation, I contacted Nissan Consumer Affairs via phone and was immediately referred back to NMAC for all issues regarding Nissan finance accounts. I was informed that Nissan Consumer Affairs does not accept complaints regarding finance. After this, I contacted NMAC again via phone and requested to file a complaint. In response I was told that they did not take complaints over the phone and that I would need to send any complaint via mail. Since no one at NMAC would assist me in resolving this issue, I decided to contact XXXX and pay the bill. I spoke with XXXX at XXXX on XXXX XXXX and paid the amount in full ( $ XXXX # XXXX XXXX. My Wife and I have filed a complaint with the XXXX XXXX XXXX ( # XXXX ) against NMAC and submitted dispute with all three credit agencies. There is no excuse for NMAC to treat customers in such a derogatory manner. Prior to this incident, there were no adverse accounts or missed payments on my credit reports. I serve on XXXX XXXX in the United States XXXX and have worked hard for many years to maintain excellent credit in order to support my Wife and Children. To demonstrate the inaccuracies on NMAC 's part, I am uploading a receipt showing the account to be paid in full along with a notification from XX/XX/XXXX received from Nissan/Infiniti ( NMAC ) that lists the vehicle 's full VIN number and state 's that it was paid off at that time. Prior to the letter received from the collection agency in XXXX, that is the last document received via U.S. mail from NMAC. The last email received was delivered on XX/XX/XXXX, which indicated a statement was available for view on XXXX. The account holder 's contact info ( phone, email, mailing address ) has not changed since the origin of the loan. All three credit bureaus now reflect derogatory information on the account holder 's credit report as a result of NMAC 's reporting. Sincerely, XXXX XXXX XXXX
09/24/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • PA
  • 19115
Web
I had an accident that totaled my car. My insurance paid on the claim. I had gap insurance that I purchased at the time of the sale. Nissan mailed a package to the insurance the gap insurance company and myself. I assumed all was well as I did not hear anything. I assumed the claim was fully paid. It wasnt until months later that I found out through a phone call from Nissan that I was in collections. I explained to the lady on the phone this cant possibly be. She told me I did not make payments. I told her that simply was not true. She explained I owed {$1900.00} and that it was for missed car payments. She really wasnt receptive about hearing me so I called XXXX the gap insurance company. They explained to me that three letters were mailed out asking for a Bill of sale. I explained that I never got them. I told her I would work on getting the bill of sale to her immediately. I was so infuriated by the representative from Nissan who told me emphatically, that I was in collections due to nonpayment, that I just had to call back. I explained to XXXX I was not delinquent in my payments. That it was in fact because The gap insurance company needed a bill of sale. She continued her delightfulness with me and told me I was a liar because it was mailed with my packet of information sent to me and to the gap insurance company. I looked in my packet and my bill of sale was not in there either. It was not included in the packet of information that was sent to me nor the gap insurance company. ( First error ). I called the gap insurance company back and through conversation I learned why I didnt get those three letters they had mailed me requesting the bill of sale. On the day of purchasing my car at XXXX Nissan, the gentleman entering the information failed to put my apartment number on the gap insurance addendum. ( Error two ). I live in a huge complex in the city of XXXX. Without an apartment number there is no way I would receive these letters. I was at work at the time and I called XXXX Nissan. I explained the situation to the gentleman that answered the phone. He was very helpful. He was able to get me a bill of sale within a couple of hours from Ohio and faxed it to me and to XXXX insurance company. The reason why he was so helpful and really went above and beyond was because he felt badly about the critical error they made at his dealership. XXXX received the bill of sale. They released the money to Nissan about {$1900.00}. My final balance was {$21.00}. Which I paid immediately upon learning this. My credit took a major dive. My credit report states that I was in collections with Nissan and it was a charge off. I would have never been in collections with Nissan if they had the right address put on the Gap insurance Addendum. They failed. And the amount was certainly not not not a charge off. My gap insurance company and I paid the balance in full. When I saw my credit take a major blow, I called Nissan and asked what they were going to do about this. They said, dont worry it will go back up. Well, it hasnt. If it wasnt for XXXX Nissans error at the time of sale, I would not find myself in the situation that Nissan caused me. I was assured by XXXX, the gap insurer, they were taking good notes. They were kind enough to fax me a copy of the final notice I never received. You can see my incomplete address there and in the original addendum from Nissan. I also included the portion of the bill of sale from Nissan with my complete address. Clearly an error by the man at XXXX Nissan. Please help! Nissan will not address this even though it was their error. And they were paid in full in the end. What charge off Nissan? Btw, Ive had two Nissans since 2014 and never missed a payment. Thanks Nissan!!! Oh, I replaced my car with a lovely XXXX!
05/08/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • MS
  • 39402
Web
I had gotten a XXXX Nissan Altima Coupe for my daughter and on or around XXXX XXXX, XXXX I got a flyer in the mail from Nissan for an option to trade in my lease for another lease without penalty or any money owed. I called Nissan Motor Corp. and was informed that it was indeed correct as long as my account was up to date. I had not even considered another lease until this time as nothing was wrong with the car. I then called XXXX XXXX Nissan in XXXX, MS., because they are the dealership I used to buy and lease my Nissans. They said that I could get another lease and they instantly started trying to locate the vehicle my daughter wanted, another XXXX XXXX, simply a different color. On XXXX XXXX, XXXX I went to XXXX XXXX Nissan to turn in the XXXX Altima Coupe for the XXXX Altima Coupe and was told that I owed absolutely nothing by the Finance/Sales Manager XXXX. Also, the salesperson, XXXX XXXX, assured me twice that I owed nothing. I left with the brand NEW lease car and they kept the XXXX. I started receiving phone calls from XXXX XXXX XXXX about a month later stating that I was behind on the XXXX lease payments. I told them that car had been turned in and I had a new lease. They then informed me that the XXXX had not been paid off by the XXXX XXXX Nissan dealership and that I was still responsible for it too. I called the XXXX XXXX dealership and was told that there had been some confusion between them and Nissan Motor Corp., because they had paid the car off. I continued to get calls from Nissan Motor Corp. and bills in the mail. I kept calling XXXX XXXX Nissan and was told it had been paid off. In XXXX I received a call from a collector named XXXX, at Nissan Motor. I told her what had happened so she said she would call XXXX XXXX XXXX and speak to the Finance/Sales Manager, XXXX. Approximately 10 minutes later she called me back to say that XXXX had just then paid the car off. After thinking this was the end of this confusion, I called the owner of XXXX XXXX Nissan, XXXX XXXX himself, and explained to him what had happened. I also told him that his loan officer had run my credit through XXXX banks when he was n't supposed to even be running it. The lease was only going to be with Nissan/XXXX XXXX so there was no need to run my credit through any banks. He never asked my permission for that. XXXX, apologized and said he would find out what had happened. In XXXX, I received another bill from Nissan Motor Corp., saying that I owed {$9300.00} for the XXXX that they kept. I called Nissan again and was told that this car was never paid off by XXXX XXXX Nissan and I was still responsible for the bill. I called XXXX XXXX and he said that he knew I did n't owe any money but he could n't help me or he might lose his job. I called XXXX XXXX, the owner, numerous times but he would not speak to me. Finally I reached him and he said he was sorry but it was not his responsibility to take care of this. XXXX the Finance/Sales Manager was no longer employed there so I could n't talk to him. I did not under any circumstances have to turn that car back in and if they had not sent the flyer ( which also came up missing from XXXX XXXX Nissan ) I would never have even considered another lease. Who lets you take a brand new lease car home if you owe them {$9300.00}?? No car dealership that I have ever heard of would let you leave with another car if you owed them anything. I am trying to refinance my house and Nissan has this on my credit report still saying that it was a " Write Off '', when in fact it was their mistake. I have it " in Dispute '' on my credit record but I need it removed in order to get my credit back. They have almost destroyed my credit and I had worked very hard to get my scores up. Please help me!
12/15/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 77385
Web
I lost my job in XXXX 2015, towards the end of the month I realized I had not paid my car note that was due XXXX XXXX, 2015. I instantly called Nissan Motor Acceptance Corporation to set up a payment arrangement. They agreed to offer a payment extension where they would move XXXX 2015 and XXXX 2015 payment to the end of the loan, extending my loan but giving me time to gain new employment. I signed the payment extension on XXXX XXXX, 2015, and mailed it the next day, by the claimed deadline, but they say did n't get it in time. When talking to them I specifically asked if I would be penalized if it got to them after XXXX/XXXX/2015, due to them not providing a return email address, or fax number, it having to be mailed to a P.O. Box, and me not being able to send it certified mail. They told me no. I have found new employment and have made XX/XX/XXXX and XX/XX/XXXX payments. My husband and I are currently trying to buy a house, which is when we were told that NMAC put a nick on my credit saying I was 30 days late for XXXX 2015. When I call, on XX/XX/2015, to ask why they had put on my credit that I was 30 days late, they claimed that I did not get my paper work to them prior to the date. When I explained what the original agent told me they said that it was not in the notes and that she would never have told me that. So I was pretty much called a liar, then I was told that it states that if I do not send the form back and that they do not receive it prior to the 30 day mark that it will count against you, and since they had " processed '' it on XX/XX/XXXX that they would not do a courtesy removal! I have a copy of the signed agreement and nowhere does it state such. It does however have an offer expiration date of XX/XX/2015. This week I pulled my credit and it now shows that I am not 30 days late for XX/XX/XXXX, but that I am 30 days late for XX/XX/XXXX. I called them yesterday morning and explained that it was showing that I was 30 days late for XX/XX/XXXX and that I had a bank statement showing that is not true. He looked it up and said no ma'am you were not late. So I asked if there was a letter they could send me to verify since we are currently trying to purchase a home, he said yes and that he would notate that they needed to put the information specific to XX/XX/XXXX on it. When I received it, it did not notate any such thing. So I called NMAC back again, and explained that I had received the letter that was not detailed as I had asked and was promised it would be and wanted to know what was going on. He said he could send out a new letter showing what I was asking and that it would have the specific times I was late. He then told me that It would state that I was 30 days late in XX/XX/XXXX and asked if I understood. I said no I did not due to the agreement, and wanted to know why it is constantly changing, and that I did not understand how they can just mess with people. I did what I was asked to do, by the time I was asked to do it, and now I am being penalized and having to constantly call and get " help '' yet they will not give it. I never received the letter they promised me yesterday, instead I received it this morning. It is the same letter that I got yesterday, the only difference is the due date and payment amount due. So once again I am on hold for another 30 minutes to 1 hour, to beg for help again, that I feel I will not receive. It is almost like they take pride in playing with people 's lives. I would like the nick to be removed, seeing as I was in compliance from the beginning. Otherwise what is the point in trying to do the right thing and call and set up payment arrangements when, they are going to penalize you, and treat you like dirt anyways? Can you help me please?
07/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • LA
  • 70072
Web
My name is XXXX XXXX XXXX. Ive been dealing with issue with Nissan Acceptance Corp since XXXX XXXX. I purchased my mother a car and it was in my name. But insurance was under her. On XXXX XXXX, XXXX she was involved in a 1 car accident. XXXX XXXX called it a total loss. On XXXX XXXX, XXXX XXXX XXXX sent Nissan a check for {$14000.00}. On XXXX XXXX, XXXX Nissan Acceptance cashed Insurance check ( have canceled check ). From then to late XXXX. XXXX XXXX could not start their process till receiving info packet from Nissan. I am not sure what they delay between cashing check and getting info to safe gap was due to. On XX/XX/XXXX XXXX XXXX sent a check to Nissan for {$5000.00}. On XX/XX/XXXX Nissan Acceptance Corp. cashed check ( have canceled check ). Since Late XXXX. I had been in contact with Nissan to find out what was the hold up to proceed to XXXX XXXX. Never could get answer. So, from XXXX till XX/XX/XXXX I received no less than XXXX calls looking for payments. I stopped paying in XXXX due to knowing they had cashed check from XXXX XXXX and was not giving me any information on why they were not getting info to safe gap. Well in Late XXXX. Safe Gap must have received the info packet to go forward with their portion of the payout. I kept receiving calls from Nissan Associates demanding I pay the remainder of the balance. All the while they had received and cashed XXXX XXXX check on XX/XX/XXXX. Every time they called, I tried to explain that check had been sent and cashed on XX/XX/XXXX. None of the Nissan employees would hear or listen to a word I had to say. Most of the time the person was very rude and demanding. Well finally on XX/XX/XXXX I get call and lady transfers me to total loss division of Nissan. I speak with Mrs. XXXX XXXX and explain to her that XXXX XXXX had sent check to XXXX and it had been cashed. So, she decided we would call XXXX XXXX to verify dates. Then we called XXXX XXXX and verified those dates. It wasnt till we later in the call that I told Mrs. XXXX about the handwritten # XXXX on each canceled check. She figured out what had happened. Who ever handled the XXXX XXXX check had put it into the wrong account. So, Mrs. XXXX started working on getting that matter straight. I spoke with her about Nissan restoring my credit rating. She spoke with her supervisor and they agreed. Ive been in contact with Mrs. XXXX once week to check to see what was going on. My Nissan account has been paid off, but they have not done anything to restore my credit. As of toady XXXX, XXXX when we spoke. They noted that account was paid off delinquent and that they could not do anything to restore my credit. Even though they could never explain to me what took from XXXX when they cashed the initial insurance check from XXXX XXXX to Late XXXX when Safe Gap could start to process my claim. Then cashing Safe Gap check on XX/XX/XXXX. But putting funds in the wrong account. All the while I was trying to get employee to hear what I had to say. I even made 3 separate trips to XXXX XXXX Nissan where car was purchased from to try and speak with someone in person. But I was never able to speak with anyone. They left me sitting in their lobby for nearly hour each time. Im honest hard-working person who does not have all the time in the world to deal with matters like this. I honestly had a gut feeling that once they received their money that they would not for fill their end of this matter. I have been the one dealing with my credit score going to trash due to Nissan. This whole matter should have been over in Late XXXX XXXX. But instead Im still having to deal with this currently. Any information would be greatly appreciated. Thanks Sincerely, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
05/26/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • GA
  • 30329
Web
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.
11/18/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • IL
  • 60465
Web
I bought a XXXX in XX/XX/XXXX. Initially, I did not want to buy XXXX, but after seeing the way the XXXX handled itself on the road, I was convinced. I have had nothing but trouble with XXXX since I purchased it last year, mainly with the customer service department at Nissan Motor Acceptance Corporation, which has ranged from rude to downright unprofessional. I made an arrangement with an executive in XX/XX/XXXX to pay the first of several back payments. XXXX days after I made the arrangement, I was contacted by a repo agent, who showed up to my apartment at XXXX to repossess my car. He did not update his information and took my car. I contacted the company to retrieve it. The repo agent came back with it the next day, along with a sorry excuse of an apology. I went to the recovery company where he was hired to get some sort of compensation for the XXXX he and XXXX put me through. I tried to make amends in terms of reconciling my delinquent account. I was well on my way to fulfilling that when I was involved in a motor vehicle accident in XXXX 2016, which required my car to be fixed. The at-fault insurance company wrote me a check for the amount of the damage and the body shop would have been paid, had I not used most of my repair money to pay XXXX! I asked XXXX for assistance to help secure my vehicle by paying the body shop ( where it was still sitting XXXX the {$2200.00} I still owe. They initially refused to help me. When I asked the executive specialist, XXXX, to refund my money so I can pay the owner, she said that XXXX would not do that. When I asked that same XXXX to let me speak to someone over her, she refused to let me talk to someone, as she was the last point of contact. I also spoke with a XXXX in their repossession department, who was the one who coerced me into repossessing my vehicle and whose exact words were, " food for thought, we can, with your permission, have your car seized from the body shop, we 'd pay for the fees and you would need to speak with the reinstatement department to possibly make arrangements to pay the storage fees and they may be able to work out a payment plan for the rest. Your account is in good standing but we want to try to help you. '' I told XXXX to give me time to raise the money on my own before I took that route. When I was unsuccessful in raising it on my own, I reluctantly and tearfully had my car seized. I was never sent a letter as to how to retrieve my vehicle or possessions, nor was I told that my car was being sold into auction XX/XX/XXXX, I found out from the Illinois Attorney General 's office, whom I also made an unsuccessful complaint against XXXX with. Because I chose XXXX, I was hounded, harassed, and humiliated by their customer service representatives, supervisors and managers, all of whom treated me like a criminal when I found myself late with my payments. Even after I made payments on what I owed, they still found a way to treat me horribly. I know that having my car repossessed while my account was in good standing was, in and of itself VERY ILLEGAL. I also know that, after making an initial arrangement in XX/XX/XXXX to pay the late XX/XX/XXXX payment with a XXXX executive specialist, only to have my car repossessed BY MISTAKE XXXX days later and I had to fight like XXXX to get my car back, I was not supposed to pay XXXX for that error and I will not pay them either. I am attaching the copies of my bank statements, the extension agreement, the letter from the Illinois Attorney General 's office, as well as an escalation letter sent on my behalf by XXXX, who is also working with me to get this repossession ( now charge off ) removed from my credit reports.
02/23/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • FL
  • 32937
Web Older American
We leased XXXX cars from Nissan on a 39 month lease which were paid for fully per the terms of the lease and when the lease had two weeks left before the cars were required to be turned in we leased XXXX new cars to replace them from XXXX of XXXX Florida and the XXXX dealership told us they would handle the return of our cars so that we would not have to return them ourselves, this took place on XXXX XXXX. XXXX and our lease was up in XXXX XXXX. For reasons still not fully explained, the XXXX dealership failed to return the cars as promised and they sat at their dealership for almost XXXX months before Nissan picked them up and as a result Nissan had started to posted late notices to my wife 's credit report, at no time did Nissan make any attempt to contact us or to inform us that they had not received the cars back, nor did they make any attempt to bill us for the continued use of the cars prior to their finally getting them back, they just went ahead and dinged the credit report. XX/XX/XXXX I received my first correspondence from Nissan saying that the cars had been returned and that I owed almost {$3000.00} in late fees and damages, about the same time I found out that they had been filing late notices with the credit agencies. I called them and asked why they had not told me about the fact that the cars had not been returned or sent me a bill so I would have known and the XXXX said they were not required to do it, I explained that the cars had been returned two weeks prior to the lease end date and had been fully paid prior to the turn in date and she said I would have to provide proof before she could do anything. I went to XXXX and confronted them about the problem as they had never told me that the cars were not returned and the dealer said they would put together new paperwork and send it to Nissan so that the problem would be resolved, they did the paperwork and faxed it to Nissan while I was in the office. As of 45 days later I still had not received a corrected bill and Nissan was continuing to report the account as past due, now reflecting almost six months of being late, I once again contacted Nissan and asked why the problem had not been resolved and the agent told me that they had no record of ever receiving any updated paperwork, so I personally went back to XXXX and had them provide me with new copies of the corrected odometer statements that clearly showed the correct dates and mileage of both cars and their return in XXXX XXXX and I attached them with a letter to Nissan proving their return per my earlier conversations with them and asking them to remove the negative reports from my wife 's files and send me a corrected bill which I would be happy to pay. At this point it was XXXX of XXXX and over 7 months of negative reports had been filed, on XXXX XXXX. XXXX I received a response letter from Nissan saying that they could not make any changes to a credit report without specific information and supporting documentation ( Which I had included in my letter ) and that they were unable and unwilling to fulfill my request. After receiving this letter I again called Nissan and explained that the documentation had been enclosed and that this was the third time these documents had been sent to them and I insisted they do something about the credit reports, the gals response was that it was to late they had charged off the account. I truly believe that the whole problem was a result of the fact that we did not get XXXX more Nissans and instead bought from a competitor even though we did try but could not get a decent deal from the local Nissan dealer. I would like them to clear this file from my wife 's history.
06/23/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • WA
  • 98826
Web
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. ]
09/01/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Termination fees or other problem when ending the lease early
  • FL
  • 33014
Web
Nissan End of Lease Billing Issues Dear Sir / Madam ; On XX/XX/XXXX I visited the Nissan Dealership located at XXXX XXXX XXXX XXXX XXXX, Florida XXXX in XXXX, FL with the intention of returning my XXXX XXXX XXXX and starting a new lease to cover 2 cars for another 3 years. I was offered by salesman XXXX XXXX a XXXX XXXX XXXX, an improved version of the same car with which I had had a great experience but the Manager on Duty was unable to flex the financing to something that could fit my budget even though I am a Tier 1 Nissan customer. I drove a 1/4 mile to the XXXX Dealership and they gladly leased me 2 brand new XXXX XXXX ( for myself and my wife ) with the same financing options I had just offered Nissan. I totally understand some dealerships are not sales oriented and can't offer flexible options letting deals slip by to companies more success driven. XXXX : XXXX I knew I would be faced with a Nissan End of Lease Termination Fee ( {$390.00} ) and a payment for some scratches ( {$310.00} ) I had on the XXXX XXXX XXXX XXXX : XXXX car and I am fine paying what is fair. However, my Lease was originally scheduled to end by XX/XX/XXXX and I had scheduled my last payment of {$240.00} for ( XX/XX/XXXX ) two days before the day I surrendered my car to the XXXX Dealership ( XX/XX/XXXX ) located at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX therefore I could not stop it. Since I did not use the car that month, should I be entitled to a refund of that month 's payment or a partially prorated refund? The reason I am writing this letter is that I believe I have been unfairly treated by the Nissan Financing Department : They sent me an End of Lease Liability Statement dated : XX/XX/XXXX which arrived to my appartment on XX/XX/XXXX ( as can be seen on the USPS Informed Delivered XXXX XXXX, please see attached documentation ) and was due on XX/XX/XXXX. This situation made it impossible for me to pay in time. I have read the Credit Card Act of 2009 which states a lender must provide the borrower at least 21 days grace period to pay a bill. Does this applies to all lenders? Is the Nissan Financing Department excempt from this law? https : XXXX Revises requirements for the timing of payments and the grace period. Requires each periodic statement of payment due to be mailed no later than 21 days before the payment due date. https : XXXX Baffled for the inevitability of a late payment and not knowing what to do I sent a full payment to Nissan Motor Acceptance Corporation XXXX XXXX XXXX XXXX XXXX, OH XXXX Account : XXXX XXXX XXXX which was received by Nissan as of XX/XX/XXXX as per Bank Statement. However on XX/XX/XXXX I received a Notice of Default from Nissan, 22 days since the original letter was mailed and only 15 days since it was received! I have had credit for over 20 years and never paid late. However Nissan has placed me in a situation that forces me to pay late which might damage my credit and assess me late fees, while charging me the full amount without providing a refund for the payment they received while the car was already returned. I approached the manager " XXXX '' at the dealership on XX/XX/XXXX to request a copy of the " Federal Odometer Statement '' and he said I had to obtain it from the XXXX Dealership where I was told previously XXXX had to provide it. I was not able to obtain it. He also stated the issue I was facing with the timing of the payment to Nissan could not be solved on premises and I had to contact Nissan directly by phone. I would like to request some help to make this situation right. Thank you very much for your interest on this situation, Mr. XXXX XXXX XXXX
09/16/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • FL
  • 33612
Web Servicemember
Tender was received to secure payment on a loan I never received, I also did not receive the promissory note in which belongs to me if supposedly I owe a debt. Second this account has been closed an status is charged off, instead off payed off Instrument number used to pay debt is XXXX XXXX and was received as of the XXXX of XXXX also requested certain information with no response detailed below Affidavit and Notice to Produce the Following : Evidence that requirements have been met for Perfecting Sections 9-313 and 9-316 ( d ) and ( e ) for goods covered by a certificate of title Please provide, 17CFR 240.12g5-1=name of record holder, identified as owner of securities on record certified copy of registration statement under 15 USC sub sect,77b ( a ) all info statements and returns filed with the IRS with the name and address of all recipients tax code 871 ( a ) ( 1 ) ,881 ( a ) ,1441 ( a ) ,1442 ( a ) and 6049. original promissory note at interest and allonge front and back affixed to original note at interest with endorsements related to transaction. Certified copies of the following : 1099OID report FR 2046 Balance Sheet 424-B5 Prospectus ; and RC-S and RC-B Call Schedule Indenture Trustee T-1 form Any FR2900 forms regarding this account the week transaction was completed 1, Provide status of holder of the instrument ( promissory note ) etc UCC sub.sect.3-301 or status of non-holder in possession of instrument who has the right of a holder UCC sub, sect. 3-301 ( ii ) 2.Prove status of being entitled to enforce the instrument as a person not in possession of the instrument pursuant to UCC 3-309 ( a ) ( 1 ). 3.Prove non possession of the note is not the result of a transfer 9UCC3-309 ( a ) ( 2 ) ). To assure no fraud has been committed Pursuant to UCC 3-305. Illegality and false representation ( fraud ) perpetuated in this transaction According to General Accounting Principle ( GAAP ) 10 calendar days will be provided for your proper response related to this notice, Acquiescence will confirm account balance has been properly adjusted to {$0.00} Balance as per contract ( Money Order ) previously received for proper adjustment and original title provided. This notice can and will be used if legal action is necessary for damages. Hello Ms. XXXX, XXXX Infiniti Financial Services department would be the best department to assist with your email inquiry. Unfortunately, they do not have an email support team and you would need to contact their department directly via phone to receive further assistance. If this a legal matter, an attorney letter of representation would need to be sent to the following address and our Arbitration 's department will reach out to the appropriate party : and XXXX to me We have been trying to deliver an important message to you from Nissan Motor Acceptance Corporation XXXX Please call today at XXXX. Our Office is open between the hours of XXXX a.m. to XXXX p.m. XXXX Monday - Thursday, XXXX a.m. to XXXX p.m. XXXX Friday, and XXXX a.m. to XXXX p.m. XXXX Saturday. Respectfully, Nissan Motor Acceptance Corporation Please note that replies to this email will not be answered. This is an attempt to collect a debt. Any information obtained will be used for that purpose. No response from regular mail or email. I collected certified mail receipts, where an offer was made to settle the accounting for some odd reason their are two companies here with my information both claiming to have an interest nothing has been provided to the fact, no information as to where the promise to pay is located or ownership or right to collect. I have not received a loan.
08/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 95492
Web
Nissan falsely reported to credit agencies that my account was delinquent. The vehicle in question was no longer in my possession I leased a XXXX XXXX XXXX XXXX # XXXX in XX/XX/XXXX. On XX/XX/XXXX I sold my vehicle to XXXX XXXX in XXXX XXXX, CA. The purchase price was the remainder owed on my lease ( XXXX ) + ( {$47.00} ). This vehicle is currently in their inventory and is XXXX XXXX Stock # XXXX. The lease end date was in XXXX. I had paid my dues until this date, and expected that the dealership would pay off the loan as the salesperson and I had discussed. I gave XXXX XXXX my XXXX account information at the time of sale, and was never contacted by XXXX XXXX again following the sale. XXXX XXXX failed to pay off my lease, and in early XXXX I began receiving calls randomly with no voicemail. I can not get my phone records from XXXX, because I never picked up these phone calls. XXXX refuses to tell me exact dates, or whether voicemails were made in order to contact me. I have explained to XXXX that I work overnight shifts, and I was typically asleep during the times I received these phone calls. Like most people when I see XXXX phone numbers, I just assume they are SPAM calls. In XXXX my work closed down for several weeks because of a Covid-19 outbreak. I was finally was able to get in touch with XXXX during this time during XXXX of their random phone calls. I informed them of the sale date, and even gave them the phone number of the car dealership. I offered to send them the paperwork to show that the sale date was accurate, and that I had not been at fault for this issue. They were finally paid by XXXX Motorcars on XX/XX/XXXX. XXXX has since reported to all major credit agencies that I have a delinquent account, which has made my credit score so low that I am now having trouble finding a place to rent. I have called XXXX several times and from what I am told the only way they would consider reversing these false reports is to have the dealership write me a letter accepting blame for the non-payment. I have offered to provide the transfer of liability, as well as credit card statements showing that I paid XXXX XXXX on the sale date the extra amount negotiated for the transfer of the vehicle. They have told me on several interactions that this was entirely my fault, and I can only resolve this with a letter from the car dealership. This is very frustrating, and honestly I have never been so disgusted with a financial institution. It is pretty obvious that this was whole situation is the result of non-payment by the car dealership, and throughout this process I never received an email, or letter by mail from XXXX. Their customer service representatives refuse to help me, and have given me the address of XXXX Credit Bureau Disputes as my only chance at resolution. There is no guarantee they will even fix this, and I have now been told several times that this is " a totally common occurrence for customers. '' If this issue happens so often why is this process so muddled and confusing to navigate. I have had several customer service representatives tell me different ways to navigate this issue, and I do not understand why I am unable to just show proof of transfer via XXXX paperwork. My only hope of repairing my credit is relying on the car dealership who purposely withheld payment knowingly as a means to save money. It is very obvious that this is a tactic that many dealerships use to essentially extend a line of credit without any responsibility being placed on themselves. The sheer acknowledgement from XXXX that this is a common occurrence tells me that this is a known practice.
10/24/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • GA
  • 30360
Web
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX ( XXXX ) XXXXCONSUMER COMPLAINTCFPBConsumer Financial Protection BureauWashington DC, Re : 2016 XXXX XXXX purchased XX/XX/2016VIN # XXXX I have been unsuccessful in my efforts to solve this problem with NISSAN.I was sold two 2016 XXXX XXXX vehicles last year and I believe it happened due to Unfair or Deceptive Trade Practices. I purchased these vehicle in Georgia which under Georgia Code 10-1-372, states that : A person engages in a deceptive trade practice when in the course of business, he ; ( a ) ( 2 ) Causes confusion or misunderstanding of goods and services to another ; ( a ) ( 8 ) Disparages the goods, services, or business of another by false or misleading representation of facts. ( a ) ( 12 ) Engages in any other conduct which creates the likelihood of confusion or of misunderstanding.I was engaging in my first purchase of a vehicle at NISSANS new car dealership and feel with the level of understanding and expertise of their sales people I should not have had the experience I had of being tricked into the purchase of my two vehicles. On or aboutXX/XX/2016 I bought my first 2016 XXXX XXXX from N|ISSAN.About two weeks later, I contacted NISSAN after the purchase of my first vehicle because I felt with my credit score I was given too high an interest rate. After about two more weeks of phonecalls, I finally began receiving emails and phone calls from NISSAN about how I could refinancethe car at a lower interest rate. I finally found time to meet someone NISSAN, I think her name was XXXX XXXX. She wassomeone who contacted me about refinancing for a lower interest rate. When I arrived at the dealership I was met by a salesman, XXXX XXXX. I explained to him why I was there and gave him the name of who I wanted to see, but he said he could help me because the lady was not available.From the inception of the deal for the second 2016 NISSAN vehicle, the salesman was telling meand leading me to believe the first NISSAN that I currently owned would just be picked up. He made me to understand that there wasnt anything more to the deal other than me purchasing a new 2016 NISSAN vehicle and then having the first car picked up by the company. I was not clear who would be picking up the vehicle until I called my finance company and they explained the situation to me. I was told that I would be doing a voluntary repossession. This was a term that was never used by the Salesman at the NISSAN dealership. At no time did he offer the option of a trade-in which I later found out should have been offered by the Salesman. At my young age and due to my inexperience, he knew I wouldnt know every option available to me. Ifeel he should have mentioned the trade-in option. But if his intention was to deceive me into a new car deal I can now see why he wouldnt mention the trade-in. I feel he took advantage of my lack of knowledge and inexperience. He then misrepresented the transaction of the new car purchase by hiding that I would have to voluntarily repossess my first vehicle.I have made every effort to remedy this issue. I went back to the dealership a few weeks late andthe salesman, XXXX XXXX, no longer worked for the dealership. I wrote letters to XXXX XXXX, General Manager, at NISSAN. I went in person on several occasions, to see Mr. XXXX, but I was always told he wasnt there. I left messages, but he didnt return my calls, so I believe he just refused to see me on this issue and will not help me. As a result of the unfair sale both cars were repossessed and it is currently poorly reflecting on my credit score
05/24/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • VA
  • 23324
Web Servicemember
On or about XX/XX/XXXX, I acquired a XXXX XXXX XXXX ( demo ) from XXXX XXXX. I worked with XXXX XXXX and this would be my second time working with him. I got the XXXX and it took two days to do the deal, the payment was {$590.00} I asked about property taxes I was told that they were included with the payment, they were not. I have not paid any property taxes and refuse to pay because of the tactics that were used. This was my first time leasing, about a year in I reviewed the documents and noticed that the mileage had XXXX on the documents, I called and went over them with the representative from Nissan. The representatives have continuously violated my requests to stop calling me and have harassed me over the course of this lease. Their representatives have used profanity on an open line and have been difficult. Nissan has stated that the issue would be corrected and it has not and has neglected to follow up with the Dealership to ensure that they would correct the " so called error ''. I made a complaint with the CFPB this was around XXXX. Time passed and this issue was still unresolved. I began receiving calls and mailers from Nissan about the lease ending and I starting reviewing the documents again and going back to attempt to resolve the issue/complaint. I contacted Nissan 's Consumer Affairs, we were in the Pandemic by this time, I noticed the response from Nissan from my initial complaint, it stated that the Dealership was to correct the issue. XXXXXXXX XXXX never contacted me, I had reached out to them to discuss it and they never offer to correct it. Mind you this was before I knew about the letter from Nissan Finance. Moving forward, I made a DMV, complaint because I strongly believed that Nissan Finance should have reconciled the title against my contract upon receipt and then there would not have been this mistrust between myself, Nissan and the dealership. However, it was me, the Consumer that discovered the error. So, we get to the end of the lease, I find a XXXX I like at XXXX, I get approved at XXXX and the XXXX is on the way. I also attempt to resolve yet again with Nissan, they have a XXXX so I call them and go into the Dealership on XX/XX/XXXX meet with XXXX XXXX to attempt to transact a third vehicle with XXXX XXXX he passes me off to a young lady. I can't recall her name but she was very nice. I complete a full credit application pay stubs, drivers license to purchase, they appraised my car and had an opportunity to check mileage and damage. Mr. XXXX XXXX asks how much did my car appraise for I didn't disclose because that wasn't the issue. However, my car appraised for {$19000.00} at XXXX and then he began to state that I owed over {$4000.00} in early lease termination fees. Which was a lie. He could not have contacted Nissan otherwise they would have explained the issue about the contract which I did and the property taxes I requested my keys and left. Then I purchase my XXXX at XXXX and attempted to pay them off I authorized them to speak with XXXX and anyone from including my salesman XXXX XXXX. Nissan refused, so they could further damage me and my credit worthiness. They now are reporting late on my credit report after the mileage was incorrect on a lease, my contract stated XXXX miles and the title had XXXX according to Nissan. However, I never signed for the new amount and if I had not caught the " so called error '' they would have charged me at the overage from 270 miles. They came and picked up the vehicle on or about XX/XX/XXXX. I still have not heard from them regarding the mileage and their error.
09/16/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • MA
  • 02421
Web
Subject : Nissan didnt provide me any payment relief options during the COVID-19 crisis and repossessed the car without any previous notice ( prior to 90 days due ), creating all types of difficulties to terminate contract and/or getting to an agreement. Details : My name is XXXX XXXX XXXX XXXX, I am a recurrent Nissan leasing customer - I bought the first Nissan Pathfinder in XX/XX/XXXX XXXX XXXX XXXX ), complied with all the leasing terms and later in XXXX I entered in a new leasing contract XX/XX/XXXX of a new XXXX XXXX ( XXXX XXXX ). Regarding the current leasing contract ( subject of this letter ), I have paid all the monthly bills through my XXXX XXXX XXXX checking account ( preauthorized monthly debit transaction ) since the begging of the contract - until XX/XX/XXXX, without any payment default and/or delay ( not even one day of delay for any installment payment ). In XX/XX/XXXX I have called the Nissan corporation to ask for an early termination or payment relief since COVID-19 crisis had affected my financials and I was not using the car it all. The company not only declined my request but also for my surprise they have sent a debit collector on the night of XX/XX/XXXX ( Sunday XXXX ) in attempt to repossess the car due to a delay of payment ( last payment was done by XX/XX/XXXX ). At that event I couldnt call the company ( call center was closed ), the Nissan representative threaten me calling the police if I would deny to let him toll the car causing even bigger embarrassment in the front of my neighbors. So I had no other choice unless authorizing the company representative to toll my car on a Sunday night without any possibility of reaction. Nonetheless the attempt to repossess the car happened without any previous attempt by Nissan to collect the debit neither by phone, mail or email. After several contact tentative I was able to talk to the Nissan debt collection agent, over the phone, on XXXX, XXXX, XXXX, who denied to provide his name by the end of the call ( gave me only a company internal ID number - XXXX ). The agent mentioned during the call that the tentative of collection was not necessary and the company could do as courtesy and in order to repossess the towed car I would have to pay in full not only {$1000.00} ( equivalent to the payment balance ) but actually {$3300.00} due to taxes and fees, without any possibility of renegotiation. I offered to pay all the balance in full and return the car back to the company and the agent said it was not acceptable by the company. The agent said if I didnt agree with that situation I should submit a dispute letter to the company, but again, he didnt gave me any further guidance on how to do it, reason why I am sending this letter to you in advance ( the call with recorded and this information of this letter can be extensively proved by bank statements, lease contracts and calls recorded files ). In other words, the company not only took advantage of their client in a moment of such social pain and financial struggle but also caused more stress and embarrassment to a family of a recurrent customer with no previous track record of payment default ( not only one month / day of delay since the beginning of the contract ). I have another two leasing contracts with XXXX XXXX and XXXX and both are also in perfect payment status as can be notice in my credit history, so I don't want to harm any business, but I kindly ask your interference to help me negotiating the leasing balance payment ( {$1000.00} ) and the contract termination.
06/12/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • CA
  • 95401
Web
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
12/20/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 91320
Web
I Leased a XXXX XXXX in XXXX and there was a problem with the universal ball joint of the right front wheel, which I learned should be replaced, and NEVER serviced. I took the truck to XXXX XXXX XXXX and they packed it full of grease to silence it and I took possession of the vehicle back having thought it was properly fixed. The vehicle functioned properly until ~2 months before the end of the lease at which point the joint failed while my husband was driving the vehicle causing the wheel to come off and pulling the fender off with it. He was able to avoid hitting anything and safely stopped the vehicle and called XXXX. As There was no accident, the responding police officer would not file an incident report, rather told him to get the vehicle fixed and file a claim with Nisaan The vehicle was un-drivable and my husband had it towed to an authorized repair shop as directed by Nissan. The repair shop kept the truck for almost 4 months. Although we had no car, I made my required final 2 months of lease payments to Nissan as scheduled. The parts took 4 months to get from Nissan and after they repaired it, I returned it to a authorized dealer of their choosing. If the Nissan dealer fixed the car properly in the beginning, or if Nissan delivered the parts to the authorized repair shop in a timely fashion, within the 2 months I had left on the lease, the truck would have been repaired and returned before the end of the lease. I paid the lease as agreed, I did not sue Nissan for returning an unsafe vehicle to us, Endangering our lives, or for all of the struggle I had over the last 9 years trying to get a new car and now a home mortgage loan. After all of this, they refused to close the account, damaging my credit for the last 9 years, leaving me unable to purchase a car or home having to use a co-signor for 3 years after they refused to close the account due to this erroneous report. Nissan still continues to refuse to remove this from my credit report, leaving this as an open account crippling my credit score and debt-to-income ratio. I was relocated and offered a relocation package due to the increased cost of living and I have been trying to get a home mortgage and have repeatedly been told that this report is adversely affecting my credit and not only have I missed buying 2 homes in the last 1.5 years, I have now lost my relocation benefits from my new employer as they expired. My mortgage lender stated this Nissan report is adversely affecting my score and my debt-to income ratio. Now I must continue to pay high rent and wait for this to be resolved. My relocation package was a large part of my decision to take this job as we moved from a very low cost of living area to a very high cost of living area. I was offered 30 % of my salary toward my mortgage payments over 4 years, company paid closing costs and 1 point paid down on my mortgage. This loss is a huge impact to me and my family as I am head of household and currently the only income for my family. The housing costs have increased over the last 2 years and now I am looking at the same homes which are ~ {$100000.00} more than in XXXX. In conclusion I feel I was wrongly treated over this for many years and would like reparations for my unnecessary struggles with this report on my credit. Nissan motor is well over the 7 year limit for reporting to credit bureaus and they are have been in violation of the Federal Consumer Protection Act for reporting erroneous information to the credit bureaus for ~2 years.
09/18/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • NJ
  • 07960
Web
Prior to the conclusion of my lease contract with XXXX, I contacted my local dealer, XXXX XXXX, which is the same dealer I used when entering the lease, to discuss options available at the lease termination ( e.g., purchasing the vehicle, entering a new lease, purchasing another vehicle, etc. ). After some brief conversation, I was advised to stop into the showroom and discuss options in more detail and look at used vehicles on the lot within the price range I was discussing with the dealership ( the conclusion from the conversations with the dealership was that purchasing another vehicle would be best for my situation ). Before agreeing to stop into the dealership, I noted to the sales rep over the phone that I had not had the pre-inspection performed upon which I was advised not to worry about it. I stopped into the dealership that afternoon and test drove a few vehicles and started negotiations for one of the vehicles. Part of the negotiation was the removal of the {$390.00} disposition fee and the dealership agreed. Additionally, I raised again with the sales rep and the used car manager that I had not had the pre-inspection performed and was again told not to worry about it and that " we can take care of it. '' The vehicle I leased was 12k miles under the allotment I paid for over the term of the lease and was garage kept the entire duration of the lease ( i.e., it was in excellent condition ). I contacted XXXX XXXX twice within the first few weeks after turning in my leased vehicle to confirm that there were no end of lease obligations since I had not heard anything from XXXX. I was told that they were not aware of anything and that " no news is good news ''. After this, I assumed everything was fine with my lease termination and there were no additional costs ( this was in XXXX 2017 ). In XXXX 2017 I received a call from XXXX / XXXX XXXX notifying me that they were sending me to collection for the outstanding balance on my " end of lease liability statement ''. I noted that I had not received this statement and had inquired about such end of lease costs multiple times. XXXX / XXXX XXXX noted they still had my old address on file which is why I had not received the statement. Further, after having the statement emailed to me, I noted that XXXX had detailed a list of " itemized wear and use '' charges that totaled an amount due by me of {$390.00} ( unbelievably close to the {$390.00} disposition fee that was waived during my negotiation ... ). Upon review of these charges, not only were these charges false, but there were also items I was being charged for that never existed ( e.g., a missing front bumper cover ). I requested the inspection results that were apparently performed after I turned the vehicle in ( and was told not to worry about having the pre-inspection performed ) and was told that I would receive it via email within 24 hours. It has been over a week and I have not seen any inspection report from XXXX. I was aware of my responsibility to have an inspection performed prior to turning in the vehicle and noted that at least twice to the sales representatives at XXXX, but they were more concerned with the sale of another vehicle than my rights and convinced me that I had nothing to worry about in turning in my leased vehicle. Now, as I communicate with XXXX XXXX regarding the false claims of excess wear and use, XXXX XXXXXXXX has sent me to collection for these false charges and I have had to hire a lawyer to fight the charges.
02/10/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Taking out the loan or lease
  • VA
  • 22030
Web
On XXXX, we were sent an email from XXXX advertising their current promotional pricing and lease specials. In this email, there was an XXXX XXXX priced at {$43000.00} inclusive, with a lease deal of $ XXXX month with {$0.00} down. On XXXX, we were prequalified through our credit union to purchase with a qualifying credit score of XXXX. On XXXX, I purchased the XXXX and advised the sales staff that I did not want any optional addons, and requested the exact money factor for the lease deal from the finance manager XXXX XXXX. XXXX advised us that the money factor was XXXX. XXXX then stated to me that my credit score was lower than what they were looking for, he said it came in at XXXX, but that he would still push the deal through with XXXX, however he would have to add in some extra warranties to get the deal to qualify. I told him that I did not want any additional warranties and I was aware that those items are not required for financing. He stated he understood. I left to pick up my husband from work, and advised we would return to finalize the purchases ( separate complaint filed for the other vehicle ). XXXX required the sales rep to accompany me although I was driving in my own vehicle not related to the transactions. Upon our return, XXXX stated our paperwork was ready to be signed. Once in XXXX office, he told us our payment had to be increased as the lease promotion required {$3900.00} down so the price reflected the increased amount. He also advised that our taxes were rolled into the deal. Our contract had all of the charges in XXXX total, and as we were n't provided a copy to look at before signing as required by TILA, we were rushed through all of the documents. When he got to the service contracts, we questioned why they were included and XXXX stated that they were already added on to the car and were n't negotiable. He then told us the arbitration agreement was mandatory. After we signed all the documents, XXXX then requested our form of payment for the first month 's payment, after we had been told there would be no money down. We paid the first month payment because we did n't feel we had a choice, and we took possession of the vehicles. That evening we looked through our paperwork only to realize that not only were the service contracts not mandatory, necessary, nor included in the sales price, we also were n't provided with the entire agreement ( s ) so that we could cancel them. They were n't itemized on the purchase contract in boxes XXXX or XXXX as required, and XXXX had increased the price of the car. Our money factor was also increased significantly, almost doubling our monthly payment. I called XXXX the following morning to which he stated he would refund our first month 's payment, otherwise there was nothing he could do. We contacted our sales rep several times advising him of our frustration with XXXX deceit and he tried to help but was n't able to get it done. We were also pressured into completing the sales survey by giving exemplary ratings. We sent a demand letter to the GM demanding we be refunded for what we were overcharged. We were told the dealership had been sold and advised to call XXXX. As of XXXX, we have not heard from anyone, I called and spoke with XXXX XXXX of XXXX who stated she didnt know when they would address our concern and then hung up on me. We have proof of all advertisements and sent this information directly to XXXX.
01/13/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • FL
  • 34292
Web
On XXXX/XXXX/XXXX I called Nissan Motor Acceptance Corp. ( XXXX ) and spoke with XXXX. I informed him that I made two payments of {$390.00} which came out of my checking account on XXXX/XXXX/XXXX. He advised that I need to wait until the payments were posted ( meaning on Nissan 's side ). I understand completely and asked if I should call back tomorrow XXXX/XXXX/XXXX. He said yes. On XXXX/XXXX/XXXX around XXXX XXXX EST I called back and spoke with XXXX. I reiterate the same information I gave from the previous night ( which he saw in all the notes and stated to me ) so XXXX proceeds to confirm that they ( Nissan ) did receive two payments for {$390.00} on XXXX/XXXX/XXXX and asks me if I would like the refund in a form of an ACH or a manual check and it will take 7-10 business days to receive the refund either way ; however, because I requested the refund in a form of an ACH, I would not be able to get a confirmation number. IF, they were to cut a manual check, he would be able to give me a confirmation number. On XXXX/XXXX/XXXX I opened my mail from Nissan stating that I owed a payment for {$390.00} due XX/XX/XXXX because I " attempted to make a phone payment through their Billpay Matrix on XXXX/XXXX/XXXX which failed ''. Check phone records, I never did that, all I did was call their XXXX number at that time to try to get my money back on XXXX refund of {$390.00} since the duplicate payment was paid twice inadvertently. At this time, upon receipt of the letter ( thank God for my great note-taking ) I call Nissan back on XXXX/XXXX/XXXX at XXXX XXXX EST and finally get XXXX XXXX, unable to help me with a resolution after consulting with her supervisor named XXXX, I ask her to transfer me to HER immediate supervisor immediately for a resolution. At this point I am speaking with XXXX. Please keep in mind, I am told they do not disclose last names. She tells me that I " should 've '' been told that the transfer takes 7-10 business days to process from XXXX/XXXX/XXXX. It is very deceptive to be told by XXXX that it will take 7-10 business days from XXXX/XXXX/XXXX for my credit/refund to reach my account, while XXXX tells me on XXXX/XXXX/XXXX that they began the process of refunding my second payment of {$390.00} on XXXX/XXXX/XXXX, and it takes an additional 7-10 business days for it to hit my checking account. How misleading is this?!?!?!?!? They are basically holding on to my money for a month and at the same time double billing me!!! Then XXXX proceeds to tell me that I will HAVE to pay my regular payment of {$390.00} due XXXX/XXXX/XXXX, even though she can not guarantee me that MY refund from XX/XX/XXXX of the extra payment of {$390.00} will be credited to me even after XXXX 's employee, XXXX, provided me with wrong and misleading information, was extremely deceitful!! To top it off, XXXX offers to deduct {$90.00} from my XX/XX/XXXX payment even though the statement they will mail me will not reflect this ... .how could I have any trust in this company?! I would rather their employees do the right thing and do what they said ( which is give to give me back my money which is what was owed to me ), and just save me the time and aggravation!!! Why is it that they are not held accountable for misleading and wrongfully informing me for monies owed to me, yet they have no accountability or retribution?!?!?!? Regretfully, XXXX XXXX County, FL
11/27/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • OH
  • 43215
Web
Dear Consumer Financial Protection Bureau, My vehicle was recently evaluated by the lemon law. A case number was generated " XXXX ''. The car has had several lengthy repairs while the vehicle was not in my possession. Ultimately Infiniti has settled a claim and sent me a check for the damages. During the period while I was not in possession of the car, payments were not made. There was no communication between Infiniti and Infiniti financial. As a result of this the late payments were placed on my credit report. I have recently disputed the inaccuracies on my credit report posted by Infiniti Financial Cooperation and received an update letter from XXXX, XXXX XXXX and XXXX that my report has been updated and the inaccuracies remain. Per the credit reporting companies I can no longer dispute these late charges. I was told by the credit reporting agencies that the consumer is only allowed one dispute per claim. Per the credit reporting companies " if the creditor responds to the claims in question and verifies the claim as accurate on their system, the consumer can not secondarily dispute the inaccuracy. I have provided a bank statement indicating that the payments were made and have not exceeded the 30 day grace period provided by law. I additionally provided a check copy from Infiniti and a copy of the case which was settled indicating I was not liable for the late payments when I was not in possession of the vehicle. I have spoke directly with Nissan Infiniti consumer affairs and they have requested that the late payments be removed but this has not been communicated to Infiniti Financial. Additionally, my attempts to contact them both in writing, via attorney, and by phone have not resulted in the appropriate removal of the inaccuracies on my credit report. I am now liable on my credit report for delinquencies despite payments being made. Per the fair credit reporting act Infiniti the creditor in question is required to inform me that negative information has been placed on my credit report. They have not done this and continue to report a delinquent account status. In fact, when my vehicle was under lemon law investigation XX/XX/XXXX ; I was in contact with Infiniti and they informed me that despite the lemon law investigation and the vehicles repair, I would still have to make payments to avoid late fees which was contrary to what I was told by Infiniti consumer affairs. I have been a long customer with Infiniti and have a long credit history with them. I have never had delinquent payments. Contacting the consumer protection bureau is my last plea for assistance before taking formal legal action with Infiniti Financial. Infiniti financial is in direct violation of the fair credit reporting act as well as in violation of personal consumer rights. Their computer automated credit reporting without direct human oversight, inability to accurately inform consumers of reported delinquencies as well as posting late fees under account balance violate the laws sought to protect consumers. I would like Infiniti to reverse the inappropriately placed inaccuracies on my credit report as to avoid unnecessary legal action that is preventable with fair credit reporting practices. I appreciate all that you do for consumers and look forward to a prompt resolution to this claim. Sincerely , XXXX XXXX
05/09/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • FL
  • 32703
Web
My husband and I went into XXXX XXXX, XXXX to purchase a used XXXX XXXX XXXX XXXX, VIN # XXXX on XX/XX/XXXX. We went to the dealer after work with a 13 month old that usually goes to bed at XXXX. I am currently XXXX and we have a college student we needed to pick up that weekend from XXXX for the summer. We need a full size SUV to accommodate our growing family. We came in Prequalified through XXXX XXXX XXXX up to XXXX. We had the preapproval letter with us. We told the dealer we wanted to purchase the vehicle ONLY with XXXX XXXX XXXX as we have another vehicle financed with them and it was a seamless process. The finance manager told us XXXX XXXX would not approve us for the XXXX. The Nissan Finance Manager told us he could do nothing with our credit scores of XXXX and XXXX. The dealer told us we were only approved for XXXX and could put us in a new XXXX XXXX!!! We came for a full size SUV for our growing family not to mention my husband is XXXX. Insults! The Nissan Finance Manager told us XXXX XXXX would not approve that vehicle and sent us out the door. The next morning XX/XX/XXXX I called XXXX XXXX Finance only to find out The Nissan Finance Manager NEVER ran our application through XXXX XXXX at all. XXXX XXXX advised that we are approved at the terms stated above. I spoke with XXXX XXXX, Nissan Finance Manager immediately after the call to XXXX XXXX. XXXX XXXX ran our credit through XXXX XXXX XXXX and he confirmed we are approved and can finish the deal now ... Nissan Finance discriminated against me and my husband. The Nissan Finance Manager looked at our XXXX XXXX and our credit and made a judgement. He denied us without filing our application at all to the lender we came in prequalified through. He lied to us. The Nissan Finance Manager obviously had some kickback by using Nissan Motor Credit to finance the vehicle as that is the ONLY finance company he ran our credit through that evening. We left that evening so embarrassed and discouraged we failed to get the name of the finance manager. XXXX/XXXX XXXX offered nothing to make the situation right, not even a small decrease in price. We contacted Nissan Corporate via email on XX/XX/XXXX. XXXX, Executive Specialist, XXXX called me XX/XX/XXXX and offered to give us an incentive to finish the deal. After a few days went by we were again insulted by Nissan Corporate offering to give us the Employee Discount that could only be used in 45 days and by certain lenders. I asked, what is the amount? She told me anywhere from $ XXXX depending on the dealership and vehicle and other factors What does that mean? This is not a resolution, its a range of nonsense. Nissan Finance company behaved unethically by lying to us and denying us credit when we were qualified. My husband and I work hard every day. Ive been on my job 9 years, I am a XXXX XXXX for XXXX & XXXX, XXXX, my husband has been on his job 4 years, he is a XXXX XXXX XXXX for XXXX XXXX. His prior employment was 8 years. We own our home and we own 2 vehicles, one financed by XXXX XXXX and the other by XXXX XXXX XXXX. We have a toddler and a college student. We have a XXXX XXXX XXXX XXXX. We will be buying a full size SUV using XXXX XXXX XXXX no matter what. This unethical lending practice should not be tolerated and we are seeking monetary damages.
10/07/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • NC
  • 28078
Web
Hello, I am having trouble paying off a leased vehicle with NMAC. I am leasing a XXXX XXXX XXXX and would like to purchase it prior to the lease end date ( I have 10 payments remaining ). I called NMAC and got a payoff amount of ~ $ 11k plus I need to pay sales tax ( 3 % ) and a {$300.00} fee that is noted in the contract. I have no issues with the amounts due. I spoke to a representative on XX/XX/XXXX who said that I can not send them payment directly and I have to engage a Nissan dealership to facilitate the payment. I went to XXXX XXXX of XXXX XXXX on XX/XX/XXXX and spoke with the Sales Manager XXXX XXXX about facilitating the payment. He told me I would need to pay a {$680.00} doc fee, {$100.00} title fee, have a state inspection and transfer my tag and pay the registration, on top of the payoff, sales tax and {$300.00} payoff fee. This is not only cost prohibitive, but it's corrupt and makes no sense. Why should I have to pay almost {$1000.00} to make a payoff? I spoke to NMAC again on XX/XX/XXXX and explained my experience with the Nissan dealership. The representative could not offer me any other solutions other than to try a different dealership. I asked what NMAC would do if, instead of sending my normal payment, I sent the payoff amount plus the taxes and fees. He said they would send the check back to me. I told him that someone at NMAC must want ~ $ 12k now versus 11 more payments of {$250.00} and for me to give the car back. He said that he can not comment on that. I asked for a supervisor call back and the rep said they do not provide callbacks, but he would transfer me to a supervisor. When he transferred me I got a voicemail for XXXX XXXX? and left a message. I have not received a return call. I went to XXXX XXXX XXXX on XX/XX/XXXX and spoke with XXXX who told me to facilitate the payoff to NMAC it would cost {$2000.00} more than the payoff amount listed in the letter. I contacted NMAC Customer Service again on XX/XX/XXXX and asked if there were any way for NMAC to help coordinate with a dealership to facilitate the payoff so that I would not have to pay the additional, exorbitant, fees. The rep told me no and I asked to speak to a supervisor. Both the rep and the supervisor told me that if I sent the full payoff amount, the payment would be returned to me. After speaking to a supervisor at length, who also refused to help coordinate the payoff with a dealership, I requested a manager. I was transferred to a manager named XXXX and Im not positive of the last name but I think it was XXXX or something close. However after receiving her voicemail message, when the beep sounded, I started to leave a message but was interrupted by a voice on the line. I asked who it was and she said her name ( maybe XXXX ) and that she was in a call center and had no idea who XXXX was. The practice of forcing a lessee to utilize a dealership and pay an exorbitant amount of fees to facilitate a vehicle payoff is just plain wrong. All I want is to purchase this vehicle for the payoff amount plus the fee listed in the contract. Im sure there is someone at NMAC that would prefer ~ {$12000.00} now vs 10 more payments of {$250.00} and then I turn the car back in to be remarketed. Please let me know if I can provide additional information.
08/02/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77036
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : NISSAN MOTOR ACCEPTANCE XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
06/09/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 12209
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : NISSAN-INFINITI LY ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
05/03/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75067
Web
Nissan Collections dept have threatened me by telling me he will take action on XX/XX/XXXX at XXXX CST when I wasnt a full payment behind. Monthly Pmt is XXXX as I made a partial payment on XX/XX/XXXX of {$500.00}. Payment is due on the first. There is a 15 day grace period. I was {$180.00} delinquent/past due for XX/XX/XXXX + XXXX from XX/XX/XXXX.= {$370.00}. Nissan added {$52.00} late fee when I made the partial payment on time prior they charged a totally different late fee charg the next mon, getting higher of {$65.00}. Collector XXXX very rude, said how will you make your payment today, I said I will pay on the XX/XX/XXXX, he said I need a payment today. I said for the 2nd time-I cant make it right now I was laid off and wont have it til next week. He said if you dont pay by the XX/XX/XXXX we will take action. I said what is your name? XXXX. He asked me again ; yelling at me and said I need your payment today. I said it again, I said how dare you, who do you think you are? This man asked the same question 3 times and refused to take my answer. I will pay next week. For the 3rd time he asked when will you make your payment and I said I told you on the XX/XX/XXXX. He hung up on me. The very next day sounded like the same person ; very rude, on XX/XX/XXXX XXXX, not even 24 hours and called to ask the same question-when will you make your payment I said on the XX/XX/XXXX, he demanded me to make a payment over the phone that day or they will start action on XX/XX/XXXX. I said I dont owe a full payment. He disregarded what I said and threatened to take action as he needed my payment that day. I said you just called yesterday and I informed you that I would make pmt next week. Why are you calling again, you totally disregarded my answer and nothing has changed. He said We will take action, we went back and forth with the same info repeatedly. I said Because Im past due does not give you authority to be rude and aggressive, how dare youHe said you ran out of deferments and we need a payment today. I said I dont have it today. He insisted on me making a payment as I made it clear and repeatedly. I am trying and I have made efforts in paying as much as I could while being unemployed. Nissan does not want to work with me and has threatened me to make account current due to more than half partial payments. Im paying every month, atleast {$500.00} or more and he says they are taking action. To call me again less than 24 hours to ask the same question is a Threat. Nissan was calling 4 to 5 times a day due to a partial pmt. The last call was XX/XX/XXXX XXXX XXXX and I told her I just made a pmt. I told her about the previous harassing calls and threats and since, never received a call. I never told Nissan to not call me ; however if I tell them Im making a pmt next week and call me less than 24 hours the next day is a threat and unacceptable. I dont have a prob with the calls but 5 times a day is harassment. They can call me as I never said they couldnt ; however they do not have the authority to threaten and harass me. I have been more than cooperative and this treatment as to how they communicate is just unfair. See history of phone calls.
11/08/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • GA
  • 30093
Web
I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX XXXX, through sales woman XXXX XXXX XXXX. I asked about specific features of the vehicle and was told that it was a Platinum, top trim vehicle, and had all the features that I requested. Here is what I found after I drove away from the dealership. The following features are not present in the vehicle : 1. Auto High Beam 2. Automatic Map Updates via WIFI 3. Front Emergency Braking 4. Rear Emergency Braking 5. Lane Mitigation 6. Speed Limit Camera 7. Maintenance - Oil Change/Tire Rotation ( I asked for 3 years ) I was disappointed when the same evening I left the dealership with the car to learn that it does not have Auto High Beam. I was prepared to live with that but on Friday XX/XX/XXXX, while at another dealership to pick up my wife 's car, I found out that the map uses a disk and that it would not be updated over WIFI. Earlier that morning I also learned that I would get 2 years of maintenance which is only oil changes and not tire rotation. I addition, I learned that I had actually paid for it when I thought it was complimentary from the dealership. I went dealership on Saturday, XX/XX/XXXX to get my car washed, and asked about the map updates and was told that I could update the map via XXXX XXXX. I also spoke with the Finance Manager, who graciously explained that I got 3 years of maintenance, which includes oil changes and tire rotation, but that I still had to finance it. After I left and was driving home, I scared my wife in the car be driving up close to vehicles, testing out the Emergency Braking and the Lane Mitigation. To my surprise, none of those things operated. I thought I must need to change some settings in the car, so I called up the sales guy at the other Nissan Dealership to verify the features and he told me that the XXXX XXXX XXXX does not have the Emergency Braking or Lane Mitigation safety features. Again, I was back to feeling hurt and disappointed with my purchase. I contacted the dealer and spoke with both the sales manager, XXXX XXXX, and the new car sales manager XXXX, and they both told me that they can't do anything and that they will not take the care back, even though I was lied to by their sales rep. In fact, the sales manager offered to buy me a tank of gas. The sales woman felt badly about what she did and offered to buy me extra oil changes out of her own pocket, or pay the difference in payoff of XXXX XXXX. But I really don't want the car. I want to get a car with the features that I asked for. I sent an email to XXXX XXXX, but he never addressed the issues in the email. My previous cars had those features listed above. I traded in my XXXX XXXX XXXX which had the features I wanted. It is now evident that I traded in my XXXX XXXX for a car with Inferior safety features. I am extremely unhappy with the purchase at this time. I can not continue to pay for a vehicle that does not have the basic features that I specifically requested. I no longer want this vehicle. This is the first time I have felt this way after purchasing a vehicle. They also took my XXXX XXXX XXXX and gave me only {$2000.00} to help to get the loan.
06/02/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • PA
  • 19438
Web
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.
12/16/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • FL
  • 32903
Web Older American
XX/XX/19, XXXX of XXXX, Fl. I have contacted all agencies, and I have heard nothing as of yet. I had to turn in a lease car with XXXX. I was car shopping- not ready to purchase, looking at options. My father was the one that helped me with this, but passed away this XXXX. Informed the finance manager- XXXX XXXX I was looking and I had one other appointment. Had her NEW salesman from XXXX pull up a XXXX for test drive. '' XXXX XXXX '' I went. He showed me some of the car, never informing me it had NO CD player, and could not answer many of my questions about the three different types of XXXX. Said he was new. Before the drive, he took off sticker from driver passenger side quickly. took inside and grabbed a tag. Told me briefly how to hook up phone to use the GPS. I thought, this is crazy- why would I need to burn out my brand new phone to use the GPS. ( and this has happened ). I can't afford another one, making due. Went back into XXXX XXXX office, I kept saying to her- I have XXXX XXXX issues. I need to eat. Where are snack machines, something. you are just giving me water. response- won't take much longer. we don't have machines! I was the 5plus hours. she said, sign these two papers, and we'll put your car away, and come back. Take it home. Kept telling me about her house husband, and hated moving to XXXX, XXXX XXXX because of the way husband made her feel after XXXX of baby. It just kept going. I gave my signature, two pieces of paper. My XXXX was so low, I was confused. I found candy in my purse so I could leave.I was shaking, and found an easy way back on low traffic roads. I came home, ate and fell asleep. I found things on the contract, when I returned next day, all sorts of added charges, She said I need {$1000.00} down to make payment a bit lower, I know that your score is XXXX, unheard of. But the payment is high! And we are taking your car back to XXXX. The payment is extremely high after looking at it afterwords. I said I can't find even the CD player? There is none, all cars are doing away with it. you will have to pay XXXX radio to keep all things going. I had an attorney look over documents, and was told- you were really, really taken on this car. You have to pay an arbitration attorney. No one has taken the case thus far. I am a senior citizen and they have really taken atvantage. did not return calls until after 10 day period ( to return car ). I had another meeting with XXXX XXXX XX/XX/XXXX. went to private room. She said, I am so sorry- I will fix everything. I promise. What can I do? I told her of the lack of phone calls, the car issues, lack of knowlegde by sales man. I will pick out cars of what you want, and comeback. I did, XX/XX/XXXX. wnet to her office, and said there's NOTHING I can do. Do you want to speak to my General manager? I said oh yes. I said, what is his name. XXXX XXXX. I said are you related. yes we are. He came to the door, ( three times ) and yelled at the top of lungs, everyone listening>>>> GET HER OUT OF HERE- NOW. Salesmen were laughing, customers were in awe. I was shocked. She said you have to leave. I should have called police, but really nothing they can do.
09/03/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 32807
Web
I bought a vehicle inXX/XX/2019 which was a XXXX XXXX XXXX, within 1 month of me having the vehicle, my stabilizer bar busted, I brought my vehicle in for repair which they fixed. No more than 2-3 days later it busted again had to take it in for a 2nd time for that. My sensors in my car started to malfunction, come to find out there was a recall and I started hearing humming noises. I brought my car in for the sensor to be fixed and to check on the humming, they were unable to fix it and told me I had to come back, when they gave me my keys I unlocked my car and my entire radio came on, I asked them why is my car doing that now? They said it always has but it hasn't and I explained that to them. They had to take my car in the back again to " be looked at '' finally returned and said they ruined my radio and needed to order me another one it will be ready when I bring my car back in for the sensor. I leave and notice the acceleration on my car is messed up, I immediately call them telling them the issue. They said it is ok, they will look at it next week. I explained to them I have a daughter and I now don't feel safe in my vehicle. They finally called to tell me that my new sensor came in but my radio hasn't. I brought the car back in to fix the sensor, my radio is still broken and most importantly my acceleration is still messed up. All they kept telling me is that if they cant find an issue at that time then I need to bring it back when it happens. I live 30 mins away from the dealership and I work Monday-Friday. I finally called corporate who was absolutely no help and I had the WORST customer service I've ever had in my life. I had an appointment for someone to come look at my car from corporate, due to COVID, they cancelled that appointment which I understood. Every few weeks they would make and cancel my appointments. I talked to 6-7 different people at corporate they don't care about their customers, they didn't care that I felt unsafe in a vehicle and that I have a young child. I asked them what they were going to do since they cant travel right now due to COVID. They told me to just wait, I explained my frustration, and how unsafe I felt in the car. I finally spoke to as she stated was the " highest '' person in the company named XXXX, by far the nastiest person I have ever spoken to in customer service. I explained to her what was going on and asked her as a company if they were ok with allowing a mother and her daughter to be in an unsafe vehicle. And I asked her what are they going to do to accommodate me since they cant travel. She said I have to wait until they can travel but there is no telling when that was going to be. I went back to the dealership to trade in the vehicle, the sales manager and I spoke to XXXX, she was extremely rude to both of us. She told me that I have to deal directly with the dealership, I am wasting her time at this point and our conversations were getting no where. It was a constant circle with me. I tried telling her, all I am asking is for help to make this better, I was sold a lemon and I just want to be in a safe vehicle. She hung up on me and the sales manager.
02/03/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • MD
  • 20814
Web
I purchased a new Nissan Juke on XX/XX/XXXX from XXXX XXXX in XXXX XXXX, MD. I traded-in my XXXX Nissan Versa for {$7000.00} and arranged for financing through the dealer. My credit score was XXXX. I owed final payment of {$180.00} to Nissan Financing, the Versa lean holder, that I paid directly to XXXX XXXX in my contract. The loan officer neglected to process the purchase and financing contract for my new Juke unbeknownst to me. I received a phone call from the financing manager of XXXX XXXX in XX/XX/XXXX. He told me that I needed to provide financing for for the car I purchased six weeks before on XX/XX/XXXX. Additionally, they said that we needed to sign a new purchase contract and that I must come to the dealer immediately. I told that since it was their error they must meet me at my convenience and they agreed. They told me that the finance representative, who had been fired, did not process my purchase contract and loan. Expeditiously, I arranged for financing through XXXX XXXX at a rate of 3.47 % and provided payment for my Juke to XXXX. The loan arranged with XXXX on XX/XX/XXXX through dealer financing was 2.24 %. Their negligence cost me money. The finance manager came to my home in XXXX, MD from XXXX XXXX, MD on Friday night at XXXX to complete the purchase paperwork, which also had to be redone for no clear reason. The paperwork was profiled and backdated to show a date of XX/XX/XXXX. It was already XX/XX/XXXX. I was told that " it had to be this way and to sign. '' The finance manager and other members of the department were also subsequently fired. There may have been grave departmental issues in the finance department at this dealer. XXXX XXXX did not process my Versa pay off with Nissan Motor Acceptance Corp financing until XX/XX/XXXX. As a result of the delayed processing, I am showing 60 days late on my credit report from Nissan for non-payment. I discovered this when I applied for a mortgage to purchase a new home. My credit score is now XXXX. My home loan officer told me that there is preferred financing rates had my credit been higher, in fact XXXX or above! I have not had any derogatory items since the XXXX issue. I do not keep a balance on any revolving debts. I wrote an email to the finance manager via XXXX 's webpage Contact Us section on XX/XX/XXXX. My email went unanswered. I went to the dealer in XX/XX/XXXX to resolve this issue with them directly. They have dragged their feet and disregarded my concerns so I am contacting the CFPB. I can provide additional details for this complaint including copies of the original and duplicated purchase contracts, both financing contracts, and the Versa pay off notice. Please contact as soon as possible. My spouse helped me write this email. I am XXXX and my English is not strong enough for communicating a complex issue like this one, however I am quite capable in everyday English conversations. I now understand that one of forms I signed said that I would continue to make payments on my Versa loan. I did not understand that at the time since complex contracts and fast talking sales people are problematic for non native speakers.
07/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • OK
  • 74048
Web
In a previous complaint number XXXX dated XX/XX/XXXX I had this to say in regards to Nissan Motor XXXX : Around the XXXX of XXXX I have been closely looking at my credit report as I was making extra payments to pay off my auto loan with Nissan Motor XXXX. It was around that time that I was noticed that my credit report was not reflecting the payments that were being made. After contacting the company the advised me to start a dispute and that would get it straight. However, two additional phones were needed weeks later in order to correct the problem. As I move to early XXXX I paid off my debt completely. After weeks of not seeing the report I decided to launce another dispute on XX/XX/XXXX. On a recorded line with XXXX I was told that Nissan had not reported payments from XX/XX/XXXX until XX/XX/XXXX. My complaint is Nissan Finance XXXX has not been reporting my payments as they should. The Fair Credit Reporting Act promotes FAIR CREDIT REPORTING. It is not fair that they have reported all the bad stuff, but not all the good stuff. They are responsible for some damage to my credit report. I would like CFPB to obtain the the exact history of Nissan Finance XXXX credit reporting times. If it is determined that they are in violation. I will be seeking a legal complaint in the necessary court of law. Their response was this : Dear Consumer Financial Protection Bureau : Nissan Motor Acceptance Company ( NMAC ) is in receipt of XXXX XXXX complaint regarding their grievance on XX/XX/XXXX. We researched their concerns and respond as follows : On XX/XX/XXXX, XXXX XXXX contacted NMAC claiming that the balance reporting on their credit report was not correct. NMAC explained they would need to file a written credit dispute. On XX/XX/XXXX NMAC received and responded to an electronic credit bureau dispute from XXXX that the account is reporting accurately as open, current, 3x30 ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) with a {$4900.00} balance. On XX/XX/XXXX NMAC received and responded to an electronic credit bureau dispute from XXXX that the account is reporting accurately as open, current, 3x30 ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) with a {$5000.00} balance. On XX/XX/XXXX, NMAC received a {$1600.00} payment, which paid and closed the account. On XX/XX/XXXX, NMAC received and responded to an electronic credit bureau dispute from XXXX that the account is reporting accurately as closed, paid in full, 3x30 ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), with a XXXX balance. XXXX confirmed with each of the credit bureaus the following information : o XXXX was reporting the account closed o XXXX was reporting the account open o XXXX was reporting the account closed NMAC submitted an update to report the account closed and paid in full, 3x30. This response does not address the greater issue. Did Nissan Motor Acceptance XXXX fail to report payments from XXXX XXXX until XXXX? Nissan should show proof they made reported these on time payments AT THE TIME OF PAYMENT. I am asking CFPB to force Nissan to produce proof as to the claim being false or to furnish an written reason as to why they failed to do so.
05/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30308
Web
Had an account with Nissan Motor Acceptance Corporation that went into a " Charge Off '' status as of XXXX with a balance of {$2600.00}. I contacted Nissan on XX/XX/XXXX and spoke to a gentleman by the name of XXXX about resolving the account. He advised that there was an offer to settle the account as " paid in full '' for 40 % of the balance, or {$1000.00}. My concern was how it would appear on my credit report because I was in the process of repairing my credit in anticipation of applying for a mortgage and possibly a new car. I advised that I did not want the account to show as " settled '' and asked if there was a way to have the " charge off '' status removed entirely. He stated that the only way that was possible is if I paid the balance in full instead of the reduced settlement offer. I confirmed with him again that if I paid the full balance that all charge off remarks would be removed from my credit file. He said that if paid in full I could call back with the confirmation numbers as soon as it was paid, and that they would update their file with the Credit Reporting Agencies by the end of the month, but that they could take longer to update it on their side, but that it would no longer say " charge off '' but only " paid in full ''. That day I paid the account balance in full as advised and called back to give the confirmation number to them as requested ( and instructed to do ) by the gentleman I spoke to. When I called back I spoke to an agent and advised them of what I was doing but she stated that the " Charge Off '' would not in fact be removed but would be left on my credit history. I told her of what I had been told by a previous representative, but she said there was nothing she could do so I asked to speak to a supervisor. A supervisor by the name of XXXX XXXX came on the line and I explained the situation. XXXX XXXX reviewed my account and advised that the charge off was correctly reported and would not be removed unless it had been reported in error on their part. I advised her of the information I was given by the first representative I had spoken to that day and that I had in fact recorded that call and could forward a copy of that audio to her for her to review, to which she replied " that's ok, we record our calls too ''. She said regardless of what that representative told me, the charge off would not be removed. I feel that Nissan misrepresented themselves in order to collect more than the settlement offer I received of 40 % with promises that they had no intention of honoring. Once they had their money and I fulfilled my end of the agreement, they had no desire to fulfill their end as promised and refused to do what they said they would do. They claim it was offered in error, but clearly that was not my error and they should be required to honor what was promised to me. I have the recording of the call where I was initially told the charge off would be removed if I paid the balance in full, as well as the call where I was told it would not be removed despite me paying the full amount and being told that by a Nissan representative on a recorded call.
06/11/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • TX
  • 78758
Web
XXXX XXXX XXXX over-charged [ MY LOAN ] by around {$7500.00} [ WHO KNOWS?!? ] on a XXXX XXXX XXXX I purchased on XX/XX/XXXX. I was charged for 2 EXTRA warranties I declined, and Gap Insurance I declined. Plus, the price is still way off without those over-charges. I have all the paperwork to prove my case. What we agreed to [ XXXX XXXX XXXX 's WRITTEN Quote ] isn't close to what they ended up charging me. I returned to XXXX XXXX on XX/XX/XXXX to get things corrected and was told the warranties/insurance stuff would be refunded. But, XXXX XXXX XXXX would not refund the mysterious OVER-CHARGES on my loan, and has not refunded any of the EXTRA CHARGES. That was 9-weeks ago and the Bank [ XXXX XXXX ] hasn't received any of the REFUND PAPERWORK from XXXX. XXXX as of today XX/XX/XXXX. XXXX That means ... I'm paying for over {$7000.00} worth of fraudulent charges [ including extra interest ]. I talked to The XXXX XXXX FINANCE GUY [ who added all these FALLACIOUS charges ] on ( XX/XX/XXXX the next morning ) and signed 3 CANCELLATION/REFUND agreements. The finance guy was MAD as HECK ... because, I was asking for REFUNDS on everything he duped me on. He started a fight AND, said [ Quote ] : " Sometimes dealerships don't turn these cancellations in ...! '' I knew he wasn't going to give me my refunds and it has been 9-weeks since I cancelled everything, and I still am paying for a BUNCH OF STUFF I DIDN'T ASK FOR & DID NOT KNOW ABOUT and interest on all the over-charges. I want XXXX XXXX XXXX to HONOR the agreement ( I've attached a copy ) they made with me. On XX/XX/XXXX I test-drove the XXXX XXXX XXXX at XXXX XXXX and could come to an agreement on price, so I went home. The XXXX XXXX salesman [ XXXX ] called me at home, after I had left the dealership, and asked what I needed to make the deal happen. I told him {$2500.00} for my trade-in and after all specials [ Preferred Customer - {$2700.00} and - {$2200.00} for using Nissan Financing ] the XXXX Rogue for {$22000.00} + {$1500.00} [ options ] = {$23000.00} + TTL and we have a deal. That's exactly what I have on my quote, but no where near the numbers that ended up on my final bill. Here 's what I should owe : {$23000.00} + {$1700.00} est. ( TTL ) - {$2500.00} ( trade-in ) - {$2000.00} ( cash-down ) = {$20000.00} financed. XXXX XXXX says I owe over {$27000.00} and I've made a couple payments already and will need to make a another soon ... so, my loan is getting all messed up. I was told my payment would be under {$350.00}, but because of this I'm paying {$470.00} per month. XXXX XXXX XXXX would not talk to me or try fix the problem. Thus, I have been talking to a lawyer and have filed complaints with the TX Attorney General, TX Secretary of State, XXXX XXXX XXXX, TX DMV, and have started a Petition For Small Claims Court. I have spent many hours trying to get my money back, and have had lots of SLEEPLESS NIGHTS worrying that I'll end up losing THOUSANDS & THOUSANDS of $ to XXXX XXXX XXXX. I want all over-charges refunded and all interest on the over-charges refunded. Also, I'll need all my legal fees paid by XXXX XXXXXXXX.
10/05/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • FL
  • 33322
Web
Due to the Covid-19 epidemic set backs and complications having access to a computer I was not able to respond to the dealerships response to my complaint on CFPB File # XXXX in the allotted time. Below is the description of what happened : On XX/XX/XXXX XXXX XXXX XXXX sales and finance staff collaborated in producing a predatory loan in order to sell a XXXX XXXX XXXX XXXX XXXX in the amount of {$42000.00}. To confirm our suspicion we reached out to the lender and requested a copy of the original credit application be forwarded to us. The findings were as follows : - Forgery of credit application. - Overstating income for applicant # 1 in the amount of $ XXXX/mo as retirement income when applicant # 1 works full time making only $ XXXX/yr. - Overstating housing expenses of applicant # 1 as $ XXXX/mo in rent when the home is owned free and clear. - Overstating length of employment for applicant # 1 saying 5 years when applicant was at current place of employment for less than 12 months. - Overstating income for applicant # 2 in the amount of $ XXXX/mo working as a XXXX at an XXXX XXXX when applicant # 2 is a XXXX speaking XXXX man. -Understating applicant # 2 's housing expenses as living with family when applicant lives only with his a spouse and children paying rent. Applicant # 1 was rushed and tricked into cosigning this fraudulent purchase to help " lower the cost '' of Applicant # 2 's work vehicle because Applicant # 1 has great credit. All along XXXX XXXX XXXX XXXX sinister plot was make financial gain by defrauding the lender into funding a loan Applicant # 2 can not afford. On XX/XX/XXXX the lender ( Nissan Motor Acceptance Corporation ) not the dealership ( XXXX XXXX XXXX XXXX ) responded to my complaint stating " Please be aware that the credit application Applicant 1 and Applicant 2 signed, states that, they understood and agreed what they were applying for and that they certified that the information on the application was true and complete. '' That is exactly what the complaint is about and how the dealership ( XXXX XXXX XXXX ) altered the credit application and forged my signature to fund this predatory/fraudulent loan. Again I have requested and posses a copy of the credit application submitted to Nissan Motor Acceptance Corporation by XXXX XXXX XXXX and the financial information listed on it is not what I provided and the signatures/initials on it are not mine. Because of the fraudulent and predatory sales practices committed by XXXX XXXX XXXX by altering the credit application and forging signatures to fund a predatory loan I seek the following resolution or will be left no choice but to seek legal counsel regarding this matter where I will peruse the maximum compensation for damages allowed to me by law : *Nissan Motor Acceptance Corporation take the vehicle back and charge back losses to XXXX XXXX XXXX . *Complete removal of the credit tradeline from XXXX , XXXX , and XXXX. *Assurance that the XXXX XXXX XXXX Employees involved in this gross misconduct be held accountable to prevent other families from falling victim to their schemes.
10/25/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NY
  • 11379
Web
Nissan Finance reported to the credit bureau that I am 30-60 days delinquent despite acknowledging that they received my paperwork late ( XXXX XXXX ). On XXXX XXXX, 2015, I purchased a 2015 Nissan Rogue at XXXX Nissan in XXXX, NY. I agreed to finance the car from Nissan Motor Acceptance Corporation. Approximately one month later, in XX/XX/XXXX, I still had not received a statement with my account number, amount of payment, and due date. At the same time, I received a phone call from a finance manager at XXXX Nissan ( XXXX, NY, the dealership which sold me the car ), asking me to return to the dealership to sign a document pertaining to the warranty. I asked him if this unsigned document was the reason why I still had n't received a payment statement from Nissan Finance, to which he replied that this document had nothing to do with the hold up, and that the statement should come at some point in XXXX. I never returned to the dealership to sign the document. Even though I received several phone messages to return to sign the document, nobody mentioned that the document was holding up my paperwork from being sent to the finance department. On XXXX XXXX, I received a phone call from Nissan 's Collection Department at XXXX informing me that I missed my first payment on XXXX XXXX. I called and spoke to an operator and explained that I did not know that I had a payment due. She verified that the dealer never submitted my paperwork until XXXX XXXX. She told me that since they did n't receive my paperwork until XXXX XXXX, that she would note that it was n't my fault. She told me that a statement had just been mailed on XXXX, XXXX XXXX and I should be receiving it shortly. I waited another week, and when I still did n't receive a statement, I called the same number again ( XXXX ) on XXXX XXXX, to inform them that I still did not receive a statement. This time the operator asked to verify my mailing address and he discovered that XXXX XXXX number was incorrect : I live on XXXX XXXX, and they were mailing the statement to XXXX XXXX. Since my address was corrected, I expected to receive a statement shortly after that call. But exactly XXXX week later, I still did not receive my statement. This morning, XXXX XXXX, 2015, I called the ( XXXX ) number again and asked to speak with a supervisor to find out what the problem is. I spoke with XXXX XXXX. She told me that I 've had the car since XXXX and I now owe XXXX. She said that she would waive the late charge and that it would not be reported to the credit bureau. I explained that I never received a statement, and that I had made two efforts to call to receive a statement. Today, XXXX XXXX, not only have I still not received my statement, but they have reported me as delinquent 30-60 days on my credit report, even though they acknowledged that they never received my paperwork until XXXX XXXX in order to send me my statement. I also do not think it is fair that I am behind in my payments already ( owing XX/XX/XXXX, XX/XX/XXXX, and almost XX/XX/XXXX ) all at once, when clearly the dealership did not submit my paperwork right away.
06/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33125
Web Older American
Step 1 : What is this complaint about? The complaint is for wrong information to the Credit Bureau about the monthly payment of a car. Step 2 : What kind of problem do you have? I am XXXX XXXX, cosigner in a XXXX XXXX XXXX car owned by my daughter-in-law XXXX XXXX with the Nissan Motor Acceptance Corporation. Step 3 : What happened? XXXX XXXX called Nissan Motor Acceptance Corp. on XX/XX/XXXX and asked for a one-month extension for the payment. The person who answered it, and that is recorded by the Nissan Motor company itself because when I called that company they confirmed that there was a call from XX/XX/XXXX, they told them that there was an extension available and that they could use it for XXXX. That person confirmed that she had already processed the extension before concluding the call and that the next payment would be for XX/XX/XXXX. On XX/XX/XXXX, XXXX received a call from Nissan Motor and told him that it was late for the month of XXXX because the extension had not yet been approved. XXXX XXXX as cosigner, I was never notified. They say they called and had no answer on the phone. Suppose that was the case, then they should have sent me an email and they did not do it because they must exhaust all communication possibilities with customers. They contacted me by letter by traditional mail dated XX/XX/XXXX. They never did before. I have the letter in my possession dated XX/XX/XXXX but it arrived at my house on XX/XX/XXXX. He had already paid Nissan Motor on XX/XX/XXXX but was already informed to the Credit Bureaus. I found out that my credit had dropped 56 points from XXXX when I logged into my profile on XX/XX/XXXX. I instantly called Nissan and explained the situation. They told me I had to submit a claim. I didn't do it because XXXX, my daughter-in-law, had already done it on the recommendation of Nissan Motor Acceptance. Two letters with the same claim was not wise. On the same day, XX/XX/XXXX, I called XXXX and reported the problem and they told me that I had to speak to Nissan Motor because they are the ones who have to inform XXXX that it is an error. For 2 years I have been working my credit with total dedication for the purchase of a house. XXXX XXXX approved a loan of XXXX usd in XX/XX/XXXX. I found the house and everything is ready for the closing of the purchase on XX/XX/XXXX. As you should know, the bank will check my credit again before closing. This would cause XXXX XXXX to deny me the loan when it found that my credit dropped 56 points. My situation is very difficult because there is only less than a month left until the closing of the purchase of the house and generally this type of claim can last longer. After working so long on my credit, being pre-approved, finding the house and being ready for the closing, it is very disappointing that because of a company ( Nissan Motor Acceptance Corp. ) that mismanaged its work, I lost all the effort and dedication to achieve the purchase of my house. Step 4 : What company is this complaint about? Nissan Motor Acceptance Corporation XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
09/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 90028
Web
This complaint is regarding NISSAN INFINIT FINANCIAL SERVICES. In XX/XX/XXXX I filed a dispute report regarding missing data on my Nissan Infiniti Account for the month of XXXX and XX/XX/XXXX. I took the appropriate steps and filed an online dispute through XXXX services and filed the report with the finance company ( Nissan Infiniti ). The file and dispute were updated late XXXX ... .HOWEVER the file was updated incorrectly and now reflects additional missing data for the months of XXXX, XXXX, XXXX, XXXX, XXXX. The reports read payments as " no data '' In XXXX, I applied for the XXXX XXXX loan due to Covid related hardships and was denied because of credit. I was told that I could apply again but needed to show XXXX payment and any other additional on time payments. I began to make a plight ( 30+ ) of phone calls both to Nissan Infiniti and XXXX to drill down on who was at fault and express my sense of urgency. Nissan Infiniti 's supervisor and team has handled the matter very professionally calling me back reassuring me that my credit was being reported properly to all 4-credit bureaus and assured me this was an error on the reporting agency side. In addition to XXXX, I have reviewed XXXX and XXXX and both reports are incorrect. The reporting is absent on XXXX and has not been reported since XXXX on the other. On XX/XX/XXXX I called once again, and an XXXX supervisor expressed that she saw the payments reported from Nissan Infiniti and that it was a " technical '' issue and XXXX was at fault. She suggests that I open up an " escalation '' ticket to get the problem resolved within 3-5 business day. After waiting one week with no results, I started to call again and have been yelled at, hung up on and promised that the problem would be fixed within 30 days. As of today XX/XX/XXXX, the missing data is still reflective on my account and no one at XXXX is sure how to fix. On XX/XX/XXXX, A notation on my Infiniti report appeared payment deferred as of XX/XX/XXXX. On XX/XX/XXXX my XXXX credit reporting still reflected no data for my on-time payment history for XXXX, XXXX, XXXX and XXXX. I placed a call to XXXX and Nissan Infiniti finance. The call with XXXX- I spoke with a dispute Supervisor XXXX of the XXXX XXXX. XXXX informed me that despite being told a number of XXXX representatives and supervisor, Infiniti Finance had not reported any payment for the aforementioned months. He advised me to reach out to Infiniti and have their credit department call XXXX Corporate Credit File Services at XXXX. Later that day I call Nissan Infiniti and spoke with a customer service representative XXXX XXXX who notated that she was not sure why Nissan has not reported my payments. She opened a Sr. Report file with report # XXXX and sent an email to her supervisor XXXX XXXX with an attempt to have XXXX XXXXXXXX reach out to Infiniti credit department and to get the problem resolved and connect with XXXX Corporate Credit File Services . As of today, 60+ days since my initial complaint, my payment history is still not accurate on any of the credit bureaus.
07/05/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • NY
  • 11787
Web Servicemember
I SENT THIS COMPLAINT TO MULTIPLE AGENCIES AND IM JUST NOTIFYING YOUR OFFICE ABOUT THEIR PRACTICES. I AM ALSO A 100 % PERMANENT & TOTALLY XXXX VETERAN. THEY HIT ME WITH A 12.57 % LOAN OVER 75 MONTHS. THIS LOAN IS THROUGH XXXX. I am writing you because of the used XXXX XXXX I financed on XX/XX/2020 from the XXXX XXXX, NY XXXX dealership. I will also be contacting the XXXX, FTC and the New York AG office. How I found out about the XXXX XXXX XXXX dealership was through a postcard I received from them. This postcard was an attempt to solicit business from unsuspecting and recently bankrupt individuals. A practice that I have come to find out is unethical and just plain wrong. Anyway, I was lured into the dealership with the postcard and too good to be true offers. An outright bait and switch was pulled on me by these shady used car salesmen. I wasnt shown any vehicles, but the one Im in now. It was basically rammed down my throat with strong-arm tactics, as they quickly removed my plates and whisked away my original vehicle. Which was only supposed to be an appraisal for trade in. I informed them that I could not afford anything other than {$300.00} a month and was assured that I would receive such a deal. The finance manager XXXX even came running up to me to tell me what a great deal he got me. Then roughly an hour later and after all motor vehicle and insurance transfers were completely, the same sales manager strolls up to inform me that he made a mistake, that he was looking at the wrong paperwork. The bait and switch! No, my new car payment would not be what I could afford at {$300.00} a month. It was now {$500.00} a month with no veteran discount that I was told I receive. Also not to mention a nice and high apr too. I was told Id be taking care of. Yeah, I was taken care of alright. Now almost a year later I have dumped thousands of dollars into this lemon. From breaks that were not changed out, fuel injectors that were no good, to replacing the malfunctioning air conditioning. Which I found out in this warm weather wasnt working. Today was the last straw and why I am finally contacting you. You see, Im not an easy person to XXXX off. So I let a lot of things slide. Anyway, today as I was driving with my mother and my son for a day out in the nice weather the vehicle just loses power right on the busy XXXX XXXX XXXX. In XXXX XXXX traffic and stalls out. More money down the drain coming my way. I am absolutely disgusted and outraged by all that has transpired this year. But XXXX also embarrassed that I allowed myself to be taken advantage of by these people. I know that I can not be the only customer complaining about this dealership. They need to be investigated and shutdown. I am demanding and expect nothing more than that XXXX XXXX XXXX replace and refund me for all my trouble and quite frankly, emotional damage. As I stated, I am embarrassed and disgusted! Nissan should be ashamed to allow this dealership to operate with their brand name. Respectfully, Mr. XXXX XXXX XXXX
08/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TX
  • 78204
Web
XX/XX/XXXX - Opened Loan with Nissan Motor Acceptance Corporation (NMAC)Original terms: $XXXX / month for 72 monthsXX/XX/XXXX - Involved in a car accident that resulted in the asset being totaled. The insurance company paid for the value of the car but still owed $XXXX. Called NMAC and was told the loan would be transferred to Lost Recovery with no option for negotiation. Was told negotiation would need to be handled there.Called Lost Recovery and stated that I would like to not miss any months of payment, and would like to continue paying the loan under the original terms until the balance was $XXXX. NMAC agreed, was told that so long as I made the payments on time and in full, that the loan account status would not turn into a charge-off.XX/XX/XXXX - XX/XX/XXXX, continued to make payments of $350 (original monthly payment: $XXXX) until $XXXX balance. Completed the final payment over the phone to NMAC Lost Recovery and was told that I would send a letter that my account was paid-in-full and in good standing and the results would be reported to the credit bureaus.XX/XX/XXXX: I never received said letter to my address and the credit bureaus reported a charge-off.Called NMAC on XX/XX/XXXX, at XXXX XXXX. Duration: 9min 56sec. Requested a reason the charge-off was reported when the original agreement was that it would not list as a charge-off so long as I paid the account on-time and in-full. The agent informed me that the bureaus were slow to update their information and they would put in a request to remove it.XX/XX/XXXX - Information was updated to correct info and account was in good standing.XX/XX/XXXX - Credit monitoring informs me that there was an update to my NMAC account. Shows the account is now OPEN with a balance of $XXXX. No affect to credit score, but now shows incorrect information. Dispute it with XXXX on XX/XX/XXXX. Results recieved on XX/XX/XXXX now show that NMAC reported it now as a charge-off, closed and amount written off $XXXX. Again, the wrong information.Called NMAC on XX/XX/XXXX at XXXX XXXX. Duration: 21 minutes, 3 seconds. Requested a letter on the status of the account. Was told again that the bureaus are slow to update their information and it could be up to 60 days for them to update my reports.The neighbor in my complex contacted management that they received someone else's mail on XX/XX/XXXX. Management contacted me as my name is on file. NMAC put unit "XXXX" in both the street number and unit. On my portal, my correct address was listed with the correct address. NMAC Lost Recovery sent MY sensitive credit information to the wrong address. The letter could have very well never reached me if my apartment management wasn't able to handle this situation.Called NMAC on XX/XX/XXXX at XXXX XXXX. Duration: 8 minutes, 36 seconds. Was told that I could not speak with Lost Recovery as they were closed that day (Sunday).Dispute with XXXX on XX/XX/XXXX. Upload letter, but XXXX states that the information was already updated and I would need to consult with the lender.
04/02/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • PA
  • 19134
Web
In XX/XX/XXXX, I signed a 3 year lease contract for a XXXX Nissan XXXX and financed my payments through Nissan Motor Acceptance Corporation. In XX/XX/XXXX, I put two seperate insurance claims with XXXX insurance to have damage fixed to my car from a hit and run incident sometime in the fall of XXXX. This auto body work was completed in a timely fashion and great condition at XXXX XXXX XXXX shop in XXXX, PA. I turned my lease in within 1 day of picking the car up, in pristine condition, straight out of the body shop. Shortly after, I received an email from a credit bureau that I owed Nissan Motor Acceptance Corporation {$4000.00} from various charges, but the bulk of them stemming from " previous repair ''. I called Nissan Motor Acceptance to dispute this, stating that I completed all of my repairs before lease turn in. The representative on the phone stated " you signed a contract and you're liable. The repairs you had completed were not up to our standards here. '' I was advised to call my insurance company. After several phone calls and emails back and forth with my XXXX Insurance Agent, XXXX XXXX ( who was very helpful ) he advised me to contact Nissan and that XXXX was not able to rectify this. In or around XX/XX/XXXX, I submitted a complaint with the Attorney General 's office of PA, followed by a letter a few weeks later that they submitted a complaint with Nissan but that by law, Nissan does not have to respond at all. Shortly after in XX/XX/XXXX, I started receiving phone calls from a debt collector. I do not contest the {$390.00} disposition fee, or the {$43.00} tax on that fee. I do not contest that the driver 's side mirror COVER was cracked, but the fair market value of this in somewhere around {$60.00} on the official Nissan website, not the {$460.00} that was charged. The majority of these charges are on the statement as " previous repair '' as the damage description, which was all fixed at a certified auto body shop. Furthermore, there was an 11 % tax added to the " excess wear and tear '' charges on this bill for a total of {$350.00}. I am questioning the validity of this tax percentage and where that number even came from. This is complete unfair business. I did my part and completed what I was advised to fix and sent the vehicle back in the condition I first received it in. My car before leasing the XXXX was a XXXX Nissan XXXX, and I turned it in with so many scratches and dents and never got a bill from Nissan for any of it. I am assuming it is because I leased another Nissan. This bill has given me tremendous stress and I do not know how to proceed. Aside from the illegitimate charges for my previous repairs on this bill, the prices are completely inflated and unjust. I was advised by a XXXX Insurance representative that the company could not have reported this to a credit agency until after 60 days. This balance already appeared on my credit report as unpaid. I do not even know if this is proper information given to me by the representative.
08/03/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Problems when you are unable to pay
  • NY
  • 10301
Web
hello my name is XXXX XXXX, and I was aggressively and thoughtlessly coerced into buying a car I did n't want and could not afford. on the date of XXXX XXXX XXXX I was just walking around and browsing at cars I had come across a little bit of money from a family lawsuit and I decided just to look around I was and currently still in a homeless situation. I asked the Nissan dealer about a used car that was outside and he said used cars are no good to just come in someone will help you. but I said I was interested in just some information on the used XXXX bmw convertible, but he insisted on making me come in. a dealer by the name of XXXX XXXX XXXX started to show me new cars in the showroom and insisted a new car was agood and better idea. I told him that it was n't because I was homeless and on a limited income of social security of XXXX a month and XXXX a month on foodstamps that I could not afford the car. he asked me how much I had avalible I said XXXX he said great I will make it affortable for you he said just put down XXXX down and your social security will cover the lowest payments on the car for XXXX a month. i did n't have any idea how to buy a car or what the options were of how much to put down and i was not prepared with any information and i had no idea about the difference between lease and finance plus a very important fact i did not even want this car at all. i told XXXX that i was not interested in the car he said do n't worry you should take it cause its new and safe.this is the Nissan dealership on XXXX XXXX, XXXX XXXX and XXXX XXXX, i became very very stressed out that he was not paying attention to my wishes and or being proffesionally thoughtful towards me at all that i started to cry and i wanted to break my hands so i would n't sign the papers. i kept telling him i am homeless and without work and without any supportive income for a high purchase and an unwanted purchase and it was the first time i was even buying a car. then when the finance manager told me to come in his office they were making fun of me saying oh mrs. XXXX XXXX is going to be living in her car and they kept making fun of me. while they were telling me to sign the papers and at this point the store hours were closed and they kept me in the store after store hours. About two months later the car got reposed and taken to XXXX then i had to go get it back and i did. then 4 months after that it got reposed again and i have never seen the car since. i called Nissan cooperation to find out what happen to the car and it was sold for XXXX dollars and then they mailed me a bill to pay off the rest for 9000.00 before this happened XXXX XXXX said i can give the car to my wife and she can take the car off your hands pay the payments but you pay the insurance till you get yourself off your feet. i thought that was very unfair. when i tried to return the car the Nissan dealership called the cops on me and said if you do n't come back and get your car we will arrest you.
07/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • NJ
  • 08638
Web
Board : Consumer Affairs License Type : Consumer Affairs Complaints Complaint Number : XXXX Incident Date : Respondent License Type : Consumer Affairs Complaints Organization Name : Nissan motor acceptance corporation Address : XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX i co- signed on a XXXX XXXX XXXX for what was a friend of mine at the time, over the three year span of her lease she had not paid on time ( went through e-z passes & this is how i discovered the car was in my name with the DMV ) and i was expecting the car to be returned in XX/XX/XXXX. When i left the dealer i was not the co-signer i was the main person and the dmv had her car in my name still. I contacted Nissan for the paper work of her car and noticed my name was no longer co signer and now is the " Lease signature '' which also wasn't my signature. & the paper clearly has white out on it. She had moved out of NJ and i was not able to communicate with her properly for her to change the car from my name until she returned to jersey XX/XX/XXXX. XX/XX/XXXX. When i contacted Nissan Financial i was told at one point her car was issued for repo but they never contacted me regarding the matter! she requested to request extend her lease for the car. I never received a notice or was aware that i was needed to extend her lease. I did not agree & she even had me send an email to a worked at Nissan Sales in XXXX XXXXr NJ.. He lead me to believe that i was removing my name from the car so that she can continue to buy out the car instead. i noticed the car was still on my credit in the early months of XXXX when the car was due back after XXXX XXXX. I asked the other person on the lease why would this be on my credit still, she claims she signed a paper with just her name. i contacted Nissan motor acceptance corp end of XX/XX/XXXX and the representative stated in order for the extension to be possible both parties must sign the agreement, I advised i never received a copy of the paper, she confirmed it was only mailed to one address in XXXX XXXX NJ where the other person had moved to. They refused to show me the paper that was completed, it took me calling for about 3-4 from XXXX to XXXX to obtain the copy of the form which shows my name listed, I advised them i did not sign that paper and that's not my signature, my name was just written not even signed. The new representative stated they only mail it to the person on file who request the paper for the extension. i asked how is that even legal if the car was in my name and am telling them i did not sign the paper. they asked me to do a fraud report but the police stations claim because i do not have proof of where she signed the papers i could not complete a report. Nissan needs to be held accountable for this action it has ruined my credit. This may have cost me my career, i was in the process for corrections when all this unfolded and they refused to complete my interview steps because of this issue. Please assist me!
11/15/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • IA
  • 50061
Web
I completed my lease 36 month lease agreement with Nissan Motor Acceptance Company in XXXX 2016. When I took the car back to the dealership I signed all of my papers and had a balance due of {$0.00}. The leasing officer at Nissan told me that if any additional monies were owed such as the disposition fee, it would be sent in the mail. On XXXX XXXX ( 3 months later ), I received a letter stating my account was in collections for {$390.00} ( disposition fee ). At this point after also receiving multiple collection calls, I contacted Nissan on XXXX/XXXX/16 and let them know that I had not received any letters and questioned why this account was in collections. The first representative I spoke to said that letters were mailed but she could not send me proof that they were sent. I found this to be false so I escalated to a supervisor. The supervisor indicated that letters were mailed and were mailed to my current address. I asked for proof of the letters and the supervisor sent them to my personal email. Sure enough the letters were sent to an address I had lived in 3 years prior when the lease was originated. After receiving multiple collections calls I contacted Nissan again on XXXX/XXXX/16 to explain to them I did n't receive these letters and that this remaining balance should not be in collections. After being transferred multiple times I was put on with a supervisor that stated the statements were mailed in error to the wrong address as my address had been updated in the past. I told the supervisor that my account is not being handled appropriately and I should not be in a collections status. She informed me that I still had X amount of days before they would report to the credit agencies. There are several issues I have with the way Nissan is handling this : 1. They sent a collections letter to the proper address but my final statements and bill were not sent to the correct address. 2. This is unfair treatment as I am not being given the same amount of time to pay the remaining bill as someone who would have received their final bill. One month to be exact. 3. I asked the supervisor for the remaining balance which was a disposition fee of {$390.00} to be waived for the inconveniences this has caused me ( multiple calls to NMAC trying to get my issue resolved, possibility of having my credit impacted which could financially harm me in the future, receiving collection calls for something I was never given proper time to pay ). The supervisor stated that legally they could not waive this fee because doing so they would have to waive for all customers. I find this interesting that they will waive this fee I sign a new lease or buy a new car from them ( customer loyalty program ) but they will not waive if they make an error, harass a customer via collection methods, and impact their credit worthiness. I am requesting that the remaining balance of {$390.00} be removed by Nissan for the many reasons state above.
09/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CT
  • 06035
Web
I am seeking help as to my concern of how credit report handle reporting investigation and as well how lender is reporting current payments during pandemic crisis. Originally I filed dispute with XXXX credit report regarding Nissan Finance ( auto loan ) payment history not related to COVID 19. At first Nissan had correctly reported my current payments I made each month in, ,current status '' for the last 7 months and then according to XXXX Nissan asked to remove my payments and place account in deferred status due to COVID 19 with payments to be resumed in XX/XX/2020. No payments were reported to XXXX despite the fact payments were made during those months. I have disputed this information with both lender and XXXX, I received payment history print out from Nissan so its attached to dispute so XXXX can correctly investigate this error. I am not in deferred status and I have been paying my payments out of my packet for the month of XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I have over and over tried to resolved this issue with XXXX and XXXX with no results and only hurting me with inaccurate reporting. Not only its stressful but time consuming to have accurately reported account. XXXX is advising that Nissan is reporting my account status as deferred and Nissan is telling me I am not reported this way to XXXX, They have send me payment print out with payment history showing otherwise and this back and forth is going on for months. I am not really sure what is happening here and I need help, I am sure its happening to others as well.It almost looks like those agencies are trying to obtain monetary relief for showing inaccurate information using COVID 19 because I have no other explanation why would XXXX properly wont investigate and or accept payment history from Lender and / or Nissan report accurate information ( my payments they received ) If this is not resolved I would like direction from the agency on how I could report this to either Congress or Attorney Genera, I am sure there others that going through this same issue. I am subject to damages because credit bureau or the lender is not reporting accurate information 's on my account and I feel its against the law and current Cares act also direct accurate reporting which is not in this case. My Nissan auto loan is not in deferred status due to COVID 19 and I have been making payments on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX should report this as of this inaccurate reporting my credit suffer as well my business. I was told by XXXX so many times that they don't investigate they just let the lender make updates, that's unusual and never heard of before pandemic. Clearly they denied to accept documentation I send from Nissan and fairly report this issue. MY ACCOUNT IS NOT IN DEFERRED STATUS AND I HAVE MADE PAYMENTS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND THIS PAYMENTS NEED TO BE REPORTED IMMEDIATELY
10/29/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • CA
  • 90501
Web
On XXXX/XXXX/XXXX at the XXXX of XXXX dealership ( dealership # XXXX XXXX I purchased a new XXXX XXXX NV XXXX van. During the initial negotiations, the salesman had added some optional coverages which I did not have a clear understanding of. After doing some more research, I decided that I did not want these options and requested to my salesman to remove them. Before I ever took the car off the lot that day, we reconfigured the loan numbers with the options removed and we came to an agreement for the new loan amount, and the corresponding monthly payment arrangement amount. Due to the dealership closing at the time, my sales rep told me that these changes would be finalized the following day and assured me that the new agreed upon loan amount would be honored. Since the date of purchase, I have called and stopped by the dealership numerous times to check and make sure that these changes were made. I was told on more than one occasion, in person and on the phone by my sales rep, that these changes were made and that I would see the corresponding changes in either a letter or bill that would come in the mail. After waiting over a month and not receiving anything, I had to call into XXXX XXXX customer service and ask about my account and the payment amount. It was only then that I found out that none of the requested changes were made, and that my loan amount and monthly payment were not what was agreed upon. The very next day after finding this out, I went to my dealership once again and when I asked my sales rep, he explicitly told me that he had talked to XXXX XXXX services and requested for the changes when the vehicle was first purchased. He assured me that the changes were requested and that it mustve been a clerical error that the changes werent made. He assured me once again that he would follow up with them and to check back in with him the following day to make sure this issue was taken care of. Since our last meeting, I have called Each and every day only to not get an answer, and all of my numerous messages have gone unreturned. Upon further investigation with XXXX XXXX services, they informed me that any type of changes to the loan agreement would need to be done on a new contract document, and that they had not received any contact or inquiries at all from my sales rep or dealership. They also informed me that the sales reps receive the most commission back on these particular optional coverages, which led me to believe that this was the reason why my requested changes were never taken care of by my sales rep. At this point I feel that I have exhausted all possible options to get this taken care of between the dealership and sales rep this vehicle was purchased from, and seeing as how much time has passed since the date of purchase, I need assistance from an outside source or counsel to ensure that this matter is resolved as initially promised.
04/29/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92115
Web
I have been in contact with XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX dealership in XXXX XXXX, CA to resolve an outstanding amount of {$1000.00}. I have had many many phone calls, emails, and correspondence with all three over the last few months and need this issue to be resolved. The following is the information I have collected and noted after various phone calls and group calls with all of these entities. XXXX XXXX has taken me to collections for {$1000.00}. XXXX XXXX claims the {$1000.00} is because XXXX noted there was a previous claim taken out on the XXXX XXXX XXXX in which the damages were not repaired. This is incorrect and a letter from XXXX is attached stating so. This needs to be fixed on Nissans end. XXXX XXXX claims that my XXXX XXXX XXXX XXXX has no GAP. This is also incorrect. Email correspondence that I had with XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX also states this is an error. I also spoke with the manager, and the salesperson who sold me the lease, XXXX XXXX. The two of them along with Finance Director, XXXX, XXXX clearly stated to me, in person, that ALL California Leases with Nissan automatically come with GAP insurance. They reassured me over and over that this is the case. They printed my contract, read it with me, and showed me in person that I should not be held liable. They said it doesnt make sense that I am being charged for anything as I held full coverage with XXXX, had paid everything to XXXX in order to close my account with them, and that all Nissan leases in California DO come with GAP. Again, this is coming from XXXX XXXX XXXX where I leased the XXXX from. I faxed XXXX XXXX and told them to follow up with them on this to resolve it and never heard back. XXXX XXXX has told me on the phone and through correspondence with XXXX that they were in fact underpaid by XXXX, and not by me, therefore, I do not owe the debt being collected by Nissan. XXXX says they paid out Nissan when Nissan requested the amount in XX/XX/XXXX when the car was totaled, and that if Nissan believes that XXXX owes them money, then Nissan is the one who needs to contact XXXX to fix this instead of taking me to collections. Nissan states a deductible was not paid, XXXX says it was paid. Nissan needs to resolve all charges with XXXX, as no claim has ever been taken out on the XXXX XXXX previous to the total loss in XX/XX/XXXX and there were no pre-existing damages to the vehicle. I will include personal notes I have taken over time, the email correspondence I had with XXXX XXXX XXXX Finance Director XXXX XXXX, and with the representative, I spoke with at XXXX, XXXX XXXX. The letter from XXXX showing I have no outstanding amounts due at XXXX and that the only claim ever to be taken out on the entire history of the XXXX XXXX XXXX was for the total loss of the vehicle. Previous claims for any pre-existing damages never existed.
03/26/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with additional add-on products or services purchased with the loan
  • CA
  • 91402
Web
Purchased a Certified PreOwned 2018 XXXX XXXX from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on Monday, XX/XX/2018. During the negotiation process the Finance Manager " XXXX '' verbally relayed to me that my monthly installments would be {$450.00} for a 72 month term, after I verbally agreed to the price I was handed over to another individual ( I dont recall his name ) to do all of the necessary paperwork. During this process I was offered GAP insurance which I declined after being asked a couple times. Next I was offered a Paint and Interior protection for my car called " Xzilon '' which I also declined a couple of times, but the individual was very persistent in persuading me to get this ad-on. Finally after telling me that the " Xzillon '' add on would only be an extra {$3.00} a month bringing my installments to {$450.00} I verbally agreed to the add on. After finishing my paperwork, I was told that my car would not be ready the same day nor was I able to see the car. I was told the car would be available the next day XX/XX/XXXX around XXXX. I was given a loaner car but was not given my paperwork for my car I purchased. The next day on XX/XX/XXXX I picked up the car around XXXX and was given my paperwork in a sealed envelope. When I arrived home I opened up my contract and realized that I had been given false information about my initial loan installment.The actual monthly installment I was approved for through my bank was for {$430.00} a month w/. 3.19 % interest. I was never told by XXXX about the {$430.00} installment only the inflated + {$25.00} amount of {$450.00}. I feel this was an underhand sales tactic with the assumption that I would accept one of the add ons. Instead of the Xzilon being {$3.00} extra a month it was actually {$25.00} over the entire 72 months of the loan which I would have never agreed too. This added an extra {$1800.00} to my loan as opposed to {$210.00} ( $ 3 monthly ). I emailed and text the salesman the next day who referred me to the Finance Manager. On numerous attempts I called and emailed both the Finance Manager and the General Manager and either was told they were off or not available. Finally I received a call on Saturday XXXX, XXXX 5 days later and spoke with a gentleman by the name of XXXX XXXX. I explained the situation to him and he replied that " he would see what he could do, but the paperwork had already been submitted to my bank ''. I explained that I had been trying to reach someone since the XXXX but no one had replied. I called the bank that I was financed through to get some advice and they advised that I have the dealer to simply cancel the contract and resubmit the contract with the correct payment amount. I have not heard back from XXXX XXXX since our conversation. I have not had the Xzilon installed on my car as I was told this would be done at a later time.
12/23/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75207
Web
On XX/XX/XXXX, the current debt from Nissan Motor Acceptance was {$12000.00}. On this date my attorney settled the debt for {$3800.00}. I have my legal documents from my attorney who worked with XXXX XXXX XXXX ( Debt Collection Company Nissan Motor Acceptance used ) to settle this debt with Nissan, which on the documents it states to pay $ XXXX on XX/XX/XXXX, and at the end of each month I pay {$160.00}. I 've made every payment on time through my bank for proof it was paid on the agreed dates. At this time my current debt with Nissan Motor Acceptance should only be {$1500.00}. This is taking into account my payments for XX/XX/XXXXand XX/XX/XXXX I paid each month early to XXXX XXXX XXXX like the agreement states. I disputed the balance of {$10000.00} on my credit report in XX/XX/XXXX with XXXX I sent in my document from my attorney and XXXX XXXX XXXX to show XXXX proof that the debt was settled for {$3800.00}. Today, XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX stating that my credit report has been updated regarding the dispute, however ; it still reflects the incorrect balance of {$10.00}, XXXX. I called XXXX today XX/XX/XXXXand I was advised that Nissan Motor Acceptance refused to update the balance. I asked if Nissan Motor Acceptance sent in any documents to dispute my claim and I was advised that they had not. The original balance of {$12000.00} has been clearly subtracted from the $ XXXX I paid inXX/XX/XXXX and the {$160.00} I paid in XX/XX/XXXX which is my agreed upon amount per my documents from my attorney and XXXX XXXX XXXX through Nissan Motor Acceptance. It does not reflect my payment of this month of {$160.00} which is understandable, because I just made that payment onXX/XX/XXXX. It is my right as a consumer to have the correct information reported on my credit report. I 've tried to resolve this through XXXX but their process and their customer service agents were always rude and never helpful. They only repeated themselves and had no solution or resolve. XXXX also keeps stating my current address in not reflecting on their credit report, however ; the credit report they sent todayXX/XX/XXXX that was dated XX/XX/XXXXreflects my current address. So it 's been like dealing with children that only read a computer screen and do NOT have any understanding of anything. Thus, I have not even attempted to dispute with the other credit reporting bureaus. I 'm working 10 hour days, 6 days a week and as a consumer I should not have to fight XXXX for information regarding my dispute or why my report has n't been updated. XXXX XXXX document dated XX/XX/XXXX clearly states my dispute information has been updated and it has not. That is misleading to the consumer and XXXX will not be helpful in giving an explanation as to why their document says one thing, but the REAL resolution on my credit report says XXXX is a lier.
05/31/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 01803
Web
Infiniti Finance on XXXX XXXX reported late payment to my wife 's and my credit history. Actually we are not responsible for the late payment. As per the deal the dealer gave they were supposed to pay the first two payment : the one that you pay during the signing of the lease and the second one which is the one that will be officially billed by the finance department. Dealership forgot and I came to know about this when I went online to pay my bill from XXXX XXXX which I am supposed to pay. The dealership owned up the mistake and paid the one they had to pay. Infiniti finance refused to update the incorrect credit reporting and asked me to submit proofs for all this. I called in created a ticket with customer service and submitted the required docs. Processing time is 6-8 weeks and they don't send you an email with decision you have to keep calling and they will just close it after they make a decision. Since XX/XX/XXXX to this date XX/XX/XXXX I have opened multiple tickets with their customer service. Each time they bring up new issue with the documentations. ie lets say there are five things they wanted in the body of the letter they tell one each time they reject. And finally, one of the customer service agent himself dictated the body of the letter to me so that the dealer can print this in their letter pad and then I can submit it. Now they rejected that also. The dealership clearly states that it was their fault etc but they just will find new issues all the time. As I am typing this the customer service agent I am working with is trying to come up with new wording to cater towards the new rejection reasons from infiniti finance. They are just so painful and so irresponsible. I am not sure why they have to do this even when their own customer service agents says they can not figure the reason why they keep rejecting the letter or the plea to correct the incorrect credit reporting. Now latest rejection reason which they didn't tell when they rejected before is that they want the dealership to put in the letter why they made a late payment and why they are agreeing to pay it on my behalf. Similar is my experience with another ticket I have with them. I got a parking ticket and I paid on time. They paid it again after I paid it without consulting me. And now they have not recouped the money from the city for months now and I will have to pay the same amount again to infiniti. Their investigation takes more than 30 days, I am not being notified of the results, there is difficulty submitting or get details of a dispute etc. I need somebody to help me. They make you feel helpless. Because of this incorrect reporting I got rejected for my wife 's student loan refinancing and finally when we got a refinancing we got a lower rate than we should have as because of all this my credit score went down from 800s to lower 700s.
01/04/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • PA
  • 17268
Web
Grounded an Infiniti Lease XX/XX/XXXX early, though due back XX/XX/XXXX. Leased a Nissan this time around, XXXX XXXX ( Mgr-XXXX ) contacted Nissan-Infiniti to make sure I would be able to qualify for the " Pull-Ahead '' program. I did the same thing, not taking his word, to make sure and he also provided me with the terms of that " Pull-Ahead '' Early Lease Turn-In, prior to finalizing the new Nissan Lease. After calling Nissan-Infiniti Lease/Finance Customer Care multiple times to verify this would not be an issue turning in an Infiniti to lease a new Nissan, and was informed that I did in fact qualify. XX/XX/XXXX, called again to confirm and verify after getting another letter about non-payment of last lease payment, oddly I 've been paying impeccably on time. Why would I refuse to pay my last payment and lease a new Nissan, almost 3-4 weeks ahead of it due date, I could have kept my lease, paid this last payment and leased the Nissan XX/XX/XXXX. Now XXXX the Loss Recovery at Infiniti tells me its my fault, I figured this is how they ( Infiniti-Nissan ) would operate after the fact. Someone ( s ), was grossly negligent in providing inaccurate information or XXXX failed to properly provide it 's customer service reps with the adequate training and information to provide customers with the right information. Now someone wants to claim stake, that an Infiniti lease end program gave alternative dates. LIE. I was negotiating multiple Infiniti dealers for favorable lease terms from XXXX, XXXX, XXXX, XXXX and none of them mentioned anything about a Lease End Pull Ahead Program or such dates about XX/XX/XXXX-XX/XX/XXXX. Why is it that they do n't even know, did n't know, including Nissan dealers from XXXX, XXXX, XXXX, XXXX who also did n't know about this Pull Ahead program? I even pulled my credit at multiple Nissan Stores, and they had n't heard of such a program. I think Infiniti-Nissan discrimates on who and when to use this selective " Pull-Ahead '' program for its Infiniti or Nissan customers, if their dealers do n't even know they had such a program, and XXXX XXXX happened to stumble on it. I have a XXXX XXXX XXXX XXXX, collections letter claiming {$640.00}. I could have paid it instead of leasing a new Nissan, all someone had to do was say that I DID NOT QUALIFY, and I would have used a perfectly fine Infiniti until XX/XX/XXXX, I had no rush to part with my luxury Infinity and lease a substandard Nissan, when I was in the zone of the lease end/lease turn-in period. Information crucial, and I am beyond certain that Infiniti-Nissan failed to properly communicate such promotion or program to its dealers, and its returning customers, then later falsifying that lease customers did or did not qualify and charge them with the last XXXX payments, as the program specifically only allowed up to the last XXXX payments waived.
11/15/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Fraudulent loan
  • IL
  • 61615
Web
Last year I purchased XXXX Nissan altima SV through XXXX XXXX dealer. It is a very bad experience. Without my knowledge I ended up as a lease contract. I went to XXXX XXXX for purchasing Nissan altima SV. the sales person bought me a quote and said shows monthly payment as XXXX for nissan altima sv for 36 months for 0 % Apr for finance. Then I said i will purhase. After 1 month of purchasing car I realized that it is showing as lease in XXXX website. I contacted XXXX XXXX then they said I leased car for XXXX for 36 months and after 3 years if i wnated to purchase i have to pay residual value of {$13000.00}. All of a sudden i felt i got trapped by this dealer. I looked at papers what i have signed they are related to lease. The actual car value on their website shows {$19000.00} when i purchased car. Since they changed as lease they charged my monthly payments for sticker price which is {$31000.00}. I never asked for lease. Beware of this fraud by the dealer. I reached to XXXX XXXX they said they ca n't do anything to fix it up since it is sold by dealer. They said it is Finance purchase and on papers they says it as a lease when signing papers. This is my first time purchase so I did not checked contract papers trusting dealer and got XXXX XXXX by this dealer for {$13000.00} additional price. The market value of this car is after 1 month is less than {$18000.00}. I purchased it on XX/XX/XXXX. By 1 month I lost around {$13000.00} according to their price tactics done by Dealer and XXXX XXXX. All Nissan Dealer advertisements show lease for approximately {$200.00} nissan altima 2.5 s. How come Nissan altima sv lease payment is XXXX . They are big fraud dealer and XXXX XXXX is encouraging this kind of practices by supporting their dealers. The persons involved in this are Sales person : XXXX XXXX, Internet sales manager : XXXX XXXX Finance manager : XXXX I have called many times dealer using my phone number but they never responded to my phone calls or voice mails. So I tried calling with a different number now they answered my call. If dealer do n't want to answer customer calls then they should say it directly that we can not resolve the issue in stood of not answering calls. Finally I was able to speak to XXXX on XX/XX/XXXX using my spouse mobile phone. Anyways issue is not resolved after speaking to Dealer. Is anything can XXXX XXXX fix this issue. I ca n't pay {$31000.00} for {$18000.00} worth car. I know you guys can say easily it is not on your hands since I made Transaction at dealer. But if you can please resolve issue. If you guys really want to resolve issue You guys can look at Transactions done by all your dealers in USA and see if the same car is sold for {$31000.00} in Month of XX/XX/XXXX. Can you guys help me to fix this. I 'm attaching contract and Pay off quote from XX/XX/XXXX.
09/02/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with signing the paperwork
  • VA
  • 22407
Web
Went in to purchase a vehicle. Spent several hours negotiating a price we discussed before hand. Settled it's with the dealer and went on to sign the deal. He switched the number around and added the same item back on to the document but spelled out differently we didnt catch it at the time but apparently it's a known scam. XXXX XXXX was falsifying items unbeknownst to us. He admitted to this in the office after confronted about items not matching up and not giving us all the forms after the purchase. After being pulled all the way to the other side of the lot for financing and being told our agreed upon payment method XXXX XXXX XXXX would not be accepted one of us left to rush home for a check book. This division added to the confusion they would use to not turn over any receipts or documents besides the e-signature thing mixed in with the swapped buy order. Once we returned back he had none of the items and made excuses and delayed handing them over until general service XXXX intervened. He then presented a document he said was for the vehicle a document he said was from the time of signing. The document listed a different vehicle but had same model number at a lower price.. XXXX XXXX XXXX said it didnt exist and was not on the list of vehicles in the system he had showed us. Upon further review we found that the XXXX VA XXXX XX/XX/14 was digitally signed for accepting a loan. We were in the office physically and were signing with a pen. The signature was so foreign to us that we initially thought it was forged. Mentioned to this to XXXX XXXX and he never mentioned it was an e signature. He only stated no one had forged it. However someone else signed a e signature on our behalf without discussing this with us. Further discussion revealed that the staff keep the sales documents in an EDITABLE document. XXXX demonstrated this by deleting the lines in a document, showing he could. He then tried to take it back by saying only that one page was editable. But it was in same pdf so the entire documents integrity is in in question. So happens the doc in question they had on file was empty while the one we signed was not ( we took a picture of it ). We were presented multiple buy orders with differing numbers signed as proof we agreed to one price. When questioned about this he blamed the computers. It didnt seem to matter that they had so many with different versions of the price of the vehicle. Salesman was engaged in fraudullent manipulating documents telling stories that didnt add up to any of the other employees not even the XXXX XXXX XXXX. We requested to return the vehicle as it was obvious they were not being genuine. They said no, as if counting on the doctored up contracts to protect them. While he expressed confusion as well the XXXX XXXX didnt really care about what had been done.
07/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • CA
  • 92223
Web
Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction XXXX on your behalf will result in a small claims action against your company. 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 and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
04/21/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30909
Web Servicemember
On XX/XX/XXXX Nissan motor corporation fraudulently listed my car as a repo on my credit in an effort to distort my credibility with creditors. Ive paid all of my payments on my vehicle loan with Nissan and had sent them the XX/XX/XXXX payment as well. My mom drives this car therefore although its financed by me she insures and drives it. Im an excluded driver driver because I dont normally drive the car and Im not on her policy. However, we decided that Id get the car back as soon as she get herself another ride. My mom gave it back to me and unfortunately I had a wreck that totaled the car. She hadnt gotten the chance to add me to her policy on that date. The wrecker service called by the officer who took my statement during the accident apparently called Nissan as I never knew the location of the car. My mom was handling all of that. She ( my mom ) stated the wrecker service told her the car was being picked up by Nissan when she inquired about it in an effort to take care of the salvage and pick up the personalized tag that was on it on XX/XX/XXXX. When I went to trade the totaled vehicle, NMAC had listed it as an involuntary repossession to the bureaus. They never called or contacted me about their intent to take my car or why they thought they were involved. As my car wasnt in any defaults where NMAC were involved. I was paying and consistently maintained insurance on it, in full compliance of my lease agreement with them. When I called and three way spoke with a representative in the repo dept along with my mom to find out why they came and got my car they told me the wrecker service called them and said no one was reachable to take care of the salvage. So they took it. That is wrong and creditors arent allowed the opportunity to seize possession of any vehicle without first giving the consumer the right to take care of the matter. They just got the car and put it on my report in an effort to discredit my credibility. Nissan was being paid and had no loss here they decided to report false information to the bureaus and didnt give me anytime to resolve the matter. I had the accident XX/XX/XXXX they placed this car as an involuntary repo on my credit XX/XX/XXXX which is a blatant attempt to take money from me and discredit me. The FCRA has laws against reporting false information to bureaus and stealing from consumers by businesses and this is what Nissan has done to me. I want them to fix this or Id like for the FCRA to take action against them if they dont. They told me Id have to pay repo fees and reimburse them for salvage and take possession of my vehicle which they took without a cause in the first place in an attempt to steal money from me and discredit my credibility. Im young I know but Im not stupid.
08/11/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • UT
  • 84129
Web
On XX/XX/2020 my son XXXX and I saw an online add for a XXXX XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Utah in the amount of {$9900.00} with their advertised " Forever Warranty '' ( see Exhibit 1 ). We made an appointment to see the car the evening of XX/XX/2020. Despite the appointment, the car was not available. It was at the detail shop which was closed. We went back the morning of XX/XX/2020 to test drive the car. We liked the car very much and started discussing a sale. We were informed that the base purchase price would be {$10000.00} because of additional shop fees. We were also informed there would be an additional {$290.00} for " Key Replacement '' service, an additional {$190.00} for brake light enhancement, and {$700.00} for " DrivePur 2 yr '' interior disinfectant spraying service to be applied four times over two years ( see Exhibits 2 and 3 ). We told them we didn't want these, but they said they add these to every used car. They refused to remove these items from the sale, even though they weren't even installed yet. We were also told the car didn't qualify for the Forever Warranty because it was over 75,000 miles - despite it being advertised. We ended up purchasing an extended warranty for {$1100.00} ( undisputed ). We should have walked away but we were caught up in the car and trying to figure out what they were telling us about these nonsensical add-ons. My first complaint is about XXXX XXXX 's unfair and deceptive advertising. The car was listed at {$9900.00} XXXX plus tax and dealer fees of course ). They added so much on that the sales price went up by {$1600.00} ( plus tax and dealer fees ). Also deceptively advertised was the Forever Warranty. While this may have been a sloppy oversight and not intentional, the fact is, the dealer knew the mileage and thus had knowledge that it would not be warranted. Even if it was an oversight, it became a factor in looking at and purchasing this particular car and weren't informed there was no warranty until we asked, well into the sale. My third complaint is regarding the financing. The dealerships credit dept ran our credit reports, then sent our request to at least two other finance companies ( XXXX XXXX XXXX ( Exhibit 5 ), XXXX XXXX XXXX XXXX XXXX XXXX ( Exhibit 6 ). We only agreed to one financier, but we acknowledge XXXX needed to make an inquiry to determine a suitable lender. So each of our credit reports has four inquiries now which harms our credit scores. These were unauthorized credit pulls as these lenders had no " permissible purpose '' under the Fair Credit Reporting Act. I have worked in the heavily regulated financial industry for 35 years and I'm well aware of unfair, deceptive, and abusive acts or practices when I see it.
04/09/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • TX
  • 78258
Web
We have been in contact with Nissan Motor Acceptance Corporation throughout the pandemic. Nissan gave us an " extension '' of two months due to economic problems due to Covid. Nissan also agreed to allow us to pay as we could. We made payments every month with a verbal assurance that as long as we made some payments we would be fine. However, without notice and against everything we had been told by Nissan, Nissan gave an order to repossess our car ( XX/XX/XXXX ), our car was taken that same day. Nissan had accepted a payment of {$150.00} on XX/XX/XXXX. We appealed and ask for help and clarification with no help. We have been without the car for over a month, car is used for work, and after many attempts we were told that although they could not return the car, Nissan would only send us an end of term balance ( we owed at the time the two months of " extension '' ). Nissan stated that this would not be reported as repossessed and would not hurt our credit score. The liability ( end of term ) statement is over {$3100.00} dollars, when we owed approximately {$720.00} to finish paying the lease. Nissan only offered to take {$200.00} dollars of, and {$80.00} for late fees. Today I am told that Nissan did report this issue as a " involuntary repossession '' which will very much hurt our credit score, which will seriously damage our chance to get a car. Our lease contract was done in XXXX way before the covid-19 pandemic, still we were able to make payments as we could, needing two months two finished the payments for the lease. There was no " extension '' from Nissan to pay for those two months. We offered to pay upfront the amount owed, but Nissan would not accept that payment and until today, ( XX/XX/XXXX ) are demanding for us to pay {$2800.00}, or else threatening to charge us whatever amount was left from the auction of the XXXX XXXX XXXX car that we had leased. Our complaint is the misinformation that Nissan has given us, the lack of honesty of Nissan in what 2 months " extension '' truly meant, their lack of consideration for our family by taking the car that we need for work, and their lack of accepting responsability for the damage they have caused us. We offered to pay {$1000.00} cash that we had saved, to pay what we honestly owed, and with the hope this would not affect our credit as Nissan had stated before. Nissan gave us false impression that we were ok as long as we made payments, which we did every month. Never did we think or were told that we were in danger of our car being repossessed. Still today, they keep demanding the impossible amount for us of {$2.00}, XXXX. We are lost and we need Nissan to stop trying to defend themselves with " this is the way it is '' as we are constantly told. XXXX
01/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 14075
Web
XXXX your XX/XX/XXXX response to CFPB XXXX : After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with XXXX online at XXXX XXXX XXXX Should you have any further questions, please contact XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX merely represents your insisted continuance of 194 day obstructions of fact and deliberate participation with NMACs fraud. Mr. XXXX was the lessee and intended transferor. I am the falsely alleged transferee. In response to Mr. XXXX misrepresentations I was pleased with NMACs XX/XX/XXXX denied lease transfer ; one of NMACs many written evidence denials being : From : XXXX, XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX Subject : RE : XXXX XXXX Good Afternoon : I received a call back from Mr. XXXX because notes on the account say : RCVD TOL CONTRACTCONTRACT HAS EXPIRED XXXX..WILL HAVE TO START TOL PROCESS OVER AGAIN *SENT OUT CREDIT APPLICATION VIA REGULAR MAILXXXX I never received anything back and Mr. XXXX and I assumed that it would be okay for this to come in to usis there any way that we can just run this for Mr. XXXX? Thanks. XXXX XXXX XXXX Customer Service | NMAC | XXXX AS now requested by me in 91 separate written communications to NMAC and XXXX since XX/XX/XXXX please return email a true copy of Transfer of Lease Agreement you allege to have been signed and duly executed by me ( transferee ) after XX/XX/XXXX including NMACs approval, date and title consent to this Transfer of Lease Agreement OR communicate by return email the non-existence of a true copy of Transfer of Lease Agreement signed and duly executed by me ( transferee ) after XX/XX/XXXX and immediate removal from my credit report.
02/20/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • CA
  • 91501
Web
It has been nearly 3 months I have been trying to resolve an alleged disputed debt lease return issue with Infiniti Financial Services ( IFS ). I received my end of lease liability statement dated XX/XX/2020. Since then I contacted IFS many times, trying to reason with them, but they would not listen or even try to understand where I am coming from. Prior to my vehicle lease return, to have peace of mind that I would not be charged for any excessive wear and tear or any other damages unbeknownst to me, I took my vehicle to XXXX XXXX for visual inspection. The advisor assured me that everything was ok with my vehicle, and there would be no additional charges for excessive wear and tear. I asked him if he could give me something in writing, he said, they don't do it in writing, but I could take my car back any time and there would be no charges. With that in mind, I returned my vehicle. Shortly after, I received the lease end statement charging me for excess wear and use. This was such a shock that I called XXXX several times, explaining them that I DID take my vehicle for visual inspection to XXXX XXXX dealership, and they DID assure me that my vehicle was in good shape and no excess wear and tear was reported. IFS representatives were extremely rude to me on the phone. When I asked to talk to a supervisor, two of them simply hung up on me after a long hold time. The third one told me the supervisor was gone for the day. And I tried different days, at different times, with different representatives. And, like a rule, they all were rude to me, very unprofessional, very condescending and they talked to me like I was some crazy person, impatiently waiting to hang up rather than assist and understand where my frustration was coming from. I told them that I disputed the charges for excessive wear and tear. I told them I did my due diligence and received verbal ok by an advisor at the dealership prior to proceeding with my lease return. Wouldn't I rather fix any issues before returning my vehicle had I known in advance that I would be charged such excessive amount? What person in the right state of mind, especially during COVID, when I lost my job and I am struggling financially, trying to keep my family fed, would intentionally subject themselves to excessive wear and tear charges by ruthless corporations like IFS? I am broke, I can barely put bread on my table today, and XXXX is simply unlawfully trying to squeeze lease end bogus charges for alleged excessive wear and tear. Moreover, they are not cooperating, they are being rude and insulting on the phone, and they don't want to help resolve the issue of this alleged debt.
03/01/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • FL
  • 33180
Web
Hi, If i am writing today, is to bring to your attention something that happened between myself and XXXX dealership of XXXX XXXX FL. On XX/XX/2019, date of my end of lease experience, i headed out to the XXXX dealership of XXXX XXXX to return my vehicle and try to negotiate to buy or lease another vehicle. As soon as i walked in with my wife, we have been introduced to the salesman and the sales manager of this dealership. We then started to negotiate the return of our leased vehicle and asked the team there to please help us getting an interesting deal on another vehicle and explaining our difficult credit situation of my wife and myself. The leased car we were returning had a that time about {$2800.00} dollar amount of excess millage on the lease terms, and we were assured by the sales manager that by purchasing a new XXXX that day at the dealership that we will be able to negotiate that bill with the financial department of the company later on. Also, when you return a lease, you must pay a excess wear and use of the car but can be waived that fee again by purchasing a new vehicle. After a couple of hours of negotiation and a lot of persuasion from the sales team who promised us a lot of benefits, we ended up returning the lease and purchasing a brand new XXXX vehicle. Due to our bad credit history, we got a the new car financed with an APR of 8.39 %. A couple days following our purchase, me and my wife got very surprised about 2 things. First of all, as we both checked our credit on XXXX XXXX, we realized that the dealership submitted a lot of credit check to our accounts, not even telling us that will happen. This really affected both our credit history and score. Knowing our credit situation at the dealership, i really do believe that we got kind of scammed that time. Second, after receiving the end of lease bill by mail, i have contacted the financial department like i was instructed by the sales manager at the dealership in order to discuss it, knowing that he promised me since i have bought a new XXXX vehicle. over the phone with the financial consultant, i was very surprised to hear that nothing was possible, no negotiation on the total amount and no waiver for the excess wear as well, since that apparently we did not get the new car financed with the in-house XXXX financing agency. thing that nor the salesman, or the sales manager told us upon signing the new car purchasing contract. i really need your help in that matter, i really believe we got scammed by the XXXX team, pursuing us to buy a brand new XXXX vehicle in order to get all the benefits that we will never get at the end.
03/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 95070
Web
Timeline ( 1 ) I leased XXXX XXXX XXXX for two years starting on XX/XX/XXXX and enrolled auto payment since then. ( 2 ) I extended the lease for another 3 months before the first lease expired ( 3 ) I called NMAC on XX/XX/XXXX to check if my bank account has been setup to pay the extended lease. And I got confirmation from the NMAC agent, telling me everything was setup. Note that I had granted NMAC to get money from my checking account and it had sufficient information from my side to do that. ( 4 ) But later I found there was a past-due posted on my account and I contacted NMAC to resolve the problem. And again I got confirmation from the corresponding agent, telling me my account was setup but still they didnt draw money from my checking account due to their mistake until XX/XX/XXXX. ( 5 ) Before NMAC reported the past-due record on my credit report, I didnt receive any message in either email or call about this issue. ( 6 ) In XXXX XXXX, I found my credit score has been ruined by NMACs mistake. I contacted NMAC on XXXX XXXX to resolve the issue. The agent promised me to send out the result which I havent received ( 6 ) In XX/XX/XXXX, I contacted NMAC again for the update of the result. The agent told me NMAC decided not to remove that past-due record. To prepare evidence for future usage, I told that agent I also recorded our bilateral phone call as NMAC did. The agent demanded me to stop and brutally shutdown the call when I asked why. ( 7 ) Since NMAC refused to resolve the issue, I filed a complaint in XXXX and received NMACs response on XX/XX/XXXX, which still refused to correct their mistake. In addition, they cited the Fair Credit Reporting Act to justify their misbehaviour, which is against the spirit of this Act since it does NOT grant the credit agent like NMAC to ruin a persons credit score and refused to correct their error. The NMAC misbehaviours ( 1 ) I got confirmations from NMACs agents multiple times ( XXXX XXXX XXXX and XX/XX/XXXX ) about my account was setup to pay the lease. Note that the bank account is exactly the same as the original lease. ( 2 ) NMAC got sufficient permission to draw money from it for the payment but it didnt. Even though I called them multiple time to resolve the issue. If NMAC had trouble in drawing money, how could they did it on XX/XX/XXXX. Note that I didnt provide any additional information to them during that period. ( 3 ) NMAC reported the past-due item to my credit report without contacting me to solving the problem first. ( 4 ) NMAC refused to correct their mistake on my report ( 5 ) NMAC refused my call brutally to resolve the problem.
02/23/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Taking out the loan or lease
  • KY
  • 40475
Web
I had leased a vehicle through Nissan, and prior to the lease end date contacted them for my options. I was given several including returning, obtaining separate financing to purchase, and to my surprise an extension where as long as I made payments monthly as agreed ; the lease would extend and payments would be applied to principle and interest amortizing to XXXX like a normal auto loan. ( The lease was fulfilled XX/XX/XXXX I contacted XXXX in the months leading up to this - XXXX a supervisor confirmed this discussion during our call this morning XXXX/XXXX/XXXX ) During our discussion this morning ( I originally talked to a rep prior to XXXX ) and she basically said the vehicle was due XX/XX/XXXX or I have to pay the amount in full, when I objected she made remarks that were implying that I was being deceitful such as " well sir we need to know where the vehicle is etc ''. I finally asked to speak to her boss and she was quick to correct me that I can speak to her supervisor. I was upset on the call but had just been given alarming information that took me by surprise and is not good news. I talked to XXXX ; who after some back and forth finally got to agreement with me on the way terms were explained ( all was correct with the exception that there was a 2 year closed end cap on the extension meaning I could follow what was explained XX/XX/XXXX but for a max of 2 years ). I explained that I understood and confirm all of the conversation from XX/XX/XXXX with the exception of the 2 year max ; the representative back then explained it that is was open ended and I could continue this until the principle balance was paid in full if I wish, this was in my view a great option and how I proceeded to operate with Nissan under the assumption I would ultimately pay the vehicle off through making my monthly payments. XXXX acknowledged that the information given about no max timeline was incorrect and apologized, he offered to extend to XX/XX/XXXX as consolation. This puts me into a significant hardship financially as the monthly payment is the one I am budgeted for. If I had known this arrangement had a max timeline I would have chosen a different alternative. In the short term I 've agreed to extend to XX/XX/XXXX to buy some time to figure out how I am going to handle this. I think it is extremely misleading and unfair that I am now forced to make a quick decision on how this is going to go moving forward, the original representative while maybe trying to be helpful clearly provided the wrong information and although while she may not have intended to be deceptive, was nothing short of it.
03/29/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • KS
  • 66047
Web Servicemember
We went into XXXX XXXX in XXXX to talk about trading in our vehicle in XXXX. We ended up with a XXXX Nissan Sentra. I looked at the sticker price and the dealer said " do n't even look at that amount because that is n't what you are going to pay ''. ( the XXXX 's were out and they wanted to get rid of this vehicle ). We did pay the total sticker price and anything else they could add on. We spent from first thing in the morning until late afternoon listening about things not even pertaining to the sell of the car that we did n't know if we were coming or going. We were also talked into things we did not want ie ... VSC and GAP that we thought we were signing a decline for. The dealer also said that they would pay the full payoff of our trade-in and not worry about it. ( he did n't lie, it was just tacked onto the new car ). We should have looked at the contract better but by the time we left the place we were so tired of being there we just left. Later, we looked at the contract and they had added over {$4000.00} to the new car for the amount we were supposedly over/under on the trade-in and they also added the VSC and GAP that we did n't want. We went to speak with them in XXXX, XXXX and even had the owner in the office and they faxed a cancellation of the VSC and the GAP and gave us the confirmation copy showing the refund amount that would be taken from the payment of the new car. It is now XXXX, XXXX and have not seen any changes to our statements that they reimbursed this money so I faxed the copy we had again and said it was a duplicate and stated we still have not seen anything. We heard nothing. We called XXXX XXXX, XXXX and they told us that the department that takes care of the VSC and GAP did not receive any paperwork to do this. ( I have the confirmation number and the " OK '' results that it was received back in XXXX XXXX and I also faxed it a second time!! ). Update : The above was sent to the XXXX and XXXX Nissan of XXXX issued a check and supposedly sent it to Nissan Motor Acceptance Corporation. NMAC says they have not received a check from them even though XXXX Nissan of XXXX sent us a copy of the check saying they did and that Nissan Corporation cashed it on XXXX XXXX. Neither company will talk to each other about this missing check and when my husband and I talk to either of them they both refer us to call the other on the matter or will not return our calls. This has been ongoing with XXXX Nissan of XXXX since XXXX XXXX, XXXX. Again, it is our fault for not following closely to what was being done but we do know that we will NEVER deal with this company again.
04/11/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11563
Web Older American
My complaint is against Nissan Motor Acceptance Corp. A/C # XXXX. In XX/XX/2020 I co-signed for my son to lease a car. My son lost his job and I just found out he did not make several payments and was two months late. I am fully aware that I am responsible for making the payment if he does not make them, but my complaint is that at no time did Nissan Motor inform me the payment were late. They are claiming they did not have my information but at the very minimum they have my address. There is no way they would allow me to be a co-signer without getting my personal and contact information. At no time during this process have I received an email, a phone call and much less a letter letting me know the payment were not being made. As soon as I found out about the late payment, I called them at XXXX and brought the account current. I also told them I had just found out the account was late and was asking why I had not been notified. They told me they cant control the USPS and most people call to say they have not received the letters they send. The claim they sent two letters. At no time did I receive any letters and I have proof. I am set up with the USPS and every morning at XXXX I get an email with a copy of the envelopes I am receiving that day. I can provide these emails going back several months if necessary and you will see that not one envelope was received from Nissan. I asked the rep who would only give me his first name of XXXX, if he didnt think it was strange if as he says most people claim they dont receive mail from them. I did not receive any mail or notices from them. This has a big impact on me since late payments are reported to the credit agencies which can impact negatively in many aspects. It impacts jobs, interest rates, ability for me to refinance my mortgage, car insurance, just to name a few. Since Nissan did not notify me that the payments were late, they should also not have the authority to report this to the credit agencies such as XXXX, XXXX and XXXX XXXX. As a co-borrower I am obligated to make the payment but if the borrower does not make the payment, Nissan is also obligated to inform me that a payment is due. I have my obligations as a debtor, but Nissan also has an obligation as a lender. I want a letter from them confirming they will not report the late payment since they did not due their due diligence in contacting me. I am sure my conversation with them was recorded. I am asking the CFPB to assist in this complaint since they are so difficult to deal with. I was finally able to get my son to give me a copy of an old statement which I provided.
01/03/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • GA
  • 30144
Web
I cosigned a car loan for my sister in XX/XX/2020. I had an excellent credit score so XXXX XXXX XXXX switched our Social Security numbers and put my sisters Social Security number under my name and my Social Security number under my sisters name on their forms. As a result XXXX is now reporting my identity as formerly known with my sisters name as my former identity. What Nissan did was unconscionable. XXXX XXXX Nissan fraudulently misrepresented information by putting me on the loan as the primary applicant instead of a co-signer. They also fraudulently reported that my sister and I were one person ( an AKA identity ) This has caused my XXXX credit score to plummet 100 points. I have made several efforts to contact Nissan. I spoke with XXXX ( Nissan employee ) as recently as XX/XX/2020. I then spoke again with XXXX XXXX ( Nissan employee ) on XX/XX/2020. On both occasions they admitted to the error but have not rectified the problem. On XX/XX/2020 I called Nissans corporate office and filed a formal complaint. They reached out to XXXX XXXX Nissan who promised once again to rectify the problem but true to form, they never made any attempt to rectify the issue. This has caused me financial problems with regards to my ability to transact business. Im a XXXX XXXX and this has affected me adversely. So far XXXX XXXX Nissan has made no effort to rectify this problem that they created. They continue to give me the runaround and make promises to fix the problem without any intention of ever doing so. Their refusal to rectify a problem they created leads to the obvious conclusion that they knowingly committed fraud by falsifying vital information in order to benefit financially. A conversation on XX/XX/2020 at XXXX with the owner of XXXX XXXX Nissan, XXXX XXXX once again yielded nothing. Mr. XXXX called me and attempted to to act like he had no idea what his company had done. He asked me to forward documents which I promptly emailed to him immediately. Of course Ive never heard back from him after sending him the proof and at this point, I really didnt expect to. I believe from our conversation that as the owner Mr. XXXX XXXX is fully aware of, if not party to his companys fraudulent actions. XXXX XXXX Nissan did something criminal by falsifying information on a loan application and thereby committing identity theft. As a result of Nissans fraudulent actions, my credit score plummeted, dropping by more than 100 points and negatively impacting XXXX XXXX and my personal life in numerous ways. The fraudulent actions taken by XXXX XXXX Nissan has caused me immeasurable stress and anguish.
02/11/2021 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 14075
Web
XXXX emailed Nissan Motor Acceptance Corporation ( NMAC ) and XXXX referencing ac # XXXX, XXXX, XXXX and XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XX/XX/XXXX. Additionally, XXXXonsumer Financial Planning Board complaints are XXXX, XXXX, XXXX and XXXX. By its repeatedly demonstrated actions and refusing to email XXXX a copy of the auto lease contract, signed by XXXX XXXX XXXX, XXXX dated after XX/XX/XXXX or email XXXX the non-existence of such contract and total removal of Nissan from its credit report XXXX willingly continues to participate in Nissans fraudulent scheme. One of many of XXXX corrupt participation is its recent attached, issue deferral, communications, report # XXXX. XXXX in part states : if account was opened as a result of identity theft, credit grantor may not know to contact you to discuss this matter The most recent contact to both XXXX and XXXX is : Email to : XXXX, XXXX and XXXX, subject : XXXX Request : NISSAN-INFINITI lease # XXXX, XX/XX/XXXX XXXX in part stating : Attached is the XX/XX/XXXX dated letter I USPS received from XXXX XX/XX/XXXX XXXX If in fact Nissan did not backdate this letter it was more than 100 times requested to email this attachment to me. Also attached is the completed ID Theft Affidavit. XXXX respectfully you have in YOUR possession the ID Theft Affidavit. To avoid increasing damages please return email that Nissan # XXXX is totally removed from my personal credit report. XXXX has been repeatedly advised to request of Nissan Motor Acceptance Corporation its USPS mail dated XX/XX/XXXX in part stating : account # XXXX we have received your transfer of lease package. At this time, your request can not be processedExpired ; applicant will need to submit a new credit application to restart the TOL process The existence of this XX/XX/XXXX letter has been recently learned verified by : From : XXXX, XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX Subject : RE : XXXX TOL/TOE Good Afternoon : I received a call back from Mr. XXXX XXXX notes on the account say : RCVD TOL CONTRACTCONTRACT HAS EXPIRED 4/18/20..WILL HAVE TO START TOL PROCESS OVER AGAIN *SENT OUT CREDIT APPLICATION VIA REGULAR MAIL*AA/AS I never received anything back and Mr. XXXX and I assumed that it would be okay for this to come in to XXXX there any way that we can just run this for Mr. XXXX? Thanks. XXXX XXXX XXXX Customer Service | NMAC XXXX XXXX Credit Report # XXXX is FRAUD.
08/24/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Problems when you are unable to pay
  • FL
  • 33803
Web
From XXXX XXXX to XXXX XXXX, my husband was XXXX ill in the hospital and then eventually XXXX ( XXXX ). At one point, he had XXXX, almost died, and was put into XXXX for 8 days. I did nothing but live at the hospital and go home once a day to shower. A friend even came and kept my dog for about XXXX weeks during this timeframe. I was not looking at a computer or a calendar. Once things began to improve and my dog came home, I was walking her one afternoon ( XXXX/XXXX/XXXX ) and noticed that I had a voice mail. It was Infiniti Financial Services and I had missed the payment. This is my XXXX vehicle lease with Infiniti Financial Services, back-to-back. I had never previously missed a payment or paid late on either lease. I did not get anything by mail or email to warn me of this, just a voice mail on my cell phone from a random number that I could n't identify, thus no rush to check the voice mail. By this time, I 'm about to be late on a 2nd payment, so I was 30 days over on the first one. While on the phone that afternoon with Infiniti Financial Services, XXXX/XXXX/XXXX, I paid the amount owed in full for XX/XX/XXXX and XX/XX/XXXX ( 2 payments plus a late fee ), {$1200.00}. They seemed shocked that I could pay it in full. Eventually, they still submitted it to hit my credit report in XX/XX/XXXX or XX/XX/XXXX ( ca n't remember ) and I contacted Infiniti/Nissan Finance and told them the horrible family situation I had been in, it was n't that I could not pay, I was just extremely focused on another matter and had no reminder at all to pay it and it never crossed my mind. I asked could they please review it. They said they would pass it to the appropriate department and that I would get a phone call for discussion or an email notifying me of the decision that had been made. I never received anything and it is still on my report, so I called them in XX/XX/XXXX and they just said they reviewed it and the circumstance did not warrant the removal. So ... ..10 months before my second lease will expire where I 've made all previous payments on time ( and all payments after this occurrence ) ( almost 6 years ) AND when I found out I had missed this one I immediately paid in full, in a situation where my husband was so XXXX ill he almost died, they sent no reminders either via email or regular mail and left one voice mail from a number I could not recognize, they will not assist me in getting my impeccable credit rating back. As we all know, a 30-day late will drag my score down for a VERY long time, and we know they can fix whatever they are willing to.
08/22/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Taking out the loan or lease
  • CT
  • 06037
Web
I terminated the lease on my vehicle ( a XXXX Nissan Sentra leased through Nissan Motor Acceptance Corp ) on XXXX/XXXX/15 when I purchased a new vehicle. I understood that I would have to pay all payments up to my contracted date. I signed the odometer statement and left my vehicle at a non Nissan dealership. My sales person informed me that I was all set, gave me an approximate number of how much I owed NMAC since he had called them to find out, and informed me to call the finance company on Monday to confirm this amount and to pay it off. I was also informed that I had to give my plates back to the DMV, and promptly mailed them back to the DMV later that week. On XXXX/XXXX/15 I called to confirm the amount of payments I owed to the finance company to pay the lease off, which i had estimated to be approximately {$700.00} or so. This is when I found out about a disposition fee that was never mentioned to me in the car buying process. I attempted to make a few calls to get this waived but was unable to get this fee waived. On XXXX/XXXX/15 I made a payment of {$740.00} to the finance company for the remainder of my contracted payments. I was told that in 4-6 weeks I would get a final statement with the disposition fee and any other charges I may have incurred. I started to get concerned XX/XX/XXXX when I had not received any mail from NMAC, so I had decided to contact them on XXXX/XXXX/15. They claimed to have not received my odometer statement. I promptly called the dealership I dropped the car off and asked that they resend the odometer statement to NMAC. I called NMAC back on XXXX/XXXX/15 to confirm that they had received the statement and was informed that they received it on XXXX/XXXX/15, but that my car had not been grounded. The dealership informed me that they had contacted NMAC to pick up my vehicle but they had yet to do so. NMAC denied getting word from the dealership that my car was waiting to be picked up. It is now XXXX/XXXX/15 and my car has yet to be picked up or have a set date to be picked up. Earlier this week I asked to be sent a signed copy of my lease contract, which I was informed that I would receive in 24 hours. I have yet to receive a copy of my signed contract. I have made all my payments except for the disposition fee and at this point feel as though I should not have to pay a disposition fee to NMAC. This process should not be that difficult and I have had to call them and confirm multiple steps of the process have been completed wasting my valuable time. I am unhappy with the service.
12/08/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • SD
  • 57718
Web
I purchased my vehicle from XXXX XXXX in XXXX and financed my purchase through Nissan Acceptance Corp on XX/XX/XXXX. At that time, I resided in Texas and my vehicle was titled and registered in that state. I moved from XXXX to XXXX in XX/XX/XXXX and my registration was good through XX/XX/XXXX. Knowing my registration was due to expire, I took a day off work on XX/XX/XXXX and drove XXXX miles to the XXXX XXXX XXXX Department to get my title and registration transfered. I worked with XXXX MVD employee, XXXX, and she advised Nissan needed to release my title in order for my registration to be renewed. XXXX attempted to call Nissan around XXXX. After several minutes on hold, me and my boyfriend called from our personal cell phones trying to get through to the same number. Nissan kept us all on hold saying, " We are sorry for the delay, but due to our new website you will be experiencing longer waits. '' XXXX was forced to hang up after quite some time in order to help other customers. Instead she faxed the request to Nissan. However, my boyfriend and I stayed on hold from our cell phones for over XXXX hours waiting for Nissan, but no-one ever answered. Since then I 've tried diligently to get a hold of Nissan and even reached out to the dealer where I purchased the car. On XX/XX/XXXX, I contacted XXXX XXXX in XXXX and explained my situation. They said one of the finance officers would call me, but I never heard back from them. I finally got a hold of someone at XXXX XXXX and they gave me a phone number for Nissan that is disconnected. I continued to call Nissan on several other occasions, XX/XX/XXXX & XX/XX/XXXX and encountered the same message about the long wait period due to there new website. On XX/XX/XXXX, I called the XXXX Department of Transportation and was told they were not holding up the process, the title release request was pending with Nissan and I just had to wait. On XX/XX/XXXX, I enlisted help from the local Nissan dealership here in XXXX, XXXX. I spoke with their title representative, XXXX, who offered to help me. XX/XX/XXXX i sent XXXX more info. She sent me a message that she was still trying to get a hold of Nissan. Another week later, she sent me a message that was finally able to get in contact with Nissan and they said they never received the request to release my title. XXXX contacted the XXXX XXXX, who confirmed they submitted the original request to Nissan and requested they submit the request AGAIN. I still have not heard from anyone about said matter and it is XXXX XXXXXXXXXXXX
11/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 31321
Web
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. XXXX XXXX XXXX {$21000.00} Exceptional payment history From XXXX up until this current month, XXXX this account is showing deferments and not as being paid, which I have been paying this account every month and on-time. There are no valid claims ... account was never deferred and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulplease update it to reflect ( Paid on time ) Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
10/14/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MA
  • 01845
Web
Infiniti Financial Services XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX Acct : XXXX XXXX XXXX Vehicle XXXX XXXX XXXX XXXX Lease amount : {$390.00} Infiniti Financial incorrectly reported that I was 30 day late with my XX/XX/XXXX payment. On XX/XX/XXXX, I called Infiniti financial to make a payment over the telephone and to request to extend my lease to XX/XX/XXXX. When I called I tried to make a payment over the phone, but the representative told me the system was not working to accept the payment. The representative advised me to call later or to make the payment online. I made my XXXX XXXX payment online, on XX/XX/XXXX. I was not more than 30 days late. Payment was made XX/XX/XXXX, but Infiniti payment system did not properly process the payment on time. I should not be punished, and suffered the consequences of having a 30 day late payment history on my credit report for 7 years, for Infiniti 's own mistake. It is not fair. I called and tried to explained this to Infiniti. Instead, I was mocked by the representative, who told me I was lying and that the company couldn't do anything. I should not bear this negative information, just because the company 's own failure to correct its system. I need you're help in reversing this incorrect, 30 days late payment on credit report. Another issue, is that even though I paid, XX/XX/XXXX and now XX/XX/XXXX 's payment. Infiniti reports on my credit, that I owe, XX/XX/XXXX and XX/XX/XXXX 's payment. When I asked why, I was explained that they charge in advance and this is why my credit reflects two payments instead of one. This inaccurate information negatively impacts my credit, because it seems that I two payments behind, when I am not. Third, I have requested more than 2 months ago, proof that Infiniti paid 2 parking tickets, I already paid. I called the company numerous time. Every time, I called I get the same answer : " We have requested the information from the Accounting Department. It takes 2 weeks to get it. Once available, we will mail it to you. '' It's been more than 2 months and I have not yet received anything. I appreciate any help in solving these issues. I have tried to talk to Infiniti, without any success. The company is not willing to help. Since XXXX, when I took this lease, I have made payments on time. I have 3 years of on time payment history. I was not late on my XXXX XXXX payment. I should not bear the cost of 7 years of negative, incorrect information, when the company is at fault. Thanks,
04/08/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem with product or service terms changing
  • DC
  • 20019
Web
I purchased an XXXX and was financed with XXXX XXXX XXXX in XX/XX/XXXX in which my first payment was not due until XX/XX/XXXX. Unfortunately, after I purchased the vehicle, the government was shut down and I was on furlough and just last month received my retro pay. Due to this I requested a balloon payment or some sort of assistance in making my first payment as I had no money or means to make it and desperately did not want to miss the payment or have it negatively affect my credit report. I was told in early XXXX that they had placed the request and I would be receiving the forms to review, confirm, and sign and since it was shutdown, they would only put one, instead of the two, payments to the rear. After 10 business days, I noticed I had not received the forms and called to inquire, in which time I was advised that they were not sent, as the representative did not send them because although she said the manger had approved it, they did not sign it. They then stated they had put in another request and I would be receiving the forms again in the mail. I waited again and now the due date, which is XX/XX/XXXX was her and I was getting anxious and nervous as I was still without funding and no work. When I called back I was told that I was misinformed the entire time and they had no relief for the shutdown victims unfortunately and that I need to make a payment asap to avoid a negative remark on my credit and have a late fee. Of course, I was very upset and had to scramble to make the full {$740.00} payment and now am at a total financial hardship as to where I could not even make the payment in full on time last months and trying to recover from everything has been challenge and not to mention a total financial hardship. I placed a request in two week ago for some assistance again and advised the payment would be late but was there anything they could do because of the circumstances and requested to have a courtesy credit mark removeable, as they reported late, and my credit has gone down an entire 30 points, which is very hurtful to me and my credit. Although the request was placed, again when I call them I get the run around and no word yet if it was or was not approved. With all being considered and reviewed, I am desperately requesting that they do a one-time courtesy removal of the negative mark on my credit report ASAP. I want a confirmation of the approval for it too, so I can have to send to the credit bureaus to ensure they remove it in a timely fashion.
10/17/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • MD
  • 21044
Web
Last year in XX/XX/XXXX I moved from XXXX XXXX to XXXX I registered my car motor vehicle department ask me the title for the car ask my Nissan motor company to send a title to the XXXX Vehicle Department so that they can register my car and that time in XX/XX/XXXX they said they have sent the document to the motor vehicle department of XXXX my car was registered on these terms I will be providing them the title. As in XX/XX/XXXX my registration got suspended. it was not renewed because of the title which I ask Nissan to send them one year before in XX/XX/XXXX I called Nissan in XX/XX/XXXX and ask about the title and they said they going to send it right now so after 1 and 1/2 month and after everyday I call them everyday a new customer care person comes in and he starts a new filing for the sending title and after all that after 1 and 1/2 months they said that I should go to XXXX XXXX DMV to get the title after wasting my time for more about like one and a half month they told me to go to DMV New York when my car was not registered I am doing XXXX and XXXX for that reason that I wasn't going to the job I got job less I asked to send me the extension documents so I can have payment extension for these two months send me the extension documents of the payment and I send them back and they accepted the extension payment besides giving extension they also inform the XXXX XXXX about my late statement anyhow I call XXXX and filed a dispute for the information correction. Today I got the result from experience and they put my 3 months as a late payment so I have been in this regard this the same situation happened last year and I file a dispute and they were not able to unless I I filed a complaint in cfpb they were able to resolve my case and but still they put one month on my head so same thing they are doing now has me in this regard as its resulting financial crisis and I am unable to do the job and pay my rent and other bills because of the lowest score I am getting loan from XXXX XXXX and it's resulting in the hard inquiries on my credit report i am living with my XXXX kids and wife and got to situation of eviction when we were not having any place to live i am in worst condition of my life because of only nissan playing with my life you guys are only the hope for me i am looking forward for help from you to settle all this addition to that i am also filling a suit against Nissan in district court which brought me to worst financial crises of my life.
11/24/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Taking out the loan or lease
  • CA
  • 90240
Web
I LEASED THIS CAR XXXX AT XXXX INFINITI. AT THE DATE OF LEASE AGREEMENT XXXX, THE TOTAL MARKET VALUE OF THE CAR WAS {$30000.00}. AT THE END OF THE LEASE AGREEMENT, THE REMAINING BALANCE/ RESIDUAL PAYOFF WAS {$24000.00} TO PURCHASE THE CAR. I HADNT DECIDED IF I WAS GOING TO PURCHASE THE CAR OR GET A NEW LEASE SO I EXTENDED MY LEASE. THIS EXTENSION WAS VERBAL AND PER INFINITI FINANCIAL SERVICES ( IFS ), I NEEED TO PAY THE MONTHLY NOTE AND IT WOULD BE APPLIED SO ONCE I PAID THE REMAINING BALANCE, THE TITLE/PINK SLIP WOULD BE SENT TO ME. I DID N'T HEAR ANYTHING FURTHER FROM IFS REGARDING THE LEASE. NOW IN XX/XX/XXXX, I CALL TO INQUIRE ABOUT THE STATUS AND THE NEXT STEP AS I HAVE FULFILLED THE PAYOFF BALANCE. I WAS TOLD THAT I STILL HAD A BALANCE. AFTER SPEAKING WITH XXXX XXXX XXXX XXXX FINANCE MANAGER, HE STATED THAT HE 'D HAD N'T SEEN ANYTHING LIKE THIS AND THAT I HAD XXXX EQUITY PAYMENTS MEANING THAT I HAD FULFILLED MY LEASE AGREEMENT. HE THEN REFERRED ME TO XXXX ( IFS CORPORATE ) FINANCE MANAGER. XXXX COULD NOT EXPLAIN HOW MY PAYMENTS WERE BEING CONVERTED TO THE VALUE OF THE CAR, NOR HOW IT 'S LEGAL TO CONTINUE TO CHARGE/COLLECT FOR AN EXPIRED LEASE ( THAT IS PAID OFF ). TODAY, XXXX, IFS IS STATING THAT MY BALANCE IS STILL {$6700.00} ALTHOUGH I 'VE MADE XXXX PAYMENTS TOTALING {$37000.00}. WHICH MEANS I WOULD HAVE PAID {$44000.00} FOR A CAR THAT WAS {$30000.00}. THEY WILL NOT REFUND ME THE OVERAGE I 'VE PAID ACCORDING TO THE LEASE AGREEMENT, NOR WILL THEY CONSIDER TO CAR PAID AND TRANSFER THE TITLE TO ME. YET THEY ARE PENTALIZING ME ( XXXX EXACT WORDS ) FOR MY MISTAKE OF NOT COMPLETING AN AFTER LEASE PURCHASE AGREEMENT. I EXPLAINED TO XXXX THAT HE CAN NOT CONVERT/CAPATILIZE ON AN EXPIRED LEASE AGREEMENT/DEPRECIATION. HE STATED " THAT HE UNDERSTAND WHERE THIS SOUNDS ILLEGAL BUT IT 'S MY FAULT ''. I THINK THIS SHOULD BE INVESTIGATED BY SOMEONE LARGER THAN ME. THIS CORPORATION HAS TAKEN ADVANTAGE OF MY TRUST IN THEM BASED ON THE TERMS OF THE LEASE AGREEMENT AND OTHER VERBAL COMMUNICATION. THE ARE UNWILLING TO END THE BILLING AND CONSIDER THE BALANCE PAID, ALTHOUGH THERE IS PROOF OF MY PAYMENTS. THEY WILL NOT TRANSFER THE TITLE OF THE CAR. AND THE BALANCE CONTINUES TO INCREASE. I HAVE PAID WELL OVER THE BALANCE OF THIS CAR AND THEY ARE USING THEIR SIZE TO BULLY ME. THIS IS UNJUST AND UNFAIR. THEY ARE " PENTALIZING '' / TAKING ADVANTAGE OF ME AS THEY CONTINUE TO COLLECT ON THE PAID, EXPIRED LEASE YET THEY REFUSE TO HONOR THE LEASE AS THE ONLY CONTRACT THAT EXIST.
08/07/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • NJ
  • 07305
Web
XX/XX/2017 I went to XXXX Nissan to do a trade in payoff for a new car which was a XXXX XXXX XXXX XXXX Me and my co-sign XXXX XXXX got approved by Nissan motors acceptance corporation. We both signed paperwork for the car but not technically on the same day of the purchase. After we were told that the paperwork was cleared and spoke to a representative from Nissan motors acceptance to answer questions, everything was fine and we had to wait to receive our account number and other information through the mail. Soo the next week on XX/XX/2017 I got into a bad car accident with an off duty police officer and the car got total. The next day or couple of days after the accident, I told the dealership my situation and being that I had gap insurance and my auto insurance sent out a settlement check for the car. At the time I told the dealership, they wanted me to come in on XX/XX/2017 to come in and signed another contract for a different bank which was XXXX XXXX and told me that the gap insurance was still going to cover the remaining balance left on the loan for the car. Also, with the new contract I noticed that they wanted to switch me as co-signer and my girlfriend as primary buyer which was kind of confusing because onnthe first contract I signed on XXXX XXXX, I was the primary buyer and my girlfriend was the co-signer. After the contract was signed, I contacted gap insurance to file a claim on the vehicle and was told that I cant file a claim on the car because the accident happened on XX/XX/2017 and I signed the contract on XX/XX/2017. In they system nothing showed up about Nissan motors acceptance which I signed on XX/XX/2017 only the XXXX XXXX contract. They told me to contact Nissan motors acceptance to get a account number to dig deeper into they system to find out the issue which I did and they told me no account exist in they system using my name and social security numbers. I contacted gap insurance back and shared the information I got from Nissan motors acceptance and they told me its nothing they can do because the contract was signed on the XXXX of XXXX and the accident occurred on XX/XX/2017. Apparently, we were lied to about the paperwork being good and basically been driving the vehicle of the lot with no loan. Now Im stuck with the XXXX XXXX loan and I dont even have the car in my possession. Its really affecting me and I cant do anything unless this loan gets resolved and removed from my credit. This need to be fixed ASAP!
05/23/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem extending the lease
  • OH
  • 44060
Web Older American
My elderly father and I joint leased a XXXX XXXX XXXX for my XXXX XXXX XXXX daughter from XXXX XXXX in XX/XX/XXXX. It was a three year Lease and I elected for the extra 25,000 miles a year option. There was never a late or missed payment on the account for the entire duration of the lease term. The lease was up in XX/XX/XXXX in which I called XXXX XXXX and requested a three month Extension on the lease. I was granted the extension I signed the agreement that was sent to me and returned it immediately at that time XXXX XXXX was not automatically drafting the payments as it had for the past three years therefore I set up where my bank would automatically send the payment to Nissan out of my account in which the payments were drawn out of my account and sent to XXXX XXXX. On XX/XX/XXXX ( I had until XX/XX/XXXX per XXXX XXXX ) I elected to want to return the lease vehicle to lease a newer vehicle with Nissan. I had set up two appointments with the company that they contract with to have the vehicle inspected in which twice the inspector did not show at the scheduled time in which I Had to take time off from my employment in order to accommodate them. On XX/XX/XXXX my father received a call from XXXX and saying that he is a private investigator looking for the central because there has been no payment on the vehicle and I needed to leave it somewhere with the keys in it because it was being repossessed or there was going to be legal action taken against him I immediately called the number that was given to my father and I did is the man said that he was to come and get the car and that I was not to make any payments to XXXX XXXX I merely called XXXX XXXX they informed me that there was no payment received for the past four months on the vehicle which was untrue per bank statements that are attached and now they have put a collection on to both of my credit and my fathers credit they are demanding {$9000.00} in order to settle the account I do not have possession of the car and this was an agreement and payments were made with XXXX XXXX they have now ruined both my elderly father is impeccable credit score and have jeopardized my ability to apply for summer college courses. I have faxed over copies of my bank statements to several different people I am put on hold I am hung up and they have promised me that it would be handled by the end of each business day and this is affected both my credit and cause me extreme anxiety and emotional distress
04/11/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • TX
  • 75098
Web
Beginning in XXXX, I visited the XXXX dealership in XXXX, TX. I was purchasing another vehicle and decided to take my XX/XX/XXXX XXXX to the service department. I was having issues with my XXXX, which is covered under the extended bumper-to-bumper warranty I purchased. I dropped my car off for them to look at the XXXX issue and to perform a XXXX mile tune-up on my car, which cost me over {$700.00}! When I came to pick my car up a few days later, I noticed after leaving the dealership the XXXX issue was not resolved. I immediately called the dealership and they advised me to bring it back in a few days, which I did. Upon bringing the car back for the SECOND time, the XXXX dealership put me into a rental. They kept my car for a WEEK and then called saying they were not certain what the issue was and I needed to come get the car. They said they would order a new radio and when it was received I could bring it back and they would replace it. I later brought my car back and they put me into a rental car again. This time the dealership kept my car for FIVE solid weeks. They returned my car to me on XXXX, which is the last day my warranty was valid. After leaving with the car, we noticed the XXXX issue still was not resolved and now we were having additional issues with electronic components ( thermostat read XXXX degrees, all of the time, and when I changed the temperature of the air conditioning it would also change the mode, which are controlled separately ) Again, I called the dealership to let them know. I was asked to bring the car up there on XXXX at XXXX Unfortunately, I was unable to make it to the dealership in the morning due to work ; however, we brought the car up there at XXXX - just six hours later. When my boyfriend arrived at the dealership he was informed that they would not look at the car because we were not there on time, they would not simply take the car and give us a rental because they had to diagnose the car to ensure something was wrong with it - mind you - this is NOT a new problem. The manager, XXXX refused to talk to me on the phone and made me speak with the Service Guy and she also said that unless we could prove that they caused the additional electrical issues, we were going to have to pay for those out of pocket. It is ridiculous that a consumer can pay thousands of dollars for a warranty, be charged interest on top of that, and not receive the level of service they should. THIS IS A COMPLETE SCAM!
01/12/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • FL
  • 32303
Web
I have written this company at least 10-12 times in the past two years inquiring about the status of account # XXXX. I also disputed the accuracy of this account through the XXXX major credit reporting agencies. The bureau responded every single time ( 14X ) stating that Nissan stated they are reporting accurately. However, they are lying because the amount they stated that I owe is not correct and nor is the date of status ( my last activity ) on the account accurate. They never notified me that they sold the truck nor the amount that they sold it for. The amount I owe should be less whatever they sold the truck for. This should be the amount that 's reported on my credit file. I have contacted this company via the credit reporting agency asking for a debt validation regarding this account # XXXX. However, I have n't received a response. They still manage to keep reporting it on my credit profile every month even though they have not validated the debt. At this time, I am asking this company officially to validate this debt by sending me a copy of the contract which contractually binds me to pay the debt as being reported on my credit file. In addition, you should take note that re-aging this account is illegal. The FCRA Compliance Date is the official beginning of first date of delinquency which can not be changed once an account is charged-off. The 7-year clock begins 180 days from the time I FIRST missed a payment. Once a charge-off or collection account reaches seven years the credit bureaus must purge the account and it will no longer appear on future credit reports. This date from which the collection must be removed is informally referred to as the " purge from '' date. Re-aging a delinquent account is a serious violation of the FCRA. An original creditor or a debt collector may engage in illegal re-aging on the same charged-off account. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance. If this request is not met in approximately fifteen working days, I will have no choice but to contact a consumer attorney in hopes to resolve this issue. I have tried for months to be civil in hopes of reaching a mutual resolution, but to no avail. The company has chosen to practice illegal and unethical tactics in an attempt to get me to pay a debt that does n't belong to me. Please govern yourselves accordingly.
10/13/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • MD
  • 21201
Web
I went to purchase a car at ( XXXX XXXX XXXX ) XXXX in XXXX, Florida after being told I could get a car for less or equal my current payments and get a rebate due to my XXXX XXXX membership. I was pushed into a car loan with a {$630.00} payment which was {$100.00} more than my payment on the car I was trading in. The new loan came out to be {$30000.00} on a XXXX XXXX XXXX, {$12000.00} more than the car was worth new and $ XXXX {$18000.00} more than it would be worth it when I drove it off the lot. The loan was made under duress as I spent 8 hours at the dealership waiting for the financing to go through. I told the finance manager at XXXX XXXX I was concerned about the amount of the payment for the car, especially because it was not the car I wanted but the car that the salesman and the dealership would get the most rebates on. I wanted a XXXX they pushed me into an XXXX. The finance manager told me I would be able to refinance the car within 6 months. So I signed the contract because I was tired and it was XXXX. I called XXXX in XX/XX/XXXX and informed them of these practices and they said they would look into it. I had a medical accident in XX/XX/2018 which caused me to miss several days of work and end up needing XXXX. I called NMAC and told I couldn't pay the bill and could we work on a payment plan as I was going through financial hardship, they would not help. I asked to refinance the car, they said they don't do that. I called the dealership and their response was to put me in a new vehicle which I walked out of that conversation. Eventually, the lost wages caught up to me and I could not pay the car anymore and had to surrender to repossession. I tried to avoid it at all costs but NMAC would not help me. I was upfront and honest about my situation and was told I shouldn't have taken out the loan if I couldn't afford it. I didn't know 3 months later I would have an accident that would hinder me from working and cost me wages. I also would like anyone to know that finance managers are lying when they say you can refinance the car after 6 months. I have paid {$120.00} a month on the repossession since XXXX but that is a lot considering I was unemployed from XX/XX/XXXX-XX/XX/XXXX due to covid-19. I have told NMAC all of this and they still are coming after me for {$18000.00} on a vehicle that was financed for {$30000.00} that wasn't worth more than the original {$18000.00}. This loan was again made under duress.
07/10/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • CT
  • 06477
Web Older American
On XXXXXX/XX/XXXX I disputed the debts listed on the End of Lease Liability Statement through priority mail for Account XXXX XXXX XXXX for the following reasons : The Itemized Wear and Use section on page 2 of the End of Lease Liability Statement had several problems. One, it does not indicate tire problems that are listed as chargeable use in the list Nissan Motor Acceptance Corporation lists. I am including a copy of the list here but it clearly states that the tread on the tires must be less than of an inch. The depth of the tread is not reported on the bill. Moreover, the list states that the scratch on the wheel cap must be longer than six inches. There is no report of how long these alleged scratches are in the itemization. Two, the portion about a cracked rear lamp is false. When my daughter returned the car, someone named XXXX XXXX inspected it with her and walked around the car. There was no mention of a cracked rear lamp in the report from the turning in of the car. If this was not a pre-return inspection then that was not made clear to me. If there are broken lights, scratches or worn tread, I dont know if such wear was sustained after we surrendered the car on XX/XX/XXXX. None of the time and location-stamped pictures we took of the car on the lot when it was returned on XX/XX/XXXX show any cracks. The total of these false charges is {$670.00}. That entire amount is disputed. Third, the disposition fee of {$390.00} and the disposition fee tax of {$25.00} are also disputed as I tried to renegotiate the lease and was rebuffed several times and was told I would have to pay {$470.00} per month to lease the car. My offer to continue leasing at the same price was rejected by the XXXX XXXX XXXX in XXXX XXXX, Connecticut. If Nissan is not willing to work with me then I cant renew. I enclosed money order number XXXX for {$640.00} for the property taxes. In accepting this {$640.00}, my letter made clear that by accepting the money, NMAC agreed to waive the rest of the bill because the debts are not valid. I told NMAC that if they didnt accept this offer, to please send the money order back and we would resolve this through the courts. Copies of the payment and the letter are being attached to this complaint. I received notice that NMAC accepted the offer and the final payment of {$640.00} for the entire debt. Collection efforts should cease and I should have a {$0.00} balance.
05/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 31419
Web
When my car got totaled in XX/XX/XXXX, I had gap insurance to pay for the balance. I called the loan company in XXXX, Nissan Motor Acceptance Corporation ( NMAC ), to ensure that all had been paid off. They informed me that it was and a check would be mailed for the balance. I asked them if they were sure that I was supposed to receive a check because the gap insurance was only supposed to cover the car and nothing extra. They assured me the check was meant for me. They mailed out the check on XX/XX/XXXX. On XX/XX/XXXX, I cashed the check and placed the money into my savings account. Fast forward to XX/XX/XXXX. I received a letter from NMAC stating that I owed them the balance of the check they sent me because they had credited the wrong account for the balance. Upon receiving the letter, I had the balance paid off within a week ( XX/XX/XXXX ). I called NMAC to ensure that there would not be anything negative on my credit report due to the interaction and they said there shouldnt be. When I got the update my credit report showed a past due balance, I called them back and they said they would submit my claim and information to their credit reporting team. I could not speak to them personally, but it was decided that because I had not made a payment - due to having a {$0.00} balance up until XXXX when they reversed the check, I was still late. They back dated the account on their end so that they could cover up sending out the check to the wrong person. But, you cant back date a credit report that updated monthly. I asked why they had not called me immediately upon reversing the check and they said that they had but I didnt have a voicemail setup ( false information because Ive always had one and there were no missed calls from them at any point either ). I even had to pay more than the original check because they included other fees on the payoff. I also did not receive any emails about the issue, which would have resulted in it being paid off sooner. They didnt send me any information or update my statements either ( see attached ). You can also see on the documents that there was a {$0.00} balance from XXXX when they reversed the original {$1600.00} credit. I just spoke with a customer service representative and they shared the more detailed documents with me. Can show proof it came from them if required. I tried placing a claim with Transunion and Experian but they sided with NMAC.
07/26/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AZ
  • 85392
Web
I called Nissan Acceptance regarding my Car payment today. The representative that I spoke to was rude and cut me off several times during the conversation. I asked to speak to a supervisor and she transferred me to a general voicemail. It did not identify anyone on the voicemail. I called back and ask for a supervisor and that representative did the same thing, they transferred me to general voicemail with no one 's name or extension on it. I called back a 3rd time and explained to the representative that I need to speak to supervisor and that I keep getting transferred to a voicemail and he responded " : Maybe there not XXXX available and that why you keep getting voicemail and then placed me on hold. Finally a supervisor came on the phone. I explained to the supervisor that my payments that I am making on Nissan 's website are not being credited on the day that I authorized them. They are being credited a couple of days later. She explained to me that the payments are not back dated to the day they were authorized. I explained that I authorized my payment on XXXX and as of today XXXX/XXXX/XXXX the payment still has n't posted and I am being accessed 3 additional days of interest that I should n't. I also explained that their own website shows the payment that I authorized on the XXXX is pending. I also advised the payment I made last month was made prior to the XXXX but it was credit on the XXXX. The supervisor stated I should look at other forms of making the payment like XXXX but even then the payment has to be there by XXXX in order to receive credit the same day. I explain to the supervisor again that I understand cut off times however the system can clear determine what day I authorized the payment for and the payments should be back dated to the day in which the payment was authorized not 2 or 3 days later because I am being access additional interest for these days. She said she could summit a suggestion that Nissan fixes this issue but there nothing I can do at this time and there no guarantee Nissan will ever fix the issue. I advised the supervisor I will be filing a CFPB complaint because Nissan payment posting process of not posting payments when they are authorized is resulting in me having to pay more interest on my loan because they are posting the payment days after I have authorize the payments and not back dating to the effective date in which I authorized the payment.
02/25/2019 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 92591
Web
NOTICE- Step 2 of 5 gives me limited choices, the only reason for my choice in step 2 is that it closely refers to my situation by way of credit report. To explain on XX/XX/XXXX I purchased a XXXX XXXX at XXXX XXXX in CA from XXXX XXXX, the commercial vehicle manager. He requested info about my LLC as well and I was certain this was a commercial lease. Regardless, the problem that followed was I found the XXXX to be unstable it was a basic XXXX XXXX, my test drive at Nissan was not on the freeway but around the dealership. So driving it on the freeway was a horrendous experience. Emailed XXXX XXXX. He advised bring XXXX in for inspection. Upon inspection he claimed " there is no problem '' yet a third party mechanic found the issue, Nissan was not willing to work with me, I decided to return the vehicle, voluntary surrender. On XX/XX/XXXX I received certified mail " Notice of right to reinstate contract and redeem vehicle ''. ( having discussed with third party mechanic, I decided to accept offer, have the repair done privately and save my credit ) so I accepted the offer by signing and section " E '' - right to request extension of time to reinstate contract or redeem " which gave me an additional 10 days plus the standard 20 days from date of notice XX/XX/XXXX ( which was weird since I only received the notice on XX/XX/XXXX but I knew this gave me ample time for Nissan to work with me and promptly mailed off the acceptance via certified mail and extension to the address XXXX XXXX XXXX, XXXX XXXX. During this time I was never late and attempting to reinstate my contract but Nissan failed to honor the offer to reinstate. The certified mail with my acceptance to reinstate was delivered to Nissan well before deadline. The certified mail tracking confirms this. Why then was I told by XXXX XXXX on or around the XX/XX/XXXX that " its too late the vehicle is sold? I advised that I received a notice to reinstate but he said no the vehicle " is gone '', no offer to make ''. Did Nissan have any intention to reinstate or did they send out the notice as a pretext to comply with state law since I was never delinquent on the auto payment? I am utterly disappointed and I need clarification as to what went wrong? Why was Nissan so quick to report on my credit while in negotiations with me to reinstate? Why was the vehicle sold on XX/XX/XXXX, per the notice dated XX/XX/XXXX I received from Nissan?
03/14/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • AZ
  • 85051
Web
Gentlemen, Sometime of XX/XX/XXXX XXXX of Arizona posted an On-Line advertisement for a XX/XX/XXXX XXXX for {$22000.00} and went to the Dealer and Traded-In my XX/XX/XXXX XXXX for {$12.00} since, I needed a bigger size sedan. The Dealer optaine financing from the Nissan Motors Acceptance Corp. for XXXX % interest for me with XXXX months term.which included an Extended Warranty for {$2500.00} and {$1000.00} Gap Insurance. And I found out after driving home while reviewing the sale contract. The Dealer had charged the said car for {$26000.00} instead the {$22000.00} as what they advertised for the same car. I made a complaint with Arizona State Attorney Genera Office. The said Dealer had adjusted the said price and reduced the price of the GAP insurance to {$590.00} and cancelled the rest of the added option. However, The Nissan XXXX did n't adjust my monthly payment after the said adjustment. My Contract account number with Nissan XXXX is XXXX That started on XX/XX/XXXX and will end XX/XX/XXXX respectively. The original amount finance was {$35000.00} as I was upside down on my Trade-In. After the dealer returned and all those price adjustment and cancellation of all the add-ons. The Nissan XXXX failed to adjust the monthly payment term. I used to pay on my old car just {$310.00} a month. With my New Car Nissan XXXX. It cost me {$550.00} a month. I want them to restructure my car loan with them. For reasons I am a working XXXX. The {$550.00} monthly payments is blowing my budget. And might fall behind in my payment with them. I never missed a single payment with them. But, XXXX XXXX will affect my budget as time at work. I am appealing to your good office to intercede on my behalf. As I can foresee the bleak future ahead while balancing my financial obligation and the XXXX advancement for me and the future. I do hope the Nissan XXXX Dept. We give me their utmost consideration with all my undertaking. They are even rewarding XXXX with bonus rebates. All I am asking from them is to restructure my loan and payment. Even, Giving me a XXXX months term to lower my payment and achieves my goal and XXXX at the same time with a good standing with them and be a loyal customer hopefully if things turn out for the better in my situations. Thank You very much for your kind Understanding and Consideration and more power to Office and Staff members. Sincerely, XXXX XXXX XXXX, AZ XXXX
01/20/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32222
Web
In XXXX of XXXX, I was preapproved for financing with XXXX XXXX XXXX XXXX company. I used the XXXX XXXX to locate a new XXXX XXXX XXXX. I proceeded to the dealership to acquire the vehicle and printed out all paperwork provided by XXXX XXXX to purchase the car. While at the dealership, they kept asking to run my credit to see if I could get better financing. I respectfully declined advising them that I was closing on my house in a few days and I could not have any inquiries put onto my credit. The preapproval from XXXX XXXX XXXX XXXX did not put any inquiries there. While at the dealership doing my paperwork, I get a call from NMAC calling to verify my identity. ( I have fraud alerts and my credit file is frozen, and it was only unlocked so the mortgage companies could run my final credit check. ) I was informed that the call was being monitored and recorded. I asked why they were calling and I was advised my file was submitted for financing, I advised that I was not interested and I was already approved through XXXX XXXX and would be proceeding with them. I did ask out of interest, how much the interest rate was at which time I was advised 7.22 % which was the same as XXXX XXXX, so I again declined. I signed all of my paperwork, and on the financing contract is has XXXX XXXX printed and also the GAP contract has XXXX XXXX printed. Months go by and I am waiting to make my first payment to XXXX XXXX and I received nothing. I then received my statements from NMAC at which point I am confused in how my car was financed through them as I went through XXXX XXXX, or so I thought. I went ahead and started making payments to NMAC as I was advised at that point there was nothing I could do, the deal was funded already. In XXXX of XXXX, my car was totaled and this situation was again brought to the light. In the process of me acquiring all of my docs to submit to the insurance company, I see that this deal was done fraudently. On my contract that was obtained from NMAC, XXXX XXXX is scratched out, without my initials confiming changes and in handwriting NMAC was written in. I also obtained a copy of my GAP contract which they failed to update with NMAC and it still had XXXX XXXX information. The deal should never have been funded through NMAC and it shows on the contact where changes were made after my original signatures. I blame both the dealership and NMAC for this.
11/15/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Taking out the loan or lease
  • CA
  • 90631
Web
was offered to switch out of my current lease early to a new lease for a XXXX XXXX. after negotiations I have chosen to proceed with that. The dealership took over my previous car and gave me a new car per contract. The dealership was suppose to payoff my previous lease. In addition, there was a missing part, a home charger, which was missing from a new car. what was offered was to keep my existing charger and they would order a new one, or to just keep my old one for the duration of the new lease as it serves the same purposes and has no difference from the new to the old car. First, month and a half after the transaction, my wife started to receive collection calls from Nissan as the lease payment was not done. The callers were rude, unyielding and not understanding of the situation. After contacting the dealership, it turned out that they neglected to process the return and failed to notify Nissan of the transaction. It took numerous calls, horrific conversation until the dealership finally paid off their obligation and the calls stopped. Now, in later XXXX a new letter arrived which stated that the lease return had an outstanding balance, which was incorrect as the dealership was taking over everything and bought out the lease. after contacting the dealership and expressing this concern, I was assured that this was going to be taking cared off. The reason why there was a balance was due to the vehicle being returned off of lease with no charger. This again was a problem as I was never given one and again was told by the dealership as there was a missing charger, to keep the one I had before. Again, the dealership failed to notify Nissan of this issue. At the same time, I contacted Nissan and expressed my frustration with this issue and described the issue to them, during which time I also filed a complaint against a dealership. Now my wife is receiving harassing phone calls at work saying this issue with the balance has been sent to collections, being rude and completely unapologetic, not caring of the issue and threatening. This is completely wrong, this is fraud and negligent. The public needs to know the hazards that this presents in doing business with Nissan and this dealership. They should not be able to operate in this misrepresenting manner to deceive the public and then collude to through them into this spiral of collections and proving their right.
09/01/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Termination fees or other problem when ending the lease early
  • RI
  • 02865
Web Servicemember
It all started with emails. XX/XX/XXXX I asked XXXX XXXX from XXXX Nissan south if there are ever incentives to turn in a lease to then buy a used car. I told him right off the bat that I need to get either my payments, gas, or insurance cheaper because our dog with XXXX has increased our bills significantly. I went into XXXX Nissan XXXX on XX/XX/XXXX to discuss in person with XXXX about my options. I still had 4 lease payments due for my XXXX XXXX XXXX lease. I asked him about purchasing a used XXXX and he informed me that if I did that, the remaining lease payments would not be paid for the XXXX and that my best option is to lease a new XXXX. We went back on forth on price quite a bit, me having to constantly remind him of the whole reason Im turning the XXXX in early ( too much dog debt ). We finally agreed on a price and eventually I signed for the new lease and I thought that was it. I clearly asked XXXX if my XXXX is now all set and remaining payments waived. He said yes, 2 are waived by Nissan itself and 2 are being covered bu XXXX Nissan XXXX. A week or so later I received my {$700.00} check for 2 payments on my XXXX. Paid that and assumed its over. Fast forward to XXXX and when I go online to check out my excise ( property ) tax bill for last year I see there are still 2 remaining payments due on my account! And even worse, after 2 months, the XXXX had not even been grounded, making me responsible for it still!!!! I would have owed over {$21000.00} for a car that is no longer in my possession. The lady I spoke with at corporate was very concerned and suggested I IMMEDIATELY get XXXX Nissan XXXX to ground the Pathfinder and release my liability. The next day after speaking with XXXX via text I then received a copy of the grounding statement from the finance guy. XXXX had also told me that the XXXX will be all set and i wont be held accountable. Well thats great its grounded but he never took off the remaining 2 payments!! I NEVER would have turned in my lease early if I still would have owed payments. Someone coming into a car dealership nearly crying that the bills are too high and I need to lower them would never agree to {$700.00} extra. I was absolutely take advantage of, and feel like XXXX Nissan XXXX is giving me the runaround for something that should never have been a problem and should not have been my burden to bear in the first place.
02/22/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • CA
  • 91501
Web
Continuation of Complaint # XXXX You closed my complaint solely by relying on the documents Infiniti provided. That is wrong. I did not request copies of the documents I already possess. I filed a complaint because my decision not to have minor repairs on my vehicle at the time of lease return was a result of misinformation, wrong guidance, wrong advice I received at XXXX Infiniti dealership. Infiniti hires advisors to assist laymen like me at the end of the lease return, and their job is to give a consumer like me accurate information and advise of possible additional charges, if any. I took the time to take my car to XXXX Infiniti to avoid these charges. And I was advised that there would be no charges. I was misguided and misinformed and relied on that information. I trusted the dealership advisors, took his advice to return the vehicle as is. I am aware of all the documents Infiniti provided here. The issue is not the documents, the issue is XXXX Infiniti dealer advisors, where I took my car and they told me that there would be no additional charges, they inspected my car at the dealership and told me that. I am not crazy. I am not making this up. I don't have to. The problem is the Infiniti dealership giving me inaccurate and misleading information at the time of visual inspection. XXXX Infiniti misguided me and gave me wrong information and misdirection. If they did not tell me the vehicle was fine to return at the condition it was at that time, I would have paid then and had it fixed instead of returning it in the condition it was. By simply providing me with the copies of documents that I already have, Infiniti did not address my concern. I request explanation ; because of the misinformation I received from the advisor at XXXX Infiniti dealership, I relied on that information and returned my vehicle the way it was. I trusted the advisor. I request an explanation as to why the advisor working in XXXX Infiniti misled me, and gave me wrong advice and information as to the condition and possible additional charges at the end of lease return? Because of Infiniti advisor 's actions I incurred these charges. I know better than that to have some issues fixed to avoid such excessive charges. This is not a response to my inquiry and request. This is simply covering up an issue of Infiniti hiring wrong advisors and allowing them to XXXX people up.
06/07/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • TX
  • 75019
Web
I bought the car in XX/XX/XXXX, at that time I was employed as a XXXX making $ XXXX/yr. I lost that job inXX/XX/XXXX and was out of work for about 6 months. I asked Nissan several times to possibly lower my payment to accommodate my reduced income. They refused. They suggested a refinance, even while seeing how I 'd started to call behind in my payments. The next job I took on ( out of desperation ) started with a base pay of $ XXXX/year. Still, no help from Nissan. They deferred ONE payment a few times, even though agents have made comments on various calls as if a TWO payment deferment could have ever been an option.

I called NMAC onXX/XX/XXXX, spoke to XXXX. She confirmed the car was out for repo and the # of days/payments owed. She confirmed that I needed a minimum of {$580.00} for XX/XX/XXXX payment to put a hold of the repo. I asked her a few times if this one payment would hold the repo action, and she confirmed. She suggested to call back with a payment confirmation # before XXXX, so that they can guarantee contact with the repo vendor. After XXXX, they could no longer guarantee. I made arrangements to get the {$580.00} and paid it. I called back and spoke with XXXX ( or XXXX? ). She confirmed the same info, took my confirmation #, and left me on hold for apprx 6-7 minutes while she " documented this '' to the account. XXXX ( or XXXX ) confirmed that she 'd noted my account and put the hold through on the repo. We confirmed my next payment arrangement forXX/XX/XXXX payday forXX/XX/XXXX payment.

The morning ofXX/XX/XXXX, I was late for work because I did n't realize that Nissan came and got the car anyway. I called NMACXX/XX/XXXX apprx XXXX, and spoke with a supervisor in collections named XXXX . He said I needed to speak to Reinstatements, who would n't be in for another hour. XXXX confirmed that XXXX was correct in everything that she told me, however XXXX made it seem that neither collector should have provided assurance that the payment arrangement would suffice. I still have no clue as to where my vehicle is, why they did n't honor the hold, etc.

My complaint is that NMAC is ok with collectors using deceptive practices, answering direct questions from me as a consumer, with deliberate inaccurate information. They lied to get me to make a payment, knowing that they would still allow the vendor to repossess the car anyway.

06/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 90249
Web
I filed for Bankruptcy in XX/XX/XXXX. Nissan Motors Acceptance also known as Nissan-Infiniti LT ( account # XXXX ) was included in the bankruptcy. I currently have an auto loan and credit card with XXXX XXXX. XXXX XXXX provides a credit monitoring service ( XXXX XXXX ) to it's member. On XX/XX/XXXX, XXXX XXXX informed me that my credit score was XXXX. Early XX/XX/XXXX, I received an alert from XXXX XXXX informing me that my credit score had dropped by 11 points. I immediately purchased membership to XXXX ( $ XXXX/mo ), XXXX ( $ XXXX/mo ) and XXXX ( $ XXXX/mo ) in order to investigate and dispute the matter. I found that Nissan Motors Acceptance also known as Nissan-Infiniti LT ( account # XXXX ) had reported payment status to all three credit bureaus which caused my credit score to plunge. I filed a dispute with all three credit bureaus. The results came back the same, Nissan Motors Acceptance also known as Nissan-Infiniti LT ( account # XXXX ) confirmed that this account was part of the bankruptcy and that they should not be reporting on this account. However, to date ( XX/XX/XXXX ), my credit score still has not recovered. XXXX at the time Nissan/Infiniti reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. XXXX at the time Nissan/Infiniti reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. XXXX at the time Nissan/Infiniti reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. Today, as I prepared my evidence to upload, I noticed that the last date that Nissan/Infiniti reported to XXXX was XX/XX/XXXX. Nissan/Infiniti is still reporting and ruining my life. The current XXXX report does not reveal the last date reported. XXXX XXXX website is having technical difficulties so I was unable to retrieve a current report. My credit is damaged. I can't apply for many of the credit card offers that I have received since XX/XX/XXXX. I would like to change my residence. I would like to rent a single family home, but I would not qualify for the rental of a house, in an area of my liking, with this damaged credit. I dont know where to begin to attempt to figure out how high my credit score would be if Nissan/Infiniti had not committed this error. All I know is the Nissan/Infiniti has caused me and my credit status grave damages and this must be rectified immediately if not sooner.
09/30/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • PA
  • 19522
Web
On XX/XX/2017 we received a end of lease statement stating remaining balance of XXXX. The statement says we owe XXXX for unsatisfied contract obligation plus tax of XXXX. Excessive wear and use XXXX plus tax of XXXX. Disposition fee of XXXX plus tax of XXXX. I called Nissan Motor Acceptance and asked them to explain the statement. XXXX explained and was very nice.I agreed to pay the unsatisfied contract obligation total of XXXX and the disposition fee total of XXXXThat totaled XXXX. I told her I would not be paying for the Excess wear and use total of XXXX cause there was no broken bumper when we dropped it off. When we dropped it off I asked for Inspection and was told that would n't be a problem everything looked great. We also took upon ourselves to check it over and was like brand new. We even got the car cleaned inside and out just cause we thought that would be the right thing to do.When I told XXXX I was n't going to pay it she said she would lower the price to XXXX. I that I would pay the for everything else except the wear cause we both knew they were trying to scam us. I received a follow up statement on the XX/XX/XXXX and they lowered the excessive wear to XXXX. I called again and spoke to XXXX and told her that I would n't be paying that part of bill. She said If we do n't pay it they will put in collections. On XX/XX/XXXX I received another statement for XXXX the balance of unpaid. I payed for everything else at this point. I then called and asked for a Vehicle condition report and proof of broken bumper that was never broken nor never was by us.I received one on XX/XX/2017. I stated that the car had scratched paint, cracked windshield, dents, chips etc etc.No bumper was listed at all. It then stated we turned in a XXXX XXXX XXXX XXXX, but we leased a XXXX XXXX XXXX car? We called again and they claimed the inspected the car on XX/XX/XXXX which would be 2 weeks after we returned the car onXX/XX/XXXX? It also had the amount of XXXX we owed for the bumper that was n't broken. Like I said I payed everything that was owed to them but now the put me in collections for XXXX and wasted my valuable time let alone endless headaches. I have exceptional credit and do n't need it to be bruised by any false information because of a company that messed up in so many ways. Please let me know what further action should i take with this
07/23/2020 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • CA
  • 91331
Web
My name is XXXX XXXX I am quite upset with the way Nissan Finance runs their arrangements. I am XXXX XXXX my XXXX has been struggling since XX/XX/XXXX I was picking up a little then once the stay at home order was issued my XXXX went down the drain XX/XX/XXXX. my account is due for XXXX for {$460.00} I contact Nissan explain my situation and I get helped with 3 months ( XXXX, XXXX, and XXXX ) XXXX comes around I get told I no longer qualify for assistance so I borrow money and cover a full payment. XXXX comes around another shutdown of places take place unemployment has also failed me since I have not heard any news from them and im still on ID VERIFICATION since I applied for PUA which is for XXXX XXXX people ... it has been confirmed I spoke to a supervisor via chat XX/XX/XXXX she told me I dont qualify for anymore assistance until XX/XX/XXXX I said fine is there any other way to work around it she helps me out and says can you at least cover {$230.00} I said I will do everything in my power to do so as I do not want a late fee on my account. mind you my paymetn is due XX/XX/XXXX so Im still within my 10 day grace period ... I contact Nissan again XX/XX/XXXX I let them know I was only able to cover {$150.00} but would cover remaining balance of {$88.00} by the next day said ok and he said once that payment posted it will show like the next month is due and I can call in and inquire about payment due date change ... .so today XX/XX/XXXX still within my grace period i get 4 calls from Nissan Motor Acceptance so I contact them via chat to keep my trasncrips and they said that arrangement is not valid and they just provided wrong information, I said wow so you guys just get to make arrangements and later say its not valid and customer servcie rep all she could say is " I dont see this going anywhere so I will let you go '' and I said well now you just get to shake it off say the arrangements was incorrect meanwhile Im here stressing to keep a good credit record + avoid late fees. and I did a couple of car washesd in my neighborhood to obtain this {$230.00} just to get told this. I do have all trasncripts and calls from Nissan Motor Acceptance harrassing me. and this is not the first time I get into arrangements then they just say " well the previous rep gave you wrong information so now im giving you correct information ''
10/02/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • TX
  • 75078
Web
End of lease return for XXXX XXXX was due XX/XX/XXXX around XX/XX/XXXX, I noticed online terms said 3 year XXXX mile, but the contract we signed and executed said XXXX miles. I contacted XXXX immediately ( via chat ), and they said I would have to discuss with dealership. XX/XX/XXXX, we returned the car to the dealership ( XXXX XXXX ) and they said they would look into it. XX/XX/XXXX XXXX XXXX from XXXX XXXX said I needed to submit the final liability statement to him and that he had received approval from XXXX to credit us for half the over mileage fee ( car had XXXX miles ). XX/XX/XXXX I responded stating that half did not make sense to me. I signed a XXXX lease agreement, why should I pay for mileage I didn't agree to. This was for my daughter while in college ( 5.5 hours a way ) and we knew she would need more than XXXX miles. In fact, we bought an all-inclusive warranty product through XXXX that went through XXXX miles. XX/XX/XXXX XXXX responded with documents from the point of sale ( typical car dealership notes on paper ) saying XXXX was agreed upon. I had already discussed with him in person that we discussed both options in the initial sales discussions. He could not produce an executed contract that showed XXXX miles. Around XX/XX/XXXX, I received a call from the original salesperson asking what I intended to do with the car. Now I am really confused ... I emailed XXXX and the general manager asking what was going on again? I followed up two more times ( XXXX and XXXX ) wanting to know what was going on? I started receiving collection calls from XXXX finance. XXXX, XXXX XXXX, the general manager responded to my email saying the lease was returned and grounded and any remainder in balance would be sent to me by XXXX XXXX. XX/XX/XXXX, I received my final liability statement. It now includes the entire mileage overage charge of {$1300.00} ( XXXX miles ) and is due on XXXX. I am being charged for mileage I paid for through the lease contract. In addition, the process of " turning the car in '' was unclear, not efficient, and took way too long. I feel as though turning the car in is a bad thing and they want to use the initial contract to force me into another XXXX product. That was the very first question I was asked when I told them about my contract issue. It seems very deceptive and unfair for the consumer.
01/08/2021 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 14075
Web
87th REQUEST re : account # XXXX XXXX XXXX and XXXX # XXXX emailed to XXXX, XXXX, XXXX, XXXX Good morning XXXX XXXX XXXX : This replies to your XX/XX/XXXX, XXXX XXXX attached email ( Nissan Owner Services, Nissan North America , One Nissan Way , XXXX, TN XXXX, ref : XXXX : ref ). Please immediately return email all duly executed legal documents Nissan used to create my ( fraudulent ) lease obligation. Furthermore : After my 18th email request for a copy of all duly executed legal documents Nissan finally emailed Fri, XX/XX/XXXX, XXXX XXXX, XXXX and later Mon, XX/XX/XXXX, XXXX XXXX : Dear XXXX, Thank you for contacting Nissan. To discuss your Nissan Motor Acceptance Corporation account, please contact an NMAC Representative Nissan refused to email requested duly executed legal documents creating the alleged lease obligation. Additionally, XXXX XXXX XXXX emailed : Fri, XX/XX/XXXX, XXXX Case # XXXX, Tue XX/XX/XXXX case # XXXX @ XXXX, # XXXX @ XXXX and Case # XXXX XXXX, XXXX, XXXX : Dear XXXX XXXX, Thank you for contacting Nissan regarding the finance questions you haveplease contact Nissan Motor Acceptance Corporationso they can address all of your questions related to your private financial information. Again Nissan refused to email requested duly executed legal documents creating the alleged lease obligation. Please immediately email XXXX all legal agreement ( s ) you manufactured to establish your falsely alleged, account # XXXX XXXX XXXX, lease obligation. XXXX on XX/XX/XXXX credit report # XXXX, having not emailed the above Nissan legal agreement ( s ) you expanded your supporting corruption with this false statement : " ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. '' I never made this statement as falsely alleged by XXXX. XXXX you further obstructed with this statement " if you believe this information appears on your Credit Report as a result of identity theft ... Report # XXXX ''. XXXX and XXXX, please be advised of pending damages resulting from your XX/XX/XXXX false credit reports to XXXX XXXX XXXX XXXX. Respectfully :
02/07/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • TN
  • 37756
Web
NMAC financed an auto-loan XXXX XXXX, 2015. While signing, the dealership switched cars ( " switcheroo '' ) giving us a similar looking vehicle lower value. The Federal Price Label ( " sticker '' ) of the the car we test drove was {$20000.00}. The sticker of the car delivered is {$17000.00}, leaving a disparity of {$2900.00}. I am in communication NMAC in an effort to recover the difference from the dealership, who has admitted to " overcharging '' {$1200.00} but refuses to refund any money until I sign a waiver not to sue. The loan was financed at 12.14 %, which is higher than the 5 % promised with our {$2500.00} down-payment. NMAC informed me that I could have negotiated on that interest rate and that dealerships add to the rate for a " kickback. '' At this point I am seeking to discover the nature the loan application as the dealership used personal identities, i.e. ; name, social security number, date of birth, etc. to intentionally misrepresent the amount of the loan. I am in the process of refinancing the car with my credit union with an offer to borrow {$15000.00} ( XXXX % loan-to-value ) at 5.4 % ( $ XXXX/mo. vs. $ XXXX/mo. ) The pay-off amount of the car is {$17000.00} leaving a difference of {$2400.00} ( down-payment amount of which dealership is holding {$1200.00} ) which I have to secure personal loan to finalize. I cancelled the addendum Ext. Warranty and GAP insurance policies ( of which the dealership never submitted the contracts to third-party providers ) in an effort to lower the principal for refinance. NMAC declined to share any responsibility as they dictate dealership policy even though when a felonious act is reported and they are collecting interest on the " unlawful '' debt, they to are benefiting. I am currently drafting a letter to request the specific details surrounding the submission of my ( and my wife 's ) personal information upon which approval was granted. All of this effort ( filing complaints ) is my arbitration process as my family is on a strict budget and at this rate can not sustain any over-age, especially that which is created by a abusive predatory loan. I was an unsophisticated buyer who acted in good-faith ( {$2500.00} down-payment ) who purchased a bad-faith " pig in a polk. '' That is to say that I have to take every avenue before consulting an attorney at upward $ XXXX/hr.
10/18/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • CA
  • 92604
Web
It was my first leased vehicle and at that time we were starting a new family. We went to XXXX XXXX XXXX to get an XXXX in XX/XX/XXXX. The sales person showed us that leasing would be a great option for us and that he too leases then gives his car to XXXX to make some money off before lease term. They advertised and agreed to 36 months lease. After going back and forth with the mileage option, they reprinted the agreement with more mileage but changed the term of lease to 38 months. We did not notice the change that was made and we were under the impression that it was still 36 months as discussed. During the time of COVID around XXXX or XX/XX/XXXX, when situation got rough, we called to see if they can take the car back and help us out. It is then we were told that our lease term is 38 months. We looked at the agreement and saw it was 38 months. We reached out to the financial company and they told us to go to the dealership. We went to the dealership and they told us that this would be something XXXX financial would be able to fix. The dealership tried to get us into another car, which we declined. Now that we are coming close to 36 months, we get a registration letter from XXXX saying that renewal is due XX/XX/XXXX. The registration amount is close to what we pay for 1 month of payment. We called the financial service and spoke to the manager and they said there is nothing they can do. We are not stuck either taking a loss on either the DMV fee or handing the vehicle early with payment for 38 month term. I felt like we were scammed and no one was able to help us. I would never do business with XXXX again nor would I recommend anyone to shop at XXXX XXXX XXXX. We felt deceived, especially because the sales and the finance department of that dealership were the same cultural background as us and they used that to their advantage by tricking us with various documents. We found this dealership to be shady as all the people that worked their were moved or no longer working there. Which reminded me that the elder white gentleman was upset and there was high tension going on, we went back 1 week later to pick up the mats for the car and that gentleman was no longer working there. Something just didn't seem right at that dealership. I hope they would take this complaint into consideration and make things right.
12/29/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Problem with signing the paperwork
  • NC
  • 27613
Web
I have made several attempt to resolve a complaint with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX NC regarding a Forged contract. I retrieved a copy of the contract from Nissan Motor Acceptance Customer Service. I ask for it because there was a discrepancy in dates from what the rep was showing and what my original contract was showing. I then asked the rep to me me a copy of what she has. I received a document that I never seen before with my " forged '' signature which appeared to be signed by XXXX XXXX ( Finance Manager ) whom I completed my paperwork with on XX/XX/XXXX. I received the lease vehicle and copy of my contract on XX/XX/XXXX. This newly created contract has a purchase date of XX/XX/XXXX which is indeed incorrect. I NEVER returned to complete any additional paperwork and the signature on the contracted date XX/XX/XXXX Is certainly not mines ( This can be compared to the original documents with " my '' personal signature ). Further more I brought this to the attention of the General Manager XXXX XXXX whom I had a conversation with. He tried to steer me away by advising me to file complaint against the x employee ( XXXX XXXX ) However I reminded XXXX XXXX that the employee represented the company ( Nissan ) at the time and technically because this is a forged contract should be viewed as a VOIDED contract. XXXX XXXX states he would call me back on XX/XX/XXXX with some possible solutions. To date I have received no return call. I have also reached out on numerous occasion after the forth only to be hung up on by XXXX XXXX ( General Sal Manager ) whom I have also spoken with regarding this matter. My calls are currently being ignored. This is poor & unprofessional business behavior. In addition to calling I have even gone to the location only to be told the managers are in a meeting. I have since recently filed a complaint with the Attorney Generals office regarding this matter. This has been very stressful to deal with and has caused a negative impact on my health. I do not intend to or will ever purchase another Nissan vehicle. ( This is my 3rd ) and quite frankly I have had poor experiences each time with them all. So the sooner I can terminate my relationship with Nissan the better I will feel and happier I will be. I do plan to seek legal representation if an agreement can not be reached.
08/19/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • NC
  • 27810
Web
Purchased a used XXXX XXXX from nissan of XXXX on XX/XX/2021 ... was told my payments were going to be around XXXX then was told to see a guy named XXXX to finalize the paper work ... XXXX begin offering me additional services the extended warranty..my main concern which i expressed to XXXX was will my payments go back to the original quote if i could no longer afford the extended warranty and he said yes absolutely ... so i took the extended warranty but the next day i called to cancel it.. XXXX said he had not put the information in the system but it will take 30 days to cancel.. i said if its not in the system then just dont put it in he said he had to in order to cancel it..so for 3 weeks i was given the run around to cancel the extended warranty..was being told XXXX was not in dont know when he would be in, that he was theg only one who can cancel it ... being sent directly to his voice mail or wrong person ... so i started showing up in person and was being told Noone was available to do it until the 3rd time i went in and said im not leaving and i will make a scene ... so they got one of there salesman to cancel it ... so i then was asking the guy about my payments going back go its original quote he stated that once i cancel the payments stay the same i told him thats not what XXXX XXXX told me .... i then reached out to the general manger who tried to sell me a up grad or to return my car he also said he would redue the the paperwork go honor what XXXX had yold me but he needed to pull my credit to do XXXX question pulling my credit if its just paperwork to later find out he was trying to refinance me ... i said you pulled my credit about 10 times already my credit score has been hit enough and its not the same as before so you cant pull it ... i to the invitation to come out and look snd the upgraded car from the general manager so that i can talk with him face to face but when i got there XXXX XXXX me XXXX XXXX the general manager was busy but he would be assisting me ... he showed me the car i said no and drove off ... 3 minutes late the general manager XXXX XXXX called me and asked why didn't i take the upgraded car ... I said you guys are full of it and hung up ... i also called Nissan finance and spoke with them and they said they dont have anything to do with it its up to the dealership ...
06/01/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • MD
  • 20852
Web
Hello, Infiniti financial is one of the most chaotic and most unprofessional financial services company Ive ever did business with. Unfair business practices and no regards for the customer. I had applied for Covid-19 program for assistance in XXXX. It was approved rather quick and back then everything was fine. They never fully and clearly communicated to me that to apply for an extension there is a 30 day waiting period. This means that when I applied I was technically already delinquent in their system. Multiple rounds of calls and I find out the extension wasnt even filled to begin with. Now Im 40 something days past due in their system. Not because I dont want to pay but because they messed up and they will not stop the clock on me. They keep it running. XX/XX/XXXX I finally get confirmation its filled but needs to wait 30 days. By this time Im already 30 days past due. Meaning by the time they apply anything ( if they do ) Ill be 60 days or more past due. Escalated to management who still have no empathy or compassion for their customers. Super hard to get a hold of them. And they resolve nothing. They wont call you back and when you try to call them back or course they are never available. So where does this leave me. In a space where Ive fallen behind and cant ever catch up because they will not help and continue to fully enforce policy 1000 % strong. I did everything required of me. I agreed to terms and conditions I asked for it and they messed up and kept lying to my face saying its filled when it wasnt. I filled out a second agreement. I was harassed multiple times by them and for what? Asking for assistance? So now I have a state consumer protection compliant against them. I have a XXXX compliant against them. Im filing this compliant against them and will keep pushing relentlessly back at them for unfair hostile treatment of a consumer just looking for help. They do not honor their assistance programs. And they pull fast trickery over your eyes to make sure they put you in the worst place possible. This is unprofessional unethical and could very well be illegal. If it gets to the points these complaints go unanswered I will file a law suit as my last resort. And I wont stop until Infiniti financial stops these XXXX business practices and actually help their customers.
11/14/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • TX
  • 77251
Web
On XX/XX/2019 approximately XXXX XXXX I went into the dealership to assist a family member with co-signing for an auto loan. both myself and my relative had given them proof of income, driver license and other personal information. My relative didn't qualify to be on the loan due to credit challenges. The salesman then stated that I would be the sole owner and there was contract drafted I signed and we left the dealership with documents and the vehicle. On Monday, XX/XX/2019 the same salesman called me and stated that the deal didn't go through as expected and we would have to pay {$1000.00}. I was on the road returning home ( I live out of state ). I informed the salesman that I was no longer in town, my relative would have to return the vehicle to the dealership. I also asked why was a contract signed if we didn't have an approval? He then stated because the bank give the dealership a greenlight without a complete approval. More Importantly, sometime in XXXX of XX/XX/2019I receive an acceptance letter from Nissan Motor Corporation detailing the monthly amount and when the next payment would be due. I called the dealership to find out what was going on and no one returned my call. XXXX I then drove back out of state to talk to speak with the general manager and explained that somehow the salesman/dealership allowed my relative to sign another contract without my presence/knowledge. XX/XX/2019 The GM informed me that he will correct the situation and have the vehicle taken out of my name and into my relatives name. I never heard back from him, issue was never resolved and I called several times. I also called Nissan customer service number for them to mail a copy of the contract. The monthly amount is {$500.00} for 72 months. I have many dates/times of outgoing calls to both XXXX dealership/Nissan finance. I have also driven back and forth since XXXX until now ... I don't know what to do at this point, I'm exhausted. I called both the dealership and Nissan motor/finance numerous times spoken with several different representatives letting them know of the situation concerning this unauthorized sell, they gave me Nissan Motor Corporation Consumer number. I sent the consumer dept. a letter. No one has contacted me as of yet. this has been so stressful. May someone please give me some advice?
10/09/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • MA
  • 02124
Web
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
08/18/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • NV
  • 89121
Web
My name is XXXX XXXX. In XXXX XXXX, I went to XXXX XXXX in XXXX XXXX to obtain a vehicle. Everything was going great. I was told that financing was obtained and everythng was a go! So a little more than 2 weeks later, I had recieved a call from the sales professional who had delivered the car to me regarding that they had to unwind the deal due to financing was not obtained. I then at that time expressed that it was over the 10 business day time frame and that per Federal Regulations, financing had to be obtaned and I did not have to return the vehicle. Then I thought about it and I did not want the drama in my life. At the time I was in California visiting my family. When I returned back to Vegas, I went to the dealership the next day and returned the vehicle. I returned the vehicle in the same condition I drove it off in. When it came time to discuss returning my down payment, a bald gentleman stated that since they had to provide insurace, I had to pay XXXX. I tried to dispute the claim but in the end, U was returned XXXX approx. So I went home and did my research and found out that they were comitting auto fraud. I had been trying for almost 2 yrs to get my XXXX back. I have been very unsuccessful in doing this. The sales men at XXXX XXXX have verbally expressed to me that they dont owe me anything due to the fact that I signed a contract. I have tried to explain to them that the Federal rules and regulations superseed the contract that was signed. I had been going throught this for almost 2 yrs now. Today XX/XX/XXXX, I have been here at XXXX XXXX since XXXX this morning, watching them do spot deliverys all day and comitting fraud like its not illegal. I have been yo-yo 'd around all day. The XXXX told me that he would pay me my XXXX today. Well here it is XXXX XXXX and I still an sitting here waiting for him to pay me and still i have nothing. I am so in need of your help. I am a single mother and grandmother and can not afford to loose this money. It seems like they are doing nothing but stringing me along and hoping that I will give up. Well they are in for a huge fight, I have read and studied the Federal rules and regulations regarding this type of situation. I know in my hearts of hearts that I am 100 % within my rights and that my rights are being violated by XXXX XXXX.
12/30/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • TX
  • 75007
Web
I received an auto loan with Nissan motor Acceptance in XXXX and the vehicle was repossessed in XXXX. I had submitted a payment for the full amount that was past due a few days before the incident using a payment service named XXXX. In the state of Texas you arent supposed to be charge a fee for making an auto payment however they charged me almost {$10.00} for each payment via phone payment with NMAC. The easiest and cheapest way was just to pay through XXXX, however there was a 2 day lag. Nissan received the payment and it was posted to the account. The following day they repossessed my vehicle. I had thought it was stolen since I had paid via XXXX XXXX. Getting someone at Nissan to investigate was like pulling teeth. Finally I had an manager literally tell me that it is " NOT THEIR JOB TO LOOK AT ACCOUNTS DAILY. '' I now work in the auto servicing arena and know that if I was current at the date the repossession was done they have to return the unit. I requested a copy of all the transactions via email and they stated that it would take at least 3wks to get and my car would have been sold at auction by then. This letter was called a 901 letter which would have probably been automatically generated. I then tried to get my stuff from the car and they stated I would have to pay a fee. I have pearl earrings, pearl necklace, my passport, ( which is federal property ) leather boots, and other valuables. XXXX XXXX XXXX XXXX was the place where I tried to schedule an appointment but I would have to pay storage fees and a pick up item fee in order to get my stuff. My dad finally decided to get my car. By this time it had been moved to the auction. I was unaware they had moved it there or taken my stuff. We finally redeemed the vehicle. As soon as I found out that my stuff was no longer in the car I called XXXX XXXX XXXX XXXX and they said my stuff had already been disposed of. We paid over XXXX to get the car and they never gave me my stuff back. On top off all this for years they carried a XXXX dollar balance reporting that I never paid them in full which damaged my credit. I knew what they did was wrong and illegal! I read the class action lawsuit that was made in XXXX! I could not believe it was verbatim what I went through with Nissan and at the same time. SHAME ON YOU NISSAN!
05/01/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Credit denial
  • PA
  • 19147
Web
On XX/XX/2019, at approximately XXXX XXXX. my husband and I went to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, NJ XXXX to shop for a new vehicle ( XXXX XXXX ) as our lease is ending on our current vehicle ( an XXXX XXXX ). There we were met by XXXX XXXX ( Product Specialist ) and test drove the new vehicle. After deciding to move forward with a new lease, XXXX stepped away to meet with his sales manager, XXXX XXXX. Upon returning, XXXX provided us a monthly payment amount. When we were dissatisfied with the amount XXXX told us that this car wasn't for us because we couldn't afford the payments. Never once did they pull our credit or confirm our income. My husband and I are two highly compensated professionals. At this point, XXXX left and met with XXXX once more. When XXXX returned, XXXX accompanied him. When we met XXXX, he made a comment to us about the way we were dressed and asked if we called one another prior to coordinate. This rude comment was uncalled for, XXXX, and completely out of line and sync with reality. XXXX walked us through the pricing when I told him I had a better deal at another XXXX dealership. He asked to see my personal email from the other dealer. When I refused to show him he stated that it could not have been right - insinuating we were liars. At this point, we had enough and left. Approximately 15-20 minutes later XXXX called and continued to try and discuss lease terms. Later that afternoon, we made a complaint through Infiniti 's corporate site and with XXXX XXXX. To exacerbate the situation we reviewed customer comments from others on XXXX and social media - we were shocked that this company has also treated others this way. More so, the others that were treated this way all had ethnic names such as myself. Then on Monday, XX/XX/XXXX at approximately XXXX XXXX XXXX XXXX, the general manager, called to discuss what happened. After some discussion I asked him what he planned to do to ease this situation, he said : " I don't think we should do business together. '' After hearing this comment from him, I could no longer engage in hearing someone spew such hatred commentary. This company should be held responsible for such behavior - to assume anyone, regardless of race, gender, or sexual orientation can not afford a car is deplorable.
05/02/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • AZ
  • 85260
Web
I went to XXXX XXXX on XXXX XXXX and traded in my XXXX Nissan Sentra for a XXXX Nissan Rogue. I informed the sales associate and finance department that my payment was due that day and I did not want to be late, incur any fees or risk being taken to collections. I have always paid my account on time and more than the minimum payment. My XXXX Nissan Sentra was financed through their own financing, NMAC. They recommended me to call NMAC and let them know that I had traded my car in and that the pay-off should be coming shortly. I did as instructed and left that day with my XXXX Rogue. I had to come back to the finance department of XXXX XXXX on XXXX XXXX to re-sign the loan documents since I had financed through NMAC again. That same day I brought it to the attention of the finance associate that my car was still not paid off and going on seven days late. They informed me the payment was going to be sent out that day since I was signing the new loan documents that day. Multiple calls/texts had been exchanged prior to the vehicle going 30 days late. However, no one would take ownership and/or follow up with me. Fast forward to XXXX XXXX, not only did I receive a notice that NMAC ran my credit through XXXX XXXX, incurring an additional and un-necessary credit inquiry, but I received XXXX notices stating that XXXX XXXX had in fact failed to payoff my vehicle within thirty days of my original payment date, resulting with my credit score dropping over XXXX XXXX points. I sent an e-mail to XXXX XXXX, the GM of XXXX XXXX, on XXXX XXXX to inform him of my experience. In the e-mail I had requested that he take the necessary steps to address this experience and correct my delinquency on all XXXX of my credit reports. This has taken me well over a year to have finally removed the delinquency and to try and repair my credit score. I never heard back from XXXX XXXX and my credit was never fixed so I moved forward. I filed a claim with the XXXX. The response from XXXX XXXX was that it was my responsibility to follow up with the dealership to ensure the payoff was sent. After sending back a detailed verbatim response, XXXX XXXX had no further comment or feedback. Either XXXX XXXX or the XXXX closed the case and listed my complaint as answered but unresolved/unsatisfactory.
01/08/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • FL
  • 33467
Web Older American
XX/XX/2017, contacted by XXXX to turn my vehicle in before end of lease. Went to XXXX dealership and decided we preferred a XXXX instead. The dealer, XXXX XXXX XXXX, has several dealerships, one of which is a XXXX dealership, and the XXXX salesman referred us over to XXXX in XXXX. They did confirm before we left that our vehicle was worth its value for trade. Same day, we went to XXXX dealership, found a XXXX, and negotiated the trade-in of our XXXX for the XXXX. Less than a month later, we received a notice of repossession for non-payment on the XXXX. When I called XXXX XXXX, they told me to disregard the notice. We also called the dealership, and they apologized, saying that delays were causing this, and actually offered me money to make up for the aggravation ( never received any money, by the way ) ... After calling both the financing company and dealership, I wrote to both of them. No response. I then found a charge-off on my credit report for more than {$4000.00}. Wrote again and requested it be removed. No response. After a year of writing and trying to resolve, I reached out again to the dealership. They provided a cancelled check made out to Nissan-XXXX. I called Nissan-XXXX, and they advised that the check was only a portion of the payoff. After several calls back and forth, XXXX suggested the dealership call them directly. During our most recent call with XXXX, they advised that they never received a request for a payoff from the dealership. I know they called, because I was at the salesman 's desk when he made the call on speaker phone. From the day we went to XXXX XXXX XXXX, a lot of things were fouled up. The salesman was very nice, but we sat there all day and, right before closing time, they had me sign docs, told me they would finalize everything and get my down payment when the car came in. Did not provide me with a copy of my closing package, took a week to get the car ( we had to call THEM to find out what was going on ). My new lease payment statement didn't arrive until AFTER the due date for the payment, had to hurry and call and clear that up. There was a major delay in processing the paperwork on the new lease. I know we are not at fault here and just don't know what to do at this point. Feeling very manipulated. : (
06/08/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Denied request to lower payments
  • NJ
  • 08867
Web
I'm in an auto lease that I haven't been able to afford for some time.. Shortly after I received this lease it was clear that the sales person lied about the cost. I'm intimidated with sales guys and numbers and wasn't explained anything and was just asked to sign digitally and never got a print out of the credit application. I recently have been getting assistance from a charity and they discovered the credit application was completely fraudulent. They listed my salary at XXXX when it is more like XXXX, they list me as a XXXX, i'm not, i'm a XXXX. No one at my work ever got a call from the bank to verify anything. I asked my employer. No one ever verified anything at the bank/lender office and now I have made every effort to turn the car in and I'm being asked to pay XXXX. I don't have that kind of money and don't know how they can take advantage of people like this. I never missed a payment and have spent all of my savings over the past 2 years to keep my credit from being hurt. I have requested to turn the car in and have remaining payments waived along with any milage overages. They denied me ( last month ). I also requested a lower payment so I could manage it. they denied me again ( 20 days ago ). Sadly I have spent all of my savings and have finally got out on my own after suffering abuse by my partner and simply need this car to be resolved so I can provide a better life for me and my son. The current lease payment is XXXX and the insurance is XXXX. ( I was told the payment was XXXX total including insurance - that was a lie ). We have reached out to XXXX ( XXXX XXXX XXXX ) and the dealerships to assist and no one will do anything even though we have proved the application was fraudulently filled out. First call to XXXX was on XX/XX/XXXX, Followed up with Manager XXXX XXXX several times, no response. Spoke to his manager on XX/XX/XXXX and he advised they couldn't help and its the dealerships responsibility to get accurate DTI ( debt to income ) Spoke to the Dealership on XX/XX/XXXX - spoke to GM XXXX, he advised its the lenders job to verify and qualify any borrower they submit. I have 12 payments remaining XXXX totaling XXXX and am 12k mile over for XXXX in penalty ( i had someone help me with this ) {$7900.00} in fees hey want me to pay.
01/21/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MS
  • 39170
Web
In XXXX XXXX, my XXXX XXXX XXXX was totaled and deemed a total loss due to electrical problems. When financing, I purchased GAP insurance and an extended warranty. The GAP insurance was through a company named XXXX. It took me awhile to collect all of the documents but it was filed within the 90 days and the claim was processed. The next step was to file a cancellation on the extended warranty and that was handled by a company named XXXX. As soon as I received notice that my GAP claim had been processed, I filed a notice of cancellation that would cover the remaining balance, which was {$690.00}. I knew I needed to handle the payoff but at the end of XXXX, I placed a call to XXXX, which is on their record inquiring whether or not I needed to cover the remaining balance or wait until they received the warranty cancellation refund. I was instructed to not worry about the balance, that it would take longer for them to issue the refund check if I went ahead and paid it off. Three days later, they charged off my account causing my credit score to plummet. I immediately called back and spoke to another representative who told me that they would reverse the charge off once they received the refund check, as well as apologizing that I was n't notified of the charge off during my previous conversation. A week later, I still had not received notice of the refund check and called XXXX, the cancellation company. I spoke with a manager and she apologized for the delay and she would overnight the check, this was XXXX/XXXX/XXXX. I received the overnight notice XXXX/XXXX/XXXX. I called XXXX again to make sure the refund was received and it had been posted XXXX/XXXX/XXXX. I was instructed that the charge off would be deleted and I would be receiving a refund of {$670.00}, twenty one days after the check posted. That would have been XXXX/XXXX/XXXX. It is now XXXX/XXXX/XXXX and my account has n't been adjusted nor have I received my refund check. I understand that it takes time to issue checks but the fact that my credit has not been adjusted is unacceptable. Before my car was totaled, I always paid on time and remained in good standing with the company. The lack of information and misguidance on the part of their representatives is disappointing.
09/24/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • SC
  • 29061
Web
I am currently disputing a debt with Nissan Motor Acceptance Corporation because the have violated my contract in the Truth in Lending Act. While disputing it I saw that they have violated the FDCPA as well due to me a having a cease and desist against them ( USC 15 1692c ( c ) ) meaning ceasing communication ; if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ; ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. This was not the case with Nissan they did not give me any remedy and they continued to send me statements saying that I owe a debt after they received the cease and desist and not only did they send me statements they reported late payments on my consumer report which a violation of the FDCPA. I have called them about about this matter and all they did was put me on hold and transferred me to different managers and the last one told me that her manager was in a meeting and to leave a voice message and he still hasn't returned my call. This is shameful that I have to go through this in order to get this company to follow federal law. I am also demanding my payments that have paid on this alleged debt be sent back to me according to ( 15 USC 1692h ) If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. I demand that Nissan start abiding by the law take of of this matter so I will not receive further injury.
10/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CT
  • 06035
Web
Nissan Motor Acceptance is incorrectly reporting to credit bureau my car loan information. My original balance information I purchased car for in the amount of {$23000.00} with monthly payments due {$330.00}. NAMC also reporting inaccurate information that my account is in deferred status on ongoing basis, regardless the fact that monthly payments were made in XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. When I file request for correction their response is totally irrelevant and instead they are writing response regarding lifetime loan history ( which is irrelevant from my current issue ) but avoiding answer to actual issue which is current payment history from XXXX till XX/XX/XXXX and not being in ongoing deferred status. NAMC had option before when there is beyond control circumstances to take advantage of extension where payment is moved to the end of the loan and I have taken this option while struggled either with natural disaster in XXXX and/or medical illness, they always reported those extensions as current to credit agencies, there was not an issue then at all. As of result of COVID 19 and many Government agencies were under lockdown and my employment experienced hardship, NAMC offered extension for my account for the month of XXXX and XX/XX/XXXX. I did appreciated this help and my account was brought to current status in XX/XX/XXXX and I resumed payments as of XX/XX/XXXX paying out of my packet. In their letter to XXXX is confirmed that those payments were made on time, whatever they failed and continue to report correctly to credit agency XXXX as requested and required according to FCRA act. This is causing me hardship with not only for me to move forward with my contracts but also to obtain any credit ( especially auto loan ). I am trying to rebuild my credit also and its crucial that my account is reported accurately. I request that NAMC report original loan amount of {$23000.00} with monthly payments of {$330.00} with current balance of {$6400.00} as well report current payments from XXXX till XX/XX/XXXX and remove Deferred status as this is not accurate. This is really causing me emotional and financial distress. I am hoping that this time someone will look at this issue and help me resolve it once for all.
01/25/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33055
Web
This complain concerns that XXXX has reported a failed to pay status on my credit report in reference to my previous lease ( XXXX XXXX XXXX account # XXXX ). the agreement per new lease being obtained ( XXXX XXXX XXXX account # XXXX ) was that three payments were going to be made by XXXX XXXX XXXX dealership itself and the last two payments being taken care of by the loyalty program. In result, that would of taken care of the five final payment obligation on previous lease. The final two payments through the loyalty program were not received by XXXX as agreed upon then when the new lease took place. I have been to the dealership a few times, I have wasted more than 3 hours of unnecessary time waiting to speak to the manager. I have always been told that the manager ( XXXX ) would see me and that I had to wait. Long after waiting and getting upset with the staff, I was told that the manager would not be present that day. Attempted to make a few direct appointment to see the manager ( XXXX ) and every time he was never present for our appointment. i have called XXXX directly to resolve this issue without any success. Upon the last clarification from XXXX XXXX XXXX 's financial supervisor due to my fathers bankruptcy the loyalty program will not take effect even though i was not in any way involved with his bankruptcy. The sales & leasing consultant XXXX XXXX knew of my fathers bankruptcy during the transaction and i was informed by him that this would not be an issue or problem to make all the payments needed in order to close the old lease account # XXXX and preceded in selling me the new lease ( account # XXXX ). I am very frustrated with the financial hardship and credit damage. As this has lowered my credit from a XXXX to a XXXX and now showing my status as a delinquent. This has complicated my financial aid and other financial issues. a failed to pay status on the old lease from XXXX has been posted in my credit history. All of this unnecessary work, time, headache and worrying was unnecessary had the staff followed all necessary steps finding the discovery of my fathers bankruptcy status. This should have never taken place as to the employees have all the resources they need at their fingertips.
11/10/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • FL
  • 33018
Web
On XX/XX/2020 my XXXX XXXX was stolen. The car was reported total loss after not being recovered and settlement claim was sent to Infiniti Finance. During the beginning of COVID Infiniti Finance switched to virtual operation leading to excessive hold times, supervisor inability to contact, and lags in all processes. XXXX submitted car payment in full request to Infiniti Finance on XX/XX/XXXX. This would close the entire account paid in full. After 1 week of followup we were told to re send the documents in which XXXX re sent documents after XXXX had already received confirmation of receipt. We had the local dealerships file complaints to Infiniti Finance as it took until XX/XX/2020 for someone to sign the form to collect payment. XXXX Finance was unable to deposit the money to formally close the account until XX/XX/2020 leading to a 30 day late fee on my credit report. I disputed my inquiry with Infiniti during the month of XXXX with a supervisor to ensure no delinquency was hit on my credit. Infiniti never closed the claim, communicated with me on the claim, and the claim was still opens of the end of XXXX when we received word of the delinquency on my report. 3 weeks ago we filled a second complaint to have the 30 day delinquency removed and it was not approved with request to have us mail proof to their headquarter office. The proof exists in their phone calls- specifically the phone call with the supervisor in the Month of XXXX who apologized for extended time to clearance and put the ticket to ensure no credit hit was made. The company will not provide me phone call records without a lawyer formally subpoena them. As a consumer I understood the CoronaVirus impacted their logistics during the beginning of the pandemic. This is the only delinquency I have on my entire credit report leading to a disqualification of my mortgage refinance costing me roughly {$30000.00}. I trusted a company would thoughtfully resolve a total loss understanding all they needed to do to collect payment was have a supervisor sign a check- however that was delayed as they were all virtual. This delay on their part due to corona virus led to my credit being impacted with no remorse, or concern about my credit score.
07/17/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • RI
  • 02882
Web
I Leased an XXXX XXXX in XXXX and as per XXXX tax laws paid the tax upfront for the full term of the lease at the beginning of the lease at the XXXX tax rate. Move forward 2.3 years. I moved to XXXX XXXX and informed Infiniti Finance of my move and new address. Within days my monthly payment went up by nearly {$30.00}. When i called them, they said it was sales tax for XXXX XXXX which had to be paid in accordance with XXXX XXXX taxation law for the remainder of the lease, i informed them that i had paid the tax upfront in XXXX at the beginning of the lease so why am i paying it again? They were very aggressive in outlining that i HAD to pay more tax in XXXX XXXX . I then went to the XXXX XXXX XXXX to register the car and met a XXXX tax assessor as part of the XXXX XXXX process of registration, i gave him all my details outlining the car was a lease taken out in XXXX , he then gave me a tax-exempt certificate stating i had already paid tax on the vehicle in full in XXXX and that no tax was due in XXXX XXXX . I then called Infiniti Finance and explained what the tax assessor in XXXX XXXX had said but i dont think the lady believed me and again gave me the same response that i HAD to pay the tax in accordance with XXXX XXXX tax law and that the XXXX XXXX tax assessor at the XXXX did not know what he is talking about. I then sent a scanned copy of the tax-exempt certificate to Infiniti Finance. No one called me or emailed me. I then noticed when I logged into my account that my payment had been adjusted back to where it was before I moved to XXXX XXXX . When I called Infiniti they said that I did not have to pay tax in XXXX XXXX because it was paid in XXXX and that I was exempt as I had said. Infiniti Financial are a huge finance company, my worry is that they do not understand the tax laws between different states in the USA. They charge not knowing the requirements and the consumer unknowingly is paying a tax to Infiniti Finance twice that is not required and I also suspect that they will never see those tax dollars again. I certainly doubt that Infiniti will refund the money at their own will.
10/15/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • RI
  • 02886
Web Older American
My car was repossessed on XXXX XXXX, 2015 .I had made a payment via phone and the repossession company would not allow me to contact Infiniti to try to clarify this but took the car. Following discussion with Infiniti reinstatement department, I made an additional payment as they required on XXXX XXXX, 2015 which reinstated the loan. Because the car loan was in my husbands name, they stated that the car could only be released to him. XXXX In following future conversations they informed me that my husband could send them power of attorney. I downloaded a legal XXXX form and my husband faxed it .It had to be refaxed several times until it met the criteria for their legal dept. They would not advise us of the legal language they required, they would not allow us to speak to this legal dept. Each time there was 2-7 days between their receipt of the fax and response from the legal department. In the mean time without any notification to my husband, even though the loan had been reinstated, the car was moved out of state to auction. When I was finally able to determine that the legal dept had given permission for me to retrieve the car, I contacted XXXX XXXX XXXX and they said my car had been sent to auction. Finding out where the car was took another process, reaching them another process, XXXX XXXX informed me that my plate was no longer on the car and I could not pick up the car without a plate. No one knew where my plate was. I called Infiniti, they take no responsibility. Even though my loan had been reinstated, no one had put some " reference number " in the computer. At no time did anyone ask me for any reference number- my payment which was made via money gram was clearly recorded in their system. Their process is very malicious. I thought my husband had made a payment initially until I received a singular call from Infiniti XXXX on XXXX XXXX, 2015 and I made a payment on XXXX XXXX XXXX, 2015. Infiniti is not required to notify you of their intent to repossess, so you can rectify the problem. Their reinstatement department is very poor, they do not inform or explain or do anything to assist the customer. I explained to them several times that I have XXXX and XXXX so I am very ill.
10/13/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • NY
  • 12188
Web
I purchased a new car through XXXX XXXX in XXXX, NY. My loan was through Nissan Motor Acceptance Corporation. It was a disaster from the beginning. I went to make my first payment, and they had absolute no record of me, my car, or my account. So days were passing and I was so nervous I would be late for my first payment. I called at least ten times to the dealership to find out what was going on. Nobody k ew a y thing, and they explained the man who sold me the car wouldn't be back for three weeks. I had no choice but to wait, because I had no account with NMAC. So finally XXXX gets back, get talks with the manager, and they discovered the finance manager never submitted my paperwork. Now it's two months in at this point. So I was furious! They were extremely apologetic and said this is a one in a million chance of this happening. Now mind you, if k hadn't said anything, I could have had a free car! But I do the right thing. So that was straightened out and my account was created. I advised them that they better not charge me late fee. So fast forward to a month later I was on my lunch break at work. I ran to the gym, O my way back I got pulled over for not signaling. It was brought to my attention that my license was suspended from a ticket years ago. Now mind you, if I was suspended how did I get Insurance at the dealership through XXXX in my name?!?! So the police said they had to impound the car. They gave me a card with a handwritten shop that my car was being towed to. No such shop exists! For two weeks, at {$150.00} a day, I spent trying to find my car. Finally I called the dealer, explained what happened. They told me they would just buy the car back, and I would owe them {$1000.00} and they would resell it. They said it would not go on my credit, because of all the confusion I had with them, they would do the is for me. I was grateful and went on with my life. Well here we are, with this one my credit as a charge off! I called NMAC and they said they never picked the car up, in fact it was sold at an auction for {$9000.00} and I was responsible for XXXX XXXX.i explained the deal we had, and she said to call them. Well I've been calling for weeks, no returned calls, nothing!
04/12/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • CA
  • 93637
Web
My name XXXX XXXX XXXX my phone number is XXXX my wife purchased a new car and I consigned on loan and she past away after 30 years of marriage I tried to get Nissan to renegotiate the loan and they said they don't do that and I tried to get loan to reduce payments but could not get qualified for amount owed so I gave car back to Nissan and they auctioned the car of for so cheep the car was worth way more then what they sold car for and now are holding me liable for balance I don't think this is fair because she died and I couldn't afford car on my own the car was new only had XXXX miles on it was barely one year old and over 1,000 a month with insurance with XXXX owed on it I could only qualify for XXXX on my own with her passing away they sold car for only XXXX and now want hold me responsible for XXXX on remaining balance this has been the worst thing in my life going through her death and then to have my credit score destroyed by Nissan because of the laws there should be other laws to protect people like me from this it's not like she was still alive and defaulted on loan and I have such a hardship on my own this is just not fair and some laws need to change to stop this from happening to people like me not fair can you help me they should took car on there lot and resold for more then that this is not like normal people default this is a hardship and if they would of reduced price to XXXX they would got more money for car I wonder if they didn't action car to them self and resale car for more on there lot who to say but who sales a car like that that cheep no one you can't buy no car like that for that price no were laws should be changed to stop thing like this from happening to people who have a death it's destroyed my life and these kinda practices are not fair to a widower or a widows and should be changed this is a hardship and now they want to destroy my credit for 7 years it Has been a fight for my life after this happening and I am so exhausted from being attacked by everyone and just seem like it just get worse her death has destroyed my life and my credit to the point its affected my living making things impossible for me can you help me please Thanks XXXX XXXX
03/28/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • MD
  • 20613
Web
I received a phone call on XX/XX/XXXX regarding XX/XX/XXXX payment and it being close to 30 days and it being reported to the Credit Bureau. I said I believe I made that payment. I will check my records and call back or make that payment if this is correct. I called back that same day and told the Cust Service Rep. that the check cleared the bank on XX/XX/XXXX. He said he found the payment. I said what may have happened is it may have been applied to my previous lease. I forgot to update the acct. no. in the Bill Pay section of my bank acct. I asked him to apply it to my current account for my new lease immediately as I did not want it reported to the Credit Bureau. He said he couldn't because I sent it to the wrong account. He said it wouldn't be applied until Wednesday, which would put me at 30 days. I said if it cleared the bank already and the money is there, why can't you apply it immediately? Where is my money? I then asked to speak to a supv. He put me on hold and came back and said everything 's okay. It will be applied on Monday. ( A more detailed explanation will be attached ) XX/XX/XXXX I receive a statement indicating I had an unsatisfied lease and money had been applied to that, which is less than my new lease amount. So, I want to know two things : Why are you saying my previous lease was unsatisfied and yet sell me another car? And why send this statement 8 mos after the lease expired? And another thing, where is the difference between the two amounts ; where did that go? I never received notification about a balance owed on the previous lease until I addressedXX/XX/XXXX payment. So now my account will always have an overdue balance because the " misapplied '' my misapplied XX/XX/XXXX payment. My credit dropped 30 points. I was devastated. I had made numerous calls and each time I am told something different. This is extremely frustrating. The last Rep I spoke with did open a fraud report, by I no longer trust these people. They even had the audacity to send a survey via email. Really? Trust me, you don't want to know what I really think about you or XXXX XXXX in XXXX XXXX, NJ. This whole lease experience was a complete nightmare.
09/09/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • NY
  • 11788
Web
I am interested in purchasing my XXXX leased vehicle and I feel I am being treated unfairly. I leased my XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX for a 36 month term. My Lease Agreement has a purchase option at the end of the lease term in the amount of {$22000.00} and a Purchase Option Fee of {$300.00} as stated in Section 6. Important Terms, of the Lease Agreement Details in Section 15 of the Lease Agreement further outline the terms of the Purchase Option as follows : You have the option to purchase this Vehicle AS IS from the originating dealer, or other location we specify, in case for the Purchase Option Price, plus any official fees and taxes, vehicle inspection costs required in connection with the purchase, and a Purchase Option Fee of {$300.00}. I understand that there will be other official fees such as Taxes and Registration etc. but on XX/XX/XXXX, my husband and I visited XXXX XXXX to Purchase my Vehicle. We met with the Finance Manager. He presented us with a Purchase Option price of {$25000.00} not including official fees and taxes ( if applicable ) total buy out including taxes was quoted at {$28000.00}. When we told him that the Purchase Option price did not seem right, he angrily said This is NOT NEGOTIABLE and if you do not like it, you can leave now. We asked for a breakdown of the Purchase Option price. He gave us the following : {$22000.00} Purchase Option price {$300.00} - Buy Out Fee {$490.00} Early Termination Fee {$1900.00} Dealer Fees Plus Taxes When we questioned the Dealer Fees and pointed out that this is no where on the Lease Agreement, he got angry. I asked the finance manager to show us where this fee is located in my Lease Agreement. He referred to Section 6, and Section 15 as referenced above, which does not include a dealer fee of {$1900.00}. His explanation was that everybody has the right to make a profit. This goes on his police books and he has the right to charge whatever he wants. He continued to say that he can break it down however he wants and charge me whatever he wants and if we dont like it to go somewhere else. I continued to question this section and he became irate and asked us to leave.
07/15/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • NJ
  • 07734
Web Older American, Servicemember
XX/XX/XXXX - > XXXX XXXX leases XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX NJ. XXXX XXXX matures XX/XX/XXXX020. > I have a pre-approval for a payment of {$290.00} from Nissan. > My wife has driven and would very much like to keep the vehicle > To lease another of same exact vehicle with a slightly lesser sticker than ours had, will require a lease payment " increase '' far greater than $ 110 monthly. XX/XX/XXXX - > I was Invited to do so with a great loyalty opportunity, > I visited my XXXX XXXX Nissan dealership with an offer of something special for me to lease a new Rogue S. > My vehicle leased XXXX XXXX has less than XXXX miles on odometer. > I refused a horrible deal -with a {$330.00} lease payment > Dealer wants only to lease new on and grab my vehicle for resale with XXXX mi THE CRUXT OF MY ANGUISH HERE. I have been attempting to communicate with Nissan Motor Acceptance for the past three months. > You can not contact this company by any means you may attempt. > No phone calls are handled in person, > No emails. > I write them -- they never respond. > I sought to see if I can work with them directly as two different dealers I have met with only show a desire to get me into a new vehicle and get mine for resale. > I sought to get a XXXX extension on the lease due to all the dealer and pandemic issues. XXXX never answered a single letter. THIS JUST HAPPENED TODAY XX/XX/XXXX. > I have XXXX XXXX in XXXX NJ looking to supposedly help me PURCHASE the Rogue at lease end > It appears they are attempting to get me {$2000.00} more loan than i need > This dealer has not been forthcoming on lender or loan amount although asked XXXX My assistance request is for CFPB to compel XXXX XXXX XXXX XXXX XXXX XXXX XXXX to give me the courtesy of working with me directly to purchase the vehicle without visiting their less than professional dealerships possessing ulteriior motives to sell or lease a new vehicle. > That is all we can ask in this situation. > Customer service at XXXX is non-existent. > We would like not to have to deal with auto dealers that have shown themselves to be unprofessional and in some ways, outright devious.
01/30/2017 Yes
  • Consumer Loan
  • Vehicle lease
  • Taking out the loan or lease
  • CA
  • 91214
Web
XX/XX/XXXX RE : illegal Business Practices at Infinity-Nissan Infinity Acct # XXXX I have a lease contract for 24 months with Infinity Financial for a vehicle that started XX/XX/XXXX and will end XX/XX/XXXX. All monthly payment has been made. On XX/XX/XXXX, I became aware that infinity was tell us that they are missing A payment. Since XX/XX/XXXX. And that all the payments we were making was Being posted as late. On the phone, we agreed to make a payment including late Charges for {$400.00} and we agreed that I would send the payment to them. We send the payment to Infinity the same day. ( copy attached ) Also, they advise us that they are missing the XX/XX/XXXX Payment. We faxed them our bank statement showing that in fact a payment for {$300.00} was made on XX/XX/XXXX. See copy attached and Letter from Bank. It is very strange that if we are missing a payment, they would call us so late on this even after they were reporting us as being late for every month. On XXXX unknow to us Infinity illegally repossessed the vehicle, this is less Then 30 days that we are to return the Lease vehicle. ( how buzzer is that ). This is a Clear tactic infinity is using to negligently forced sell the vehicle to us. At this point I have requested over three times to get my payment history with them but they Keep stalling, signaling that there is something they wish to hide. We are proving clearly that Infinity has received all the payment required on a lease And we have called talked to them several times but they do not wish to admit that they Made a mistake and keep telling us that its over. " We will sell the car at Auction prices and bill you the Balance '' This is not our agreement, we do not wish to purchase the vehicle. This is Clear to me that infinity financial has a vested interest in trying to force sell this vehicle To me a Retail prices. A classic example of a big Bully. If infinity Financial tries to unfairly pursue this illegal activity. I have no choice but to take Legal action. This is a demand that infinity return the vehicle from where they picked it up from And let the course of our agreement run out on XX/XX/XXXX.
05/21/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NC
  • 27517
Web
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.
04/20/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • FL
  • 33598
Web Older American, Servicemember
I selected a vehicle XXXX at the XXXX Florida Infiniti store located at NMAC XXXX XXXX, XXXX TX, XXXX. Customer service # XXXX. Dear Sir/Madam, I am writing this complaint due to an agreement that I was promised when I leased my XXXX vehicle during the month of XX/XX/2016 at the Infiniti of XXXX store located at XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX XXXX # XXXX XXXX XXXX. I was promised free maintenance on my vehicle for the term of the lease contract however when I first went in for my initial maintenance check there was nothing in the maintenance system that I had maintenance coverage for my vehicle and I then told him it was suppose to be in the system because I was promised it free for his manager / sales manager selling the vehicle I had selected sold my vehicle to someone else therefore for selling it to some lady customer that wanted a darker gray in lieu of the silver that was available that I ended up getting after he told me he would make the mistake up to me by giving me free maintenance on my vehicle for the life of my contract however later while checking my contract with Nissan it was discovered I was charged for my maintenance contract which I believe was done after my inquiry during my first maintenance visit. I also discovered that someone signed and initial a maintenance document on my behalf because the salesman tried putting a maintenance document in my original set of paperwork and I told him your manager stated that my maintenance was suppose to be free due to the mix-up on the car that I selected and sold to lady I mentioned previously I believe his name was XXXX XXXX and he now works next door for the XXXX dealership. I am requesting that I be reimbursed for the maintenance contract I was charged for and all interests and fees associated with the term of my lease which is still open until next year. In addition I believe my lease should be terminated immediately due to the misuse of my information inappropriately and the signing of documents that were not signed by me. Thanking you In Advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
07/15/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • MA
  • 02126
Web
I have an auto Loan with XXXX XXXX XXXX XXXX. I initially purchased my car as a lease. I then brought the vehicle in XXXX upon the end of my 36-month lease and received an auto loan from NMAC. I was going through some hardships and fell behind on payments. On XX/XX/XXXX my car was repossessed by XXXX. I was able to make the necessary payment of {$1700.00} and retrieved my car the same day. Included in the payment amount was a {$420.00} fee for car storage - even though my car was not even stored at the storage facility for more than 5 hours. NMAC also charged an additional fee of {$450.00} - with no explanation, added to my monthly statement for XX/XX/XXXX. Recently upon logging into my account - I have noticed that the XX/XX/XXXX Statement was not generated and is not accessible to view I later received notice that one of my credit card accounts was being closed because upon the performance of a credit refresh the lending institution noticed a REPOSSESSION on my credit report. This is how I was made aware that a repossession was reported to the credit bureaus from NMAC. Upon receiving this update, I contacted NMAC to get an update as to why that would even be on my credit report - when my car was not repossessed. In fact, my car is in my possession and I continue to make my monthly payments. NMAC transferred me to many representatives that seem to not be able to assist or provide a solid response. The last representative I spoke to in regards to this subject informed me that NMAC was not going to make any updates to remove the repossession from my account and that was not their responsibility. They explained that my car was in fact repossessed. I asked that a manager contact me and I have not, until this day, received a response or a call from anyone at NMAC to address this matter. I am looking for proper guidance and assistance to have this false and derogatory information removed from my credit report. Please Note : I am in the midst of contacting the reporting agencies so that they are aware and help me reach amicable resolution with me organization. Thanks in advance for your help!
04/20/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • NH
  • 03842
Web Older American
We continued to communicate with Nissan Motor Acceptance Corp. they gave us the same answer they sent you. However, we never indicated to them that we did not want them to call us. There was no communication in regards to collection and we had made calls during covid to request forbearance. They told us the car would be repossessed or we needed to pay {$28000.00} immediately. I called and asked to speak with a supervisor again and was finally escalated as they discovered they never sent us a Cure Letter. They told us they would rewrite the lease and it could take 30-45 days for us to receive a new account number. We were concerned as to if this could occur again and inquired where to send payments for each month as they took their time re-writing the lease and to assign a new account number. We just received a new account number today. XX/XX/2021 and have discovered they have tacked on misc fees. My mum is XXXX years old, we have called almost every 2 weeks to keep abreast of why it was taking so long. These fees should not be tacked onto to her account. My mother 's credit has been impacted by this error and after several calls to inquire about making payments, at no time did they request any such fees. I would hate to see what would have happened if we just " waited '' as they suggested for us to receive a new account number. This charge off should be removed and we should have received letters as to when they assigned a new account number prior to this to allow us to make the payments that we orchestrated in their absence of documentation. Please do not accept their reply that we requested for them to place a do not call on our account. The woman who called my mother had badgered her right after she shared she had returned home from XXXX XXXX. There was no request to " do not call '' as stated in their letter to you. I turned to social media as no one was assisting us through Nissan Motor Corp and my mum 's car was going to be repossessed - in error! We are now faced with extraordinary fees as we received their new account number just now 4 months later.
06/10/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OH
  • 43017
Web
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.
06/10/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OH
  • 43017
Web
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.
09/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33166
Web
I shared a lease for my wife at the times XXXX XXXX. In XXXX of 2020, during the COVID lockdown, we had both been furloughed from our jobs and were unable to make payments on the car during that time. Before we were late with a payment, she called Nissan to ask if they would be willing to pause our payments until we were able to pay again. They agreed and had done it with many customers already. We were grateful. In XXXX of 2020 ( do not remember the exact day ), I had just been able to get back to doing some work and received multiple calls from Nissan that informed me that we were late on our payments. I asked my wife to call them and ask if there was a problem. She called and the Nissan representative told her they were automated calls about being late and to ignore them as we had paused our payments only about a month earlier. I continued to receive these automated calls over the following weeks so I called Nissan personally to ask them to stop calling. At this point the representative informed me that the payment pause was only for one month and if we wanted to extend it we would have needed to call in again. This was absolutely not made clear at the time of the pause. and then on top of that, we were told to ignore the late payment calls. How are we supposed to know if a Nissan representative is telling us accurate information or not? We made the mistake of assuming they were giving us credible information and we ended up being hit with a 30 day late note on our reports. I had never over many years with NMAC been late with a payment. And as soon as I called and spoke with the representative, I paid the entire back balance ( two months ) along with the remainder of the lease ( ended up totaling about 4 months of payments ) immediately on the phone with him. I then wrote Nissan explaining this situation and they told me they would not correct it. This is deceptive and during a time like COVID lockdown where people needed help, Nissan offered help and then punished us for accepting it. It was the wrong way to handle the situation.
09/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33948
Web
Nissan Motor Acceptance Corporation XXXX XXXX XXXX XXXX, TX XXXX account # XXXX In early XX/XX/XXXX a Nissan Motor Acceptance Corporation representative agreed by phone to allow a lump sum payment to be applied to multiple future monthly installments payment on my auto loan. The lump sum payment was a credit from cancellation of extended warranty service that I had not intended to purchase in the first place. I cancelled the extended warranty shortly after my vehicle purchase. There were actually two of these payments applied to the principal of my auto loan ( account number above ). One for {$1200.00} on XX/XX/XXXX and another for {$1300.00} on XX/XX/XXXX. I requested that the Nissan representative have the second of these payments applied/posted to regular monthly installment payments for XX/XX/XXXX and XX/XX/XXXX and this was confirmed during that telephone phone call. Without any communication or notification from Nissan both of these payments/credits of XXXX and XXXX, were applied directly to the principal of the loan rather than what was agreed. Apparently, Nissan either does not have a policy or ability to do what was agreed or chose not to do it for my particular installment loan. I was given no notification, but found out when logging into the customer online portal. I immediately brought the account current as soon as I realized that these principal payments had been made rather than scheduled as installment payments. My account is showing a 30 day late with all three credit bureaus. I have tried to file disputes with XXXX, XXXX, and XXXX directly, since this his having an adverse effect on my credit and will prevent me from obtaining a mortgage. I have had numerus phone calls with Nissan Motor Acceptance Corporation to rectify this situation and it has not been resolved. I plan on consulting with an attorney and take whatever action is available to me if Nissan refuses to resolve this matter amicably and rectify their mistake/oversight. Please let me know if any further information is required for this complaint.
10/14/2021 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TN
  • 37419
Web Servicemember
I have an auto loan originally with Nissan that has now been charged off and closed for {$15000.00}. I contacted XXXX XXXX and spoke with a manager name XXXX and I had Nissan loss recovery rep on the line as well within this conference call. I told XXXX manager that I want them to delete my financial information originally I gave them as a payment agreement that I set up initially a day prior to get this debt resolved and to have credit updated ultimately in the end. Upon me finding out that XXXX doesnt do credit reporting., I then preceded to tell them to cease and desist calling me and send account back over to Nissan for me to work directly with them because they are the original creditor and who I actually owe. I tried to make arraignments originally with Nissan in the past but I wasnt able at that time due to covid illness and no longer working. I and the Nissan rep was told by XXXX supervisor XXXX that they ceased the calling and communication on the account and that it depends on when Nissan pull the account back which they never will, and later finding she was somewhat lying. She also did not verify with me o. That call specifically if they deleted my financial information of my debit card that I had given them. After getting off that call the Nissan rep confirmed and verified with me that Nissan have closed the account and charged it off after reselling the vehicle and no longer proceeded with collection efforts and that XXXX bought the debt from Nissan as a third party collection. She also stated to me that if XXXX doesnt collect on debt that they would in turn sell the debt to another debt collection agency because Nissan is no longer involved and credit reporting may not even be updated even after payments made to third party collection agency because Nissan no longer report to credit bureau after account closure, write-off and debt selling of which I would incur problem with credit updating in the future.ed with this account by letting me know ultimately where I stand with Nissan directly.
08/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30093
Web
To who it may be concerned, This collection/charge off is a result from a not-at-fault total loss to the vehicle. The remaining balance that was owed after the car was paid off by the insurance company was for the extended warranty ( document 3 ) ( that the finance company obviously cancelled after the total loss and wanted a refund for from the dealership ) which was supposed to be paid by the XXXX dealership to their financial service. They refused for months to pay it so thats why this account went into the negative. From no fault of my own. I complained and complained for months that they needed to take care of this because it was hurting my credit report. Finally after months of getting in contact with them they finally paid it off. So this account is settled, they received payment and have admitted on multiple occasions that this was in no wrong going of my own and they have said for years now they would take this off my credit report but it is still there. I dont understand why my credit report says " charged off '' when they got paid. Included are proof that the vehicle was in fact in a total loss, also included is proof that the amount owed on the car ( minus what I owed on my previous trade which was paid by GAP insurance ) was paid in full. Also included ( document 3 ) is a letter from the creditor to the dealership requesting a refund for the extended warranty ( which is the amount that got charged off ). So you can probably see my frustration as it looks very much like the dealership didnt want to pay it back to the creditor which is a division to their own company! Also included is the GAP insurance claim which paid off the balance owed after the settlement. Please help me resolve this issue I have been trying to get this resolved with Nissan Motors/ XXXX XXXX for three years now with no luck. I have opened disputes with all three credit reporting agencys but nothing seems to be happening. Thank you for your time and any help you can give me. It is very appreciated. Thank you, XXXX XXXX
10/04/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • CA
  • 93309
Web
On XXXX XX/XX/XXXX I was involved in a vehicle accident that totaled my XXXX XXXX Infinity vehicle I had just purchased in XX/XX/2019. I had a lease on this vehicle and then refinanced it to purchase it at the end of the lease. Because of this, i was not advised or informed by the bank ( Infinity Financial ) I would be losing any gap insurance protections. As the car was declared a total loss, my insurance company only paid out approximately {$21000.00} as they claimed that was the value of the car. My loan balance was XXXX, therefore I have a deficiency balance of {$8000.00}. I understand I am responsible for this balance, as tragic and unfair of a situation as this is. However, the problem with Infinity Financial is that we had a deal that my monthly car payment would be {$470.00} a month. I have been ONTIME with my payments, even after the car was declared a total loss. They are co-ercing me into paying them the full remaining balance in one lump sum, monies I keep telling them I have no access too. If I had the ability to just write a check for {$8000.00} ... .well I wouldn't be here. Everytime I speak to them it's a nightmare. They insult me and threaten me with credit reporting damage and promise me this account will go to collection if not paid in full by XX/XX/XXXX. I don't understand how I'm supposed to come up with $ XXXX However I can still continue to pay {$470.00} a month until I am able to secure a loan for {$8000.00} to pay them off. The sad part about this, is I am willing to pay the {$8000.00}. I just need TIME to secure financing from a local credit union here in town that will give me a personal loan to pay off Infiniti Financial. However, there threat of negative credit reporting will completely render me unable to obtain this personal loan as it is a requirement by ANY lender that I have a good credit score to qualify. If Infinity Financial makes good on there threat of ruining my credit, well then I can't possibly borrow money from my credit union to pay them.
02/12/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Termination fees or other problem when ending the lease early
  • CA
  • 90009
Web
This has to be the worst XXXX dealership of all of California. I went to this dealership just to figure out my options to return my lease which was coming to an end in a few months. I wanted to finance my car so I wouldn't have to return the lease to not pay the extra milage I went over that I was told when I first leased my car back in 2017. I had a spokesperson name XXXX XXXX who barely spoke any English. At the time there was no other spokesperson so XXXX helped me with his Bosses help the named XXXX XXXX. XXXX told me that it would be better to turn in my car lease that same day early and get another car with so I wouldn't have to pay for the extra milage and get a lower car note a month. XXXX finished me off and got me into a XXXX XXXX after turning in my XXXX XXXX. Worst mistake I made in my entire life. I realize that I seen an additional {$12000.00} on my credit report a few months later on top of my new financed loan. I went to the dealership to discuss getting that additional {$12000.00} off my credit and they explained to me that it was due to the milage from the lease I return. I wanted to talk to Edi that day and waited 1 hour and 30 minutes. But it turned out he explained to two sales people the story and told them what to tell me. I was highly upset because since he sold me the car I wanted to hear it from him which was highly unprofessional on his part. I called XXXX to discuss and all I got was them giving me attitude over the phone and told me I would have to go to the dealership to discuss the matter and get it resolve. Went to the dealership a second time and they still gave me the run around on how I still have to pay that {$12000.00} in mileage. It's been almost 12 months and I still haven't had this issue resolved with XXXX and it's affecting my credit score. I wouldn't have turn in my lease early to have to pay {$12000.00} on mileage. I would have kept my car and financed it after my lease was up as XXXX wasn't getting the car back to put it up back for sale.
03/31/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 28306
Web
Hello, I am dissatisfied with XXXX XXXX XXXX XXXX. Last year in 2020, I was affected by the pandemic, I had never had no late payments on my auto loan. In XXXX of 2020, I made a payment before the 30 day mark, XXXX of 2020, I made my other payment. When XXXX comes I log into my portal and see that I owed XXXX car payments I was puzzled. I called into XXXX and spoke with several representatives, and they told me the payment had cleared my bank. I called back again, and XXXX manager I spoke with I gave her the names of the other managers and their departments she said none of them work there. And she said my payment was returned because my bank rejected it. I was trying to work and maintain my credit so that I could get a home for my brother and I, he has been battling a lot of XXXX issues and slowly overcoming them. I take care of him, and their is only XXXX income in my home. The representative was rude and said it was my fault my bank rejected the payment. Eventually after going back and forth with XXXX I called my bank and they said that XXXX tried to take the XXXX payment days after in XXXX on the XXXX, XXXX, and XXXX. I tried to call XXXX because on their website it says they will work with XXXX who have suffered during these difficult economic times we are living in due to the pandemic, XXXX representative just said go borrow the money from a family me member. Long story short I have called, and wrote XXXX to try and get my late payment removed as of a result of a goodwill adjustment and they still refuse, and the sad thing is many people see my car and love it. They inquire about it and Im reluctant to refer them to XXXX even though most of the times I still do. This was the only time that I had ever been 30 days late. It was just crazy because of the things the different reps said, its a pandemic, and the fact that I didnt find out about the payment until XXXX so they gave me a derogatory remark for XXXX and not XXXX and still refuse to remove my alleged late payment.
03/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • KS
  • 66517
Web Servicemember
This is my THIRD AND FINAL WARNING before filing litigation against Nissan Motor Acceptance and XXXX The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C. 1681e ( b ). XXXX has violated that code section by failing to maintain, and failing to follow, reasonable procedures to assure the maximum possible accuracy of information included in my credit report. XXXX has failed to conduct a proper and lawful reinvestigation, in violation of 15 U.S.C. 1681i ( a ). The FCRA requires consumer reporting agencies to conduct a reasonable reinvestigation into any item that is disputed by a consumer. Murphy v. Midland Credit Mgmt., 456 F.Supp.2d 1082 ( E.D. Mo. 2006 ). The court rejected XXXX argument that an investigation solely consisting of ACDVs without seeking additional documentation was reasonable as a matter of law. I am a victim of identity theft and someone opened an auto loan in my name with Nissan Motor Acceptance on XX/XX/XXXX, Which I am in the military, United States Army and I was on deployment at that time in XXXX. I pulled my XXXX credit report on XX/XX/XXXX and noticed a charge off amount of {$18000.00} written off with a past due amount of {$17000.00}. Account number XXXX** Nissan Motor Acceptance.THIS IS NOT MY ACCOUNT. I contacted Nissan and Experian about the matter. NissXXXX and XXXX are still reporting this fraudulent account to third parties which is hurting my reputation to attain credit. After researching, Ive founded that FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : which XXXX has failed to do so. Also, the XXXX Nissan Motor Acceptance was just updated with a recent payment of {$2.00}, which is a violation of the FCRA which re-ages the account. Please check attachment.
11/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 07067
Web
In XXXX of 2020 I parked my XXXX vehicle and in front of my brothers house in XXXX XXXX, NY to go on vacation. The car was reported as abandoned, ticketed, booted, and towed during my vacation. Also during my vacation, the COVID pandemic took hold of XXXX. Upon return, I tracked down the vehicle to XXXX XXXX towing in XXXX XXXX. I was informed it was a city tow and would need to be resolved with the city, they were unable to release. I contacted XXXX, I learned i would need to go to the DMV to pay fees. However, the DMV was closed due to COVID. From the months of XXXX through XXXX I kept in regular contact with XXXX, XXXX XXXX, and Nissan Motor Acceptance Corp informing them I had not abandoned the vehicle, was simply unable to take the vehicle due to COVID pandemic. In XXXX, I made my call to Nissan to follow up as usual and they informed me the car was scheduled for repossession the next day. I arrived to the XXXX finance office that afternoon to see if there was anyway to get the car out of impound. I was told it was impossible without having it released by the DMV, which was closed. Unable to make any type of resolution with XXXX, XXXX XXXX, or NMAC, NMAC repossessed the vehicle. I promptly paid the repo fee as well as fees that XXXX charged NMAC for storage of the vehicle during COVID ( NY charged storage fees daily even though I was unable to get the vehicle back ). Nissan reported to credit agencies a repossessed vehicle. When I did not have the car, I did not miss a payment. I did not miss a payment when they repossessed, and did not miss the subsequent XXXX payment after I paid NMAC greater than {$2000.00} to get the car back. Despite my loyalty and financial responsibility, NMAC is unwilling to remove the report as a repossession in XXXX. I have called NMAC, wrote the credit agency with NMAC, and disputed with the bureaus. Nissan continues to refuse to change the mark in XXXX from repossession to paid, despite a positive payment being made that month.
12/05/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • CA
  • 92040
Web
I finance a new 2017 Nissan XXXX through Nissan motor acceptance company and was sold gap insurance at the time. Upon the totaling of this car, Nissan approved me for a new loan for another car and the dealership told me that Nissan Motor Acceptance was approving my new loan only because I provided the proof that my insurance was totaling the first car. I financed a second XXXX and my insurance paid the claim. However, this transpired in XXXX and I have yet to have this other loan removed and am receiving derogatory impacts upon my credit report. You and NissanUSA try pushing the responsibility upon dealerships and gap companies and I have also contacted my Senator in regards to failures from this department to help me. I know have confirmed that Nissan Motor Acceptance is at the center of all of these delays and is destroying their own paying customer 's credit with apathy. They have failed to provide me, the customer with any documents on file with this company proving the pay off of a refunded warranty package, which was required by XXXX XXXX XXXX ( Gap Company ) Nissan responded to many inquiries by myself by saying they sent the documents to me and the gap insurance company ; however, as of today, the gap insurance company confirmed they have never received any correspondence since the claim was initiated. This refusal to help the customer has come to great harm to my credit, my ability to find safe housing in XXXX California where I am attending University and caused me great emotional and financial harm. I was never provided with the documents as a customer that I required regarding the Gap insurance sold to me by Nissan and refused any acknowledgment of my pains or their responsibility in any of this. They have lied to me about what I was buying twice and treated me poorly from the beginning of our business dealings. I will also be sitting Down with my XXXX XXXX XXXX XXXX in hopes of getting help filing suit against this unfeeling company.
03/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 92870
Web
On Friday, XX/XX/XXXX, XXXX XXXX PST, I walked into the XXXX XXXX Nissan for a test drive and soft check quote of a XX/XX/XXXX XXXX XXXX. The appointment was with XXXX XXXX, a salesperson on staff at the XXXX XXXX Nissan. The appointment proceeded with a test drive, and midway through our drive, I asked XXXX if he would be willing to do a soft check to get me a quote ; however, I was not interested in hard credit checks today as it was not within my capacity to buy today. XXXX indicated that a soft check quote was possible. We drove back to the dealership ; I sat down, and after much discussion and reminding XXXX that I was not interested in a hard credit check, XXXX brought me a paper to sign. He said, " I'm going to get you a quote directly from Nissan in order to get your rate low, '' and " I need you to sign this to confirm your work history and previous address. '' I asked him, " this is not a hard check, is it? '' He said, " no. '' Unable to easily read the document due to its excessive coping, I signed the document with XXXX XXXX reassurance, trusting what he said was true. The next morning I received a text message notification from an unrelated company which indicated that a hard credit inquiry was done by Nissan. As it was now Saturday at XXXX XX/XX/XXXX, I planned to call back on Monday to rectify the situation. Monday evening, after 3 attempts to reach a manager, I was told that a manager was not in, even though a previous representative indicated one was in their office. After this third failed attempt to reach a manager, I received a call from an unknown number ; it was XXXX XXXX. This conversation took place at XXXX XX/XX/XXXX. Throughout the conversation, I was ridiculed by XXXX that when he said, " I'm checking with Nissan, '' that means the same thing as me giving permission to run a hard check. Obviously, he failed to address his fault in that when I asked, " XXXX, is this a hard check '' he lied to me by answering " no. ''
05/24/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • GA
  • 30213
Web
Nissan XXXX GA - XXXX XXXX - I would like to start out by saying, I should have paid more attention to the deal and not trusted the Salesman ( lesson learned ), but I guess I was excited about getting a new car, never will that happen again. I came into your dealership to get an oil change XX/XX/XXXX and was approached by your Salesman ( XXXX ) about getting a new car, he asked what my credit score was and I advised a 700+ ( 1st mistake ), he said we can get you a new car with a low APR, I stated as long as my car note stays the same I'm interested, I paid into the 2015 XXXX for 2years ( Nissan made money off my interest on that car ), but I'm willing to start over if the price is right. We proceeded with the sale and my car note went from $ XXXX/month 5yrs to $ XXXX/month for 6 1/2 years, I'm like ok, it went up {$50.00} for a brand new car, not thinking or doing the math, until XXXX called me to update my car, with the same Sales Pitch lower APR., I went into your dealership and test drove a 2019 XXXX XXXX Sticker Price {$35000.00} and was told my car note will be about $ XXXX/month I said No, you guys are ripping me off. I was told I have {$15000.00} in negative equity and I'm paying almost {$50000.00} for a 2017 XXXX XXXX, which is only worth {$30000.00}. I thought that by me being financed through Nissan that they took care of their customers, I was wrong. Your Employees are a brand of Nissan and I feel like I was robbed, they took advantage of me and my credit. I assumed that by having good credit that I can get what I want at a good price ( wrong again ). I take pride in having good credit and now I'm stuck paying for a car that has no value, I feel this Company took advantage of me. I will never by Nissan again. I paid over {$43000.00} ( without finance charges ) for a 2017 XXXX XXXX that had a sticker price of {$32000.00}. I have been with XXXX XXXX since XX/XX/XXXX and have never been late with a payment. Wow is all I can say.
08/04/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • FL
  • 33023
Web
This is my third complaint. The previous complaint was regarding the inability to receive a letter from Nissan stating my car account was paid and up to date. My ex-wife did not pay the car for three months and I was never informed by Nissan. I went to apply for a loan with XXXX XXXX and it provided a letter stating that I was able to purchase. I am currently under contract to purchase a home but I can not because I can not get a letter from Nissan stating that my account is current and the current balance in order to re-score my credit. My credit score dropped from the 700s to the low sixes due to the late payment. Three different Nissan customer service agents said that I could not get a letter until after 21 days had passed my XX/XX/XXXX payment in case I " withdrew '' the payments. I received a letter from Nissan on XX/XX/XXXX and the credit bureaus stated the letter did not provide the current balance and they could not re-score my credit. I just called Nissan and was transferred to another department. When I was speaking with the agent along with my loan officer, XXXX XXXX, the agent said that Nissan 's loss recovery department could not provide a letter at all because my ex-wife filed a bankruptcy in XXXX!!! This is totally different than my experience with the other customer service agents. They never said anything about my ex-wife 's bankruptcy. I requested to be transferred outside of loss recovery and the agent refused and said that her supervisor could not come to the phone because she was busy!!! I don't know if Nissan now flagged my account because I made a complaint with the CFPB and will now cause me problems in the future. I need a letter NOW from Nissan stating that the account is current and the current balance due. It is ridiculous that I need to make three complaints in order to get an accurate and satisfactory letter from Nissan. If they are doing this to me, they must be doing this to other consumers.
12/03/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • High-pressure sales tactics
  • NC
  • 28152
Web
In 2016 I was involved in a domestic situation. During that time, my partner did not have a car and mine was used by us both for transportation. That car ended up having to be replaced. I went to XXXX XXXX in XXXX NC to purchase a new car, however was forced at that time to co-sign for a car for her as well. At this time because I knew how much I had been abused, no matter what signs I gave the salesman they pressured me to co-sign as well. Stated why not " 2 in one day '' At this time I co-signed for her car and signed for mine, we both received a XXXX XXXX XXXX. The cars were both financed through the same company, NMAC. Nissan 's finance company. As a consumer my income did not support two loans. These cars again were financed on the same day, by the same company, this made the sale unfair. The salesman was not concerned about me at the time, my income, it was only to gain a sale, knowing I could not afford it affecting my credit worthiness. I was young at the time as well, 2 years out of college. I satisfied my loan but because she could not afford the second loan, nor could I, she got the car repossessed ( Vin ending in XXXX ) and the repossession is now on my credit file. With this sale, it broke laws according to the UDAPP- Unfair, Deceptive, & Abusive Acts and Practices. I have contacted Nissan 's loss recovery department on XX/XX/XXXX, XX/XX/XXXX at XXXX ( Spoke with XXXX-gave me service req # XXXX ) on XX/XX/XXXX at XXXX ( Spoke with XXXX ) and requested a copy of the sales agreement from this day, all three times they stated they mailed it, except XXXX, she stated she would email it, I have yet to receive this sales agreement. I spoke to a sales representative at XXXX XXXX XXXX in XXXX NC to see if I could obtain anything from them, but he stated they did not use the same system. He also stated to me that Nissan would not send me that information because they knew they were in the wrong for making that sale
08/31/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30736
Web Servicemember
Applied for a loan XXXX-XXXX-2017 with Nissan Motor Acceptance of XXXX tennessee advised the sales rep that I know what my credit score issue subscribing to the credit agencies credit score at the time was a XXXX and advised the company that I only want my credit ran through Nissan due to being a well qualified buyer. My sales rep was XXXX and the used car sales rep was XXXX. The car that I wanted was not in house XXXX had to travel to XXXX to pick up the car. XXXX the FOLLOWING DAY Saturday XXXX I started to get credit alert notifications. There were about 20 different inquiries showing on my account where XXXX had ran my credit so many times. And my credit score had dropped to a XXXX. When the store opened Monday I called and spoke to Managment by the name of XXXX the GM he stated over the phone that he would do what ever it took to make it right. I advised XXXX That I had the opportunity to contact some of the creditors and they had informed me that to get the company being Nissan to write a letter requesting to remove the inquiries. After speaking with XXXX and informing of what actions that needed to take place he agreed to derive a letter explaining the situation so that I may get the inquiries removed. I advised XXXX I could have had a better I interest rate also had the request of my credit only being ran through Nissan been completed. I advised him that I have a credit alert all over my credit and this was not surprised to have happened. Mean while waiting on the later and seeing that I had not been contacted ; I returned a call back to him. XXXX Stated that he could not issue a statement putting the do company at fault for any malicious intent. I STATED THAT IT WAS NEGLIGENCE ON THE COMPANIES BEHALF THAT THIS HAPPENED AND BECAUSE OF IT THIS HAS AFFECTED MY CREDIT AND MY ABILITY TO DO OTHER THING LIKE REFINANCING MY HOME. I CALLED NISAAN CREDIT TO ALERT THEM AND THEY DID NOTHING. PLEASE HELP ME ....
04/09/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NC
  • 28210
Web
In late XXXX 2016, I paid off a 401K loan with the goal of applying for a new loan to purchase my XXXX home. I made several calls to XXXX XXXX before requesting the loan to ensure the new loan disbursement would be available in time for me to make my XX/XX/XXXX car payment prior to the 30 day past due mark. Unfortunately this did not happen despite me taking every precaution. Once I realized I could not make the payment timely, I made a payment arrangement online at NissanFinance.com to make payment by XX/XX/XXXX. The money was n't deposited to my account until XX/XX/XXXX ( 3 days later ) when I promptly made payment. I also contacted NMAC by phone asking if there was anyone I could avoid late/derogatory reporting to the credit bureaus and was told that a report had already been sent & there may not be anything she could do to adjust. On XX/XX/XXXX I received an alert from XXXX that my loan was reported as 31-60 days late. I immediately mailed XXXX letters to NMAC requesting goodwill adjustments to that report. I never received a response from NMAC but I happily received an alert on XX/XX/XXXX that the negative reporting was removed. To my shock, on XX/XX/XXXX the XX/XX/XXXX payment has now been reported as 30 days past due again. I 'm requesting that this reporting be adjusted in light of the prior removal. I did attempt to resolve by phone on XX/XX/XXXX but the associate I spoke to simply denied it was ever adjusted back on XX/XX/XXXX & would not assist. Although I acknowledge the issue with my payment was entirely my fault and not NMAC, I am asking that they adjust this single late payment since the loan was initiated. I 've confirmed that there is no regulation that states that a creditor is required to report this & am asking that NMAC simply remove the mark as they did on XX/XX/XXXX. I 've attached copies of the XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX credit file to reflect these changes.
09/27/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CA
  • 91915
Web Servicemember
In XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, CA for approximately {$21000.00} after down payment receiving financing from Nissan Motor Acceptance. Upon purchasing the vehicle I set up auto-pay in order to make direct deposits in order to pay off the vehicle. From XXXX until XXXX I had never missed a single payment and was well on my way to paying off the vehicle. Upon the final payment, which should have been XX/XX/XXXX, I checked my account and saw a {$0.00} balance. At that time the account was closed out and I was no longer able to log on to the website. I had figured everything was taken care of and my debt was paid. About 8-months later I received information that I still owed {$410.00} ( the last month 's payment and the final balance ). Keep in mind I move around a lot being in the military so if they had sent me letters it was probably to a prior residence. After finding out the information, I called Nissan Financing and they were unable to help me, stating that my balance had been turned over to a collections agency, which I just recently found out wasn't true when I finally paid the remaining {$410.00} balance. I have recently disputed the claim just to get it taken off my credit report after paying off the final balance, but they acknowledged my payoff and refused to take the negative information off my report. My question is, what would be the sense in paying 59 payments of {$410.00} over the course of nearly 5-years, then simply disregarding the final {$410.00} installment? {$410.00} isn't worth not receiving a title or my credit being destroyed. Why in the world would I invest that much money into something I didn't intend to pay? Why would 59 payments be made at the same exact time each and every month during the duration, then suddenly stop on the 60th installment. I just want a clean credit report as all of my other accounts are clean and never late.
02/25/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33186
Web
To Whom It May Concern : Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Theft Please review the security interest section of your contract ( The security interests secures all obligations which may become due under this contract. This means the alleged debt is paid and you are trying to collect a paid alleged debt from me, against the law. According to 15 USC 1692g, Validation of Debts. Also, please review when NMAC shared alleged debt with debt agency they broke the law and infringement of consumer rights to privacy under 15 USC 1692b, they are able to sell the alleged debt but not information, view attachments. In the example, you can clearly see the debt collected that NMAC gave the alleged debt collector and any information obtained will be used to do so. The consumer information violated under 15 USC 1692, when they sent me a letter with their logo and stated they were trying to collect an alleged debt. 15 USC 1692e ( 11 ).
08/19/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • NC
  • 28214
Web
In XXXX, I took my car into the XXXX XXXX XXXX XXXX because the car would slow down and jerk while I was driving on the highway. The guy told me it sounded like the transmission and that it was still covered under warranty. The mechanic said they could not find any problems. I took the car to the XXXX XXXX Dealership which is closer to my home because the problem continued. They too could not find a problem. Every time I took the car in for an oil change, I mentioned the slowing down and jerking problem and every time, they told me they could not find any problems. In XX/XX/XXXX I received a notice in the mail Nissan was extending the CVT warranty to 7 years or XXXX miles. I called to explain the problem was still happening, but my car was over 90,000 miles. I complained about that problem over two years ago when it was under warranty and requested Nissan to fix the problem. I was advised to take the car in for a diagnostic and ask Nissan Corporation to make an exception because my concerns were in the notes from XXXX. I had to rent a car while the diagnostic and repairs were completed. The first guy from Nissan Consumer Affairs was extremely nice and said he would let me know a decision once the car 's diagnostic was completed. I called five times and after nobody returned my call, I extended my car rental. Around XXXX that day, someone called me to say Nissan would not cover the repairs because I was over 84,000 miles. I stated to Consumer Affairs lady that it was very strange that all of a sudden once the warranty expired, now the problem is found and Nissan will not make an exception considering I have been stating the problem since XXXX. She seemed unmoved and unconcerned and said, Nissan would not cover the repairs. I had to use the warranty I purchased on my car to get the repairs. Had Nissan told me no from the beginning, I could have saved money paying for a rental and wasting my time.
09/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33415
Web
I had a vehicle lease through NMAC ( Nissan Motors Acceptance Corporation ) for 36 months, my lease ended XX/XX/2019, I had called Nissan several times to ask information about the end of my lease, I was told to get the vehicle inspected with the company that they had provided, after inspection I can return the vehicle anytime between XX/XX/XXXX and XX/XX/XXXX because they offer 10 days grace period. I did everything that was asked of me to do. Ireturned the vehicle on XX/XX/2019 ( still within my grace period ). About 3 weeks later I received several phone calls from a rude agent named XXXX from Nissan Collection department stating that I was late on my lease payment and that I needed to pay the amount owed within the next few days. I explained to him that my monthly bill was always being deducted automatically from my bank account, I had made all my payments in full and on time, I also informed him that the car was returned back in XX/XX/2019. He was adamant that I owed the monthly payment, and the car was never returned to Nissan. After going back and forth with me for several minutes I decided that I didnt like the tone at which he was speaking to me and I wanted to speak to someone else. Finally another agent got on the phone to inform me that the dealership did not finish the paperwork for my lease return and as far as they know I owe the monthly payment. Few days later I got a notification that NMAC reported a late payment ( 30 days past due ) to all 3 credit bureaus ; at this point, I was livid I called NMAC again the representative told me that I have never been late and he does not know what Im talking about. All the employees are so rude ( XXXX, XXXX ) and do not care to properly answer any of the questions asked by the customer. It is unfortunate that a big company like NMAC chooses to report fraudulent information on peoples credit report. NMAC is nothing but FRAUD FRAUD FRAUD!
02/05/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • IL
  • 60021
Web
I am in the process of buying a new car, calling around various dealerships and getting price quotes. Throughout the day yesterday, I spoke on the phone to XXXX XXXX, salesman at XXXX XXXX in XXXX, Illinois. I explained to him, in no uncertain terms, that I am looking for an out-the-door price on a 2019 XXXX XXXX XXXX XXXX. I explicitly stated that I will not be financing through Nissan so DO NOT include any rebates or special offers that are dependent on financing. He indicated that he understood and said he would call back after speaking to his sales manager. He called a few minutes later with a price quote of {$23000.00}. I asked for repeated confirmation that this was the car I was looking for, that the price includes all fees/taxes/registration/etc., and that he understood that I would absolutely NOT be financing through Nissan. HE thought my persistent need for confirmation to be amusing and assured me that he is honest, straightforward, and was not going to give me the runaround. Low and behold, I arrive at XXXX XXXX a few hours later and it goes something like this : XXXX : Sorry, the price I gave you is only if you finance through Nissan. Me : XXXX I told you a thousand times that I would NOT be financing. XXXX : Yeah, I know, my bad. It will actually be {$1500.00} more if you're not financing. I understand that car salesmen have a reputation for being XXXX but this is getting into very deceptive territory. If you are and entity selling a product ( cars ) AND financing, and a customer calls asking for only the product, it is dishonest, deceptive, and outright XXXX to lure them in with a price that you know you will not sell for. I gave XXXX every opportunity and all the information he needed to give me an accurate price and he chose not to. It is possible to negotiate without being outright dishonest but it looks like this isn't a principle that Nissan holds its employees to.
08/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33415
Web
I had a vehicle lease through NMAC ( Nissan Motors Acceptance Corporation) for 36 months, my lease ended XX/XX/2019, I had called Nissan several times to ask information about the end of my lease, I was told to get the vehicle inspected with the company that they had provided, after inspection I can return the vehicle anytime between XX/XX/XXXXand XX/XX/XXXX because they offer 10 days grace period. I did everything that was asked of me to do. Ireturned the vehicle on XX/XX/2019( still within my grace period). About 3 weeks later I received several phone calls from a rude agent named XXXX from Nissan Collection department stating that I was late on my lease payment and that I needed to pay the amount owed within the next few days. I explained to him that my monthly bill was always being deducted automatically from my bank account, I had made all my payments in full and on time, I also informed him that the car was returned back in XX/XX/2019. He was adamant that I owed the monthly payment, and the car was never returned to Nissan. After going back and forth with me for several minutes I decided that I didn’t like the tone at which he was speaking to me and I wanted to speak to someone else. Finally another agent got on the phone to inform me that the dealership did not finish the paperwork for my lease return and as far as they know I owe the monthly payment. Few days later I got a notification that NMAC reported a late payment (30 days past due) to all 3 credit bureaus; at this point, I was livid I called NMAC again the representative told me that I have never been late and he does not know what I’m talking about. All the employees are so rude ( XXXX, XXXX) and do not care to properly answer any of the questions asked by the customer. It is unfortunate that a big company like NMAC chooses to report fraudulent information on people’s credit report. NMAC is nothing but FRAUD FRAUD FRAUD!
09/02/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • 91605
Web
I had an end of auto lease obligation to pay Nissan Motor Acceptance Company back in XXXX 2015. I contacted NMAC via mail and let them know I was out of work and I could pay small monthly payments until the account was paid in full. Without waiting for a response I started paying NMAC {$25.00} a month, sometimes more if I could afford it. They took my payments and applied them towards my account reducing the principal ( {$1000.00} ) and sent me updated statements with the remaining balance. Yesterday, XXXX XXXX, 2015, I received a letter from XXXX XXXX XXXX XXXX, a debt collection agency that required a payment for the alleged debt I owed NMAC. The principal amount was also wrong. Obviously, despite the fact that I keep making monthly payments that I can barely afford, Nissan Motor Acceptance Company hired a collection agency while at the same time taking payments from me. This is not a legal action. They can not sell the account to collection agency when I keep making payments and they take my payments. My account is not in default. This will hurt my credit that I am trying to revive while I am looking for a job. NMAC refuses to work with me on this for whatever reasons. I will not pay the full amount to the collection agency because I can not. It is in Nissan 's best interest to take my monthly payments and get it over with rather than losing the entire money because of poor company practice of handling debt. I know I have a responsibility to pay, and I am very willing to pay it off, but I can not be put under pressure to do so when I am working very hard to maintain monthly payments and find a job so I could pay it off at once and never deal with Nissan again. XXXX of companies work with you on this, they assist you with monthly payments ; however, Nissan does n't train its associates to work with people who have financial hardship and need assistance. Please help me with this issue.
03/21/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • MA
  • 02301
Web
Dear Management/Executive ; Im really worried that some of the information on my credit report on this account about may be reporting inaccurately. I understand that you must have procedures in place to respond to questions about credit reporting. It looks like some of the details that you guys are reporting arent true. For example : Account Type shows Auto Loan when I thought the correct term for this alleged account was credit sale. Also, how is it possible that according to the credit report it shows the Open Date is XX/XX/XXXX and the First Report Date is not until XX/XX/XXXX ; Where are the records of good payment? How about the alledged recent balance? Look at the report, did you see the DATE of STATUS XX/XX/XXXX. - Again, how is possible that the first reported date is XX/XX/XXXX, but the Date of XXXX XX/XX/XXXX ... ..Where the good payment history? Honestly, i'm so concerned about the way this account is reporting with multiple errors, and if it's not fixed I 'may '' hire one of those FCRA attorneys like XXXX XXXX XXXX Anyway, can you please help me understand whats going on? Id like to see the following documents so that I can compare them to the information on my credit report. I would appreciate a thoughtful response from your office. Please dont send me an unintelligible response that doesnt address my concerns. Heres what Id like to see : The complete original alleged promissory note that shows my signature The account transaction history Any required default or acceleration notices The notice of sale document The Calculation of Surplus or Deficiency letter Any additional finance contracts including those related to insurance or finance products The buyers guide The purchase order Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note Thanks for your prompt attention to my concerns, XXXX XXXX
06/12/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • WA
  • 98225
Web
So I have been contacted almost every day and multiple times a day about my car loan. The first time I answered I tried to get transferred to a supervisor and while on hold I was hung up on. So I immediately XXXX the number and most people said it was a scam ( as they ask for your social security number before you can talk to someone ... not to mention you can barely understand who youre talking to ) I repeatedly kept getting calls. Hadnt answered after that and I never received voicemails. I never received anything about it in the mail. Two years down the road I applied for a mortgage. My credit was horrible and the guy trying to get me a loan told me it was my car loan. He told me I should call Nissan to get clarification on the 25 late payments ... as Im sure Ive payed every month the correct total. ( Its been on auto pay since the day I bought my car ). They tell me A year into my loan I missed one payment. Im still not sure how thats possible as Ive set up auto pay years back .... and they can see Ive made auto pay payments months after that ... so somehow my payment for 1 month wasnt processed and now for the past two years Ive been apparently making ( auto pay ) late payments. It has taken my credit score down further than I even thought it could go.. and now Im terrified I will never be able to fix it and get a mortgage. Ive tried to disputed it through the company and they continued to call me and not inform me if my request was denied or accepted. Extremely frustrated, I answered again and requested to talk to a supervisor. He told me that my request to dispute was denied because its my fault my auto pay didnt get processed properly. I have gotten nothing in the mail notifying me ... nothing for 2 years!!! Now they will not stop calling me and Im apparently stuck with a big bill of late fees and a horrible credit score that I feel is incorrectly reported.
05/18/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • CA
  • 91360
Web
I ended my lease with Infiniti XX/XX/2016 through a trade into XXXX. XXXX paid off my final 4 payments and disposition fee for a total of {$2000.00} on XXXX/XXXX/2016. This included 4 payments@XXXX for XXXX - XXXX 2016 and a disposition fee of {$390.00}. I had ACH on this loan and additional payments drafted on XXXX & XXXX as I did not cancel the ACH to avoid any potential credit issues if XXXX did XXXX close my lease on time. I contacted Infiniti in XXXX to see what the hold up was with ending my lease and to seek a refund for the 2 additional payments tha were drafted after the time of XXXX being paid off by XXXX. I was told I needed to remit a final odomometer reading statement to close out my account. This was faxed on XXXX/XXXX/16 & XXXX/XXXX/16. I called several other times within XXXX to XXXX to seek my refund and was advised that it could take XXXX weeks to generate an end of lease lyability statement. I once again called XX/XX/XXXX to seek the refund and was advised that the end of lease statement will be expedited to a Manager as it should have generated by now and I was assured it would be completed by XXXX XXXX. I call again on XXXX XXXX as no such letter has yet been generated. I spoke with another Manager who advised they will seek my refund and try to expedite the letter. As of XX/XX/XXXX still no letter available and no refund received. I was assured by the Manager that they will call me back with an update on XXXX and no call was received. The car was returned over 3 months ago and yet I still do not have a refund for my 2 payments that were overpaid as well as anything else that Infiniti may owe me. Please look into this and help me obtain my refund plus any additional recourse tat I may have against Infiniti. I was a loyal customer of Infiniti for over 10 years and leased XXXX vehicles through them and would have expected to be treated more fair.
10/03/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • TX
  • 75038
Web
I trade in XXXX Nissan Atlima for purchase of XXXX Nissan Altima. Sale was finalized XX/XX/XXXX. As of today XX/XX/XXXX XXXX Atlima payoff loan has not been paid to XXXX XXXX XXXX. The payoff amount {$23000.00} which include trade in value XXXX negative equity of XXXX that was financed with new car loan. XX/XX/XXXX I was told check had been process and received by XXXX XXXX XXXX. XX/XX/XXXX went to Texas XXXX XXXX XXXX and I talked with XXXX in fiance . I asked XXXX, if XXXX Nissan Atlima payoff loan had been paid to XXXX XXXX XXXX XXXX because I received phone call regarding XX/XX/XXXX payement. XXXX stated, " he could n't answer that question because accounting was closed, that he would give me a call on XX/XX/XXXX regarding payoff ''. XXXX did n't call me until I called him and left messages. When XXXX return phone called, XXXX stated ; " that check was processed and receive by XXXX XXXX XXXX XX/XX/XXXX ''. XX/XX/XXXX returned to Texas XXXX XXXX XXXX regarding check being paid to XXXX XXXX XXXX for payoff amount of XXXX Nissan Altima because I received another call about XXXX payment from American Credit Acceptance. On XX/XX/XXXX I talk with XXXX in fiance he research some information, printed off some paperwork. XXXX then stated ; " he would contact accounting on Monday XX/XX/XXXX and give me a call. XX/XX/XXXX XXXX returned my phone, " stated that check had been processed and receive by XXXX XXXX XXXX XX/XX/XXXX '' for me to call XXXX XXXX XXXX to see why payment had not been process and applied to my account. XX/XX/XXXX I called XXXX XXXX XXXX regarding payment history update. Of course, I was told No check has been received from Nissan Motor Acceptance/Texas XXXX XXXX XXXX. I had been told different information regarding payoff for traded-in XXXX from personnel of Texas XXXX XXXX XXXX. This is very unprofessional business from this company.
08/07/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Termination fees or other problem when ending the lease early
  • CA
  • 91307
Web
I traded my 2015 XXXX XXXX lease two month early of contract for a new 2019 XXXX XXXX lease. Infiniti of XXXX XXXX the Dealer promised to waived the last two payments on my 2015 lease per the program offered at IFS. I received a bill for the two payments from Infiniti Financial Services for the two payments left on my lease. I contacted both IFS and the dealer to explained that I was promised this would be waived if I trade my two months early of contract. The dealer Infiniti of XXXX XXXX Finance Manager and Infiniti Finance Services personnel both agreed that it was a mistake on their part and that I was NOT responsible for this balance. Two months, nothing was done, I received notices from Infiniti Financial Services demanding payment for the balance. I contacted again, both the dealer and IFS to find out why they still did not process the waiver for the two payments. I was told every time that is being handled by a different personnel or department and not worry about. Three months later, I received a collection notice from a third party collection agency that my account was in default. I contact Infiniti Consumer Complaints and was told someone will handle my account XXXX. Nothing has been done. Every single time, I get transfer to someone new. The General Manager at Infiniti of XXXX XXXX continues to blame Infiniti financial and stating that they are suppose to waive the two payments and that since this was not been done that he will have their accounting department send a check to pay off the balance. Another 30 days go by, nor the dealer or Infiniti Finance Services have done what they promised. Now whenever I contact the dealer Finance manger or General Manager I get a voice mail. Infiniti Finance Services and the Dealer have been giving me the round around for almost 5 months. My account still shows unpaid and now in a third party Collection Agency.
07/11/2017 No
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75019
Web
I submitted complaint # XXXX with the CFPB on XX/XX/XXXX on NMAC regarding an erroneous repossession. That issue is still being resolved. They offered to reduce my payment by extending my loan, make 2 payments to get me current, and waive all late fees due on the account. I received a follow up voicemail on XX/XX/XXXX around XXXX from XXXX ( one of the managers that is trying to help me ). He stated they are still waiting on my updated contract to be processed ( this was offered as a result of the aforementioned complaint # ).

The next evening XX/XX/XXXX, I got a call from NMAC at XXXX, which is in violation of FDCPA laws and protection. " XXXX XXXX '' ( her business name ) called and I asked to speak with her manager. She transferred me to " XXXX XXXX '' ( his business name ). I told him about my situation and he validated in the notes. He confirmed all late fees were gone and that they received my {$410.00} on XX/XX/XXXX, which was n't due untilXX/XX/XXXX. He also stated that they did not have my paperwork ; I advised him of the voicemail I 'd gotten the day before stating they were still processing the new contract. My funds did n't process, since my payment amount has still not been corrected. However, I ca n't speak for why the call was placed after XXXX.

I contacted the CFPB again on XX/XX/XXXX to advise of the late collection call. I was advised to submit a new complaint and that I could n't " add on '' to my existing complaint. I do n't want to have to deal with Nissan 's aggressive collection tactics, especially if I am the one reaching out for help, or in this case I 'm finally current. I do n't like dealing with offshores agents that are allowed to provide fake " business '' names. I only want the manager XXXX or his boss ( I think her name is XXXX ) handling my account. He is the only one that is following up or watching the account.

01/18/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • VA
  • 23156
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from XXXX XXXX XXXX XXXX and/or it's attorney ( s ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. There are four auto loan accounts missing from the year of XX/XX/XXXX-XX/XX/XXXX. Two are Nissan Motor Acceptance Corp accounts. One was a used vehicle under {$15000.00} purchased approximately XX/XX/XXXX and the other was a new vehicle purchased in XX/XX/XXXX. The other two vehicles were purchased in the XXXX XXXX, VA area from the same car dealership. Both were new vehicles. However, one of those vehicles was leased and the vehicle was in possession for four years, which was the leasing term, then traded in on the XX/XX/XXXX vehicle with NMAC. The two vehicles purchased in XXXX XXXX, VA were purchased between XX/XX/XXXX-XX/XX/XXXX and then in XX/XX/XXXX. One or more other lender ( s ) may be XXXX or XXXX XXXX XXXX and/or XXXX XXXX or XXXX XXXX XXXX. Respectfully Submitted, XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX
01/17/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • LA
  • 70726
Web
I got into an accident a few months ago and as far as I knew the insurance company and gap insurance were supposed to take care of the loan. On XX/XX/XXXX the insurance company sent the dealership a check of over 10,000 dollars to pay on the vehicle. We have continued to receive calls regarding this account, and today I spoke to someone who identified herself as XXXX XXXX who was very rude, stating they never received the payment and GAP insurance wont kick in until we do. She also said that the check of over 10,000 would not cover any past due amounts I.e. what we havent paid since our car was totaled. I asked why and she got frustrated with me, not understanding my actual question which was simply why wouldnt the insurance check cover the past due amount and kept telling me GAP doesnt cover past due amounts, which was not what I was asking. I tried to explain my question to her and she told me I wouldnt get anywhere with this conversation if I kept talking over her. I asked for her supervisor, whos name was XXXX, who then got on the phone and explained she saw nothing wrong with the conversation on her end, as she sits next to XXXX XXXX and didnt hear her get loud. I asked the same questions, which werent answered by the supervisor either. Who also became rude with me. I asked to be removed from the call list, saying that I would prefer to deal with this on my own than be treated poorly by debt collectors who wont answer my questions, or even try to understand them. She then said that we wouldnt be able to be called by the GAP insurance either and we would have to contact them. All in all I still have no answers, not to why they havent received a check that was sent to them a month ago, or why Im being held responsible for payments that were after the date of the car being totaled, or why the check from the insurance cant cover those payments.
02/03/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • LA
  • 70503
Web
To Whom It May Concern : I started paying extra on the loan on XX/XX/2018. Then I notice the payment amount going down and the due date getting further away. On the first occasion I spoke to the company, Nissan motor acceptance corp, the rep told me that my extra payments were being applied correctly and that if I payed extra it went to the principle. I asked why does my payment amount change and the due date get further away. He gave me an unsatisfactory explanation about some customers like that so if they need to pay latter or pay less they can. I told him I didn't want this, I didn't ask for this and I wanted my bill to go back according the loan contract. It did not, as you can see in the attached documents, the payment keeps getting less and the due date further away. In my opinion, they are doing this to trick people into paying less so they can earn more interest. This should not be allowed, I have a loan contract and they should be bound to follow it. I called again and told them I wanted to see how my payments were being applied, and they sent my an amortization schedule instead. And as you can see, it is the same payment amount and the same due date every month. This made me more suspicious that they were hiding something. So I called back and made sure the rep this time understood that I want to see how my payments were being applied and the interest paid, the accounting in other words. When I got that, as you can see, the interest payments go up and down. It should be going down continuously not up and down like this. I feel Nissan is not applying my extra payments correctly, not applying the payment consistently on the same date, and they are not following there own amortization schedule. I need someone to look at this that knows how this should be, it just doesn't look right to me. Thanks for the help. Sincerely, XXXX XXXX
08/25/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • SD
  • 57108
Web
On XX/XX/2020 I contacted Nissan Finance to buyout my lease. They told me I had to contact that dealership. I contacted them the same day, the Finance Manager told me to come in later in the week. I went in on XX/XX/XXXX to discover that my account was blocked and they couldn't " ground '' the vehicle into their dealership. I called Nissan Finance 12 times in the course of this and left messages with supervisors and nobody would call me back. Finally I heard back on XX/XX/XXXX that they got it " grounded '' and to come in and sign the paperwork. I went in and they told me I owe {$10000.00} to buy out the vehicle. This number is incorrect because on top of the lease payments I made and in the course of the lease term I made an extra {$14000.00}, so that when my lease was up I would have it paid off. I showed the Asst Sales Manager my Payment History on my account at Nissan Finance after I logged in and showed him. He agreed it should be paid off and the {$10000.00} was not the correct amount. He then made more phone calls to which nobody has been a help. Now here it is, XX/XX/XXXX and I'm still not able to receive my title from Nissan because they didn't apply all my payments to my account accurately at the time it was blocked ( for whatever reason. Still not sure why it was ever blocked ). Since I don't have my title to my car I'm unable to get the South Dakota license plates to the state that I moved to a few months ago. XXXX County Treasurer wants a copy of the title before I can get my SD Plates, and since Nissan has no idea what they are doing I'm unable to get my Title. I called Nissan Finance again today and left messages and nobody calls me back. I've emailed Nissan and nobody returns my emails. Customer Service is unable to help me and tell me it needs to be escalated to a supervisor and they drop me to the supervisor 's voicemail.
07/15/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 78332
Web
In XX/XX/XXXX, Nissan Motor sent me my account to a collection agency and listed it as a charge off, without notifying me. Upon contacting them as to find out why my credit report was listing a charge off with them, they told me XXXX had finally submitted payment in full to them for my XXXX XXXX ( which had been totaled in an accident ) and the remaining balance was sent as a charge off. I asked why I had not been notified in order to pay the balance in full or make arrangements. I have never been late on any payment with any company. I continued sending payments to Nissan to pay for my XXXX even when it was totaled and I was the one staying in constant contact with them. For Nissan to think it is okay to list customer accounts as a charge off is no way, shape or form ethical. I have tried settling this disagreement with both Nissan and the major credit reporting agency ( XXXX ) to no avail. XXXX has said it must be Nissan who requests the removal that is affecting my credit. I have attached proof of making payments to Nissan even when I no longer had my car, I continued paying in order for a situation such as this not to occur. The statements you will see note the electronic payments of {$400.00} deducted by Nissan from my account every month. This year ( XX/XX/XXXX ), I even spoke to a supervisor at Nissan in the credit collections department asking what could be done to remove the negative charge-off affecting my credit. I was told to pay the balance in full and the charge off would be removed. I even received a written letter from Nissan stating this would happen. I paid the balance in full and still Nissan has refused to remove the negative charge-off from my credit report. You will see my past credit history reports excellent credit up until the events leading to this situation. You may contact me if you have any questions at XXXX.
03/06/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • GA
  • 31208
Web Servicemember
They repossessed my car, which they had the right to do so since I was in the V.A. Hospital for an elongated period. The problem I have with them, when they repossessed the car, they broke the law in the process. They broke into my mailbox ( XXXX XXXX XXXX, XXXX, Georgia XXXX ) and took a piece of mail from my school ( pictures enclosed ). My neighbor saw a young heavy-set black female breaking into my mailbox. My neighbor asked, what are you doing? She lied and said I was her uncle, and I had misplaced my key. Later when I came home, the woman who fits that description walked up to me and asked my name. I asked why. She lied and said the mailman put my one-piece of mail on her door, and she is returning the letter to me. The same letter she stole earlier. The mailboxes are in the front of the complex. The mailman doesn't put our mail on the door. A couple of hours later, my car got repossessed. It is a classic case of false statements and false representations. The next day I noticed my mailbox lock was broken. My mail was all over the parking lot. I called Nissan regarding this issue and the gentleman who answered told me you people never pay you all bills. You people! That is a XXXX connotation the slave owners used to degrade slaves. I am an XXXX XXXX Veteran who fought for this country. I am a XXXX XXXX XXXX XXXX, and Nissan Financial is treating me like the lowest scum on this earth. I think not. I have many personal items in the car, including my bookbag, my laptop, tools, and clothes. All they had to do is knock on the door. I don't expect them to act honorably once notified. Nissan Corporation and the repo company is complicity to defrauded, deceived, and duped consumers under the guise of unflinching XXXX discrimination. Nissan has betrayed the public trust. They keep giving me the run around regarding my items.
03/05/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • GA
  • 30046
Web Servicemember
I signed a contract with XXXX XXXX XXXX on XX/XX/18. I am XXXX yrs old. I was under the impression I was getting a good deal on a car. When I got home my daughter and POA told me I was driving a base model car and over paying for it. I was stuffed into a XXXX car payment for 72 month with outrageous fees for example, one that totaled XXXX alone. I was told I was getting a limited edition vehicle when it was a base model vehicle. My daughter called and spoke to XXXX XXXX about the issue and was told the vehicle couldn't be returned due to the 3 day return Law by the State of GA. I decided to keep the car and get it refinanced. On the XXXX I received texts and calls from the dealership that financing wasn't secured and I needed to bring the car back after I was told I did receive financing and the vehicle couldn't be returned, that I was approved for financing. I talked to a Federal Attorney who informed me I am being what is called YO-YO'ed and I needed to get the Attorney Generals office state involved so I am now informing your office of this dealerships practices and treatment of consumers. The dealership also mentioned I was getting a top of the line vehicle for my money. I have been being harrassed and threatened that I don't own the car, that I didnt receive financing and an approval, told I DID get approved but needed to COMPLETE the transaction? I am confused. When I tried returning the car I was told by the manager XXXX the car can NOT be returned it had been financed I have signed contracts and the 3 day window according to GA State Law had closed, then I was told I could trade out of the vehicle into a XXXX that had been sold after the calls started and after I was told the dealer couldnt SECURE financing all this after I was told the 3 days window had closed to return the vehicle. I dont understand whats going on.
01/14/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92394
Web Servicemember
The letter is dated XX/XX/XXXX, however I just received this notice of a debt collection from XXXX XXXX XXXX for a debt from Nissian. I never heard from Nissian or received anything just this notice that I got from my family today XX/XX/XXXX. It states I owe for excessive wear and tear and unpaid lease payments but I paid all the lease payments and there was no excessive wear and tear to the car. When I turned in the car I was not told of any unpaid lease payments of any kind. I stayed up to date on all payments, therefore this is odd and unexpected. I had an inspection done on the car prior to turning it in. The car was ranked under good conditions, inspection person did state that the rims on the tires may be counted as excessive wear and tear due to minor scratches, however, he did state this can be disputed because the rims stick out past the tires due to the rims not properly fittings the tire size. I called Nissian regarding my concern prior to turning in the car and stated that the rims they installed are not the standard and are after market part which doesnt properly fit on the tires and stick out beyond normal which will cause scarthes for any minor or slight bump on a curb or just driving on a road that may have loose gravel. I also informed Nissian that if they should try to make me Pay for something thats their fault for installing rims that stick out past what they should the. I want to disput the charges. Nissian never extended me the courtesy to call, email, mail or notify me of their intent to charge me for anything. They sent this to collection without giving me proper notice, or even giving me the chance to resolve the problem. I heard nothing from Nissian or about this until it was already in collections. This is not fair to me as a consumer. I want an investigation and to take this matter to court.
10/10/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Credit denial
  • NY
  • 11238
Web
I have two leases with XXXX XXXX ( NMAC ). I have made every payment on time on both leases up until this past XXXX of 2019 where I made one late payment on one lease and two late payments on the other lease due to an unexpected family emergency. Since then ( XX/XX/2019 ), I have made all of my lease payments on both cars on time. I even paid the late fees associated with the previous late payments. Now I have a new born daughter and I am trying to get approved for an apartment to accommodate my growing family. But I keep getting denied because of the late payments posted on my credit report and my score has decreased significantly because of this reporting. I contacted XXXX XXXX to explain my situation to the representative and even a supervisor but to no avail. I was told that they do not do courtesy removals of missed payments on credit reports and/or scores. I then asked them what am I supposed to do because with the addition of my daughter I need a better living situation and with the missed payments, it has become hindering to me to be able to get suitable living. The response was a long pause and then an " I'm sorry but we are not able to help you ''. To not continue to have inquiries pile up on my credit report and affect my scores, I have refrained from applying for anymore apartments. But my obviously my family situation has not changed. I still need to have adequate living for my family and my current living arrangement is not good enough. I just feel so helpless. I have been a very responsible person when it comes to my payments and because of one emergency unexpected event in my life where I could not make a payment, I am being punished for it. I'm sure a situation like this has happened to and/or can happen to anyone especially including those who work for XXXX XXXX. But they still showed no compassion.
11/29/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 78620
Web
Nissan hit me with a 30-day late fee for my car payment. What had happened was Nissan FAILED to send me a bill, so I forgot to pay it. It was my understanding that they are required to send me a bill every month for my loan. We called Nissan and explained what happened - they said they would waive the late fee and would make sure that the late payment did n't show up on our credit report. Not only did it show up, but it shows up as two 30-day late payments. I called Nissan to discuss, and they said " ok, we will review your complaint and send you a letter with our determination within 30 days. '' I never received anything in the mail or via email, and was never contacted about it again. This is the only derogatory item in my credit report - goes to show that my creditworthiness is outstanding, and that I had no reason to miss car payments. I have over {$15000.00} of available revolving credit, and I 'm utilizing less than 5 % of it. This incident does not accurately reflect my creditworthiness, and I feel that Nissan has been dishonest with me and has not acted within the bounds of the Fair Billing Act and the Fair and Accurate Credit Transactions Act in its dealings with this situation. In my credit report, it says " late dates : XXXX - 30 [ days ] '' however, it lists two 30-day lates under " number of 30-day past due payments '' - please see attached screenshot of my credit report. There is also innacurate information showing under trended data for XXXX 2016, when a full payment was obviously made but not fully and correctly reported. If Nissan Motor Acceptance Corporation has a record of the phone call, the call was likely made from XXXX of XXXX numbers : XXXX or XXXX. Please contact me for further information if needed. I have nothing to hide and will fully cooperate until this is handled property.
05/20/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Termination fees or other problem when ending the lease early
  • 78247
Web
Hi, I went to buy a New Nissan after my Lease was up, this is like my 10th lease, I know how this all works. My credit was 720, the finance officer came back said it dropped to XXXX? I said why? .well they said you have to have a XXXX to lease. I got upset, left, went to XXXX to look, XXXX said they would lease me a new XXXX truck. I went back to Nissan they said well, we will pay off the vehicle but if you want to lease again with us we will waive the XXXX credit score minimum with us but..if you Lease again with us we will pay all the fees related to any overages up to XXXX on your old vehicle if any. I was under mileage by XXXX miles!! I had No Overages. I then went to XXXX. They said we have great deals on XXXX. So I said what about my credit? They said No issues. I said let 's do it. I went to review my credit report and found that Nissan Closed my account 2 weeks before my lease was ending, that is what Hurt my credit. They lied to me at the Dealerdhip, I called Nissan. They verified they closed the account before the lease was over apologized, they then opened the account back up? How can they Close my account before the auto is returned? And, then open it again? Hurting my credit already? I went to finance Mgr, at Nissan, He was Gone. The Sales person Gone. The New Sales Mgr told me, they Nissan were doing this to get individuals to Lease New Nissans!! Hurt my credit so I can only Lease thru them only, Really!! That is Fradulent!! Illegal!! This is Not right!! I now get paperwork from Nissan that I owe for over Mileage Wrong, Ware and Tear, Wrong, and that they now want me to pay Fees that by their own admission are wrong due to them Fradulently trying to trap, entrap customers by illegal processes. Something must be done to ensure this does not happen to customers!! Its not fair or right!!
12/01/2020 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Charged fees or interest you didn't expect
  • VA
  • 20147
Web
My name is XXXX XXXX, on XX/XX/XXXX I go to the XXXX company to buy a XXXX car that I saw on the website for {$21000.00}, the seller XXXX XXXX confirmed that that was the price, for the hour they brought me the XXXX XXXX car I went to work and on XX/XX/XXXX I went to pick up the contract, on XX/XX/XXXX I communicated by email with the seller XXXX indicating that he is not satisfied with the contract, he told me to please go to the store to explain, I went to the store on XX/XX/XXXX told me that there was an error, it was charging me USD XXXX for maintenance plan, that they would call the bank to fix this and send me the new contract. Days passed and I had no response for the e, XXXX, he sent an email to the seller and he did not respond, on XX/XX/XXXX I sent him a text message on his cell phone, I asked him if they had any answer, he told me that his financing The manager told him that it was already resolved and that the bank had already deducted it, that they did not have that document because it is a correction and that the bank has it, which is not true. I receive the account statement, monthly payment {$470.00}, I contact the bank and they tell me that the debt is for XXXX, you sent that agreement. It is not the first time that I buy a car with this company, this is the fourth car and obviously the last, I feel cheated and discriminated against for being XXXX, if you say a price on the web you can not charge USD XXXX XXXX more in taxes and others expenses They charge me for things that are not correct, they put XXXX dollars in maintenance plan that they have never charged me before in previous cars On the website it says a price and at the time of settlement they give you another, they do not know how to explain why the extra charges, taxes and services can not charge more than {$7.00} XXXX
06/29/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30458
Web
Over 30 days ago, I mailed off a Notary Presentment, Affadvavit of Truth, Debt Validation and Cease & Desist Letter, and an Invoice via certified mail in regards to an alleged debt. Nissan Motor Acceptance Corporation received these documents on XX/XX/2021. On XX/XX/2021 I submitted a CFPB complaint in which NMAC responded with nonfactual information. Nissan Motor Acceptance Corporation is in violation of 15 USC 1605 ( c ). A finance charge is defined as the sum of all charges, 15 USC 1605 ( c ) states that property damage and liability insurance is supposed to be included in the finance charge. Nissan Motor Acceptance did not include my insurance in the finance charge. I had to buy and pay for my insurance separately from the finance charge. Pursuant to 15 USC 1611, Nissan Motor Acceptance Corporation can be held criminally liable and be fined for no more than {$5000.00} and imprisoned for one year or both for failure to disclose and willfully withholding this information. Nissan Motor Acceptance Corporation is in violation of 15 USC 6802 which is my right to opt-out. Nissan Motor Acceptance Corporation did not notify me of this right, which is required. Not only did they not notify me of this, but they are also reporting nonpublic personal information to non-affiliated third parties without my permission. XXXX XXXX and XXXX are nonaffiliated third parties that Nissan Motor Acceptance Corporation is reporting this alleged debt. Nissan Motor Acceptance Corporation is in violation of 15 USC 1635. 15 USC 1635 is my right to recession. The right of recession applies to any consumer credit transaction in which a security interest has risen. Nissan Motor Acceptance Corporation did not disclose this right to me and is held no only held criminally liable, but also civilly liable pursuant to 15 USC 1640.
08/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33614
Web
On XX/XX/XXXX I returned the leased XXXX XXXX XXXX to XXXX XXXX location on XXXX XXXX XXXX XXXX Florida with required Vehicle Condition Report and was provided at end of visit form named Nissan Motor Acceptance ( NMAC ) /Infiniti Financial Service ( IFS ) Vehicle Return Receipt and Odometer Statement ( dated XX/XX/XXXX attached ). I was under the impression that IFS would remove the open status on all 3 Credit Reporting Agencies to a returned/closed status with balance. Today XX/XX/XXXX XXXX Credit Reporting summary is open with incorrect balance {$7400.00} under NMAC/IFS instead of collection status under their hired third party collection agency named XXXX XXXX XXXX ( XXXX ). I have submitted disputes to IFS Credit Bureau Mgmt Team as requested with my findings to include my financial institutions which are XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX bank statements of their posted payments ( attached ). I have disputed that my account status be updated to closed/with updated balance numerous times through XXXX Credit Agency ( attached XXXX screen shot ). But to much dismay, NMAC/IFS continues to insist account resolved by creditor without any change to remove the monthly billing {$820.00} that they show open account status with those green dots which reflects I'm in good standing with them, even as reports by NMAC/IFS since XX/XX/XXXX ( see attached XX/XX/XXXX XXXX Report ). The mistake prevented me on several occasions to be declined for re-finance and the third party collection agency XXXX name does not appear under collection column of the Credir Reporting Agencies. I did receive a letter dated XX/XX/XXXX from XXXX XXXX XXXX which states they are allowing me 30 days to receive and review enclosed documents, at which time they XXXX intend to resume collection activities ( attached ).
11/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60304
Web
Due to me losing my job in XXXX, my vehicle was repossessed by NMAC. My personal belongings were kept & even though, I tried to get my personal belongings back I was unsuccessful. To my understanding the vehicle was sold & then I started getting letters from XXXX XXXX XXXX Offering me a settlement. I agreed & paid the settlement in XX/XX/XXXX under the terms that NMAC would delete the negative remark from my record ( verbal agreement ). Upon checking my credit report NMAC has not deleted the item from my credit reports. NMAC only updated my credit reports to settled for a lesser amount. I have been disputing with the bureaus & NMAC to delete the information from my credit report. Now every time I do a dispute NMAC add remarks to my credit report ( so in other words NMAC goes in & out of my credit report adding remarks ). Can they do that? Now the vehicle was repossessed around XX/XX/XXXX & when I look at my credit report its still being reported as L ( which stands for charge off ) for the years of XXXX, XXXX & XXXX. I thought that after it was charged off in XXXX NMAC were supposed to stop reporting. Why is NMAC still reporting years later?? I wrote NMAC in XXXX & XXXX & my cries to get NMAC deleted from my credit report has fallen on deaf ears. I called NMAC & complained & was asked did you get it in writing that NMAC would delete the negative remark from the credit bureaus, I said no, I didn't know I needed to get it in writing. I was appalled, because the customer service representative said we can't delete anything. Irregardless of what NMAC is saying & doing they reneged on our verbal agreement & kept my personal belongings that were in my vehicle. I specifically requested that NMAC be deleted from all 3 credit bureaus so that nothing negative would be reported on my credit report!!!
01/17/2017 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • NJ
  • 08844
Web
I returned a lease ( XXXX XXXX ) XX/XX/XXXX, the car was sold at auction XX/XX/XXXX in XXXX. The plates were never returned to XXXX by the XXXX XXXX dealership, when the car was sold it appears the plates were still with/on the car. XX/XX/XXXX, I received a parking ticket for the vehicle that I have not owned for 3 years. After contacting the leasing company they issued me a letter stating the above so the court ( XXXX, NJ ) would dismiss the ticket. Separately I contacted XXXX via their Customer Advocacy Office in XXXX, requesting them to mark the plates as lost. They declined indicating I was no longer listed as the owner ( even though the plates are still in my name ) and that request has to come from Infiniti/Nissan. After weeks of back and forth calls with Infiniti/Nissan, they said they will only provide the previous letter issued and advised I should report the plates as stolen. Technically the car was not stolen, but the license plates are being used illegally. I was told Infiniti/Finance checked with their legal department and declined my request, I asked to speak with someone in that department and was told they would not speak with me. I spoke with an attorney and she advised filing a formal complaint as Infiniti is clearly at fault for not returning the plates, or catching that they were still on the vehicle when it was sent for auction. As this was my first lease I did not know that I was responsible for returning the plates since the plates were sent to the dealership upon my purchase of the vehicle. Infiniti finance has closed the door on assisting, when all XXXX is requesting is one sentence be added to their letter. I even checked with the local police department to see if they can assist and they advised it was the responsibility of Infiniti to work this out with XXXX.
01/23/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • CA
  • 92841
Web
I have bought a XXXX XXXX XXXX in XXXX and sign a Loan in order to engaged with this transaction. In 10 years never had any issue to make my monthly payment but since XXXX and the coming of The Covid 19 I lost my own business, my client portfolio and encountered some delayed in my monthly payment. Despite using accessible tool offered by Nissan to differ a payment and calling the institution to express my challenges I was reported to the credit bureau for an amount of XXXX dollars postponed payment. Moreover my contract has now matured and I am about 2 months to finalized the payment of the car note. Nissan Auto acceptance are forcing me to pay something I was not aware, something I was not informed, something I was never explained to calls final interests. As a client I felt trapped and abuse in this circumstance as do no allow client to access to customer service for complains via e-mail or phone, moreover Never had a performance review in 11 years on this Loan, Communication by staff # XXXX not legally appropriate ( professional vs public person ) Agent XXXX mentioned that all this was my responsibility to follow up on this matter and calculation of interests, XXXX could not help me out but to ask to send a letter of complain to their legal team using the post office services.Financial Institution like Nissan should have in their operating system a performance review on XXXX with client or at least some form of communication during the end period of the Loan. I am asking your expertise and experience to review this very abusive case asking to pay XXXX dollars over my normal payment that I have made with consistency the last past 11 years. Nissan make feel abused, XXXX and XXXX on their very manipulative strategy which is way more regulated on the Mortgage Industry for example.
08/01/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • FL
  • 33014
Web
End of Lease issue. Nissan, see attached, wants me to pay another month beyond my lease end. Also wants me to pay for other fees I do not understand. When I tried to work with my dealer to turn in my car, they mishandled working with me to get a new car. So I bought XXXX elsewhere. In the meantime I called and scheduled the inspection company to come and inspect my car. The inspection company estimated my excessive wear and tear at about {$210.00}. I then drove my car to the dealer and dropped it off. This process took about three weeks and I spoke to Nissan three times about how long the process is taking to get the car disposed of. I kept them in the loop. The XXXX call I made to Nissan was with with an abusive representative and demanded I pay another month for keeping the car. I told him I do n't want the car and had trouble working with the dealer. I hung up on him. In the meantime I bought another car and had the old Nissan at my house while waiting for the inspection company. I paid for car insurance on the Nissan while in my driveway with my new car. After a month or so I received an invoice for over {$1000.00}. Remaining rents due plus excessive mileage plus disposition fees. I paid the excessive fee of {$200.00}. I did not pay the remaining rents due and I asked them for a copy of my contract that said I also owe a {$390.00} disposition fee. I do not remember the dealer talking about this when I took out the lease. They sent me another bill showing the payment of {$200.00} and then I received a collection saying my account has been placed for collection. I guess they are not going to send me anything related to my request for information on the disposition fee and they ignored my plight regarding working with the dealer to get the car turned in. Please help. XXXX XXXX
10/10/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • CA
  • 94568
Web
On XXXX XXXX, XXXX, I signed a lease for a new vehicle. The dealership made errors on the paperwork multiple times, and the paperwork was not finalized until XXXX ( XXXX ). Our payment due date per the Lease contract was on the XXXX of each month, but because the paperwork was not finalized, we never received a Periodic Statement ( required under Regulation B ) for the first month. At the end of XXXX, we finally received a Periodic Statement dated XXXX/XXXX/XXXX showing a due date of XXXX/XXXX/XXXX, showing the total amount due as {$440.00} ; the amount includes 2 monthly payments ( XXXX and XXXX ) of {$210.00} each, and a late fee of {$10.00}. There are two Regulation B violations here, one of which I was able to rectify by contacting the company 's customer service phone number. When I alleged a Regulation B violation, the customer service representative did not know what Regulation B was, but nonetheless agreed to waive the late fee of {$10.00} on the XXXX payment, and remove the late fee from my credit report. Second, I asked that my due date for XXXX be changed to XXXX/XXXX/XXXX, which is 21 days from the date of the periodic statement as required by Regulation B. The customer service representative, their supervisor, and the supervisor 's manager all refused this request saying that it was not possible. They informed me that I could exercise a lease option to change the due date ( an option which I only get once ). I informed them that the due date change should not count as my request, and that instead it is the earliest due date allowed by regulation. The manager was combative, telling me that " regulation B is your regulation '', and that his system would not allow him to change the due date for 1 month, or to not count the change as a request per my lease option.
01/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 20774
Web
I have submitted 6 disputes to XXXX about Nissan Motor Acceptance account. XXXX is the only credit bureau that is inaccurately reporting the information pertaining to this account and it is now showing deliquent on my credit report. My XXXX credit report is significantly ( more than 30 points ) lower than my XXXX and XXXX credit reports because of this inaccuracy. Dispute 1. XX/XX/XXXX Dispute 2 XXXX XXXX, XXXX ( closed in 2 hours ) Dispute 3. A second on XX/XX/XXXX Dispute 4. XX/XX/XXXX Dispute 5. XX/XX/XXXX Dispute 6. I also next-day mailed in a dispute with verifying documents to confirm the invalidity that the account was resolved with receipt from the collection agency. This was mailed on XX/XX/XXXX. The issue : This debt is being double-reported. I have confirmed with Nissan that the debt was sold to collections on XX/XX/XXXX. However, Nissan never reported to the credit bureau that the debt was sold, nor did the collection agency report receiving the collection. The following year, I called Nissan to pay the debt on XX/XX/XXXX and the debt was no longer in their possesion, I was provided with the collection agency 's information and resolved the account with the collection agency. I noticed in XX/XX/XXXX that this debt is still showing on my credit report as outstanding from Nissan and I disputed it with XXXX. Since then, my credit has plummetted because the Nissan account was updated to reflect the dates of outstanding payments from XX/XX/XXXX to present, ( even XX/XX/XXXX has reflected no payment ). This account needs to be removed from all credit reports in entirety. Nissan is falsley reporting information on my behalf and the credit bureau is not doing diligence to investigate this inaccuracy despite receipts and factual documentation being provided.
12/12/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem extending the lease
  • TX
  • 77406
Web
My employment was impacted by COVID-19 when my prior employer had a reduction in force of approximately 75 % of the staff including me in the second quarter of XXXX. Unfortunately, I have been unable to find employment, however I have continued to make my lease payments. I attempted to make my XXXX installment, but was informed that my lease had matured and was threatened with having my vehicle forcibly taken. I have been a longtime Nissan/Infiniti customer, owning or leasing 4 prior vehicles. I shared with the representative that due to the pandemic affect on me financially, I can not purchase this vehicle nor purchase another vehicle, however I can continue to make lease payments. My lease had in fact already been extended by 3 months and my prior Infiniti leased vehicle was extended by 12 months. The rep stated they could only provide additional extension if I purchased or leased another Infiniti vehicle and that they would not provide any additional COVID related assistance and stated that if I did not return the vehicle by XXXX, the vehicle would be subject to picked up. It is extremely unfair that Infiniti will extend my lease if I purchase or lease a new vehicle, but is unwilling to provide a short term extension of the lease otherwise. Considering the unprecedented pandemic we are dealing with the fact that I will continue to make lease payments and that Infiniti previously extending my prior lease by more than 12 months simply by me making a request, it makes no sense that they are unwilling to do the same here and it feels like they are targeting COVID-19 affected consumers. Their action will cause me considerable harm and I am asking that they extend my lease by 3 to 4 months to allow me time to either purchase the vehicle or end the lease and return the vehicle
03/12/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • TN
  • 37066
Web
Thursday, XX/XX/2019 I called XXXX Nissan of XXXX about a vehicle I was interested in online. I spoke with a salesman named XXXX. XXXX and I negotiated price over the phone and I made clear my intentions were to make a down payment of {$10000.00} on the vehicle and finance the rest. XXXX had to get approval from his manager but in the end he came back and told me his manager approved the deal. Friday, XX/XX/2019 My wife and I drove to Nissan to purchase the vehicle based on the agreed deal. Our salesman, XXXX had stepped away to make copies of our driver licenses and print the paperwork. He was gone for a pretty long time and eventually another associate came over to our desk. This other gentleman begins to explain how he can not allow us to make a down payment on the agreed upon price of the vehicle because, " we wouldn't make enough money on the deal. '' I argued and pushed back because I was told the manager had approved the deal knowing my intent to put money down. In the end, I agreed to purchase the vehicle anyway, because I wanted/needed it. We eventually made our way back to the finance manager, XXXX to close our loan. I told XXXX what happened and he shrugged it off like it was no big deal and even said, " Oh yea we have a new sales manager out there who came from a dealership in Florida. He won't let anyone with good credit make a down payment. '' The next week or so ... I called Nissan USA Consumer Affairs to make them aware and they created a ticket so that someone could follow up with me. A man named XXXX called me and explained that since the dealership is privately owned they couldn't really do anything about it, but that he would send it to the dealership directly so they could contact me. No one from the dealership ever reached out for resolution.
07/01/2016 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MD
  • 21108
Web Servicemember
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
10/17/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • LA
  • 70072
Web Servicemember
My wife bought and car from XXXX XXXX XXXX back in XX/XX/2016. The car was lost due to flooding three years later ; the insurance company totaled the car. When my wife called to file a gap claim, she was told there was no gap policy on record.she then call the lender, Nissan motors, and they gave her a gap policy number, which was invalid. My wife and I had to go to the dealership to try to resolve the issue of the lender telling us we have gap insurance on the car and the Gap company telling us they have nothing on file. I was confused cause I know we sign the paper that says we purchase and accept Gap insurance for the car. After 4 hours waiting outside, the personal from Nissan said they found out the contract. It was two different contracts for this deal. The first was a sign and had Gap coverage on the car, along with the paperwork that was signed that said we accept and purchase the gap for the car. The same paperwork the lender had, which was how they produce the policy number that they provide us. So for some reason unknown to us, the first contract which was already signed was voided. The salesman told us they made a mistake, which is understandable. Not knowing they took the gap insurance off the new contract without our approval or having signed a new paper stating that will decline gap insurance. We were under the impression that the car had gap coverage because we sign the paper stating and acknowledging that, yes, we want the gap insurance on the vehicle. The salesman removed the gap to get the deal through. We were never told that the gap coverage had been excluded from the new contract. I always heard about the horror stories of car dealerships and their predator like tactics. I just never thought I would be a victim of it.
04/11/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • TX
  • 78753
Web
On XX/XX/2020 I logged in to the Nissan Motor Acceptance Corporations ( NMAC ) website to look at possibly paying off my car loan. After logging into my account I immediately noticed that their website indicated my account was past due. My next due date was XX/XX/2020. I have never been late on a single payment with NMAC and have never received any communications to such effect. I looked through my payment history provide by NMAC on their website and their records confirm such statement. I logged into my account on XXXX XXXX XXXX and verified my payment for XXXX processed on XX/XX/2020. Then how is it that my account has showing past due when the due date hasn't passed. When I called NMAC to inquire, the response I was given was " oh that is how our system works, because we haven't received your payment yet, in anticipation of your due date passing our system shows your account past due. '' When I pressed harder I was advised by the agent on the phone that there was nothing she could do about it. So NMAC is making an assumption that my account will be passed due even though I always pay ontime or before AND they have no idea that my payment is actually in the clearing house processing. This is an egregious misrepresentation of the status of my account. This is fundamentally WRONG, working in the financial services industry I first hand know that you can not represent an account past due until such time as the due date has passed AND no payment has been received. In the current environment as a result of COVID19 actions such as this would push many people over the edge. I have attached screen shots from NMAC of my account status and payment history, as well as a screen shot from XXXX XXXX XXXX showing my payment had been processed.
07/07/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • LA
  • 70118
Web
The last payment on my note was due on XXXX/XXXX/15. On XXXX/XXXX/15 I received an email from Nissan Motor Acceptance Corporation ( identical to the emails I have received every month prior ) stating that my payment would be due on XXXX/XXXX/15. This email stated : " If you are currently enrolled in XXXX of our automatic payment programs, your payment will be automatically deducted. '' I have been enrolled in the automatic payment program for some time ( possibly since the inception of the loan ) so I naturally assumed that my last payment would be automatically deducted. Today I received an email from NMAC stating that I have an overdue balance. I called NMAC and explained the situation to a customer service representative. I was told that the last payment can not be automatically deducted and must be paid directly. I told the representative that I had not received any correspondence informing me of this policy and that I had, in fact, received a statement saying that my payment would be automatically deducted. I was told that this information is " usually submitted via the email information we have on file. '' I responded that I had not received any correspondence from them and, therefore, would like the interest to be deducted from my account. I was told that my balance was " not negotiable. '' I then asked to speak to a supervisor. After being put on hold for several minutes I was told that a supervisor had been found and that my call was being transferred. At that point I was put on hold again and, after a lengthy wait, my call went through to a mailbox ( extension XXXX ). Instead of leaving a message I chose to call the extension again. At that point my call continued for several minutes unanswered before it was disconnected.
04/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77077
Web
This company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX has false advertisement going on at their location. They have consistently invited me to come down to see if I qualify for a vehicle, and advertising that they are able to work with any circumstances. This is not the truth they are practicing false advertisement. The person that the company has making these false advertisement phone calls goes by the name XXXX XXXX. The manager is XXXX who is completely aware of these false advertisement phone calls. I came to the dealership and began to feel pressured to let them run my credit. After finally agreeing for them to run my credit one time under XXXX XXXX they took the initiative to run my credit three or four times without my consent. I have worked extremely hard to get my credit in good standing. I would not like to play around with my credit to try somethings just to see. Either I meet the qualifications or I don't. I was approved for a {$28000.00} Loan and still did not leave with a brand new car. I spent almost 5 hours at the dealership for nothing. Time I could of spent working instead of being lied to. This company needs to stop false advertising to get people to come into their branch just to play around with people 's credit information. The issue came about when they advertised that they would give a very high percentage over the XXXX XXXX XXXX value. Had they honored their advertisement then I could of had a new car once they took my trade-in, processed the loan, and type the contract. However, they did not honor their advertisement so I just walked out like I came in. Actually it was a couple of more people there and no one drove off in a new car, because they are false advertising to get customers to screen.
11/04/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • PA
  • 17931
Web
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.
07/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11701
Web
I purchased a prepaid extended warranty and maintenance package from Nissan on XX/XX/XXXX, when i purchased my vehicle. The warranty was for a 2012 XXXX XXXX VIN XXXX Warranty # XXXX Application # XXXX. The plan expires XX/XX/XXXX or 100K miles whichever comes first, but unfortunately the car was totaled in a car accident on XX/XX/XXXX. I was informed by a Nissan rep that they would refund me a prorated amount, which will be sent to the Lien holder ( NMAC ) and the amount would be credited against the principle of my loan. When i spoke to Nissan Consumer Affairs they stated they'd send NMAC {$660.00} and it'd take 2-4 weeks. When I called NMAC 4 weeks later they hadn't received anything. On XX/XX/XXXX I contacted Nissan consumer affairs ( Case # XXXX ) and they stated they were working with the policy administrator to investigate the status of my missing refund check. Then on XX/XX/XXXX they emailed me stating the check had been reissued to NMAC and it'd take another 2-4 weeks. I assumed it was taken care of until i obtained a credit report and saw that NMAC had me in collections for {$660.00}. I tried disputing it through the 3 major credit bureaus but NMAC kept stating the debt was accurate. Finally I filed a report with the XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX NMAC admitted to them that they sent the check to the wrong place and stated they would credit my account for {$670.00}, leaving me with a {$0.00} balance. I accepted this response and patiently waited. It never occurred. I tried disputing it again through XXXX, this time with the report from the XXXX XXXX XXXX, and NMAC refused to revise my credit report, and added even more damage to the report by stating my payments were late from last year to present.
09/20/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • AR
  • 72079
Web
We purchased a car through Nissan Motor Acceptance Corporation on XXXX/XXXX/XXXX and scheduled our first payment to be due on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, we enrolled in SignatureDIRECTPAY by printing the online form and submitting to XXXX via XXXX as instructed, for automatic monthly payment deductions. It states on the website " It is important that you continue to make payments on your account until you receive a notification letter with the start date of your payment deductions ''. XXXX processed the form on XXXX/XXXX/XXXX. We did not receive a confirmation letter via XXXX but it states on my XXXX account under the Payment Dashboard section " You have a SignatureDIRECTPAY of {$650.00} scheduled for XXXX/XXXX/XXXX ''. As of XXXX/XXXX/XXXX they had not deducted the payment from my account so contacted customer support and was told " XXXX is scheduled to start on XXXX/XXXX/XXXX, so you would need to make your XXXX payment manually '' and " XXXX is activated within 15 days of us receiving the automatic payment documents ''. The customer service rep said " Your state has a XXXX window of opportunity '' so an option for me was to wait and see if the payment posted. I have read many forums about how XXXX does this to their customers and how they will charge interest as well as report a late payment to credit companies, which will affect my XXXX XXXX. I setup XXXX to avoid the fee XXXX charges just to make a payment. I looked on my account to see what the fee would be and received a " Additional Payment Warning XXXX '' stating that I had a payment scheduled or in process and to refer to the Payment Dashboard. The customer service rep said his supervisor was not available today but would contact me in XXXX business days.
04/22/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • NY
  • 11758
Web
In XXXX of XXXX I became I'll with XXXX. I was laid off in XX/XX/XXXX when XXXX was shutdown. I then went on unemployment and was taking advantage of Stimulus money to pay my car lease with Infiniti Financial Services until XX/XX/XXXX when benefits were cutoff. After losing 40 lbs I needed food to eat and to get new clothing to obtain a job. After receiving stimulus money in XX/XX/XXXX I was surprised to find my online account was suspended when I tried to get current with the lease by making a payment online. The message after I logged in said please call. I called Infiniti Financial Services who was offensively rude to me. They would not allow me to get current on my lease and told me to drop off my car at a dealer. There were no options offered. They reported me to credit agencies hurting my credit. This poor credit report is affecting my ability to find a new leasing company. I was told my car was going to be repossessed. I want an offer to keep the car and get current on my account. To take away someones vehicle during a pandemic is cruel and unusual punishment to US consumers who want to keep their vehicles. I am now gainfully employed thankfully after the worst year of my life. Please help me compel them to make an offer to keep my vehicle. I have been a customer of XXXX and XXXX for 35 years. I've leased a total of 8 separate vehicles from XXXX ( XXXX ). This is not acceptable behavior towards consumers during these difficult times for Americans. I look forward to resolving this issue with Infiniti Financial and thank the CFPB for helping consumers. I received my XXXX XXXX dose yesterday. The car was critical in receiving medical care for my long hauler conditions and getting XXXX. Thank you, XXXX
11/11/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • TX
  • 76226
Web
I bought a XXXX XXXX on a 3 years lease in XX/XX/XXXX from XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, XXXX TX. At the time of signing the lease, The Representative named XXXX XXXX pushed us to buy XXXX ( XXXX XXXX XXXX ) along with the monthly lease payments, adding an additional $ XXXX monthly into the lease payments. I was already reluctant to purchase the XXXX so two months later I went back to the dealership and asked them to cancel the XXXX and adjust my lease payment so I can pay {$27.00} less every month. They told me we can not change the payment plan but you will be able to get this money back at the end of your lease. I asked them for a receipt or document as a proof that I asked to cancel the Protection plan, So they made me sign a paper, when I asked for a copy of that document I signed, they said No, we can not give you a copy, I insisted and they still wouldn't give me a copy. Then I said I am going to take a picture of this document if you don't give me a copy, and I took a picture. I have that picture and I am attaching it to the complain. Now the lease ended in XX/XX/XXXX and I went to the dealership and had the vehicle financed in my name. At that time I asked them to help with the refund of that money and the sales person said he will get back with me on that. Later on I called him and texted him, he returned the text saying he can not help me with that and I have to talk to a manager. since after that I tried several times to reach and talk to someone at the dealership to resolve this matter for me and pay the money I have paid monthly along with the lease payments for 3 years. Nobody responds to my messages and phone calls. I still have the picture of that document saved in my phone.
11/12/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • LA
  • 70131
Web
On XX/XX/2019, I wrote a letter to Nissan Motor Acceptance and asked for them to verify a debt that they are reporting on my credit reports. This is my right under the FCRA. Nissan did respond to my initial letter on XX/XX/2019, and they said " upon further review we unable to locate an account for you using the information you provided. '' Nissan requested that I send in additional information, such as a social security number, so they could properly investigate the problem. Nissan did assure me that they are reporting correctly, however my rights say something completely different. The law says that I need proof within 30 days of them receiving my request, not an assurance. I did honor Nissan 's request, and sent in an additional letter with my social security number on XX/XX/2019. The 2nd letter was received by XXXX XXXX of XXXX on XX/XX/2019 at XXXX XXXX via USPS certified mail. Today is XX/XX/2019, and I have yet to receive any sort of response from XXXX. We are well past the 30 day response limit, which is mandated by federal law. Nissan Motor Acceptance is currently in violation of Federal Law, and needs to remove this derogatory information from my credit report immediately. As a consumer, I do have the right to verification of debt within 30 days of receipt, and Nissan Motor Acceptance did not provide me with that. They did not even respond to me, so it is safe to assume that Nissan does not have the proper validation or they just would have sent it to me, since it is federal law to send verification upon request. I have attached all proof of my above statements. Please remove this immediately. It is unfair to the consumer to have this derogatory information, and Nissan can't even provide proof.
08/25/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • CT
  • 06710
Web
This is a complaint about a lease with Nissan for a XXXX Nissan Rogue, lease started around XXXX 2010. At the end of the lease, we received a bill in the mail for approximately {$4000.00}! for the following : ( 1 ) It was a 39 month lease. After 36 months, we began looking into another option for a Nissan car to lease, mistakenly thinking it was a 36 month lease. When we chose a Nissan Altima and called up the dealer to put it into action, nobody said to us, " Hey, are you aware that you would be terminating your lease for the Rogue 3 months early if you go ahead with this Altima lease? '' Instead, they went ahead and leased us the Altima and just gave us a large penalty for that. Plus, it 's not as if we switched over to XXXX or something- we stayed with a Nissan . ( 2 ) In addition, they billed us excessively for damage to the car. The car was not damaged at all, barely a scratch on it. There was only minor wear and tear that our damage waiver should have covered. When we asked for a breakdown of the damage, the only thing true on there was that a hubcap was missing ( stolen ). We were supposed to have a damage waiver in return for staying with Nissan, but that was a farce. We were helpless in fighting that because it was their word against ours. ( 3 ) Our final complaint was a property tax of close to {$2000.00}. They never informed us there would be a property tax on a car we do n't own, and even so, that money should be billed to us each year, not all in one large ( unaffordable ) lump sum for 3 yrs total. Why did n't Nissan ever send us a bill over 3 years? We have always maintained a good credit, and this bill ruined our credit, as that sum was too large and unexpected. Please help us!
03/24/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • FL
  • 33021
Web
I took a leaser from Nissan motor acceptance corp in 2006. XXXX XXXX and I agreed to a 36 month lease with me XXXX/XXXX/2006. XXXX Dealer XXXX lied and deceived me wrote the contract at 42 months and did not notify they changed the terms based on what we agreed to verbally. Even though I only agreed to 36 months at {$430.00}. I paid all 42 months and they told me when I moved to XXXX XXXX forced me to double pay upfront taxes I had already paid at the beginning of the loan and now pay {$560.00} per month which was not in my written contract. I was over charged and lied to on this loan. Then after I returned the leased vehicle in perfect condition and they said i didnt owe anything. They have wrote me up on the credit bureaus as a charge off. Then they have continued to lie and give the credit bureaus wrong information dates that are wrong and more recent so the debt stays on my credit report. This company has lied to me, over charged me, lied to the credit bureaus, sent incorrect information to keep a debt on my credit report which has costs me thousands of dollars and effected my ability to rent apartments and get credit. I paid was was agreed and more they lied and continue to deceive the credit agencies to try and collect money they are not owed and seriously negatively affecting my credit for over 5 years. Please contact this company and make sure that delete this charged off debt I have never owed off my credit report. I also want to be paid back all the money i over paid in tax on this loan. I never owed them money. they owe me money. Also this debt is out side of the statue of limitations nissan keeps lying about the dates to keep the debt on my report. That is very wrong and illegal.
07/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • CA
  • 92544
Web
Today XX/XX/18, I called Nissan Motor Acceptance Corporation to discuss my account and asked if it had reported on my credit report as late. The representative rudley said yes, uhhhh your 32 days late. He then asked why I was late but shocked by his rude response it took me a minute to get myself together and respond. I asked if I could make a payment over the phone to bring it up to date and he explained all the fees. Since I felt he was rude i hung up as i could not finish the conversation. I then called back and talked to XXXX who i explained the situation to and he left me on hold for over 20 minutes. I then called back a third time and spoke to XXXX who explained that i can call XXXX and tell them to tell Nissan to remove it. I asked him that if Nissan is the reporting agency, XXXX will tell me to call Nissan so why would I even call them? He then transffered the call to the supervior ( i didnt get his name ) who explained they couldnt remove it and doesnt even know if it has been reported or not since their department doesnt do the credit reporting. I asked if you dont know, why did the first reperesentative tell me that it did? He was not apologetic at all and then when I said it wasnt right for the rep to give me false information, he said it wasnt false which contradicted what he just explained by stating they dont know what is reported as a collection agency. He then was talking over me as i was speaking and the phone call eneded when i told him that it was XXXX. I understand that I was late but the way all of the reps went about it was rude and unprofessional and I will do everything in my power to not do buisness with them ever again and to get my current loan out of their name.
06/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 20903
Web
I sent Infiniti finance an instrument to set off the debt which they accepted but never applied the amount to my account this was back in XXXX of 2020, so the debt has already been satisfied. Pursuant to the UCC 3-603. TENDER OF PAYMENT. Primary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. So if Infiniti finance refuses to accept the international bill of exchange the bill is discharged by payment in due course Payment in by or on behalf of the drawee or acceptor. I am in the process of buying a home and this fraud reporting will affect the process in a negative way but before that report was placed I told Infiniti finance that the vehicle was traded in.
03/01/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • NC
  • 28173
Web
Attempted to buy vehicle out of lease. Nissan Motor Acceptance provided incorrect information on payoff procedure. They informed us that payoff could be handled through their office, when in fact payout needed to be processed through a Nissan dealership. They instructed us to send them a payoff check. Three different individuals provided three different payoff amounts before settling on a final payoff amount. We sent them a payoff check for the agreed amount, which they did not apply. When we called to inquire why they had not applied the check, they did not timely provide information as to why. We specifically asked if the delay would negatively affect our credit. They informed us that it would not affect our credit. However, without sending us notification, they instead reported us late to credit agencies. When we requested that they review our numerous good-faith contacts with them to settle the lease contract, and to review our good payment history, they refused to removed the late payments from their credit reporting. Nissan Motor Acceptance did not provide correct payoff amounts to settle our lease contract. Nissan Motor Acceptance failed to provide correct information or procedures to turn in its vehicle. Nissan Motor Acceptance failed to apply funds that they specifically requested from us, and failed to communicate that they had not applied the funds. Nissan Motor Acceptance incorrectly stated that the delay in processing our payoff would not affect our credit. Nissan Motor Acceptance erroneously reported us late to credit agencies. Nissan Motor Acceptance refused to reasonably review our good-faith efforts to settle the lease contract and correct our credit history.
08/04/2016 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 91342
Web Older American
To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
02/26/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • CA
  • 91791
Web
I purchased a car and financed with the Nissan Corporation. commencing on XX/XX/XXXX with an original maturity date of XX/XX/XXXX. At the start of my car loan in XXXX I ran into some unexpected money issues. I called Nissan Corporation to look into a payment extension. I was informed that yes this was available and that the loan would be extended and the payment would be paid at the end of the loan term. Which meant extending the maturity date.During the life of the loan I took advantage of the payment deferment 2 more times for a total of 3 extensions. Moving my loan form an original end date of XX/XX/XXXX to XX/XX/XXXX. To my surprise at the end of the loan I was hit with a {$1000.00} accumulated interest for those payments. I don't ever remember being told this would happen and would have definitely opted to make late payments on the loan rather than incur large amounts of interest over the life of the loan. I did received letters ea time the payments were deferred and I don't recall seeing anything about the extra account that would be set up somewhere I could not see or access. They have double dipped on the interest. The money was not removed off the account it was simply moved and extended the life of the loan which means they were already collecting interest on the loan amount, and the extra extension time. It was never made clear that there was a separate account collecting and growing in funds. My statement and online account always showed a depreciating amount. I was taken advantage of and could have easily made other arrangements, or made extra payments when I was able to, and I would have not proceeded to extend the loan 2 more times had I been properly informed.
09/01/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • TX
  • 77612
Web
My name is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX. My phone is XXXX. On XX/XX/2020 I purchased a new XXXX from XXXX XXXX XXXX Texas. I traded my the. Nissan in for the new one and financed through NMAC. I was told by the dealership that they would be paying off my trade-in loan right away. On XX/XX/2020, a draft in the amount of {$740.00} was removed from my checking account. This had been the loan amount of the vehicle I traded in weeks before that was supposed to have been paid off. I called the dealership and was told by XXXX in XXXX, TX that NMAC in XXXX, TX said that they were sending me a check for the overpayment. It is now XXXX and I still havent gotten my money back. I feel they are fraudulently withholding my overpayment. I have phoned them countless times since this took place and they have promised they have sent the check. I called when I didnt receive it and was told they sent it to the wrong address. I verified my mailing address with them. Bear in mind that this is the fourth vehicle I have financed through NMAC. I know they have my address becI receive promotional material from them frequently. The people with whom I have spoken on the phone assure me my check has been sent. However, after numerous promises of payment XXXX havent received it. The dealership in XXXX TX is Nissan of XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX. NMAC address is XXXX. XXXX XXXX XXXX, TX XXXX. I truly end my money returned to me as promised. This is so unfair and I feel cheated since I have purchased four vehicles loyally fro. The dealership and financed through NMAC. Please help me resolve this. I am getting nowhere with the dealership or the finance company. Thank you!
10/26/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • IN
  • 46037
Web
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.
04/27/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AZ
  • 85206
Web
To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains a total of numerous late payments reported between XX/XX/2020 to XX/XX/2020 ] for several of my accounts. I want you to know that I understand my financial obligations, and if it were not for the Covid 19 Pandemic, I would have an excellent repayment record. From XX/XX/2020 to XX/XX/2020, I experienced a devastating financial blow from Covid 19 affecting my employment of XXXX years and ability to afford payments to my credit cards and mortgage temporarily. I did reach out to all my creditors to help accommodate during the pandemic, but I now have realized I was still reported in error and was never helped. Prior to Covid 19 I have never missed a payment on none of my accounts and had a 100 % repayment history. I made a mistake in not keeping an eye on my credit as this is the first time, I have used a credit reporting company, but moving forward, I will treat my credit with the utmost importance and have kept my eyes on every update to prevent any future errors. Since then, I have had a spotless record of on-time payments. I am planning to apply for a mortgage, and it has come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for the following accounts. Nissan Motor Acceptance, Car Installment paid off. Dates Reported late XX/XX/2020, XX/XX/2020, XX/XX/2020 2020
07/20/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • CT
  • 06483
Web
I returned my leased XXXX XXXX XXXX before the end of my lease period, on XXXX/XXXX/XXXX, received a lease termination statement from the dealer, and a subsequent end of lease liability statement from Infiniti Financial Services showing {$0.00} net liability. On XXXX/XXXX/XXXX, Infiniti Financial Services sent me a new end of lease liability statement indicating that I owe them {$430.00} property taxes. On XXXX/XXXX/XXXX, I received a collection notice from XXXX XXXX XXXX, XXXX for the same {$430.00}. XXXX has also called and left messages on my home phone. I called Infiniti Financial Services on XXXX/XXXX/XXXX and was told that the tax is for the period XXXX/XXXX/XXXX - XXXX/XXXX/XXXX, and that I owe this tax because the license plates were not turned in and " it is the customer 's responsibility to do so ''. The rep also indicated that someone, though she could n't tell me who, submitted a " lost plate '' affidavit to the state of Connecticut in XXXX of XXXX. I left the car at the dealer, with the plates attached, on XXXX/XXXX/XXXX. I did not receive any instruction indicating that I was responsible for returning the plates, nor did I file the lost plate affidavit, since I had no idea they were lost. I am a senior XXXX XXXX and paid this {$430.00} amount on XXXX/XXXX/XXXX since I can not have this blot on my credit history, however this is ridiculous. I returned the car almost a year ago, paid everything I owed and left the car with the dealer in good faith. I am now being harrassed by a collection agency, not only for something I do n't owe, but a purported debt that was n't even billed to me until 3 days before it was turned over to this collection agency.
07/13/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32934
Web
In the process of obtaining a 7-figure home mortgage loan, I recently had the opportunity to review a copy of my credit report at the XXXX, XXXX and XXXX consumer reporting agencies. Contained therein was an account for Nissan Motor Acceptance under account number XXXX.

Vehicle purchase in XX/XX/XXXX - it was traded in without a single delinquency in XX/XX/XXXX. With that said, the XXXX, XXXX and XXXX credit reports each contained 1 single 30-day delinquency. This reported delinquency negatively impacted my credit score.

I disputed the erroneous late payment with Nissan Motor Acceptance, in addition to XXXX, XXXX and XXXX. It was my contention that this account was never delinquent.

On or about XX/XX/XXXX Nissan caused this account to be " updated '' at the XXXX, XXXX and XXXX to show 31-60 days for the month of XX/XX/XXXX - 5 full years after the account was closed.

My credit score at the XXXX, XXXX and XXXX consumer reporting agencies immediately dropped more than 90 points as a result of a " current '' delinquency being reported. I am now in serious danger of losing my mortgage approval, in addition to a six-figure deposit.

I contacted Nissan, in addition to XXXX, XXXX and XXXX to report the error. Nissan Acceptance advised that the account was reporting correctly and that I should take my complaint directly to the credit bureaus.

I entered a dispute on XX/XX/XXXX with XXXX, XXXX and XXXX but was advised that it would take 30 days to complete the dispute. This is unacceptable. Not only have I never been late on this account, the account is now reporting currently delinquent as if I was late in current time.

08/23/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • FL
  • 34953
Web
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.
09/10/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • MA
  • 01845
Web
On XX/XX/XXXX I met with a sales person who had reached out to me about my lease coming to an end. I told him I was aware of the excessive miles and will be ready to purchase the vehicle unless he can offer me something else. Instead of looking at used vehicles with lesser miles at the same price I would buy my current lease for, I asked to hear about what he can offer me to get into a newer lease. I told him which lease I would be interested if we can work out a deal, he walks off and comes back with an other sales person who offers me a XXXX XXXX at {$570.00} for 39 months and the dealer will cut me a check to pay off the bill XXXX will send me for the remaining of my lease which he said was for {$2700.00}. We agreed on a lower monthly payment. I questioned if the only bill I will receive will be for {$2700.00} and he replied yes never mentioning any other charges or the miles so I agreed to the deal. The bill I received for my previous lease came in for {$10000.00} which included the excessive miles. I contacted the dealer right away to let them know this is not what I spoke about with the original sales person who I made clear what I was looking for. They told me the second person who made me the offer only deals with the car payments. He tells me the other sales man never mentioned anything to him about the miles. I know I was scammed. The first sales person who got the sale did what he had to do to get his sale for the month, I have reached out to him and he wont even reply back to my emails which is very unprofessional if he did nothing wrong. The dealer has done nothing at this point. I called the XXXX and he has not returned my message.
11/17/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • AZ
  • 85298
Web
My name is XXXX XXXX and I am currently a co signer on my sons loan with Nissan-XXXX account number XXXX. My XXXX XXXX XXXX was running late on the payment and I was never notified of this until my score dropped 80 points. XXXX had all my loan information and never contacted me either by phone or mail. When I asked why I was n't contacted they said they did n't have my information from my application. I feel this is unfair and untrue I had filled out all my currant information during the loan process. If they did n't fill it out I feel this is unfair as I am a loan signer and would like to be notified if my son was having financial difficulty. I have a perfect history and never has my son or I ever been late on any payment in the past. This has ruined my ability to obtain a car loan. I have spoke with managers and no one will even give me the time of day. They said they do n't have the ability to remove from my credit report which is not true. I feel they are being dishonest. I do know they have the ability to do a courtesy removal. I could see if we or my son had a history of late payments, but that not the case. I 'm almost feeling they are discriminating as all four people were XXXX XXXX. I am a XXXX women. They did n't seem interesting in helping me. I feel they were being deceptive as well as eager to allow my life being ruined. I would like them to provide a courtesy removal as we both have had perfect credit history. Its almost like they are trying to set us up for failure. All employees were short with me and not willing to work with me. I feel this is unfair. Please help as this has harmed my ability to optain a car loan in the future.
09/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60110
Web
MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
01/31/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • FL
  • 33597
Web
On XX/XX/XXXX I was involved in an auto mobile accident that ended up a total loss for the used XXXX XXXX XXXX loan. I was deeply injuried but I had to leave the next buisness day to arizona for a work project. I submitted all necessary statements and paperwork to the insurance same day. My insurance at the time and still is XXXX XXXX as I have full coverage and gap insurance provided through nissan for peace of mind in which I paid top dollar for, never payment missed. The insurance gave a huge run around not wanting to do the leg work to process this claim effectively and efficiently. They didnt even get out to XXXX, fl where car was transported to look at it to clarify it a total loss till aftet a month. Finally they reported a total loss to nissan but nissan still needed paperwork and to be paid so they could clear my payments. I had to do all the faxing, preparing, and paperwork for both companies speaking hours at a time daily just to get these companies to process the gap so nissan would stop billing me. The same company nissan and location as of XX/XX/XXXX put me in a new XXXX XXXX XXXX and payments were higher because gap insurance still didnt clear off my credit even though it was being processed and bills paid on time and in compliance followed. They have reported my debt to credit charging my gap insurance paid never missed a payment XX/XX/XXXX loan for the amount of XXXX charging me from XX/XX/XXXX through XX/XX/XXXX of me not having the car and both companies in communication. I pay top dollar and bought several vehicles through nissan and have a huge family account there. I need someone to help clear this off, its not valid
05/07/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • NY
  • 10314
Web
On XX/XX/XXXX, I leased a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, NY. It was a lease for 36 months and maturity date of XX/XX/XXXX. The bank was NMAC ( Nissan Motor Acceptance Corp ). On XX/XX/XXXX, I received a mailing to detail the End of Lease process. It asked to provide intention, schedule inspection of the vehicle and return the Vehicle to XXXX XXXX Nissan. On XX/XX/XXXX, I made my 36th and final payment. On XX/XX/XXXX, I had my inspection dome by AIM and no charges were found to be liable by me. On XX/XX/XXXX, I called XXXX XXXX Nissan to schedule the return and they stated they will not take the car back if I don't get a new car from them. On XX/XX/XXXX, I called NMAC to ask to return the car to XXXX XXXX Nissan like the letter stated and they said someone will call me back. On XX/XX/XXXX, I called XXXX XXXX Nissan again and " XXXX '' who didn't provide a last name said that I can not return the car without getting a new car from them. He was the " big boss '' and was not going to take the car back. On XX/XX/XXXX, I called NMAC again and asked to supervisor. I was transferred to someone who gave me an option to extend lease. I declined as I made my final payment and fulfilled all obligations of my lease agreement. I want to return the car. He stated there is no leasing returns being accepted right now. I stated then what I should do with a car that I had paid off my lease and still paying insurance for. He put a request to Mgmt for someone to pick up car. This can take another 5-7 days which will take me to the maturity date and I will be on the hook for another month of payment plus tax for a car I do not want.
08/09/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • GA
  • 30228
Web
On XX/XX/XXXXmy XXXX XXXX XXXX broke down on the interstate. I had the vehicle towed to Nissan of XXXX located at XXXX XXXX XXXX., XXXX, GA. After performing a diagnostic test on the car Nissan contacted me to say a Mass Air Flow sensor caused the problem. I was also advised the tire rod on the vehicle was bent. Nissan repaired the sensor and the tire rod. They then contacted me to say my transmission is bad in the vehicle due to the wrong fluid being in it. I have never had my transmission serviced on the vehicle. The only maintenance performed outside of Nissan was an oil change. Nissan of XXXX had conflicting stories from their technicians. One tech said the fluid was yellow in color while another said it was black. This raised concerns. So after they sent whatever samples off to a lab it was determined it was not the proper fluid. Well my concern is who added the fluid to the vehicle and why was it yellow for one tech then black for another. Where did they get these samples they sent off for testing? Was it the black sample or the yellow sample? Nissan 's Security Plus Warranty Department refused to honor my warranty and will not repair my transmission. My car has never had transmission service, their techs had conflicting stories and why was the transmission issue not diagnosed initially. I believe someone added a bad fluid to the vehicle at Nissan because the issue did not come up until after they had the car diagnosis done a second time. I am still paying Nissan Finance {$500.00} a month on this vehicle until XX/XX/XXXX. The warranty I purchased costs {$2100.00}. Now that I need the warranty they will not honor it. Please assist.
07/28/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 78729
Web
I recently bough a Nissan car that I financed through Nissan. After I bought the car I set up a recurring payment auto-draft through the website. It has an option to pay an additional amount with an asterisk next to it. At the bottom of the page the asterisk is explained " *PURCHASE : Additional amount will be applied to any outstanding charges on your account first and then the principal balance. The regular payment and the additional amount will continue to draft each month, as scheduled. '' The part about the principal balance is in bold on the website. I chose to only set up the XXXX payments as I wanted to pay additional principal with these payments but I was not sure how much additional I would want to pay after the XXXX months. Today I logged in to set up the recurring payment for the next XXXX months and noticed a payment due date of XXXX/XXXX/2016. I called and was informed that my additional amount had been applied to my next payments due instead of the principal. I was told that I could not apply the additional amount to principal with the recurring payment despite what the recurring payment page said. I told them they needed to fix it and they said they would submit the request but that it would take a few days. I was also told that since my payment was due today and that it takes a few days to process the request, my payment for this month would be pulled from the amount I intended to use to pay down the principal. I was then told that future additional amounts to be paid toward the principal only should be mailed with a reference on the check for principal only. All this despite what is says on the recurring payment page.
01/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11106
Web
Hello, Thanks for considering my issues that I have about my credit report. I had a car lease from XXXX from XX/XX/XXXX and the maturity date was on XX/XX/XXXX. I did extend up to three month until XX/XX/XXXX. But right then I flew out of the country on XXXX XXXX to attend my Father as he was admitted in XXXX. He passed away on XXXX XXXX. I couldn't return back right after as the lockdown implemented and flights were cancelled indefinitely. I booked a special flight on end of XXXX and retuned the car on XXXX XX/XX/XXXX. I wasn't paid at my time of absence while I was out and did pay two months lease and missed few month payment since I couldn't afford anymore. While returning, I paid the remaining fee and disposition fee. The vehicle was not drive from the day I was out and I did cancel my insurance for that time period. I have all the proof of my departure and arrival back into the country and my father 's death certificate as well as stamps in my passport. But I've accumulated four late payment marks in my credit report and the credit score dropped significantly. Just because of that, I couldn't lease a car from the same manufacturer or anywhere else. I have also problem in leasing an apartment or anything else that related to credit check. Looks there is no more hope for me in moving forward. Had there was no pandemic or lockdown my situation would be normal like anytime before and I would have been in a different comfortable situation. Things were not in my hands and it just happened likewise for everybody else. I kindly request you to consider my situation and look into this matter for a positive outcome. Thanks.
06/09/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • CA
  • 94582
Web
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.
09/21/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem extending the lease
  • NY
  • 10952
Web
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 ).
08/14/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • OH
  • 44137
Web
My husband and I were in the market for a new vehicle. We decided to go to our local dealership XXXX XXXX. The loan was secured by XXXX XXXX. We decided that we wanted to obtain the loan in both of our names in order to rebuild my husbands credit. We were told only by a miracle they were able to add my husband to the loan but the tier would go up causing the payment to go up as well. We agreed to the terms and moved forward with the lease. XXXX 2017 we were going to trade his car in and went back XXXX XXXX to secure a loan. My husband andd I again wanted the loan in both of our names. We were made aware that my husbands credit was not good enough to do that and that he was never added to the previous loan. When we inquired about it we were told that it was not the dealerships issue and that was the fault of XXXX XXXX. However our payment was increased for no reason for those 2.5 years. They then offered that for the current lease that he could be added for an additional fee. We agreed again. Additionally we never received our loan paperwork nor our manual. When I called XXXX XXXX on another issue, I was advised by the lease termination manager, that my husband was on the original loan and that it was just not reporting to the credit bureaus and then placed a request for this to report. So now my issues are the inconsistencies. I am concerned that I have or are currently overpaying on my loan. Additionally how much have we overpaid in obtaining new credit due to the incorrect credit score? This my 4th car with XXXX XXXX and I am concerned that I am being taken advantage of. This has caused material damage and is unfair.
10/28/2020 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11233
Web
I received an miscellaneous fee on my auto loan some months back. I questioned the amount which was {$50.00}. Once I learned what the charge was for I was ok with paying that amount. My vehicle was held for evidence and I was fully aware that it wouldnt be released until I received an District attorney release. This release would be sent to me and only me. The finance company told me that they provided a lawyer and would see about getting the vehicle released, this is when I was charged the {$50.00} amount. I received 2 more payments and was told after the first one that the amount wouldnt increase especially after I stated that Im not aware of any charges and that there shouldnt be any charges especially when my situation doesnt involve any payment. This situation has been going on for months and as of XX/XX/2020 I finally have an idea of what has taken place especially after the finance company told me the vehicle was held for a DWI which is false and I was being held accountable for towing fees. This again is also false because no charges I would be held accountable for since the District Attorney has possession and would be making the necessary arrangements for the vehicle to be transported to its destination. As of right now the fees are {$760.00} This doesnt make sense to pay especially when I know that no money would be out of my pocket during this whole ordeal. Why would I pay a lawyer hundreds of dollars for information that I have for free. This makes no sense whats so ever. I could see being held accountable for payments especially if I was behind and the company retrieved the vehicle but I havent ever.
07/18/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • MS
  • 39730
Web
The company is XXXX XXXX of XXXX, MS . When I explained that the car was one price on the internet, they explained that this tactic was to lure people into their business. They don't honor the internet price, so I decided to change vehicles. The second one I chose, there were credits that were part of the deal of the loan : {$1200.00} Rebate & {$2500.00} New customer cash. I saw these on the internet and also confirmed them with the office when I talked about financing. I only received one credit of {$1200.00} ( Rebate ) but then it was charged back to me in the transaction. I never received the {$2500.00}. The special ends on XX/XX/18, but I completed my transaction XX/XX/18. I tried to call today XX/XX/18 with no response from the office. I am driving over today as well. Whether I receive the second credit or not, this needs to be known. I have a feeling that my payment was increased because of these missing credits. The paperwork started my payment at XXXX down and 72 months at {$460.00}, but after adding the service plan, my payment increased to {$540.00}. After expressing I didn't want the payment to increase, the salesman explained that I would lose my credits, and my rate would change from 1.9 %, but I wasn't given the bulk of it. Interest rate : 1.9 % Finance Charge : {$2200.00} Amount Financed : {$37000.00} Total of Payments : {$39000.00} Total of Sale Price : {$40000.00} ( This included the Rebate of {$1200.00} ) Cash Price : {$32000.00} Rebate : XXXX Unpaid balance : {$30000.00} Charges pd to others : {$6200.00} Amount Financed : {$37000.00} Financed Charges : {$2200.00} Total Payments : {$39000.00}
02/01/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 70122
Web
There is a {$57000.00} auto loan, on my credit report from XXXX XXXX I have contacted them over and over again. I do not own nor have I signed for a Nissan truck, I asked them to remove the negative item off my credit report, because it is a error and fraud. They said, that they would investigate the matter and I didn't receive any update status etc. The collection account, is just remaining on my credit file and hurting my score and was in the process of doing a home loan and lost the loan, because Nissan, reopened the collection accounts investigation account and re-aged the collection account any score dropped 67 points. This is a case of fraud and poor accounting/bookeeping/poor management, on the part of Nissan. They should know without a doubt, whom they have sold a truck to for {$57000.00}. I never went into the dealership, gave my information, signed and agreement or contract, nor have I co signed or taken or received a truck from their company and it is causing me great hardship and harm. Nissan refuses, to correct their error, on my credit report. XXXX XXXX and XXXX, are required to have a copy of all signed agreements /contracts in hand before reporting any accounts to the credit reports. This requirement, is in place, so that a account, can not be reported, without be verified and have sold proof, that the account actually belongs to the person, it is being reported for. There has been no validation/verification, because there can not be one completed as this is not my truck or debt and none of the parties are showing any professionalism and morals, by refusing to correct a clear and present error.
05/26/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Loan sold or transferred to another company
Web
I submitted a Lease Takeover Document back to Nissan ( NMAC ) which was received by them 30 days late because of the Pandemic. Covid-19 caused large delays in logistics around the world and shut down a large majority of XXXX distributions centers. Overall, the pandemic caused the full lease takeover documents to be delayed by 30 days, however, I was told by a Nissan representative over the phone that I would be granted an extended grace period because of the pandemic ( they would accept the documents ) unless she called to tell me otherwise by end of day XX/XX/2020. She never called me, which i assumed meant we are all good to go as she told me on the phone. The documents were received by Nissan and discarded on the XXXX of XXXX, 2020. I never received a phone call back, I am now living in XXXX where the vehicle is not allowed to be. I can't afford to make payments on the vehicle anymore. I have pleaded with Nissan for months now to please retain the documents as the man taking over the lease still wants the vehicle and I am still trying to have it taken over. Its in everyone 's best interest to file the documents through and allow the transfer to happen. I do not understand why this process has been like pulling teeth, everyone is on board and following the playbook except Nissan. They have been TERRIBLE to work with. I have been struggling with Nissan and this vehicle for over 3 months now fighting on a weekly, sometimes daily basis with Nissan. It is driving me extremely anxious and sad as I have to start choosing between paying the lease/insurance and purchasing food or paying utility bills.
09/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11230
Web
I'm a Customer of Nissan Infiniti LT, I have an Auto lease from them. my account was set up on AutoPay and they were drawing the money each month automatically. the lease maturity date was on XX/XX/2021, so I called 2 times on XX/XX/2021 in order to extend the lease. Nissan approved my lease to be extended till XX/XX/2021. Since the Account was set up on AutoPay I thought they are pulling the money automatically like they did every other month during the time of the lease and since the representative on the phone didn't mention anything about the AutoPay getting canceled. I called again on XX/XX/XXXX, XXXX and I've been told that everything is ok and the representative didn't mention anything about a payment past due and he just said that everything is ok with the account. after checking my credit I noticed a late payment reported on my report for the month of XX/XX/2021. I called Nissan to check what's going on they told me that the AutoPay got canceled since the maturity date of the lease was due on XX/XX/XXXX, XXXX and therefore I'm late for over 30 days. I've been trying to explain to them that when I called the representative didn't mention anything about it and even when I called 2 days after the payment due date I've been told that everything is ok with the account and no action needs to be taken. I never had a late payment on any of my accounts I'm a very responsible person and I understand my financial obligations. please help me fix this issue ASAP. I'm planning to apply for a mortgage and it came to my attention that the missed payment on my record could hurt my ability to qualify.
11/30/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • MD
  • 20852
Web
On XX/XX/2016, my family came over to my place in XXXX, XXXX for dinner before I drive to XXXX. One of family members asked if she could use my computer to pay her Nissan bill. I allowed her to do so. Everything was fine until on the XXXX while I was driving on the hwy and need to put gas in my car. My debit card was not working, I noticed that the balance on my XXXX account was lower than it should be. I found that there were two unauthorized transactions on my account. After I asked XXXX [ my mother ] to add me as authorized user, I contacted Nissan as soon as possible and were asked to help them locate both XXXX and the vehicle before we could move on to the refund process. When we found the vehicle at one of the Nissan dealers in XXXX, I contacted the same Nissan employee to inquire about the refund but could n't get her to pick up the phone. I left many voice messages but she never returns my calls. I also reported to XXXX but Nissan told XXXX and me to give them 45 days but they never response to my complaint. I would like to point out that the vehicle was n't under my name and never authorized anyone to use my bank account to pay for the transactions. Nissan should have protected me and refund the money after my first call and should n't have asked me to help locate the vehicle or the person in the first place. These are the transactions info obtained from XXXX : 1. # XXXX XX/XX/2016 {$1200.00} [ this amount included {$20.00} XXXX fee ] * 2. # XXXX XXXX/XXXX/2016 {$1500.00} [ this amount included {$20.00} XXXX fee ] * I 'll deal with XXXX fees on my own, please exclude that amount.
09/24/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Confusing or misleading advertising
  • PA
  • 19154
Web
On XX/XX/XXXX, I contacted XXXX XXXX concerning a XXXX XXXX XXXX advertised on their website and spoke to a sales agent by the name of XXXX XXXX in which I informed him I would like to trade in my existing lease ( XXXX XXXX XXXX ) in for a XXXX XXXX XXXX. During the initial discussion, I inform XXXX I was already approved with XXXX XXXX with no money down and they would accept the trade in and send me off in the new XXXX waiving any other fees thanks to promotions sent to me and my wife to continue our relationship with Nissan. XXXX confirmed all Nissan promotions offer thru XXXX would also be honored @ XXXX. Currently this would make me and my wife 4th lease, so we are completely aware of how this should go at this point. However, currently I am being billed for the previous XXXX indicating a balance of {$800.00} after leasing the new XXXX XXXX XXXX. At this point, Im being put in the middle of Nissan Motor acceptance Corporation and XXXX XXXX each blaming the other. Nissan corporation XXXX XXXX entered the new lease incorrectly not showing it as a trade in or apply any of the promotions discussed. XXXX XXXX says they had no way of knowing the remaining balance on the lease but only received information from Nissan corporation that 2 months were remaining. I even put {$1000.00} down to which Nissan Corporation states not seeing the check sent to them concerning the car. Please assist with waiving the remaining balance as I have a new lease and shouldnt have accrued any penalties due to the trade in due to special promotions via mail ( which also still is coming to me as well XXXX.
12/18/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MA
  • 01984
Web
On XX/XX/2019 an automatic payment was scheduled to be debited from my XXXX XXXX account, by Infiniti Financial Services. My Bank shows that no such debit was ever attempted. On XX/XX/2019 Infiniti reversed the payment and mailed me a letter which stated that the bank asserted " No Account Found ''. However, this account was used for previous payments without any issue. On XXXX XXXX I was notified that there was a problem with the payment by Infiniti and at the suggestion of Infiniti used an alternate account to make the payment. I was out of the country until the XXXX and was unaware of the problem. Infiniti credited my payment on the XXXX of XXXX which was 31 days past my due date. I discovered that Infiniti reported me to the credit bureau ( s ) as being 30 days late. I contacted Infiniti and received the assurance that if I provided them with bank documentation showing that the account had adequate funds to pay the debit on the XXXX of XXXX, they would remove the 30 day status. XXXX investigated the matter at my request and wrote a letter which showed that the account was in place with adequate funds but that they never received a debit request. Despite meeting the requirement to demonstrate that the error was not mine, Infiniti has steadfastly refused to correct the reporting. I have spoken to numerous managers and sent letters demanding that this matter be corrected. They continue to refuse. They do acknowledge that my account was in good standing at XXXX with adequate funds but state that since it was not there fault they can continue to report my account as past 30.
01/09/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Credit denial
  • MN
  • 55125
Web
Nissan Motor Acceptance Corporation is functioning under unfair practices that have affected my credit to get a lease thriugh XXXX dealerships in XXXX XXXX in Minnesota. The lease was denied under false pretenses in which my credit was suppose to be fixed wit prior complaints against NISSAN for a fraudulent loan on a XXXX nissan Altima. I am referring to denial number # XXXX, from XXXX in XXXX XXXX XXXX Minnesota .... The car was eventually paid off ( IE. NISSAN RELEASED THE TITLE ) and the title was sent to me, however, the Nissan has continued to make it difficult for me tio get a new car and a lease through them. The title was released by them and through their discretion, and the down fall of all of this my credit and inability to get another lease for a brand new Nissan Rogue which would be much cheaper than to purchase a vehicle outright. I was denied a lease and also suffered credit reporting 's, therefore affecting my ability to get a lease. the decision that NISSAN made to surrender the title to that vehicle and to also make multiple late payments to my credit report, despite the over indulged equity has cost me. It is false advertising to keep on record a surrendered title to me and to deny me of credit without Ccearing up my credit report and also taking that off of my credit file at NISSAN Motor Acceptance Corporation. In other-wards they are inadvertently admitting that they made mistake with the origination of the car loan, but are not clearing that mistake, therefore having me suffer the consequences of their decision. This inadvertent action is costing me about 5,000.
06/29/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CA
  • 95129
Web
XX/XX/2020 XXXX XXXX Called IFS to extend payment due to COVID-19, per their webpage. Spoke to XXXX. He extended month of XXXX. Next payment XXXX Two weeks later, I'm getting collections calls about past due payment. 4-6 per day from a number not on the IFS website. When I answered, agent only knew my name and type of car and said " you know why I'm calling. '' On Monday, I called IFS : XX/XX/2020 XXXX XXXX Logged into portal. Saw payment extension wasn't there. No record of it. Called IFS. Spoke with XXXX. Note : I asked to confirm her name and didn't get a response, I didn't think anything of it at the time. She indicated she did see my call and agreement to move to XXXX. Claims she updated the system and it should be reflected by Friday on Portal. I asked what if not? Said it would be and apologized for the inconvenience. I said I don't trust this conversation given my last experience and that this is not an inconvenience, this is a failure. Who can I talk to? Then, I hear a sound that sounded like being hung up on. I stayed on. Feels like a trick to get me to hang up. About a minute later she came back on the line and said, " I thought I lost you. Please hold for a supervisor '' without being given a chance to say a thing. After about five minutes of waiting for supervisor, I hear : " Thank you for calling Nissan Motor '' then beep beep beep, hung up on. The XXXX website has several reviews with other consumers having similar issues. Also worth noting that the account number shown on their portal can't be copied, making it more difficult to fill out this form.
06/07/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • MD
  • 20772
Web
I financed a XXXX Nissan Altima from Nissan Motor Acceptance Corporation ( NMAC ) in XX/XX/XXXX. I also purchased GAP and other warranty products at the time of purchase. On XX/XX/XXXX I was involved in a car accident in which the vehicle was totaled. My insurance paid most of the car balance off with NMAC except for approximately {$1500.00}, which comprised of the GAP premium and warranty package. I filed a claim with the GAP company listed on my loan documents from NMAC which put me through a series of hoops in order to fax them paperwork every week only to not review it for another whole week and send me a letter via mail each time they requested new information. I would not receive a call related to my claim or any direct communication. I spent over 3 months trying to have the remaining loan balance paid off with NMAC. I even requested to just have NMAC place the remaining balance onto the new car I financed with them in XX/XX/XXXX. They declined. Instead they insisted on allowing my GAP claim to be denied for charges that were only there due to me even purchasing the GAP and extending warranty to begin with. Had I not purchased these products that in no way helped me in the way they portrayed that it would if I ever was to find myself in this situation, I would not have a remaining balance on this loan. Since I had to purchase a new car after totaling my car I could not afford to continue making payments on the XX/XX/XXXXloan, thus it has affected my credit significantly. I feel this practice of selling GAP products without fully explaining how they work is a total sham. I
08/18/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • TX
  • 77375
Web
This is second complaint relating to XXXX XXXX XXXX XXXX and Third Party Attmepting to repossess my car after arrangements were made. The Third Party is continually breaking peace laws. On XX/XX/XXXX, Nissan called me to make a XXXX XXXX payment. I was seeking legal advice. The XXXX was in the garage. I called Texas OCCC, FTC, and CPRB Around XXXX a XXXX Truck parks in front of my yard. From XXXX to XXXX a XXXX truck with dark tint went back and forth. I waived the XXXX truck off stating that the car is in garage. Around XXXX I was fearful that the person in truck will come in my garage. My children age XXXX and XXXX were scared. Around XXXX my daughter puts a stick and chair to the door due to her fear. Around XXXX I called the police due to my children were in fear and couldnt go to sleep. XXXX Police pulled over the XXXX truck after several calls were called in. XXXX pm the XXXX truck is pacing in front of the home with screeching tires. I became fearful. XXXX there was taping at my window. My children were crying. I was afraid to call the Police out. Around XXXX the XXXX truck stop speeding by. Nissan and The Third-Party Recovery Service has violated the following TDCA ACT : On XX/XX/XXXX The XXXX truck rolls up and down the street. Speeding again. Neighbors come out. Around XXXX XXXX The XXXX Truck with a fleet of 3 calls. Someone yells out get a job in my yard. I went outside and they speed off. My XXXX year old and neighbors across the street heard This breaking Consumer Rights Acts. My child and I are afraid. I sent a notice to Nissan to sue due to breaking my rights.
03/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 37072
Web
This was a co-signed loan for my niece. She paid off the loan in 2020. They removed the amount 3 times in her bank account and refunded once. NMAC told her they had recently switched to a new payment system and there was an error on their part, they would get it corrected. My niece had to pull her bank statements to show where the payments had been made and they finally corrected the mistake. When I pulled my credit report on XXXX, they had reported that the payment was 60 days passed due and it has pulled my credit score down. I called the customer service number and they denied that they even reported to the credit bureau and there was nothing showing on their end to even report as late. They refused to correct the inaccurate information and when I explained that I needed that in writing they refused again. The first customer service rep. was XXXX ( refused to give any more info ) He also said there was no manager there and refused to give corporate info. The second was XXXX and when I explained I would like to record the conversation since they would not give me anything in writing, He refused also. I called XXXX in the corporate office after having to XXXX the number and she suggested at first to transfer me back to customer service, I explained the responses I had already gotten and then she suggested that I call the dealership where we purchased the vehicle originally, I called and XXXX ( manager ) said there was nothing they could do, they had nothing to do with Nissan 's finance dept. I went back to my credit report online and clicked on the link to dispute this.
01/13/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • AR
  • 72719
Web
I made a payment saturday XXXX/XXXX/XXXX. My car was repossessed that day. We immediately tried to phone Nissan but they were closed. We called monday XXXX/XXXX/XXXX and notified them there was a payment made saturday for {$800.00}. They said there was n't any record of it and they said it would take XXXX business days to post. On their website it states it takes XXXX business days to apply payment, which should have been XXXX/XXXX/XXXX. I made another payment to them for the remaining balance on XXXX/XXXX/XXXX of XXXX, which was supposed to be enough to clear it. Both payments cleared my bank on XX/XX/XXXX.Then they proceeded to say they required proof that the payment was paid by my bank in the amount of XXXX as even as off today XXXX/XXXX/XXXX they show no record of it, so I called with a tracer number for the payment but they refused that. I then faxed a statement from my bank showing the payment posted and the amount still that was insufficient. I 've now been told despite the fact the money has been withdrawn from my account that my checking account now has to show a positive balance. I have overdraft protection on my account. all the payments have been paid. but yet they will not release the car so that i may pick it up. every time i call them the requirements that i must meet to gain possession of the vehicle change. and in the meantime I 'm left with no transportation and no money. i believe they are stalling so they may then auction the car as everyday it sits there storage fees continue to increase. this car should have been released on XXXX/XXXX/XXXX.
04/15/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • KS
  • 67230
Web
My lease with Nissan ended XX/XX/2015. We turned in the vehicle as we were supposed to do. We were told that we would receive a statement within 6 weeks. We did not. My wife went online and paid the amount showing as owed for the disposition fee using their online payment system. A couple of weeks later, my wife noticed that the payment never went through. She tried to log back in but it said the account was closed. She then mailed the payment in to the address listed on their website. That was returned as undeliverable. At about the same time as the payment was returned, we received a letter from XXXX XXXX XXXX XXXX saying the account was placed with them for collection. I called Vital and was explained our attempts to pay, and was told to contact Nissan. I contacted Nissan ( NMAC ) and was told I had to have the payment in the next day or would appear on my credit. He said that he could not take a payment over the phone. I was told to log into my account and make the payment, which I did. The payment still shows as pending. The manager, XXXX, told me that it was due the day before, and that it may have been reported on my credit report. I explained everything that happened and that we had repeatedly tried to pay this off but due to NMAC 's problems the payment keeps being rejected. He said the payment should go through today or next Tuesday. I asked if it will appear on my credit report and he said it may, since it was due yesterday. I told him that if it does appear on my credit report, I will sue NMAC. He said that he would make a note of it in my record.
09/18/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • PA
  • 19382
Web
I purchased a vehicle from Infiniti of XXXX XXXX on XX/XX/XXXX. I purchased the vehicle new as stated on my contract and MV1 Title application. On XX/XX/XXXX I tried to trade my vehicle in and was informed the value of the vehicle was diminished because it had damage reported to the XXXX on XX/XX/XXXX. I was not informed of any damage at the time of purchase and according to the PA New Car Damage Disclosure Act, It was mandatory that the dealership have me sign off on any damage at purchase. I attempted to reach out to the dealership and give them the opportunity to make it right. XXXX the General Sales Manager said that they " had a new finance manager and mistakes happen ''. He offered me {$34000.00} as a trade in value. That is not acceptable to me. I did not go into the transaction purchasing a damaged vehicle. I purchased a new car with no damage, or so i thought. I would like the dealer to pay off my car ( approx {$29000.00} ) plus return to me my down payment ( cash and trade in value {$19000.00} ). I tried working with the customer advocasy department at Infiniti Finanacial since they funded a deal on a new car with damage and no signed XXXX report disclosing the damage. I contacted them on XX/XX/XXXX and on XX/XX/XXXX XXXX contacted me back to let me know she heard back from the dealer and they arent willing to do more than the {$34000.00} ( under Manheim Market Value ) XXXX XXXX offered to do on XX/XX/XXXX. This dealer broke PA state law, mislead me into thinking this was an undamaged vehicle and now wants to make more $ on me for their mistake.
04/29/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33647
Web
On XX/XX/XXXX my lease with Nissan ended ... A month after, Nissan sent me a final bill with a mileage and tax balance of {$3200.00}. Within a couple weeks, XXXX XXXX XXXX ( hired by Nissan ) began calling me to collect payment. Early XXXX I spoke with XXXX XXXX XXXX and Nissan to get confirmation that I can pay XXXX XXXX XXXX directly for my Nissan bill, Nissan approved because the bill was in collection with XXXX XXXX XXXX. After speaking to XXXX again, the option was presented to SETTLE IN FULL for {$1900.00}. I immediately called Nissan to re-confirm ( they record calls, please feel free to check ) that I could pal XXXX and NOT get any negative marks of my credit report. They said if I am agreeing to SETTLE IN FULL, that no negative marks would be placed on my credit report. On XX/XX/XXXX I paid XXXX in the amount of {$1900.00} to SETTLE IN FULL ( I have the settlement letter ). On XX/XX/XXXX I received a statement from Nissan requesting the remaining balance left after paying the {$1900.00}. Nissan told me to disregard the bill since I settled in full. XX/XX/XXXX, I get an " N '' ( negative remark ) on my credit report from Nissan, as if I had not paid them or I still owed a balance. I contacted them and they placed me on the phone with several people who were clueless to why anything negative was attached to my credit report and nothing has been done. At the time, I was in the process of refinancing my home, and could not because of the immediate and drastic drop in my credit score. Please assist! XXXX Acct # XXXX / Nissan Acct # XXXX XXXX XXXX
02/01/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • IL
  • 60564
Web
on XX/XX/XXXX I bought a certified pre-owned XXXX ( XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX. I was shocked to find that there were {$2400.00} extra charges in my contract buying the car which are summarized as follow : 1- The purchase price of the car we agreed and I signed for was {$13000.00} before applying the rebate I was surprised that they added the rebate to the purchase considering that should be the price after the rebate is applied not before the rebate? A {$450.00} more than the price we agreed upon. 2- In the contract I was charged an extra {$790.00} as an charges for the bank to process my loan, but after my communication with the Nissan Acceptance Cooperation ( NAC ) I figured out that my interest rate for the loan is 0 % ( my credit score is XXXX ), and there were no extra charges collected by NAC to process the loan. I asked for proofs to justify this {$790.00} charge without any response from the manger or the team. 3- Also, the dealership added the XXXX protection Package for {$1200.00}, which is useless, and they refused to remove it with any benefits that might be associated with it from my contract. 4- the copy of the contract the bank has is different from the copy of the signed contract that I have, which actually can make the copy of the bank invalid. 5- The car has other mechanical problems and the mechanical report was shared with manager without and response. In summary, In addition to the cars mechanical problems, the totally amount that I am disputing is ( {$450.00} + {$790.00} + {$1200.00} = ) {$2400.00}.
08/06/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • NY
  • 11946
Web
On XX/XX/XXXX I 've purchased XXXX Nissan Altima at XXXX XXXX XXXX in XXXX, NY. We agreed on cash price of {$12000.00} and after my down payment of {$2400.00} I financed remaining balance via Nissan Motor Acceptance Corporation bank for 72 months. At the time of purchase I did not notice that car dealer added Extended warranty/service charge in the amount of {$2100.00} as well as Maintenance fee in the amount of {$890.00}. Later on I have reviewed Nissan retail installment contract, because I was planning to refinance this loan, since I had better interest rate offered to me through XXXX XXXX XXXX XXXX, and noticed above mentioned charges. I 've called a dealer and was told that I can cancel it and get refund check, but I 'll have to come in with vehicle ( 1 hour drive ) to sign Odometer and Damage disclosure Statement as well as Dealer Cancellation request form which I did on XX/XX/XXXX. After that I have placed numerous phone calls to Nissan bank and the XXXX XXXX and inquired about my refund check. I did not get any phone call back from the dealer at all. Bank 's customer service acted like they trying to help me, and started Special Investigation on this issue, but they could not proceed, because dealership did not return their phone calls too. Until today I have not received refund on services, I never requested. I have refinanced this loan with XXXX XXXX for much better interest rate since, and until today I still wait for refund check or explanation phone call from XXXX XXXX, Finance Manager from XXXX XXXX in XXXX, NY, on where my refund is.
06/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CO
  • 80817
Web Servicemember
On or around XX/XX/XXXX I received a call from a PI regarding my auto lease of a XXXX XXXX XXXX. Account was not late, I was provided the incorrect account number by an overseas representative. I was facing a repossession for payments that were made to an account that was not mine. I was promised all late fees were going to be removed as well as the derogatory marks made on my credit. I was told over a recorded line by a rep in your repo department that I should place the car in my garage until the payments can be taken from the account I paid and be credited to my account. He said this would take 24 hours. I had to call out of work the next day so my car did not get repossessed and I could leave it in the garage. I drove around hopeless for 2 hours on the phone as I feared stopping the vehicle and getting it taken from me for making my payments. Fast forward, my lease is messed up and the account stays in a derogatory state. They made me make a payment the night I spoke to them but the payment was always a month behind. I understand there was excess wear and tear and over mileage on the vehicle. On the bill there is a repossession fee ( vehicle was never repossessed ), late fees that were promised to be waived, and one remaining payment which was made. I am not willing to pay these fees. I will be willing to pay the mileage and wear and tear fees at a settled amount to remove the balance off my credit and show the lease as 100 % satisfied. I have done multiple disputes with nothing back. The information shows different on each bureau as well.
07/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MA
  • 02081
Web
I got pre approved online for a vehicle on XX/XX/XXXX. I scheduled an apt to go into the dealer on XX/XX/XXXX. I had all my paperwork, and was ready to buy a car. The offer from XXXX directly from XXXX Nissans website said offer valid for 10 days. I scheduled an appointment for the weekend ( 5 days later ) since thats when I wasnt at work. XXXX the sales rep took a look at my phone and said no no no those prices are very wrong ( the prices directly from XXXX Nissans website. ) He continued to try to upsell me and tell me the confirmed offer I had was inaccurate. When I continued to try to show him my confirmation he kept saying things like did you read the fine print and why didnt you come 5 days ago? This was my first time buying a car on my own and I came prepared with my approved finance APR, monthly rate, and all my paperwork to buy same day because I did not want to have to haggle. However he wouldnt honor the rate from my confirmed offer/credit approval and continued to tell me it was not accurate. He said the car had been sold and that they cant hold cars, which is understandable. I was not asking for the specific car with the VIN the dealer had two days prior already given to XXXX and listed on my new insurance card, but to honor the rate I was quoted on whatever car with the same model/trim etc. was available ( which there were plenty of ) .I provided this company my social security number to run a credit check, and had a firm offer for financing. They ran my credit and did not honor it within the 10 day period I was given.
09/02/2020 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • VA
  • 23324
Web Servicemember
On or about XX/XX/2020, I called to make a payment and as I said hello, the representative ( XXXX ) said, " XXXX XXXX, '' on an open line. I'm not sure if I was interrupting her or what exactly was the issue ; however, but this is a clear violation of the FDCPA. I am behind on my account and was calling to make a payment she did give me the phone number to call but didn't give me the account number so I had to call back. When I called back I encountered, XXXX who had a defensive demeanor, he refused to provide his full name and the previous representative 's name. I can't recall if she provided it, or if I forgot because of the opening of the call. After I explained that I would be making a complaint he gave me his name and offered to transfer me and provided his name as XXXX then he gave me a Manager/Supervisor : XXXX. I spoke with XXXX and he went over my account explained that I should not fall more than 3 months behind but didn't give any information as to what would happen if I did. I currently work for the XXXX XXXX and have been since XXXX, I was receiving unemployment and that has stopped they are aware of my situation. I was placed on a 3 month hardship but it ended, I do not recall receiving a reminder that my moratorium would be ending and to begin making payments again. I do believe I'm being charged for late fees. I've had other problems with this creditor. I wanted to make this complaint to go on record about the abuse. The manager stated he would coach her ; however that doesn't resolve breaking the law.
03/21/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • NY
  • 10805
Web Older American, Servicemember
I leased a XXXX XXXX XXXX that was financed through Nisan Motor Acceptance Corp. ( NMAC ). That lease comes due on XX/XX/XXXX. I spoke to three different Nissan dealers, all of whom told me that Nissan would waive up to the last four payments on my lease if I purchased a new vehicle from Nissan. As I was planning on doing just that I made the XXXX, XXXX payment on time but made no subsequent payments. In early XXXX, I started receiving a very high volume of calls from NMAC telling me that my auto lease payments were late. Every time I mentioned them waiving payments, they told me to go see a dealer. Finally NMAC told me that I had to go see the dealer who originally sold me the vehicle, even though they are over XXXX miles from my home, as I have recently moved. I complied with the instructions from NMAC and went to the dealer they specified. At that dealer, I was able to find that NMAC had reported me late for two month 's worth of auto lease payments and by doing so, NMAC had caused my FICO score to drop from from XXXX to XXXX. Because of the drop in FICO score and the lease payment lateness, Nissan would not lease me another vehicle even though my payment history over the previous 33 months was always on-time. And, unfortunately. because of Nissan 's report, no other auto lender would give me a loan or a lease. Their actions have been damaging, predatory and not in keeping with what the dealers told me. The two months late ( XXXX and XXXX ) have been paid and Nissan will still not approve me for a lease.
10/07/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • IL
  • 60642
Web
I have a car loan with Nissan Motor Acceptance Corporation ( NMAC ) - it was a 5 year, 0 % interest rate loan, started in XX/XX/XXXX. I've had an automatic payment as well as paperless statements set up from the beginning of the loan to ensure I never have a late or missed payment. For some reason, NMAC stopped processing my automatic payments in XX/XX/XXXX ( with 2 monthly payments remaining on my balance ) and I ended up being late on my final 2 payments. The only reason I noticed they had stopped deducting my payments automatically, was I got my credit score as an alert from a monitoring service and it had dropped 100 points as a result of this. Once I noticed I was late, I immediately made my final 2 payments and closed out my loan on XX/XX/XXXX. Upon finally calling their customer service ( on XX/XX/XXXX ), they told me they changed their system and had sent me notices asking me to switch to another system. I did not receive any of these notifications digitally. The rep mentioned they should be available to view online under my account and upon review, there were no notifications there either under the messages section. Upon asking for them to remove the late payment record as a result of their process change, they refused stating it was my responsibility to make the payments, and they had no responsibility to let me know that automatic payments have been stopped by them. I would not have missed any of the payments if they hadn't turned my payments off and am now stuck with a late payment record.
10/27/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • CO
  • 81504
Web
On XX/XX/XXXX we traded in our used XXXX XXXX for a XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX, CO. On the XX/XX/XXXX we had a family medical emergency and our son was flight for life to XXXX Hospital in XXXX , CO . Which we were there for three weeks. During this time I received a phone call from our XXXX XXXX saying that we were over 30 days late on the XXXX that we traded in back in XXXX. I immediately contacted XXXX XXXX XXXX and spoke with a guy in the Finance Department. He looked into it and saw that we had not owned or had the XXXX since the date of XX/XX/XXXX and that the paper work that they had done on our new loan with the XXXX was done incorrectly and because of that the new loan was not yet processed and the credit union was not paid off because of this paperwork that was not done. He told me that this was immediately going to be corrected and that day they were going to down cut a check to XXXX XXXX XXXX CO for the XXXX and told me that they would take paperwork to them to show that we had not had possession of this XXXX since the beginning of XXXX. This was the first week of XXXX and now being XX/XX/XXXX, we noticed from a report that our credit has taken a huge hit. So, after calling the XXXX XXXX XXXX CO I was informed that they had just paid off the XXXX on XX/XX/XXXX. I have, once again called XXXX XXXX XXXX to tell them my issue ( again ) and demanded that they give me a letter or proof that we did not own this vehicle as of XX/XX/XXXX and that this needs to be corrected IMMEDIATELY!
09/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • TX
  • 75204
Web
XX/XX/XXXX. My XXXX XXXX XXXX Lease Expires. I leased a new XXXX XXXX XXXX. XXXX changed the heavy engine to a lighter engine on the XXXX models. The car was much louder, and after 2 days I returned the car to the dealership and I got my XXXX XXXX XXXX back. The only way to settle the issue was to lease the next model up, a XXXX XXXX XXXX. It cost me more money, but the car was considerably quieter. It took four weeks to settle the issue and I was 30 days late on the payment that the dealership promised to make when I bought the original car. I was committed to buying a new car, which I did. Nissan Motor Acceptance Corporation and the XXXX XXXX XXXX XXXX have hurt my credit. They have exposed me to higher interest rates because of this negative report. But what adds insult to injury is that I bought new cars from them! XX/XX/XXXX. My daughter and I were rear ended by a hit-and-run driver. Our injuries have been difficult to overcome, along with dealing with the insurance company. We hired an attorney and XXXX did settle with Nissan Motor Acceptance Corporation, less {$1000.00} deductible. I paid the {$1000.00} deductible myself and the attorney is working to get XXXX to get me reimbursed. I have lost work as a result of the accident, and have been further damaged by Covid-19. I have pleaded with Nissan to stop reporting negative information on my credit bureau, because the late pays were not my fault. You can see I pay on time. Nissan and XXXX are extremely difficult to communicate. They w
06/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 20176
Web
I am writing to dispute a billing error that was caused by Infinity Financial Services ( IFS ) which resulted in IFS reporting me with one 30 day late payment to the credit reporting services. This has repercussions for my credit score and pending financial transactions. I assumed an existing automobile lease from IFS is late XXXX. Subsequent to the lease assumption transaction closing, IFS did not send me a bill for my XXXX payment nor did they notify me in a timely fashion that the payment had not been made. Consequently, a single late payment in XX/XX/XXXX resulted from IFS 's billing error. As part of the lease contract assumption in XXXX/XX/XX/XXXX, I provided IFS with my complete email and mailing address. Per the Fair Credit Billing Act, I was to receive an account statement and bill on a monthly basis either electronically or by US Mail. However, IFS did not send a bill to me upon the transfer of the lease obligation. Instead, IFS sent the bill to the PREVIOUS contract holder because IFS failed to update their records in a timely fashion. When IFS did not receive payment in XXXX, they finally reached out to me by phone but not unitl the payment was 30 days overdue. I immediately paid the past due amount and IFS agreed to waive the late fee and not report the 30 day late payment as delinquent to the credit reporting agencies but IFS still reported me as delinquent to the credit reporting agencies despite their agent telling me that they would not do so becasue of their billing error.
08/29/2021 No
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • GA
  • 31639
Web Older American
XX/XX/2021 we purchased a new XXXX XXXX from XXXX ( Georgia ) XXXX. Added to price of the car on the contract with NMAC was a charge of {$900.00} for GAP insurance. We did not know this until XX/XX/2021 when we went back to the dealer to get copies of our contract. They had provided us a computer chip which our computer would not open. When we got the copies of the contract we asked the dealer to correct this and delete the {$900.00} charge for the GAP insurance. Since we had paid {$10000.00}. down on the car we did not need the GAP insurance. They told us to contact NMAC, Nissan Motor Acceptance Corporation. We contacted NMAC and they told us they would credit the {$900.00}. to our account at the end of the contract, they stated they did not want to rewrite the contact. We thought it should be credited to us so our payments would be less. They said no. We have contacted the dealer and visited with them 3 times since we purchased the car and they fail to give us any proof that they are going to refund the $ XXXX.We have notified and followed up several times with NMAC and they still have not refunded the money to our contract. About 2 weeks ago a credit of {$410.00}. was made to our account, we asked what it was for and was told that maybe someone made a mistake and thought it was {$900.00}. Even I know the difference between $ XXXX.and {$900.00}. I have had enough of wrangling with this matter and would like to have some help from you. Today is XX/XX/2021. Thank you in advance for your help.
06/03/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MA
  • 01906
Web Servicemember
XXXX XXXX XXXX XXXX XXXX Lease Agreement for XXXX Nissan XXXX XXXX VIN # XXXX Good Evening Nissan, My name is XXXX XXXX XXXX XXXX and I are currently serving XXXX XXXX in the United States Military XXXX, thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains, and we had previously spoken on the phone before about the SCRA End of Lease Liability amount of {$1700.00}. I would have an excellent repayment record. I made a mistake in falling behind, but since then, as you may have noticed I recently paid off that debt completely in full, but it is still showing up on my credit report as current. The amount should be showing XXXX since I paid it off in full. Would you or your company be able to delete the charge off now and mark it as paid off because that liability debt is paid off completely? I am planning to apply for a mortgage, and it comes to my attention that the current open payment on my record could hurt my ability to qualify. I honestly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a chance and opportunity and make a goodwill adjustment to remove the collection off my credit report. Nissan is a great company and I enjoyed the privilege of leasing a vehicle from them and will continue to do so in the future. Thank you for your consideration, and I hope you or your company will approve my request. Best, XXXX XXXX XXXX
09/03/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • FL
  • 33647
Web
On XX/XX/XXXX, I scheduled an appointment in XXXX XXXX because I wanted to pay off my Nissan 2018 Leaf lease ending on XX/XX/XXXX. That day, My husband and I got a new loan for the remaining balance. Also, We had to come back twice over the following two o three weeks to sign the paperwork again because the Finance person forgot to include some coupons. On XX/XX/XXXX, the last payment of the lease ( {$710.00} ) was withdrawn from our account because we had automatic payments ; for that reason, I called NMAC ( Nissan Finance Company ), and they explained to me that since we got a new loan, the dealership would be care of the refund of the last payment. Immediately, I called XXXX, and the person in Finance said that once XXXX finished all paperwork, they would refund us that amount. Two or three weeks later, I called again the person in Finance said I should call the Accountant person who never answered her phone, nor called me back after several messages. One week later, I sent an email to the general manager, and five days after, the sales manager called me saying he would review the case. Five days later, I sent him a text message, and I never got a reply. After exposing my case on social networks, I got a phone call from someone who asked me again about the issue. He said he would call me back, but after two months, nobody is taking me into account, giving me an answer or an explanation. I want my {$710.00} back. I don't have to pay twice for paying off my lease following the due process.
10/12/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • NC
  • 27030
Web
On XXXX XXXX I purchased a vehicle from XXXX XXXX XXXX, in XXXX XXXX At that time I agreed to purchase an extended warranty and GAP INSURANCE. After a couple of days, I called the dealership and told them I did n't want it. I was told I would have to wait for it to go through the system before it could be canceled. I also wrote a letter and mailed it to BOTH the dealership and the insurance company to let them know formally that I wanted it canceled. I never got a response from either. I went back to the dealership on XXXX XXXX, I talked to the finance man, he said it would be taken care of and to keep a check on my vehicle statements to see the price drop so I would know when it had been done. It still is on my loan, but the insurance company says they have no record of a policy on me, I contacted my finance company XXXX XXXX XXXX, they told me to contact the dealership, as did the insurance company. The problem is and has been that the dealership wo n't return my calls or answer my attempts to contact them. They are over an hour away from my home and I ca n't run up there every day trying to resolve issues with them. I work an hour from home, which puts me 2 hours away from them and I ca n't be taking off of work to deal with them.It took them 2 months to even get me a tag for my car, which actually expired before they got me one, and even then I had to drive up there to get it after I had been promised they would deliver it to me. The Gap is {$790.00}, the extended warranty is {$2400.00}
10/15/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • TX
  • 75219
Web
We love our XXXX Infiniti Q50 with 3.7 litre engine. It is an excellent car. We bought it on a 39 month lease which ends in XXXX XXXX. Infiniti USA has been soliciting us to return the car for the last ( 3 ) months offering incentives that release us from the last few months of the lease. When we went to the dealership to pick up a new Q50, we found that the car did not have the same engine. Our current Q50 has a 3.7 Liter Engine and the new Q50 's all have a 2.0 or 3.0 Turbo configuration. Because they are using the same chassis, the car is loud and does not drive the same. We took the car back to the dealership. We contacted Infiniti and said the only Infiniti car that meets our desires is now the Q70 with 3.7 litre engine. But the Q70 is a larger and more expensive car. We are reasonable, we are fine with paying more for our current car with inflation, but the delta to the Q70 will require incentives from Infiniti to bring down the price. A Q70 is not affordable. We believe that Infiniti is engaging in a bait and switch to make us buy a Q70. They are forcing us to turn in a car of a higher quality and value for a lower value car. Because it is a lease contract we are required to pay a lot of money to turn in the car and buy another brand. When we tried to work with Infiniti USA, they gave us a case number XXXX and ultimately offered free maintenance, which is in actuality is 5 free oil changes. A XXXX company like XXXX really should not be allowed to treat us US consumers like this.
02/22/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Termination fees or other problem when ending the lease early
  • CA
  • 95129
Web
I am writing to complain about the Nissan Motor Acceptance Corp ( NMAC ) charge of {$1100.00} on my XXXX XXXX lease termination. My account number is XXXX. I am surprised that I am charged anything more than {$190.00}. We returned the XXXX XXXX under account XXXX to the XXXX XXXX dealership in great condition on XX/XX/2018 around 21k miles. This is way under the 36k miles contracted in the lease, and 2 months before the lease expired. We also gladly lease a new XXXX XXXX from the same dealer on that same day ( new account number XXXX ). We consulted with the dealer, before we returned the XXXX and signed the new lease on the new XXXX, that the Special Lease Turn-In Offer of {$500.00} off Excess Wear and Use Charges we received in mail is good even if we put the new lease on different members of my family as far as we validate that the names are all under the same address. We returned the car with its manual and every single part. It is hard to imagine that a car with 21k miles have excess wear & use of {$480.00}. We even put on a new tire for the car. Anyway, this amount should be covered by the Special Lease Turn-In Offer of {$500.00} off Excess Wear and Use Charges. I was also told by the dealer that we do not have to worry about the Disposition Fee of {$390.00} since we leased a new XXXX from the same dealer again. As such, the only charges I can understand in the NMAC statement is the remaining payments of {$190.00}. I kindly ask that NMAC correct the invoice promptly.
02/08/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • TX
  • 76021
Web Older American
XX/XX/XXXX my XXXX year old father got XXXX into renewing his lease on a Nissan Altima that was about to expire and the local Nisan dealership contacted him with a year end leasing deal on a XXXX Nissan Altima without taking into account that he was only driving XXXX miles a year. As soon as he drove the new ( the XXXX 's were already being sold ) off the lot he lost about {$2500.00} which was not accounted for in his lease. I took over his finances in XXXX as he was diagnosed with XXXX and tried to renegotiate or get out of the Lease which was for 39 months at {$410.00} per month and allowed XXXX miles. Nissan Motor Acceptance would not negotiate and said even if he could not drive due to his XXXX he was liable for the full amount of the lease. So we sucked it up and paid it for 39 months and turned it in with XXXX miles or XXXX % of his available mileage. The car had a small XXXX inch tear in the front bumper cover which Nissan claimed as chargeable wear and tear and they also wanted {$390.00} for a disposition fee and would not budge on both despite repeated calls and E-Mail complaints to Nissan Motor Acceptance about the charge totaling {$950.00}. After sending only XXXX statement with a due date of XXXX XXXX XXXX they sent this to a collection Agency on XXXX XXXX XXXX instead of negotiating with me a reasonable settlement based on the low miles on the vehicle. I would be willing to settle this for {$250.00} as my Dad is now XXXX and in an XXXX and does not have much money left.
01/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 28215
Web Servicemember
Leased a XXXX Infiniti from XXXX XXXX XXXX XXXX XXXX, XXXX for 39 months ending XX/XX/XXXX. Never made a late payment ever. Lease ended in XX/XX/XXXX so I made several calls to Dealer and Nissan Finance concerning lease buyout. Dealer told me to contact bank, Nissan told me to contact Dealer. After several attempts in XXXX and XXXX I finally spoke with Nissan Finance on the phone. They asked if I want ed to extend lease thru XX/XX/XXXX and possibly get into a new car. I said I would like to keep car I have, this was around XXXX, Spokes lady told me to make an additional payment of {$690.00} and to go to dealership to have car appraised and inspected before I could buy car.????? Still not getting the right info, I drove car to XXXX XXXX XXXX in XX/XX/XXXX, and still was told I needed to go through bank. I then asked to speak to the finance Manager who was the only person with the right info. My wife and I paid the residual of the car in XXXX for $ XXXX. XX/XX/XXXX I received notice that my credit score dropped from XXXX to XXXX. I checked my credit report and noticed Nissan Finance had sent in negative information to the 3 Bureaus. Contacted Nissan and was told to send in a letter to Nissans Credit Management Dept. Received a letter on XXXX XX/XX/XXXX were Nissan refuses to remove false info from my report. At no time did I agree to or signed into another agreement to extend my lease or to refinance the XXXX XXXX, XXXX errored in reporting false information and refuses to fix it.
05/08/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NV
  • 89130
Web
My problem with NMAC is they reporting negative information on my credit and they saying I am missing payments when I am not. I sent them a certified letter requesting information for my account but they never responded. I then contacted the XXXX XXXX for help they reply was they are correct and they will send the information to XXXX XXXX. But I never receive any information from NMAC. I contacted XXXX again reporting the outcome from their help. I have yet to hear from them again. I do have the right to have a paper statement and NMAC refuses to send to me. NMAC put my car into repro status why when they are stopping me from paying my car off! Here my email to XXXX Dispute Resolution Associate XXXX Serving XXXX XXXX Texas XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX Start With Trust -- -- -Original Message -- -- - From : XXXX XXXX [ XXXX : XXXX ] Sent : Friday, XX/XX/2018 XXXX XXXX To : Complaints XXXX Subject : Unfair business Practices Complaint ID # : XXXX Business Name : Nissan Motor Acceptance Corporation I XXXX XXXX has not been made whole as of yet Nissan still have not sent a letter explaining their actions but they did allow me to make payments on the website. I went on their website changed it to paper statements they have yet to send me a paper statement they still practicing unfair treatment to customer. I would like a itemized statement of my account whats so hard about that please in my reply to them my next step Im calling the federal trade commission.
05/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 20601
Web Servicemember
I had a 3 year lease with Nissan-Infiniti Financial from XX/XX/XXXX to XX/XX/XXXX I was current with payments from the time of the lease from XX/XX/XXXX to XX/XX/XXXX. I had some financial difficulties that prevented me from paying my lease payment on time to as a result the car was repossessed. I received a letter from Nissan-Infiniti stating they sold the vehicle at an auction and I was liable of the balance of {$7800.00}. My account was then turned over to XXXX XXXX XXXX who I agreed to a monthly payment of {$210.00} until the balance was satisfied and was told during the agreement if I wanted to present a settlement to call back and they could make arrangements. I made faithful payments on the XXXX of every month starting on XX/XX/XXXX of 6 payments until XX/XX/XXXX a total of {$1000.00}. I called XXXX on XX/XX/XXXX and offered them a payoff of {$3000.00} they put me on hold to contact Nissan-Infiniti with the offer and they counter offered with {$3500.00}. I called back a week later on XX/XX/XXXX and made the payment of {$3500.00}. I asked for a payoff letter they informed me it would be in the mail with in a week and it did. Nissan-Infiniti then reported that I was late from XX/XX/XXXX to the time off the payoff that information was incorrect and they closed my account with a balance that impacted my score tremendously. I need this resolved and removed from my Credit Report Please. I have read the policy from the FCRA and this is a violation thanks for your help.
06/26/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Denied request to lower payments
  • VA
  • 22315
Web
I had problems " making on-time payments '' due to a very " Bad Divorce '' which led to a difficult Financial problem, as a result, NISSAN-XXXX XXXXXXXX has reported " Negative Reporting - Late Payments '' which has and is currently damaging my credit reports. But now things have turned around for me financially, I have made ( " Extra Payments in XXXX XXXX and XX/XX/XXXX ' and caught up with ALL my car monthly note payments and have kept on being Current on my monthly payments ). And, because of my hard work to improve my credit with them and consistent monthly payment as well as my future plan to build and request more credit from NISSAN-XXXX XXXX I had called in several times to Customer Service to ask if they can please work with me by " Removing the Negative Late Payment Reporting on my Credit Reports '' but unfortunately the Customer Service of NISSAN-XXXX XXXX has declined my request even though I was told by a rep in the past that if I catch all my payments and make consistent payments that my late payment history will be forgiven. So, as noted above I kept calling and calling but I kept getting passed around on the phone with absolutely no result or remedy to my situation. Furthermore, NISSAN-XXXX XXXX is reporting that my " Payments are Late '' from ( XX/XX/XXXX - XX/XX/XXXX ) in All 3- Credit Bureaus which is NOT correct nor consistent, because I have doubled up to catch up any lates that occurred and made all of my payments on-time so I will not be late.
08/28/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • CA
  • 92040
Web
I have been treated poorly every time I interacted with this company as if I am not a customer at all and they are offering me welfare or something. I was misled about the details of my first car a XX/XX/XXXX Nissan Sentra and when I declined the extended warranty I was told I would get a XXXX refund that would lower my payment. this never happened and the money went to Nissan Motor acceptance who did not even credit me 1 payment. Now my car was in an accident and my insurance company is totaling the car. I received confirmation that they paid Nissan Motor Acceptance over XXXX on my loan and Nissan is harassing me for payments on the car even though they just opened a new loan for my replacement car. they are going to ruin my credit for being a second time customer. I also have gap insurance and the company has made completing my claim almost impossible asking me for documents only Nissan and my insurance company have. My insurance company said they will send them the ones they have but Nissan is doing nothing to help me on their end but threatening my credit. I can not afford to make two car payments. Nissan promised me this would not happen. Nissan Motor acceptance has been borderline abusive in their handling of my accounts and treatment. It has been an emotional assault on me and causing my health problems. I can not believe how horrible they treat their customers. Cold and unfeeling. If I can warn every person I meet for the rest of my life it wo n't be enough.
04/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WA
  • 98021
Web Servicemember
I had my truck financed through Nissan Finance, known as Nissan Motor Acceptance Corp. ( NMAC ). I traded the truck in to a 3rd party dealer on XX/XX/XXXX. Upon trading in the vehicle, I was informed not to make any additional payments and that the 3rd party dealership would handle the payoff. I signed a release of interest on XX/XX/XXXX. The 3rd party vendor sent in the payment which did not get to Nissan ( NMAC ) until the first week of XX/XX/XXXX. This caused a missed payment which was due on the account on XX/XX/XXXX. I called up NMAC explaining the problem, and requested to have the late payment removed from my file for the month of XXXX. They explained the process, being a written letter from the 3rd party dealership explaining the circumstances of the missed payment. I obliged and contacted the dealership, having them send in the letter and a copy of the release of interest. The letter was immediately denied by NMAC as it did not conform with the " verbiage '' needed in the letter. I called and spoke with a manager at NMAC about my dilemma, she expressed it should not have been denied and resubmitted it. Denied again. I spoke again with her, at which point she told me why it was denied, and how to correct it ( change the verbiage in the letter ). I did so, had the 3rd party dealership resend the letter specifically taking responsibility for the vehicle and the delinquency, and now get radio silence from NMAC. Delinquency still shows for the month of XXXX.
10/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33547
Web Servicemember
Infiniti sent an erroneous report to XXXX damaging my credit from XXXX to the XXXXeven after they received payment. They are refusing to correct. I had automatic payments set for this account but for some reason this stopped working since XX/XX/XXXX. Infiniti was calling the wrong number and I didn't realized this was happening until XX/XX/XXXX when I noticed they had reported late payments dropping my credit score to the XXXX 's. I immediately call Infiniti Financial Services and told their representative I will pay all that I was behind and the current payment owed for this month right away. This was paid XX/XX/XXXX, they confirmed payment XX/XX/XXXX. This account was paid in advance to XXXX XXXX. However, they sent another Report to XXXX XX/XX/XXXX after I paid which indicated I had not pay them. That report was false and incorrect! I called to report their mistake and they are unwilling to correct their mistake stating it is up to me to do that not up to them. I have never in my life have been late on any payment and they should had make sure I was notified of the problem prior to damaging my credit. The Infiniti Dealership claims I provided those numbers in my credit application, but the application was filled by their Representative and they never furnished me a copy of the loan contract so I could have the opportunity to correct their mistake. Please contact me at ( XXXX ) XXXX or XXXX if you need additional information. I appreciate your assistance.
10/08/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NC
  • 27617
Web
I am having issues with my billing statement. I am behind every billing period because for misc. and late fees that was acquired during an incident in XXXX of 2018 with Nissan Motor Acceptance Corp. I was late with a balance owed of {$2400.00} I was going through job loss and needed time to adjust the balance. which I let them know that. I was still making my monthly payments even though I was behind. This lasted two months, but on the third month I was one day away from making my payment with the intentions of paying both due and past amount to get caught up and my car was repossessed. Such a let down for me because I really worked hard to bounce back. Afterwards I wanted to pay off the full balance and they would not accept my visa payment and forced me to catch a bus to XXXX XXXX to pay for the balance. I politely explained this situation with them and asked for understanding. They tacked on {$540.00} tow fee on my statement. Since then i have been current except I refuseed to pay this fee which makes me late every month. I have tried to work with them even escalated to consumer affairs. And nothing has been done for me, a honest hard working customer. I have {$100.00} in late fees now and growing. On top of paying over 11 % in interest from the actual company im financing with this should not have been a problem for them. Please help. I also do not know why my payments have different amounts applied to interest and my principal. Please view the attachments.
06/11/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Credit monitoring or identity theft protection services
  • Received unwanted marketing or advertising
  • NM
  • 88310
Web Servicemember
I brought a vehicle XXXX XXXX XXXX on XX/XX/XXXX in XXXX XXXXXXXX XXXX, and financed an amount of {$23000.00} with Nissan Finance ( 7.87 percent interest rate ). I didnt pickup the car on the same day, because I had to leave on the next day to XXXX XXXX XXXX XXXX training. About a week later, my mom went to pick up the car. She and my uncle found out that the car had XXXX miles already. The car dealer didnt even mention that when I signed the contract. They didnt pick up the car but the car dealer didnt cancel my loan contract either. I didnt realize that the car dealer didnt cancel my contract until two months later after my XXXX XXXX training. I found out that my credit score dropped very low because of this car loan, and didnt receive any notice about that I had to pay for the loan. I called the loan company, and they told me if I want to cancel this loan I have to talk to the car dealer. Then I called the car dealer, they told me to call the loan company. They kept pushing me to each other and didnt help me solve my problem. I went to talk to the car dealer face to face on XX/XX/XXXX. I was trying to get them to at least change the car, but it couldnt be achieved based on my low credit score. I waited for a whole day and didnt get any solution. They didnt even call me for any update after that day. On XX/XX/XXXX, I went to the car dealer again, they couldnt help me with any thing, I had nothing to do but to pick up the car and start paying for the loan.
01/11/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • LA
  • 70819
Web
On XXXX XXXX, XXXX, my XXXX Nissan XXXX was totaled in the flood that occurred in XXXX XXXX, LA. I filed the proper claims with my auto insurance and XXXX insurance companies. My auto insurance company 's payment posted to my account for the date of XXXX/XXXX/XXXX. I received a letter in the mail from the XXXX insurance company in XXXX notifying me that they had mailed the payoff check to NMAC Total Loss department on XXXX XXXX, XXXX. I began watching the account online to monitor when the payment would post. After I saw no activity by XXXX XXXX, XXXX I began calling NMAC. I was told that they had not received the payment yet and that I needed to contact the XXXX insurance company. I contacted the XXXX insurance company so that they could investigate the issue. I was contacted a few days later, I was told the check was indeed received by NMAC and drafted out of their account on XXXX XXXX, XXXX. I was emailed a copy of the check that was stamped by NMAC. I discovered that the account number that the NMAC team member wrote on the check when they processed it was wrong and they credited the wrong account. The CSR I spoke with found the account and she saw that the {$9300.00} check had posted to an inactive account. She put in a request for the proper department to correct the issue and post the money to my account. The issue still has not been resolved I keep getting the runaround. I have been calling NMAC approximately every other day since XXXX XXXX, XXXX.
07/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11575
Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10453
Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
04/11/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 78109
Web
XX/XX/2017 I put in a request to have my XX/XX/2017 and XX/XX/2017 payments Deferred to end of loan. The individual I spoke to at that time had agreed to email me over the form I need to fill out in order to get that in place and XXXX hours to send out and I can email it back in to make sure it was received on time so it would n't be marked late. I waited and never received the email. So I called back and another person said they would resend again.Still never got email. On XX/XX/2017 I spoke with another gentleman and he figured out the reason it did n't go through was because no password was assigned when they sent it out which there system would not actually send it. I stayed on phone with him over XXXX mins to allow him to fix issue and email me. He advised me on the call that I could email it for faster service and upon processing it if it were late they would adjust late off credit report. I filled it out and emailed it back right away when I received it. I got a call 2 days letter saying they did n't receive my email to go ahead and fax it and upon receiving the fax they would fix issue and adjust the late on credit report. I faxed and emailed again right then and there. Now that it is reflecting late on my credit report they are now telling me it 's my fault and they will not be removing late. How is it my fault when I called with plenty of time for deferment to be processed representatives just did n't do their job correctly the first 2 times.
11/10/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • GA
  • 30039
Web
I have tried to pay my car note online at XXXX XXXX for over two weeks. Before they switched their systems. I had my reoccurring payment set up with my bank account for 2 and a half years with no problems. Now, my payment has been rejected two times f5rom the online process through my bank account and would not be accepted via EXXXX Debit Card or XXXX XXXX through their XXXX XXXX. I called XXXX twice and my bank twice. My bank, XXXX, says they are not rejecting any payments from XXXX ( as XXXX emailed me and said my financial institution was rejecting the payment, three times XXXX. I called XXXX twice, the first time they said that it was my banks fault and to try again, which I did. Today, XXXX I called after I received another email saying the payment I tried to give on XXXX ( third time trying ) was rejected and I had incurred a late fee. I spoke to someone in their Customer Service department, but I could not really understand her. She said my bank account information was incorrect ( which it was not ). She said she would waive my late fee and connected me to their payment system XXXX XXXX. XXXX XXXX could not accept my XXXX Debit Card, XXXX Credit Card, XXXX. I checked online and the late fee has not been waived. I am highly frustrated and super inconvenienced since I had all the information in my account previously, and now it is not working. This could affect my credit score, and I have not received any help from XXXX in regards to paying them.
01/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 91604
Web
I was an employee at XXXX when I leased my vehicle. 1st payment was suppose to be made as part of the VPP program at the time for employees. I was not awarded that payment. After fulfilling the 39 month lease agreement (plus 1 extended month) I lease returned the vehicle on XX/XX/XXXX ( documents attached). Come to find out that the last 2 payments made of $XXXX on XX/XX/XXXX and another for $XXXX a week after that (receipt of payments with confirmation # s uploaded) XXXX inform me weeks later and after they already confirmed payments, which went as far as posted on my credit bureau bringing my loan current, inform me payments returned and when asked why I was not given a reason. Completely disregarding the NACHA rules and guidelines in a non compliant manor (rules 3.8,2.12.5.1,2.12.5.2,3.12.6) and then go as far as abusing the right to report credit by wiping out the 40 payment history on my credit report and charging off the residual amount of the lease of $XXXX! This is after 12 changes they made within months. Even removed the loan on one of the bureaus. Other payments were made but I am leaving that out for this complaint because my resolve is to have the history of this lease be accurate and lease returned as it was to show on my credit. Fraudulent reports on my credit and disregard for rules and guidelines have created loss of wages and tremendous hardship the last 6 months. This is abuse of power and disregard for the law and consumers!
01/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77054
Web Older American
Nissan Motor Acceptance Corporation made a late payment report to all credit bureaus in XX/XX/2019. XXXX XXXX : Called at XXXX and talked with an agent by the name of XXXX to submit a payment extension for the month of XXXX XXXX XXXX with the promise of payment date for XXXX XXXX. XXXX XXXX : Talked with yet another agent XXXX XXXX XXXX and he sent yet another document for me to sign electronically. XXXX XXXX : Talked with agent XXXX and confirmed that the second document was signed and received on XX/XX/XXXX and had been approved but due failures within their system that reflected 2 documents signed for the same reason, I had yet to sign another one, making a third document signed in les then a month. XXXX XXXX, XXXX : payment for {$700.00} was made in agreement with the extension. I have audio recordings with a supervisor accepting and apologizing for this issue and the mess it made within their own system. When I called XXXX XXXX to get it all clear, they said that at this point I have to submit dispute to Credit Bureaus. Its been 2 years dealing with the bureaus to correct this error, this is not my doing, not my fault.at all. I suffered a great deal of inconveniences and much damage to my credit record and score, even hired a credit repair company and to this day sill unresolved and I find myself in a bind and in much need to refinance the loan to help with the situation Without a doubt disturbing and a pebble in my shoe.
09/30/2020 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 20850
Web
We Defaulted on our car lease payment in 2018 because the Nissan dealership we leased the vehicle from went out of business. so we called that particular location for a few months but couldn't get a whole of anyone. we were finally able to reach a customer service representative at another location that told us to turn the vehicle in since it was been repossess for the delay in payment which we did. the lease was in both my name and my wife 's. This particular account started reporting on both our credit reports as derogatory. but this account from the get go has always reported inaccurately on my reports XXXX XXXX and XXXX had wrong information on their separate platforms about this account and every time i disputed the errors and demanded that the account been removed from my credit report for been inaccurate the particular error will be fixed but the account will remain. Even though this account was written off as bad debt for the full amount of the vehicul in question after we had made more than half of the aforementioned amount before turning the car in we had a certain XXXX XXXX, XXXX contact us in an effort to collect the debt. And at this same time this NISSAN-INFINITI LT went ahead and reported fraudulently on our credit report new payment that we never made and my guest is that they did this to move the status of limitations on this account ahead to the can fraudulently still take our money. Please help us fight this fraud
02/08/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70458
Web
On XX/XX/2019, the request was made to apply for an auto loan with a specific lender with whom I've already had an established positive lending relationship, being XXXX XXXX XXXX. It had been made clear that a security freeze was in place on my credit for safety purposes and avoidance of abuse of process. In good faith, I temporarily lifted the credit-freeze for 24 hours with XXXX for the dealers to contact the requested lender who approved the loan in the amount greater than what was requested. The dealers subsequently proceeded to create an additional 7 to 10 hard inquiries against my credit score by other lenders despite my choice lender already approving the loan for a greater amount than requested and without my knowledge or consent. Immediately following this action, the dealers demanded I unfreeze an additional credit profile with XXXX where they posted additional hard inquiries against my score without reason. XXXX was lifted for 24 hours at my request, however, upon leaving the dealership without my vehicle, I discovered that the XXXX freeze had been held open against my request of 24 hours by the dealers who were intending additional postings against my score unnecessarily. The dealers refuse to release the vehicle me under the disclaimer of insurance until the hard inquiries had in fact been declared as posted to my account greatly reducing my score. The following action was not only unnecessary but heinous.
07/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 78244
Web
To someone in a position of authority, I am making a formal complaint because Nissan INF LT has placed information on my report without my consent, and without validating the debt. I reached out to this company over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with XXXX and XXXX ; I made a formal complaint with XXXX, and XXXX and both companies failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my XXXX and XXXX reports within 5 days, or I will move forward with litigation and remedy. I also demand that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. Thank you.
04/27/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TX
  • 77098
Web
I received a letter from an attorney office, a debt collector, regarding an account closed 15 years ago, an auto lease that was returned when the lease was terminated. CASE NO FILE XXXX. XXXX XXXX XXXX XXXX XXXX as XXXX XXXX XXXX, XXXX Attorney XXXX XXXX XXXX XXXX. # XXXX XXXX Fl XXXX XXXX. A letter showing as a Subpoena Duces Tecum, I contacted this office to find out a little more about this own deb. The person I spoke with was vulgar and starting to treat never acknowledge that this was an attempt to collect a debt, and any information will be used again. Starting treating me that this was an old account for some services and because it is so old the original balance from {$300.00} is now over {$18000.00} and, they are going to do anything in their possible legal way to take things that I own treating to come to my house and take my stuff away. I explained that I currently own a car that now we are making payment on that car with Nissan Motor acceptance financial, and the account is in good status and is open. He started asking me for personal information about what I own in my name. When I refuse to provide that information, he treats me again by taking me to jail or court for a judgment. I told him I know the law and what he was saying was illegal. I requested no to be contacted since I'm no longer live at the address they sent this letter ; I also requested no to be contacted and advised that I will be filling this complaint
02/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92009
Web
When I tried to get a new mortgage, I was informed that my credit score was adversely low because Nissan Motor Acceptance Corporation reported a late payment of >30 days on our 0 % interest loan. There are 2 issues : 1 ) Since NMAC 's autopay function ( how the loan was being paid ) had an internal limitation of 5 years, but the loan term was 6 years, payments we authorized were not automatically pulled. The contact by NMC through spam-like email and calls did not register as necessary actions since we knew the account was on autopay ( in fairness - we did overlook some of the attempted communications ). By the time we figured out the problem, we quickly paid the balance, and the penalties to bring the account current - as it now shows. We contacted NMC to have them update the 3 credit bureaus with Paid as Agreed. They refused to do this, despite 5 years of perfect payment, and resolution of the outstanding balance. They were not at all understanding of people ignoring emails and voicemails from a company that also happens to send relentless sales communications. We would like our credit scores updates with Paid as Agreed since everything is now current and fixed, due a misunderstanding stemming from their internal system limitations. 2 ) How can a credit score for someone with significant net worth be so severely impacted by a {$160.00} payment being late for just over a month ON A ZERO % INTEREST LOAN!!!! Seriously ... ..
12/29/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OK
  • 74953
Web Servicemember
In XX/XX/XXXX I was in a wreck in my Nissan truck. It was a total loss, XXXX and XXXX paid Nissan Motor Acceptance Corporation in full. XX/XX/XXXX I received a certified PIF. Email, letter and verbal confirmation from XXXX with Nissan stating that, " Thank you for financing your vehicle through Nissan Motor Acceptance Corporation and our participating dealer. This letter certifies that your vehicle is paid-in-full and the lien has been satisfied as of XX/XX/XXXX. Thank you for your past patronage and we look forward to assisting you with your financing needs in the future. if you have any questions, or if we can be of further assistance, please feel free to contact our office at XXXX. We are available to assist you from XXXX central time, XXXX through XXXX. Sincerely, Consumer Communications Nissan Motor Acceptance Corporation Customer Center XXXX '' I am now in the end stages of closing on a home and Nissan is reporting to the credit bureau that there is a balance owed on the account. After months of trying to get it resolved they will only keep me on hold indefinitely or hang up on me. I have sent them copy 's of the email and letters they sent me with the issue still not being resolved. I am XXXX from being wounded in XXXX while in the XXXX, this delay on my home is literally killing me because I have XXXX that are worsening due to my living conditions. I need help resolving this and am not getting a solution from Nissan.
03/06/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33179
Web
Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask NMAC ( credit reporting company ) to promptly delete their 2 unauthorized inquiries ( dates : XX/XX/XXXX & XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that these 2 unauthorized inquiries that are associated with NMAC ( Nissan Motor Acceptance Corporation ) are still currently reporting on my XXXX credit file. Moreover, on XX/XX/XXXX, NMAC has sent me a written letter in which they responded to my CFPB complaint. This NMAC letter, which is also uploaded into this CFPB complaint file, has shown that NMAC is unwilling to take the appropriate actions that are necessary to promptly resolve my recent CFPB complaint. This letter has also shown that NMAC has ultimately decided to NOT take any responsibility for their improper actions and has therefore chosen to dishonestly place the blame on an " unknown '' or " phantom '' Nissan dealership yet my credit report clearly shows that this NMAC organization is the " only '' agency that is fraudulently reporting 2 inquiries on my credit file which are on the 2 dates of XX/XX/XXXX and XX/XX/XXXX. Ultimately, an uploaded copy of my XXXX credit report will corroborate this fact and it will also show that NMAC is " complicit '' in their corrupt and unlawful tampering of my credit report.
09/26/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32259
Web
On XX/XX/2017, XXXX XXXX XXXX contacted me via email and offered loan assistance as I was in the hurricane impacted area of Hurricane Irma. On the email was a link for a 30-day loan deferment. I clicked the link, requested assistance and they responded back stating the deferment was complete. I have documentation that supports the offer and acceptance. I continued to get calls from XXXX, when I returned their call on XX/XX/2017, the collection rep stated that I did not have a deferment and my account was showing 31 days past due and it was reported to the credit bureau. When I attempted to explain and provide the documentation I have to support the deferment, they stated sorry they could not help. They placed me on hold, never to return. After several calls, and a lot of runaround I finally contacted a lady by the name of XXXX XXXX in Customer Care who assisted me. She was professional, she listened, and ultimately resolved my issue. She asked for the documentation which I provided and made the necessary adjustments. It is employees like this that make up for the failures of others. While I understand most all financial institutions are providing assistance to those in need in the impacted area, the treatment I received from XXXX is unacceptable, misleading, and unfair business practices. I can only hope this may bring to light others that may be in a far worse situation than I, that are depending on XXXX for assistance.
07/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90810
Web
THIS IS ABSURB. I CANT BELIEVE THIS IS INSANE, I AM A HARDWORKING YOUNG LADY WITH XXXX KIDS. THEY ARE HINDERING MY CREDIT SUCCESS BY ALLOWING CREDITORS TO FALSIFY INFORMATION ON MY CREDIT REPORT. THE NISSAN MOTORS ACCOUNT SHOULD NOT BE ON MY REPORT, BEEN DISPUTING ITS ACCURACY AND VERIFICATION SINCE XX/XX/2020, UNDER FCRA 809AB GUIDELINES, THIS SHOULD NOT STAY ON AS THEY ( XXXX, XXXX OR NISSAN MOTORS ) HAVE NEVER SENT ME ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. THIS COMPLAINT IS BROUGHT HERE ONLINE TO MAKE SURE THEY DO THEIR JOB THIS TIME, UNDER SURVEILLANCE OF CFPB AND FTC. THANKYOU
03/25/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • TX
  • 75067
Web
I contacted Nissan XXXX and hit for COVID-I informed Nissan that i got laid off from my job struggling to make payments and have been charged over {$250.00} in late payments for the past year during the Pandemic. Nissan rep said he couldnt remove any late fees. He did say on XX/XX/2021 that they could change my due date from the XXXX to the XXXX. He couldnt make the change until I made my next payment and to call once I made pmt. I have made my XXXX payment and called today XX/XX/2021 spoke with XXXX # XXXX, supervisor as she admitted to and said it was a mistake and we cant change the due date because I used it up, whether I did or not, I informed XXXX that you promised to change my pmt date regardless, and if its your mistake, you need to honor as she refused to change due date. I asked for her superior and spoke with XXXX XXXX as she as well refused to change due date. CFPB question, This lender can say anything and lie to me and come back to say it was a mistake? Do I not have rights. Nissan should be held accountable for their actions as they clearly stated and admitted to. If they make mistakes they just say Oh I made a mistake? Not only did they lie to me, they refused to assist during COVID and refused to approve me for any programs. They need to remove this recording from their XXXX if they do not assist during COVID, as they are illegally advertising assistance for those affected with COVID loss of job.
06/20/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Termination fees or other problem when ending the lease early
  • CA
  • 94116
Web Older American
XXXX XXXX a XXXX year old man thought that he was purchasing a Brand New XXXX in XXXX 2014, he agreed to pay approximately {$30000.00} for the car. XXXX XXXX did not realize this was a lease and grossly over-paid. Once the papers were read we explained to him that it was a lease not a sale and the price of the car was {$22000.00} and not XXXX he paid. XXXX XXXX requested the Lease Agreement for the car and was sent a illegible agreement which was not included in his original paperwork. It appears that the Dealership changed hands and now is controlled by someone new, furthermore, XXXX XXXX was sent to a collection Agency which has demanded an additional XXXX on a car not worth more than XXXX and XXXX received nearly 40K. The Dealer contacted the customer and said we can sell it for more than you can, which did not happen. After reading the contract with a magnifying glass it is in contradiction with the demand for the additional XXXX the contract says that the amount collected after the completion of the lease is no more than XXXX. This is Elder Abuse in the worse way and XXXX should be held to a higher standard beginning with including the contract up front and a clear explanation of the lease. The dealer also included a Contract Cancellation Option Agreement which clearly says for " Used Motor Vehicle Purchases Only '' XXXX XXXX car was supposedly " Brand New '' So it is unclear why this document was included.
03/02/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • IN
  • 46410
Web
There is a very strong case of fraud with what is going on with my loan account with Infinity Financial Services. I have been making over payments on my account and was told that the excesses would be applied automatically applied to my principal. This as been going on for some time. I realized however that these were not being applied and called their customer service 3 weeks ago. After discussing with a supervisor, my excess payments were calculated and she informed informed me that this would be adjusted to my principal and that I should get an updated balance but my payment due date would be adjusted to the current month. The statement balance was $ XXXX as at when we spoke. No adjustments were made after 4 business days, so I made another call. This time, a supervisor again, insisted on a different approach. He said he was going to apply my current excess payments ( $ 1900+ ) to my principal, rather than work it all back, and I should see the adjustment on the account within 2 days. I did see an adjustment 2 days later to be exact, my pay-off amount was adjusted to $ XXXX, when I calculated it, it was an adjustment of $ XXXX ( note that I did not record exact figures because I did not have a reason to be suspicious. Surprisingly, 4 days later this is again now re-adjusted to $ XXXX and my payment date remained the same. You talk about different answers or manipulation of figures, this is what is happening.
02/15/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with signing the paperwork
  • GA
  • 30126
Web
I purchased a new 2018 XXXX XXXX at XXXX XXXX of XXXX at XX/XX/2018. The negotiated price for this vehicle is XXXX, but we actually paid XXXX without the interest. The reason is during the final finance process, the finance person ( XXXX ( XXXX ) XXXX ) intentionally changed the contract without notify us. He is so misleading. He said we must include a maintenance package in order to apply the loan, but we found it not necessary to buy the maintenance package later. He pushed us to sign all the contract under the condition that we did not fully understand the contract. Besides, he did not explain all the details, even he did not mention that he let us to sign a service contract with worth XXXX $! Moreover, our vehicle already includes a ResistAll package that covers for 4 years. But he changed the coverage year to 7 years without notify us and charged us additional XXXX . However, after we signed the contract we realize that the year is wrong. But he said once you signed it, it could not be cancelled. Also he charged twice for ResistAll, one is for 4 years and one is for 7 years. It is nonsense to have two ResistAll packages! The reason why we did not find the error immediately is that the total additional charge ( XXXX $ ) is the same as our down payment ( XXXX $ ), and he only showed us the remaining payment after the down payment, which we think is the full price. Such things are really misleading!
11/10/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • NJ
  • 07305
Web
In XXXX XXXX I started having financial troubles and as a result I fell behind on my payments with my car. I called Nissan Motor Acceptance and tried to set up arrangements to bring my account current. I was rudely told by the rep that " I should call back when I have the money '' It was also stated that not much help could be extended to me since this was a lease and the money was to be expected every month. XXXX XXXX, I was in a accident where the other car clipped the front end of my car and caused damage to the front bumper. I had to pay {$1000.00} deductible in order to get the car fixed. I tried to keep Nissan in the loop as much as possible. Any money I had I tried to put towards my past due balance. In XXXX XXXX the car was repossessed and I called Nissan trying to figure out what my next steps were. I was told that I had 15 days to come up with {$2500.00} or else the car would be sold at auction and I could participate in that. To date, I 've never received any Pre-repossession notices, post notices or notice of sale. As of XXXX XXXX, I had {$6300.00} remaining on my lease. After the fees from the repossession the balance became {$9800.00}. After doing a vin search I found out that the car was sold for {$12000.00}. Nissan Motor Acceptance has not followed certain rules under the Uniform Commercial Code. I was never given the opportunity to attend any private or public sale of the vehicle.
12/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20721
Web
On XX/XX/2019, I contacted Infiniti Financial Services and requested a settlement amount for a balance owed due to end of lease fees that was to the tune of {$9300.00} ( an amount I would never be able to pay ). I asked for a month to come up with the amount and was faxed a letter with the agreement to pay {$3500.00}, for the settlement amount by XX/XX/XXXX'19. I personally received the funds by the XX/XX/2019 and overnighted the check to Infiniti Financial Services and have noticed the funds have been applied to the balance on my credit report. Since then, I have been in constant dispute with the company because they have still kept the account OPEN with a balance of {$5800.00} and a monthly payment of {$580.00}. I'm constantly calling the company and receiving the run around and constantly being transferred, with no-one taking responsibility and trying to help me. This information on my credit report is skewing my debt to income terribly. I have asked Experian and other credit reporting agencies for their help and they still report the dispute as verified and unchanged. I don't understand it since I have provided them the AGREEMENT LETTER from Infiniti Financial and they see the settlement amount has been applied to my balance. I settled with other companies at the exact same time, and they have updated my credit report as SETTLED and CLOSED as agreed. Why won't Infiniti Financial Services do the same?
06/14/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 49083
Web Older American
-XX/XX/XXXX I bought a used XXXX XXXX XXXX from XXXX XXXX in XXXX MI -I made all payments on time via automatic bank withdrawal from my XXXX XXXX XXXX. -XX/XX/XXXX I traded the XXXX in at XXXX XXXX XXXX XXXX XXXX MI -XX/XX/XXXX I received a letter from Nissan Motor Acceptance thanking me for financing and affirming that my " contract obligation has been satisfied. '' XX/XX/XXXX I received a letter from Nissan Motor Acceptance saying I still owed them money. I called the 800 on the bill and spoke with XXXX who threatened me with an even larger bill if I did not pay the one they sent me. I refused and called XXXX XXXX to make sure the loan had been paid off. They assured me it had and that Nissan 's records must be in error. -From that date forward, I kept getting letters as well as threatening phone calls. I have dates and names of those I spoke with. -It has been continuous even though I threatened them with legal action, but they have continued to harass me and now I find that they have also falsely registered this as a current delinquent amount on my credit report EVEN though they have marked it closed and paid. They have harassed me and turned me over to collectors who have harassed me with early morning calls, etc. -I have all necessary documentation to support this, and I want them to cease and I want to sue them for harassment and for damaging my pristine credit history. -This has been ridiculous!!
09/22/2020 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 92021
Web
Filed bankruptcy XX/XX/XXXX attempted to reach a reaffirmation agreement with NMAC, which company presented to me with addition of late fees for the time period following my bankruptcy petition and had me set to default upon reaffirmation. I was advised against signing due to NMAC 's unfair and deceptive terms. In XX/XX/XXXX, while my bankruptcy was still pending I was sent a Notice of Default which included a notice of attempt to collect a debt, demands of payment in full including interest, late fees and other charges ( excess amounts are not allowed without a reaffirmation agreement ) The letter further stated that payment must be received within 10 days of receipt of notice or company would repossess the vehicle. obtain a deficiency for any remaining balance upon sale and be subject to negative credit reporting. The following month NMAC removed this account from my credit report with all credit beurues, instead of listing account as closed and included in bankruptcy petition. Account removed completely as if it never existed. My bankruptcy was ordered discharged and closed on XX/XX/XXXX and NMAC was one of the creditors listed on the notice of discharge to receive automated notice as a discharged debt. About a week later I received another notice of default letter from them with the same statements as the one received in XXXX. Account is still missing completly from all 3 credit bearues reports.
04/20/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • CA
  • 92376
Web
Nissan Motor Acceptance Corporation has a XXXX loan under my name. I did not sign, give consent or agree to a XXXX loan. The second loan is for the same vehicle that I had purchased ( the letters they sent home to me have a different account number than the original account, yet has the same VIN # of my car ). I filed a dispute through XXXX as I also tried working it out with the company. It has been more than 2-3 weeks that I have been calling/emailing Nissan to fix this issue. Recently, I noticed on XXXX XXXX that it shows up as " paid and closed. '' Yet, it also says that I was late on a payment. Since I did NOT sign, give consent or agree to the XXXX loan, it should NOT be showing up on my credit at all. This morning I received an email from XXXX indicating that they contacted Nissan and got verification that the loan belongs to me. I think that it also shows up on XXXX, but that is why I am hoping that by filing this complaint, the company will fix their mistake and report to the credit agencies that it is NOT my loan and that it was THEIR mistake, will clear everything. I am also requesting a written letter from the company indicating that they in fact did make the mistake and the steps they took within the past 3+ weeks to fix it. I want that letter just in case this issue ever comes up again and I have written proof that the loan was a mistake and it does not reflect my financial decisions.
04/07/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • AZ
  • 85234
Web
I was told I was getting extended warranty, no cost mentioned, to help lower my rate. The finance manager didnt not explain well at all. I was told I can retract the cost by signing a form of cancellation as long as I got it in with 90 days. I did and got confirmation via email. I am now 6-8 month after purchase and still have not got reimbursed for the cost. At this point I should get to keep the extended warranty and get reimbursed the cost rather than being told too bad. The dealer XXXX XXXX of XXXX AZ, offered to take my car back and roll me into a new one instead, but only give me a fraction of trade in value. I bought the Nissan in XX/XX/2017, now only 6 months later they offered me $ XXXX less than whats owed and a more expensive Nissan with barely less miles to make up for the hassel and their mistake. I have never dealt with a company who has treated me the way XXXX XXXX has. In addition, when the dealership found out they made the mistake, they tried to only offer me {$300.00} back on a {$2400.00} cost of extended warranty. The general manager XXXX XXXX, has not personally called me back to address this. He has his sales managers call me to give me a more expenses car. This dealership is very unprofessional and doesnt take ownership of a mistake, even though they have acknowledged they made a mistake. I will never use or recommend this dealership to anyone and will take action.!
08/20/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • TX
  • 77375
Web
This is the third complaint on Nissan Motor Acceptance Coroporation. I called Nissan and told them I had a domestic dispute and was in the hospital XX/XX/XXXX. My kids and I were in crisis. I was granted an 90 day deferment,. I have been complaining about an investigation on what happened to this call. Third complaint on XX/XX/XXXX. Recovery Spotters a total of 5 were following me. I pulled in a neighborhood and refused. I was still followed. I had XXXX children in the car. I pull in my car. My children were afarid. A total of 8 recovery spotters were driving on XXXX XXXX XXXX XXXX TX XXXX at high rate of speed. I called the Constables office because I have some right to peace of mind and my children does n't need to be in fear. The Police parked in front of my home after I filed a third report. Of Agents tapping on my window and disrupting my neighborhood at night After the Police told me he was off his shift. Around XXXX Recovery Spotters were again going at high speeds down the street. My Neighbor chase one down to tell them to stop. Also he knew I was afraid. There is one main street in my neighborhood. There are children. Again for the third night. Breach of Peace is broken. I should not be afraid while working with Nissan to recover a phone call. I also submitted a legal notice to Nissan to cease this unlawful acts. I 'm in fear. The also are children on the street one can be harmed
06/14/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33129
Web
I loaned a vehicle from XXXX back on XX/XX/2019. The dealership requested Infiniti Financial Services to run a hard inquiry on that day on my credit, which I approved, and I got my car. On XX/XX/2019, when the car was already in my possession, unknown to me, the dealership run another hard inquiry on my credit, which I did not approve. I realized of the mistake a couple of days later and immediately contacted both the dealership and Infiniti Financial Services to remove the unauthorized hard inquiry of XX/XX/XXXX from my credit. Since XXXX, I have been calling XXXX every week to solve this issue. They recognized their mistake and kept telling me that they sent a request to XXXX to remove the hard inquiry from my credit. They told me that it would have been removed in 90 days. After the 90 days, I contacted XXXX and they told me that they did not receive any request from XXXX. I asked XXXX first to re-send the letter to XXXX and second to send me a letter stating that they sent this request to XXXX. After a couple of weeks, I contacted XXXX again to check if this time they received the request from XXXX and again nothing. I asked if I could send them directly the letter that XXXX sent me and they told me that the only entity that can remove the hard inquiry is XXXX. I feel trapped in an endless circle because XXXX keeps saying that they sent the request and XXXX keeps not receiving it.
05/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 20112
Web
On XX/XX/XXXX, I contacted Nissan Loss Recovery Department and spoke with a representative by the name of XXXX XXXX, regarding the reporting of inaccurate information by Nissan Motor Acceptance Corporation, to the three major credit bureaus ( XXXX, XXXX, XXXX ). I purchased a XXXX XXXX XXXX ( Vin # XXXX ) on XX/XX/XXXX from the XXXX XXXX XXXX XXXX XXXX, Virginia. I voluntarily surrendered the vehicle on XX/XX/XXXX and possession was taken on XX/XX/XXXX from my place of residence at XXXX XXXX Court, XXXX, Virginia. Because I was protected by law through a Chapter XXXX Bankruptcy ( Case # XXXX ) with the U.S. Bankruptcy Court Eastern District of Virginia, that was discharged under 11 U.S.C. 727 on XX/XX/XXXX, I was NOT personally liable for any remaining balance due after the sale of the vehicle. I was advised by XXXX XXXX that prior to XX/XX/XXXX, the information that Nissan had previously reported ( Account included in Discharged Chapter XXXX Bankruptcy/Paid as Agreed/Closed/XXXX Balance was indeed accurate. However, after viewing my credit reports on that same day, the account status was reporting inaccurately as Open/Current/Balance of {$10000.00}. XXXX XXXX then informed me that because XXXX had received a Cancellation of Warranty payment in the amount of {$700.00} on XX/XX/XXXX from the XXXX XXXX Dealership, they reopened/reaged my previous account and reported those inaccuracies.
08/20/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • NC
  • 28277
Web
On XX/XX/XXXX, I went to XXXX XXXX in XXXX, North Carolina to trade in my XXXX XXXX XXXX for a XXXX XXXX. The trade-in/deal was successful with no issues and the payoff check for {$26000.00} was sent to Nissan Motors Acceptance Corporation ( NMAC ) on XX/XX/XXXX. The check was cleared on XX/XX/XXXX and it was processed by NMAC on XX/XX/XXXX. Upon processing, my auto loan with NMAC was closed as it was paid in full and was reported to all three credit bureaus with the same status. On XX/XX/XXXX, I received a notification on the XXXX XXXX app on my XXXX and saw that the loan had reopened this month and I lost 40 points towards my XXXX score, 8 on my XXXX and 10 on my XXXX score. It was also reported that I have three late payments when I never had a late payment during my time with NMAC ( I purchased the Nissan brand-new in XX/XX/XXXX from XXXX XXXX in XXXX, NC ). I spoke to three different representatives from NMAC over the phone and each time the rep could n't explain why my auto loan account reopened and promised to call me back with any updates but never received a callback. On XX/XX/XXXX, I went to XXXX XXXX & spoke to the payoff clerk who handles the payoff checks and she confirmed with me that not only that the payoff check cleared with XXXX 's bank but the XXXX has since been sold and when the payoff check was cleared on Nissan 's end, NMAC sent XXXX XXXX the title of the car.
10/05/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • PA
  • 19382
Web
Hi Sir, Greetings of the day. I need your help in settling my lease account with NISSAN MOTOR ACCEPTANCE CORPORATION ( NMAC ), XXXX XXXX XXXX, XXXX, TX XXXX. I traded in my leased car ( from NISSAN ) to XXXX XXXX of XXXX, PA on XX/XX/2020. XXXX XXXX agreed to buy back the car from NISSAN by paying the residual value and outstanding lease payments. Accordingly, they sent the following payoff checks to NMAC : 1. 1st check was received by NMAC on XX/XX/2020 ( Amount- {$14000.00} ). This check was never processed. Hence XXXX XXXX had to cancel this check and send a new check. 2. 2nd check was received by NMAC on XX/XX/2020 ( Amount- {$14000.00} ). This check is also unprocessed till today because of their negligence. I tried to call them multiple times to process the payment and close my account. Every time they give the reason for the delay is COVID 19 pandemic. They have an SLA of 15 days which they have violated already. They are very insensitive. Now they have moved my account to their collections department and I am getting harassed by the collection agents for payment again. Additionally, they are also charging late payment fees to my account. They are also threatening me that it will be reported to the credit unions. I am going through enough mental trauma for more than a month now. Please help me get this resolved as soon as possible. Thanks and regards, XXXX XXXX
06/04/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • FL
  • 33433
Web
We returned our XXXX XXXX XXXX to XXXX XXXX of XXXX XXXX XXXX, they took possession of the vehicle in XX/XX/XXXX and we obtained a new lease on the same day, XX/XX/XXXX. XXXX XXXX was our sales person, he took the keys to the XXXX XXXX and presented our keys to the XXXX XXXX XXXX that we began a new lease on. In XX/XX/XXXX we received a call from Nissan Finance followed by a letter stating that we owed them {$770.00} for rental and excess wear and tear. XXXX XXXX never communicated to Nissan Finance that they took possession of the vehicle in XX/XX/XXXX. Additionally, after taking possession of the vehicle XXXX never walked over the vehicle with us to let us know that there may be additional fees for wear and tear. By not walking around the vehicle with us and documenting any damage XXXX has prejudiced us as we had no ability to discuss the alleged damages. Also, since XXXX had possession of the vehicle from XX/XX/XXXX to XX/XX/XXXX they can not make any allegations of wear and tear against us. XXXX may have caused the alleged damages that Nissan is attempting to collect and has sent to a collections agency. We demand that XXXX XXXX of XXXX XXXX XXXX take care of this bill as it was due to their incompetence that a bill arose from this situation. Additionally, if there is anything against my credit, I demand that XXXX and Nissan remove any of this against my credit immediately.
06/14/2016 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Called outside of 8am-9pm
  • CA
  • 91040
Web Older American
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
07/15/2019 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23324
Web Servicemember
I have an account with XXXX XXXX and I authorized payment to be debited out of my checking account. The draft date was XX/XX/19, in the amount of {$600.00}. I just learned today that the check was not honored. When I check with my banking institution, XXXX/XXXX they stated they would only pay transactions within a {$10.00} range if the debit card was used for the same account. When I reviewed my transactions I had {$590.00} available. I didn't receive any mail stating my account was about to go delinquent prior to the 30 days mark. I didn't receive an email that my account was delinquent. The creditor states they only made phone calls to my old number which continuously rings busy at XXXX. Previously when I had this number, the outgoing message had my voice and now it does not. My number was changed in XX/XX/2019. I was not given the opportunity to remedy an error on my part and the Creditor failed to use due diligence to use all methods to contact me. This is the second car that I purchased from Nissan so they know that I pay my car payment on time. This was out of the ordinary for a customer like myself not to respond to calls or not have a voice mail set up. In normal collections, a representative that is present and reviewing the account would notice this versus someone going through the motions and being robotic. I now have my credit report dinged because of the XXXX.
02/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 75241
Web
On XX/XX/XXXX, my credit was ran without my permission. I had been lied to and deceived by XXXX XXXX XXXX XXXX XXXX, who had already previously ran my credit on XX/XX/XXXX. There was no need or permission given to Nissan to run my credit check a second time. As a result of Nissan 's violated action against me, my account received multiple hard credit inquiries from various auto lenders, which stay on your credit for 2 years, not to mention a reduction in credit score. I have attempted to contact Nissan, lenders, and credit bureaus, but I have only gotten the runarounds between these entities, with no resolution in sight. I was even told to file a police report from one credit bureau against these lenders if they were not willing to cooperate with me and help me remove unauthorized inquiries from my credit. I have not filed a report and hope that my complaint here will be resolved successfully, without any need to file a police report against these lenders- especially since Nissan was the one in charge and at fault in allowing this to happen. What's so disheartening is that after I was lied to by a Nissan rep and he ran my credit against my knowledge and permission, I was told by his boss that he would help me resolve the duplicate and erroneous hard inquiries made into my credit report ; but he flat out lied as well, and that left me with little to no option unfortunately.
04/11/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • GA
  • 30030
Web
I would like to pay off my car lease. But NMAC/XXXX XXXX has blocked my online account, making that impossible. When it was active, ( before XXXX XXXX closed it ), I deliberately changed my permissions, so Nissan would stop calling me over and over, with people who are such " hard salespeople '', I feel I can not trust and have not given me the whole picture. Since I have cut off phone comunication, NMAC Finance is perfectly welcome to communicate with me in writing through the mail. And yet, no letter has arrived. Though I keep receiving unwanted call after call after call. Yes, we have business to complete. It sending late messages to my credit report. Yet it not allowing me to pay. I would like to do that. How can a company hit your credit repeatedly, without even sending a letter about it? Especially over a few thousand dollars. This is ridiculous. People can be ruined while NMAC sits by and believes that debt-collecting houds are a proper way to do business. All I want is for them to contact me in writing and to pay them. In the latest call, I can not even tell if the rep could accurately capture what I was talking about, based on his English. ( And I am very much ok with foreign call centers in general ). But I do know that Nissan should not be calling me, and that I WANT to pay Nissan Finance, but Nissan Finance appears to be deliberately making that impossible.
01/27/2016 Yes
  • Debt collection
  • Auto
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • CT
  • 06105
Web
After my three year lease with Nissan Motor Acceptance Corporation ended, I received an invoice for {$4200.00}. I promptly responded and paid {$660.00}, the amount I was certain was due to Nissan. With respect to the other items in the original invoice, I sent Nissan a letter dated XXXX/XXXX/XXXX disputing certain items, asking for verification that certain expenses had been paid and asked for verification of the basis of certain charges. The next invoice I received a letter from Nissan credited my payment but did not respond to any of the issues raises in my letter. I then sent another copy of the letter, and had the post office provide me with a tracking source that the letter had been delivered. On XXXX XXXX, XXXX I received another letter from Nissan reminding me that the balance of {$3500.00} was due, and staring that if I did not pay the amount due, my account may be referred to collections and the credit reporting agencies. Nissan has an XXXX number to call, and I tried it twice, finally hanging up in frustration after being on hold over 12 minutes. The majority of the amount Nissan claims is due is likely valid, e.g., the amount Nissan claimed paid to the XXXX for an annual car tax. I am only asking for verification that Nissan paid the bill from the city .A majority of the amount in question can be resolved by Nissan providing me with the backup requested.
08/12/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Taking out the loan or lease
  • NC
  • 28211
Web
I leased a vehicle with XXXX XXXX Nissan in XXXX, NC. It was a three-year lease ending XX/XX/2016. In the lease contract, under the heading " Purchase Option, '' it states : " You have the option to purchase this Vehicle 'AS IS ' from the originating dealer ... in cash for the Purchase Option Price, plus any official fees and taxes, vehicle inspection costs required in connection with the purchase, and a Purchase Option Fee of {$300.00}, which fees, taxes, and costs are not included in the Purchase Option Price agreed to in Section 6. '' The Purchase Option Price under the lease was {$16000.00}. The lease also contains a section defining official fees and taxes as including only " registration, title and license fees, and personal property taxes. '' When I went to the dealership to exercise my purchase option under the lease ( the same dealership I leased the vehicle from ) it tried to charge me an additional " Administrative Fee '' of {$690.00} and an " Electronic Filing Fee '' of {$120.00} in addition to the other official fees and taxes and vehicle inspection costs. When I complained, the sales manager XXXX XXXX, admitted that these administrative fees were not disclosed in the lease contract, but refused to remove them. He said that if I did n't want to pay them, then I would not be able to exercise my repurchase option and would have to return to the vehicle.
04/12/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • VA
  • 23324
Web Servicemember
I reached the end of my lease and asked for an extension which I was given. I had problems with the lease because the contract had the incorrect mileage at XXXX miles. It's my understanding that this would make the contract void. I submitted a CFPB complaint which Nissan Finance responded stating XXXX XXXX ( Dealership ) needed to correct which they have not. I was given my options : purchase, turn in, and I provided I could trade they agreed. I wanted a XXXX. I went to XXXX XXXX to purchase a XXXX and I provided the payoff from the Nissan website good thru XX/XX/XXXX. I completed a full application and credit check, with paystubs. I was told there was an additional $ XXXX for early lease termination fees. Mind you my lease ended on XX/XX/XXXX. I tried to payoff the loan again through XXXX and authorized my salesman XXXX XXXX on XX/XX/XXXX and XXXX refused to speak to Mr. XXXX with XXXX. I believe that XXXX XXXX placed incorrect mileage on the lease contract so that I would incur a large fee at the disposition. I'm the one that caught the error not Nissan Finance or XXXX XXXX. I'm not sure how many other customer 's they have done this to on a lease and they should not be permitted to add a number to the mileage and think it's permissible. This contract is void. This is a large error on their part the mileage on a lease is paramount and they made a huge mistake.
09/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • SC
  • 29506
Web
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.
03/24/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • OH
  • 44077
Web
I just purchased a car through XXXX XXXX. One requirement in order to obtain the deal I received was that I could not put any money down and had to finance through XXXX XXXX in order to get the dealer offer. This meant a high interest rate of 5.62 % but I paid XXXX less than if I chose to get my own financing outside of the Nissan offer as the rebates would no longer apply. I was told I have to keep the loan for 4 months and then could refinance the loan with my lender of choice. I do not have any bills which require a check be mailed and I saw the pay by phone and online options. I decided to make my first payment by phone and wanted to pay a larger amount of {$4000.00} to begin paying it off faster. I was told their was a {$5.00} fee for this which is common and not unexpected. I was informed that I could only pay {$2000.00} and if I wanted to pay more, would have to call back and would be charged another fee. I feel this is unacceptable because unless I set up automatic payments online I would also be charged for online payments. also on my statement, I only see my balance and minimum payment. I do not see the interest that was charged for the billing statement. I like to verify that I am being charged properly and my statement gives me very little information. I will be refinancing as soon as I am able to not be charged yet another fee for early termination.
09/29/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • FL
  • 34291
Web
RE : Nissan Consumer Affairs ( LEMON LAW ) Case # XXXX VIN # XXXX On XX/XX/XXXX, I contacted Nissan Consumer Affairs because Engine Light came on four different times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) after being serviced by Nissan Dealership, on my new XXXX XXXX XXXX. I contacted Nissan Consumer Affairs and initiated a complaint of Lemon Law due to defects of the vehicle. I requested for Nissan to return the vehicle back into their possession. Nissan assigned my case to XXXX XXXX, Abritration Specialist 1, Dispute Resolution, Phone # XXXX, Fax # XXXX. XXXX XXXX, XXXX, the vehicle was taken back to Nissan for an inspection ordered by XXXX. However, XXXX failed to follow up on the next steps regarding this case. I called XXXX and left voice messages numerous of times and emails. There were several emails sent internally by Nissan Consumer Affairs asking her to contact me. On XX/XX/XXXX, I received an email from XXXX stating " I will call you tomorrow ''. I did not receive a call from her at all. On XX/XX/XXXX, I called and email XXXX regarding the status of this claim and she hasn't returned the call. XXXX stated due to inconvenience of the vehicle was being serviced by Nissan Dealership for more than one week and two other previous time that the vehicle was being serviced that I would be compensated. I am still waiting on the compensation.
05/12/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • FL
  • 33322
Web
On XX/XX/2019 XXXX XXXX XXXX sales and finance staff collaborated in producing a predatory loan in order to sell a XXXX XXXX XXXX XXXX XXXX in the amount of {$42000.00}. To confirm our suspicion we reached out to the lender and requested a copy of the original credit application be forwarded to us. The findings were as follows : - Forgery of credit application. - Overstating income for applicant # 1 in the amount of $ XXXXmo as retirement income when applicant # 1 works full time making only $ XXXX/yr. - Overstating housing expenses of applicant # 1 as $ XXXXmo in rent when the home is owned free and clear. - Overstating length of employment for applicant # 1 saying 5 years when applicant was at current place of employment for less than 12 months. - Overstating income for applicant # 2 in the amount of $ XXXXmo working as a XXXX at an XXXX XXXX when applicant # 2 is a XXXX speaking XXXX XXXX. -Understating applicant # 2 's housing expenses as living with family when applicant lives only with his a spouse and children paying rent. Applicant # 1 was rushed and tricked into cosigning this fraudulent purchase to help " lower the cost '' of Applicant # 2 's work vehicle because Applicant # 1 has great credit. All along XXXX XXXX XXXX 's sinister plot was make financial gain by defrauding the lender into funding a loan Applicant # 2 can not afford.
04/27/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem extending the lease
  • NY
  • 10805
Web Older American, Servicemember
This is my second attempt to find fair and just treatment at the end of my lease relationship with Nissan Motor Acceptance Corp. Not only have they improperly reported me late to the credit bureaus which dropped my credit score by XXXX points, but they claimed that my relationship with them was resolved when it is clearly not resolved. Though my lease with NMAC is now current, that company is still trying to bill me for issues that were caused by them and not me. This is, specifically, their inability to process video tolls in a timely fashion which caused the very small tolls ( under {$5.00} in every case ) to increase to over {$50.00} in every case, due to the penalties that were added to the tolls. These tolls were NEVER sent to me and were always sent to them for payment, as the registered owner of the vehicle,. In addition, they have charged me late payment fees with NO explanation. as I do not believe I incurred any late payment fees even though NMAC claims that I have paid late almost two years ago. How much additional proof does the CFPB need before they declare NMAC a predatory lending institution and fine them accordingly? If nothing else, please have NMAC send a letter of explanation to the credit bureaus so my FICO score will rebound and have them take the responsibility for the video toll penalties so that I can pay the actual tolls.
11/30/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 75407
Web
I signed a loan with Nissan Motors. I have not had a problem with this loan until recently. Unfortunately i had a total loss. However i was smart and purchased GAP. Since XXXX/XXXX/15 ive been trying to work with NIssan to get the loan taken care of. I have paid my account like always and i have been working with GAP to get their check issued out for the loan. This has been stressful. I have spoken to several customer service representative and customer relations and have been hung up on told different answers, have been talked to in a poor manner tranfered back into the call que. Also i have filed a XXXX complaint but the coropartion has failed to respond or do anything or even acknowledge the complaint. I have been trying to get copies of the warranty cancellation policy checks so i can sent to GAp so they can redo their portion due to the fact they under estimate what i would get back on the poiicies. I have called daily trying to get it resolved no one has helped and they are very rude. I think its sad that they cant even respond to a XXXX complaint. In the mean time another month has passed and i am now due for a payment when GAP has been trying to pay but due to the negligence of NIssan i am forced to pay even thoughi havent had to car in two months and im trying to resolve the issue. I just need some help i feel discouraged and stressed out.
02/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MS
  • 39402
Web
On XX/XX/XXXX, Nissan Motor Acceptance Corporation ( NMAC ) received a check from XXXX for funds totaling {$16000.00} to pay off my truck lease. I financed the purchase of the truck through XXXX. On XX/XX/XXXX, NMAC sent a letter to XXXX requesting a completed and signed odometer statement. Apparently the completed and signed odometer statement XXXX sent with the payoff check to NMAC was misplaced in processing. I was sent a copy of the letter " for information only. '' After speaking with NMAC multiple times in XX/XX/XXXX to resolve this issue, it was determined by NMAC that a new completed and signed odometer statement was all that would be needed to close the lease account. On XX/XX/XXXX, a new completed and signed odometer statement was faxed to NMAC, along with a copy of the XX/XX/XXXX letter from NMAC that stated in writing the payoff funds had been received. On XX/XX/XXXX, I obtained a payoff letter from the NMAC payment website, confirming a payoff due of {$0.00}. Apparently the payoff information was not provided to the NMAC leasing division. As a result, the account has been reported to all three CRAs as 30 days late. I filed disputes with all three CRAs, and they are reporting that NMAC verified 30 days late as accurate. This lease account was paid on time with no missed payments, and the payoff amount that XXXX sent was quoted by NMAC.
05/20/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • CA
  • 90250
Web
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.
06/25/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70586
Web
To whom it may concern I entered a consumer credit transaction using my credit card as defined in 15 usc 1601 ( l ) with Nissan Motor Acceptance Corporation in which a finance charge was involved. I asked validation on XX/XX/2021 through the mailing system with a green receipt and still till this date on XX/XX/2021 the debt has yet to be validated. An Affidavit that was notarized and cease and desist letter was also sent out on XX/XX/2021, and Nissan Motor Acceptance Corporation is still sending me bills concerning a debt that has NOT been validated. A CFPB complaint was submitted that they have not answered also. Nissan Motor Acceptance Corporation has threated to take possession of my car which was the result of a consumer credit transaction. Pursuant to 15 usc 1692g any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt. The Debt was not Validated through any form of paper work. They are violating my federal rights trying to collect on an alleged debt that has NOT been validated and have infringed upon my right to privacy by reporting false and misleading information on my consumer report therefore ruining my consumer reputation, character, credit worthiness and credit standing. I want to exercise my Right to Rescind.
02/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 21046
Web
I was given extension or payment relief by XXXX for two months XXXX and XX/XX/XXXX and those payments were adjusted at the end of plan XXXX and XX/XX/XXXX beside relief nissan motor acceptance charged me one month XX/XX/XXXX gave me one month relief and taking two payments at the end of the plan over to this they reported me late payment in the months they gave me relief according to my records they took two payments in XX/XX/XXXX month one on XX/XX/XXXX and second payment on XX/XX/XXXX I reported 6 to 7 times on phone and XXXX not agree to resolve it and credit beauros they also taking XXXX side I am helpless my credit score goes down I started bussiness and need financial help for bussiness but nobody gave me loan for starting bussiness because of my score and it result in hard inquiries over my score I am financially broke and in critical situation I have family these guys playing with me like it doesnt matter for them but it matters for me because I have XXXX sons XXXX wife family to look after but they playing with me continuously now I am filling complain against these two nissan motor acceptance and XXXX XXXX and XXXX I am attaching reports and documents with complain I need it to get resolve as soon as possible now I am going to file suit against XXXX i have call records when i filed the dispute and many times called them
04/16/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • NC
  • 28205
Web
I had a new car loan through XXXX ( Nissan Motor Acceptance Corporation ) XXXX. The loan start date was in XX/XX/XXXX and the loan was set up on autopay with my bank. I was never late for one payment and never received notification other than to state when the autopay amounts were paid. On XX/XX/XXXX, I got an alert from one of the credit monitoring companies that I subscribe to that my credit score changed from a score of XXXX to XXXX because of a late payment reported by XXXX XXXX. I called XXXX XXXX the next morning and they informed me that they will not auto debit the last payment left on a car loan and that I had to manually pay the last payment. I was never informed of this requirement before the day I spoke with NMAC and did not receive any notice that this last payment was late. I had an over 5 year history of making on time payments and a credit score of XXXX prior to this issue. If I had been made aware that the last payment had to be made manually, I would have made the last payment, on time, like the over 60 monthly payments before. XXXX XXXX sent a letter to the credit reporting agencies that I paid off this loan but the letter did not state that the over 30 day payment report was an error on XXXX XXXX 's part but only stated that the account was paid off. My credit score is still low ( XXXX ) because of XXXX XXXX.
03/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34953
Web
XXXX XXXX XXXX stop reporting my payments to the credit bureau agencies from XX/XX/XXXX to XX/XX/XXXX. Their reason/excuse is due to the economic relief Cares Act which has actually hurt my credit rather than help it. In addition to this, XXXX XXXX have FALSELY reported my payment history in previous months. They reported my account to be 60 day late twice in XX/XX/XXXX and XX/XX/XXXX. I disputed this information with the credit bureaus twice but the inaccuracy remained. Finally I wrote XXXX XXXX XXXX department on XX/XX/XXXX, they replied to me via mail and according to their own research, the payment history they provided for my account DOES NOT show any 60 day late in XXXX ( see attached ). So the information provided to me from their research letter IS NOT the same information they're providing to the credit bureaus.I provided the letter to the credit bureau ( XXXX ), they acknowledge the discrepancy, however they inform they are not able to update the information without XXXX XXXX XXXX providing them the updated information. This issue has made it extremely hard for me to purchase a home for my family as well as other financial obligations ( rental, auto refi, etc ). Infiniti Financial Services should be held accountable of the way they've mishandled my accounts. This is a clear violation of the Fair Credit Reporting Act.
05/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 31321
Web
NISSAN MOTOR ACCEPTANCE {$2200.00} There is no contracts, no valid claims ... account was settled original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
09/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MA
  • 02780
Web
Nissan Finance is reporting false information to the credit agencies. There have been several attempts to correct this information but Nissan Finance will not provide the correct information. An account with Nissan was included in a chapter XXXX. However, no payments were ever missed on this account, that includes prior to and during the chapter XXXX. I paid the account outside of the bankruptcy and paid it off in full, early, with no late payments. I hold the title to the car. However, according to the credit agencies, Nissan has reported Delinquent payments. This is 100 % false reporting, as stated above no late payments ever occurred. During these difficult Covid Times, I am trying to refinance my mortgage to help me through. Nissan is holding this back. I'm not saying Nissan isn't correct in saying that this account was included in Bankruptcy, I am saying that their reporting of delinquent payments are wrong and must be corrected. This account is scheduled to fall off the report in XX/XX/2021, but during these times, I just can't wait that long. This would help me out tremendously. As can be seen in the attached, this is one of 3 accounts falsely reporting. XXXX XXXX has fixed theirs and that should be showing as paid in full with no delinquencies soon. The other is an account that will also be reported to correct.
02/19/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • SD
  • 57718
Web
On XX/XX/XXXX I went and purchased a used XXXX XXXX XXXX from XXXX XXXX that is located at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. The vehicle was a pre-certified XXXX model. The payments should have been {$320.00} per month with a 72 month contract agreement. I was told by the loan officer to get the extended warranty, so that if anything happened to the car it would be covered. This brought the payments up to {$390.00} a month. Since then I have moved to South Dakota, and I had to bring my car into Granite XXXX in XXXX XXXX for a few repairs. That was on XX/XX/XXXX. They looked up my Vin Number, and asked why I was paying for an extended warranty when it was already pre-certified car. Good question I asked. I didn't know that everything was already covered with that. Being a woman I was taken for granted by the sales man, and the loan officer. I have been paying that amount since XX/XX/XXXX which comes to ( including interest charges ) : {$4700.00}. I am asking for a full refund, plus interest on all of those months paying for something I did not need. I only owe another 19 months on this loan, and calculating that including interest, another {$2100.00} should come off of the loan agreement since that amount was tied in with the contract agreement. By looking at that I should only owe XXXX another {$4700.00}.
06/25/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • KY
  • 42001
Web
I used to send a few months at a time by mail to pay my loan payment with Nissan. I noticed and started get calls from Nissan that my payments had not been received. It started taking longer and longer for my checks to be cashed by Nissan. I received another call explaining my account was about to be late for my XX/XX/XXXX payment. I explained my check was in the mail. The collector said he could take a payment over the phone but at the time I could not afford for the check and the phone payment to clear. Magically my check cleared shortly after the phone call. I immediately stopped mailing checks and started using their online system. It must be nice to be able to hold checks to create late payments. As you can see from my electronic payments always timely. Either this company is trying to create extra money with late fees, trying to discourage people from mailing checks to use online payments, or there was a mailing issue. I spoke with XXXX on XX/XX/XXXX and was told I would get a response in 15 days. I did not. I contacted XXXX XX/XX/XXXX and was told Nissan could not change it without getting fined by CFPB As one can see from my 30 plus years of credit history there has never been a over 30 day late. How is it fair credit reporting with most of my payments are over 30 days in advance and they don't report that.
08/21/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • TX
  • 78653
Web
On XX/XX/XXXX I enrolled in paperless and automatic billing for my XXXX XXXX lease through XXXX ( their own portal, not my bank 's ). I have email confirmation that I 've done so. Fast forward to XX/XX/XXXX XXXX - my car is being towed out of my driveway by a repo company. I received no emails, no phone calls, nothing in the mail, not even a message on nissanfinance.com 's message portal. Apparently they NEVER billed my bank for the monthly payments that I set up and never contacted me to tell me that I was delinquent. Normally when a bill is late you receive some correspondence from the company because they want their money, but apparently Nissan would rather steal your car and make you pay exorbitant repo fees. I tried calling Nissan and the representative refused to A ) admit that there could 've been an error in their system, B ) transfer me to a supervisor, C ) work with me on paying the repo fees that were unjust. I was n't delinquent on my account - always paid on time - and have the money in my account to pay in full. When I was paying through my bank my payments always arrived, but I was encouraged to enroll in their paperless billing, then all XXXX broke loose. Again, I have email confirmation that I enrolled in their paperless billing on their website, but it was never actualized. Horrible customer service.
03/02/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • FL
  • 33682
Web
On XX/XX/2018, I had an issue with my tire and needed to obtain proof of additional products purchased ( Road Hazard ) to get assistance in the current city I live in ( XXXX, FL ). Due to me not having the documents needed, I tried to contact XXXX FL XXXX and my calls was never returned and when I got through to Sales I was denied assistance. I then reached out to corporate and made a complaint ( XXXX # XXXX ) and requested to cancel my XXXX XXXX extended warranty and additional products purchased through the dealership ( GAP and Road Hazard ). XXXX XXXX promptly processed my request to cancel my extended warranty ( Case # XXXX ) but I am still having issues cancelling my GAP and Road Hazard because the XXXX FL dealership is giving me the " run around '' to process the request. Due to the numerous issues I am having with XXXX and being tied to a vehicle loan, I only wish to pay my car loan and obtain other business needed with another company ( GAP/ Road Hazard ). On XX/XX/2018, I spoke with a specialist at XXXX named " XXXX '' and left a voicemail explaining the issues with this dealership but I do not know what else to do. I will not and find it ridiculous that I drive or complete the process through mail with the dealership. I have done ever other request via phone/ electronic and I wish to proceed that way.
03/22/2017 Yes
  • Consumer Loan
  • Vehicle lease
  • Shopping for a loan or lease
  • UT
  • 84117
Web Servicemember
About 23 months ago I went to a Nissan dealership in XXXX, UT to look into a lease. I test drove a few cars and afterwards the salesman had me speak with his manager and store manager. They were all friendly and told me stories about their family members who are also service members. I told them that I was just looking and not ready to lease. After talking for several minutes, and much pressure from all 3 characters I decided to move forward with the lease. I told them several times that I only had {$500.00} to put down. They insisted over and over again and I ended up putting {$1500.00} on my credit card. I also told them I wanted full market value for my car that I was trading in, which was {$10000.00}. They gave me {$6000.00} for my car. After all was said and done I was stuck with a high monthly payment of {$400.00} for a sedan lease, was undercut {$4000.00} on my trade, and was pressured into a bogus deal and a {$1500.00} debt of money I did n't have. I thought I could trust these guys since they talked so sincerely about their kin who were service members, but I ended getting played. Never doing business with them again. Please learn from my terrible experience and do n't let con salespeople like these man trick you into giving money you do n't have and making false connections with you just for your money.
10/04/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • NE
  • 68069
Web
Regarding my account with XXXX XXXX for a lease on the XXXX XXXX XXXX. XXXX XXXX added sales tax to my monthly payment in error. In the state of Iowa, you pay the sales tax for the year when you register the vehicle. They mistakenly, retroactively added sales tax to my monthly payment amount with out notifying me. I did not realize this until I logged into my account online and noticed they were claiming I was behind on my monthly payments. My monthly payments were taken automatically out of my checking account. I asked the rep two questions : 1 ) Why was the auto payment not adjusted accordingly so it at least did not appear I was late on my payments. They said there was a glitch in the system and it should have adjusted. 2 ) Why was I not notified of a change to my monthly payment amount so I could dispute it. No explanation could be provided. I was told on this call that they would confirm the vehicle was in fact registered in Iowa and would issue me a credit on my account. The credit was issued at a later date. I asked them if they would also correct my credit as they reported me late to the credit bureaus. I was told this would be done, but I see it has not as it still shows I paid 30-60 days late. I would like this reflected accurately on my credit report as I never made a late payment to XXXX XXXX.
02/13/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Problem with a trade-in
  • FL
  • 33467
Web Older American
XX/XX/XXXX : Contacted by XXXX XXXX asking me to trade my XXXX XXXX in for a new vehicle ; offered above market value. Went to dealership. Eventually referred to XXXX XXXX for the new vehicle. Assured my XXXX had required value to trade in. Leased a new XXXX at XXXX XXXX and traded in the XXXX. XX/XX/XXXX : Delays in receiving new XXXX, delays in receiving paperwork on new XXXX, payment statement for new XXXX arrived AFTER due date, financing company delays in receiving and processing the traded in XXXX. XX/XX/XXXX : Recd mailed Notice from XXXX XXXX XXXX that the XXXX was repossessed. Called them and they said DISREGARD. Called XXXX XXXX and they said the same, apologized for delays. XX/XX/XXXX : Recd collections notice for balance due on XXXX. Since that time, we have written and communicated many times with both XXXX XXXX XXXX, the XXXX dealerships, and with the XXXX XXXX XXXX. XXXX and the finance company have each blamed the other for errors made, resulting in the balance due. Neither will take responsibility for it. It is our belief that XXXX XXXX knew what they were doing, caused the delays, and did not properly process our paperwork, trade-in payoff, or return of the traded-in vehicle. All documentation has been provided to all three credit reporting agencies which will confirm all of the above.
08/27/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • CT
  • 06712
Web Servicemember
In summary, I have no access to my account online, the company does not send paper notices, email statements, or have they discussed the amounts in question while on the phone. Trade/turn in issue : In XXXX XXXX I leased a vehicle through XXXX XXXX XXXX serviced by NMAC. I have paid every payment on time in full from day one. I have been trying to trade the vehicle in since XXXX XXXX. This had mot come to fruition due to a number of reasons including poor communication on behalf of the sales team, suitable vehicle availability, scheduling test drives during COVID. At the expiration of the else I continue to have issues that included getting call backs from the dealer to get inspections and turn in scheduled. Managing the lease : I opted into paperless accounting. At the expiration of the lease, I attempted to access the account. I was locked out by NMAC. The phone number provided had a COVID related message suggesting calling at a later date, which I did as well. I was unsure of what i would owe without this access. NMAC finally contacted me right as we identified a new vehicle during mid XX/XX/XXXX. I expressed the desire to return the vehicle and requested a communication of what was due on the account. I was contacted by them again and expressed the same only to be refused the account balance yet again.
05/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07059
Web
While in the process of a refinance, it was brought to my attention of a purported debt owed to Nissan Motor Acceptance Corp. from 2015 which appeared on my credit report stemming from the end of a lease. At no point was I ever advised of this debt or brought to my attention to resolve it. This is because the debt was completely false. XXXX XXXX ( my refinance company ) connected me with XXXX XXXX who called Nissan with me to figure out why it was there. During the call, they refused to remove the debt and insisted I owed it. To say they were rude would be an understatement. While on the call being accused of owing something I did not, I located the attached letter proving that my account balance is XXXX. I asked him if I can send it to him and he said fax only and they would try to get it resolved in 10-15 days. Since my closing is within that time period, I asked him to move faster and he refused. Instead he told be to call XXXX XXXX XXXX - which I did - who actually confirmed to me that they are showing that no such debt exists. While I am also faxing this proof to Nissan, their attitude and disregard for consumers who pay their bills in full is unacceptable and should not tolerated. I am reporting this as others should not have to deal with credit reporting issues which should otherwise not exist.
10/27/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NY
  • 10980
Web
I purchased my auto from Nissan and financed the sale via Nissan Finance. I elected the FinanceSignatureDIRECTPAY system which allows for automatic payment withdrawal from my bank account. Nissan Financial has been taking my monthly payments directly from my bank account since the sale was made. For some reason - they say my paper work was late I say they delayed processing it - the first payment was delayed and therefore some subsequent payments, according to them, were late. Nissan Finance has been taking all payments out of my checking account on the XXXX of every month, none of those payment were late ( see attached payment record ). This problem is a bookkeeping issue on the part of Nissan Financial and should not affect my credit history. I made an " extra '' payment to this loan to fix the bookkeeping error on XXXX/XXXX/2014. Please have Nissan Financial correct the information they sent to the credit reporting agencies post-haste. Enclosed is a copy of my payment records from Nissan Financial 's web site supporting my position. Please investigate this matter and contact the national credit reporting companies to which they provided this information to have them delete the disputed item [ s ] as soon as possible. I tried to resolve this issue with your phone customer service reps to no avail.
08/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48111
Web
On XX/XX/XXXX, Infiniti Financial, AKA Nissan Motor Acceptance Corporation ( The Company ) and I settled in full on my auto loan balance. The company and I settled the {$2400.00} balance for {$1400.00} However, The Company continues to report as a Collection with delinquencies for the waived balance of {$980.00} and reports the balance as past due on my credit causing me to be denied for credit I applied for and receive higher interest rates for credit I received. I contacted The Company directly on XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX to verify the Settled in full account and request my credit be updated to no avail. The Company, however, continues to report to the Collection company and yet send letters to me that the account was settled in full on XX/XX/XXXX. I have also disputed the account with XXXX XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX and was told the incorrect information was verified and there were no corrections applied to my credit. I currently have 30,60 & 90 day lates as a Collection showing on my credit for a incorrect past due balance of {$980.00} well after the account was Settled in full and closed on XX/XX/XXXX. Late dates currently reporting are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Please see XXXX letter and credit report from XX/XX/XXXX attached.
07/02/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • VA
  • 23505
Web
I sold my truck after having XXXX put a new engine in my vehicle.A week later the engine light turned back on. This should have been my red flag to disassociate myself from the XXXX brand. With my XXXX issues, I decided to lease a vehicle to prevent maintenance issues and concentrate on my health. After a year of having the vehicle, XXXX mails me a statement requesting approx. {$900.00} which includes a monthly payment and two years of personal property taxes and they sent another statement from the City of XXXX stating I should pay this bill. Not only did they send me a bill but they also charged my account. As a result, I sent a payment to the City of XXXX only to have them return those funds. Once again, not feeling well I just wanted to satisfy the debt because I had never been late with car payments or tax payments. I had to pay personal property for the car I sold so why am I paying for the entire year of 2016 when I took possession of the vehicle in XXXX. Why isnt that prorated? Why is this company gathering all personal property taxes and sending it to me? I am financially drained ; hence why I leased a vehicle. This is my first and last time leasing a vehicle at least with XXXX. This has been a very stressful experience. Once this lease is over I will never step on a XXXX lot ever again.
02/25/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • TX
  • 79932
Web
I turned in my Infiniti XXXX on XX/XX/XXXX per lease agreement. On XX/XX/XXXX I received an " End of Lease Liability Statement '' with a {$390.00} disposition fee and another {$560.00} for property taxes. I called Infiniti Financial Services on XX/XX/XXXX regarding the property taxes and was told they would be sending me documentation that the taxes were paid to the States of Texas on our behalf. On XX/XX/XXXX I received a " Notice of Default. '' I send the payment of {$950.00} on XX/XX/XXXX without having received the documentation I requested. On XX/XX/XXXX I received another " End of Lease Liability Statement '' but the property tax amount was changed to {$760.00} and so it showed I still owed {$190.00}. Since this seemed like a scam, I once again contacted Infiniti Financial Services asking why the property tax amount changed. They could not give me an answer but once again said they would mail me documentation. Three days after this we began receiving calls from a collection agency. They have been calling at least twice a day since. They can not provide any information but just insist we owe {$190.00}. I think it was unprofessional and unnecessary to send this account to a collection agency to harass us AFTER ONLY 17 DAYS. This could be easily remedied by sending the documentation as promised!
01/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • NC
  • 28034
Web Servicemember
Back in XX/XX/XXXX I traded in my XXXX XXXX XXXX in which I was going to buy a XXXX XXXX. I was under the impression that I sold the vehicle to the dealership while waiting for my custom vehicle. The dealership provided me a loaner until my custom vehicle was completed. It took longer than expected which caused 2 late payments on my credit. The dealership in fact paid the payments off and sent 2 letters to XXXX XXXX XXXX letting them know it was their fault and excuse the late payments. I received a letter from XXXX asking for documentation. The XXXX dealership again sent them documentation of the transaction and also asked to pardon the late pays again. XXXX finance refused to remove the late payments after the dealership admitting FULL fault of the late payments. I am simply in need of them to remove the 2 late payments on my credit which is creating a hardship on my life. Im not able to obtain anything due to the late payments making my scores drop tremendously on all 3 credit bureaus. I have spoke to several representatives who thought that the credit bureau management team would have the decency to adjust my account. After weeks of begging them they still refused. This was my last resort in order to try to get my life back on track due to someone elses mistake that they took responsibility on.
02/08/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • CT
  • 06518
Web
I am a co-lesse for my wife 's car. The due date for this account is the XXXX of each month. We normally pay via website. On XX/XX/XXXX, my wife made a partial payment. On XX/XX/XXXX, we experienced a power outage due to severe weather. She attempted to make the rest of the payment and thought it went through via cellphone data. On XX/XX/XXXX, the payment was registered as 30 days late and reflected on my credit report. I was alerted via a credit monitoring agency. I contacted the creditor. They acknowledged that the payment was now posted on XX/XX/XXXX. We surmise that the remnant payment did not go through due to the WiFi failure during the storm on XX/XX/XXXX. They offered to restore it to " Current '' with the credit bureaus. As a precaution I also filed disputes. On XXXX, the dispute results came back " Current, was 30 days late ''. This registers as derogatory. On XXXX, I called the creditor and spoke with a supervisor. She said that their information is accurate and can not be removed. I asked to speak with manager or director. She said that her level is the last word. We've been longtime customers with a perfect payment history. There should be another review. Also they noted the full payment as late, even though part was paid on XX/XX/XXXX. Their information is not accurate as they claim.
07/01/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30458
Web
This is now the third complaint I have filed against NMAC. I mailed off an Affidavit of Truth, Debt Validation, and Cease and Desist Letter in NMAC had 30 days to respond. NMAC continues to dance around the facts that I have stated and I am disappointed in how the situation is being handled. NMAC continues to violate my rights as a consumer and continues to take advantage of me. NMAC is in violation of the Truth in Lending Act, Fair Debt Collections Practices Act and Fair Credit Reporting Act. In the previous complaint, NMAC provided the contract in which this consumer credit transaction was started. The contract showcases many violations that I have been stating before. The first violation in the contract is the seller-creditor section. I as the consumer am the original creditor, which is defined in 15 usc 1692a. Since I am the creditor, my name should be listed not XXXX XXXX of XXXX. XXXX XXXX of XXXX being listed is violation of the FDCPA 15 usc 1692j. Among the many other violations NMAC continue to avoid, in the contract they provided, there is a section for XXXX insurance stating if the creditor requires insurance it will be included in the finance charge. I am the original creditor, my insurance should have been included in the finance charge. Again, another violation of 15 usc 1605.
07/26/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • CT
  • 06106
Web
Nissan discriminated and refused to provide me the proper resources that would ensure my payment history was kept up to date during COVID while I was awaiting pending unemployment DOL Hearings. Nissan further denied me monthly relief assistance because of COVID. Nissan did not and would not offer temporary lower payment assistance during COVID. When requested assistance was offered Nissan only discriminated and put a payment at the end of the loan. While Nissan did in fact discriminate because other car loan companies as well as Nissan were reporting that lower payment options and monthly COVID waived payments were being offered. Yet I was denied these offered : Consequentially, Nissan contemptuously and maliciously knew the Nissan Finance Website was under repair and inoperable several times during COVID and especially in XX/XX/2021, such that I was denied the ability to make an online payment within the 30 day late payment window. Where as Nissan Finance retaliated and viciously reported my car payment late to XXXX Finance when they failed to provide online reporting options. Most during was the XXXX Representative who would answer my complaint call to Nissan when I requested the Corporate Office Numbers or Administrative Management to return my calls NO correspondences were received :
01/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 20744
Web
My vehicle was stolen in XXXX of XXXX. My insurance company settled the loan amount with Nissan Motor Acceptance/Infinity Finance and paid off my vehicle. Paid in full. A year later I received a bill from a collection agency stating that I owed over {$500.00}. I called them and inquired about the balance. I explained to them that my car was stolen a year ago and XXXX paid the debt in full. They stated to contact my insurance agency on perhaps an error. XXXX sent me proven documentation that it was paid in full. In XXXX I refinanced my house and the same debt still appeared on my credit report. I had to just pay the debt so I could move on. Three years later it still shows the same amount of debt even after paying it. I have written many letters to Nissan Motor Acceptance. I hired a credit repair to assist and they have written letters, I have made phone calls and even written all three credit bureaus. There response today is that they have NO record. However, they are still reporting a charge off on my credit report. This is very unfair as I have NEVER been late with any car payments. My insurance satisfied this debt. I still paid it to move on hoping it would fix my credit. Even though I did not owe this debt. Today they are still reporting something a balance they have no proof of.
06/23/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • AZ
  • 85739
Web
Please also refer to case # XXXX and XXXX. Problem has been ongoing since XX/XX/2018. I just received a letter from a collection agency for a debt with XXXX. I was neither notified by mail or email or from account online. This began because XXXX was negligent in picking up vehicle from dealer. XXXX forced me to sign false odometer statement ( stated wrong turn in date ) to repair my credit as they would not pickup vehicle and payments and charges kept accruing, along with there harassing phone calls, whenever you call them the first thing they say is " we are going to report you to the credit bureaus if you do not take care of this ". XXXX finally picked up vehicle 1 year and 3 months later!. This is the 3rd time that XXXX has affected my credit report by reporting these bogus charges.I do agree with the end of lease charge but not the other 2 charges. If they are claiming there is XXXX miles on vehicle and then charging me for 2 tires that are only warranted for XXXX miles how nice that is for them to resell vehicle with 2 new tires at my expense, this is normal wear and tear or they should have been disposed of at the end of XXXX mile tire warranty. Again, where was this vehicle for over 1 year and 3 months to accumulate this mileage. Again XXXX negligent for not picking up vehicle.
09/13/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • TX
  • 78648
Web
I contacted XXXX XXXX XXXX on XXXX/XXXX/XXXX, regarding the purchase Contract signed XXXX/XXXX/XXXX. After seeing the term of the loan in my online account ( 75 mos ), I was confused because my Husband and I both were always under the impression that the term of the loan was 60 mos, and not 75. We have purchased many vehicles, and always pay attention to the terms of our loans. The Salesman, at the time of purchase, presented us with a deal that reflected a 60 month term. Upon entering the finance department, we were under the impression we were getting the same deal, and signed the loan documents electronically. Myself, nor my Husband recall ever being told the term was 75 mos. We would have never agreed to that duration. I just recently came across this information online, thus the questioning 3 + years after purchasing. I have a signed Sales Contract, which includes a Truth in Lending, but the Truth in Lending was not signed as a separate disclosure. The Finance Manager at XXXX XXXX XXXX told us we signed the documents, and it would have been explained to us at the time of purchase. He is right, we did sign the Contract, and the terms SHOULD have been made clear to us, but they were not. I feel like we were baited and switched with the terms of our loan, without our realizing it.
10/14/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • FL
  • 32129
Web Older American
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
02/16/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11727
Web
XXXX19 XXXX XXXX XXXX XXXX XXXX ( XXXX ) left a message regarding a debt that my brother and his girlfriend have. I am not a cosigner nor have anything to do with the loan. I don't know how they obtained my house number, the number is not even under my name nor is it connected to my brother in any way. I called and asked them to take my number out of the system and not to call again, a representative ( did not get his name, was a Male with a heavy XXXX accent ) assured me my number would be taken off. XXXX19 XXXX I get home and there is another message from XXXX XXXX I called again and explained this issue to Ms. XXXX, whose response was " mam, can you calm down? '' Mind you I wasn't yelling or anything, I was just frustrated that this company XXXX their way into my house phone number and are taking liberties they shouldn't be taking. Instead of an apology or acceptance of their wrong doing, I got an attitude. Now, I don't know much about debt collection practices but I don't think that the company can XXXX their way into contact information of family members of their clients and contact them regarding a debt they have nothing to do with it. Also, by calling and leaving messages about debt collection they are dispersing information about overdue payments regarding their clients.
07/01/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 10603
Web
My lease was about to be up, so I went in to obtain a new car. I spoke with representatives, came to an agreement, then on the day I was supposed to come in and pickup the new car, I received a phone call that they werent going to honor the deal that was reached. I went in and spoke with the manager who at first was not going to honor the deal, but once he realized it was the representatives error and not mine, they honored it. Or so I thought. I went in finally a week later to get the car and of course the lease terms had changed. They were only going to honor the price, not the mileage that was agreed to, but a this point, my lease was due to be up, so I didnt have a choice but to take a lower mileage lease or be stuck with no car and rushing to find transportation. After all this, my problems were just beginning. They took my lease turn in and then threw an $ 1800+ balance on my credit report. After finally getting that taken care of after weeks of going back and forth, theyre still reporting a $ 480+ balance. This is all after I disputed multiple times because they continuously marked my payments late because of a late fee that they added, even though my payments were on time. I want the late payments removed from my credit report and I want this false $ 480+ balance removed.
01/31/2017 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • DE
  • 19713
Web
This is my second time filing with the CFPB. Nissan was supposed to pay off a residual balance when I purchased my new car. They did not pay it off as promised and I received a bill for over 2k. After being threatened by their management staff to call the police and have me arrested for asking them to pay off the bill ( as they promised ) I contacted the CFPB. They then back peddled and stated they would have this bill taken care of. I am not receiving collection calls about this bill, because they have yet to pay it off completely. I settle on a mortgage in 1 week and now this account is placed in collections. I am contacting an attorney and looking for some sort of compensation on this matter. Hours on the phone, credit being affected, threatened my father and myself of being arrested after questioning their management staff and now possibly affecting my upcoming settlement on my new house. This is not the first time Nissan has messed up. A year ago they applied my auto-debit payments to a car that I no longer owned and reported me delinquent to the XXXX. Nissan allowed someone to purchase my old car that I turned it and they broke traffic laws and I received the bill and had to prove it was not me. This is a joke, they are supposed to be a professional reputable company.
05/24/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account information incorrect
  • MA
  • 02131
Web
I set up a payment plan with Nissan Motor Corporation back in 2017 after they repossessed my vehicle, after a payment was made on my account. I contacted Consumer Affairs and Licensing, through XXXX XXXX XXXX. I worked with a young lady by the name of XXXX XXXX. On XX/XX/2017, the Mayors Office of Consumers Affairs and Licensing, received a letter from a XXXX XXXX XXXX, Senior Counsel, on behalf of Nissan Motor Acceptance Corp. stating in order to recover the vehicle I would have to pay {$2700.00}, which I did on XX/XX/2017. I never received the vehicle back in my possession. I ended up filing a small claims judgement against Nissan Motor Acceptance Corp., in XXXX District Court. I was then contacted by an attorney they hired out of XXXX Ma. from The XXXX XXXX XXXX by the name of XXXX XXXX XXXX. We entered in to a stipulation of dismissal on XXXX XXXX and a confidential general release settlement and indemnification agreement which was to release the vehicle back into my possession and to take all negative items off my credit report. None of this was done. They took my money and kept the vehicle and they committed fraud against me. I have bad credit as a result of this transaction. I need help getting these negative items off my report as they have five of them on there.
11/17/2020 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 20850
Web
Dear Consumer Financial Protection Bureau, Nissan Motor Acceptance Corporation ( NMAC ) stated in their response to my complaint CFPB file # XXXX that NMAC has no record of receiving any payment for {$410.00} in XX/XX/2020 and that the account is being reported accurately as charged off with # XXXX they also said that they have no affiliation with the credit reporting agencies and does not determine the information each credit bureau select to report and requested that i contact XXXX directly to dispute the fraudulent credit reporting. Well i have disputed directly the fraudulent credit reporting with XXXX. XXXX responded and told me that they do not report anything on the consumer 's file without the data furnisher requesting them to do so. NMAC is the data furnisher in this case. So according to XXXX NMAC has reported a payment of {$410.00} on the account in XX/XX/2020 and a payment of {$410.00} on XX/XX/2020. Please note that i am not complaining about the status of this account but it is unlawful for NMAC to report false information on my credit report and deny it. i have sent a certified mail with return to NMAC disputing these fraudulent charges which has been delivered but i haven't heard back from them. i have attached copies to this complaint for review.
05/14/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • FL
  • 33463
Web
on XX/XX/2018 we visited the XXXX dealer in XXXX and we were sold a XXXX XXXX XX/XX/2018 the price negotiated was {$27000.00} dollars out the door total, when it was time for the financing the finance manager scammed us and sold us the car for over {$37000.00} a car not worth more then $ XXXX dollars market price as it was listed on the sticker price of it, and the finance manager did not disclosed any of that to us and explained in details what he was doing, instead he kept with his pressure and selling us a 1.9 % rate when he basically defrauded us out of {$10000.00} dollars and took advantage of us as we did not know what we were been scammed, until we gave the paper work to our brother in law who saw all the fraud and went with us to the dealer and confronted the sales manager and crooked finance agent, we rescinded the agreement for legal cause fraud and bad faith high pressure sales tactics and left the car and keys at the dealer, they have continued calling every one and harassing us and other family members despite us telling them that were not going to allow them to defraud us. these sales man at the dealer are a bunch of suit up crooked unethical white collar criminals defrauding citizens with the conspiracy of the nissan motor acceptance corporation.
04/28/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • CA
  • 94112
Web
This is not a problem with the vehicle - which was fine. This is purely a problem with XXXX XXXX XXXX billing me for additional lease payments after I have completed all my payments. XXXX XXXX even sent me a notice that I am " past due '' on a lease payment. This is affecting my credit rating, and it is harassment to be hounded for payments that I do not owe. I leased an XXXX XXXX for three years. The lease ( account ending XXXX ) ended XX/XX/2019. I returned the car on XX/XX/2019. During the three-years, I never missed a payment or was late on a payment. XXXX emailed me on XX/XX/2019, to confirm that I had completed my final payment due. But now XXXX XXXX persists in making statements that I still owe monthly payments on the lease. On XX/XX/2019, XXXX claimed in an email that I was past due. I repeatedly asked XXXX to stop publishing false and libelous statements claiming that I am defaulting on payments. I have an excellent credit rating and am concerned that XXXX false claims will impact me financially. I sent emails to XXXX on XX/XX/XXXX and XX/XX/XXXX, explaining its error. I engaged XXXX in an online chat. But XXXX refuses to acknowledge the error, and it refuses to stop the false statements about me. It appears that XXXX will not reasonably respond.
11/28/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • AZ
  • 85254
Web Servicemember
Complaint : Transparency and being misled for profit. At the end XX/XX/XXXX I went to finalize my lease with XXXX of XXXX. This is my 2nd auto purchased from them in 2 months so I figured they would have all the numbers that we spoke about be the way they were supposed to be in finance. I told them {$500.00} down max and everything else rolled into to lease. This was told to them multiple times to make sure they were on the same page.XXXX the finance mgr came out and said we got everything handled. He never mentioned anything about extra cost out of pocket. When I got into finance with XXXX she informed me that I had to pay an extra XXXX out of pocket. I told her I was never told this and she said pay the XXXX today and I will roll the extra amount which is {$790.00} to the back of the loan. I was annoyed but said ok. Long story short I set up auto pay and as usual trusted that since she did n't tell me about anymore charges I could just sign and go. I XXXX signed the rest of the docs which is how I did my last purchase with them with no surprises. They had placed a promise to pay note for XXXX for XX/XX/XXXX without ever running it by me first. I was not informed and I would n't not have leased the vehicle if I did know. You ca n't by misleading to customers
04/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • TX
  • 78070
Web Older American
XX/XX/XXXX paid statement and notified NMAC ( Nissan Motor Acceptance Corp ) of my change of address. I had contracted for a PO Box while my new house was being built. In all of the mayhem of moving and setting up a temporary home, I didn't realize until 11/30/2020 that I had not received billing from XXXX. I called and spoke with XXXX on XX/XX/XXXX for 11 min. 11 secs. XXXX revealed to me the the address was inputted incorrectly. Statements were being sent to me at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Not the address I listed - XXXX XXXX XXXX XXXX XXXX TX XXXX. I immediately scheduled a " pay by phone '' pay off of the entire note. I was told messages had been left on my business phone. A blatant lie. I, like a lot of people was working from home. All phone messages are immediately emailed to me for review and responses. I checked my phone at the office and there was no record of NMAC contacting me. I suggested to XXXX that this should not impact my credit because of a clerical mistake at their XXXX payment processing center. I have formally requested a review of this through the NMAC Credit Bureau Management protocol. It was after my second letter that I received a response that all reporting was accurate. To date, I have not received a clear title.
01/23/2017 Yes
  • Consumer Loan
  • Vehicle lease
  • Taking out the loan or lease
  • NY
  • 11223
Web
I returned my car on XX/XX/2016 to a Nissan dealership. The early lease termination written quote was for {$1400.00}. I was also informed by their representative that I have a 10 day grace period. Given that I was unable to find a dealership that would take my car before the XX/XX/2016 I was forced to keep it for another 2 days. Up on my return I was informed that it would take about 3 days for the return to register in their system. On XXXX/XXXX/2016 I mailed them a check in the requested amount of {$1400.00}. Based on the document that Nissan provided me, that amount satisfies my obligation to them. XX/XX/XXXX I received a call from Nissan. They stated that I owe them an additional {$350.00} for XX/XX/XXXX, even though they also received a payment of {$360.00} that covers my possession of the vehicle till XX/XX/XXXX and I no longer had possession of the car after XX/XX/XXXX. Since my maturity date was on the XXXX of every month and I was forced to keep the car longer, I do n't feel that I should pay the sum of {$350.00} or any other fees for XX/XX/XXXX. Given that my lease payment is {$360.00} a month, the sum of {$350.00} makes no sense to me. After numerous attempts of speaking with Nissan no one was able to explain to me what the {$350.00} is for.
10/09/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • SC
  • 29575
Web
Hi, I have tried repeatedly for over a year to get the title or something stating there is a lien that I can take to the SCDMV and get the license plates so that I can get my South Carolina tags. I personally thought I paid this off in XXXX, at the time I had lost my mother and while taking care of her estate had the mail forwarded to my brothers. So never really thought about it until the tag issue, paid my registration online and carried liability insurance. I never received any phone calls about this or notices. When I called North Carolina DMV to get a copy of the title, they told me there is a lien holder Nissan Motor Acceptance Corp since XXXX but when I call Nissan they tell me they sold the loan to XXXX XXXX and will not even discuss the issue just transfer me to XXXX. I get the run around every time with this recovery company. The excuses are my manager is on another call or break and have held on the line for a minimum of 30 minutes each time. This again, happened today so I have no other option than to file this complaint. If they sold the loan to XXXX XXXX, why does NCDMV have the lienholder as Nissan Motor Acceptance Corp? I would like a resolution if you could help me with this please it would be greatly appreciated. Thank you
12/18/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • High-pressure sales tactics
  • MS
  • 39437
Web
Date : XX/XX/18 Amounts : Old Vehicle - {$46000.00} Actions by me : Requesting pay-off with management at location due to the sales tactics that were used. Events : I went to XXXX XXXX XXXX looking to trade in my XXXX XXXX to go with something a little more economical. I was informed that there was no option to trade due to balance on truck, ( this was after they took my keys and processed an appraisal. ) I told them no problem and that I would want to keep my truck and continue to pay for it. However, I had test drove a vehicle and they started processing numbers and told me to wait and that I needed to voluntarily surrender my truck to the bank I originally got the loan from, in this situation I asked for my keys and they were not given to me. They had the sales representative follow me to the bank down the road to ensure I gave the truck to them, then had me go back to the dealership and sign for paperwork on the vehicle I test drove. Now I have to suffer on my credit for a vehicle that is not delinquent, due to their XXXX sales tactics. I was intimidated and was forced to do this. I was informed by both the salesman and the Finance Manager that I had no other option and that I was lucky they were looking out for me. This is not the case.
05/24/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70586
Web
I entered into a consumer credit transaction using my credit card as defined in 15 usc 1602 ( l ) with Nissan Motor Acceptance Corporation in which a finance charge was involved on the date of XX/XX/XXXX. The Credit cards that were used, were my Drivers license and Social security card. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The Finance charge is supposed to include insurance and Nissan Motor Acceptance Corporation made me purchase insurance separately. Nissan Motor Acceptance Corporation disclosed that it was a Truth in Lending Lender in the contract and failed to disclose to me and give me forms of my right to rescind pursuant to 15 usc 1635. On XX/XX/XXXX I noticed that my rights were being violated and sent through U.S postal Service Certified Mail Receipt an Affidavit of Truth that was notarized which was never rebutted, cease and desist and requested Validation of Debt in which I was given no reply or any documentation that I the consumer owe such alleged debt. Nissan Motor Acceptance Corporation sent an invoice on XX/XX/XXXX saying that I owe {$830.00} or they were going to do one or more of the following options if i did not pay on such alleged debt that has not been validated.
04/24/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • FL
  • 33760
Web
Hello, Inadvertently this complaint ( XXXX ) was closed. Nissan sent a reply but that reply is inaccurrate & they lied in that letter. They have made this look like I was at fault. Consumer protection is in place for harrassing calls which I received over XXXX per day for over 14 days. A Nissan representative even told me I was placed on autotomatic dialer which I never game permission for this. My statement to be placed on the do not call list was way after their harrassing attemps. My loan was XXXX XXXX XXXX but in XXXX XXXX I requested a payment date change to the XXXX each month. I have paid my loan consistently with also receiving XXXX extensions but paid my loan each time NEVER LATE. In XXXX XXXX I split my payment & STILL PAID within 30 days ... never late. I clearly explained I would be paying my loan for the next couple of months past the XXXX but never later than 30 days. I was told that was XXXX & I would receive " A '' call as a reminder. But I received XXXX calls plus per day for XXXX plus days. THIS IS HARRASSMENT. Nissan broke the law and consumer protection. I WILL HIRE an ATTORNEY to sue Nissan if they do not apply the XXXX per call as settlement. Thank you.
01/18/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • KY
  • 40243
Web
The Bureau of Consumer Financial Protection ( Bureau ) has reviewed repossession and servicing activities by Nissan Motor Acceptance Corporation ( Respondent, as defined below ) and has identified the following law violations : ( 1 ) Respondent wrongfully repossessed some vehicles despite having agreements in place with consumers to prevent repossession ; ( 2 ) Respondent, through repossession agents, kept personal property that was located in consumers vehicles at the time of repossession and would not return that personal property until consumers paid a fee for its storage ; ( 3 ) Respondent, through its service provider, deprived consumers making auto-loan payments by phone of the ability to select a payment option with a significantly lower fee than the one they were XXXX Document 1 Filed XX/XX/XXXX Page 2 of 40 charged ; and ( 4 ) Respondent made a deceptive statement in its agreements to extend consumers auto loans that appeared to limit consumers bankruptcy protections. These actions violated the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531, 5536. Under Sections 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565, the Bureau issues this Consent Order ( Consent Order ).
01/21/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • KY
  • 42431
Web
During XXXX of 2017, my wife scheduled but failed to hit submit on our auto payment with XXXX XXXX XXXX XXXX Payment was due on XX/XX/17. On or about XX/XX/17, I discovered this oversight and immediately logged on to XXXX 's website and scheduled a payment for the full amount plus late fee. The payment was not posted until XXXX making the XXXX payment 31 days late. I have full records showing all transactions and can show never missing a payment with them and in fact have since closed the account. I have seen on their website where they state that they will show a payment on the day that it is scheduled not on the date that it is posted. Had they shown this date as XX/XX/17 this payment would have been 28 days late instead of 31 days late. I am disputing them showing a late payment on my credit report since this payment by their definition XXXX scheduling date vs. posting date ) is not 30 days late. I have full documentation except for the statement from their website. I am unable to show this at this time since the account has been closed. I have disputed this with them on XXXX separate occasions with no results other than " they are required by law '' to report this late payment. Your help would be greatly appreciated. Thanks.
12/06/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • TX
  • 76018
Web
After several different loans over several years, I am over the 15 day grace period on a payment for XX/XX/XXXX due to the holidays ( after 14+ months of solid payment history ). After this grace period, I started getting between 4-7 robo calls from the XXXX XXXX XXXX, every day, leaving no messages. When I do answer, no one is on the other line, only a message stating 'No one is available to take your call, please hold ' and then I am on hold for 5-10 minutes. I have asked to be removed from this automatic dialer, but was told without a promise to pay, even with my good payment history, I would have to endure the automatic dialer calls. I finally was able to pay, but am still receiving calls. I missed one payment out of a great payment history, and am made to feel like I 'm a second class citizen. I feel this is unnecessary and harassing. I am very dissatisfied and this has made me rethink getting another XXXX. I am attaching screenshots my phone allowed me to take of the calls as proof of the repeated calling. I am also uploading my payment history showing I do in fact pay within the 15 day window required to be considered in the grace period of on time ( as paychecks allow, sometimes it 's earlier than the XXXX, sometimes after ).
01/26/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • AZ
  • 85037
Web
On Thursday XX/XX/XXXX I scheduled a payment on the XXXX XXXX, I received a notification that the payment was in process and received my email with confirmation that the payment was scheduled. It was not until XX/XX/XXXX that I went back to check on the app because the funds had not been deducted from my account that I realized there was no payments scheduled, I rescheduled my payment that day and received a confirmation email again but this time my confirmation email did n't come to me until XX/XX/XXXX. ( I have attached both emails received from XX/XX/XXXX and XX/XX/XXXX). The next day XX/XX/XXXX I received a notification from XXXX that my credit score had decreased XXXX points because they reported my payment 30 days late. I called to XXXX customer service number ( XXXX ) and spoke to 2 supervisors, the one that assisted me his name was XXXX he did not disclose his last name so I am not sure what that is. He researched and said that it was possibly a ghost payment? and that they could n't do anything about it. I have included screen shots from when I scheduled that payment and the confirmation emails I received. My payment is due on the XXXX of each month so this payment had been due XX/XX/XXXX the 30 days had not been met yet.
07/28/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • FL
  • 33023
Web
This is my second complaint. The previous one was completed by my loan officer, XXXX XXXX. I purchased a car through Nissan Motors in XXXX of XXXX. I am the only borrower and I bought the car for my wife. She is now my ex wife and I was unaware that she was not making payments. She was behind for three months. Nissan never called me or notified me that the payments were late. XXXX XXXX gave me a pre-approval letter and I am under contract to purchase a home. When I received my credit report, I noticed my ex-wife did not make 3 payments. In order for me to continue with this contract, I made a payment and my ex-wife also made a payment on XX/XX/XXXX and brought the account current. I requested a letter from Nissan so that I can re-score my credit report. Nissan refused and said that they can not provide a letter stating that the car loan is now current until 21 days have passed from the payment I made on XX/XX/XXXX. Nissan 's reason is that I may possibly withdraw the payment already made. This is ridiculous and is causing me a real financial harm to me because my escrow deposit is at risk because I can not be submitted for a mortgage with the Nissan tradeline reporting as late when it has been current for the past sixteen days.
04/14/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CO
  • 80212
Web
I paid off my loan as part of a refinance. IFS then erroneously debited my account for a regular payment even after the loan was paid off. I have called in 5 times to get this resolved and each rep has left me with lies and cons to get me to call back a later time. First person told me that I would get that automatically refunded. Several weeks later and no refund. Second person said that I needed to call my bank where the money was debited from, of Course that was a lie as I called my bank and they told me and provided evidence that the money fully cleared and was with IFS. Third person I called told me to send an email to their customer support email and then call back 1 business day after that. Fourth person told me that no such email exists, making it sound like that was just a coy to get me off the phone. Fifth person acknowledged that the account was overpaid but gave me a similar answer that the system was just going to refund me but it has been a month now and no evidence or sign that a refund is coming. XXXX I paid off my loan with IFS as part of loan refinance. XXXX IFS debited my account for a regular payment -I am still without resolution as to how or when I will be refunded this money having called 5 times.
04/23/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • CA
  • 91914
Web
After paying all my XXXX lease payments on time to Infiniti Financial Services I returned the car to the dealer. Later, I received a final bill of {$3300.00}. I do not dispute the final bill and just before its due date I mailed them {$1100.00}. I called their XXXX number to inform them that I was going to pay this bill in XXXX equal payment. No body answered the phone. So I wrote a note and included that with my payment. They sent me another bill for the balance. Again I tried to call them but no one answered the phone. Shortly after that I received phone call from a company named " XXXX XXXX XXXX '' claiming they have my account for collection. I explained to them that the account is current and Infiniti had a responsibility to inform me if they wanted me to pay someone else for the balance due. I told them that I do not know who they are and refuse to send them any money because this may simply be another scam. I asked them to inform Infiniti that they must inform me in writing new payment address and company. So far I have not heard anything from Infiniti but the collection company, XXXX, keeps calling me with intimidating messages. I do not know who they are and why a current account was referred to a collection agency.
03/22/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • WI
  • 53188
Web Older American
Vehicle is a XXXX XXXX XXXX leased through XXXX XXXX. Vehicle was turned in XX/XX/XXXX ... yes XXXX at XXXX XXXX of Arizona, ( XXXX XXXX Manager XXXX ) Payment was sent to Nissan plus I paid the final {$260.00} per Nissan to complete all payments due for lease through XX/XX/XXXX. XXXX repeatedly called Nissan to pick up vehicle, sent them the odometer statement with no response from Nissan and til this day XX/XX/XXXX, over a year later the vehicle still has not been picked up by Nissan. XXXX did say that Nissan is guilty of this practice every time they take in a XXXX or Nissan because they do not want to pay to pick up vehicle. I repeatedly have spoken to both parties. Around XX/XX/XXXX Nissan called me to ask weather I was turning in the vehicle or wanted to purchase, this is nuts when the vehicle was turned in on XX/XX/XXXX. They have continued to keep account open and I have accumulated 2 payments overdue and I have a spotless credit report. I also spoke to XXXX XXXX at Nissan ( XXXX ) the last time being XX/XX/XXXX and also by email that day and he is well aware the vehicle was turned in in XXXX of XXXX. Would also like to know what XXXX has been doing with vehicle after over a year, did they use it for all this time?
11/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • TX
  • 76134
Web
I was a cosigner on a new XXXX XXXX XXXX that was traded in earlier this year. From my understanding the XXXX was being traded in during the month of XX/XX/XXXX or XX/XX/XXXX. The information i gathered from the actual borrower was XXXX had the car and took longer to send in the payoff for the car than normal and Nissan reported the car as a late payment on the credit reports, which dropped our credit scores. Now being the co-signer I was never made aware of the late payment issue or missed payments, as there had never been an issue the 3 years the car was in the owners possession. I just so happened to get an alert saying my credit score dropped due to late payment, but the car was already traded in when it hit. I have contacted Nissan financial multiple times to be blown off and then told they don't have to inform the cosigner that a payment is late, but they are responsible for keeping up with the payments even if the car is traded in. I have tried to get them to remove this negative late payment from my credit report as I had no knowledge of the situation, but was told Nissan doesn't remove their remarks. The car was paid off a day after I seen my credit score drop and I just want this removed from my credit report.
06/09/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • DC
  • 20016
Web
When I moved to XXXX ( from XXXX ) i n XXXX XXXX , Infiniti Financial Serv ices ( IFS ) began charging me a 10 % XXXX sales tax on my monthly bill. A fter researching XXXX tax code, I do not see any code that indicates a sales tax is required for vehicles originally registered in another state before establishing residency in XXXX . Since XX/XX/XXXX , I 've made several inquiries to IFS via phone and in writing but they have not provided any details to support this 10 % XXXX sales tax. I also contacted the XXXX Office of Tax Revenue and was informed that sales of motor vehicles and trailers are not subject to sales and use tax but only to excise tax of 6 % in XXXX . Even XXXX states that the sales and use tax does not apply to the sale of motor vehicles. The 10 % rate in XXXX applies to rentals of motor vehicles and utility trailers, except those registered for commercial purposes. Only rental or leasing of rental vehicles and ut ility trailers is taxable. I did n't purchase/lease this car in XXXX nor is my lease classified as a rental vehicle.

I believe IFS is erroneously charging me ( along with many other lease customers ) and refuses to correct their mistake. Please help!

08/29/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Termination fees or other problem when ending the lease early
  • CA
  • 90731
Web
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!
07/03/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92404
Web
On XX/XX/XXXX, Nissan Motor Acceptance Corporation falsely reported my account as 30-days late, in-fact ; the account was paid in full for {$430.00} on XX/XX/XXXX, which can be seen in the screenshot I submitted, which is from my Nissan account. This report was made to the credit bureau, which dropped my credit score by 13-points. For the payment of XXXX, they also charged a late fee of {$43.00}. On XX/XX/XXXX, I paid for the month of XXXX and paid the late fee, and the account is still reported as behind. A month or two ago, Nissan had my account listed as past due, and when I called them, a representative told me that everything was fine. During that period, Nissan was calling my phone constantly, and filling up my voice mail. I called to see if anything was wrong, Nissan said it was fine. This was probably in XXXX or XXXX. It should be noted that two payments were moved to the end of the loan, which is the month of XXXX and XXXX ; other than that, all payments have been made. Nissan knows my account is current, but they still harassed me with calls, made a lie about my account status to the credit bureau, and charged me a {$43.00} late fee when my account is actually current, and I paid this month 's bill early.
09/01/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48302
Web Older American
I have had a lease for an XXXX vehicle since XX/XX/XXXX, replaced with a new vehicle early this year. My account has been on automatic payment since I initially signed up in XX/XX/XXXX. For my newest vehicle, the first month 's payment was to be included beginning with the day that I signed the lease ( XX/XX/XXXX ). I did not receive the first statement or even my account number until approximately XX/XX/XXXX which is when the next payment was debited from my account. For whatever reason, Infiniti Financial Services ( Nissan ) may not have timely processed my automatic payments. Nevertheless, I called Infiniti today and they verified that they are not reporting any 30 day past due payments ; however, despite that fact, my lessor has taken it upon itself to disparage me and published a derogatory 30-day past due payment to the credit reporting agencies in the past year. I spoke to two people over a thirty minute period today, neither of whom could figure out why the alleged past due payment is reporting. Furthermore I do not consent to the disclosure of my account information to any third parties for any reason whether positive or negative. This has been in writing with Infiniti 's dealer/agent since I signed my lease.
07/05/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • IN
  • 47136
Web
I am writing to dispute the following information that Infiniti Financial Services provided to XXXX. This 30-day late payment is inaccurate because I was setup on automatic payment draft and my payment should have been drafted. Furthermore, I spoke with an associate at Infiniti on XX/XX/19 when I noticed that the website was showing me past due. This associate spoke with me on a recorded line and confirmed more than once that I would not be considered 30 days late because I called and made both payments for XX/XX/XXXX and XX/XX/XXXX on the 30th day. I am requesting that Infiniti Financial Services pull this recording for verification and have the 30 day late removed from my credit report to correct the information. I have always paid on time with them and I have excellent credit. After I heard back from Infiniti Financial Services that they were not going to remove the late mark on my credit. I sent a certified letter on XX/XX/2019 requesting that they re-review. I sent it to this address : Infiniti Financial Services Attn : XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Texas, XXXX, but have not heard back and my credit score dropped significantly due to this 30 day late mark. Over 40 points.
03/13/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • NC
  • 27614
Web Servicemember
On XX/XX/XXXX I received a phone called from consumers husband stating that consumer vehicle was missing. XXXX was then called because there was no reason for the SUV to be missing. The operator said that XXXX XXXX had consumers XXXX XXXX XXXX. Consumer calls XXXX XXXX and they proceed to say that the suv has a repo out for it from Nissan Acceptance Corporation. They then proceed to tell consumer that consumer needed to make an appt to get consumer personal item out of the SUV after they take everything out of the vehicle to assess the condition of the vehicle, XXXX XXXX is hoarding consumers belongs, and unlawfully came and toke consumers vehicle. Also after speaking with Nissan ( XXXX ) she told consumer that XXXX XXXX was not to go inside consumers vehicle without consumer being present. Nissan also stated that they did not give XXXX XXXX authorization to repo consumer vehicle, that they provided consumer information to a national data company, which is against the law, because Nissan did not get consumers consent to give a third party the consumers personal information. Consumer never received the statutory proper notices by mail per the North Carolina law stating they were about to repo consumers vehicle.
09/20/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30319
Web
Infiniti Financial did not take out the final auto-draft, after taking 59 other payments which I paid on-time each month. When I contacted them about it, I spoke with a manager who confirmed the system had an issue and said he would fix it but it is their policy to STOP TAKING AUTO-DRAFTS ON THE FINAL MONTH. They waived late fees and interest, I paid off the loan and thought it was closed despite this deceptive business practice. This line on equifax report now says " not more than two payments past due '' which has dropped my credit score by more than 70 points. I requested they correct it to " pays as agreed '', but they said there is nothing they can do, the request was rejected. I have an open dispute with equifax, but I also think Infiniti is acting in bad faith, possibly impacting others intentionally at the end of their loan terms in order to intentionally collect late fees and over due interest. Making it standard business practice to stop auto-drafting in the last month, after doing it for 5 years, does not pass the " reasonable standard '' in that it creates a negative mark when customers are more likely to be looking for another loan, therefore inflating possible APR for the next automobile purchse.
05/14/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • CA
  • 92126
Web
I walked into XXXX XXXXXXXX in XXXX XXXX today to perform a simple lease buyout of my 2018 XXXX XXXX that I leased in XXXX of 2018. The woman I dealt with XXXX was extremely helpful, knowledgeable and nice. After she had taken my information and I had informed her I was paying cash for the buyout XXXX XXXX walked over and insisted he had to run my credit in order to accept cash for the vehicle, which I refused. I have worked in XXXX for 17 years and I have never heard of a company having to run my credit to accept a cash transaction. This is even more ridiculous because the lease is through XXXX, so it's financed through their finance department. I refused the inquiry as I am in the process of purchasing a home and do not need additional hard inquiries on my credit report for no reason. The argument became heated and he remarked, " We can either run the credit or you can't buy the car, and I'm not wasting my time on a transaction I don't make any money on ''. So I refused and left. XXXX XXXX after arriving home I received a notification through XXXX that XXXX XXXX via XXXX had made not ONE but TWO hard inquiries into my credit. I did NOT give him permission to do so, and explicitly refused a credit inquiry.
05/29/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Credit denial
  • FL
  • 34990
Web
On XX/XX/2019 my husband and I selected and began the lease process for a XXXX XXXXXXXX from XXXX XXXX XXXX XXXX XXXX XXXX. We were told the lease had been approved, the dealership changed our auto insurance over to the new car, removed all of our property from the vehicle, removed toll stickers etc. I was told they had to simply verify my social security number and then the salesman would come over to put on new tags etc. We were told it was approved many times before and while we removed our belongings. Two days later we received calls that told us they were unable to approve the lease. My husband is devastated! We told our family and friends about the new vehicle. showed pictures etc as we were promised and guaranteed it was approved. We were told by the dealership that it was based on Infiniti Financial services decision and there was nothing they could do about it. We now have to return the car to them and take back our old car, change insurance over, get new toll stickers and security bar codes etc. This is unfair, we have no explanation other than they could not verify my social security number which is ridiculous. It is very easy to verify this and I offered to bring any and all information.
04/06/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • NY
  • 10710
Web
In XX/XX/2018, I ran into some financial trouble and was threatened with repossession from Nissan motor acceptance corporation ( 2 months from loan maturity ). I made a XXXX payment and had less then 60 days in my amortization schedule and owed less than XXXX dollars on the total lease agreement. If you look at my credit report, my car was repossessed at only 30 days delinquency on the day before Thanksgiving XXXX XX/XX/18 with a minimal balance that I could of paid off if needed. When I called Nissan they said given how close I was to loan maturity I would not be given an opportunity to re instate my lease agreement. Please also keep in mind that the company took my car with numerous valuables to a random lot and I had to meet the person a person to meet him. There were also items missing. I then get a notice 12 months later that I owe a charged off account XXXX dollars, please keep in mind i paid 99 % of the payments on this lease agreement. I did not receive an itemized bill, all it said was " repossession expenses '' " miscellaneous damage ''. i have been trying to challenge this through the credit bureaus from some years now that my finances are healthy and i want this removed from my credit report.
05/21/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • CA
  • 92234
Web
I purchase my car on XX/XX/2014 and was paying thought my bank the amount of {$390.00} monthly for the past 67 month never missed any payment then when the pandemic hit our economy I lost my job I called some creditor such as my wife car payment and my house mortgage to get an extension or 3 month till I get back to work I call Nissan for my van they claim to give me 2 month I thought it was 3 month and that was the beginning or XXXX the I got this phone call about to collect dept was told that I have accumulated {$580.00} of late charge that I never know about till this moment plus my current monthly payment that's {$970.00} and 2 month additional to my loan added for the missing 2 month payment i was shock I called Nissan I mentioned the I never received statement shows me the due date. otherwise I will schedule for the write date that will not make any different to me I mention that I was not ware the due date on the XXXX I thought since I bought the car its on the XXXX that's why always comes out on that day.I have never receive call or notice that I was paying late. and now with the last of my job its too hard financially for me barley make it. I am hoping to get this issue resolveIi will appropriated
06/06/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • CA
  • 90503
Web Servicemember
On XX/XX/XXXX, we returned the XXXX to XXXX XXXX XXXX XXXX ( XXXX ) ( dealer ) which we were leasing and in exchange for a new lease on a XXXX. We decided to seal the deal based on the dealer 's offer to terminate the lease on the XXXX without having to pay the remaining lease for 3 months. Hence, we were required to make only the {$1000.00} down payment for the XXXX. On XXXX XXXX, we got a call from Infiniti Financial Services ( IFS ) claiming that we still owe money on the XXXX. On XXXX XXXX, I talked to XXXX XXXX of the dealership saying she talked to XXXX of IFS who resolved the matter so there wo n't be anymore calleXXXX from IFS. However in XX/XX/XXXX and other letters I was getting End of Lease Liability Statement showing we owe the 3 months lease payment. I talked to XXXX of IFS and then to XXXX of XXXX and then XXXX of XXXX who have all assured me that the matter will be resolved. In XXXX, I emailed XXXX to help me with the agonizing predicament and XXXX XXXX XXXX, the General Manager said he would make sure that I get the assistance that I need. Then to my surprise, I got a collection letter from XXXX XXXX XXXX. Please help me. I feel being harrassed for something I do not owe. Thank you.
01/20/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27215
Web
In XX/XX/XXXX I went to a car dealership that I'm loyal customer with and have bought several vehicles over the years. This time I had a considerable amount of negative equity on the vehicle that I wanted to tread in, and I don't thought was possible to buy a new car without covering the balance. The salesman tell me that I had the option to leave my vehicle at the dealership and that will get repossessed by the bank. He said that the only give this option to loyal customers, and the negative equity would get write off. By doing this way I would start a new loan, without the negative equity amount. I was hesitant to agree at first, but they ensure me that everything was going to be fine. He said that will affect my credit score. What they don't tell me it is that now the bank still require that I pay the remaining amount of the loan that was suppose get write off. In XX/XX/XXXX the bank send me a letter requiring payment of the deficiency balance. In XX/XX/XXXX they sent me a letter from a collection agency. Now I'm risking a judgment and bankruptcy. Since I live paycheck to paycheck, I don't see how I will be able to pay. I was mislead by a deceptive practice into the purchase of a new vehicle!
05/16/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • NJ
  • 08054
Web
I contacted Nissan ( NMAA ) in regards to my lease. Nissan sent my registration for my lease by mail on XX/XX/21 and did not arrive to my home until XX/XX/21. The registration on my lease had already expired. Due to Nissan mailing it late, I incurred an additional fee at the DVM. I contacted on XX/XX/21 to file a complaint at Nissan and was told I would receive a call back. XX/XX/21 I called Nissan back to follow up why I didnt receive a call back since it was unfair I was charged an additional fee to pay online to the DMV. Nissan told me they do not do anything with complaints and told me oh well the additional fee they caused due to sending the registration late they would not do anything about and my problem. The representatives at Nissan not only dis not take a complaint seriously, but didnt care I had to pay more in registration cost. I was promised again for a second time a supervisor would call me back on XX/XX/21 which never happened. I fee discriminated and completely unacceptable that I paid an additional fee to the DMV for my registration due to Nissan not caring any causing me harm. I would like someone to look into this matter since I am getting nowhere with Nissan and no one cares.
08/13/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NY
  • 11752
Web
I made a verbal agreement with Nissan of XXXX XXXX finance officer XXXX XXXX for an out the door price of a little under {$27000.00} for a XXXX XXXX vin # XXXX. While signing papers After XXXX XXXX XXXX asked me questions and complimented my appearance and job as a XXXX XXXX XXXX profusely. When we got to the purchase agreement I pointed to the bottom number of {$27000.00} as said that it was more than our agreed upon price. He said it was because I was paying what was owed on the lease. I signed the paper thinking that was my purchase price. When I got home I was looking over the paper as saw that he lied. The amount mentioned was my loan agreement not the purchase price. My down payment had been added to the verbally agreed upon price and that was the sale price. I arrived at Nissan of XXXX XXXX at opening but was told I had no recourse but to speak with XXXX XXXX I waited over an hour to find out he was not due in till XXXX and his manager XXXX XXXX at XXXX. I will return at that time. XXXX was unethical by distracting me while and lying to me. I made it clear multiple times that the agreed upon purchase price was the out the door price of about {$27000.00}. XXXX lied to me multiple times.
03/12/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75093
Web
XXXX XXXX has reported my account as paid late 30 - 59 days twice wrongfully : 1. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00} my payment was due on the XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$650.00} and XXXX XXXX processed the payment on that same date. Given that XX/XX/XXXX has 28 days this means that my payment was made and processed on the 28th day and not 30 days or more. By law they should have not reported a payment made before 30 days as a 30 to 59 days late. Now this is reported on all major credit bureaus and XXXX XXXX is refusing to acknowledge and abide by the consumer protection protocols and laws. 2. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00}. my payment was due on the XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$640.00} and XXXX XXXX processed the payment on that same date. Given that XX/XX/XXXX was a Saturday this means that my payment was made and processed on the 8th but what XXXX did is that they counted the week end and end of business the following Monday and reported my payment to the credit agencies as paid on XX/XX/XXXX.
12/02/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • TX
  • 76022
Web
on the sale of the car nissan took over 30 days to pay off my existing loan with themselves ( old car trading in for new car both where financed through XXXX XXXX ). on the first payment they charged me for the old car and new car. took them over 60 days to figure out what happen and was suppose to have corrected my account. later in the first year in of the loan, i want to say it was XX/XX/XXXXthey say i missed a payment. i sent them my bank account info showing the payment went through at least 3 times over the next 90 days. they kept calling my phone every 30 days saying my payment was late and we would go over the same deal, i would send them the payment info. i was insured my account would be fixed if i sent in the bank statement. today i logged on to the site to pay of the loan and now i owe XXXX in late fees, their agent tells me my account is now in collections. i have bank records showing for each month nissan has automatic withdrawal from my account for the monthly balance. i am at the point i want to peruse legal action against XX/XX/XXXX, i have done everything i can to satisfy this loan in good standing but they have obvious system issues and are now causing undue hardship
06/08/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • KS
  • 66517
Web
Nissan Motor has violated the Truth and Lending Act section 162 15 U.S.C. 1666a- Regulation of Credit Reports. Nissan Motor is reporting to the Consumer Reporting Agencies that I have a delinquent account, which I have already dispute this account with Nissan Acceptance Motors. This is not my account. They are also in violation of section 112 15 U.S.C 1611 - Criminal liability for Willful and knowing violation. They are willfully and knowingly giving false and inaccurate information to the Consumer Reporting Agencies, which is hurting my consumer report and causing me to get denied for credit. Nissan Motors is also in violation of United State Code1692g -Validation of Debt. I plan on filing a complaint with the Attorney General of my state and with the XXXX. If Nissan Motor does not remove the Nissan Motor account from my consumer report I will take legal action and file litigation against Nissan Motor in my state and county court. I submitted a CFBP complaint about Nissan Motor XXXX XXXX 2021 and Nissan Motor responded saying they could not find an account in their system with the information I provided but yet they are still reporting this account to the Consumer Reporting Agencies.
10/04/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • CA
  • 91201
Web
I leased a XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX. This year I was unable to renew my registration because the year on the title of my vehicle is incorrect. The year of purchase on the car is listed as XXXX instead of XXXX. The California XXXX confirmed this and requested a title modification in order to renew our registration. I've been calling Infiniti Financial Services ( IFS ) since XXXX and they said that they will get this problem resolved. We are in XXXX now and my car no longer is eligible for a temporary registration. I STILL have an error on my title and I am making payments for an XXXX that I can not drive. I just spoke with an IFS agent for an update, and from my understanding the title has been reviewed and sent to the dealer for a modification. HOWEVER, the XXXX XXXX XXXX is PERMANENTLY CLOSED. They have not followed up with this issue nor have they checked their facts to realize that there is no one at XXXX XXXX XXXX dealership to accept their request. I spoke to another local dealership and they advised me to get in contact with XXXX XXXX XXXX. However, all the numbers provided were dead ends. I keep getting brushed off and ignored and neglected.
02/11/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • UT
  • 84105
Web
Please see complaint Case number : XXXX - Where Nissan Motor Acceptance Corporation significantly abused an elderly victim and where they assisted a Nissan dealership in conducting fraudulent activity. This previous complaint was filed by myself XXXX XXXX XXXX with sufficient power of attorney to represent XXXX XXXX in the matter of fraud Nissan Motor company continues to perpetrate. Such POA had been previously provided ( on or around XXXX 2015 ) to NMAC so they were aware that I had this power and knowing I was an authorized agent of the victim should have appropriately answered the complaint and not just shirked such responsibility. Now in addition to the previous complaint it has come to our attention that NMAC illegally seized a refund of over {$6000.00} from a vehicle maintenance plan. This was paid for by the vehicle equity the victim was deceived into trading in and the demanded cash downpayment obtained through this elder abuse. As NMAC had no superior claim, and in fact, since there was no contract, NMAC had NO CLAIM to the proceeds of that refund. It is clear NMAC has no issue continuing its illegal behavior and in continuing to unfairly treat and abuse its victims.
06/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OK
  • 74048
Web
Around the XXXX of XXXX I have been closely looking at my credit report as I was making extra payments to pay off my auto loan with XXXX XXXX XXXX. It was around that time that I was noticed that my credit report was not reflecting the payments that were being made. After contacting the company the advised me to start a dispute and that would get it straight. However, XXXX additional phones were needed weeks later in order to correct the problem. As I move to early XXXX I paid off my debt completely. After weeks of not seeing the report I decided to launce another dispute on XX/XX/XXXX. On a recorded line with Experian I was told that XXXX had not reported payments from XX/XX/XXXX until XX/XX/XXXX. My complaint is XXXX XXXX company has not been reporting my payments as they should. The Fair Credit Reporting Act promotes FAIR CREDIT REPORTING. It is not fair that they have reported all the bad stuff, but not all the good stuff. They are responsible for some damage to my credit report. I would like CFPB to obtain the the exact history of XXXX XXXX XXXX XXXX XXXX XXXX. If it is determined that they are in violation. I will be seeking a legal complaint in the necessary court of law.
07/06/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • MA
  • 02155
Web
I have written and called Infiniti Financial about my lease multiple times. They had lost a payment of mine and then cashed it 2 weeks later. I sent a copy of the check that they cashed clearly showing the date I sent it and the date that they cashed it. They put a late fee on my account. I called to discuss it again, They still did not fix it. They sent a report to the credit bureaus over this which ruined my 25 years of perfect credit. PERFECT CREDIT. I then sent letters with proof to Infiniti again and also to XXXX. Infiniti then changed their story stating that it was a different month that I was late. A different month then they reported to XXXX. I then sent proof that I paid that month on time. They still did not fix my credit report. I paid their leases for 6 years on time. I had perfect credit for 25 years. I believe this proves that they should fix their mistake. Losing a customer of 6 years because they are incompetent seems absolutely ridiculous but this is making me end my lease, leave bad reviews, and seek legal action. They have multiple horrible reviews stating that they give false fees and do not fix errors. They seem to lie instead of having to do the work.
09/02/2016 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 23511
Web Servicemember
I am XXXX and Nissan motors acceptance cooperation has been accusing me of not making payments even though I have been paying above the minimum amount since I got the car. On top of that, they keep adding on these " late '' fees even though I 'm paying them on time. They have been blowing my phone up every single day for months now. At least 2-4 times a day. It does n't matter if I answer or do n't because they say the same thing. I keep blocking their number but they just keep calling me from different numbers. I told them many times that they are wrong about me owing them money. I told them they are harassing me and to remove me from their calling list but they just became more disrespectful towards me, making more threats, and calling me more everyday for no reason but just to harass me. These guys are crooks and I 'm tired of them treating people like this. It 's like they think I 'm rolling around in money but really I 'm barely making it by paycheck to paycheck. On top of all that these guys are ruining my credit. I went from having great credit to very poor credit because of these people accusing me of something that 's completely false. They 're are ruining my life.
10/09/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 22030
Web
On XX/XX/2018 I received a statement via mail stating that my account has been forwarded to our office for collections for {$790.00}, this notice came from XXXX XXXX XXXX. I Called XXXX right away and was told that amount owed on the statement is for property taxes, I asked XXXX XXXX for proof of this. Prior to this statement I was never notified of this bill there was no bill and no phone calls. On XX/XX/2018 I again called XXXX XXXX and was told that the bill was the license plate, I was given different information on XX/XX/XXXX and different information on XX/XX/XXXX. I again asked for proof and an explanation for what this bill is for and why was I never informed the rep stated he will email me the information. To date I have not received any documentation. I no longer own this vehicle and have not owned this vehicle since XX/XX/2018. XXXX XXXX never contacted me thereafter, never sent me any communication until I received a collection notice on XX/XX/2018. I was unaware of this owing balance which XXXX claims I owe. I have a new vehicle and I think XXXX XXXX is trying to double bill me, this is why there is no proof and I have not been contacted prior to this notice.
03/14/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • CA
  • 93285
Web Servicemember
On XXXX we purchased a new 2017 Nissan XXXX XXXX and financed it with Nissan Motor Acceptance Corporation. When we were deciding on a vehicle, the salesperson informed us that the vehicle came with the Nissan Navigation System. The system is used in the vehicle for mapping as well as many online options through your smart phone. We tried to connect the system to use with our vehicle ( after purchase ), which included downloading the " application '' on the smartphone. I went to the Nissan website and referred to the instructions. The website also stated that this option is available with our vehicle. I tried to follow the steps to utilize the system. In the process, I spoke with a representative of Nissan, and she confirmed that the system is applicable to our vehicle. I tried and tried, finally getting to the point of inputting the vehicle VIN. It was at this time that the website indicated that the package was NOT applicable to our vehicle. I feel the salesperson was misleading to us as well as the Nissa n website, and again, with the rep from Nissan. I feel this is false advertising as the system was one of the reasons we decided on this particular vehicle.
04/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AR
  • 72364
Web
I had a car accident on XX/XX/XXXX, in which this vehicle was completely totaled out. Nissan informed me that I owed one payment that was due XX/XX/XXXX for a total of XXXX. I completed this payment on XX/XX/XXXX. Once I completed this payment, XXXX ( my insurance company ) and GAP submitted in the total for the rest of the vehicle. At that point in time when I accessed my account with Nissan, they showed that the balance was 100 % taken care of and that I owed no further payments. I was also informed by a representative that I was owed approximately {$2000.00} more dollars in payment for warranty that I have not received and an additional {$460.00} in tire warranty ( that I have not received. I also received a {$58.00} check for my excess payment that I completed on XX/XX/XXXX. Nissan did not inform me that I owed any additional payments, yet they reported inadequately on my credit report that I am 30 days past due ( in which I am not ). Had I owed an additional payment, this payment would've been due XX/XX/XXXX and I wouldn't have been past due until XX/XX/XXXX. I have not received any notices from Nissan in any way stipulating that I owed any further balances.
12/17/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Termination fees or other problem when ending the lease early
  • CO
  • 80126
Web
Several charges were levied against us upon terminating our lease for a XXXX XXXX XXXX. These charges included {$180.00} and {$150.00} for scratches, which are legitimate and we agree to pay. One is for a termination fee, which is buried in the fine print and obscured between various schedules. We feel this sort of fee is very deceptive and was not adequately disclosed. The worst part is they offer to void the fee if you sign another lease with them, or buy a new car from them. So, you are punished if you don't do business with them, it's extortion, or at a very minimum a highly deceptive and unscrupulous sales tactic impeding on our right to make our own economic choices. Nonetheless we did agree to pay it in our letter sent last month, if only to strike a compromise because of the situation below. The fees we are formally disputing are two {$120.00} charges ( plus tax ) for " excess wear '' on two tires. The problem with this is that our lease permitted XXXX miles, and we turned the car in with roughly XXXX miles, so if there was any " excess tear '' it was because of issues with the product they sold us, and not with our use of that product. VIN XXXX
05/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • KS
  • 66517
Web Servicemember
I have been trying to get this resolved since back in 2020, I am so frustrated and angry, because NISSAN MOTOR ACCEPTANCE CORPORATION want to help me out. I have tried reaching out to higher management different supervisors different representatives, and I keep getting transferred from one department to another, and all are saying they can't help me.NISSAN MOTOR ACCEPTANCE CORPORATION refuse to remove this fraudulent account from all three of my credit reports, I am exhausted and tired of this negligent behavior. They " verify '' the account to be accurate, yet they are not sending me any viable evidence pursuant to section 609E of the fair credit reporting act. I am a victim of identity theft, and I should not be suffering for something that was not committed by me. NISSAN MOTOR ACCEPTANCE CORPORATION said they are unable to locate an account with the information i provided, but yet they are still reporting this fraudlent account. They are asking me for a VIN number for a car i never owned. Also, the XXXX Nissan Motor Acceptance was just updated with a recent payment of {$2.00}, which i never made, and is a violation of the FCRA which re-ages the account.
07/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CA
  • 92223
Web
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.
04/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 21702
Web
My account was reported 90 days late with Nissan Acceptance Co starting XX/XX/2018. I knew my account was coming up to be paid off so when the payments stopped being automatically deducted from my account I thought nothing of it since I was set up with the creditor for automatic draft. I received a notice in the mail about 2 months later that the account was delinquent. I immediately called and paid the remaining balance and asked how that was possible. They said apparently my payment didn't amortize over the life of the loan. I've never heard of that happening. During the financing it doesn't make sense why they wouldn't have covered the whole loan. I told the representative that I did not feel that this should be held against me and I was told it would not be reflected. I had my credit checked not long after the incident and sure enough there it was. I filed a dispute and was told it was resolved yet it is still on there. I have worked in the mortgage business for over 20 years and know how important credit is and how embarrassing it is let alone the affects it can have obtaining good rates. This has had a negative effect and would like it rectified.
04/09/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • TX
  • 78070
Web Older American
Please reference XXXX. NMAC 's responses were very colorful and generally accepted. However, their answer to the title release is erroneous. From : XXXX XXXX XXXX I found their answer to be incorrect. " The Electronic Lien and Title Program ( ELT ) is a paperless method that allows TxDMV and a financial institution or lienholder to exchange vehicle title information electronically. The title record is sent electronically and the lienholder stores the electronic record instead of a paper certificate of title. The electronic title is created and held by TxDMV in the state motor vehicle database. Title applications are submitted and processed through the local county tax office. Under ELT, when a lien has been satisfied, the lender must submit an electronic release of lien. The lienholder is then removed from the record, receives an electronic notification and a paper title is sent to the owner. '' I am suspect that the lien was released. I would like a Lien Release Letter, on NMAC Letterhead, duly notarized so I can go get a " Certified Copy '' of the title. There is an expense of time and money to accomplish this. Perhaps NMAC would like to do this?
01/22/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with signing the paperwork
  • CA
  • 94544
Web Servicemember
Hello my name XXXX XXXX I have hearing impairments and severe brain injuries that affect my everyday life. I called NMAC asking multiple times about getting out my maintenance plus contract.First lady told to drive to Nissan dealership to have my mileage statement signed when got to Nissan Dealership in XXXX XXXX Ca the general manager tells we dont sign documents turned me away.So the general manager assisted by calling NMAC asking what is supposed to do. I drove 40 miles to that dealership the rep on the had a heavy accent was not getting any where. I asked for supervisor call back to address the miscommunication never happened.Called on XX/XX/XXXX explaining situation again the rep tells I cant record the calls which it a violation of American Disability Act if you have certain conditions such as hearing impairments or other XXXX XXXX helps with effective communication skills. I feel like Nissan discriminated against me because of medical conditions that would help effectively communicate the law went in affect XX/XX/XXXX according to the ADA under Effective communication. I am filling a Federal Complaint under ADA Civil rights were violated.
07/19/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • TN
  • 37419
Web Servicemember
I recently submitted a complaint to CFPB in regards to an amount Nissan is now saying I am to pay which is {$660.00} due to a partial payment being made in XX/XX/XXXX and {$92.00} is an amount left over to pay, making my payment increase to {$660.00} and that my contracted amount is still {$570.00}. I have been affected by Covid and I have requested extension for XXXX and XXXX there was no payment made making any balance owed of {$92.00} to be tacked on to contracted monthly payment making it {$660.00}. The last payment I was able to make was in XX/XX/XXXX and it was for the full contracted amount of {$570.00}. Before that also payments were made as agreed According to contracted amount before financial hardhship. Since XXXX of XXXX the history shows Nissan stating my monthly payment amount is {$660.00} and not XX/XX/XXXX. And the last time posted per statement of contracted amount was back in XX/XX/XXXX and by that appears Nissan changed my monthly payment amount wayyyy before this year came into play. Per-attached shows the changed payment amount to {$660.00} happening back in XX/XX/XXXX per Nissan Statements I recieve online per their portal.
11/09/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76002
Web
On XX/XX/2018 a repossion validation letter was sent certified to NMAC regarding a reposession. 14 days was given for the company to respond and to provide the documents in question. NMAC did not respond at all. Since tracking was attached I know that the letter was received on XX/XX/2018 at XXXX XXXX. Since NMAC failed to respond with the appropriate documentation within the allotted 14 days they are no longer permitted to report any deficiencies related to this account on my credit report ( s ). Per FDCPA and FRCA regulations. NMAC is now in violation by continuing to report this deficiency with fine starting at {$1000.00}. I fully intend to pursue litigation is NMAC does not remove this erroneous debt from my credit report. All opportunities were given for NMAC to validate this debt. NMAC does not have permission to contact me by phone, e-mail, or US postal mail. All communication is to be through the CFPB. I hope that this can be resolved quickly as I am a litigious individual and will not hesitate to seek damages against NMAC under all available State and Federal statutes and UCC-9 remedies as well as violations from FRCA and FDCPA.
11/18/2017 No
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Termination fees or other problem when ending the lease early
  • CA
  • 94553
Web
XXXX XXXX lease was At the end of my lease of 39 months. I called and extended my lease for 6 months and was told me it was month to month and i can turn it in any time and pay for keep making payments as i go along. Well 3 months later my wife and i decided to cut our cost so called and asked for end of lease inspection and since i made payment for following month i asked them to to hold that payment for lease turn in fees. So after run around to get lease inspection took them two weeks due third party company over booked. After calling and keeping them updated about the inspection and making sure my payment will go towards the turn in fee and not another month of payment. They confirmed me that information couple times that will once finale bill is posted and will take a month. Got my last bill shows i owe {$350.00} for lease end fee. So I called told them i have paid them {$500.00} for month that I did n't have the car was turned was told by their staff that it will go towards my lease turn in bill they claimed they did n't have any notes of such. My lease was on month to month and they took my payment even when my car was turned in.
10/24/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • PA
  • 19038
Web
On Wednesday, XX/XX/2018 I went outside to get in my car to go to work and the car was gone. I called the policy who informed me that my car was repossessed. They gave me the number to the place that took my car. I contacted them and they told me to contact the XXXX people. I contacted the XXXX people who told me that my XXXX and XXXX checks bounced and they repossessed my car. I asked them what did I need to do to get my car back and they told me that I could not pay what I owed and get the car back because it was a new lease and the only way I can get my car is to pay the total worth of the car which is around $ 52k or get my own financing. They gave me the address to the place where my car was taken and allowed me to go get my belongings from out of the car. I spoke to 2 supervisors and both of them told me that it was nothing they could do. I asked them why wasn't I informed that my payment was past due in writing she said you were by the monthly car note statement. I asked well you don't send out letters stating that the payment is late and she said no they do not. The only correspondence they send is the monthly statement.
05/29/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • FL
  • 33064
Web
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.
05/13/2021 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 19145
Web Servicemember
Nissan Motors Acceptance Corp, my lender, sold my debt to XXXX XXXX XXXX ( XXXX ), a credit collections agency sometime after I defaulted in XXXX or XXXX. I contacted XXXX to settle the debt and they agreed to accept a settlement and report the debt as " paid in full ''. However, now in XXXX, although XXXX shows it paid in full, Nissan is still showing a balance in excess of {$3000.00}. They advised that they do show the debt as " settled '' but maintain that though they won't collect the $ XXXX that they will continue to report it as a balance due. This completely contrary to the agreement I made with their agents at XXXX and contrary to the specific verbiage provided for in my settlement letter from XXXX which reads : " ... your account will be shown as settled in full and final compromise of the debt. '' I believe Nissan must honor this agreement and report my debt as settled in full as agreed to with VRS. I also believe that they are in breach of FTC reporting laws, which I have advised them at least twice on a recorded line. CC : Nissan Motors Acceptance Corp Nissan Motors Accept Corp XXXX XXXX XXXX XXXX, TX XXXX
06/09/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • High-pressure sales tactics
  • IL
  • 60439
Web
XX/XX/2020 - Infiniti insisted that they HAD to run my credit for a loan through them even though I told them I had a loan from my credit union which resulted in many hard inquiries hitting my credit report. My son bought a car and so did I from XXXX XXXX, and for EACH purchase we already had a loan from our credit union and we both told them we DID NOT want or need financing. They insisted that they run our credit because they had to because its a law or a rule with their company. My loan was three years ago, and I was not happy but I let it go. My son who is only XXXX just received seven loan denial letters from various loan companies which were hard inquiries that hit his credit. We knew he would not receive credit because hes not been at his job long enough nor does he have any credit history. They ran his credit against his wishes and now his credit is worse because of this deceitful practice. While I love Infiniti, I am not happy at all with this credit game they play by insisting that that they have to run your credit. Its almost like a punishment for you getting your own loan and not using them. Very deceitful!
05/23/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Denied request to lower payments
  • PA
  • 19145
Web Older American
XX/XX/XXXX , day before my XXXX birthday Myself & Son went to XXXX XXXX XXXX Pa, sales person XXXX XXXX ... the way Girl explained things XXXX would pay off XX/XX/XXXX XXXX XXXX found out XX/XX/XXXX XXXX XXXX was not paid off ... I contacted XXXX XXXX & spoke to the finance dept at XXXX .. XXXX said there was nothing they could do..I asked XXXX if the contract could be renegotiated I was told NO! ... I came into the dealership with an advertisement stating They XXXX could save me {$200.00}. On car payment ... I end up owing a $ XXXX car payment plus a {$420.00} lease per month ... that was not what I bargain for, I 'm XXXX on a fixed budget, I take care of my XXXX XXXX XXXX XXXX Niece ... WHY WOULD I TAKE ON XXXX CAR NOTES .... & XXXX XXXX XXXX did a BATE & SWITCH , My Son also heard XXXX state they would cut a check that same day to pay off XX/XX/XXXX XXXX XXXX ... .I left XXXX XXXX XX/XX/XXXX with the mindset that the XX/XX/XXXX was PAID OFF. XX/XX/XXXX I found out different and started calling everyone ... ..I 'm
11/27/2020 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07070
Web
Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several XXXX issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. XXXX XXXX
09/16/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OK
  • 73170
Web
Purchased new Nissan in 2013 setup due date thru dealership for mid month. 1st and only statement every mailed to me showed due XXXX of each month.made monthly pymts per this statement on bank auto pay, setting up online acct this morning and finding out for 1st time that I have been charged ) ate fees for 2yrs for paying late, but did not report because acct still considered current, Never called or contacted in anyway to advise me of this, even when I called for help setting up acct online Rep. Did not even say anything about this only found out once I could log into acct. Was told just pay at end of contract. After some time on phone did get XXXX dollars waived but feel should not have to pay any of these fees because I was Never told about this or sent statement. Nissan first said statement mailed to bank because on auto pay? Not sure why because my bank would have mailed them a ck in my name never requested paperless did n't even know acct # this is why I called when setting up acct, if I had not been setting up online in 3 more yrs loan would never pay off because I would continue being charge fees for late pymt.
03/12/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • PA
  • 19152
Web
XXXX XXXX sold me a Nissan Altima under false pretenses stating it had a clean XXXX ( which I just found out it does not ) and under the false pretense that I had a 6.34 % rate. I overpaid for this car from the beginning based on their lie, as the damage on the XXXX that they claimed was clean immediately reduced the value of the car, which was greatly exaggerated. As for the 6.34 % APR, only 69 % of my payments have gone towards principle, which means I basically have a high interest credit card type payment for a car loan. I asked Nissan about it and they blamed the extensions they've given, but they never explained these extensions could nearly raise my interest paid to 500 % of what it should have been. When trying to trade of the Nissan completely, I found my car to be at nearly {$11000.00} negative equity, which means I can't leave Nissan if I want to. Assuming even 200 % the marked interest rate of the loan, over {$3000.00} more would have went to principle making a trade out slightly more possible. I am trapped by Nissan because of their deceit at the dealership and also by Nissan Finance practices themselves.
09/11/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • NY
  • 11545
Web
I experienced an issue with my car smelling of mold and mildew dating back to XX/XX/2019. It was determined that there was a water leak by the XXXX peddle, which cause water to come in the car. It cause mold and mildew to grow within the vehicle. My car has continued to have a horrible odor, which has caused me to have headaches and other medical issues. Nissan has still yet to correct the problem with the vehicle or allow me out of lease with the down payment back. They continue to lack communicate and fail to answer any communication. They still continue to drag the process out with no end in sight. I'm looking for assistance with my options due to a manufacture defect that the car had from when I leased the vehicle. There are three other cars at the baron Nissan Dealer with the same leak issue as my car. They are refusing to speed up the process or provide me with a permeant solution to the issue. They have attempted to fix the issue over four times. The vehicle is now having current electrical issue with the starter and doors. The vehicle wont unlock or start with the keyless entry. its not detecting the key fob.
10/08/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with fraud alerts or security freezes
  • TX
  • 76179
Web Servicemember
I am XXXX XXXX XXXX XXXX, I purchased a XXXX XXXX XXXX brand new. In XX/XX/XXXX the transmission had to be replaced. In XX/XX/XXXX the car had XXXX miles cost {$4000.00}. In XX/XX/XXXX the car again started having the same transmission XXXX MILES. I was told by XXXX XXXX XXXX XXXX that the transmission would have to be replaced again at a cost of {$3200.00}. The new transmission has only XXXX miles on it. I was told by XXXX XXXX XXXX XXXX XXXX told me that the warranty on the new transition was only for 12 months and if I want the car repaired I would have to pay the full price. After doing research the CVT transmission of the XXXX I have found that many consumers are complaining of the same issue. The car will not accelerate when you push on the gas This is a safety issue example if I were to pull out into a busy intersection I may be hit because the care fails to accelerate to the default in the transmission. I do not believe I should have to pay for another transmission that will fail again do to XXXX XXXX flawed design. Has a class action lawsuit been filed against Nissan if so please add me to the suit.
07/29/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • MA
  • 02474
Web
I have financed my automobile through Nissan Motor Finance since XXXX of XXXX. I have a 5 year loan on my vehicle. My monthly payments were made via auto pay on time every month for 3 years without incident. In XXXX of XXXX, Nissan Finance, without any warning or notification, simply stopped taking my auto payments. I received no late payment notice, and only stumbled upon the fact that the XXXX payment was not taken when the XXXX payment came due..by this time the XXXX payment had been reported to the credit reporting agencies as 30 days past due. According to Nissan, although I have a 5 year loan, the auto payment option stopped at the end of three years and had to be manually reinstated by me via their website at that time. I had no idea, nothing in the loan paperwork tells me this. One might have thought they might have notified me that this was the case. I have reinstated the auto pay, and all payments continue to be made every month. Attempts to have the late payment removed from my credit report have been futile. I feel strongly that this should not be on my credit report, as I did not " miss '' a payment.
07/29/2021 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Vehicle was repossessed or sold the vehicle
  • NY
  • 11233
Web
My vehicle was impounded XX/XX/XXXX held as evidence for a year. I obtained my vehicle back from the impound damaged in XX/XX/XXXX. As of now I cant register my vehicle because the finance company took possession of the vehicle since XXXX without my knowledge. The DMV provided me with this information in XX/XX/XXXX. Since then Ive been reaching out to the finance company for them to provide me with a updated title along with a permission letter so I can register the vehicle. Ive had possession of the vehicle since it was released to me. I dont know why the finance company is stalling giving me the run arounds and Ive called 5 times regarding this matter and all I keep hearing is that the vehicle has been repossessed, then I tell them I have the vehicle. Then I hear its going to take 10-15 business days. Then I hear your just going to have to wait there isnt anything they can do. No help from the finance company NMAC ( NISSAN MOTOR ACCEPTANCE CORPORATION ) when it comes to this matter plus I wasnt notified at all by the company when they supposedly took back possession of the vehicle that I have in my possession.
02/02/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • OH
  • 44125
Web Servicemember
I was pressured into a predatory lease with NMAC stating that it would " eat up '' my negative equity. I was told that NMAC would allow me to bring the lease back early and lower my lease payments, or refinance the loan. After paying XXXX for a year and a half and reaching out to the company i realized this was far from the case. During this time I had interruption to income due to health issues and reached out to inform the company that my payments were too high. I was not given any alternatives and was instructed that i could do a voluntary surrender. Against my better judgement and out of my control I allowed NMAC to take back possession of the vehicle to avoid further damage to my credit. I can say that this lease was predatory in nature and nothing was done to help me as the consumer. Since then the car was sold and sold at a high dollar value. This loan is currently charged off but has been refreshed several times. They have also contacted me after the loan was charged off attempting to collect. This lease has been reported to my credit report as 90 days late every month on my credit report since 2019.
07/18/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • WI
  • 53129
Web
I entered into a lease agreement with Nissan Motors Acceptance Corp. XX/XX/XXXX. On XXXX XXXX, the first payment on the lease was made on their website, XXXX. ALL of my monthly payments are made online. On XXXX XXXX, 2016, I sat at my kitchen table and paid bills. The Nissan payment was never taken from my account. I did not realize this had occurred until I logged into my account in XX/XX/XXXX to make the XX/XX/XXXX payment. They indicated that there were attempts to contact me, however I never received a voice mail from anyone at Nissan. They are unwilling to work with me to clear the late pay from my credit report. This is nothing more than a misunderstanding, and I believe that the consumer should be given the benefit of the doubt. I am attaching the email sent to one of the Managers in the Collections area. The email was sent to both his personal and corporate email address. When I spoke with XXXX today, she again indicates the payment has not been made. I made the payment on XXXX XXXX. Also attached is the letter that I am sending to their Consumer Affairs Department. I am a very frustrated consumer.
07/29/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • SC
  • 29061
Web
On XX/XX/XXXX I XXXX XXXX entered a consumer credit transaction with NMAC. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines the finance charge the sum of all charges and it also supposed to include insurance and they didn't include it which is a violation of the Truth in Lending Act. When reaching out to Nissan Motor Acceptance Company they responded by saying they're aware what a finance charge is but they do not off insurance, and that is admitting to not following federal law and a violation of 15 USC 1611. I had a finance charge of {$6500.00} which what it costed me to extend my credit but it was converted into a loan of {$33000.00} why am I paying for my own credit? I have paid {$18000.00} to NMAC which is almost triple the finance charge and I think that is ridiculous that they're getting away with this. Nissan Motor Acceptance Company also didn't give a right to rescission which is another violation of the Truth In Lending Act 15 USC 1635. As of XX/XX/XXXX I have demanded that they cease all communication with me until they give me my specified remedy.
11/01/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • MA
  • 01845
Web Older American, Servicemember
XXXX XXXX XXXX XXXX XXXX NH sale XXXX XXXX Agent XXXX XXXX Traded in a XXXX for another XXXX at end of lease. Mileage over contract by aprox. 3000 miles. Agent exaimined our trade for acceptance did not mention any problems.. we talked about payments Mr. XXXX sealed the deal with us by including XXXX would eat the mileage and be in our comfort bracket. My mother and I agreed to the monthly payments of {$390.00} and gave the first initial payment. Received a call from Nissan Lease that aprox. {$4100.00} was due in cash. This would cover the over mileage and wear and tear. First the car was examined by the dealer no note of a problem and the mileage was to be washed. From what I can estimated Mr. XXXX left the company immediately after our transaction. Went into XXXX talked to manager XXXX. No help available on " He said, she said '' I askd why a " WE OWE paper was not shown to me but I found it with the envelope given. This paper had a forged signature.. XXXX took the paper and returned with a WE OWE paper that had my signature. He kept the signed one and returned my copy. This was strange.
05/19/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • CT
  • 06483
Web
I'm currently leasing a vehicle from Nissan Motors in CT and this lease ends on XX/XX/2021. I called Nissan and advised I needed a buyout amount on my current lease as I was leasing a new vehicle XXXX XXXX XXXX that was not a Nissan vehicle. They provided me with the buyout amount. However, when the 3rd party XXXX dealership called to confirm and process the buyout as XXXX would be taking possession of the Nissan as a buyout, Nissan advised that there policy has changed and that they are no longer accepting buyout 's from a non Nissan dealership. I am now stuck with the re-stocking fee and all other wear and tear items that will arise at any normal end of lease experience and I lose the equity in the vehicle that the XXXX dealership offered me. I called the Nissan dealership I bought the vehicle from, as well as Nissan corporate / customer service and complained to anyone who would listen but I kept receiving the same answer which was that I don't own the vehicle and that the company had changed their policy and there wasn't anything I could do unless I wanted to get another Nissan vehicle.
08/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • LA
  • 70131
Web
I made an agreement with Nissan Motor Corporation, and paid them off on XX/XX/2020, and they are not reflecting this on my credit reports. I have a letter showing that the agreement happened, and Nissan is reporting balances that do not exist. Nissan is also reporting an incorrect account number on my credit report. Both of these factors are a direct violation of the FCRA, and the Nissan Motor Corporation entry on all 3 of my credit reports need to be deleted immediately. Nissan is reporting my account number begins with a 9, however according to my account statements, and Nissan 's online portal, my account begins with a 0. I have attached my agreement letter showing that I have a settlement, screen shots of the Nissan entries on my credit reports showing balances that do not exist, my credit reports incase you want to verify the screen shots, my account statements which show a different account number than what Nissan is reporting, the agreed upon amount withdrawing from my bank account, and a screen shot of Nissan 's website showing a different account number than what Nissan is reporting.
02/13/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem related to refinancing
  • TX
  • 75024
Web
My loan was paid off by another customer 's insurance claim in error in XX/XX/2018. I was able to have this corrected and the funds were applied to the correct account. Prior to the correction, my title was released to XXXX XXXX XXXX. This means that I am not able to provide a copy of the title to a new finance company in order to refinance the loan. The first agent I spoke to XXXX, was very helpful and put in a request to reperfect the title and advised more information would be available in 2 days. After the initial 2 days, I have spoken with an agent every day for the last week and each one has been less helpful. I spoke with a supervisor named XXXX today and she directed me to XXXX XXXX XXXX. This company is unable to assist me as they can not resolve title irregularities. When I called again I was advised XXXX had placed notes on the account that they could not send me the title until I provided a Power of Attorney and I was again advised to contact XXXX XXXX XXXX due to her notes on the account. I need someone to reperfect my title and provide me with a copy soI can refinance.
12/07/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • WI
  • 54016
Web
I got a loan through XXXX XXXX XXXX on XX/XX/17. I filed for Chapter XXXX Bankruptcy in XX/XX/2017. The vehicle loan was excluded from the plan. ( Proof attached ). Timely payments have been and still are being made. Since that point the loan, on my credit report, has continually showed incorrectly. Some months it shows that it is closed. Some months it shows as being open, but no balance, no payment information. Some months it shows open but being part of bankruptcy. Currently, it is not showing anywhere on my XXXX account ( it isn't shown as open, it isn't shown as closed, etc. On XXXX it is showing as closed, 100 % paid off, but no payment information ( Highest Balance = {$0.00} ) - XXXX screen shot attached. I disputed with XXXX on XX/XX/XXXX & XX/XX/XXXX ( via XX/XX/XXXX website ), details attached. I also disputed directly with XXXX on XX/XX/XXXX ( details attached ). In all cases, " changes '' were made to the reporting, but the changes were still inaccurate and the following month the reporting changed ( sometimes reverted, sometimes to something completely different ).
12/27/2019 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • TX
  • 75006
Web
back in XX/XX/XXXX I spoke to a young lady by the name of XXXX. I wwas close to 120 days past due. I explained my situation and that I was maing payments to show my intent to pay the loan. she said that some customers they have to call the police on because they try to hide vehicles. I explained I didnt want that. That i own my own buisness and I was out of work for 6 months due to my equipment breaing down. I made a payment. On XX/XX/XXXX XXXX left a voicemail identifying herself from XXXX and that she understood what the vehicle ment to me and she was trying to help me keep it and prevent from calling higher authorities. when I heard the voicemail I got scared but I had already made a payment. I contacted XXXX and they said they would review the voicemail and call but never returned my call. on XX/XX/XXXX i spoke to a supervisor who said she would review the call and i asked for there legal departments information and was told that the legal department only protected them but that she would review the call and they would take action but did not specify what action or remdey would be taken.
08/03/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with a trade-in
  • TN
  • 37075
Web
The value to debt ratio is inverted and the title is prejudiced due to fraud on the part of the selling agency. I have been told by the XXXX XXXX that they can not take the car in on trade, even though Infiniti XXXX XXXX XXXX authorized the vehicle for resale after replacing defective parts. Infiniti is now calling the vehicle a lemon and telling me I am just stuck with the auto. I owe {$13000.00} the value is @ {$9000.00}, which is well below value due to the lemon identifier. Further, the XXXX reports prevent the vehicle from being sold. When the vehicle was sold to us, we were provided a fake XXXX Report indicating the airbag recall was the only issue with the car. That is not the case. I took the vehicle to XXXX XXXX in XXXX Georgia who performed all warranty work and on three separate occasions, the sales manager contacted me to buy the vehicle due to its condition and maintenance record. When I finally became interested in trading for a new vehicle, it was sprung on me that the vehicle could not be accepted by the dealership. This responsibility falls upon Infiniti XXXX XXXX XXXX.
04/26/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75028
Web
This is for Loan # XXXX When I leased the new infiniti from XXXX Infiniti on XXXX / XXXX / XXXX they verified that my car insurance with XXXX XXXX XXXX was active. I gave them a copy of my insurance card with XXXX an d Infiniti Finance to up date vin # and verify with XXXX XXXX that Insurance was in force. I was rear ended in an accident by a dump truck. The accident was not my fault. When I called XXXX XXXX XXXX to let them know I was involved in a car accident, they told me I was not covered. I contacte d Infiiniti Finance im mediately to let them know of their error and that I was not goi ng to drive the vehicle in a damaged state. I can not drive their vehicle in its unintended condition. Thus, I returned their vehicle to XXXX Infiniti in XXXX . I told them I was not going to make any future lease payments until they repaired their vehicle. I gave them all of the Insurance information from the other driver. They were going to call me back a month ago and agreed to not put anything on my credit report. However, they have and it is Fraud
10/21/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • VA
  • 23901
Web
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.
04/08/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • HI
  • 96764
Web
I began calling Nissan back in XX/XX/XXXX when I fell behind on my payments due to Covid. Unfortunately I was never able to reach a representative,. After many failed attempts, I finally sent them a certified letter on XXXX XXXX requesting direction and offered to continue making my payments. According to my credit reports, the loan now reflects a higher balance, late payment history and that the account was charged off and allegedly sold to another party. On XX/XX/XXXX Nissan responded to my letter claiming they are unable to locate my account? How is this possible when they continue to verify the disputed information with the credit bureaus. On XX/XX/XXXX I sent another certified letter to Nissan demanding resolution. Nissan has failed to respond. I have been denied the opportunity to resolve this account which is continuing to have an adverse impact on my credit rating. I still have the vehicle and I am willing to honor my loan payments. I am respectfully requesting that your office require Nissan to respond and offer a amicable resolution which include correcting my credit reports.
04/05/2020 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92243
Web Older American
debt incurred with this vehicle is not mine, as per law, there is no money, as per documentation, and my complaint to the IRS stating such. debt collector is a third party carpetbagger, intervening in my private personal, affairs, as per the constitution, " all things move in contract '', i have no contract with XXXX XXXX XXXX, and they are trying to extortion funds from me, why these XXXX are allowed to exist, in our society is incredulous. The FCR Act, states in no uncertain terms, that I am supposed to be notified, BEFORE any negative information, is placed in my credit file, that way i could dispute, this in advance, and not interfere with my constitutional, " right to contract '' neither NISSAN, nor XXXX XXXX XXXX, has done that, violating multiple Federal laws, in there pursuit of fraudulent, unjust enrichment, and trying to keep hard working American citizens, in FINANCIAL SLAVERY, U.S. v. Kozminski, 487 U.S. 931 ( 1988 ). Respondment believes they should be heavily fined, for there participation, in a RICO based, fraudulent scheme to XXXX Americans out of there assetts.
09/20/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • GA
  • 31730
Web
On Thursday XX/XX/2019 XXXX I call the XXXX XXXX to try to resolve this problem because they have been harassing my XXXX XXXX XXXX aunt calling he several times a day and using abusive language on how she need to resolve this matter. I was paying the amount out of my account until I made contact with the Nissan Motor Acceptance Corporation when they advised me that they wasn't receiving any money on this account because the account has been closed. The amount owed is the amount that the gap insurance didn't pay. On this day I advised XXXX XXXX XXXX that I will no longer allow them to take money out of my account. If they send it to me in the mail with a break down of where the money that has already been paid I will pay the bill with no problem. Ms. XXXX stated that isn't the way it is going to be done. She will tell me how it is going to be done. Ms. XXXX have called me several time over and over again being rude. She has harassed my aunt almost in to a nervous break. They are calling everyday several times a day. Ms. XXXX stated it has to come directly out of my bank account.
02/19/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • FL
  • 33414
Web
I started a loan with Nissan Finance Corporation on XX/XX/XXXX. I was to pay {$290.00} a month for 66 months. I have been paying {$300.00} to pay off the principal earlier. I was told I would be done by XX/XX/XXXX by making extra payments. They are still saying I owe them {$130.00}. I went back in my statements online and for the entire first 10 months ( XXXX XXXX/XXXX/XXXX ) they took out NO extra principal. They also did not apply extra principal payment onXXXX. My whole account is messed up as my payment amount due only shows {$270.00} for the past statements. It also shows that I only paid {$17000.00} in principal, interest is {$2000.00} paid and I owe them {$130.00} when my loan contract shows that only paying minimum would have me at the same number. Everything is false. I called on XX/XX/XXXX and was sent to XXXX, a floor manager who called me back later that day and asked for 24 hours to get achived files. I got no phone call. On XX/XX/XXXX I spoke to XXXX who transferred me to his supervisor. She told me XXXX was on another phone call but I owe them the {$130.00}.
09/27/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 23324
Web Servicemember
I received a call from Nissan on or about Monday, XX/XX/2019, I spoke to the representative and advised that I would be making my payment before the end of the month online. The representative gave me a breakdown of all the charges including late fees, and personal property taxes the representative recapped the call several times and also asked when I would be paying next month 's payment. I advised when I pay it, I gave this response because I was frustrated and didn't want to continue the call and also asked why Nissan had not contacted me with regard to my mileage not being correct on my lease or offer an apology. The representative just blamed the dealership. I reminded the representative that the dealership would not be involved if I go over my mileage I would be paying Nissan Finance. At any rate, I promised to pay with a method, amount and date on that call. I then received two subsequent calls from Nissan attempting to collect a debt when I informed them that I would pay. I gave specific instructions and calling and harassing me is a clear violation of the FDCPA.
02/17/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 78109
Web
So I have had a loan from Infiniti Financial since XXXX XXXX. I have been making my payments through the bill matrix system since that time. There are times when I make the payment using the bill matrix online and the payment does not process all the way through but I get a confirmation number. Usually I have to call back because I notice my Payment does n't post in my bank account. Well this last time in XXXX I made the payment on Friday XXXX XXXX XXXX at XXXX. I figured the payment had n't posted because they do n't process payment on the weekend or on holidays which it was president 's day on Monday. I got a call from them saying my payment did n't post and that I am now 31 days late so they have reported my account Late to the credit bureaus. I should not be reported late to my credit report as it was a system error that occurs quite often when I do it. It is incorrect for them to report me late when it is their system that is causing the issue and I have never been 30 days late on anything ever and they are refusing to remove late When it is their systems fault.
09/26/2020 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 17401
Web Servicemember
I purchased a car in XXXX from XXXX XXXX XXXX XXXX XXXX and got financed through Nissan Motor Company from XXXX until XX/XX/XXXX I have made on-time payments to my account was never late. I started to look around XX/XX/XXXX to trade in my Nissan XXXX I went to XXXX dealerships and was informed that they can't find my name in the system as having a loan through Nissan motor corps stating I had a loan with their company. I went to XXXX XXXX XXXX dealership to look at vehicles and was told by a manager that she too could not find me in the system as having an auto loan thorough Nissan at this time I started to feel scammed like I have been paying 6 years for a car that has no links to me so I immediately purchased another car and asked the bank to come to get it it wasn't until this time in XX/XX/XXXX that they ever reported my positive payments or that I ever seen them on my credit report until XXXX of this year with the negative and all the positives from the start of the loan they charged off the account but its showing on my account and I don't think this is fair
05/09/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NV
  • 89131
Web
Every time a make a payment on my XXXX Nissan Ultima they charge me {$12.00}. I have asked them more than XXXX times if there anyway to avoid paying the fee, and is there another way to pay. I have even gone to the dealer I purchased the car at they tell me no as well. Here is the ask question I asked again yesterday on the phone and today in an email format : How do I avoid the {$12.00} extra finance charge not in the APR of my truth and lending? My name XXXX XXXX My account # is XXXX My car is a XXXX Nissan Ultima I did n't realize there was a CFPB. A mortgage loan officer told me about. If I had known the CFPB had existed before, I would have already filed this complaint as this has been going on for almost 4 years now. They force me to go to this XXXX XXXX site which is directed straight from Nissan. I believe this should have been disclosed as another finance fee and calculated in my APR when the original loan was disclosed. This is an extra {$150.00} a year extra I have been paying that is a true cost. Thanks for any help you can offer me.
04/22/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • TX
  • 78006
Web
I never received any bills nor any calls as the dealership incorrectly attached my old address and phone number to my account when they submitted it to the finance company. ( I previously bought a car with them before buying another XX/XX/XXXX ) I has an issue with the dealership for selling me a car with bare tires when per contract it was supposed to be Certified. This was corrected in XX/XX/XXXX/XX/XX/XXXX and I was told I would get a refund on my insurance that I bought and I would not have to make a payment until the tires and bearings were fixed. I have made a payment every month. I have never been late. I relied on the word of the car dealership and now my credit report shows that I have been late paying for about 6-7 months. I just received confirmation that these late payments were taken off of my XXXX report. These are affecting my other reports as well. I have been fighting this for some time now. If there is anything you can do to get this straightened out on all of my reports, just let me know. I appreciated any information or assistance.
08/26/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Termination fees or other problem when ending the lease early
  • CT
  • 06883
Web
I returned my car to Nissan in XXXX. In XXXX of XXXX I received a bill from Nissan for the XXXX, CT local taxes related to the period of time after I had returned the vehicle Because XXXX had not filed the right paperwork to close out the account with the government, XXXX had billed the tax I contacted XXXX and was able to easily have the charges reversed, but was told that Nissan needed to request the refund. On XXXX I sent Nissan what they requested to process the refund On XX/XX/XXXX I confirmed with XXXX government that they had not received any request from Nissan I also contacted Nissan who said it may take several weeks for Nissan to request the refund. At the same time, Nissan is continuing to send me letters demanding payment and has indicated they will put me in collections I do not believe it is reasonable or legal to request payment and put me in collections for a tax that is not in fact owed and is awaiting Nissans request to close out Attached is my transcript with Nissan from XX/XX/XXXX where Nissan acknowledges the key facts above.
10/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92804
Web
I have been a victim of identity theft which occurred in XX/XX/2019. As it was happening I began monitoring the fraudulent credit inquiries. The next month the perpetrator purchase two vehicles under my identity, using a counterfeited State drivers license. As the months with my I was confused about what to do, I contacted the FTC and the three credit bureaus. I discovered that since the investigation was still ongoing I could not get a accurate police report. I spoke to the dealerships and I was told that the fastest way to expedite this problem was to get a police report. After I was able to get a police report I was not able to get in contact with the credit companies, I have reached out and I have left messages, I have personally went to dealerships. Ive been promised to be called back but still shrugged off. I have sent disputes to the three credit bureaus with detailed reports and all of the corresponding information. My delinquent accounts still will not be taken off my credit summary. I am sinking further into debt. I just want this to end.
06/13/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • NY
  • 11559
Web
I went to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX to buy out my car at the end of the lease with a bank check in hand. Upon entering they immediately took my keys, and charged me {$100.00} on my credit card for " starting the application process ''. Despite what they repeatedly swore to me on the phone prior to my arriving, they surprised me with a XXXX XXXX DOLLAR additional charge to allow me to buy the car ( on top of all the usual fees, and the actual book value of the car ). They made up various lies about why this is the case, and got enraged at me when I tried to tell them they were scamming me. They then held my keys and the {$100.00} refund to hold me hostage for TWO HOURS while they sent person after person to try to convince me why the XXXX XXXX dollar fee was acceptable. They finally refunded me and gave me back my keys, and I left, and bought the car at another dealership for no such fee, of course. The people who work there are scammers, liars, and cheaters. It's disgusting that they are allowed to conduct business this way.
05/20/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • PA
  • 18073
Web
We turned in our lease 3 months early because of Covid with over XXXX miles unused and no damage. The car has a bumper to bumper warranty for the first XXXX miles and was in service less than 1 month previously with no driving afterwards except to return it. They are trying to charge us {$1200.00} of which I only agree with $ XXXX monthly rent that was still do, with the {$390.00} disposition fee should be waived per covid making us return the lease. There is no excessive use or damage as they provided no proof of anything. I offered to take back the car since we turned it in early, but they refused!!!! I had planned to make use of the XXXX miles we had left on the lease by constantly driving it and keeping it to the last day. Nissan are thieves and likely this is in retaliation into a lawsuit I have against them in response to the certified used XXXX I bought. This has nothing to do with that lawsuit, but I'm sure they are trying to make things difficult for me since I no longer want to be a Nissan customer after how they treated me with my XXXX.
07/16/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • FL
  • 32218
Web Servicemember
NMAC ( Nissan Motors Acceptance Corp ) is the lienholder on my old XXXX XXXX XXXX ( bought new at XXXX XXXX XXXX in XXXX, FL ). We traded the vehicle in XX/XX/XXXX ( at XXXX XXXX XXXX in XXXX, FL ), and at the time of the sale the dealer got a 10-Day payoff quote from NMAC for {$6200.00} good until XX/XX/XXXX. ( XXXX loan number XXXX ) XXXX XXXX XXXX completed all the paperwork and send a check to NMAC for {$6200.00}. XXXX XXXX still has not received the title for the XXXX XXXX they paid in early XXXX. NMAC told XXXX XXXX that they made a mistake on the account, and did not find out about it until later. So that there is now {$170000.00} owed still on the account. We have made several calls to NMAC asking them to release the title. That their mistake is NOT the dealer 's fault, or mine. Or to send me a document that says that I am responsible for their mistakes ; they also decline. I have asked to talk to a supervisor, or to their legal, or consumer protection department ; all declined. Only talked to a " Senior '' collector. Please HELP!
07/11/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32771
Web
In XXXX, my husband & I received a notice ( from XXXX credit monitoring ) that our car payment with Infiniti reported as a 30 day late on our credit report for XXXX. My husband spoke with an infiniti representative who informed him to pay on the XXXX and his payment wouldnt be considered late nor would it report to the credit bureaus. In reality that was far from the truth. INFINITI reported the payment as a 30 day late payment for XXXX. We disputed it with Infiniti and the credit bureaus and the 30 day late was updated for XXXX. We contacted INFINITI once again on XX/XX/19, Infiniti informed us that the payment should not even report for XXXX instead it should be reporting for XXXX. Now this information have to be updated/corrected to XXXX. We received miss information from an Infiniti Representative therefore, the payment should not be considered a 30 day late payment. We are currently in the process of closing on our first home XX/XX/XXXX and this issue has inadvertently affected us. We have less than 30 days to have this issue rectified.
01/07/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • NH
  • 03842
Web Older American
My name is XXXX XXXX, my mother 's name is XXXX XXXX - We contracted with XXXX XXXX in XXXX. My mum had signed up for auto payments and in XX/XX/XXXX we contacted XXXX that we may need to have some help and inquired about their program. My mum went in for XXXX XXXX XX/XX/XXXX and we thought that her payments were being auto paid. My mum had her bank account compromised and XXXX XXXX XXXX had to change her account. I believe there is where something happened - but we never received a call that her account was not paid and that the car would be repossessed. My mum is XXXX years old. She pays her bills but honestly, I think something fell through the cracks - I called to see what we could do and they wish for us to pay in full. I called to find out why they never contacted us and they said we had a " Do Not Call '' on our contract - That is not true. We never would place something like that on a contract and my mum and I were present together signing this lease. Please help us - as my mum needs her car for dr appointments and she still works.
04/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AZ
  • 85251
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SS : XXXX DOB : XX/XX/1990 Account- Nissan Motor Acceptance Account # XXXX After Moving from XXXX , IL to XXXX , Arizona I recently reviewed my credit report in order to obtain a mortgage on a home and I noticed several inconsistencies and inaccuracies regarding the account NISSAN MOTOR ACCEPTANCE. These can not be accurate. The name on the account is not me. I am XXXX XXXX NOT XXXX XXXX. Also these accounts appear to be furnished by the same creditor so why is all the provided data different? Delete ALL information regarding this account from ALL credit reporting agencies WITHIN FIFTEEN 15 CALENDAR DAYS you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature on it- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE IMMEDIATELY
10/30/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • VA
  • 23294
Web
NMAC Charging adding additional fees to final payment amount. I used to get montly bill for payment XXXX $ they charged XXXX $ and while i'm trying to purchase vehicle and called customer service around XX/XX/2019 got pay off quote for XXXX $ and customer service agent said that I need to pay any extra amount as my lease is ending on XX/XX/XXXX and I have Grace period of 10 days till XX/XX/2019 with out any extra fees I can return or purchase the vehicle. On XX/XX/2019 when dealer got pay off quote for purchase they increased to XXXX $ and says the previous quote is valid till XX/XX/XXXX. After talking to customer rep XXXX she says it is extra taxes and she disconnected my call and I called and connected to XXXX and he says it is interest rate charged for next month. He tries to argue I need to pay extra amount they can't do anything. Every representative gives different prespective for extra charged amount. They are fishy and they don't stand on words they speak on phone. Each representative has different context on extra billed amount.
10/09/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • MA
  • 01581
Web
I have been having multiple uses with Nissan/Infiniti Finance. They have reported multiple late 's on my credit report that were no accurate. They have removed XXXX of the incorrect items, but as of today they have falsely reported me again. I have reached out to their team once again, but each time they do this I have to spend weeks trying to correct. On XXXX XXXX 2015, I made a full payment and their bill matrix billing system did not give me full credit for my payment and again they marked me late. This is separate incident from the previously mentioned false reports, but nonetheless is another issue I have had to deal with. Their customer service team is extremely poor mannered and have absolutely no intention of every resolving any issue. I have had a Supervisor as me to provide evidence of payments made, after providing them with their requested information they still did n't fix the issue. In my opinion this is the worst leasing company I have every dealt with and I will never lease another product from XXXX or XXXX, period.
07/13/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • PA
  • 15122
Web Servicemember
I was struggling towards the end of my lease with Nissan Motor Acceptance Corporation. I had forgotten to pay some fines and my license got suspended and I was in between places so I didnt get the message. I get pulled over and my car impounded. I call Nissan and inform them that I was having issues and I know Im 2 months late and this will be the third but Ill be able to pay them a week later on payday. They say its not a problem. I pay to get my license restored and my car out the impound with the money I had to pay NMAC with. When I get up to drive to work for the first time in 3 days my car is gone and the police inform me that it was repossessed. I call NMAC and they say since it was so close to the end of the lease they arent willing to take a payment at all and that the car will be auctioned off. They auctioned it off at far lower value than it was worth and Im stuck with a nearly {$9000.00} debt for a car I no longer own. The collection practices by the debt collector have been very persistent. Almost to the point of harassment.
04/18/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • MA
  • 01803
Web
I had a lease with XXXX that started in XX/XX/XXXX for 40 months. In XX/XX/XXXX, we have made a payment through XXXX XXXX XXXX, but apparently it had not gone through. I am not sure if they have called to remind me of being late, but I always check my voicemails, and they never left me one. Once I discovered that was late I made a payment right away. When I realized that the account was reported to the Credit Bureaus as delinquent ( my lease had matured by then and I had told them that I would not be getting another XXXX ), I called them and tried to straighten it out. They were extremely rude and unsupportive. I filled a couple of claims with XXXX, but not successful. I have never been late with XXXX or anybody else ever, my credit score has always been high and this negative inquiry is really affecting me now. I also feel very disappointed when there is a " he says, she says '' kind of situation, that XXXX would take the side of the large corporation rather then the consumer!!! I really appreciate your help on this matter.
12/11/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CT
  • 06450
Web
This was a 39 month lease with XXXX XXXX, opened on XXXX. Car was returned around XX/XX/XXXX. I had no late payments, however, Nissan decided to charge me {$7500.00}, for car details. The XXXX XXXX that I leased was recalled by Nissan for defective acceleration & defective breaks ; yet Nissan never notified me while I had the car. The account is over ten years old, therefore, it needs to be removed from my credit report agencies. Nissan closed and charged off the account in XX/XX/XXXX. They transferred the account to XXXX XXXX XXXX which is a Nissan sister company. XXXX XXXX posted imaginary payments for the last 24 months and updated and changed the account status from closed to open and in good standing. However, the balance never goes down. The monthly payments allegedly made are for {$410.00} x 24 months = {$9900.00}, which makes no sense. Since the balance never went down during the 24 month period. They are trying to show that I updated the account before the 7 years limit so that the account will never come off my credit report.
11/05/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AZ
  • 85374
Web
Nissan Motor Acceptance Corp ( aka NMAC ) has incorrectly reported a 30 day late payment to the XXXX major credit reporting agencies purportedly for the Month of XXXX 2015. This 30 day late payment reflects on my credit report for the month of XXXX. In a conversation with NMAC Representative XXXX XXXX on Thursday XXXX XXXX, 2015, she referenced the account and acknowledged that NMAC records show that the XXXX 2015 payment was received 28 days past the due date on Friday XXXX XXXX, 2015 but did not credit the account until Monday XXXX XXXX, 2015. She further acknowledged a potential lag time as a result of NMAC 's then XXXX-party payment processing company XXXX, XXXX. In a letter from NMAC dated XXXX XXXX, 2015 they incorrectly make reference to the XXXX payment being received XXXX XXXX, 2015 ; Again, this is not accurate information - NMAC records show that payment was in fact received 28 days past the XXXX, 2015 due date on XXXX XXXX, 2015. This credit reporting practice is not in accordance with the Fair Credit Reporting Act ( FCRA ).
03/21/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • TX
  • 76179
Web
I continue to be overcharged on my monthly payment by {$27.00}. Rep states they need the XXXX County Appraisal Districts Affidavit, which I have filled out and have had notarized, then mailed to them via certified mail four times since XXXX, 2016. Then, my next statement shows the {$27.00} overcharge again. I was told each previous time that the charge would be reversed and a credit to my account would appear. Never happens. I have spoken with multiple supervisors and have gotten nowhere. These people have no regard or respect for their customers time as I sit on hold over and over again, spending 30 minutes or more just to speak to one person, then get transferred multiple times, starting the process all over. Today, after 45 minutes just to get to a " supervisor '', this " supervisor '' hung up on me. This is the WORST company I have ever dealt with and I will never buy or lease another car from them. Very unprofessional and the worst customer service ever. If I have a signed contract, they can not continually overcharge my account.
09/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • MD
  • 20619
Web Servicemember
On or about XX/XX/2021, I had an extension applied to my account to defer the XXXX payment for Nissan Motor Corporation which would cover my XXXX payment, so doing this I had a payment return of {$470.00} because at the time we needed that money back and I was never contacted or told that because the payment was returned the extension was canceled ; this caused me to have a missed payment and go directly on my credit report which at the time is significant and we were close to owning a home but because of this inaccuracy it has delayed us in buying a home. When I talked to Nissan they said to contact you to get this removed so we can purse this action. This caused my credit score to drop to XXXX and not the XXXX to be able to close on my house. I would like this investigated and removed from my credit ASAP. Once i knew it was late I immediately paid the requested amount. To this date if i have been late on a payment I had requested an extension and never had been late on this account, please see account history attached. Thank you!
07/20/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • TX
  • 77612
Web
I recently traded in a Nissan automobile and purchased a new one. During the trade in / paperwork transition the company billed me and deducted a payment from my checking account on the vehicle I traded in. It was in the amount of {$740.00}. They told me on XX/XX/2020 that they would mail me a refund for the overpayment of the above amount. To this day I have yet to receive my refund. I have made numerous calls to Nissan Finance in XXXX Texas and been told various stories. I have been told they sent me a check on XX/XX/XXXX, ( I never received it ). I have complained and asked for my money which is long overdue. I feel they are fraudulently withholding my money. I get a different person each time I call. I have been told they are sending me my check via XXXX overnight, Ive been told another check was sent XX/XX/XXXX and XX/XX/XXXX. I am beyond frustrated and feel the company is being deceitful. This is the fourth Nissan I have purchased and financed with Nissan Finance. They have my address. There is no reason for this to continue.
11/23/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33716
Web
In XX/XX/XXXX & XX/XX/XXXX prior to doing a voluntary repo for my XXXX XXXX XXXX, I had several telephone conversations with XXXX XXXX department discussing the pros & cons in returning my car. I was told this return would be listed as a voluntary as long as I return the car to a local Nissan dealer, also incurring NO additional charges or fees. And any balance due would be written off as a loss. Nissan is reporting this on my credit bureaus as a charge-off ... not a voluntary repo/ loss which affects my credit tremendously. I have a decent score ... but each month the supposedly balance written off as a loss is showing as a charge-off monthly. I currently will be homeless in 3 weeks because no one will accept my credit showing a charge-off. Nissan refuses to list my voluntary repo as so or as a total loss written off. I have submitted several disputes with the credit bureaus & Nissan refuses to remove the wording Charge Off. Can you please help me to have them correct the reporting issue? They have refused so far.
02/03/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Taking out the loan or lease
  • PA
  • 18840
Web Older American
In XXXX XXXX I leased a XXXX Nissan Rouge for a term of 39 months. I returned the vehicle in XXXX XXXX with XXXX miles under the allowed amount of XXXX miles, and the vehicle passed the end of lease inspection without any damage. The vehicle has since been sold by the dealer XXXX Nissan as it was in excellent condition and had very low miles, XXXX, so XXXX Nissan has made a very significant profit on this lease, as well as Nissan Motor Acceptance Corporation, XXXX. XXXX XXXX. XXXX, Texas XXXX. Recently I received an Invoice for a Disposition Fee plus Disposition Fee Tax for a total of {$430.00} because I chose not to lease a new Nissan or utilize the option to buy the car I leased. After examining the Lease Agreement I found no mention whatsoever of a Disposition Fee anywhere in the paperwork. If I had seen such on the lease agreement I would not have leased the vehicle in the first place. For this reason I 'm asking you to contact Nissan Motor Acceptance Corporation and have this unacceptable fee waived due to non disclosure.
09/15/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 95014
Web
I was leasing car ( XXXX XXXX model XX/XX/XXXX) from Nissan Motor Acceptance corporation. My lease was ended in XX/XX/XXXX. At the end of lease, I contacted them for end of lease instructions by phone. Nissan customer service said they will send Extension of lease agreement, I have to sign, they will give 3 payments waiver. I received mail, i signed extension agreement. As per Extension agreement I did not paid 3 months. Nissan reported to 3 credit bureaus 60 days payment late. I contacted Nissan they credited into my account. But they not responding to my request to Late payment removal. I am unable to rent apartment, employment credit checks, credit card extenions because of credit profile of Late payments from Nissan on my 3 credit bureau proflile. Please kindly help in procedure. I have copies of extension lease agreement, payment history. I was never late as 3 payments are waiver as per agreement, Nissan itself credited themselves these payments then why I am late when payments are waived as per signed agreement. Thanks!
05/28/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • CA
  • 90601
Web Older American
On XX/XX/XXXX, I acquired a XXXX XXXX XXXX in a lease option thru XXXX XXXX of XXXX XXXX California. My lease expired on XX/XX/XXXX so before the expiration date, I applied for a new loan with XXXX XXXX XXXX XXXX XXXX, my loan was approved and they send the check in the amount of {$14000.00} to Nissan Acceptance Corporation, they financed the lease. Nissan received the check on XX/XX/XXXX but they rejected the payment because they say that the check was supposed to be issued to XXXX XXXX XXXX XXXX XXXX XXXX by XXXX XXXX. Until today Nissan Acceptance Corporation has not sent the check to me or the XXXX XXXX and that is hindering the possibility to pay my car, Nissan has retained the check for the payoff of my car for 1 months. XXXX XXXX XXXX XXXX is sending me texts ordering me to bring the car because my lease has expired even though I am making the monthly payments. What I can see here is tha Nissan Acceptance Corporation is playing games so I am not able to pay my car and be obligated to buy a new car. Help me please.
02/18/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • GA
  • 30519
Web Older American
I have been trying since XXXX 2016 to get my deceased husband 's name removed from our joint contract with Nissan Motors Acceptance Corp ( NMAC ). I have documented numerous calls to NMAC, have sent all requested forms to them as instructed, and have made follow-up calls to check on the progress of the change. As of today, XXXX XXXX, NMAC has still not initiated the requested change. In the meantime, I ca n't get anything done regarding the financed vehicle, including renew the license plate. As of XX/XX/XXXX, I am illegally driving with an expired tag. I am a widow, have nobody else to drive me and do n't have an alternate vehicle to drive. I am desperate. In an attempt to escalate my complaint, I contacted XXXX XXXX Consumer Affairs on XXXX XXXX. Today, I received a callback from them. They claim that they have no affiliation or control over NMAC, and therefore ca n't help me. I have exhausted my efforts to get this resolved. NMAC has complete control over this horrible situation and is exhibiting no concern for me.
03/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • KS
  • 66517
Web Servicemember
Someone stole my identity and opened an auto loan in my name with Nissan Motor Acceptance on XX/XX/XXXX, Which I am in the military, United States XXXX and I was on XXXX at that time in XXXX. I pulled my XXXX credit report on XX/XX/XXXX and noticed a charge off amount of {$18000.00} written off with a past due amount of {$17000.00}. Account number XXXX Nissan Motor Acceptance.THIS IS NOT MY ACCOUNT. I contacted Nissan and XXXX about the matter. Nissan and XXXX are still reporting this fraudulent account to third parties which is hurting my reputation to attain credit. After researching, Ive founded that FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : which XXXX has failed to do so. I have provided all information needed to block the fraudulent account but XXXX has not blocked it from my report which is a violation of the FCRA and Im also filing a complaint with the XXXX XXXX XXXX and seeking litigation.
04/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 21286
Web Servicemember
Nissan Motor Acceptance Corporation / XXXX XXXX has for the second time fraudulently reported a 30 day or more late payment on my credit reports for XX/XX/2019. this issue was filed on the CFPB and the credit agencies last month and Nissan has falsely claimed in response to CFPB and to myself that they had made a mistake and that it will be fixed accordingly. I found out recently that they have reported the same false reporting intentionally damaging my credit and costing me much money and my job. Again : XXXX was 28 days, and the payment I made on XX/XX/XXXX is XXXX calendar days from the due date and NOT 30 DAYS. XXXX XXXX XXXX XXXX have a few bad apples in their credit department and they are seeking personal vendettas against many customers, I'm one of those customers. If Nissan fraudulently lies to the CFPB and myself again about acknowledging and fixing this issue and yet playing it under the table to keep on submitting wrongful information they will be sued for damages and reported to the main stream media.
04/21/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • High-pressure sales tactics
  • NY
  • 11590
Web
I was falsely told that Nissan of XXXX XXXX would be unable to provide prices for a new lease unless my credit was run. I am a long time customer of Nissan of XXXX XXXX so I was surprised to hear this. My lease was ending soon and I truly needed a new car. However, my search had just begun. The salesperson and the sales manager both assured me that figures could not be discussed without running my credit and that this is Nissan policy. I explained that this had never happened and I had always discussed figures before my credit was run. As I was comfortable with my 710+ credit score, I reluctantly agreed to the credit check. I then visited other Nissan dealerships who explained that running credit before discussing figures is absolutely NOT Nissan 's policy. I was pressured to run a credit check and feel I have been wronged. this was the first time this happened to me and also the first time I, a woman, shopped for my lease alone. I am wondering if the dealership preyed on me because I was a woman shopping alone.
08/22/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • FL
  • 33426
Web Older American
I was refinancing my Home with a mortgage company. XXXX XXXX had sent me a brochure with a rebate at that time for the purchase of a car. I traded a XXXX XXXX Note XXXX for a XXXX XXXX XXXX. The total cost was XXXX. I was offered 5 years, with a monthly payment of {$600.00} a month. I was told that night by the mortgage company that night that my loan fell through. I was not getting the loan. I went back to XXXX where I had purchased the XXXX XXXX, to return it. It was around XXXX the next day. I was told I could not returned the car. I could not get my XXXX XXXX Note back. This was within 16 to 18 hours after the purchase of the XXXX XXXX. I was told to go to a bank and get the bank to refinance the car, or pay Nissan Motor Acceptance {$4000.00}. towards the XXXX XXXX to have the car payment down, to have the car refinance. I can not make the payment on this car. I am afraid XXXX will take the car from me when I can not pay for it. They wanted to keep my old car and theirs too. This will leave me with nothing.
03/20/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with a trade-in
  • TN
  • 38135
Web
I went to nissian dealership to do a trade in for a truck for my husband. We have bought 5 vehicles from this company. My issue is not with the people working at the dealership on XXXX XXXX in XXXX Tennessee. Mr XXXX XXXX and XXXX did a fine job. My complaint is your XXXX customer service department. They were very unprofessional and did not care about the needs of the customer. When I did call your XXXX number to find out why was I not on the pre approve contract when u sold us the vehicle you specified and said pay for 12 months and bring the vehicle back and purchase another. We paid 22 months and you still did not honor your word. That is false advertising and misleading You do not want to even to correct problem. You left a bad taste in my mouth All you want is money. You lie to people and you give false information. You do not even live up to your name. All lies. I am writing to the president of united states and to let him know how shady your company and you do not handle the complaints you already have.
09/29/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • FL
  • 33473
Web Servicemember
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.
09/25/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • FL
  • 32503
Web
On XX/XX/2021 I sent a request for validation of on a vehicle loan under FACTA section 312 and was sent back the contract and letter with a settlement offer of XXXX. Then I sent another dispute on XX/XX/2021 requesting a UCC DEFICIENCY letter requesting additional information which is attached as well. You can not request me to settle a debt without providing me with the deficiency information informing me Presale Notice, Post Sale Notice the cost and if a letter was even sent to me of the default notice. If Nissan can not provide me with these documents that they sent AT THE TIME, then legally they can not continue to report or collect on this debt. If this is not removed from my report I will next have to file a complaint with my local attorney 's general 's office and take things further if need be. Attached please find the disputes that were sent. Please DO NOT continue to send me a contract agreement this is not sufficient enough to prove that you all have done your part with me as a consumer. Thank You
01/15/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • MD
  • 20602
Web
The payments were becoming to overwhelming to pay every month ; alongside with car insurance, totaling roughly XXXX month. To make matters worse, the transmission had went out ; but i still owed payments on the car. I went to a few car places, some werent able to fix the issue, but one place said that they could. The price that they offered was very outstanding and i couldnt afford it. I retrieved my car, called XXXX XXXX XXXX and let them know i wanted to surrender the car. I dropped the car at a local XXXX dealership ; the representative offered me to buy another car, i refused. The car was putting me in hardship, i thought i relieved some stress by surrendering ownership of the vehicle. Nissan Motor Acceptance picked up the vehicle in about a few weeks ; sold it, sent me a letter stating that I owe over XXXX. Considering that they have sold the car, the amount only decreased about XXXX. Honestly, I think that is too much money that i should be left paying for a car that I do not have possession of anymore.
12/03/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MS
  • 38654
Web Servicemember
Infiniti financial reported me 30 days late in XXXX/XXXX 2020. I contacted the company about the credit reporting of 30 days late. They informed me that they never reported me 30 days late. Despite them denying the fact that they reported me 30 days late in XXXX /XX/XX/2020, my credit report still reflects 30 days late in XXXX/ XX/XX/2020. Also, I filled out a credit dispute on the 30 days late with XXXX, XXXX, and XXXX. My credit reports reflect that dispute was resolved, yet I still have 30 days past due showing on my credit report for XXXX/XX/XX/2020. This issue never was resolved. My credit score dropped over 60 points from this misreporting/ error on my credit report. I'm suffering greatly from this misreporting and have been denied for car refinance loan and debt consolidation loan due because the 30 days past due and my credit score dropping over 60 points. Lastly, I contacted Infiniti in XXXX and XX/XX/2020 via phone and letter. I never received any correspondence from the letter to Infiniti at all.
05/21/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • SD
  • 57107
Web
On XX/XX/2020 I paid my lease off in full. On XX/XX/2020 ( 2 weeks later ) they debited by account for another payment. I called them and asked for a refund and why my account was debited when there was a XXXX account balance. They said they hadn't closed my account yet so it continued to debit account. I explained how crazy it was to debit an account with a XXXX balance. They apologized and said I would have to wait 21 days to get my refund. I told them that was excessive and they said there was nothing they could do. I waited 22 days and then called to get an update and the new person said I had to wait 21 business days and that the reason my account was debited was that it hadn't updated yet to show I had a XXXX balance. The account had been paid off for 2 weeks and their system still hadn't updated it. That's not acceptable. Also I've never had to wait more than 4-5 business days to ever get a refund. With everything that's going on right now who can afford to go without {$450.00} for over a month.
08/08/2015 No
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • NY
  • 11795
Web
I am leading a XXXX XXXX ... .. Unfortunately I had some issue and had to move and my financial situation caused my payments to be late .... I contacted the ... Nissan Motor Acceptance Corporation. ... there # is XXXX ... ..Spoke with XXXX of the gentleman that works her ... I do n't remember his name .... I explained my situation and told him I 'd be paying most of it if not all of it on the XXXX of this month when I get paid ... .. He refused me and tolde I need to pay by the XXXX .... I told him I ca n't do so till I get paid on the XXXX .... He did n't want to hear it ... Now I 'm trying to pay and he is denying me .... I told him I guess you will have to come take the car .... He said fine he will .... Now as far as I 'm concerned I 'm being way over charged on my payments to start out with .... I have a XXXX with absolutely nothing extra ... Very basic and I 'm paying XXXX or month ... .. If they are going to rip me off then they should have the decency to give me till the XXXX .... Please help me
08/28/2019 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30294
Web
On XX/XX/19, I sent certified letters to NMAC ( Nissan Infinity ), XXXX and XXXX. The letters were sent in response of a repo from XX/XX/XXXX. I stated to XX/XX/XXXX and XX/XX/XXXX that they were reporting false and inaccurate information, ie ... no closing date, no Terms listed, monthly payment still showing an amount, etc. I wanted a deletion because of this inaccurate info. I also included in my letter to NMAC that they illegally replied the vehicle from private property, I was never sent an Accelerated Notice, not a Notice Opportunity to Clear or a Post Repo Notice. They have been reporting a balance more than {$9000.00} but when they received my certified letter, I then received a letter a company not legally able to do business in Ga called XXXX, stating my new balance was over {$3000.00} and they were trying to collect from me. I need this account investigation because of illegal and inaccurate practices. XXXX not XXXX has sent me an explanation or anything and its been over 30 days. Thank you.
09/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 13365
Web Older American
i was at the end of lease on my nissan infiniti is denying me credit. they have false information on my credit report. they said i have public records, which on do not. they said in 2018 i had five payments that were late. i went to adirondack bank in little falls ny and the manager a got a print out of the thirty six month schedule, not one payment was late. i sent copies of the true documentation to nissan infiniti and XXXX. not one thing has been done to correct this false and agregeous action by either agency or corporation. this is a total lie and defamation on me .the bank statement clearly shows each payment was on schedule most payments were taking out of my banking account.nissan reports are not the same months as XXXX.which show major discreptions. this is totally unacceptable to do do to any consumer. my credit score is being destroyed.i think that XXXX is very biased on this matter.companies should not be able to put false information on any ones credit report with out severe repucusions
04/03/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • KY
  • 42266
Web Older American
In XX/XX/XXXX I was visiting relatives in South Carolina. During that time I bought a new Nissan at a local dealership and financed it through Nissan Motor Acceptance Corporation ( NMAC ). After returning to my home state of Kentucky I paid off the loan on XX/XX/XXXX. In order to remove a vehicle lien, Kentucky requires Form XXXX to be completed by the lender and returned to the local county clerks office. NMAC refuses to do this. Several phone calls with NMAC has not resolved the situation even though their representatives have assured me each time the appropriate paperwork has been submitted. The last call I requested a copy of the paperwork also be sent to me. This document was received on XX/XX/XXXX and it revealed a simple document titled " Lien Release '' on Nissan letterhead, not the required state form. Another call to their representatives on XX/XX/XXXX revealed they were unaware of the existence of the state form even though I made it clear in previous calls it would have to be submitted.
08/25/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • VA
  • 20171
Web
I lost my job 4 months ago and started receiving Unemployment Benefits last month. I fell behind on my monthly car loan by 3 months. I made a small payment on my car loan this past week in order to try and catch up on my loan. However, Nissan Motors, the loan holder, repossessed my vehicle this morning. I gave them a call and they let me know that I owed 3 months of payment totaling {$770.00}, however, they are also charging me a ridiculously high repossession fee of {$400.00}. They are letting me know that if the {$1200.00} is not payed within 10 days, they will auction off my vehicle and I owe them whatever balance remains after sale. I am more than willing to pay the {$770.00} I owe on my loan payments, however, this extra {$400.00} repo fee they are unnecessarily charging me is going to make it impossible for me to afford getting my car back. I have a few job interviews coming up soon, and I ca n't get to them without my car. I 'm now stuck without a car and without a chance to get reemployed.
04/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NH
  • 03109
Web Servicemember
1 : ) Nissan-Infiniti LT Current Balance showing : {$8700.00} Opened on : XX/XX/XXXX Included in Bankruptcy on XX/XX/XXXX I've contacted XXXX multiple of times to update this account to reflect accurately per federal law. I've " disputed '' this with XXXX multiple of times in excess of 4 times from XXXX up until now, XXXX. XXXX and XXXX has stated this multiple of times : That the data furnisher says that Nissan-Infiniti LT 's reporting is in fact accurate and will remain. Federal Law of these United States of America dictates otherwise according to the FCRA regulation ; also known as : Fair Credit Reporting Agency. Nissan told me they will report it correctly ; however, this did NOT happen. I believe that XXXX 's, Nissan 's and XXXX 's are being purposely negligent and uncooperative and deceptive for reporting these information correctly on my credit report. I have included and gave them the official schedule for my bankruptcy multiple of times. They have failed to yield multiple of times.
07/29/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • NC
  • 27407
Web Servicemember
I XXXX XXXX was in the market of buying a new car. I was told one thing during the time of purchasing the car and after signing of papers and driving off with the car. Going to the bank to have the car refinanced. I was told that the deal that the car dealership gave me was not what I was told. The interest rate is very high to the point that I can't get anyone to help me refinance my car loan. The value of the car is depreciating faster than making the payments and I was told that the trade in was go toward down payment on my new car. But they got my new car and then added a loan onto my car payments for the old car as well as paying for the new one. This is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. DealerXXXX. It was also financed through a company called XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ... .with a 18 percent Annual Percentage rate, Finance charge XXXX, Finance Amount XXXX total of payments XXXX on a XXXX car ... please help me or call me about this matter. XXXX XXXX XXXX XXXX.
10/31/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • FL
  • 33179
Web
My car was repossessed by Nissan Motor Acceptance Corporation on XX/XX/2019 at XXXX XXXX, I called the NMAC right away and the clerk read all the process need to be done and stated If I was able to pay the full amount with a " small fee '' I could be reinstated. I paid for the whole amount on XX/XX/2019 at XXXX XXXX and notified them. Before notifiying them to get their phone number I went to my account and I saw a XXXX Dollars late fee and XXXX Dollars Miscellenous fee. I immediately called them and dispute that muc of towing fee and also indicated to them I was told there will be a small fee. The clerk today said he read the notes and I disputed that yesterday. I told him I dont know what the notes say please listen to the voice recording becuase I was never given a break down of the charges. I also read my contract and there is no amount indictaion of recovery fee. I was supposed to pay 3 months of lease payment XXXX $ late fees and 1 month of lease payment which is due on XX/XX/XXXX
07/31/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • DE
  • 19702
Web
I received call @ XXXX on XX/XX/2019.. the collector asked my for the make and model of the car, I provided the the information and I guess he wasn't paying attention and kept asking me for the correct information. I said I have you that already and advised me that he was speaking to XXXX XXXX and the payment will be there on Friday ... He said I can't document it because he didn't her the unit ... I advised him of the arrangement again, and he stated that if I didn't repeat myself, they will keep calling me calling me ... I repeated the arrangement and then asked for the supervisor.. I explained to her the something, and she refused to document the arrangement. I the received a call at XXXX XXXX on XX/XX/XXXX and XXXX on my work phone XXXX ... for an arrangement that I have to both the collector and the supervisor ... I told them not to call me because the have the arrangement and if they did that I would report the company for harassment ... The response was That is your " discretion ''
03/30/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CA
  • 92584
Web
In XX/XX/XXXX, I became aware of a 30 Day Late derogatory mark on all three of my credit reports ( XXXX, XXXX, XXXX ) on a loan I am the cosigner on held by XXXX XXXX XXXX for the month of XX/XX/XXXX. The loan was paid on XX/XX/XXXX in the amount of XXXX dollars before the due date of XX/XX/XXXX. I alerted XXXX ( XXXX XXXX XXXX ) of this error on XX/XX/XXXX via their live web chat customer service portal. The agent explained that there was nothing he can do, because XX/XX/XXXXhad 31 days in the month the payment was still late despite the actual due date on the mailer being XX/XX/XXXX. I explained to the agent regardless of XX/XX/XXXX having 31 days in the month that the payment due date on their mailer stated XX/XX/XXXX due date, as long as the payment was submitted before this date the derogatory mark should never have been placed on our credit report. The agent held firm to his position which is why I have engaged the CFPB to assist me in arbitration with XXXX ( XXXX XXXX XXXX )
05/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NV
  • 89128
Web Servicemember
My XXXX XXXX XXXX model was smashed into while I was towing it during a move from XXXX to XXXX XX/XX/2018. My Vehicle was then declared totaled by XXXX my insurance carrier in XX/XX/2018. XXXX worked with XXXX XXXX ( at fault drivers insurance ) and Nissan Financial from XXXX toXX/XX/2018 to determine the payout amount. In XXXX XXXX paid Nissan Financial aka NMAC close to {$11000.00}. I didnt have GAP insurance so I had to pay the balance about {$1600.00} to NMAC in XX/XX/2018. The vehicle is paid off XXXX balance. NMAC is reporting a missed payment on my credit report in XX/XX/2018. I have disputed it with all three credit bureaus numerous times with negative results. I have called NMAC and they refused to change it on my credit report. Im a XXXX Veteran and I can not use my VA loan to purchase a home in XX/XX/XXXX because this one missed payment error destroyed my credit score. Please help me with correcting this error and have XXXX take it off the three credit bureaus. Thank you.
10/29/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • GA
  • 30044
Web
Nissan Motor Acceptance Corporation rewrote my loan in XXXX XXXX. I had to send my signed contract and payment to them by XXXX XXXX, XXXX. I did as directed. XXXX XXXX I was getting calls from collections saying I owe a past due of XXXX and I was told my loan was not rewritten. After speaking to XXXX different people it was determined that my contract was thrown out cause I sent it with the money order. But the contract told me to do so. I was then sent a new contract and had to return it by XXXX XXXX, XXXX with my XXXX payment. I did so even though they started the contract from XXXX instead of XXXX. Now I 'm being told that I have late charges and balance due since XXXX XXXX. XXXX has also reported me late since XXXX when I 've been on time based on the contract. I called the company 4 times in the last XXXX weeks. XXXX mamager said she will call me in XXXX hours after research is done, I was a week and was another XXXX kept me on hold for XXXX + min and no one called me back yet.
12/02/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • SC
  • 29730
Web
I went to XXXX XXXX XXXX on XX/XX/XXXX and traded my XXXX XXXX XXXX for a new XXXX XXXX XXXX. I completed all paperwork and left the dealership. I then recieved a call from XXXX XXXX on XX/XX/XXXX that I was behind on my lease and that I needed to bring the car into the dealership. I then advised XXXX that I had traded the vehicle on XX/XX/XXXX. They explained that there was still a balance on their end and they needed the car paid off or returned. I then proceeded to call XXXX XXXX XXXX who said that XXXX XXXX has not funded my deal and it was rejected. They told me that I would have to come in and sign new paperwork. I spoke with their assistant GM XXXX and he assured me that they would rectify the delay and also report back to the credit bureau. I was also promised that if there were any extra late charges or overages that XXXX XXXX XXXX would cover. This is still not complete. I received another call from XXXX on XX/XX/XXXX about the payment to payoff the old lease still.
04/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11230
Web
i noticed on XXXX of XXXX a late payment on my credit report, when I contact Nissan Motor Corporation customer service that I never got a bill or statement the representative confirmed with me that their it was a mistake in the system and the bills was sent to a wrong address - XXXX XXXX XXXX when in fact my address is XXXX XXXX XXXX and the representative fixed the mistake, since then my payments were all in time. The time of my call to Nissan Motor Corporation was on XXXX XXXX, XXXX. please check your notes on your system and you will see the record of my call conversation, I confirmed the above again on XX/XX/XXXX of XXXX with representative # XXXX and she also saw the notes on the system. She advised me I should send in all this information to their credit department to investigate the issue and remove the late payment from XX/XX/XXXX since the bill was sent to wrong address. i send a letter to XXXX credit department on XXXX XXXX XXXX and XXXX didn't respond to my letter.
07/20/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • TX
  • 77085
Web
When I first receive the vehicle it was {$630.00} which my husband and I was willing to pay but in the process we had a XXXX XXXX XXXX which that made me laid off in my has been laid off so therefore I we were not able to pay our bills for two months. I then got in contact with Nissan and ask them is there anything that they can do for me they indicated that there was nothing that cant be done that I need to make a payment. And in the process of that me and my husband XXXX and divorce which left me with the mortgage Car and bills and our children that I love so much. I was struggling I then called Nissan to explain my situation they put me on a plan where my car note is put to the back but then a week later someone called me and told me that that process did not go in that I need to pay the remaining balance in order to keep my vehicle I woke up one morning to take my kids to the daycare and for me to go to work and my truck was not there this is the worst finance company ever
09/21/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • MD
  • 20852
Web
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}
08/27/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • MA
  • 01607
Web
On XX/XX/2019 I scheduled a one time payment with Nissan Finance to pay my auto lease. I looked at my bank account on XX/XX/2019, and noticed Nissan Finance took out two payments one was with my authorization one wasn't. I contacted Nissan Finance and explained the situation to them and they stated I had to provide bank statements proving the funds were taken twice which I have no problem doing however, I did not give Nissan authorization to take two payments and was never notified of a 2nd payment that was scheduled. I tried to explain to the chat rep and the customer service rep that Nissan did not have permission and they kept stating that I have to wait 21 days and i'll get a refund in 5-7 business days after the fact. To me this is absurd it was Nissans mistake by taking an unauthorized payment. If Nissan is saying I scheduled two payments I would like proof of this they must have analytics they run in the background to prove I clicked the " authorize payment '' button.
05/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48334
Web Older American, Servicemember
I turned in my Infiniti auto lease in XX/XX/2017. All my monthly payments were made at the time I turned in the car, there was no balance due. Further, I had this Infiniti Professionally detailed costing me {$220.00} prior to turning it in, as I do with all my leases, the car was spotless. The dealer gave no indication anything was owed on this car, because there was nothing owed and I have not received any paperwork or accounting from Infiniti or the Infiniti dealer suggesting otherwise. It should also be recognized that unfortunately some dealerships have a habit trying to charge unjustified fees at the end of leases and blackmail consumers by reporting this inaccurate information to the credit bureaus until the unjustified balance is paid. I am requesting photos all information from Nissan- Infinti LT that would support this phantom fee of {$760.00}. What exactly is the fee for? Documents or photos that may support whatever Nissan-Infiniti claims this fee is for?
03/31/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • AZ
  • 85040
Web
I was never notified as the co-applicant that payments where late. My son XXXX XXXX who has XXXX tried on a number of occasions to resolve this issue. He spoke to representative name XXXX @ XXXX she never offered XXXX any type of alternatives to keep the car. Only to pay the balance in full, he tried on several occasion try to explain to her that he worked for a hotel and during the summer months his hours are cut in half. Because of his XXXX it is hard for him to find work and explain himself over the phone. I wish XXXX would have contacted me about the loan I could have helped solve the issue. Understand XXXX was trying to handle this issue on his own, but when someone has no compassion or respect for someone with a XXXX it is hard. I feel that if XXXX would have showed some amount of concern or compassion for XXXX or valued him as a client and appreciate his business he would still have his car. She never offer to move his past due payments to the end of his loan.
10/03/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • NY
  • 11375
Web
XXXX XXXX claims I am behind on a payment, specifically for XXXX XXXX, when clearly I sent XXXX XXXX of XXXX XXXX, images of each and every payment I have made since the inception of my lease in XXXX XXXX through and including XXXX XXXX. I have paid each month well in advance of the due date. I have also emailed XXXX XXXX images of these checks and electronic payments, all of which have cleared, yet she and XXXX are adamant that I am behind in a month 's payment, and proceeded to hit with penalty fees. I can submit this supporting documents, which my banking representative at XXXX XXXX, XXXX has provided me with. In fact, that representative at XXXX, spent well over XXXX hour on XXXX/XXXX/XXXX on the line, holding for over XXXX minutes, to be hung up by another representative, before ultimately being connected to a XXXX, XXXX XXXX XXXX, who requested the banking images and scans of e-payments. I submitted these to her on XXXX/XXXX/XXXX, yet never heard from her since.
01/11/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • MD
  • 20874
Web
Hi I've contacted NMAC regarding my payment. I've made them aware of the government shutdown effect and have not worked for the past 3 almost 4 weeks. I paid the amount owed for XX/XX/XXXX but somehow hasn't gone through because I haven't received any payments since XX/XX/XXXX. I asked if anything can be forgive being the government shutdown. They mentioned they do not participate in the shutdown and needed to make a payment immediately. I asked if 30 days could be waived because this will effect my credit tremendously, they told the arent able to waive anything and a supervisor told me to contact the three credit bureaus. I contacted all three and they told me it's the creditor obligation to update not the credit bureau. I just want to have some sort of leverage as I've and 800k workers have been effected for this silly shutdown. I would like if they can allow at least an 30 day waiver for XX/XX/XXXX. I will set up automatic payments moving forward. I am desperate
08/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 20772
Web
Hello- I have been mailing letters, calling and emailing and have not received a response. I spoke with a representative in XXXX regarding a settlement letter I received for my account and settled my account with her that day. The amount was {$1500.00}, on XX/XX/XXXX. ( XXXX ext XXXX XXXX XXXX ) It is now XXXX and not only is my credit report not updated to show as settled with no balance due, but Nissan is also stating that they have no knowledge of this because XXXX has not notified them. I spoke with XXXX ( the debt collector ) in XXXX and the lady stated it is showing as settled and sometimes it takes time and if it was not showing by XX/XX/XXXX, to do a dispute with Nissan. I do not like that I was lied to and possibly stolen from. Why would the representative state that the account was settled in full, and simply take my money and never report it as settled. I would not have randomly paid {$1500.00} to just deduct from the balance on my credit report.
09/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 95492
Web
Hi, I need to add documentation to complaint # XXXX. Please help me with this issue. Today XX/XX/2020 I received a letter from Nissan Motor Acceptance Company ( See attached file named NMAC_Letter_091020 ). This letter states that they are unable to locate my account information, and that without more information they would be unable to make any changes to my account. I have attached a letter which I have sent multiple times to NMAC which includes my account information, as well as the VIN number of my vehicle. This is a direct example of harassment by NMAC and I need help to resolve this issue. All I am asking them to do is repair the mistake they made by falsely reporting my account as delinquent to the credit reporting agencies. I am struggling to find housing due to the delinquency on my account and I NEED HELP. Attached is the letter form Nissan, a copy of the letter I have sent to Nissan multiple times, and proof of delivery via registered mail.
06/03/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • CA
  • 91935
Web
An account appeared on my credit report in XX/XX/2020, for a car that I did not purchase. So far 3 payments have been missed and my credit has been damaged. A woman with a similar name to mine purchased a new Nissan XXXX 2020 from the XXXX XXXX Nissan Dealer ( California ), using my name and SS #, for {$40000.00}. I found out when it appeared in my credit report, which is damaged already by this. The Nissan Dealer said it's not their problem and washed their hands. Nissan Finance requested that I file a police report, which I did with the XXXX XXXX Sheriff Department ( where I live ), in order to send me a " Fraud Package ''. I filed a police report, gave Nissan Finance the case #, and requested the Fraud Package 4 times, and the package never arrived. Nissan refuses to send the package thru a different method and refuses to take the vehicle off my record. This is seriously damaging my financial record that was impeccable before this happened.
04/30/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • FL
  • 33579
Web
1. We were in the process of looking to purchase a Used XXXX XXXX XXXX at XXXX XXXX in XXXX, FL. After going through the process and agreeing upon a final monthly payment amount. This is where it went downhill because the dealership is advertising the vehicle for {$31.00}, XXXX ( see attached online ad ) however when they presented the loan offer to us they marked the car up $ XXXX. When I asked them how did the car price increase from {$31000.00} to over $ 41k. The car salesman said it was based off of certain restrictions. I advised him that the online advertising does not state in order to qualify for this price you must meet certain requirements ( which is deceiving and misleading to consumers ). Not to mention, they claim they are paying your trade in off but in reality they aren't because they are adding the trade in value back into the loan at the back end of the loan. Therefore, I feel as though they are violating UDAAP and false advertising.
01/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 11226
Web
To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing. This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed. To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer. If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.
06/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • CA
  • 92707
Web
I purchased a 2017 XXXX XXXX. In XX/XX/2018 my car was reported stolen. I was told by my insurance company " XXXX '' to not pay my monthly bill because they would pay my remaining balance. Because of that I have three/four months of " mispayed '' monthly bills from my stolen XXXX. My insurance ended up paying the value of the car off, and I'm currently working with GAP to cover the remaining costs. However, Nissan Motor Acceptance has no records of files that I need to proceed with paying the remaining costs of my vehicle. GAP and I have contacted Nissan to obtain Vehicle service contracts that employees are not able to find. Because of length in time my remaining balance has gone into collections. Without the forms of Nissan I am not able to process my GAP claim. I also paid for a Vehicle theft protection to First Automotive by southwestRE but when I called them to cancel it for my GAP claim the company said Nissan never submitted their paperwork.
07/26/2017 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • DC
  • 20015
Web
I returned a leased vehicle in XXXX 2017. When I returned the vehicle, I informed the dealer that my address was not current, but he told me not to worry about it. Today, I was contacted by a debt collector on behalf of Nissan Motor Acceptance Company. Because this was the first I had ever heard of any outstanding balance, I requested verification of the debt. The collector told me that they had sent verification but would not tell me to which address they had sent it. She directed me to NMAC. I called NMAC and, as predicted, they had mailed the invoice for a {$400.00} lease disposition fee to my old address. Despite having my email and phone number, NMAC did not try to reach me by phone or email and did not recognize that their mail was being returned. Instead, the first contact I received about an alleged debt was from a debt collector. I am unsure if this has impacted my credit report, but I should not suffer harm because of NMAC 's incompetence.
11/18/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • WA
  • 94129
Web Servicemember
In 2011 I moved to be with my XXXX father, a VA Veteran, XXXX. I moved from XXXX to XXXX NV and informed Infiniti via phone to update the billing address on file. So that the payment would work. Apparently the lady that " helped '' me never completed the address change. Once I got the forwarded late payment notice from the USPS Mail Forwarding I had set up, I paid the payment to the car. I called and asked if they could wave it since it was their fault, the refused. I was NEVER late like that. I pay my bills. I have XXXX % credit utilization. Now this late payment is stopping me from getting a FHA/VA Loan for my XXXX house. I want the late payment removed since I was technically helping a VET, who served his country for 30 years. My dad has since passed and he would want me to stand up for what is right here. DO THE RIGHT THING INFINITI. Remove this 5 year old " 30-day '' late payment on a {$42000.00} car I bought and payed off clean as a whistle.
03/26/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77047
Web
I PURCHASED A LEASED VEHICLE FROM XXXX XXXX XXXX BACK IN XX/XX/XXXX.FAST FORWARD TO XX/XX/XXXX, I WENT INTO THE SAME DEALERSHIP FOR AN OIL CHANGE AND WAS ADVISED THAT THEY HAD A BUY BACK PROGRAM WHERE THEY WERE BUYING PEOPLE OUT OF THEIR LEASES. SO I ENDED UP WALKING OUT THE SAME DEALERSHIP WITH A NEW XXXX XXXX XXXX. WHEN TALKING TO THE SALESPERSON WE TALKED ALL ABOUT GAP INSURANCE AND THE PAYMENTS & I THOUGHT I WAS SET. WELL A FEW WEEKS AFTER THE PURCHASE I WAS MAILED A REMAINDER STATMENT FOR MILEAGE AND WEAR AND TEAR. I IMMEDIATELY REACHED OUT TO XXXX XXXX XXXX TO SEE WHAT THAT WAS ABOUT. I WAS TOLD HE WOULD LOOK INTO AND HAVE IT FIXED. WHICH WAS THE LAST TIME I HEARD ANYTHING ELSE ABOUT THE LEASED LOAN. WELL I AM CURRENTLY IN THE PROCESS OF PURCHASING A HOME AND I WAS ADVISED THAT THE LOAN IS STILL SHOWING CURRENT AND OPEN, WHICH WAS MINDBLOWING TO ME AS I HADNT MADE A PAYMENT SINCE XX/XX/XXXX& THE BALANCE WAS SUPPOSE TO BE TAKEN CARE OF.
06/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75380
Web
I purchased a vehicle new @ XXXX XXXX Nissan, XXXX XX/XX/XXXX. The transmission had to be replaced with mileage less than XXXX in XX/XX/XXXX. This transmission failure left myself and minor child stranded in the middle lane of traffic at one of the busiest intersections in North Texas. ( Nissan Motor Acceptance Corp ) NMAC repossessed the vehicle less than 30 days after the replacement. Sold it at auction for less than % 20 of its value. My credit report shows I owe more than I originally borrowed. My report also reflects payments being made in XXXX, XXXX, XXXX and XX/XX/XXXX. Also, XXXX, XXXX and XX/XX/XXXX which is FALSE. NMAC is dragging my credit score through the mud and the information they are reporting is INACCURATE and Fraudulent! Note : I have paid off 3 Nissans prior to this purchase. My previous Nissan, also purchased new, had to have the transmission replaced TWICE! Nissan makes a XXXXXXXX product and expects you to pay for it.
10/21/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • NM
  • 87108
Web Servicemember
I am having issues with Nissan Motor XXXX XXXX in that they have been contacting me repeatedly, sometimes several times a day, even on Sundays while I'm in church regarding my auto loan. I have indicated to them their tactics are bordering on harassment, an issue which was denied over the phone. Following their last call, a few minutes ago, I indicated that I am immediately going to file a complaint, with you, against them. the dates of their calls include XX/XX/XXXX, XX/XX/XXXX, four times on XX/XX/XXXX, twice on XX/XX/XXXX, three times on XX/XX/XXXX, twice on XX/XX/XXXX, and the one this morning. Each time I had spoken to them, I had pointed out that I only get paid once a month and that I would be unable to pay them until then, to which I was informed " '' they wouldn't be able to wait until then. When i was more recently contacted, they had agreed to my paying them upon my getting paid, at which point I felt this matter had been resolved.
05/03/2019 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MA
  • 02478
Web
Nissan Motor Acceptance wrote the final status on a totaled vehicle that I financed through them as " {$7500.00} written off '' after I paid every penny that was not covered by my auto insurance. Now I had a conversation with them in XX/XX/2018 and during the fall of 2018 as well during which they promised me that once I paid the full balance owed they would remove the charge off status. Now " written off '' and " charged off '' mean the same thing. In other words, they deceived me into paying the full balance owed without removing the charge-off status nor indicating that the full balance was paid off, not Charged off. They lied to me. They need to delete that status ASAP. I can prove every single payment I made through my bank statements, including the final payment that reduced the balance on that account to XXXX. I even called to confirm how much I owed. They misreported this account and they need to own up to it and fix their wrongdoing.
01/03/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • NJ
  • 08857
Web
Have been leasing a number of XXXX cars, my last lease that was over in XX/XX/XXXX. There was a disposition fee of {$390.00} that is paid when the lease is over and is usually mailed to address on record. I never received that letter so I can pay the bill, I have always been on time with them including all car payments for years and all disposition fees if applicable. In XX/XX/XXXX, I received a mark on my credit report saying i have a missed payment. I immediately called them and paid, and also tried for them to take it off the credit report as I never received the letter with the final bill, which I would have paid without a problem. This crushed my credit report and it took me over a year to return to normalcy more or less. I tried again get it removed and XXXX XXXX XXXX said they do n't want to do anything. It is still showing up on my report. Please help. I never missed a payment to anyone since I was XXXX years old, so almost 20 years.
04/14/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NJ
  • 08016
Web Servicemember
I have been one to always stay on top of my debts. I have an auto loan with Nissan that I have never been late on. I paid my account via phone during the month of XXXX, when I called I was advised that I had fallen 30 days late. I stated to Nissan that I was aware that my payment was made on the XXXX day. However, I was told that since the payment would n't post until the next business day I was in fact 30 days late. I explained to the rep, I even spoke to two supervisors who advised me that there was nothing that I can do. I explained that I was a XXXX Vet and that I was juggling two households because I take care of my father under XXXX. I even wrote them a letter pleading my case. That I did n't intend to fall behind, I just let the date get beyond me. This is affecting my credit and my employment because I need a security clearance to perform my job. I am in jeopardy of loosing my job if I do n't get this late pay removed from my credit.
02/19/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with the interest rate
  • FL
  • 34134
Web
I entered into a contract for a 36 month lease through Nissan Motor Acceptance Corporation in XX/XX/XXXX for which I have monthly payments set up through my bank auto-pay feature. On XX/XX/XXXX I logged into my NMAC account to find the payment for next month had increased by {$3.00}. When I called NMAC to inquire about the increase, the representative advised that there were 9 counties in Florida that increased sales tax this year. She went on to mention that my county, XXXX XXXX, increased from 0 % to .05 % which increased my lease payment. I asked the representative whether NMAC contacted me to notify me of the payment adjustment and her response was, " No, this was something that was voted on in your county & not Nissan 's responsibility to communicate. '' This is completely unacceptable. Had I not checked the XXXX site on my own accord & because I have auto-pay enabled for this lease I would not have known about this payment increase.
09/29/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • CA
  • 92108
Web
I buy car form XXXX XXXX new car. Dealer finance thru Nissan Moter acceptance crop. I was paying my on time I am never late, also dealers finance guy insist me buy gap coverage I buy that as he Says if in case car total loss then your insurance company pay value at time of incident car price remains will covered by gap company. I had total loss my car on XX/XX/XXXX my insurance company paid Nissan motor acceptance corp {$15000.00} I owe {$18000.00} estimates. I called gap company to calm total loss they paid only XXXX I have to make additional {$710.00} payment. In this matter I call Nissan financial acceptance for reslut this close as fully paid. Theirs customers service agents Make notes to next team never contact me I feel that Nissan moter acceptance and XXXX XXXX XXXX guy I feel lost tress and cheating and wasting my Time Now I need from Nissan moter acceptance form {$7000.00}. Which covers my tress Next time they dont cheat No once
04/28/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Taking out the loan or lease
  • CO
  • 80126
Web
In XXXX 2015 we agreed to a vehicle lease with Nissan Motor Corp ( dealership in XXXX XXXX CO ), and were told we would have to pay {$400.00} for tires on the vehicle that we turned in due to its lease ending. This was a key part of the deal and primary reason for agreeing to the new lease terms. After closing, we received a bill for {$700.00} for various charges not related to tires. Essentially they told us a lie to close us, then just billed us for whatever they wanted. We did speak with the dealership and they sent us a check for {$300.00} so we would only be liable for the {$400.00} originally agreed upon. The problem is that before this reimbursement was made, the dealership sent the {$700.00} bill to a collection agency, thus causing a negative impact on our credit. My wife XXXX XXXX is the primary and I am the co-signer and this is obviously impacting XXXX our credit scores, and all because of a lie in order to close a deal.
03/22/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • CA
  • 93285
Web Servicemember
On XX/XX/XXXX I submitted a complaint re Nissan and the misrepresentation of a vehicle purchase in XX/XX/XXXX. I submitted the report to you, and then received notification that the issue was closed. You had received a letter from Nissan stating that the entity responsible was XXXX XXXX XXXX XXXX XXXX, ( XXXX ) Consumer Affairs Department and the XXXX XXXX XXXX. XXXX Account No. XXXX. Evidently you failed to read the letter to learn of this information. Accordingly I will re submit the complaint with the additional information. When we were looking to purchase the vehicle, we were informed that the vehicle was capable of the XXXX XXXX XXXX. The salesperson stated this, the website states this, and I spoke with another rep of Nissan and they confirmed it. However, when trying to download the software to enable the service, the website indicated that our vehicle ( by VIN Number ) was not equipped for the Navigation System.
05/30/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • TX
  • 75028
Web
Infiniti Financial Services has reported many inaccurate statements of late payments and early lease termination on several accounts with them. These include Account numbers XXXX and XXXX . I have not been late. Regarding account XXXX , I was in dispute with them direct because they did not validate vehicle insurance when I leased my new vehicle from them in XX/2016 . The lease is therefore void and not valid. Also, they reported I was late in XX/XX/XXXX whe n we were in dispute and they said they would not. They never returned any of my phone calls. They have reported on several other accounts with them. Stating falsely that I terminated lease early when I purchased a new lease from XXXX XXXX in XXXX from Infiniti Finance. I w as never told they would report lease terminated early. They promised to remove all negative account information because I have not been late and I have not terminated any lease early.
02/09/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • WA
  • 98229
Web
We leased XXXX from the local dealer for 2 years and returned it several days before the end of the lease in prefect conditions. The local dealer failed to report on time the end of the lease to Nissan Motors Acceptance Corporation and reported it only 3 month later. As a result of that we have been hit with late charges and late payment was also reported to the credit bureaus. We have found out about that when we applied for the mortgage refinancing and our credit was pulled out. We have all the supporting document with us and both dealer and NMAC admit that the situation was created due to their negligence. However it was already two months since we contacted them and our credit score still not fixed, we continue to receive bills for late payments and nothing seems to be done. Every time we contact them during last two months they promise to fix it ASAP but it did not happen yet. We request your help in resolving this situation.
08/18/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MD
  • 21108
Web
I had an automobile loan with Nissan Motor Acceptance. I madde timely payments for most of the life of the loan. well towards the end of the loan life i experienced financial difficulty. I called Nissan as I was unemployed foir an extended period of time over one year. I was told that i could defer payments for up to 4 months and request this separately for each month. i lost my job as i needed to go on XXXX leave. with a XXXX my job at the time let me go to avoid XXXX payment. in any event i needed to defer my payments. XXXX granted them however they repossessed my car during this deferment i had only XXXX payments of XXXX left before the car would have been paid off. they added repossession fees and interests and sent me to collections. at the time i was XXXX and finances and did not know how to dispute this. please investigate and resolve. my credit is ruined with the reposession and the car is gone and it was almost paid off.
07/21/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • GA
  • 30005
Web Older American
I have a 39 month lease that terminates in XX/XX/XXXX. All payments are up to date and the account is in good standing. I no longer need the car. In XXXX of XXXX, I listed the vehicle on the nationwide lease exchange known as " Swap a lease :. This site advertises for individuals to take over the lease. I have had no less that 20 offers to take over my lease. Unfortunately, Infiniti Financial Services - a division of Nissan Motor Acceptance has issued only 1 lease transfer. It took almost 6 weeks - when they finally did issues the paperwork, the buyer had moved on to another vehicle. Dealing with Infiniti customer service is a joke. They outright lie to you. They mis-represent and ( in my opinion ) have no intention of allowing me to transfer this lease to another individual. I keep paying every month for a car I am not using. Infiniti has no incentive to help me. I have no leverage - except to file a complaint with this CFPB.
09/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37421
Web
I already reached out to the credit bureaus ( XXXX XXXX and XXXX ) and to NISSAN MOTOR and notify them of their error posting for this account. The information they provided is different from other bureaus. The Date of Last Activity, Payment status, Payment History, High Credit, Date of Last Payment and Date Open are misleading and inaccurate. In addition, A charge-off should show a XXXX balance. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof. Then I found out that the issue still persists, I just had to escalate to CFPB.
10/31/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with a trade-in
  • GA
  • 30052
Web
I purchased a brand new XXXX XXXX XXXX from XXXX XXXX XXXX in XX/XX/2015. My financing is through Nissan Motor Acceptance Corp. My total purchase was {$28000.00} with 18.81 % interest and I have already paid {$19000.00} with only {$4600.00} going toward my principal balance as of today. So my current pay off balance is {$24000.00}. I agree that I did sign the contract because Everything was moving fast, the dealer did not take time to go over the documents, it literally took 10 minutes for me to sign all the paperwork. I feel like I was taking advantage of. I was approved for this loan with a credit score in the low 500s, {$500.00} down making {$40000.00} a year who rented and had XXXX small children. I was a prime target to default on my loan and potentially lose my car and ruin my credit. The dealer nor the bank even asked for proof of income. FYI I SUBMITTED A COMPLAINT UNDER MY MARRIED NAME THAT WAS CLOSED FOR THAT REASON
03/01/2017 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • CA
  • 90049
Web
I had a lease with Infiniti Financial Services for 36 months - always paid on time. At the end of the lease I extended it in order to make repairs to my car and was told I would receive a bill when I turned in the vehicle. I called their customer support a few times to verify this was correct since my auto-pay had stopped. 2 weeks ago I checked my credit score and saw it had dropped from XXXX to XXXX and there was a late payment notice on my account from Infiniti Financial Services. I called them and complained that they never sent me a bill or contacted me and they should immediately remove this incorrect report and also send me a bill. They said since the car was just turned in it would take 4-6 to receive a bill. I asked how come they reported me as late if the bill did not go out. They did not have an answer. I asked for proof that they sent a bill or that they were going to remove the incorrect reporting - they refused,
06/12/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33948
Web
I received a letter from a debt collector, stating that if I paid 35 % of my total debt it would be settled and paid in full. 7 days later I paid the settlement amount. I received a written letter from the debt collector stating my account had been settled in full a few days later. Months has gone by, and they have only reduced the settled amount from the original amount owed, instead of bringing my balance to XXXX. I have disputed it and provided all the proof to equifax, and they told them the balance reporting is correct, which is false because it should bring my balance to XXXX which again I have proof in the debt settled in full letter from the collector. Now, since I paid the settled amount, the original grantor is reporting my account as delinquent every month, hurting my credit. The whole point of me paying the settled amount was to help my credit. They are definitely not allowed to do this and it is not fair to me.
05/03/2018 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • CA
  • 94579
Web Servicemember
I was sued by investment retrievers for a debt that was not mine but was not able to afford a laywer so I lost. They have been attempting to collect the debt owed by a judgment. They have enforced it by seizing my property. The problem I have is there threats I know legally they can do this but I dont think they can tell me things like Ill have your CA state XXXX lic. Revoked and youll be calling me back begging to pay your debt. They are very rude on the phone and have threatened my livelihood of me and my family. They have many times said they were going to do things to me that later on I find out they cant do. I just think its a shame that they have a judgment against me and they have to resort to theses tactics. Im a XXXX veteran with an XXXX XXXX and this is too much. I know they are enforcing a debt owed legally but can they really threating me with things they cant do and threaten me and my families livelihood.
03/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 19079
Web
XXXX show up on my credit history ( XX/XX/XXXX) XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXXXX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXXandXX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit. Nissan Motor ( XX/XX/XXXXXX/XX/XXXX ) do not have any knowledge of this inquiry it should only been one inquiry which it was on the XX/XX/XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX ( XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX) do not have any knowledge of this inquiry XXXX XXXX (XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX ( XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX) do not have any knowledge of this inquiry
02/01/2017 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • NC
  • 28212
Web
On XX/XX/XXXX I leased a car through Nissan. XX/XX/XXXX my car was stolen and involved in accident. When I called my insurance I was informed that I only had liability and the car was n't fully covered. When getting the car the salesman told me that he called my insurance company to verify my insurance and told me I was good to go. I have a paper where he said he called, but my insurance has no record of him calling. The finance manager then went on to fill out the lease agreement as if I was fully covered and signed the contract. I feel I was mislead and lied to. By North Carolina state requirements the dealership is required to call to verify the purchasers insurance. If in fact he did call then this would n't be an issue. The General Manager told me that they do not have to check customers insurance and that if you show them an insurance card that they assume you are fully covered ( I find that hard to believe ).
04/10/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35242
Web
Dismissed bankruptcy in XXXX that included an account with NMAC for a XXXX XXXX XXXX. Contacted NISSAN to try to negotiate to keep the vehicle around the time of the dismissal but wasn't successful and agreed to surrender the vehicle to my local Nissan dealership. Was told they would contact me once they had possession of the vehicle. After a few weeks, didn't hear from them, reached back out and was told they didn't know the vehicle had been surrendered and once they have possession, they would reach out with balances, redemption amount, etc. As of XX/XX/XXXX - nothing and I assume the vehicle has been sold now as I have an entry on my credit report for {$15000.00} owed to NMAC. This is really hurting my ability to obtain anything. According to Alabama Law, I was to receive an opportunity to redeem the vehicle and/or a post-surrender notice, none of which I have received. I have contacted NMAC via a demand letter.
06/18/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • NY
  • 10308
Web
I recently returned my XXXX XXXX leased truck and leased a XXXX XXXX leased truck. I did not receive my first bill so I called them XX/XX/XXXX and was told they won't take the payment on the phone but will send me another bill. On XX/XX/XXXX I received the bill and immediately paid it via my bill pay on my checking account for {$710.00}. This covered XXXX and XX/XX/XXXX. On XX/XX/XXXX, Nissan repossessed the truck stating they did not get the payment. I learned today it was applied incorrectly to my closed XXXX XXXX account and their system was not able to transfer the monies to the XXXX XXXX account. I now have no vehicle and they want {$1600.00} before releasing it from the towing company. This was a clerical error and I have been a loyal customer for over 10 years. My account number is XXXX. I can be reached at XXXX. Any guidance or direction you can provide would be greatly appreciated. Thank you, XXXX XXXX
09/08/2020 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 90292
Web
Please be advised that after numerous phone calls to Nissan Motor Acceptance Company and Infiniti Financial Services requesting that they cease phone call to my place of employment, they continue to call. Due to COVID 19 workplace restrictions, I am not at liberty to provide you with the specific dates and times that I have contacted Nissan Finance and Infiniti Financial Services as my call log notes are in my office and I am not able to enter the building until the Governor for the State of California lifts the stay, however I made my initial request early in XXXX and have called 3 or 4 times since only to be told by customer services reps that they " don't see my work number in their system ''. I have multiple voicemails records on my office line that I can provide to you for proof ( via screenshot, if necessary ), but the most recent calls/voicemails were made to my office on XX/XX/XXXX and XX/XX/XXXX.
02/07/2019 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CT
  • 06237
Web Servicemember
On or about XX/XX/2019 I was contacted on my home phone by someone claiming to be from Nissan, an auto lease that I had while on XXXX XXXX. This car was repossessed and given to creditor willingly. Payments we not made due to severe automotive accident with XXXX. Personally was not aware of my responsibilities. I explained this to the company at that time. On the above date I was called by the company being told if I dont pay them the total amount due in a lump sum they will sue me. I am a non working XXXX veteran. This was explained to the creditor they told me the didnt care I had to pay them in full that day or they would sue me. They also stated the would take my income until the debt was paid. Upon hanging up on the called I called the credit back. They claimed that they could do what they want to get their money. So what if you are a XXXX veteran. The tactics of this debt collection is extremely rude.
01/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19149
Web Servicemember
Please send the following information used to verify the validity of [ Manually type in the items you're wanting them to describe, i.e. ; identify item ( s ) by the name of the source, such as creditor or tax court, and the type of item, such as credit account, judgment, etc. ] : The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
09/12/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • VA
  • 23294
Web Servicemember
Signed the loan paperwork for new vehicle at Nissan of XXXX on XX/XX/19, was approved for a loan and at 6.9 % APR. While finishing up paperwork employee called me a " breeder ''. On XX/XX/19 dealer asked me to come in a get my copies and plates for car. Got there and was told my original approval was denied and they had to finance me with Nissan. Said I would not leave with car if I didn't sign new loan agreement. I also asked to see the denial letter from the first bank and have yet to receive it. I also asked if I could simply return the vehicle and was told yes but it would be a voluntary repo and would severely effect my credit score. I have asked to speak with their General manager several times and owner with no response. Dealership has not paid off the trade in either after almost a month of the sale/trade in. The finance department has been rude, nasty, and terrible customer service the whole time.
03/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20721
Web
I was the owner of two XXXX Nissan XXXX 'XXXX Both were Totaled due to accidents One was totaled in XX/XX/XXXX and the other in XX/XX/XXXX The vehicle totaled in May still shows a balance on my credit report of {$1500.00} When I contacted Nissan for them to prove the Debt they told me they would not provide any information and keep sending me to a collection agency whom also can not prove the validity of the Debt Furthermore when a new car was purchased the new dealership rolled any negative equity into the new loan payment and also a large cash deposit was made to reduce the negative equity I have never received any information from Nissan proving the validity of the {$1500.00} debt owned to them on my credit report NMAC ACCT # XXXX VIN # : XXXX {$5700.00} WAS PAID TO NISSAN MOTOR ACCEPTANCE IN XX/XX/XXXX I have contacted Nissan several times and they will not provide any information to verify the Debt
05/21/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • PA
  • 15217
Web Older American
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.
09/29/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • NC
  • 27235
Web
On XX/XX/2018 we went to XXXX XXXX Dealership in XXXX XXXX, NC to buy an XXXX XXXX. I have a credit score of XXXX and was immediately approved for a loan. During that time XXXX was running ads on television for a 0.9 % financing on new vehicles. So we were prepared to finance the loan until they presented us with an interest rate of 3.9 %. On insisting why, they explained that because we got deep discounts on the vehicle, they could not give us financing at the advertised 0.9 %. We bought the vehicle cash cause WE NEEDED one for my parents. I'm reporting this to the CFPB so that you folks can investigate on why this is not made clear when XXXX runs advertisements on television. We bought the car for a total of {$42000.00}. Our plan was to payoff our current debt on another car so we could pay a lower interest rate. Now we are still making payments on the old car. COMPLETE MISLEADING ADVERTISEMENT!!!
02/26/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • GA
  • 30079
Web
In XX/XX/2019, I changed the registration of my vehicle from South Carolina to Georgia. My lender, Nissan Motor Acceptance Corporation, has a policy that requires borrowers to obtain the title through a third party - XXXX. The XXXX XXXX Tax Commissioner would not allow me to obtain the title in that manner. The Tax Commissioner claims that they handle thousands of title changes and the lender always cooperates with their process. The lender will not cooperate with me, and will not even provide a response to the tax commissioner as to that fact. This lender needs to conform its policies to adhere to state and local laws regarding vehicle registration. Additionally, there needs to be resolution as to how many borrowers were able to register their cars by cooperating with the tax commissioner and how many were required to use XXXX. It can not be one way for some people and another way for other people.
08/26/2016 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • LA
  • 70068
Web
I obtained a copy of my credit file around XXXX 2016 and filed a dispute through the credit bureaus against XXXX XXXX XXXX and Nissan Motor Acceptance. Once bureaus investigation was completed it came back the information disputed with XXXX XXXX XXXX was verified, no change and Nissan Motor Acceptance as new information. In receipt of this information I sent XXXX and XXXX a letter of stating : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. XXXX XXXX XXXX than replied with a letter saying they received my dispute for verification and to be advised that XXXX XXXX XXXX confirmed the name and address listed on the account as well as the amount due. Nissan Motor Acceptance has not responded to my request.
11/11/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • NC
  • 27235
Web
On XX/XX/2018 we went to XXXX XXXX XXXX in XXXX XXXX, NC to buy an XXXX XXXX. I have a credit score of XXXX and was immediately approved for a loan. During that time XXXX was running ads on television for a 0.9 % financing on new vehicles. So we were prepared to finance the loan until they presented us with an interest rate of 3.9 %. On insisting why, they explained that because we got deep discounts on the vehicle, they could not give us financing at the advertised 0.9 %. We bought the vehicle cash cause WE NEEDED one for my parents. I'm reporting this to the CFPB so that you folks can investigate on why this is not made clear when XXXX runs advertisements on television. We bought the car for a total of {$42000.00}. Our plan was to payoff our current debt on another car so we could pay a lower interest rate. Now we are still making payments on the old car. COMPLETE MISLEADING ADVERTISEMENT!!!
07/18/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Termination fees or other problem when ending the lease early
  • CA
  • 94111
Web Older American, Servicemember
XXXX XXXX a XXXX year old man went in to Nissan to purchase a car and was talked into a lease. Not quite understanding, he thought he was purchasing the car, therefore, he grossly overpaid the contract. XXXX XXXX was asked to return the car back to the dealership under the guise they could get more money in the sale. Without speaking to XXXX XXXX and providing the amount the car sold for, Nissan turned him over to a collection agency for some outrages amount. This is the second complaint we have made to this company regarding Nissan Acceptance Corp, the first one was rejected by Nissan as they had no authorization. Please be assured one is attached along with the supporting papers of the customer being taken advantage by Elder Abuse. While securing the authorization, we had a chance to research prior complaints which seen to be in abundance and concentrated on the elderly..
08/03/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • GA
  • 30135
Web Older American
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX And : Nissan Motor Acceptance Corporation XXXX. XXXX XXXX XXXX, Texas XXXX In XX/XX/XXXX, I purchased a new XXXX XXXX from the XXXX XXXX dealership and financed by Nissan Finance. There were faults with the front-end, which posed a danger to my life as well as my family. On at least three occasions I returned the vehicle for corrective actions but no sincere actions were taken to fix the problems. During the Covid-19 development in XXXX XXXX, and the need for a safe vehicle, I was forced and confusingly given a more costly XXXX XXXX ( new XXXX ) vehicle. This entire misleading transactions left me with a high balance of {$45000.00} plus and an interest rate of over {$500.00} monthly. This type of negligence and deliberate breaking of the Arbitration Agreements have damaged me financially and the company must be held accountable.
09/08/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • AZ
  • 85142
Web Older American
Hi. I purchased a new XXXX from a dealer on XXXX XXXX, XXXX. It was 72 month 0 % loan. First payment was due XXXX XXXX, 2015. I had also purchased an extended warranty on the car for {$1500.00}. Several weeks after the purchase I decided to cancel the warranty. The {$1500.00} was credited to my account on XXXX XXXX and my first payment was too. Since I am retired and on a fixed income ( SSN ) I wanted to lower my payment. XXXX says it can not alter the contract and can not change the payment, only shorten the time the loan is paid off. Is n't that altering the contract? It seems to me that they are altering the contract to meet their needs, not mine. I would like the new amount amortized over the remaining 71 months ( term of the contract is 72 months ). Anything you can do would be greatly appreciated ... sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX XXXX # XXXX XXXX XXXX XXXX
05/14/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • GA
  • 30263
Web
My payment is due on the XXXX of every month to Nissan Finance. On XXXX, XX/XX/XXXX, their system told me that I owed not the {$450.00} monthly payment, but twice that - {$900.00}. They claim that because the XXXX was a Sunday and because they do not process on the weekends and because I had not paid by the preceding Friday, their system told me that the current payment - due XX/XX/XXXX - was late and then included the payment for NEXT month and so it claimed I owed {$900.00}. Again, this was on XX/XX/XXXX for a {$450.00} payment due XX/XX/XXXX and it was doubling what I owed to {$900.00}. So in the " Amount Due '' they were including a payment not due until XX/XX/XXXX. None of this is hard and I actually have a 10 day grace period on each payment, so they should not be acting like my next payment - due in 30 days - is part of the amount I currently owe. In fact, I believe it may be illegal.
10/21/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • VA
  • 23047
Web
XX/XX/2019 a letter from Nissan Corporation was sent to me for a past due balance of {$820.00}. I called them on XX/XX/2019 and an agent told me to pay {$150.00} to stop repossession, so I did that day. The following week of XX/XX/2019 I made a payment of {$650.00} towards the past due balance. Then another payment of {$420.00}, in which they told me I was caught up on my payments. Then on XX/XX/2019, made a payment of {$400.00} to try to keep my account current. The only payments I've missed were XXXX and XX/XX/2019. And were making partial payments due to employment issues. Now they're saying that I'm {$2000.00} behind once again! I've written to the FTC and to corporate about this problem. Lately they've been threatening to repossess the vehicle and harassing me through email for monies so called owed. All this after I've written a letter to them clearly asking them to stop harassing me.
04/08/2021 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • CT
  • 06516
Web Older American, Servicemember
I have had numerous instances of 3 to 5 calls a day the only info that comes up on my phone is their phone number ( XXXX ) XXXX. There is no corporate identification and they NEVER leave a message..NEVER ... But Nissan is quick to report me to the credit agencies ... I believe that they want me to be late so that they can collect the {$5.00} late fee ... I was called today ( XXXX ) and the service agent that called did not see that I had paid the late balance and they tried to get me to pay again. These people are inefficient, immoral and possibly illegal in their business practices. They must change how they collect past due amounts. And, I am set up for electronic statements and here again, I NEVER get a monthly statement from this company. For my benefit and for the benefit of all of the people who have been hurt by the eventual report to the credit agencies, please make them change.
07/26/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • WI
  • 53215
Web
Refer to Case number XXXX I sent in a complaint regarding XXXX XXXX with a car loan. Last week I found out that Nissan of XXXX XXXX, Wi put through 10 banks for the loan on the credit bureaus which 9 of the loan requested was denied. So I have 9 rejections on the credit bureau that wo n't clear for 2 years which will bring my credit rating down. They should have told me the loan was rejected in the first place instead of trying every bank in the state. This was uncalled just so they can get there commissions and who cares how much damage I do to the customer. Also my brother XXXX XXXX was supposed to be the owner of the vehicle and I was suppose to be the co signer on the loan which never happened. But also they tried to put XXXX credit through 6 banks which was rejected so 16 times they submitted our credit to several banks which was all rejected except one. This is totally uncalled for.
03/31/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • PA
  • 19342
Web
I always pay my auto loan online using my credit union 's online bill pay feature. For that reason, I never open the bill envelope from Nissan Motor Acceptance Corporation because I 've never paid by mail. NMAC I just found out has been charging me a {$22.00} late fee each month for years now because I paid past the XX/XX/XXXX of the month. This is wrong for many reasons. No mortgage company ( which essentially the NMAC is ) ever applies a late fee until at least two weeks into the month. To apply a late fee for paying past the 2nd day of the month is unheard of in the mortgage industry. For that reason, I am asking that they refund all of the late fees they charged me plus the interest that accrued on those fees. I have never missed a payment nor have I ever paid past the XX/XX/XXXX of the month ( perhaps only a couple of times ). So their late fees are simply outrageous and fraudulent.
08/15/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • AL
  • 36606
Web
I leased an automobile through Nissan-Infiniti LT. The lease was serviced by Infiniti Financial Services. I turned the car in to my local Infiniti dealer at the end of the lease term. A few weeks later I received an " End of Lease Liability Statement '' from Infiniti Financial Services stating a net liability of {$3000.00}. Charges included " Unsatisfied Contract Obligation '', '' Excess Wear and Use '', " Tax on Excess Wear and Use '', and " Remaining Rents Due '', among others. I wrote Infiniti Financial Services challenging these charges and they provided an illegible copy of the contract and did not address several of my questions. Concurrent with their correspondence, they turned my account over to a collection agency. Their actions have hurt my credit rating and are heavy-handed and unethical. I do not believe the bill is accurate and I do not believe I have an obligation to pay.
02/21/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • NC
  • 27546
Web
In XX/XX/2016, I financed a vehicle with XXXX XXXX of XXXX. At financing, I opted to take the gap coverage. I am attaching a copy of my sales contract that clearly shows that the XXXX XXXX was included at the time of financing. Unfortunately, a few months later, and accident occurred that totaled the vehicle. My standard auto insurance funded a claim, but as expected, the amount they paid was shy of the total left on the finance contract. This is where the gap insurance I opted for should have covered me. I have made repeated calls and visits to the dealership and XXXX XXXX about this matter, but they refuse to process my claim. The Nissan dealership, nor XXXX XXXX, does nothing to help me process my gap coverage claim. Instead, all they seem to be able to do is report that I have a {$10000.00} collection balance with their organization on my credit report ; despite the Gap coverage.
06/12/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • TX
  • 77573
Web
I currently lease an XXXX XXXX and went to trade it in early with a XXXX dealer. Infiniti informed me that they changed their 3rd party trade in policy. I never signed a contract stating that I agreed to that as the change happened XX/XX/XXXX my lease began XXXX of XXXX. They are telling me I am only able to trade in my infiniti to a Infiniti or Nissan dealer, the problem is theyre all giving $ XXXX less than XXXX bc they realize I have no other options. This is completely unfair to a consumer to be able to lock us into something we did not agree to and to low ball vehicles bc they hold the upper hand. Infiniti needs to be held liable. I was also informed by several dealers that they are doing this bc of the pandemic and new cars being scarce due to the chip crisis. They want all their vehicles back for personal gain although they lowball you in doing so. This is crooked business.
12/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CO
  • 80023
Web
I had leased a XXXX vehicle and when i returned the vehicle i did a walk around the vehicle with a company representative to show no damage to the vehicle. Later on i got a final bill that said i had XXXX bill do which showed XXXX in damage. I called to dispute it but they never sent me proof of anything. I eventually paid it anyway just because it was easier to do then to continue to fight it. i recently got a home loan and saw that the dealership listed my account as a paid charge off. This account was never charged off. I made my payments every month and even the final bill was paid in a timely manner. It is being misreported as a negative account when it was never a negative account. No payments missed and not a charge off. Please help me to get this removed from the credit bureaus as a negative. I have perfect credit and this bothers me especially since it never happened.
09/24/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Shopping for a loan or lease
  • TX
  • 75056
Web
I traded in a vehicle with the intention of getting {$1500.00} back from the car that was traded in. The sales manager, XXXX XXXX, guaranteed that my funds would be available by Friday XXXX or Monday XXXX " at the absolute latest '', presumabley to deter me from going to a different dealership where I could get the funds same day. I have called multiple times for the past week, and could not get returned phone calls or emails from XXXX or the GM, XXXX XXXX. I filed a corporate complaint as well to no avail. XXXX finally began communicating with me on Wednesday XXXX stating that I could come pick up my check, only to call back later stating the check system was down. Today, he has stated that he is working with an accountant to remedy the issue but at this point, it appears they have no intention of remitting the {$1500.00}, even though I have a " we owe '' from the dealership.
04/20/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29730
Web
On XX/XX/2020 I traded in my XXXXXXXX XXXX for a new nissan XXXX. Financing was to be provided by Nissan Financial. I traded my car at Nissan of XXXX XXXX in SC. On XX/XX/XXXX I received a call from XXXX Financial that I was late with my payment and they needed a payoff or the car. I advised XXXX that I had traded the car. Upon contacting Nissan of XXXX XXXX they stated that the financing was rejected by Nissan Financial and that I had to come back in and resign paperwork. I did this the next day. I was also told that they would get me credit corrected. I received another call from XXXX in XXXX that the car was still not settled and they had reported me late again to the credit bureaus. I filed a complaint with the CFPB to have this mattered corrected immediately with no resolution. This is the second time I'm am filing this and expect my credit to get corrected immediately.
09/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02124
Web
GOOD AFTERNOON ; I was looking through my report and noticed a negative account from a vehicle that was returned to the dealership continues to report incomplete, unverifiable in my credit report. I had the opportunity to talk to several lawmakers and friends that's more versatile on this subject and learned some basic laws in regard to voluntary or involuntary repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Also that an original creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account. I didnt receive this paperwork and you need to remove this account immediately.
04/25/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • MA
  • 01109
Web
On XX/XX/XXXX Nissan Motor Acceptance took out from my account {$240.00} of which {$5.00} was processing fee and {$240.00} was payment towards the balance. The confirmation number given to me by Nissan rep for this payment is # XXXX. Please investigate where Nissan posted this payment. It should have posted to the above named account # XXXX but didn't. The correct owed balance should be {$400.00} and not {$640.00}. If you need more information please don't hesitate to contact me at XXXX. I tried to resolve this with the company and they still cant seem to find my payment. I paid {$510.00} on XX/XX/XXXX to settle this account but the balance was still incorrect and nobody seems to know where my payment of {$240.00} went to. I called my bank and they gave me a trace number for transaction of # XXXX company that took payment was Nissan Motor acceptance XXXX XXXX XXXX XXXX Texas.
01/06/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • WI
  • 53029
Web
I've never been late on a payment and always paid extra. Eventually I realized that my additional payments were not being applied towards principal and called in to have it fixed. The rep told me she would fix it. Within a few days I got a certified letter saying my account was over 90 days past due and my car could be repossessed. I was also receiving repeated calls from Nissan about my " past due '' account. Apparently the rep had applied so much money towards principal that she immediately put my loan 90+ days past due. My credit rating has dropped over 180 points in 2 months. After numerous calls and numerous unkept promises, nothing has been done. While XXXX shopping I was asked to apply for an XXXX credit card to save 20 % on my bill. I was rejected on the spot. It was beyond humiliating. I'm old school and take my credit VERY seriously! I'm asking for your help PLEASE.
05/10/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • CA
  • 92110
Web
I decided to refinance my Nissan XXXX 2018 to reduce the APR. The original loan was trough Nissan Motor Acceptance Corp with a 6.49 % annual. My bank XXXX XXXX XXXX XXXX approved me a new auto loan for 3.99 % annual so I requested their check ( {$19000.00} ) from a branch and sent it to Nissan. They received my check, cashed it out on XX/XX/XXXX but they did not apply that payment to my account. On XX/XX/XXXX they sent my account to collection and now they are trying to repossess my car. The best part is, Nissan already sent the title to XXXX XXXX!! That means that Nissan is trying to repossess a car that has another financial entity as a lienholder!!! I went to my bank and they provided me proof of the title and the check cashed out. I spent hours on the phone and they are not helping me at all and they don't stop calling, threatening me as a debtor and harassing!!
08/20/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33765
Web
I had told Nissan Motor Acceptance in the middle of XXXX that the company that I was working for might close down or I might be starting a new position and that my car payments would potentially be late so I had told the representative that and they assured me I would not continue to get calls after that I have received 8 calls in one day 10 calls in one day six calls in one day as well as repeated voicemails in the same day that there was nobody 's voice on it and I've told them to stop calling me I understand I owe it and it always gets paid and they didn't really seem to care I ask for their corporate number I got the corporate number and I just want them to stop calling me repeatedly because they are violating the fdcpa with abusive phone calls. I constantly hear my phone go off from several numbers linked to nissan throughout my work day. Its very distracting
08/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 10965
Web
NMAC ( XXXX XXXX XXXX ) On XX/XX/2017 I had to change my checking account number. I had recurring payments set up through NMAC site. I properly changed my checking account info. Nissan failed to afford me the option of re-enrolling in recurring payments. Without having been notified that my recurring payments ceased, I unintentionally missed my XX/XX/17 due date payment. As a result, my payment was 31 days late. Nissan refused to remove the late payment from my credit report, citing that the information provided is accurate and therefore will not be removed. Nissans poorly designed payment platform caused me to miss my payment and I was provided with no reminder or warning that my recurring payment had ceased and needed to be set up again in order to make an on time payment. I am requesting assistance as a consumer due to this unfair and rather negligent practice.
05/16/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19135
Web
I have been disputing with Nissan regarding a late payment XX/XX/XXXX that wasnt late since I found out it was put on all 3 Credit Reports. There was a computer glitch when I hit the submit button. But I did not know it didnt go through. Until they called me on XX/XX/XXXX. I am fully XXXX and I was just getting out of the hospital when they called me. I have never been late from XX/XX/XXXX to XX/XX/XXXX. I will be forwarding you some information that shows you. My monthly routine and I cant understand why they kept insisting that I was late. Instead of looking at my payment background. Knowing I never made a late payment. Please look into this matter because honestly I cant take fighting with them anymore. They put to my XXXX on my XXXX. Im was to sick and have XXXX XXXX XXXX to take any further action with Nissan anymore. Thank You and XXXX XXXX, XXXX XXXX
12/07/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • NY
  • 11101
Web
In 2014 for about 6 months I was going back and forth with Nissan on my auto-pay to pay my monthly lease. Every single month someone would tell me to set-up my auto pay and I did. For some reason every month the payments were not going through. So every month Nissan would call me when I was late. It was a monthly frustration. Lastly the last call I believe I had someone walked with me over the phone to set-up auto pay over the phone and from that day it was n't a problem. I had the money, I had a job and making monthly payments to many things at the time but for some reason my confidence was in the auto pay. I had not had confidence in it I could of mailed the checks to avoid being late. I tried working with Nissan on the matter but they really showed me they do n't care about me. They just want my money. No customer satisfaction on the finance side apparently.
11/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AR
  • 72204
Web
I have filed a dispute with all 3 credit bureaus asking Nissan Motor Acceptance to update my credit report to show that I paid on time between the months of XXXX and XX/XX/2020. They have all come back with a status of my account and credit report being updated. However, my credit report still shows that no data was received during those months, it appears that I was in deferment that long and I was not. I never agreed to a deferment, only a 2 month payment extension for the months of XXXX and XXXX, right around the time COVID-19 hit. I have reached out to the company as well and was unable to speak directly with the credit department. I feel like this was done intentionally to increase the number of customers that appeared to be on deferment during the pandemic for federal financial gain or assistance programs related to the businesses impacted by COVID-19.
03/12/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem extending the lease
  • NY
  • 11777
Web
I have leased a Nissan XXXX vehicle acct # XXXX with Nissan and automatic payments being withdrawn from my account for 3 years. I have been down with covid only to awake and find my credit score took a hit from Nissan because my lease was apparently up in XXXX. and they stopped withdrawing payments from my bank account on there own without any phone calls to me or receiving and documents informing me as to lease ending. I did not stop paying them, they stopped withdrawing 's of auto payments on there own, and as in many leases with Nissan in the past 15 years with other leases they continued taking payments and extending lease for few months never with any issue. i want my credit standing to be resolved as it was there issue stopping in pulling payments and not mine, when i asked why there was never any phone calls they responded with they don't have time.
12/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 90706
Web
I am requesting that XXXX XXXX XXXX XXXX remove a hard inquiry from my XXXX credit report. Please review the documentation that supports my claim that my credit being run by XXXX XXXX XXXX XXXX ( XXXX XXXX AKA XXXX XXXX XXXX XXXX ) was unauthorized. Ive attached a copy of the pre-approval letter from my credit union, XXXX XXXX XXXX ( who currently finances my vehicle ), as well as a letter from XXXX XXXX XXXX admitting my credit was ran in error. There was no reason for XXXX XXXX XXXX XXXX ( XXXX XXXX AKA XXXX XXXX XXXX XXXX ) to run my credit due to having already secured financing through my own credit union. I am requesting that XXXX XXXX XXXX Property ( XXXX XXXX AKA XXXX XXXX XXXX XXXX ) remove the hard credit inquiry from my XXXX credit report. I will pursue legal action, if necessary, to request the inquiry be removed from my credit report.
11/22/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • AL
  • 35216
Web Older American
Complaint : Preditory Lending Car Loan XXXX XXXX XXXX XXXX XXXX, AL Date of Loan : XX/XX/XXXX Financial Institiution : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX amount financed : {$30000.00} APR : 9.29 % Loan Duration : 72 months Monthly Payment : {$560.00} I had lost my job 1 year before ( XX/XX/XXXX ) the loan and my wife and I were struggling with our finances. Our only vechicle ( XXXX XXXX XXXX ) and at the time it was have some mechanical issues and we were in an emergency replacement mode. I was under so much strees at the time but, I had to have a vehicle in order to work. XXXX XXXX took my XXXX in trade ( est. {$9000.00} ) and still financed the loan at more than double of the value. Given my age of XXXX yrs old I couldn't find work in my field and was suffering from a finacnical hardship and XXXX XXXX took advantage of my vulnerablity.
10/31/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with signing the paperwork
  • GA
  • 30052
Web
I purchased a brand new XX/XX/2015XXXX XXXX from XXXX XXXX XXXX in XX/XX/2015. My financing is through Nissan Motor Acceptance Corp. My total purchase was {$28000.00} with 18.81 % interest and I have already paid {$19000.00} with only {$4600.00} going toward my principal balance as of today. So my current pay off balance is {$24000.00}. I agree that I did sign the contract because Everything was moving fast, the dealer did not take time to go over the documents, it literally took 10 minutes for me to sign all the paperwork. I feel like I was taking advantage of. I was approved for this loan with a credit score in the low 500s, {$500.00} down making {$40000.00} a year who rented and had XXXX small children. I was a prime target to default on my loan and potentially lose my car and ruin my credit. The dealer nor the bank even asked for proof of income.
12/18/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • FL
  • 33179
Web
Since XX/XX/XXXX my auto loan with them was paid from my business account automatically every month. In XX/XX/XXXX, XXXX XXXX, somehow, could not withdraw the funds for two months form the account that they always withdrawn before. At the time I was traveling to XXXX XX/XX/XXXX through XX/XX/XXXX and I realize the problem after I looed at my mail and immediately I made payments and I re establish the bank account so they can get paid on time. I spoke to them about the problem and expressed the question to them why it happened all I get was that my payment was returned. At the time of the incident the business account had sufficient funds but they couldnt get it so I established anoether account with much less funds in it the it worked??? Because of their technical difficulty now they have reported me as I am late and I suffer from low credit score.
09/22/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • ID
  • 83646
Web
I settled a debt with Nissan Motor Acceptance. The settlement was handled and process through a 3rd party, XXXX Solutions. The account originally charged off in XX/XX/XXXX. After receiving the XXXX settlement Nissan updated my credit report reflecting a missed payment for XX/XX/XXXX that is incorrect. My final payment was set up for XX/XX/XXXX and was drafted from my account on the XXXXThis FP ( failure to pay ) or CO ( charge off ), depending on what bureau is reviewed needs to be removed. It reflects a recent delinquency which is false and negatively impacting my credit further. My final payment was due in XXXX on the scheduled date and successfully processed. I want all my bureaus updated correctly and not to include false information. Nissan assured me that there would be no new negative activity, but only an update that account was settled.
02/18/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • FL
  • 33916
Web
To all parties, My vehicle was repossessed XX/XX/2018.. Right away I called Nissan because I thought it was an error. Once I found out what happened i tried to explain but no one would listen. Yes, i was behind on my payments but in error. Due to my husband filing bankruptcy not me. I assumed my payments were going directly to Nissan but, I found out not during bk can not make auto payments. Right away i asked to reinstate my loan and allow me to pay all payments right away because i had the money and I was immediately turned down. I was told I must pay all XXXX amt owed which I could not do. How does this happen??? I work really hard and would just want my vehicle back to continue to pay it off. The Nissan Finance recovery keeps telling me Fl is not a reinstatement state which I found out is completely wrong.Its just Nissan ... Please Help..
02/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43240
Web
I have requested validation of debt from Nissan-Infiniti from XX/XX/XXXX-XX/XX/XXXX, which is reporting inaccurate and incomplete credit information in a file maintained under my social security number. I respectfully requested proof of this alleged item, specifically bearing the contract, note or other instrument bearing my signature. Under the fair debt collection practices ( FDCPA ), I have the right to request validation of debt. This is a clear violation of the fair credit reporting act, violation of the fair debt collection practices act and defamation of character. Nissan-Infiniti has failed to provide validation within 30 days and I demand that all references to this account are deleted and removed from my credit file. This issue has been going on for months and is causing undue stress. I look to have this matter resolved promptly.
05/10/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • CA
  • 91344
Web
XXXX XXXX XXXX and the XXXX dealership were notified that the person leasing the vehicle was going to purchase the car in full. Both XXXX and the dealer notified the buyer NOT to pay the last month 's lease payment, and instead, that amount would be included in the buyout payment. The purchase went through smoothly, but in XX/XX/2018 XXXX reported a late payment to XXXX for the vehicle, which is now on my credit history. Other than this false report, my credit is perfect with a XXXX+ rating. I called XXXX, and they told me that they don't have a record of this report, and that I have to provide them with a letter to prove the issue. This is not my job! XXXX should be doing everything to fix this! Even though it's not my job, I did send XXXX a fax with all of the details. I have also reported this issue to XXXX. Both were done on XXXX.
05/19/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • GA
  • 30115
Web
I had a lease for a XXXX XXXX. Near the end of the lease, I went in to XXXX XXXX XXXX, in XXXX XXXX, GA looking to purchase a car to replace the XXXX. The sales person and also general manager told me that if I purchase a car with them, and work with their finance person ( instead of getting a loan on my own ), I would not have to pay the final lease payment of {$280.00}. It shows 'none ' for 'balance owed on trade ' on the purchase agreement for the new vehicle ( attached ). After many calls, texts and exchange of information, they are still billing me for the last payment, and have now sent the 'debt ' to a collection agency ( XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX GA ). I have a confirmed text from the sales rep, stating that I don't owe any more payments ( attaching a copy of that text ), but he and the XXXX are not standing by it.
10/23/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • AR
  • 72753
Web Older American
In XXXX when i bought the XXXX, i took out a 72 month loan. I talked with XXXX at the dealership, he was the Financial manager. He told me that if i paid extra on my principle it would make my payment go down. I did this every month, never having to pay the full payment until this month. The loan due date isnt until XX/XX/XXXX the amount left on the note is XXXX. This would be XXXX a month. That was my plan when i bought the car, have a small loan payment at the end of my note and XXXX, ( Nissan Financial Agent ) agreed it would work this way. Now Nissan Financial is saying that i have to pay XXXX and my agreed to terms will end a year early. This isnt what i was told or the contract that i signed. If i had wanted a 60 month contract i would have signed a 60 month contract and i would have never had my witnessed conversation with XXXX.
05/26/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • High-pressure sales tactics
  • DC
  • 20020
Web
On XX/XX/2018, I visited to XXXX XXXX in XXXX XXXX MD to check out a vehicle I wanted and get a purchase order from them. I went in already having financing from my credit union. While at the dealership the salesperson had me to do a " hold contract '' ( which required an application with my social security number ) to hold the vehicle for me granted that I made a down payment that day then once I came back with the check from the credit union they would void the " hold contract ''. I only authorized XXXX XXXX to run my credit for the sole purpose of the " hold contract ''. But since then, I've been getting credit notifications about multiple hard inquiries being made on my credit report that I haven't authorized. Those hard inquiries include : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX all of which I didn't not authorize.
04/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • TX
  • 78253
Web Servicemember
XXXX XXXX XXXX XXXX ( NMAC ) ( XXXX ) XXXX financed my XXXX XXXX XXXX XXXX for the same year. As weeks turned to months then years ( NMAC ) began to access a fee and I called but could not speak with any first language English speakers. So next I wrote NMAC about the same only to get another somewhat foreign listener about Fee & Fees plus now there was a force multiplier although the note was met. This account showed fee had fees and it was reported 30 days, 60 days, 90 days but it was not reported as such. Whether it was small it was not shown late but forced multiplier meaning I am paying even more ( in an above the note ). Well I want all derogatory marks removed because all fee/fees were PAID and accepted as such. Well if so why report 30,60,90 day ( s ) all should be removed and marked paid/closed an not reflected as opposite.
07/06/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • TX
  • 76248
Web Older American
I was looking for car to purchase in XXXX at XXXX NISSAN I was put under a lot of pressure by XXXX XXXX and his used car manager. I suffered a XXXX, they took advantage of me by selling me XXXX different cars, checking my credit three times and lowed my credit rating. Also gave me a 10 % interest rate. XXXX XXXX XXXX XXXX wanted to pay my loan off and give me a lower rate but they said that the dealership committed fraud on my loan and the XXXX MAXIMA was over priced, XXXX times its value. The car is worth {$20000.00} and I paid {$60000.00}. I have told NISSAN CONSUMER AFFAIRS about this for XXXX years nothing has been done. I continue to make double payments on a fixed income. I am a XXXX Veteran with various health problems. Your cooperation in this matter will be gladly appreciated. This is disgrace to be treated this way. THANKS
03/06/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • FL
  • 33760
Web
Hello, I am filing a complaint against Nissan Finance located in XXXX, OH for harrassing phone calls. These calls started on XX/XX/2017 and have come at a rate of at least ten calls per day, everyday to current date. The calls are starting at XXXX to XXXX ET. They are coming from XXXX mostly, however, since I am not responding they are calling from several other numbers. I have explained to Nissan that I am running behind on meeting my obligations on time each month however, have paid them each monthly payment, although late. Currently I owe one month ... but continue to receive harrassing calls. This company has violated the FDCPA laws by calling before XXXX & after XXXX. They are calling multiply occassions every day. I am requesting actual damages of XXXX per call due to debt collector that has & continues to violate the FDCPA.
06/11/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • LA
  • 71108
Web Older American
I got a letter from XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 with No return address and No fax number alleging I owed over {$15.00}, XXXX on a repossessed vehicle. The letter stated I had 30 days to dispute the validity of the information. On XX/XX/2021. I sent a letter by email and also by USPS, disputing the validity of the information and asking that proof of the debt be mailed to me within 30 days of my letter. I also informed them that according to the FDCPA, they - XXXX XXXX XXXX XXXX XXXX, can not continue any collection practices until this debt has been verified. On XX/XX/2021 I got a phone call from this number, XXXX. Turns out it was XXXX XXXX XXXX XXXX XXXX calling. The man on the line asked me how I wanted to pay on the {$15000.00} for the repossessed car. I told him I did not have any money and hung up the phone.
10/25/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Confusing or misleading advertising
  • OH
  • 44023
Web
About 6 months ago I received a phone call from this company stating that if I was to test drive a new vehicle and purchase the vehicle I was let out of my lease early and to my chagrin I accepted the offer only to be made a fool of from the dealership. I had two different car companies in the past make good on similar situation and I was no stranger to the phone call. I made a complaint with them and I was told sorry for the phone call and I was not going to be made whole on the issue on hand and I was told to make my payments current or else. I do have financial hardship and I really thought they were going to help me. My fault I guess for thinking Nissan really cared about me whenever they ask about my hardship however all I hear now is ooh too bad, pay up will ya. Now the dealership just closed the doors without any notice.
03/26/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • FL
  • 32208
Web Servicemember
For XX/XX/2021, my income was too low or unstable to pay the monthly payments in full, so I had to make installments ... Nissan Motor Acceptance Corporation extended me for one month but their attitude was inappropriate and they were asking personal questions they shouldn't have asked. Then I started making payments around XX/XX/XXXX or the XXXX to cover XXXX XXXX payment which I did. Then I was going to send 2 installments of XXXX for that month but they stated I have to give them XXXX dollars to prevent recovery/repossession of vehicle. I explained to them about my financial hardship but they showed lack of concern. Then I had to talk to somebody like you to help me handle this situation professionally and legally. I'm awaiting a stimulus check so I can pay the rest of my debt..I only am behingdnow 2 months instead of three.
06/18/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • MA
  • 02043
Web
I tried to purchase, at the contract 's residual payoff figure, and/or transfer my rights to purchase my leased vehicle at the end of the lease and Infiniti Financial said I could not do that " they are an indirect lender and that I needed to go to an Infiniti dealer and work with their dealer to purchase my vehicle ''. They claim they had a policy change on XX/XX/XXXX and that I needed to go a Nissan or Infiniti dealer to purchase my vehicle at lease end. It is absurd to think I can not just send them a check and buy the vehicle, they said they would send the check back to me if I sent them a payoff check. The reality of the situation is the residual payoff is below the trade in value and they are stealing my vehicle and the residual equity in it ... ..and I am certain they are stealing equity from many others as well.
04/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • FL
  • 34746
Web
Nissan Motor Acceptance Corp is corrupt. Not only was a lied to at the dealership when i purchased the vehicle was sold a warranty that ran concurrent with factory warranty didnt realize until month later call to fix issue got the run around so i just chalked it up as me being conned. Which is horrible for business to even attempt let alone to make a regular part of business XXXX XXXX please be careful people. Now next issue i had a couple of late payment they put a thrid that i gave them info that was incorrect i have been given horrible customer service since i first called to attempt to fix. This company is just the worst to do business with and i want other people to be careful before they enter into a agreement with these heartless corrupt liars.And the worst part the XXXX XXXX is a horrible car stay clear of it
02/18/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • CA
  • 90808
Web
following up on previous complain # XXXX This is because the answer received from Nissan Auto Finance is not fair that I have decided to solicitate for the second time your expertise. 1. it is true that I have postponed 4 cycles payment 2 in XXXX after loosing my Job and 2 in XXXX dues to Covid 19 and the lost of my business at the airport. 2. During both time Nissan has never informed of any late fee or any interest in using this privilege to rescheduled the payment of the Loan. 3. Nissan knowing the reason why I was postponing the payment and encountering some difficulties in generating income Nissan never offered me to refinance at lower APR. 4. Nissan in doing so has privileged their interest instead of my interest but more over Nissan as a financial institution never offered an Annual review on my account
10/18/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • MO
  • 63121
Web
We received notice from Nissan motor Acceptance advising us the XX/XX/XXXX XXXX was sold for less than the estimated balance due. When we contacted them to inquire about receiving a copy of the bill of sale and a XXXX showing the actual transaction, they refused to send it. We tried explain that this voluntary repossession was due to fact that we couldn't trade the car in for another. Now they're threatening to send this to a collection agency for money we don't feel we owe. The XXXX insurance company listed it as a total loss in XX/XX/XXXX but never advised us of that and we had Gap coverage too. We have filed a gap claim with the insurance company in XXXX but still have not heard anything from XXXX XXXX XXXX XXXX regarding this issue. Please advise us if anything can be done to resolve these issues. Thank you
09/24/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • CA
  • 91401
Web
This car was totalled by another liable party XX/XX/20. My insurance sent them they pay off check XX/XX/20, we have a tracking number, person signed for and they still havent posted the check to my account! Theyve delayed my payments, but are charging me internet for their un acceptable business practices!! Three months??? To cash a check? I cant close the loan until they post the payment. I am livid! I HAVE CALLED SO MANY TIMES AND HAVE BEEN PUSHED AROUND. - finally someone offered to open up a payment investigation. 10 days later no update, no calls, nothing. Its comical how when financing companies need their money they will send people to collections. Well where do the responsible loanees get to hold the financial loan companies Accountable? This cant be a one way street. This is unacceptable.
05/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 78221
Web
I'm submitting this complaint to remove an unauthorized hard inquiry from NISSAN MTRS ACCPT IFS # 1 that occurred on XX/XX/2020. This hard inquiry was initiated without my knowledge or consent. Please remove the inquiry as soon as possible. Institution Information NISSAN MTRS ACCPT IFS # 1 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Actions I have taken : I have called ( XXXX ) XXXX and ( XXXX ) XXXX for assistance and sent emails to XXXX, however this issue has not been resolved. Attachments : I have attached my XXXX credit report and my XXXX report from XXXX. The hard inquiry from NISSAN MTRS ACCPT IFS1 is located at the bottom of page 39 and the top of page 40 of the XXXX credit report. The hard inquiry from NISSAN MTRS ACCPT IFS # 1 is located at the top of page 14 of the XXXX report from XXXX.
03/07/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • UT
  • 84020
Web
Called in to speak to NMAC Nissan acceptance motor corporation after payment submitted didnt go thru. They stated they could not take payment over the phone so I paid on their app. I fixed the billing information and submitted a payment. Now it is showing past due over 30 days and reporting on my credit and my husbands. We revieved no email or notification the payment did not go thru the second time after correcting the billing info. Made a payment XX/XX/XXXX as soon as I found out this didnt go thru. No it is pending and when I called in they were very rude and even hung up on my husband. Im trying to get this resolved as I have had the money in the account and paid it. I do not feel this is fair to have a late charge and this hurt our credit when they did nothing on their end after our payments were sent.
12/24/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 32541
Web
I have been a with NISSAN ACCEPTANCE CO customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
03/21/2020 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 76247
Web
Due to the fact I cant work and my husbands job has been impacted, I fell two payments behind. I have been working with Nissan every step of the way to get this resolved. Ive made numerous calls to Nissan. I spoke with one of the service representatives and we came to the agreement that I would need to submit a payment through the online system on XX/XX/XXXX. Then call Nissan on XX/XX/XXXX to continue to work on the second late payment. I was told the account would be documented but I still might receive a phone call every few days. Instead I am receiving several calls daily. Some that arent even an hour apart. I set the payment up online yesterday as I said I would. This morning yet again I received three calls not even an hour apart. Thats just before I filed this complaint. I am sure there will be more.
02/08/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • KS
  • 66212
Web
I purchased a new vehicle XX/XX/2018. In order to receive a rebate for electric vehicle I had to buy the car the day I went to the dealer. I was rushed to close the deal and pick up my kids and didnt realize I had signed for extended services for {$3300.00}. When I discovered what had happened I called the dealer to cancel. I went to the dealer and signed the cancellation on XX/XX/2018. When I hadnt heard anything after a couple of months I started calling the dealer and my calls were not returned. After several days and not identifying myself I was able to reach a manager. They were going to look into it. Since then I have been getting the run around by their sales manager and today he passed me off to their accounting department. They have not returned my call. In the meantime I have paid the car off.
02/12/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • TX
  • 78109
Web Servicemember
Filed Previous complaint with CFPB. They stated for me to make the payment that would catch up the payment then to call back after payment was made to make an arrangement on the remaining amount so it would not affect my credit. I called back and the collection department says i have to pay all by the XXXX or they will report me late to the bureaus. They are not keeping what they agreed to. This is covid and I cant afford to make the rest of the balance due byXX/XX/XXXX. Had I could of forseen covid happening I would have never took the extensions in the past. I am doing my best and willing to pay the additional off in the next 45 days but if A late shows up this could even cause issue with my job and cause me to lose it. I am asking for them to work with me on the lates fees and whatever else is left,
05/14/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • TX
  • 75052
Web
My vehicle was stolen XX/XX/18. XXXX paid off their responsible portion, and GAP paid off the remaining. Nissan then stated the remaining deficiency is due 30 days from the date GAP paid their portion. The remaining balance is XXXX {$3800.00} yet they refuse to set up any type of arrangements with me to help. The contract does NOT state the balance would be due in 30 days if this occurred it states I would be responsible for the remaining balance which I completely understand, however I had to purchase another vehicle and do not have ~ {$3800.00} laying around to pay. I tried to pay with a credit card and that was also refused therefore I have no options left and they say there are no arrangements that can be made. This is unfair to the consumer and the contract does NOT state this is the requirement.
09/16/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • CA
  • 90280
Web
Today at XXXX I called Nissan Financial to ask for past due payment and the upcoming payment moved to the end of the loan. I had a guy who refused to give me his name and was very hard to understand. I explained to him for him to submit my request and he asked me right away why? I replied because of covid19 my hours have been reduced at work and I am only part time right now. He said well I can only move one payment to the end of the loan and I said but my next payment is around the corner. Then he said that he was going to report me to the credit burea for not paying car loan. From my understanding late fee during covid19 are being waved and late payments are not being reported because of covid19. All that I asking is for my past due payment and payment due on XX/XX/XXXXmoved to the end of the loan.
10/03/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • PA
  • 18966
Web
Our automobile leasing company, Nissan Motor Acceptance Corp. ( NMAC ), began paperless statements. I did not know this. We don't use computer that often. I realized that we did not get a recent bill and contacted them. I was informed that we were 2 months in arrears nearing a third month overdue. I immediately paid 3 months to become current and requested they return me back to mail statements. I found out shorlty after it was reported to the credit bureau as delinquent and our credit score was reduced almost 100 points. NMAC should have contacted us by phone or mail to alert us we were late with a payment so we could have paid our bill, for sure, less than another passing month. Also notify us that if we didn't respond it would be reported to credit bureau. There is no customer service here at all.
07/26/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • NC
  • 28210
Web
I obtained a copy of my credit file around XXXX XXXX and filed a dispute through the credit bureaus against Nissan Motor Acceptance. Once bureaus investigation was completed it came back the information disputed was verified, no change and Nissan Motor Acceptance as new information. In receipt of this information I sent XXXX, XXXX and XXXX a letter of stating : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Nissan Motor Acceptance has not responded to my request. I am asking that you please look into this matter and have them remove this derogatory rating. The account was paid off in full and never late.
05/12/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • PA
  • 15239
Web
XXXX XXXX A low mileage short-term lease is treated the same as a high-mileage long-term lease for " excess wear and tear ''. I worked with a representative on XX/XX/2020 for 1 hour and 16 minutes. The rep admitted that the charges for excessive paint chipping on the hood and bumper only a ploy to trick consumers into getting another lease. They offered a waiver for the " excessive damage '' and said that it was applied to my account. I replaced the parts that were broken as listed on inspection. I received a bill for the full amount including the parts that I replaced. I tried to reach out to NMAC. I was told that I had 90 days to pay and that the waiver was in process. One day later I was told there was never any waivers and that I have one week to pay or they will turn me into credit collections.
02/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07032
Web
Good morning, I have an account with Nissan Motor A which I have never been late until this month, the reason I am the co-signer of a leased car, the owner has been injured also this company never called mentioning that a payment didnt go trough on the correct date therefore, the owner made the payment online and never wen trough but on the web page say it did, so they never reported that the payment didnt go trough never received calls until this Saturday the XXXX which was already 30 days late and got reported to the credit bureau and got damaged, so on Saturday since they finally called i made the payment and And told me to call Monday to get removed the report that it shouldnt be an issue since I paid on Saturday but got no luck they told me they wont do it cause its not their faul when it is
03/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • 20147
Web
Nissan Motor Credit has reported a late payment for for XX/XX/XXXX of more than 30 days late. In XX/XX/XXXX I contacted Nissan Motor Credit and asked for forbearance due to COVID 19 impact for 90 days. They honored it in XXXX but for XXXX they reported me as being late. I contacted them once I found out in XXXX and paid XXXX and XXXX and XXXX payment at once and asked them to correct this late reporting as it should have not been reported since the forbearance was due to COVID-19. I sent a certified letter to their home office per their instructions and requested the credit reporting update ASAP. It is not XX/XX/XXXX and to this date they have not done the correction. This has impacted my credit negatively. I have included the letter I had sent to Nissan Motor Credit asking for this correction.
12/04/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • TX
  • 78626
Web Servicemember
A XXXX XXXX purchased a used XXXX XXXX XXXX XXXX fraudulently using my private residential address. XXXX is stationed at XXXX XXXX, XXXX, home of record XXXX XXXX and drivers license either NY or XXXX XXXX have no ties to XXXX . XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX allowed XXXX to purchase the vehicle and register it fraudulently using my personal residential address without my knowledge or consent. Identity residential fraud. The XXXX Staff did not check the proper credentials nor verify if XXXX even live d in XXXX. XXXX obtained XXXX license plates for XXXX XXXX and registration fraudulently. XXXX XXXX XXXX Staff lack of identification verification from buyers when registering vehicles in XXXX leaves all XXXX residential addresses open to exploitation and identity address fraud.
05/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11793
Web Servicemember
In XX/XX/2015, I ended my lease early from Nissan Motor acceptance Corp and as part of the deal to get us into another Nissan, the XXXX XXXX agreed to absorb the payments. Upon purchase of the new Nissan I didnt not receive a bill or call from the company. I recently applied for a mortgage learning that this bill is on my credit report as derogatory and I am unable to get a mortgage. I called Nissan and they were able to produce the attached bill but said they were unable to accept payment because the debt was so old and they didnt see an open account to apply a payment to. They did an investigation and determined they wont accept a payment or remove it from my report. Nissan motor acceptance Corp told me that this particular dealership had many customers fall victim to this. Please help!
03/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 19335
Web
In XX/XX/XXXX I discovered that Infiniti had reported a 30 day late payment from XX/XX/XXXX on my credit. I called them immediately and was told by a customer service representative that the account would be updated if I disputed the information since there was a discrepancy of a couple of days, my wife had lost her job due to Covid and I had been not only an excellent customer but had been paying extra on my loan up until that point. The update never happened. I contacted the credit bureaus and Infiniti verified the information. I called them on XXXX and after spending an hour on the phone with a rep was told that a late payment could never be removed. I requested a supervisor or manager and was told 3 to 5 days for a return call. This is completely unacceptable and poor client services.
01/09/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CA
  • 94806
Web
I paid off Nissan Motor Acceptance Corporation in a timely manner. I do n't understand why a charge off has been placed on my credit report. Nissan requested that a payment in the amount of {$850.00} had to be paid in full by XXXX/XXXX/2016 by XXXX XXXX. I paid the {$850.00} by the date that they specified at XXXX XXXX. They informed me that the payment was received on XXXX/XXXX/2016. I informed they of my payment on XXXX/XXXX/2016. They stated that it did not meet the deadline that they requested and XXXX XXXX XXXX time was too late because they closed at XXXX XXXX. I was not informed of the time specifications and as a result they placed a Charge off on my account. I would like to dispute this because in all earnest I made every effort to pay by the deadline that was set by the company.
07/08/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • NJ
  • 07605
Web
I am currently leasing a vehicle through Nissan Motor Acceptance Corporation. They own the title. I moved from the state of XXXX to the state of XXXX, where I needed to have my title mailed from XXXX to the state of XXXX. For the past four weeks, I have not had any title mailed to the state of XXXX XXXX. The first request came in to XXXX on XXXX, again on XXXX and again on XXXX. However, no title has been sent to the XXXX as requested. I am now unable to send the XXXX plates back in the allotted 30 day window in which I am required by the state of XXXX. It is now XXXX and i am still unable to have the situation resolved - which is to have the title send over to XXXX XXXX so I can register the XXXX in the state of XXXX and then remove the XXXX plates and mail them back to XXXX as required.
07/03/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MD
  • 21133
Web
This item Nissan Motor Acceptance account # XXXX .... And account # XXXX ... .is inaccurate because the Notice of Sale was held Wednesday, XXXX XXXX XXXX with a balance of {$33000.00} and sold at XXXX at XXXX New Jersey , XXXX XXXX XXXX, XXXX , NJ XXXX. XXXX XXXX XXXX amount {$32000.00} was owed and total balance due of {$1000.00}. XXXX Credit Report XXXX XXXX XXXX reports Nissan Motor Acceptance Company reporting High Balance {$34000.00} and Past due balance of {$16000.00}. XXXX Credit Report XXXX XXXX XXXX reports High balance {$34000.00} with charged off of {$17000.00} and reported secondly on XXXX Credit Report High Balance {$34000.00} as Transferred, closed of {$18000.00}. I am requesting that the item be removed immediately due to violation of the Fair Debt Collection Practices Act:
10/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33147
Web
On XX/XX/XXXX I got a New car from the Nissan dealership. I had a lease that I turned in at the same time ( did a trade in ). Everything went well and I made my payments like usual. On XX/XX/XXXX I noticed that my credit score went down abruptly, when I Investigated I noticed that I had a late payment with Nissan-XXXX LT which I have financed my cars for the last 6 years. I inquire with them and they explained that the payment was misapplied to the old lease and not to the new one. My credit score went up and I let matters alone. Now XX/XX/XXXX I am trying to re-finance my property and I am unable to do so since a late payment is showing on my credit report. I should not be hit for a mistake I did not commit, I have made all my payments on time and this should not be my responsibility.
01/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75137
Web
XXXX-XXXX XXXX and or Nissan Motor Acceptance Corporation is reporting inaccurate information on all 3 credit reports. XXXX-XXXX XXXX and or Nissan Motor Acceptance Corporation is reporting inaccurate information on all 3 credit reports. The account has been validated according to the Texas Finance Code 392 and Nissan Motor Acceptance failed to provide any documents showing that I agreed to this debt, additionally they are reporting a past due amount but in 2016 sent me a 1099-C form showing canceled debt which I have reported on my taxes and paid taxes on. By them reporting that I am " past due '' and showing a balance they are reporting inaccurate information per the Texas Finance Code 392 and FCRA. I am requesting that they delete this account on all 3 credit reports immediately.
07/03/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • NY
  • 10307
Web
We returned Lease of 2016 XXXX XXXX on XX/XX/2019 ( Due XX/XX/2019 ) Account # XXXX XXXX XXXX. Then received an invoice for {$2700.00} In XXXX. Immediately responded stating that the first 8,000 miles were used as Demo Car Mileage and Wear and Tear. We received no reply to 4 separate letters sent to Nissan Motor Acceptance Corporation ( NMAC ). Now we are receiving letters from XXXX XXXX which is a collection agency for NMAC! In our 4th letter to NMAC they accepted and cashed a check in the amount of {$1300.00} with no reply to correspondence attached to the check. Our credit has been hit, or will be, because of the status with NMAC and we find it very unprofessional that we have not received a reply to same. We feel this act was an illegal manipulation to extort money from us.
07/09/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • TX
  • 75035
Web
My car was deemed a total loss after I was hit by a driver who ran a stop light. The driver of the other vehicle was ticketed and his insurance company took full responsibility. However, my insurance company, XXXX, took control of the issue and, to date, has paid XXXX {$38000.00}. There are 2 more payments pending, both of which XXXX is aware, which covers the remaining balance of {$6300.00}. XXXX is threatening to negatively-report me to the major credit bureaus, as my " payment '' is now 27 days late. They are forcing me to make a payment on a vehicle I can no longer use ( total loss ) and of which they absolutely know that payments have been submitted and are being submitted. The {$38000.00} should have certainly brought my account " current ''. Logic would dictate that.
07/17/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • TN
  • 37419
Web Servicemember
I purchased an auto back in XXXX at a contracted monthly payment amount of {$570.00}. Loan number XXXX. I go online to look at account and I am seeing my monthly payment amount is now {$660.00}. I did not receive any documentation of contracted payment change from {$570.00}, the last time I see online statement of contractual amount of {$570.00} is back XX/XX/XXXX. I have asked for over 11 extensions due to various hardships overtime of which I do understand the final payment at the end of contract in XXXX would be significant to be paid. I am wanting to know being my contract monthly payment is {$570.00} since XXXX and I pay this original contracted agreed amount instead, would I incur additional fees being it would be less than {$660.00}, putting me in more of a hardship??
02/23/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 91335
Web
Recently a person has been repeatedly calling my previous employer asking for any information pertaining to me. They explain that they have a legal document to deliver and that they have called all my other previous employers and that they need to deliver the legal document and they need them to provide any information they have about me. They have called daily. Next they called my mother and left a detailed voicemail referencing my previous address and a filing document number and they threaten to proceed legal action if the call is not returned. They have started to call from a private number as well. I finally was able to get a hold of someone. The company claims to be XXXX and XXXX their organizer. She is attempting to settle on behalf of Nissan Aceeptance Corporation,
12/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • 20187
Web
On my credit report, it showed that I missed a payment of {$230.00} in XX/XX/2019 I believe. I later paid the bill when I logged into my Nissan online account and saw that it hadn't been paid yet for that month. Nissan always sent me a monthly bill in the mail reminding me of my monthly bill approaching. But I did not receive a bill in the mail the month of XX/XX/2019. I only later found out when I logged into my online account to check my lease maturity amount later that month. I never missed a payment for this vehicle lease for the entire contract period, and also paid off my lease in full after that. This was the only time I missed a payment, and it was because I never received a bill in the mail like I did every other month reminding me of my upcoming monthly payment.
05/11/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • MD
  • 20874
Web
In XX/XX/XXXX, me and my father co-leased a Maxima. After making on-time payments for 3 months, no payment history was showing up on my credit profile, while it was reported for my father. Ever since XX/XX/XXXX, I have been trying to get Nissan Motor Acceptance Corporation to report my payment information to the credit bureaus. After 12 calls to them nothing has changed. Each time they promised to send the information in, and that in 15 days it would be available for the bureaus, and they will update it within 90 days. Nothing has changed. Today, I called again. They told me they can not do anything, and that I have to call XXXX and XXXX. I did. The XXXX representative said that NMAC can directly contact them, and have it fixed. NMAC is saying they can not do that.
03/28/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • LA
  • 70820
Web Servicemember
My question involves a consumer law issue in the State of : Louisiana I recently financed a vehicle at a dealership with a co-signer. The agreement was for me to be the buyer and my mother to be the co-signer. Recently my mother received all the information for the car license plate, payment, etc. And it has her listed as the buyer and me as the co-signer which is incorrect. How can we get that fixed? The dealership says it does n't matter who name is first it 's the exact same thing. We will be more comfortable with me as the buyer since I 'm the one making payments to help improve my credit score. Once asked about switching it to the correct way. Seller says it would increase my monthly payment by {$100.00} if I get put as the buyer. Do anyone has any insight on this?
11/15/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Shopping for a loan or lease
  • VA
  • 20169
Web
I leased a Nissan Sentra for my daughter from XXXX XXXX in XXXX. My daughter lives XXXX The vehicle was registered in XXXX. Nissan Motor Acceptance Corporation paid XXXX State Tax on the vehicle and billed me for that Tax. I live in XXXX. I worked with XXXX and NMAC for several years attempting to resolve the issue. XXXX noted that the issue seems to have been resolved by NMAC. This was in XXXX of 2013. Recently I approached my bank to get a loan to buy out a lease. The loan was denied because NMAC put a note on my credit report advising that I did not pay for these taxes. I am not sure what to do at this point. I have contacted an attorney. He advised that I should file this complaint first, get a number so that we may proceed with legal action against NMAC and XXXX.
11/19/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • NY
  • 11746
Web
Car purchased ( financed ) from Nissan in XXXX. Paid online in XXXX and the money was returned. To resolve further issues, I paid over the phone for XXXX, XXXX and XXXX. My bank XXXX XXXX XXXX confirmed that on XX/XX/XXXX XXXX took {$950.00} out of my account. Despite me calling and having my bank fax proof of the money taken from me, my car was repoed at XXXX on XX/XX/XXXX. Since XXXX on XX/XX/XXXX ( when their phone lines open ) I have made tens of phone calls and direct emailing with a representative for the company. They lost my money and until they figure out where they made the mistake- I can not get my car back. I am all paid up for my car, put thousands of dollars down, it was stolen from me in the middle of the night and now I have no car for work.
08/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20678
Web
Good afternoon, I had a chance to review my credit report and noticed one missed/late payment for NISSAN MOTOR ACCEPTANCE in XX/XX/2017. I advised the company that this missed payment is an error due to an auto-bill issue. It is stated on my credit report that the bill was late, later than 30 days which is incorrect. Every payment before and after XX/XX/2017 has been paid on time. All payments on my credit report states 100 % on time payments. Nissan also didn't provide proof of the missed payment. The missed payment on my credit report is hindering me from obtaining credit and has to be resolved as soon as possible. I have had a great experience with the company and plan to acquire a loan again in the future, just wish this was handled better. Warmly, XXXX XXXX
11/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07920
Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, NISSAN MOTOR ACCEPTANC add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
03/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MD
  • 20747
Web
On XX/XX/2020, I went to XXXX XXXX XXXXXXXX in hopes of purchasing a new car. I was told that I would get a monthly note at or around {$600.00}. This was before my credit was ran, but the salemans and his supervisor advised that no matter what I would get that note. After my credit was ran, I was advised that I would then have to pay at or around {$700.00}. I expressed my dissapointment because I had already advised that I was in process of getting a home. I went car shopping because my current car needed major repairs and I feared the repairs would not be worth the money. Also, I only agreed for two lenders to check my credit. To present, I have 7 hard inquiries that was by XXXX XXXX XXXXXXXX. They had no right to send my information to multiple sources.
04/22/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • AR
  • 71909
Web Servicemember
A loan payment was submitted online on XX/XX/2019. The online summary of the account shows the payment booking then reversing. The bank account for which the payment was to be drafted shows the draft going thru on XX/XX/2019. It has not posted to the account. After several phone calls, a letter with a copy of the bank statement showing the draft on XX/XX/XXXX was faxed to the help desk on XX/XX/2019. Spoke with XXXX again on or around XX/XX/XXXX to confirm they received the fax, since no confirmation was provided. They confirmed they received the package. As of today, the payment still has not been posted, the account has been reported to the credit bureaus as late and interest is still accruing. It should not take almost 6 weeks to find and post the payment
09/04/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • AZ
  • 85739
Web
Received a bill not itemized from Nissan Credit 60 days after turning in a lease vehicle for {$600.00}. Deduction of {$290.00} was expected, other deductions were bogus. Called and was told rear carpet of car had to be replaced, bogus, I am XXXX and no one even rides in rear, said there were XXXX other deductions but would not tell me what they were, said there were duplicates on bill. I requested a itemized bill and never received. Have tried to pay adjusted bill and 3 yrs later have never received. They reported to credit bureau as a write off. Called many times and requested a itemized bill and all I was offered was a XXXX % discount, not, would still show as write off on credit report. They would take payment over phone, not, but still would not send bill.
12/03/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AR
  • 72211
Web
NISSAN MOTOR ACCEPTANC creditor delinquent my account for not paying 2 Months. I set up a Auto Debit from my bank account and they had trouble in getting money from my account. They did not inform me via Email or Portal Mail about the late payment. When I checked my credit report I realized this and contacted them and paid the XXXX. They promised to remove the delinquent on my account in 7 days and this conversation happened in XXXX XXXX. Till now they did not do anything related to my delinquent and also the customer support people was very rude to me. Because of this delinquent my credit fell XXXX points. Also I spoke to them on XXXX XXXX and paid off the bill on the same day and again on XXXX XXXX they sent another delinquent notice to my credit report
05/21/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30458
Web
I XXXX XXXX entered into a consumer credit transaction with Nissan Motor Acceptance Corporation on XX/XX/2020. A consumer transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Nissan Motor Acceptance Corporation made me pay for insurance seperately. Nissan Motor Acceptance Corporation is in violation of 15 USC 6802. Nissan Motor Acceptance Corporation did not disclose to me or make it aware of my right to opt out. Nissan Motor Acceptance Corporation is also in violation of 15 USC 1635. Nissan Motor Acceptance Corporation was supposed to disclose to me the right of recision, I was not notified of this right.
01/06/2017 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • FL
  • 34788
Web
I leased a Nissan in XXXX and traded it in XXXX XXXX, 2 months before when my lease had ended. The dealership paid off the lease in full on XXXX XXXX, XXXX. On XXXX XXXX, XXXX a woman contacted my nephew and wanted my phone number and said that I needed to fill out paper work from Nissan. I contacted the woman immediately and informed her that I traded car in XXXX and car lease was paid in full. She said that I have n't paid payments on the car and she will let her supervisor now that I no longer had car and she will call me back. I checked my credit report in XXXX XXXX and discovered that the company had my credit lowered stating that I was 3 months behind on payments. I contacted the car company and I was informed that the car is missing and I am liable.
03/05/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • CA
  • 90016
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Fraud Department 800 Loan Department I am writing to dispute the following information that your company provided to credit bureaus. This item credit inquiries on credit reports is fraudulent, on XX/XX/XXXX because my identity was stolen and i did not authorize my credit to be ran. I am requesting that Nissan have the credit inquiries ( s ) removed from all of my credit reports. Enclosed are copies of the identity theft police report supporting my position. Please re investigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible. Sincerely, XXXX XXXX Enclosures : Police Report
10/09/2021 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • FL
  • 33436
Web
This company has violated my rights under federal law. This company has violated my right of privacy under 15 USC 1681a ( 4 ) by furnishing negative and adverse information on my consumer report without my consent. This company has also violated my rights under 15 USC 1692g by failing to validate this debt in a timely manner after I sent them a letter. In that letter I also demanded that they cease collection and communication through any and every medium with me or any other company that's stated under law until this debt was validated and they have failed to do so. I am tired of being XXXX as a consumer and i will not stand for this any longer. I am seeking monetary damages and I have attached an invoice for every violation under the FCRA & FDCPA.
06/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11798
Web
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX XXXX, XXXX. Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
05/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76116
Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXXXXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
08/31/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • MA
  • 02128
Web
I live in Massachusetts and registration renewals are tied in to the leasing company. Documents get forwarded to the leasing company first and to me when they get around to it. Massachusetts send renewal docs usually 60 days before renewal, I got mine from Nissan Finance 15 days before renewal and renewed the day I got them. My registration expires tomorrow and I have not received the registration or new sticker from Nissan Finance yet, I called today and tried to find out the status and a rep told me they had the new docs but had not sent them out. I could not get a straight answer on when they would send them. If they can't forward the documents required to operate my car in a timely fashion I should not have to pay lease fees in the interim
01/05/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AL
  • 36054
Web
There are numerous inconsistencies and discrepancies with Nissan Motor Acceptance Corporation 's reporting to the XXXX major credit bureaus. I have never made a late payment and have spoken with customer service on numerous occasions to correct this matter. I have been assured numerous times that it will be corrected and updated but it has been months with no results. I request the following corrections be made : 1. XXXX - update payment information to CURRENT, NOT LATE for the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX 2. XXXX - there is no account being reported and the account needs to be updated, reflecting ALL PAYMENTS CURRENT. 3. XXXX - update payment information to CURRENT, NOT LATE for the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX.
07/06/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • MA
  • 01970
Web
Due to illness I was out of work and missed three car payments, I called Nissan to tel them I would be late and then on XX/XX/XXXX they reposed the car without any notice. I have been trying to make an arrangement with Nissan. THey want me to pay XXXX to recouperate the car. I would like to pay the unpaid balance due of XXXX and all associated fees XXXX in late charges and XXXX in repossession fees totaling XXXX and regain possession of the vehicle and continue to make my monthly payments. I have been a Nissan customer for 3 years and never had late payments until now. I received a letter that stated I have until X/X/2017 to resolve this matter but I believe I have 20 days from the date of repossession. I just want to work this out with Nissan.
07/19/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • AL
  • 36092
Web
NMAC Finance has been an awesome company to finance with. I have been struggling for awhile and the Covid pandemic didn't make things better. NMAC allowed me to utilize my extension options as which, I have exhausted them all. I have not been able to pay my current payments of XX/XX/XXXX and XX/XX/XXXX, as which, I won't be able to make the XXXX payment until XX/XX/XXXX and the XX/XX/XXXX payment on XX/XX/XXXX. I am in the midst of transiting into a new job where I will be able to manage my finances better but won't be able to get to work if the car is repossessed. I am asking NMAC Finance to at least give me an opportunity to make these payments and get my account brought current through the new employer that will take effect on XX/XX/2021.
09/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60123
Web
Car loan that is on my report has nothing to do with me at all. This is fraud on what is going on m report. I disputed these charges so many time and no one has done anything to take this car payment loan amount off my report. I never cosigned for the car loan that is on my report and I never cosigned for anything else, so this should never had been on my report. I don't understand why my score is always lowing when in my whole entire life I never had my credit always lose points so much like it has been. Someone really needs to investigate better on these reports when a dispute is amended. One of my reports has showed a high score for me. So I don't understand why these other 2 reports are showing false accounts on my report. XXXX XXXX
03/11/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account status incorrect
  • CT
  • 06812
Web
On XX/XX/XXXX I received a notice from my XXXX that I had a 30 day late payment on my Infiniti account for XX/XX/2020. When I called Infiniti the first time, I provided them not only the debit from my checking account showing the payment, but also their payment records showing the payment. When I called back, they informed me that since there is 31 days in XXXX, and I made the payment on XX/XX/XXXX that caused it to become a 30 day late ... I have been paying on credit for almost 20 years I have never heard of something like this. I have escalated the info to Infiniti, and also submitted a dispute with XXXX. That said, the result of this has caused my current credit score to be below the amount needed to secure a Home Equity Loan ... ..
08/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30117
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • LA
  • 70125
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
12/20/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 23324
Web Servicemember
Nissan Motor acceptance has repeatedly harassed me with regard to my auto lease. On XX/XX/2019, after I had previously received two unanswered calls they called back on my cell number XXXX and asked them to stop calling me. Nissan Motor acceptance then called right back on XX/XX/19 at approximately XXXX. I explained to XXXX that I requested no calls on XX/XX/19. She stated that they needed to verify it was me, I explained that I didn't believe that is true and that they are in violation. I explained that my cell number is a verifiable number and anyone stating not to call the calls should cease. I explained my reasoning for calls due to the number of calls and Nissan not following the law. XXXX says they would not contact me by phone.
11/18/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • AL
  • 36561
Web
A couple months after leasing my XXXX XXXX which I still have I paid the lease off in full. In XX/XX/2018 I moved from XXXX area to XXXX XXXX, AL. Evidently the taxes on a lease change based on where you live. I pulled my credit and a 30 day notice in XX/XX/2018 showed up on my lease that is paid off. Evidently I pay {$17.00} more per month in taxes on a lease payment than I do in XXXX in XXXX XXXX. I was never notified. No mail, no call, no notice. No nothing. Just found a 30 day on my credit. I called Nissan and rep said no problem this makes sense. I will submit for you to be taken off. I paid the {$150.00} in taxes for the rest of the term and received a letter stating that the 30 day will not be taken off and that it is accurate.
04/08/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • IL
  • 60565
Web
I Leased a car through Nissan and I called them in XX/XX/XXXX to discuss deferring payments because of loss of income due to Covid 19. They gave me a 3 month grievance to not pay on the lease. I called XX/XX/XXXX and asked for 1 additional month grievance and were given permission to not make the payment due to my circumstances. Unfortunately my car was repossessed in XX/XX/XXXX. I have spoken to Nissan several times and have filled out packets of information and here we are in XXXX and they have not processed the paperwork to return my car or give me any options. I was told by Nissan that I would get my car back, but every time I call Nissan says its still processing paperwork 3 months late? Any help would be greatly appreciated.
06/06/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 10470
Web
This company reported multiple inaccurate late payments on the account I am making on-time payments on my account and I have a proof that all the payments are all submitted. Late payments you reported in XXXX and XXXX should be removed. I already disputed this account which clearly shows in the Dispute section of the credit report but you fail to correct and do the necessary investigation on this account. The payment I made on XX/XX/2020 shows as current, but the payment I made XXXX and XXXX are showing as late. I do not want to waste my time and money sending dispute letters to this company and they still continue neglecting their duties on reporting the account with 100 % accuracy. This needs to be removed from my credit report!
04/11/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • GA
  • 30044
Web
Just last year I had my car repossessed. I was not able to pay my loan because I was unemployed close to a year. The only way I was able to make money was by helping a friend from time to time and it was enough for anything and could not afford the payments. Last year I was struggling with trying to get a job to catch up on my bills and could not was behind on everything not just the car. This all happened around XX/XX/2017. Since I got my car back I have been making my payments on time and have a great job now and able to manage my money better and stay on top of my bills. I have tried to work with the company to get my repossession moved after showing them that my payments have been good but they are not willing to work with me.
02/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WA
  • 98589
Web
Nissan decided to run hard inquiries on my credit report for 3 consecutive days, totaling close to 17 hard inquiry hits on my report, causing my report to decline drastically. By almost a 100 points. I never gave them written permission to run my report. I only gave them written permission to run my credit one time through the Nissan Website that I already had 5.9 % financing through. Then I bought the car for XXXX $ US dollars, and 8 months later they claim it is only worth XXXX $ even though the car was brand new under factory warranty. Which they don't warranty nothing. They are price fixing, gouging, and currently breaking Anti-trust Federal Regulations. I will be suing them in court to have this removed from my credit score.
10/07/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • VA
  • 23434
Web
On XX/XX/XXXX, the XXXX XXXX XXXX XXXX dealership inadvertently registered and financed the incorrect vehicle in my name. On XXXX, I caught this error and contacted the finance director at the dealership. At that time, I was advised by the director that they would have to send the finance department at Nissan Motor Acceptance Corporation a check to payoff this vehicle. Thus, a check was sent overnight to them on XX/XX/XXXX by XXXX and NMAC received it on XX/XX/XXXX. As of today, this check still has not been processed and this account remains open in my name. I've called the finance department at NMAC at least 10 times to check on this account and as of today it still in the same status for the full balance of that vehicle.
04/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 90680
Web
XXXX, my cousin used my SSN to opened auto loan account at XXXX XXXX XXXX CA XXXX without my permission. I did not notice until my fico score dropped down alot cause he missed 04 times payment. I know it is him because his mom told me that he bought a new XXXX car at XXXX and I find out there was nissan auto loan in my credit report.I asked my aunt and she showed me the contract, I went straight to the XXXX XXXX XXXX and store manager confirmed that is my cousin used my SSN to opened auto loan account.I already reported police but look like they do nothing for my case.My aunt already paid off for his car, but 04 missed payments are still available in my credit record, it make my auto fico score poor now. It is unfair for me.
07/27/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • FL
  • 34953
Web
I bought a Nissan Altima XXXX in XX/XX/XXXX for my son. The car was totaled in XX/XX/XXXX. My insurance and Gap insurance Paid the loan. Through the same loan, the dealer was paid for maintenance for four years. Even though the dealer was paid for maintenance services that was never redeem, Nissan Motor Acceptance Corporation send me a bill without total the amount of money received from the insurances and the refund paid for maintenance services against the loan amount. When I contact them and asked for an itemized bills showing what was paid against the loan among, the customer agent get frustrated and said that I should accept that I own them and send me a letter without showing how they come with the total of the bill.
08/20/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • CA
  • 95409
Web
There was an end of lease inspection in which the inspector charged for items that were in violation of the lease agreement. Examples include a warranty repair and a rim scratch that was two inches long ( contract says charge for more than six inches ). I have written and called Nissan multiple times without a response. Today they sent me to a collection agency and still haven't responded to the original issue. I have been on hold with them at a new number for one hour and twenty-two minutes. At the old number, they give you the option of returning the call but never do so. In short they are violating their contract, don't respond to written documentation and did not follow the law with respect to collection processes.
04/03/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 62260
Web
I was a co signer on a XXXX car loan. The credit agency shows the account listed twice on my credit report instead of once. Then, it shows I was 60 days past due and theres no data for any payments I made from XXXX until XXXX & XXXX. I was not 60 days late and I paid the entire loan off. I would like the information to be updated to show my payments made correctly every month for XXXX and for the account to be listed once not twice and to be shown as the loan is paid off. The reported no data and missed payments and days behind is all listed wrong under XXXX XXXX and XXXX XXXX. ( The other person on the loan ) please correct this info so I can purchase a home. 21 late payments & 60 days past due is also incorrect.
04/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76116
Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
09/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30238
Web
I already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a XXXX balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
05/12/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • DC
  • 20011
Web
My contract for my vehicle states I have a 15 day grace period. I have NEVER been 30 days past due on any car loan ever. Nissan called me repeatedly on day 6 and day 7 in an attempt to collect a debt. Nissan has never contacted me before the 15 day period has elapsed, why are they calling? It appears they are trying to change the terms of the contract. Nissan and NMAC are the worst companies to deal with. Nissan dealer damaged my vehicle and did not inform me. I had to make two additional trips to get the damage they caused repaired. Nissan offered two oil changes in compensation for my inconvenience. I complained about Nissan to the State and I believe these calls are in retaliation for filing a complaint.
02/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NJ
  • 07001
Web
Nissan Motor acceptance has continuously reported inaccurate information as recent as this month for a auto loan that was paid by additional gap insurance i had on my auto. Nissan, has also reported the same account twice as derogatory. I have repeatedly requested the method of verification used to proof the balance owed & have not been provided with it. I have requested to have the items deleted from my credit report & they have not complied. First they reported In XX/XX/2017 that I owed over 13k and just this month they reported I owe {$580.00}. When I spoke with a Nissa rep they said they wasnt certain where the balance was from and couldnt verify it. Please have this item deleted from my credit reports.
05/21/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AL
  • 35661
Web
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.
06/24/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • PA
  • 15241
Web Servicemember
Nissan Motors Acceptance Company ( NMAC ) Loan # XXXX . XXXX I have requested that this company report all my loan payoffs, as well as the payment in full for the vehicle to all XXXX credit bureaus, which they have refused to do. XXXX They stated the law prevents them from reporting the full payment history as I listed the loan in my bankruptcy. They stated even though I am willing to give them written permission to report the payments they are forbidden from reporting the payments. XXXX My mortgage company, who was also listed in the bankruptcy, is reporting my payments after I gave them written permission, and I find it quite difficult to believe there is a different law for automobile loans.
08/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 34787
Web
My complaint is regarding Infiniti Financial Services. They placed an unauthorized inquiry on my XXXX credit report on XX/XX/XXXX and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
12/10/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 15090
Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
01/10/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MD
  • 20746
Web
Nissan Motor Acceptance is trying to charge me for them having to hire a company to repo my vehicle which was n't done due to me paying off the balance that I was instructed to pay. Now a month later I get my bill and it have a miscellaneous charge of XXXX which they 're saying that I am deemed liable for according to my contact which I have read and it does n't state that anywhere on my paperwork. They put my vehicle up for repossession even after I spoke with a supervisor name XXXX and I told him what date I was going to have my full payment that would bring my account up to date. I was told one amount and since I paid the amount I was told that I paid the wrong amount that did n't include my late fees.
07/19/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • CT
  • 06477
Web
The car was surrendered on time on XX/XX/2020. At the time, we were not offered a chance to be there for the inspection by XXXX, citing coronavirus concerns. That is the subject of a different complaint. This is a complaint about the taxes. A tax bill was issued in XX/XX/2020 and covers the tax period from XX/XX/2020 to XX/XX/2020. We have not used or been in possession of the car since XX/XX/2020. We properly had the tags canceled in XX/XX/2020. Our tax obligations on the car until XX/XX/2020 have been paid. Now NMAC is trying to make us responsible for taxes for a period when we have nothing to do with the car. This latest tax bill needs to be removed. We still dispute the remainder of the bill.
07/13/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • FL
  • 33441
Web
NISSIAN Finacial high my name is XXXX XXXX I bought a XXXX XXXX XXXX for XXXX and they put another XXXX on top of it I am three months late I have ask them to help me lower the payment due to me being out XXXX they refused when I bought my car I had XXXX XXXX XXXX and we didn't no what was wrong with it my step father XXXX said mass sensor witch coast XXXX and XXXX say Altinater but don't no and it will coast XXXX just took look at it this is my first car and I got taken for didn't understand and was pressured in to brand new car instead used I want my payment to be the Same XXXX dollars more now XXXX more and about to lose it I need help getting into a new car or lowering payment .Please call XXXX
09/16/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem extending the lease
  • CA
  • 95014
Web
When my 3 years lease with Nissan Leaf was ending, I contact Nissan Motor Acceptance corp, for end of lease instructions, they mentioned Extension of lease with first three payments waiver and 2018 leaf offer as and when available. This is fradulent and they reported to credit bureaus for 60 days late payment. This is giving my immense hardship.Every day I am suffering from negative credit report as I am not able to apply for any loan or credit checks. They offer payment waiver and misguided consumer not considering the Agreement. I am seeking help. I contacted multiple times. There is no information or details about 2018 Leaf, it has been almost 5 months in extension of lease. I am seeking help!!
09/18/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • CA
  • 92584
Web
The company used my credit card to finance several loans, after receiving a cash deposit made by me. After a few months of being in possession of my new credit card the company began to harass and threaten my place of employment due to an unsuccessful/incomplete application. The error was caused by the negligence of the employees representing the company, yet they blamed me as well as failed to communicate the issues with me in a timely and respectable manner. The company is trying to assume the position and steal my identity. The company has willfully ignored my demands for settlements, refused to surrender my property as agreed. They have refused to return the full amount of the cash deposit.
08/31/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32404
Web Servicemember
I purchased a used from you XXXX XXXX XXXX. In less than 3 weeks, we had to return the car twice. I contacted the you as well as XXXX. You didn't want to help us with the car, so we surrendered the car because the car was no good. YOU the dealership didn't give us a buyers guide and the car was in an accident. Lots of info was omitted.. If we would have known this, we wouldn't have purchased the car. We disclosed this with the bank and the car was sold at the a auction. I didnt even have the car for a month when it was returned.. plus .. we didnt even know the timeframe for it to be returned. This account is already settled needs to be delete. I got my down payment back. Fix my credit report!!
08/25/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • AL
  • 35235
Web Servicemember
I want to know why the amount of interest that is being charged to my account fluctuates if my principal is going down with a fixed interest rate. I have a fixed 5.1 % interest rate and the interest being charged goes up and down seemingly at will with the principal being less than the prior month. My car payment has gone from {$420.00} to {$480.00} with a fixed interest rate. There are no missed or late payments. I called the finance company and they said that my payment has " flipped '' and there was nothing he could do about because that's the way his company works. Also I paid {$500.00} a month for the last 4 months. I want to know why my car payment went up beyond the contract agreement.
03/18/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NJ
  • 07022
Web
This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and XXXX until this issue is resolved. In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!
01/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
Web
My lease account from Nissan started in XX/XX/XXXX. My car was involved in an accident in XX/XX/XXXX. My insurance paid the remainder to NMAC in full, a payment of {$15000.00} was made to NMACE in XX/XX/XXXX. NMAC still shows that my account has 4 late payments adding up to more than {$1000.00}. This is not correct, the car is completely paid off. I called NMAC, they said they will fix it but they did not. I asked them to correct the information on my credit report, they asked me to submit a dispute and they will act accordingly. I submitted a dispute on XXXX. The dispute processing was completed and the account still shows the late payment. This brought my credit score from XXXX to XXXX!
03/27/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91326
Web Servicemember
I am a co-signer on my husbands lease account with XXXX XXXX XXXX. There have been two 30 day late payments reported to my credit report without me being notified that the payment had not been made. My husband and I are currently separated. I never received a phone call or a letter about this account running or being late. This is unfair and unethical. My credit should not suffer for someone else 's mistakes. I am the CO-SIGNER and not the primary account holder. If someone called me from XXXX I would have made the payment myself. The first late payment was in XX/XX/XXXX and the second late payment was XX/XX/XXXX. I reported this information to XXXX but a thorough investigation was not done.
01/26/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AZ
  • 85323
Web
My name is XXXX XXXX owner of XXXX XXXX. On my office phone we have been receiving calls for months from Nissan Motor ... XXXX asking for an employee who does not work in the office, he works at XXXX sites. We informed the employee when the first calls came in and informed Nissan Motor the same. Nissan Motor has continued to call sometimes three times a day. I have informed the call multiple times to stop calling and they just say thank you and call back. These calls have impacted my business as we have only one line and only one or two people in the office. The phone in my office is XXXX and the caller is asking for a XXXX XXXX. Please help in making these calls stop. Thank You XXXX XXXX
05/30/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • WI
  • 53092
Web
In XX/XX/XXXX Nissan offered to extend my contract and move my payments for XX/XX/XXXX and XX/XX/XXXX to the end of my contract. I agreed to the arrangement and made a payment of over {$1100.00}. Instead of marking my account as " paid as agreed '' for the month of XX/XX/XXXX as originally stipulated, Nissan has erroneously marked my payment for XX/XX/XXXX as late. This is negatively impacting my credit score and I need it fixed immediately. Additionally, Nissan has failed to report my last two payments in XX/XX/XXXX and XX/XX/XXXX which is also negatively impacting my credit score. Finally, Nissan is not reporting this account to XXXX which is also negatively affecting my credit score.
01/09/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • CT
  • 06457
Web
We bought a pathfinder ( used ) from XXXX Dealer. After fixing the price, they told us to wait due to system glitch with XXXX. At the finance table, they increased the price of the vehicle and forced us to take fiance from Nissan Motor Acceptance Corporation. They charged us unreasonable percentage of interest without based on any credit rating. Every XXXX Dealer is using the same tactics to grab the customer and charge the rate of interest of their own wish and Naming Nissan Motor Acceptance Corporation. Looks like Nissan Motor Acceptance Corporation is also including in this scam. Dealers does not provide us available options and if someone find out they increase the price of vehicle.
03/25/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • VA
  • 20111
Web
I had purchased a XXXX van from XXXX Nissan of XXXX. The car was priced at {$16000.00} plus taxes and fees. And I had a down payment of {$5000.00}. The car total came up to {$19000.00} including 7.94 %. But when I received my first month payment I realized they bumped my loan to {$29000.00}. Its clear that instead of taking my {$5000.00} deposit off they actually added it as an extra. I have been going to dealer to fix it however I keep getting thrown out and being yelled at. They think because I am XXXX and I dont speak English well they threatened me with reporting me to INS. I need this problem to be rectified. I have attached the car purchase price and also the finance contract.
01/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 14075
Web
It is understood the Fair Credit Reporting Act ( FCRA ) requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. XXXX has received 90+ requests for these Nissan records in the past 188 days. Upon phoning XXXX XX/XX/21 XXXX 's agent XXXX employee # XXXX confirmed the existence of verified records ( lease document, etc. ) provided by XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX but refused provision of these business records relating to transactions and accounts. Please ASAP, without further obstruction, email XXXX these Nissan records XXXX verified existed.
11/19/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • CA
  • 93722
Web
I had a lease with XXXX XXXX XXXX that ended XXXX of 2018, I paid my last months dues and thought I was finished. XXXX claims to have sent me an invoice regarding a {$390.00} " Disposition Fee '' however I never received any letter or invoice stating how much was due. Even if the amount was due I have screen shots of my balance at {$0.00} owed and was not allowed to log back in once I made my final payment. I received a collection letter from an agency requesting a payment of {$390.00}, I don't want it reflecting on my credit report as I never knew this amount was due and was not informed of this in anyway. XXXX claims to have mailed letters but theres no proof of delivery
03/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 32578
Web
On XX/XX/2019 I went to buy a new car at XXXX XXXX in XXXX XXXX XXXX florida, they pulled 4 or more inquiries that we did not authorize on my husband and Is credit report. We are currently trying to buy a house but all these inquiries are making it hard. I want them removed. I was in a car accident that was not my fault, I had to buy a new car, I was injured, now they are having an impact on our financial goals. These are the names i found : XXXX XXXX, XXXX XXXX, NMAC, XXXX, and XXXX XXXX. This is not right and we did not know that they did this to us. Not to mention my experience buying a car at this location was awful! Everyone I know has had bad experiences with them.
11/16/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NJ
  • 07630
Web
I spoke to XXXX XXXX on Thursday XX/XX/XXXX in regards to my outstanding lease term balance of {$2900.00}. I asked the representative to get me on payment plan to payoff the remaining balance, I was told that XXXX XXXX does not offer any payment plans and that the balance would have to paid in full by XX/XX/2019 or my account would go into collections and be reported to all the major credit bureaus as a collection.The {$2900.00} is a significant amount to be paid in one payment and the repercussions for not making that making are quite severe, this would have serious impact on my credit score. I want to pay my balance however I need a practical payment plan in order to do so
09/29/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • FL
  • 33916
Web
Hello, I am struggling to keep up with my car loan, The amount I pay is XXXX The problem is that since XX/XX/2020 The president declared waived no payments for 3 months, I am not getting the same amount of my monthly income that I used to have. Since the pandemic hit the U.S I have then called Nissan Financial That we came to an agreement of paying {$260.00} As of now, since then In XXXX they have called me multiple times Saying that I have only done half payments and want full payments They don't understand there's hundreds of people now with evictions and Nissan has kept calling me about full payments twice in XXXX and XXXX. I can only afford to do the payments of XXXX.
07/17/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • TX
  • 79912
Web
I signed a contract for a used car loan on XX/XX/XXXX, before leaving the dealership I asked if the deal was closed, both the managers and financial manager said yes. I left thinking everything was great. I get a call XX/XX/XXXX that the loan was not approved and I need to return the car. I contacted the bank and theyre telling me that the dealer is not accepting their terms. I asked the dealer and theyre said that the bank did not accept their terms. I have reason to believe that the dealer is pulling a yo-yo scam on me. Please help. That car is my only means of transportation for school and work and I can not just return it, especially since I signed a previous contact.
03/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NV
  • 89436
Web
NMAC reported a charge off reporting to the three credit bureaus - I have a letter from NMAC dated XX/XX/2016, they accepted the settlement amount of {$3600.00} and would report the loan as paid full and remove the charge off. They reported the charge off almost two years later. I disputed the charge off with the credit bureaus but it came back as accurate. I did not communicate with any collection agency only with NMAC. My understanding is that if they sent the letter and received payment for the balance of the loan why do they get to report a charge off. I did not receive a XXXX from them so how do they legally get to write off a loan that has technically been paid.
07/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33023
Web
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX Account Number : XXXX This is not mine. 4. Identity Theft Account Number : XXXX This is not mine. 5. Identity Theft NISSAN MOTOR Account Number : XXXX This is not mine. 6. Identity Theft XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
02/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07111
Web
I had a Nissan Lease account From XXXX until XXXX. The account has been closed but still reporting as open. Last week I called to make the payment that I owe them. Spoke with a woman named XXXX on the recorded line. She explained that the debt is old, it should no longer report to my credit, and they are no longer pursuing me. I called to pay it off in good faith. It now is being reported as a negative account when it shouldnt even be on my reports anymore. Its an account thats been settled in good faith. Its 8 years old. Ive tried to dispute it but can not. This has dropped my credit from XXXX to XXXX. Harming me terribly. Please let me know what can be done here.
10/31/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77084
Web
The below listed " LATE PAYMENTS '' that are being reported within my credit report is inaccurate account information. I have never been late with my payments on these accounts. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of XXXX, XXXX, XXXX the credit reporting agency or the original creditor. Whichever it is, the fact remains ... these late payments are incorrect payment history information. ( Late Payments Here ) NISSAN MOTOR ACCEPTANCE ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX )
07/25/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • MA
  • 02148
Web
Received alert from credit monitoring website on XXXX that XXXX lease account was 30 days past due which I could not understand why because my wife and I had been making monthly payments on time to our knowledge. After numerous calls to XXXX they discovered that a payment was missed or not complete for the month of XXXX 2016. After consulting my wife, we found that XXXX was correct however they did not take the appropriate measures to contact us so that we could resolve payment issue before it was reported to credit bureau. My wife and I who are both on the lease account have a perfect payment history and feel that XXXX fell short in helping us prevent this issue.
06/10/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 12866
Web
I XXXX XXXX paid off a vehicle lease several years ago. However, the loan company Nissan-Infinity still has me reported with a balance of {$350.00}. That is not possible if this same company shows the lease status as a full termination. I have protested this reporting with XXXX and the matter was not sufficiently completed with a proper reinvestigation. Accordingly, I believe the matter should get resolved, whereas the balance should show as XXXX. This correction is necessary to fulfill the obligation of Nissan-Infinity with XXXX under their subscriber agreement with the credit reporting agencies in general. This credit item needs to be corrected immediately.
03/22/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 75570
Web Servicemember
On XX/XX/2019 Nissan finance called me at work. Never attempted to call my cell phone. Advised me I was 11 days past due. I told CSR I had made a half payment 2 weeks ago and I was going to make the other half XX/XX/19 but please do not call me at work. I made a full payment on XX/XX/19 online early that morning. At XXXX they called me at work again to collect this debt. After a full payment had been made online and i am currently a half payment ahead. This is harrasment. I have a clean pay history with Nissan. I have 2 vehicles financed through them and have been a long time customer. I advised the CSR that called me this morning i would file this complaint.
09/02/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • UT
  • 84081
Web
Nissan motor-acceptance. Their system was down for a full week during this week I traded in my XXXX XXXX XXXX. Because they had a system wide error. You were not able to gain access to your account via phone, website or app. Because the dealership was unable to verify payoff of my trade it delayed the payoff from being processed since then my account has reached 10 days past due, Ive received 4-5 calls per day since I hit 8 days past due. Theyre aware that a payoff is coming, Ive repeatedly requested no contact other than email from them. Today alone Ive received 4 calls after requesting a do not contact, Per CFBP max attempt is 3 times per day per number.
06/20/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29715
Web
I purchased a XXXX XXXX XXXX off the lot. During the purchase I was guaranteed that XXXX would lower my interest rate after 6 consecutive months of on time payments. 3 years later and nothing. I 've called and got the run around. Gone to the dealership and they say I have to call. The bigger issue is a late payment they reported about 2 years ago that was their fault because my bank said they did n't pull the payment out. I 've asked to have it removed since it was n't late and the money was there as well as my branch manager confirming how the transactions always occur monthly. It 's not fair to continue to carry a negative that does n't belong to me.
01/11/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • GA
  • 30248
Web
I've reached out to NISSAN MOTOR ACCEPTANCE and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report which violates federal law. Account Name NISSAN MOTOR ACCEPTANCE Account Number XXXX Account Type Auto Loan Date Opened XX/XX/XXXX Late : 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/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
12/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CT
  • 06604
Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
12/27/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 93036
Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
12/27/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • LA
  • 70433
Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
07/28/2020 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90260
Web
I was contacted in XX/XX/XXXX by a debt collector and made aware of a loan fraudulently opened with my identity with a Nissan dealership in XXXX, CA in XX/XX/XXXX. I did not have sufficient credit to obtain a loan at that time. I do not understand how someone purchased a vehicle without proper identification or documentation such as social security card, employment pay stubs, etc. I filed a police report and have tried numerous times to get information on who the salesmen was and who the finance officer was that approved this loan without proper identification with no success. The dealership will no cooperate nor give my any info or return my calls.
07/23/2020 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90260
Web
I was contacted in XX/XX/XXXX by a debt collector and made aware of a loan fraudulently opened with my identity with a Nissan dealership in XXXX, CA in XX/XX/XXXX. I did not have sufficient credit to obtain a loan at that time. I do not understand how someone purchased a vehicle without proper identification or documentation such as social security card, employment pay stubs, etc. I filed a police report and have tried numerous times to get information on who the salesmen was and who the finance officer was that approved this loan without proper identification with no success. The dealership will no cooperate nor give my any info or return my calls.
12/15/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 93307
Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
07/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CO
  • 80538
Web
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
07/30/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • GA
  • 30710
Web
I recently tried to purchase a vehicle for XXXX XXXX Nissian XXXX XXXX XXXX XXXX XXXX Ga XXXX. They " supposedly '' had me approved and I signed the paper work and left the dealership with the auto. 3 weeks later after no response from the dealership regarding multiple denial letters I had recieved in the mail I was told I had to return my vehicle because they were unable to get the approval needed. Upon further insights I found they had ran my credit 14 times through various companies making my already poor credit score suffer even more. Making it impossible to even be reconsidered for financing. Just feel this is very unethical and please help.
02/25/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • CA
  • 90044
Web Older American
In XX/XX/2013 I got a car loan at XXXX Nissan Motors in XXXX XXXX California But this car a few months late we discover that it vehicle was hit and the seller never said about this we went to make a report at Nissan consumer and they do n't did anything to help us one year late this same car was bringing to maintenance and in the passenger sit had some drop of water I told to the person at charge to deliver the car and to the manager but they said could be some water in one month late this sit had a hole when I show the sit to the manager they said that perhaps my husband gave a shuttle to somebody and this person smoking they never wanted help
11/14/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • LA
  • 70605
Web
In XXXX 2013 my sister I were shopping for vehicles and a dealer at Nissan incorrectly put my name on her car loan. I purchased my vehicle the next day from a different dealership. I checked my credit report serveral months later and saw the mistake. Nissan refused to change the paperwork and my credit and dti suffered tremendously from this error. I have disputed this account serveral times and only one of the credit bureaus removed it from my report. All payments made to the account were made by my sister from her bank account and not mine. I believe this was an illegal straw purchase made by the dealer on behalf of dealership to make a sale.
10/05/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30034
Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NISSAN ACCEPTANCE CO has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
09/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11701
Web
On XX/XX/XXXX I filed a complaint with your agency ( complaint ID XXXX ) regarding a lost check of {$660.00} not being applied to my NMAC account and my credit score reflecting this. The company sent paperwork XX/XX/XXXX stating the issue was resolved and I was satisfied because my report showed a {$0.00} balance. Unfortunately, after your agency closed your investigation, NMAC doubled back into my XXXX credit report and reported a late payment for XX/XX/XXXX, which is damaging to my credit, as late payments stay on your report for 7 years. The car was totaled on XX/XX/XXXX and in XX/XX/XXXX i was still fighting to have them credit my account.
05/10/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • UT
  • 84107
Web
I traded in my Nissan Truck lease XX/XX/XXXX to XXXX XXXX XXXX XXXX, UT XXXX XXXX paid the lease off XX/XX/XXXX Nissan claims to have received check XX/XX/XXXX I contacted Nissan XX/XX/XXXX about the pay off they said they have the check but are holding it. I reached out to XXXX XXXX who then called Nissan 3x and sent them over what was needed repeatedly. XX/XX/XXXX XXXX XXXX reaches out to them again they still want the same paperwork that was already sent to them XX/XX/XXXX account is still open Nissan will not respond to me or close my account even though they have the money in their possession to pay the lease off and close the account.
03/13/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 07513
Web
Nissan infinity Lt, I have 2 late payments that were not late and I was told it was theirs mistake they will be removed for the simple fact we had automatic payment setup then down the line as I spoke with different customer services reps every one had a different story all of a sudden they say we didnt set up automatic payments so I assumed they were automatically taking the payments XX/XX/2016 they gave me a late payment and XX/XX/2016 they also gave me a late payment for that month even tho I had setup automatic payments with them and on several different Occasions I was told they would be removed but they never removed the late payments.
04/10/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • TN
  • 38016
Web
On XX/XX/2020, Nissan Motor Acceptance Corporation posted a payment of {$19000.00} to my account. I attempted to reach NMAC several times via phone and live chat, but was unsuccessful. I assumed that the payment was made by a family member or a philanthropist attempting to assuage some of the stress related to the pandemic. On XX/XX/2020, I logged into the NMAC website and saw that my account was closed. I received a letter certifying that my contract was fulfilled, and my lien was released. On XX/XX/XXXX, I logged into the website again to find that my account was reopened and past due. I have still had no success reaching a representative.
12/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19116
Web
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX XXXX, XXXX XXXXXXXX and INFINITI FIN SVCS add a hard inquiries on my credit reports. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
12/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • LA
  • 70072
Web
I certified mailed letters to Nissan Motor Acceptance Corp. on XXXX XXXX, 2020, in regards to a closed account erroneous, incorrect and unfairly reporting on my credit reports. I asked that the company provide the following to prove the account belongs to me and should be reporting on my credit reports. Nissan Motor Acceptance Corp. failed to respond to me within the given 30 days stated in my letter. I haven't received a phone call, email, or letter in regards to my letter and I ask that the account be removed from my credit report due to failure to prove it belongs to me. Attached are the letters, certified receipt, and delivery receipt.
07/20/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TX
  • 77433
Web
XX/XX/XXXX, Nissan-Infiniti LT contacted me, via a letter. The letter stated that they could not compete my request because I did not have the full account number. XX/XX/XXXX, Nissan-Infiniti LT again contacted me via a letter. They stated the lease terms can not be altered for me. IFS must administer to the terms of the contact that were agreed to at inception. XX/XX/XXXX, I, XXXX XXXX XXXX contacted Nissan-Infiniti LT via a letter. This letter discussed the reasons for my hardship. I was arrested and taken to jail for resisting arrest. I had to pay for a criminal lawyer to get my case handled. Also, I was XXXX XXXX XXXX XXXX at the time.
02/03/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 22554
Web Servicemember
I previously filed a CFPB complaint on Nissan In which I requested the following : 1. Copy of contract 2 . debt collector declaration form 3. signed agreement or verifiable proof debtor has a contractual obligation 4. any agreement that bears the signatures of the debtor. These items were spelled out in the documents uploaded. However Nissan responded with only the first 2 pages of the alleged contract and an alleged payment history. The CFPB case was closed without the items requested. Additionally I am requesting any and all information on any and all insurance policies related to this alleged contract. Prior CFPB complaint # XXXX
10/15/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • WV
  • 25674
Web Servicemember
In XX/XX/XXXX I called Nissan Motor Finance to get a two month extension that they said I was approved for. In Early XX/XX/XXXX they were calling me and telling me I was 3 months behind. I told them I was not because I got the two month extension. They said I was approved for it but it wasnt applied. So I told them to apply it because I was already approved for it. They said they couldnt because I was showing three months behind. I told them that if they would have done it when it was approved I wouldnt be three months behind. I told them that I was going through a lawyer to file bankruptcy and now they are trying to repo the vehicle.
02/21/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • CA
  • 94546
Web
My three year Nissan lease expires next month. I have been informed by Nissan NMAC that I must pay : - {$390.00} for a Disposition Fee - {$230.00} Excess wear for three small scratches ( two are on the hubcaps ) The Disposition fee was never disclosed while at the dealership when I signed the lease. The fee for three small scratches is exhorbitent. It is impossible to drive a car in the XXXX XXXX for three years and not get a scratch on it. These hidden fees are abusive. Attached is the correspondance I have had with Nissan NMAc to resolve this matter. I would welcome any assistance you can provide me. Thanks, XXXX XXXX XXXX
05/01/2020 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Struggling to pay your loan
  • FL
  • 34949
Web Older American
Im upside down by XXXX % I have tried to trade down and to no avail .Numerous times I have tried to contact the dealer but didn't respond.Recently I contacted XXXX XXXX and their response was cold and rude as if I didn't exist.They wanted my address to pick the car up only to extent with a late fee the payment .I explained my income is at halt due to the health crisis and it effects me most because Im in the XXXX field and limited if at all my income is not as reported now it is limited to fixed and i will not make it at this rate. At the inception of the loan the income report the dealer gave is not correct it was inflated.
04/11/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 90012
Web
I recently did a lease buyout on my XXXX vehicle. Both the dealer and Nissan/XXXX XXXX, who the loan was with, told me not to make my last payment as it would be paid through the lease buyout. I asked them repeatedly if they were sure and it wouldn't affect my credit. They both assured me that it would not negatively affect my credit. Unfortunately, it has been reported as a late payment and severely impacted my FICO score. I would like this 30 day late payment to be removed from my score as it is not accurate per their direction, from the actual creditor who informed me not to pay it as it would be paid by the lease buyout.
09/22/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07003
Web
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.
12/31/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 21012
Web Servicemember
I noticed Nissan on my credit report with a name XXXX XXXX. I contacted them about removing this inaccurate information on my credit report. I explained this was inaccurate, fraud, and requested all legal documentation by law - Any information bearing my signature, contract, etc. I received nothing. Just your responsible. By FTCA section 609 ( b ) validation of debt and proof of signature with original contracts are required to repeatedly reporting these inaccuracies is a crime.I never received any legal information or documents I have requested required by FDCPA or FCRA. I will seek legal action if not immediately handled.
08/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 10603
Web
At the end of my lease with infiniti, I went into a new lease with them. The dealership waived my last payment and I have had my new car for 15+ months. The outstanding last payment of {$430.00} that was waived by the dealership through infiniti financial services has not been updated as closed and is still showing as an open balance. Ive tried to resolve this through them and they have not helped at all. This is my last attempt to have it removed before my attorney becomes involved for falsely reporting this outstanding balance for more than a year. My brother was a co-signer on this lease and its causing him harm as well.
01/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85140
Web Servicemember
Nissan Motor Acceptance Corporation continues to report a " delinquent '' account on my credit report. This account was included in my husband 's bankruptcy which was discharged on XX/XX/2018. Copy attached. Per Arizona law, spouse debts are included in the bankruptcy even if only one spouse files and are discharged as well ( marital property ). Motor Acceptance Corporation has responded to CFPB ( Case No XXXX ) and myself that they do have a debt against me separately. This is not true and unlawful. They have removed the account completely from my husband 's report and should do same for my credit report immediately.
10/26/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • AR
  • 72753
Web
Nissan XXXX are in breach of contract. I was told that i could pay the load the way i am paying it. I have made this type of payment from the start which, regardless of what was discussed at the dealership, nissan XXXX agreed to this method by accepting the payments and never complaining until recently, here are the payments made as far back as Im able to go with my back. Nissan has removed the payments on their web page. Odd that i dont see one payment for XXXX in this list and you would think that in a 3 year span, had the amount i had been paying not been agreed upon, they might have had objections before now.
02/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33020
Web
NMAC ( Inquiry :XX/XX/2019) add a hard inquiry on my credit reports. I did not authorize anyone employed by these company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these company and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file.
01/17/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • TX
  • 77504
Web
Previous vehicle sold to me were under false pretenses and misleading information. The vehicle had manufacturer defects as it was just redesigned with defects that weren't found during manufacturing. A similar vehicle was obtained to replace the defective vehicle and several ( 15 ) credit inquiries were made to approve a line of credit to finance the vehicle sale. The attached retain installment contract is not accurate and the dealership along with the manufacturer needs to remedy the situation by replace and repurchase the vehicles and any and all possible solutions to rectify the situation to avoid litigation.
06/30/2020 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76426
Web
I sent a certified letter to Nissan that was a Request to Validate Debt on my credit report. I did not receive a response. On the envelope that I sent and in my letter was my address. Nissan claims to have sent me a response back but I never received it. I then filed a complaint against them and now they all of a sudden they have a letter to me. Where is the proof that it was mailed? And they didn't send it to the address I listed on the requested certified letter. I have not lived at that address they sent it to supposedly in 1.5 years. See my letter and proof of mailing attached and then see there information.
09/17/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • MS
  • 39452
Web
I purchased a vehicle from premier Nissan on XX/XX/XXXX. When purchasing this vehicle I traded in a XXXX XXXX. The dealership is refusing to pay off the vehicle. I was informed today by XXXX XXXX that I am still responsible for the payments on the XXXX XXXX even though I do not have the vehicle. I have attempted to speak to several people. I went to the dealership and waited for 3 hours to speak to someone. The receptionist finally put me on the phone with someone who said that she will call me back. I am not able to purchase a tag without them paying off the car. The state charges extra for late tag purchases.
07/14/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • CA
  • 94122
Web
In order to get my ex husband off my car title, I had to refinance my car because he was a co-borrower on my loan with Nissan XXXX. I refinanced my car officially in XX/XX/2021, and have yet to receive a lien release from Nissan XXXX, despite having called and asked 4 times. I am unable to register my car and get my ex husband off the title without this lein release per the DMV. I have since moved to XXXX from XXXX, and have STILL not received the lein release despite calling and asking for it to be sent to my new address twice, in addition to having called twice and requesting it be sent to my old address.
01/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NE
  • 68133
Web Servicemember
XXXX has taken an account out of it's bankruptcy status and put it in a repossession status. This has been an ongoing issue with XXXX and XXXX XXXX ( see previous complaint in which XXXX failed to respond to ). This is a clear violation of the FCRA and the bankruptcy protections. This account also updated previously that it was repossessed in XX/XX/XXXX. The account was closed in XX/XX/XXXX. I disputed the payment history because it was inaccurate and they remove it from the bankruptcy all together. Additionally it now lists the last payment was {$420.00} which is inaccurate and the date of delinquency is off.
11/04/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • AR
  • 72753
Web Older American
I have paid XXXX dollars, sometimes XXXX per month for over 2 years, never an issue. I recently contacted XXXX XXXX and was assured that due to the 2022 maturation date and my having 75 % of that amount paid, the XXXX was fine. Just last month they decided it wasnt. After the first argument, i told them not to contact me and have told them 3 consecutive times. They still call me 2 or 3 times a day. I recently had a XXXX and i have XXXX XXXX XXXX. They are trying to change the rules of my contract and then harassing me for their mis-understandings. Breaking the FDCPA rules and therefore my rights under the law.
08/06/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • TN
  • 37738
Web
Went to XXXX XXXX XXXX in XXXX TN to purchase XXXX XXXX. When it came time to get with finance dept. the gentleman XXXX XXXX XXXX ) helping/robbing me told me I HAD to purchase extended warranty to get any financing. He added a {$1500.00} " XXXX XXXX XXXX premium to my contract. I had purchased from this dealership previously and was told the same thing. At that time I did n't think to question it. That finance guy was XXXX XXXX, who I just learned was been promoted to management of the dealership. Guess I know why. Sells exorbitant policies to people every chance he got to increase his sales and commissions.
10/10/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • MA
  • 02420
Web Older American
This is a secondary Complaint to Complaint # XXXX : the answer from Nissan Motor was entirely unresponsive. HEADLINE : I have, and have attached, legal Power of Attorney. There were numerous docs sent with Complaint, but I am sending only 1 attached document. I ask for a responsive answer to Complaint # XXXX, base upon the fact that I possess Power of Attorney for the owner of the financial document, XXXX XXXX. I have submitted a Response to Nissan Motor 's Answer as being unresponsive : kindly, submit a productive answer ; or open a dialogue in order to resolve this matter and prevent further action.
06/08/2017 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Called before 8am or after 9pm
  • CA
  • 91106
Web
" XXXX '' from Nissan Motor Acceptance Corporation called me on XXXX XXXX , 2017 initiating the call at XXXX XXXX registering on my voicemail at XXXX . He called me on my cell phone that is registered with them and caller ID registered him as calling from XXXX XXXX XXXX . XXXX I have been having a hard time keeping up on my bills since I have been hospitalized so many times the past year and in XXXX of last year XXXX did the same thing to me! My area code and physical location are both in California-I have not been traveling, Nissan broke the law again in calling me before XXXX .
09/14/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • CA
  • 92630
Web
XXXX XXXX XXXX promised me XXXX a new XXXX XXXX if I traded my car in they would use part of it as a down and the rest cash, they said oh they can do it then they change their tactics saying I need to put XXXX down I am complaining to the Nissan Motor Acceptance Corporation Fulfillment department for denying credit, I was discriminated against for credit denial, I want to purse this matter XXXX XXXX XXXX needs to give the XXXX for XXXX down, and low payments, they pressured me into trying to get it wonder if they took my trade, then I could not even maybe get my car back and would have to return the car,
10/16/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 27612
Web
In XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX. We immediately enrolled in auto pay and were instructed to pay the first two payments via check which were cashed on time. The XX/XX/XXXX payment was not drafted by XXXX XXXX and in XX/XX/XXXX I contacted XXXX XXXX, they immediately waived the Late Fee and drafted the payment. Over the last 4 years I have continuously disputed the Delinquency on my credit report. Today I contacted XXXX XXXX again and they gave me the case number that has been passed to the credit bureau 's which is XXXX where they agree that this should not be a delinquent account.
05/03/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77379
Web
In the summer of 2018 I asked XXXX for a skip a payment option. It was approved but for some reason seems to have caused some confusion on my loan. After that request XXXX reported a 30 day late payment in the month of XXXX to XXXX. XXXX also reported a 30 day late to XXXX for the month of XXXX but marked the month of XXXX ok on XXXX. Same applies to XXXX, XXXX reported a 30 day late to XXXX but marked XXXX as ok on XXXX. So the company has reported inconsistent information during the time that I was approved for a skip a payment. This 30 day late keeps fluctuating between XXXX & XXXX between reports.
06/28/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem related to refinancing
  • FL
  • 32809
Web
In XX/XX/2017 I went into XXXX XXXX to trade my XXXX XXXX XXXX. During the process of trading I was told that after 6 payments I will be able to refinance for lower payments. It has been XXXX year since I've had the car ( more than 6 payments made ) and have not been able to refinance. They did not explain to me that during the " Trade in ' that the remaining balance left on my XXXX would be transferred to the new XXXX. They told me that they paid it off. I am now stuck with a car that has negative equity with a monthly payment of {$560.00}. The payments are too much and they aren't helping me fix it.
06/06/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • IL
  • 60506
Web Servicemember
I purchased a lease through XXXX and paid off the lease before the end of my lease in full. I decided to turn the lease into XXXX early considering it was paid off in full and I was charged an early termination of the lease in an excessive amount of $ XXXX and now show a balance saying I owe an additional amount of {$480.00}. I feel this is not fair considering the lease was paid off and i had a credit balance of over 5k when the lease was returned and XXXX charged my account this excessive early lease termination on a lease that was paid in full and I feel, I should not have been charged that amount
03/17/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Problem after you declared or threatened to declare bankruptcy
  • AZ
  • 85233
Web Servicemember
Per letter of XX/XX/2020 to CFPB, Nissan Motor confirms that my husband 's bankruptcy was in fact correct. They have removed the trade line for him from all credit reporting entities. As our attorney confirmed today, same should be done to my credit report, this is NOT a charge off as being reported and Nissan continues to report late pays. The trade line should be removed as was done for my husband. The debt is one in the same! Prior to having our attorney file a complaint against Nissan Motor and moving with litigation, I ask that it be removed from credit history as was done with my husband.
04/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28376
Web
I have a car loan from NISSAN MOTOR ACCEPTANC, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called NISSAN MOTOR ACCEPTANC and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and NISSAN MOTOR ACCEPTANC with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
03/16/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Problem after you declared or threatened to declare bankruptcy
  • AZ
  • 85233
Web Servicemember
Nissan Motor Finance continues to report " late '' payments and a balance after the debt was discharged through my husband 's bankruptcy which was discharged XX/XX/18. XXXX. This information has been repeatedly disputed via the credit reporting agencies to no avail. This reporting is illegal. As well lender is not reporting sale amount against total amount due. No late payment reporting is appropriate as US Bankruptcy protects the spouse of the person who was discharged. Only proof of the BK was attached to Nissan Motor 's response. Further action will be taken if not resolved at this time.
01/30/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CO
  • 80010
Web
I traded in my vehicle for a new vehicle. The company that i traded in the vehicle with said that i didn't have to make any more payments once i traded in the vehicle. That the only payment i needed to make was for my new vehicle. However, the motor company put a late pay on my report because the company didn't fill out and turn in the paperwork on time before my payment was due. They said that i needed to dispute it with the bureaus and it would be removed but i did that and it isn't being removed. It is effecting my ability to get the best interest rate for the home i am trying to purchase.
10/20/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • AL
  • 35124
Web
I applied directly with XXXX this a.m. of XXXX, XXXX, 2018 through their website and received a credit score of XXXX from XXXX ( see attached ). I was denied due to a bogus claim of excessive account balances ( see attached ). I do not have excessive balances. The accounts I do have are low balances where most of these balances will be paid off next month. I do not know what is going on with auto financing, but I am well within the approval guidelines to be approved for an auto loan. I am, presently paying {$350.00} a month.This consumer has been unfairly assessed by this finance company.
04/25/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77406
Web
Hello my name is XXXX XXXX. I have a problem with my loan company. They are reporting that my account is 60 days pass due and it not accurate. I spoke with them on the phone and the rep told me that the system will automatically do 60 days when it had only been 30 or more days but never 60 days. Leagally how can they put me at being 60 days when it hasnt been. Speaking to them is very confusing and it hurts me to talk to them. I dont understand. They are very tricky with there system and its a way to keep the customers in bad ratings with there system. They can look me up by my socia! XXXX
11/06/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • MD
  • 21655
Web
My car payment was set up to automatically deduct from my bank account. It did this for 59 months. For the last month, it did not deduct the payment. They did not notify me of this, and if they sent me a statement, I must have tossed it as junk mail. Today I got a certified letter that the account was overdue and they were repossessing my car. I had to pay late fees & a payment by phone fee to pay the last payment that Nissan Motor Acceptance Corporation was supposed to have deducted from my checking account. And my otherwise perfect credit score now has a late payment thanks to Nissan.
08/28/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • CA
  • 91724
Web Servicemember
I supplied NMAC MOTOR ACCEPTANCE CORP. WITH REPORTS AND DETAILED INFO ABOUT MY IDENTIFY FRAUDULENT LOAN OF {$13000.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I BEEN TRYING TO RID THIS FROM MY RECORD MANY TIMES. THEY REFUSE TO TAKE ACTIONS. I FILLED OUT THERE PACKET AND SUPPLIED ALL REPORTS. THEY KEEP SAYING IT'S EITHER IN REVIEW OR SEND IT AGAIN. I'VE BEEN HARRASED CONTINUALLY BY THEM AND THERE 3RD PARTIES. I'M NOT RESPONSIBLE FOR THIS LOAN AND WANT IT OFF MY RECORD. NOW THAT IT'S BEEN OUT OF A CERTAIN TIME FRAME THEY REFUSE TO HELP. I CALLED AGAIN TODAY AND THEY ARE UNABLE TO TAKE ACTION.
04/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11798
Web
I had a lease with Nissan/XXXX opened in XX/XX/XXXX always paid note on time never later, no issues.. in XX/XX/XXXX there was and incident with my car also in XX/XX/XXXX got a new car.. XXXX paid off the old loan that I had originally opened in XX/XX/XXXX. InXX/XX/XXXX.. then nissan/ XX/XX/XXXX started reporting I was late in XX/XX/XXXX I disputed then they started reporting I was late in XXXX I disputed then XXXX I disputed that then they went bac to XX/XX/XXXX .. I'm currently disputing that and nissan also sent me a letter that I was late XXXX but reporting XXXX to credit bureaus..
07/19/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • AL
  • 36606
Web
I received an " End of Lease Liability Statement '' in late XXXX, 2016 from Nissan Motor Acceptance Corporation ( " Nissan '' ). There were various charges that seemed inappropriate and/or inaccurate. I wrote Nissan on XXXX XXXX challenging the charges and requesting a revised, accurate billing. They never responded. On XXXX XXXX, 2016 I received correspondence from XXXX XXXX XXXX, XXXX stating my Nissan account had been placed with them for collection. Nissan has acted in bad faith by providing a false bill, failing to respond to my inquiry, and turning my account over for collection.
07/20/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 75078
Web
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2013 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. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.
03/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33179
Web
On XX/XX/XXXX, NMAC has sent me the attached written letter in which they responded to my CFPB complaint ( case # XXXX ). Within my response to this NMAC letter, please be advised that the 2 aforementioned credit inquiries ( dates : XX/XX/XXXX and XX/XX/XXXX ) that are currently reporting within my name are fraudulent. Also, and as per the request of this NMAC letter, I have attached the following documents for further investigation by NMAC : ( 1 ) Federal Trade Commission ID Theft Affidavit and ( 2 ) Identity Theft Police Report. NOTE : NMAC ( Nissan Motor Acceptance Corporation ).
09/12/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 91791
Web
My name is XXXX XXXX, I paid off my car ( XXXX XXXX ) in XXXX and had car loan company sent the report which identify my paid off car loan to 3 major Credit bureau, 2 of them ( XXXX, XXXX ) updated my credit report but XXXX failed to updated my credit report. the car loan report still show up on XXXX credit report. since i am apply for home loan and need clear my credit report, i tried contact XXXX and they always said nothing received from my car loan lender. pls help me with my problem, it 's very important for me to clear car loan on XXXX Credit Report Best Regards XXXX XXXX
11/11/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • HI
  • 96772
Web Older American
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.
03/10/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CO
  • 80109
Web
Nissan Motor Acceptance Corporation is refusing to provide a copy of the lien release documentation. The account was paid in full XX/XX/XXXX and as of this date I do not have the proper documentation to be able to get clean title in Colorado. The documentation was sent to the wrong state XXXX and I am now unable to get title to my vehicle in the state in which the vehicle is registered. NMAC has known about our change of address and state change since fall XXXX, but they did not update their records or advise that we needed to do anything different to update the title information.
06/15/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem related to refinancing
  • NY
  • 11003
Web Older American
I began my initial auto lease for a new vehicle XX/XX/XXXX and picked out a new car XX/XX/XXXX. I was informed that Nissan would pay the last two months ( XXXX and XXXX ), open balance on my Nissan Finance account as an incentive for the new purchase. My issue is, I had accelerated my payments over the past three years with a current balance of {$150.00}. In writing up the new sale, there was no provision for the actual {$540.00} to allow for the actual two months payments. I think Nissan should give me an allowance for the two months even though I met the payment obligation.
06/22/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29061
Web
I XXXX XXXX entered into a consumer credit transaction with Nissan Motor Acceptance Co. on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but Nissan Motor Acceptance Co. made me purchase insurance separately. These are clear violations of my consumers right which makes this contract void. This caused me a lot of stress on me with negative remarks on my consumer report and I need this resolved ASAP.
08/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77484
Web
I am a victim of Identity theft. Upon checking my credit report on XX/XX/2019 I noticed that Nissan motor Acceptance is listed as a dad debt on my credit report with the amount of {$19000.00} I have never owned or leases or signed any documentation to this company in my life. I recently filed a identity theft report and submitted all documentation to Nissan motor acceptance and all three credit bureaus XXXX XXXX and XXXX. On XX/XX/2019 I recieved a letter from XXXX notifying me that Nissan motor acceptance did an investigation and the account was added back to my credit report.
09/19/2016 Yes
  • Debt collection
  • Auto
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • AL
  • 35210
Web
In XXXX 2011, I was involved in a car accident. The car was financed by Nissan Motor Acceptance. During that time, I never received any documents that the car was being sold for scrap. The car debt was sold to a collection agency. it is now with a new collection agency and the agency is threatening to sue. However, I have informed the agency that I did not receive any information from NMAC about the debt or car being sold. The agency has also refused payments. Recently, the debt was removed from my credit report and added back on multiple times. I have provided proof of this.
05/27/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 77642
Web
This Company never show me any WRITTEN STATEMENT with my signature allowing them to furnish ANYTHING ON MY CONSUMER REPORT IN VIOLATION OF MY CONSUMER RIGHT 15 USC chapter 41, This company seems to say they have " transfered/sold '' the debt XXXX has reported and cancelled the debt to receive some type of tax break with the IRS.If my rights are still being violated the CFBP will be a witness in court that i did inform this fraudulent " CREDITOR '' did in fact receive this NOTICE OF FAULT and OPPORTUNITY TO CURE. I HAVE ALSO SENT THIS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX
07/08/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • HI
  • 96786
Web Servicemember
In XXXX, my XXXX XXXX was repossessed due to the apartment complex towing it because they said i did not have a registration sticker. The cars tags were current and i left on XXXX XX/XX/XXXX. The Apartment complex towed my car while i was away i did not return until XX/XX/XXXX and the XXXX XXXX XXXX company sold my car at auction before i returned was i was not notified until i returned. I have disputed this many time and tried to explain the situation i have XXXX order showing i was not in the country to fight this at the time this repo is effecting my security clearance
07/15/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • VA
  • 23324
Web Servicemember
I contacted Nissan Motor Acceptance in regards to my lease and I reviewed the contract and the mileage was incorrect. They show the original mileage being XXXX miles. However, when I contracted the lease the mileage was way above that. I'm not sure what type of tactics there are using however, this could have cost me money at the end of my lease. I called and spoke to a representative and she reviewed title and it showed that the vehicle had well over XXXX miles. She stated that it could have been a typo however this could have been very expensive at the end of my lease.
12/15/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • IL
  • 60409
Web
My husband and I - have been trying to work with NMAC to resolve our loan issues, but to this point, we have not had any resolution. What we would like to do is settle this account - for an agreeable amount. Which would require NMAC management to be willing to accept less than the balance to settle the loan. We are military veterans and feel we have not to be helped. We need NMAC to offer help and assistance to resolve these issues - because at this point we are having a really hard -time. If we could settle this loan for XXXX or so - that would be a great help for us.
06/26/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NV
  • 89031
Web
Since the start of this loan I have made a {$49.00} principal only payment to the loan. That additional principal only payment isn't applied to the loan until sometimes 2-3 months later. I have contacted Nissan to explain to them what is happening on at least 3 different occasions, with the last time most recently. They told me they don't have any records where I have made principal only payments and requested I send them proof that made principal only payments. I sent them copies of cancelled checks where I have made such payments and haven't not heard back from them.
11/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23690
Web
In XX/XX/2018 I had to file for personal bankruptcy due to a failed business which I had personal guarantees on. I have a car loan with Nissan and I have never been late on a payment and I have been making payments since filing. Nissan has filed a negative credit report against me and will not report that I have been making payments. Since the bankruptcy was business related it has taken a long time ( 22 months ) and it is due to close in 30 days. This negative report and refusing to report that I have been making my payments is negatively impacting my credit score.
03/19/2020 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Problem with the payoff process at the end of the loan
  • VA
  • 24569
Web
My Name is XXXX XXXX XXXX I have questions about my credit report. And also a question about a Lien was also placed on my report After a ChapterXXXX Bankruptcy case involving a XXXX vehicle. And a title My concern about all of this is Nissian Sent me a relief from Stay form Of a final notice of a repo. Of this same vehicle I made several attempts for them to come get it they wouldnt. I have the original first day of purchase and in the state of V.a the 20 years is Almost in leaving Free clear of this Debt lien And a vehicle they was never worried about repression on
01/13/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • MS
  • 39501
Web
Ive been paying $ XXXX/month for a repossessed vehicle. I have not worked since XX/XX/XXXX due to hospitalizations and illness. I have nothing left to live on and it is very unfair. Im no longer working so there isnt anything to garnish. Im not eligible for unemployment so Im relying on others for assistance with necessities, my account has even been over drafted multiple times as a result of the $ XXXX/month. Ive contacted the number on the description, but this has been going on since XX/XX/XXXX if Im not mistaken. Someone please help me, I feel like Im drowning.
02/08/2017 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • SC
  • 29485
Web
I have been repeatedly contacted and my husband as well for a family members debt even though I told them NOT to contact me. I was told I was a reference even though I do not believe that to be true and told that it gave them the right to keep calling me. I also have been told that they were " agents '' working on a case against my relative. They call my husband cell phone and my house phone which I know for a fact have not been given to them and have been obtained through other sources such as skip trace ... or something similar. I want them to stop harassing me.
07/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 10703
Web
Nissan Infiniti Account ending in XXXX has not been updated from the creditor for months the last time they were updated was XX/XX/2020 because of my credit disputes, This company has not been updating my correct balance and payment history for months before this non update was happening my Nissan Infiniti account would update on the XXXX of Every Month and it had stopped, I reached out to the Nissan Motors Acceptance Corporation ( The Creditor for this Acct ) to no Avail My payments and balances are not being reported to the 3 credit Bureaus like they once were
08/11/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MA
  • 02301
Web
To Whom it may concern : I was shocked when I reviewed my credit report major discrepancies my credit report among all the 3 major credit agencies. There are multiple inaccuracies with the way this account is reporting and this is total violation of FCRA ; such as terms ( 61 months? ), wrong original balance, wrong date of last activity, date open, etc. I am not sure how this happened, and I believe if i read the fcra correctly it says that in order for a item to be reported to the credit bureaus it has to be 100 % accurate, 100 % verifiable, and 100 % timely.
09/14/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • CA
  • 90405
Web
Hi I bought a new XXXX XXXX from XXXX XXXX financed by XXXX XXXX XXXX as my previous second hand car also bought through them was leaking oil it was a lemon. They rolled the negative equity from the trade in from my XXXX into the new loan without telling Me and also added insurance to the car repayments which I do n't need as I am already insured with XXXX. Now I ca n't afford the car as it is more than double the car repayment I had before. I really needed a car and they took advantage of me at signing with huge auto loan more than double what the car is worth
02/10/2020 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • 11220
Web
i have contact nmac Nissan motor Acceptance on several time to fix my credit report I was told by a representative that if i made payments it would wipe out the late makers on my credit report now because of it my scores and my co signer score has dropped badly to where i can't refinance my auto loan which i look at fdca they cant mislead you in fact which they did they have basically lock me in as they customer instead of fixing the mistake i would like it to have fix as payment on time they have also not have the right payment amount posted on credit reports
03/25/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MA
  • 02302
Web
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
03/01/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02780
Web
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
02/17/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02302
Web
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
04/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Report provided to employer without your written authorization
  • CA
  • 90504
Web
On XX/XX/20 I filled out an online credit application with the car dealer, after they reviewed my credit I decided not to continue. On XX/XX/20 they contacted me again to see if I may still be interested in a car, in the conversations via text messages there was no authorization to run my credit or that I wanted to continue with a credit application. They ran my credit without my knowledge of it being done, and this time it was 6 total Inquiries that included other credit companies. I contact the dealer and I have not received a call back from management.
09/08/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • IN
  • 46205
Web
My brand new XXXX XXXX ended up a total loss XX/XX/2015. All payments were made on time during loan term. XXXX XXXX paid value of the vehicle XX/XX/2015. The final balance was {$2000.00}. Gap insurance was not paid in a timely manner & now Nissan has marked all of these payments late on my credit report. After numerous hours over the phone, they refused to mark any of the payments on time. I would never even consider walking into another Nissan dealership until this is fixed. The loan has been paid in full and I am left to hurt from this deal.
07/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 21012
Web Servicemember
XXXX XXXX is on my credit - this company was my sister in laws account - they have never provide documents, loans, or proof I was on loan. I only got tags for her in my name - and had them removed and turned in - Also the car was sold at an auction and they ares till reporting inaccurate balances, ownership its fraud- they are the only ones reporting inaccuracies XXXX XXXX is reporting fraudulently on my account / never received any documents signed or contacts on a card there was stolen from me and fraud documents were given to collection agency
12/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 19119
Web
XXXX XXXX I went to purchase a car on XX/XX/2019 at XXXX XXXX. I signed a credit check and now I have two different inquiries on my credit report. One from the dealership, XXXX XXXX, and another from Nissan Motor Acceptance Corp. I was never told by the dealership that their would be more than one credit inquiry on my report. Also I have leased over the past 6 years and have always received only one inquiry on my report. When I spoke to the finance manager he claimed the new system they use runs your credit twice and they had no control over it.
03/24/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • MN
  • 55426
Web
I leased a vehicle in XXXX 2014 from XXXX. The current fair market value of my lease is less than the residual value of my automobile as listed on the lease. There is still 26 months left on the lease. The residual value of the vehicle as documented on the lease appears to be inaccurate based upon current XXXX by XXXX XXXX XXXX and other requested trade in values. The inaccurate and misleading information regarding the residual value has left me with a vehicle that is worth less after 14 months than it was advertised to be worth after 39 months.
03/21/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 10952
Web
I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX XXXX and XXXX ) on XX/XX/2017 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.
03/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CT
  • 06010
Web
I had a lease with Nissan. The lease was terminated early because the vehicle was total in a accident that I was not a fault for it. It was a hit and run, but driver was located after. Nissan was paid by my insurance company XXXX. When Nissan close the account they listed a remark early termination balance owning. I contacted Nissan to get this corrected and I disputed with the credit XXXX, XXXX and XXXX. Nothing has been done to corrected. I was never late or owed any other monies to Nissan. Everything was paid off including property taxes.
02/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 20716
Web
Nissan Motor Acceptance Corporation is saying that I owe {$4800.00} when I already settled the debt with them for {$1600.00} back in XXXX. My credit score is starting to fall and debt has increased on all three of my credit bureaus. This is false information. The company they used to collect the debt was XXXX NMC. The charge shows on my bank account on XX/XX/XXXX through XXXX XXXX. Somehow this debt has returned. Please help. Here is the company in question : XXXX XXXX XXXX Here is the company they used to collect the debt : XXXX XXXX XXXX
11/07/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • MN
  • 55305
Web
I leased a XXXX XXXX 3 to 4 months ago from XXXX XXXX XXXX. I told them I needed my lease payment due date changed from the XX/XX/XXXX of the month to the end of the month they said no probllem just contact XXXX XXXX they will change it. I called them and requested it be changed they never did it. I called again following month told them to please change it they didnt, I called again a 3rd time and told them to change it and they said they would but didnt now they claim they cant change it due to some requirements I was never made aware of
04/14/2017 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • CA
  • 90807
Web
Nissan-Infiniti LT is repo rting my account late on all three credit reporting bureaus and I have never paid late. I have an impeccable record for the last year that I have had this lease. In fact, I have another Nissan loan in my name as a co-signer for my daughter and my husband has a Nissan le ase as well. All three have impeccable records for payment. I have requested the removal of the negative credit reporting but have not received a response. This wrongful reporting has caused my credit scores to decrease by up to XXXX points.
01/06/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • NJ
  • 07627
Web
My leased car matured XXXX 2019 and returned the lease document and purchased the same vehicle. The Infiniti financial office in XXXX office said the headquarter will send me the lease deposit to my home but never did. They were even supposed to pay off my last lease payment but ended up paying the last bill after 2.5 months and my credit score went down by XXXX points too.l I spent countless times getting hold of the rep in the company and tried to get my money back. They always said either they were working on it or sent to my home.
07/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 11213
Web Servicemember
I called XXXX to dispute the accuracy of a Nissan car loan first date of delinquency. I explained that the first date of delinquency was XX/XX/2012, not XX/XX/2012. I also explained that the other credit bureaus, XXXX and XXXX, had also shown that the first date of delinquency was XX/XX/2012. I was later told that the inaccurate information would stay on the credit report. I was disheartened when the representative told me that they did not dispute the information from the creditor. The Dispute Confirmation Number for XXXX is XXXX.
06/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MA
  • 02478
Web
As of XX/XX/XXXX I called and confirmed with Nissan Infinity regarding the status of an auto loan I had with them. The representative confirmed that the account is paid in full as agreed and no charge-off status should reflect anymore on my credit reports. However, as of XX/XX/XXXX, the status of the Closed Nissan account ( opened on XX/XX/XXXX ) on XXXX shows as charge-off under payment. This is wrong, because it says that dispute is resolved. Either XXXX is not up-to-date or the creditor failed to report the right status of payment.
06/28/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • MA
  • 02038
Web Servicemember
On or about XX/XX/2021, I called NMAC and was told third-party dealers were allowed to buy out leases. I attempted to sell my leased car to XXXX, but was told Nissan no longer allows third-party buyouts. Nissan has historically allowed other dealers to buy out leases, but has instituted a new policy and essentially changed the terms of my lease. It was allowed at the time of my lease, and are now taking advantage of the pandemic to strongarm leaseholders into car dealers to accept lower values than the market would allow otherwise.
02/09/2017 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • NV
  • 89032
Web
On XX/XX/2017, I received repeated and annoying phone calls from Nissan Motor Acceptance Corporation. There were four phone calls. The phone calls occurred at XXXX, XXXX, and two calls back to back at XXXX. This is in direct violation of the fair debt collection practices act. Considering this is the second time within a two month span that I have been a victim of a violation of this act from the same company, I am led to believe that something more egregious is happening. Therefore, it may be necessary for me to involve an attorney.
04/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 32277
Web
Inquires were added to my credit which I did not authorize from multiple companies. The following inquires listed I did not authorize are from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX.
10/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 11003
Web Older American
I leased a vehicle in XX/XX/2016 and corresponding 3 year financing ( {$9700.00} ) through XXXX XXXX. Currently, my open balance is {$500.00}. My credit reports shows the open balance but, there is no reporting of a related Credit Limit or High Balance. The failure to report the Credit Limit negatively impacts my credit score as shown in the attached documents. I submitted disputes to both the Credit Reporting Agency ( XXXX and directly with XXXX XXXX ) to no avail. The results of the most recent XXXX Re-Investigation is included.
08/25/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33176
Web Servicemember
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.
02/07/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • TX
  • 75052
Web
Payments are due the XXXX of the month ; payment was made XXXX - on XXXX received notification from XXXX that payment was over 30 days. This is the second month in a row that payments are not posted timely thus causing reporting to my CBR. I am already in enough XXXX and agony trying to maintain finances while my fianc lost his job, now to have my credit being damaged when I am trying to maintain. This is unacceptable - and 60 days to receive a response is not sufficient - this needs to be resolved for both months immediately!!!
04/17/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • NJ
  • 07083
Web
Car loss accident the dealer I purchase the car from unable find my account because company was sold to new owner without my vehicle leasing info. Dealer not able to find my warranty and gap info in time. Car purchased with gap insurance and extended warranty I was charged additional fees due to Nissan dealer investigation time and mistakes. I am charged more than {$2000.00} additional fees due to Dealer s not able to find the car info. I want Nissan to remove the additional charges and report the mistake to the credit bureau.
11/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92543
Web
There are 8 late payments on my credit from Nissan acceptance Corp regarding my payments. I ask for payments extension becouse i have a family emergencies and I have to pay other loans so they dont go to collection. Some payments there were revarse of froud in bank. The payments are from XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Please help me fix this errors from my credit reports and have Nissan acceptance Corp correct this mistakes. My name is XXXX XXXX account number XXXX
06/11/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • VA
  • 23225
Web
Good morning, My wife and I went in to XXXX XXXX, XXXX Of XXXX XXXX XXXX in XXXX, SC looking to buy a car the sales person keep us there for 3 hour, running hard inquires one after all the time telling us we had the car after 3 hour and 27 hard inquires they told us we could not buy this car. they ran 27 hard inquiries in 3 hour and my credit was greatly impacted. Can you please get them to remove these inquiries its cause my family a lot of problems thank you so much. XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
08/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • SC
  • 29210
Web
I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and NMAC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and NMAC with no successful resolution. There was definitely an error on their part.
01/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • 98008
Web
I had a lease with an auto company and i had all my payments set up on automatic payment so i know i never missed a payment. The only thing i can think of is that somehow there was a problem with the automatic payment setup. but when i called the company they said that there was never a late payment but on my report it shows a 30 day late. I have tried correcting this with the company as well as the credit bureaus but had no success. Please help me to get this removed as i was never late and it shouldn't be on my report.
10/11/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with a trade-in
  • NH
  • 03034
Web
I put an application in to Infiniti of XXXX just to be able to put a deposit onto a car before running the credit. I was guaranteed I would n't have my credit run until I approved on my trade in amount. I never finalized my trade in amount because when I went to put a {$1000.00} dollar deposit onto the car, it had been sold prior. This happened on XX/XX/XXXX with 4 different locations. My credit should NOT have been run until I agreed upon my trade in value and price of the car, which also was not finalized or discussed.
02/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 76052
Web
On XX/XX/2021, my wife and I went to XXXX XXXX of XXXX to start our search for a vehicle. I was explicitly clear that I did not want a hard inquiry pulled on our credit as we were just starting the process and simply exploring our options. After leaving the dealership without purchasing anything or pursuing anything further, I learned a hard inquiry of our credit histories was pulled against our wishes and without our consent. I have attempted to contact the company to remedy the situation, but have been unsuccessful.
11/19/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • VA
  • 20147
Web
Leased a new vehicle under a 3 year lease on XX/XX/XXXX. Lease matured on XX/XX/XXXX. Lease agreement contains a purchase option at end of lease term with a stated purchase price. Lessee has no record of my lease agreement and therefore is unwilling to allow me to purchase the vehicle at the stated price. They have an unexecuted substitute lease agreement with a higher purchase price. All attempts to try to resolve the purchase price dispute have failed. I have furnished them with a copy of my original signed lease.
10/25/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 08854
Web
I tried to make a payment on my account via phone through a third party that the lease company told me to utilize. The company was not open and their automated system kept kicking me out. I then tried to make the payment on the internet with negative results. I tried to contact Infiniti to rectify the problem but there was no one at their office to receive my phone call. Their negligence caused my credit to have a 30 day marker which should be corrected. I have phone records to show my attempts to pay prior to day 30.
04/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92602
Web
XXXX phone someone stole my information this XXXX XXXX keep XXXX up my account amount {$700.00}. One dealership run my credit many times even though i told them not to do it. I did not approved it for them to run my information that much. I need this to be clear for all credit places ASAP. Even child support is done too clear everything. XXXX im not going to be paying for someone XXXX XXXXXXXX i never did at all. Please clear everything from my record because im becoming a XXXX XXXXXXXX my record needs to be clean.
05/06/2018 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30213
Web
I received a settlement agreement from XXXX XXXX XXXX XXXX XXXX for a debt with Nissan Motor Acceptance Corp. When I spoke to a representative from XXXX, they confirmed that if I paid the settlement amount the account would be considered paid in full and removed from my credit report. I paid the amount on XX/XX/XXXX but I received a letter from Nissan Motor Acceptance Corp that I had to pay another {$180.00} and as of today, the account still shows on my credit report. I would like the account removed as promised.
04/15/2020 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77027
Web
company called about a time-barred auto loan debt where last payment was made over 10 years ago ( a time-barred debt ). 1 ) lied to about name of company ( was told it was XXXX ). after I recontacted them, was told it is XXXX XXXX ) lied to about this being a time-barred debt. they specifically said it is NOT a time-barred debt. This is in violation of federal FDCPA regulations. number they called me from : ( XXXX ) XXXX their information online : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
09/05/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NJ
  • 07107
Web
I was upset after I looked at my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
06/11/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem extending the lease
  • WI
  • 53219
Web
I have had three car leases with XXXX. My current lease expired the end of XX/XX/XXXX. I decided to extend car lease for 6 months. The company reported XX/XX/XXXX payment late and now I'm not able to get another lease as the same tier as my previous lease for the one payment that was late because auto payment was disabled due to end of lease. I attempted to call Nissan Customer service on XX/XX/XXXX and was told there is nothing that can be done. The XXXX dealership also told me that no one can help me out.
09/03/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77379
Web
Infiniti continues to report inaccurate information to my consumer credit file. When I log into InfinitiFinancialServices the account immediately reflects a balance of {$1300.00}. Infiniti continues to report to the credit bureaus that I owe a balance of {$750.00} or {$790.00} what they report to the bureaus keeps changing. This account has been paid off by my insurance due to an unfortunate front end collision in XX/XX/2020 which resulted in a total car loss. I have attached two supporting documents.
05/11/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • CA
  • 95816
Web
I went over the miles on my lease and discovered that they were charging me XXXX per mile. However, the lease as written ties " excess use '' to any repairs needed to repair problems caused by excess use. My vehicle was turned in in perfect condition and didn't need any repairs. Also, the XXXX charge is excessive and bears absolutely no relationship to any diminution in value to the vehicle. When I call Infinity they lie about the terms of the contract and refuse to reduce any of the excessive charges.
07/15/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • TX
  • 76248
Web Older American, Servicemember
To Whom IT May Concern ; I tried to reach a resolution on complaint XXXX with XXXX XXXX Nissan to no avail. The persons I needed to talk was always out of the office. This was totally unacceptable I was willing to surrender the vehicle. However, I now want them to consider the loan paid off with nothing against my credit. Also a apology from Texas Nissan of XXXX and XXXX XXXX for his lies, cheating and XXXX ways. He shows know respect for XXXX Vets nor their families all life matter regardless of race.
07/26/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 32771
Web
I have recently started shopping around for an automobile loan. I gave 1 dealership - XXXX XXXX XXXX XXXX of XXXX, FL - authorization to run my credit report on XX/XX/2018. I received an alert almost immediately that they did so. Today, XX/XX/18, I've received alerts for Hard Inquiries from the following business names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) I'm concerned that one or more of the dealerships I've communicated with has run my credit without my permission.
06/05/2017 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91214
Web
Subject : Your submission, [ Case number : XXXX ] infinity response unacceptable. they admitted that that unlawfully reposed my vehicle and they are in breach of their own contract now they have the audacity to bill me for the vehicle they sold I will be send them a Statement for all my time they are wasting and I expect a payment from them. this is not going to end. Nissan-infinity knows fully well what they have done and it is illegal. An official complaint will be filed in the county in courts.
04/06/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NC
  • 28214
Web
nissan motor accptance company continues to call my job and harrass me after i have spkoe to them several times and asked to not call my home or cell. they have continuesd to ignore my request and keep calling both my employer and cell.. now i have been written up and reprmanded for the personal calls. I feel i have been disrespected as well as the company i work for. I no longer wish to do business with NMAC any longer and want to be compensated for the stress the calls have created at my workplace
03/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NJ
  • 07024
Web
I went in for my fourth lease over the last 9 years or so. I was told I was a tier one leasee and that I didnt need my credit run due to my long history of positive on time payments with Nissan over the last nine years. I have discovered that they ran my credit twice on XX/XX/17 without my authorization - causing my credit report to have two hard inquiries, which cause my report to drop from a perfect XXXX to a XXXX. I need this fixed as Im trying to buy a home and my mortgage is dependent on this.
04/24/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • IN
  • 46319
Web
ON XX/XX/2013 I SOLD THE CAR TO THE TOWING COMPANY XXXX IN CALIFORNIA THE DMV SEND ME A MAIL IN THE MAIL STATING THAT I STILL OWN PLATES AND CITY STICKER FOR THE CAR WHICH I NO LONGER HALF AND I EXPLAINED XXXX THE DMV THEY STATED THAT I HAD TO CALL THE FINANCE COMPANY WHICH IS NISSAN MOTOR ACCEPTANCE WHICH I DID THEY STATED THAT THE TOWING COMPANY HAS CALLED THEM AND I ASKED FOR A LETTER STATING THAT I DONT HAVE THE CAR NO MORE THEY KEEP GIVING ME THE RUN AROUND I JUST WANT THIS SITUATION RESOLVED
04/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92120
Web Servicemember
I was provided an extension of my car loan payment from NMAC in XX/XX/XXXX and XX/XX/XXXX. I requested the extension before my due date. The car loan account was closed and fully paid as agreed in XX/XX/XXXX. However, NMAC is reporting the extension they authorized and approved as a 30 day late payment. I was never told that by extending my payment it would be reported as a 30 day late pay. I was only told that the payment would be added to the end of the loan and would extend the final payment.
03/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33179
Web
On or about XX/XX/XXXX, I contacted the XXXX credit bureau in writing and I asked XXXX to ask XXXX ( credit reporting company ) to promptly delete their 2 unauthorized inquiries ( dates : XX/XX/XXXX & XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, Equifax has recently reported that these 2 unauthorized inquiries are still currently reporting on my Equifax credit file. ***RECORDS ARE AVAILABLE UPON REQUEST*** NOTE : XXXX ( Nissan Motor Acceptance Corporation )
10/12/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • FL
  • 32256
Web
Nissan Motor Acceptance Corporation continues to harass my family. They call my parents and my siblings numerous times a day and also disclose my personal information to them. I have asked them to stop calling my relatives, as I do not live with them and they have the number to reach me directly. They continue to harass them waking my parents up late at night and harassing my brother as well. I live in a completely different state than my family and I do not want them to continue to harass them.
05/20/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • MA
  • 01060
Web Older American
EVERY single communication with Nissan XXXX, some of which are viewed by others in my email, begin with This is an attempt to collect a debt. My communication with them might have nothing to do with collecting a debt calling about a problem, trying to arrange a payment schedule on a certain day of the month, but every single time they say This is an attempt to collect a debt. This is in every voice communication with them and in every email. This is harassment and an invasion of my privacy.
07/27/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • CA
  • 94509
Web
In XX/XX/2013 my car was rear ended and totaled in an accident at the other drivers fault. My insurance company ( XXXX XXXX XXXX XXXX. located in XXXX XXXX. ) paid the vehicle off as the other parties insurance was giving me a hard time about the fault which was later determined their fault. I sent over the documents from XXXX XXXX that showed the loan/account ( Nissan motor acceptance ) was paid off & closed at {$0.00} being owed & still a different company reports a balance being due.
04/12/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • NY
  • 10304
Web
NMAC communicated I could buyout my lease upon expiration and provided a buyout amount on XX/XX/XXXX. A check in that amount was issued by my XXXX XXXX and received by XXXX on XX/XX/XXXX, but NMAC refused to cash because of an internal policy change, they claim, was not communicated to customers or the public. As a result, I was forced to revisit the dealership to prevent repossession of my car and buyout my lease for a higher price. Details can be found in my " complaint '' attached.
11/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • NM
  • 87114
Web
I send NISSAN MOTOR CREDIT ACCEPTANCE CORPORATION a letter asking to verify an account reporting on my credit asking them to send documentation with my name XXXX XXXX proving that indeed I owe the alleged debt for this charge off. They reply with a letter saying they will not investigate violating my rights under section 623 of the FCRA. The FCRA is very specific if you can not prove it you must be delete it. attached I am sending the letter I sent them and the one they sent back to me.
01/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70126
Web
XX/XX/XXXX XXXX XXXX XXXX ran my credit for no reason knowing that my family member did not need a co signer they just ran it to run it. I got 3 hard inquiries.They ran it through XXXX XXXX XXXX and XXXX. i ask them to call the financial and to get them to take it off my report they denied saying it want hurt my report but recently i applied for a credit card and was denied because of all the inquiries. I would really like for these three to be pulled off all three of my credit reports.
09/24/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CA
  • 93637
Web Older American
THE INFORMATION I AM GETTING FROM MY BILLING STATEMENTS, STATE I AM BEING OVERCHARGE FOR INTEREST ON THE CAR LOAN. ON XX/XX/2017, I BOUGHT A VEHICLE WITH A BALANCE OF {$20000.00}. AT AN INTEREST RATE OF 4.8 PERCENT. I HAVE OWNED THE CAR A TOTAL OF 28 DAYS AND HAVE MADE 2 PAYMENTS OF {$16000.00}. CLEARING IN 19 DAYS AND {$400.00}. IN 6 DAYS. MY INTEREST SHOULD BE AROUND 53.00. NISSAN FIGURES {$16000.00}. {$400.00}. AND {$3600.00}. TO PAY OFF VEHICLE. {$20000.00} - {$20000.00}. = {$72.00}
06/13/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 92663
Web
The finance person at XXXX Nissan kept told me that it was required for me to have all of these extras financed into my auto loan. Upon reviewing other standards, the extras such as gap insurance and required warranteys are not required. I over paid, and could not afford my payments, and they reposessed the car. When they repossed the car, they did not tell me what was in my car, nor the company would not give me my items even though I offered to pay the fee. The items were destroyed.
03/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10036
Web
NISSAN MOTOR ACCEPTANC Inquired on XX/XX/2020 add a hard inquiry on my credit reports. But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
03/11/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • GA
  • 30097
Web
I have called finance manager at XXXX Nissan for the last three days to cancel my Gap insurance. I left multiple voicemails directly. I also left messages with receptionist but no call has been made to me yet about cancellation. On tuesday, I left a voicemail for general manager ( XXXX ) and he also has not responded to my complaint. Bottom line is that I want to cancel by GAP insurance. I do not understand why it is becoming so difficult and I have to follow up multiple times.
03/30/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23237
Web
Lease company saysXX/XX/XXXX payment 30 days past due, which is incorrect. Tried contact company several times but did not resolve. Tried disputing thru XXXX XXXX but did not resolve. Have proof that payment was made on time. This 30 day negative remark have ruin my excellent payment history causing my score to tumble 37 points As you can see on the statement their was a problem on their system that cause a reversal on XX/XX/17, then payment was accepted that cause this problem
09/10/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • AL
  • 35235
Web
Nissan Acceptance Corp is listing a debt on my credit report for all XXXX credit reporting agencies. This debt should not be listed on my credit reports as they have sold the debt XXXX to XXXX different collection agencies. I find it disturbing that all XXXX of these companies have attempted to collect on the same debt. I wish to have this debt removed from all XXXX credit reporting agencies. Lastly, this debt has been charged off and is also part of a profit and loss write off.
09/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02301
Web
I was shocked when I reviewed my credit report and found late payment on XXXX of XXXX and XXXX of 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 payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
03/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10036
Web
INFINITI FIN SVCS Inquired on XX/XX/2019 add a hard inquiry on my credit reports. But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
02/01/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 76133
Web
My mom bought a car, I have never seen the car, so even though I clicked used car I am not sure. I never saw the car. The salesman called me and asked if I would come down and cosign. My mother came home with the car. The salesman never called me to come and sign anything. I asked my mom. She said they said they just approved her by herself. I called the salesperson. He said everything is finished. I never signed for this car. The dealership should not have me on this loan.
07/31/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02301
Web
I was shocked when I reviewed my credit report and found late payment on the dates below XXXX 2019. 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 payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
08/02/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • CA
  • 90731
Web
I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verifiy these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' .... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
08/12/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • PA
  • 19606
Web
I have my auto loans with Nissan Finance and they are claiming that I not making payments on time, when that is not true. Every month I make the payment thru Nissan Finance website with one time payment. My complaint is if I have 10 days after my due date, why they are making my payments late when I scheduled my payments to be out on the XXXX of every months. Where is my money go. Can you please help me and try to trade my car for suv and this people are not helping me.
11/12/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • MA
  • 02780
Web
I was shocked when I reviewed my credit report and found late payment on XXXX & XXXX of 2019 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 payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
06/17/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • PA
  • 16055
Web
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.
02/08/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Taking out the loan or lease
  • NJ
  • 07717
Web Older American
NISSAN MTR ACCEPTANCE, AFTER MANY DISPUTES FILED BY US, TO CORRECT HAS NOW REENTERED A CHARGED OFF DEBT VIA A COLLECTION CO. " XXXX FOR XXXX. THIS WAS XXXX XXXX TOTAL LOSS PAID BY XXXX AND THE GAP INSURANCE WE PAID FOR.2010 JUST SURFACED NOW. ALSO XXXX IS RUINING MY CREDIT THEY WERE PAID OFF BY XXXX DEALER IN XXXX WHEN WE TRADED IT IN. THEY ARE SAYING THEIR PAYOFF WAS NOT RIGHT, AND WE STILL OWE XXXX?. I WANT THESE NEGATIVES DELETD TILL RESOLVED. PLEASE HELP XXXX XXXX
07/11/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • IL
  • 60706
Web
I was on automatic payment for my car loan. In fine print supposedly I do n't see it the final payment must be made by check. I did not get a notice until it was too late and now I am stuck with a negative mark on my credit report. We were never late for the entire loan. We also moved and the notice was delayed to us and we had our first baby not that they are excuses but if we paid on time all along and only had a small final payment how can that affect our credit.
01/09/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 91386
Web
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/2017.
09/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33040
Web
I have been doing everything in my power especially during the pandemic to make my credit score go up and it has but yesterday I noticed that Nissan reported a negative comment on my report during in the pandemic I was late with one payment I decided to dispute it yesterday and today my credit score went down 18 points why is that when I have already turned in my car lease and why would they give me a negative report during the pandemic causing very very sad
07/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CT
  • 06106
Web
Im a Consumer that was impacted by COVID. Where forth, In XX/XX/2021, I applied for a 2 month COVID extension with Nissan. This would make my next payment due on XX/XX/2021. Nissan stated, that would Bring my account up-to-date and then the next payment would be due on XX/XX/2021. To my shock a noticed a vicious late payment filed by Nissan for XX/XX/2021 regardless of whether I filed for COVID. This late status and late payment should be promptly removed ;
01/10/2017 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • PA
  • 17050
Web Older American
My daughter asked me to co-sign an auto lease. I was informed that both the dealership, XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX and the leasing company would be doing inquiries on my credit report. I do n't object to the inquiry by the leasing company since I have a contractual relationship with them. There is no similar relationship with the dealer, who is an agent of the leasing company. Consequently, I object to them requiring a copy of my credit report.
04/11/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • GA
  • 30294
Web Older American
I leased a XXXX XXXX XXXX. I returned it in XXXX XXXX to purchase the XXXX XXXX. I owed them nothing because they financed the new car for me at 3.9 %. which I 've since paid off also. I have been trying to get this off my credit report since then. today I applied for a home equity loan and was advised that this was the reason I was turned down. Ive called the dealer where I 've purchase the car. i 've called Infiniti credit and I ca n't get this resolved.
08/11/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 20910
Web
my car was repossessed while i was in forbearance with nissan motor acceptance. this should not have happened the car was almost paid off the loan amount was orginally for XXXX and i paid it down to XX/XX/XXXX ( XXXX payments left ). i lost my job while XXXX and notified nissan immediately. no repossession fees and interest fees from XX/XX/XXXX have been added and are in collection on my credit report as if its a new debt. this isnt owed and it is unfair.
07/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 75056
Web
I reviewed a copy of my credit report. I discovered inquires that I did not authorize. On XX/XX/2020, I reached out personally to the company to have the inquire removed from my credit report. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. Which I do not authorize. On XX/XX/2020, stating we regret that we're unable to offer you credit at the terms requested. This has greatly impacted my credit score.
09/19/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Denied request to lower payments
  • MA
  • 02019
Web
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
10/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23120
Web
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. XXXX XXXX XXXX Date Opened : XX/XX/2018
03/05/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 75141
Web
I purchased a vehicle in XXXX. I pay online on the Nissan Finance website. I am being charged late fees if I do not make the payment 10 days before the due date. Example, my car payment is not due until XXXX/XXXX/2016 so I logged in today ( XXXX/XXXX/2016 ) to make the payment. I my payment increased for next month with the late fee already in place. It does not seem legal that if I am paying online and before my due date that I am charged a late fee.
05/29/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • AR
  • 71909
Web Servicemember
My bank was drafted on XX/XX/2019 for XXXX. A copy of the bank stmt showing the withdrawal was sent to Nissan. It has been over 60 days and they still have not posted the payment to the account. A payment shows posted on XX/XX/XXXX for over XXXX, yet they are reporting to the credit bureaus XX/XX/XXXX being 30 days late. They are also reporting XX/XX/XXXX as being 30 days late. How can a XX/XX/XXXX payment be 30 days late when it is still XX/XX/XXXX?
10/10/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 76106
Web
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.
03/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 15090
Web
I have a loan with NISSAN-XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and NISSAN-XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX/XXXX XXXX
03/12/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • FL
  • 34984
Web Older American
On XX/XX/2019 a demand was sent to pay {$2500.00} after a nissan XXXX was taken at the end of a lease. This information is on my credit record and needs to be removed or my attorney has advised me he will file suit against Nissan Motor Acceptance Corporation. The funny thing is the nissan dealer who leased the auto has since sold me 2 more autos and assured me this would be taken care. This will be my last effort with Nissan before suit is filed.
06/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 21316
Web
I was leasing a car with Nissan corporation I did not understand the seriousness of paying the loan on time because I was going through a hard time I was unemployed the time I was making payment late however since XX/XX/2016 I been making on time payments but the Nissan corporation continues to report told late payments to the credit bureaus which is derogatory on my credit score making it impossible for me to buy a house or even obtain credit
02/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AZ
  • 85249
Web
My XX/XX/2018 Car Payment for Nissan Motor Acceptance was reported 30 days late on my credit report with XXXX, XXXX snd XXXX.The Payment was due XX/XX/2018 and I paid it XX/XX/2018.Thats only 19 days late.They reported it 30 days late.I have done several disputes online and via mail but they claim it was reported correctly.I sent all three bureaus a copy of my bank statement showing I paid XXXX on XX/XX/2018 but they stil would not change it.
08/21/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CA
  • 94544
Web Servicemember
I called on XX/XX/2020 to try get information on how setup automatic payment through my bank to pay once a week. I asked them for the routing and account number so I could give to my bank called twice first person hung the phone up on and second person made it seem like he couldnt locate the information called in a professional manner. I asked for supervisor because did not feel comfortable with my XXXX with previous experiences with Nissan.
01/22/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AL
  • 35244
Web
Enclosed are detailed transactions from my bank statements and credit card accounts for my Infiniti Financial Services account for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Infiniti Financial Services " rolled my payments '' and reported all of these months late. Payments were made within 30 days. Therefore, my credit report should not be reporting late or delinquent for any of the months. Please see attached and update immediately.
07/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 18104
Web
the following accounts appear on my credit report, without any authorization, they are not mine, please review them Identity Theft INFINITI FIN SVCS Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
10/04/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • FL
  • 33069
Web
I had a boyfriend who bought a motorcycle and he signed me up as the co signer without my knowledge. The motorcycle was then stolen. The finance company has put a repossession on my credit report because he stopped making payments on the bike after it was stolen. I have never signed for the motorcycle to begin with and any signature was forged by my ex so there for the Repossession should only be on my ex 's credit report and not mine.
03/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NV
  • 89086
Web
I have a loan with XXXX and NISSAN MOTOR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NISSAN MOTOR with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
12/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 90640
Web
On XXXX of 2018 Nissan Infiniti LT reported to the 3 credit bureaus XXXX XXXX and XXXX that my payment was late when it was their automated system that was not functioning properly and received my account number incorrectly. I have made multiple requests to resolve this matter but Nissan- Infinity LT does not have a direct number to speak to a live agent. They are systematically ruining my credit history and I am pleading for help.
05/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AZ
  • 85739
Web
Account Number XXXX with Nissan /Infinity. Please refer to case # XXXX for background of this complaint. Nissan reported to 3 credit agencies but still remains on XXXX. Emailed them to no avail, has not been removed.In email dated XX/XX/2019 to grounding team, see below, XXXX XXXX from XXXX XXXX of XXXX was assured this would be removed. Again please refer to past complaints, this charge being pd was the fault of XXXX, not myself.
08/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19146
Web
The XXXX Credit Bureau is reporting inaccurate information on NISSAN-INFINITI LT. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
05/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30044
Web
I had a voluntary repo and since then, the full amount of the vehicle was placed on my credit report. I know typically the vehicle is sold at auction, but Nissan is reporting the full balance to my credit reports which is incorrect. I don't recall receiving anything from them in terms of what the vehicle was sold for in the time that's allowed for the state of GA. For that reason, I feel it should be removed from my credit report.
11/09/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • MI
  • 48602
Web Servicemember
My1st payment to XXXX was reported late. I applied for direct payment the company didn't take the payment out of my account on time. then report my payment 30 days late XX/XX/2018 in the amount of {$590.00}. I called XXXX they stated that they couldn't change the report that I had to contact credit bureau. This was not my fault my payment was available as scheduled. XXXX didn't take the money out of my account as I had requested.
08/13/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90019
Web
I XXXX XXXX XXXX XXXX entered into a consumer credit transaction with XXXX XXXX on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX took cash. The finance charge is suppose to include insurance, but XXXX XXXX made me purchase insurance separately.
02/19/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • TX
  • 76244
Web
The company shared a pre-approval offer for a loan without stating the principal amount. They provided a monthly payment amount thereby leaving the principal and APR to be free floating. This is a deceptive trading practice. The monthly payment is a function of 3 factors : 1. Principal 2. Interest Rate 3. Loan Term Any attempt to hide any of this three factors is a deceptive practice designed to mislead on the cost of the loan.
09/15/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • NC
  • 28348
Web
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.
01/14/2021 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Can't contact lender or servicer
  • CA
  • 93304
Web
Hi My Name is XXXX XXXX XXXX & my Wallet has went missing & now I'm getting strange mail @ XXXX XXXX XXXXXXXX XXXX XXXX with the Name : XXXX XXXX XXXX. So I believe he stole my wallet. It had my D.L. & S.S. Card in it. The mail is about a Vehicle XXXX & XXXX XXXX phone. So it seems this guy is using my info somehow to finance his expenses. Please forward this info to the proper departments immediately. THANK YOU VERY MUCH!!!
03/25/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30964
Web
I have been Paying on a car loan for the last year that XXXX XXXX XXXX has not right to collect on the dealer were a bought the car has not profected the lien in the car I also do not have tag or registration for tha car in addition the dealer had over advanced the loan to get me to buy they car buy cutting me a check back out of the loan proceeds with out Nissan knowing about it there is also Incorrect info on my credit app.
08/14/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • NJ
  • 07740
Web
XXXX nissan sentra nissan motor acceptance corp loan dated X/XX/2014 vin # XXXX after purchasing vehicle i had accident and when insurance needed to payoff nmac gap insurance said car was in my dads name but he never signed any paper at dealership. i signed my name never realizing it was my dads name which is different than mine. i have sent numerous requests to nissan motor acceptance corp. dealer XXXX XXXX XXXX of XXXX nj
06/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • UT
  • 84096
Web
XXXX XXXX is reporting these erroneous lates on my credit file. I traded in my vehicle and I was told that the remaining trade in balance would be paid the XXXX! This is why I went ahead with the trade. Now I'm seeing lates on my credit file after the trade in. I should NOT have any lates on XXXX OR XX/XX/2020. This lates are erroneous and I demand them to be removed. This is affecting my credit on someone else 's mistake!
06/12/2019 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 92223
Web
Infiniti Financial Services contacted me today XX/XX/2019 on my work line to advise that my Auto Lease was past due. The representative contacting me was very rude, threaten to ruin my credit, stating that my account was reported to the credit bureaus. My account has never been 30 days past due, and this is a false statement. This is against the law to make these statements. I pay this account at the same time every month.
08/05/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30088
Web
I entered into a consumer credit transaction with Nissan XXXX on XX/XX/2021. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill. On XX/XX/2021 Nissan sent me a bill which is a violation of 15 USC 1692b.
02/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • TX
  • 75228
Web
My account with Nissan Motor Acceptance Corporation ( NMAC ) was settled on XX/XX/19 ( See attached ). It is showing a XXXX balance from the attachment from XXXX XXXX that was reported by XXXX and XXXX ( See attached ). I called the ( 3 ) bureaus asking them to remove it from my credit report. I was told that it couldn't be removed at this time. I would like help of removing it from all ( 3 ) credit reports. Thank you.
10/13/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08234
Web
I spoke to the company on at least 4 occasions about the debt, explaining the information that they have was not correct. I also wrote to them on one or two occasions asking for a copy of the contact they say they have with my signature on it. But they would not provide me with a copy showing that I was a cosigner to the debt. I have sent them a certified letter around XX/XX/2018 with no correspondence from the company.
01/14/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • TX
  • 79601
Web Servicemember
XXXX XXXX repossessed my XXXX XXXX without warning or any attempts to resolve payment problems. The individual that took the car did so in the middle of the night, dening me any opportunity to remove personal belongings before taking the car.When I called to request my property be returned the owner said i had to pay him a fee to have my belongings brought to me and that I was not allowed on the lot to get my property.
03/26/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • OH
  • 44408
Web
Yes Nissan acceptance. I'm going thru hardship right now lost my mom few weeks ago. Was her caregiver for 5years. We hoping I can get a deferred payment like 1or 2months into back of loan. Would help me out right now struggling with mom 's bills plus my own bills too. I'm on XXXX myself going thru rough time. Don't want car repoed. Wana work with Nissan. Hope they can help. It's a new car. First payment due XX/XX/XXXX.
07/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02301
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
02/10/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • TX
  • 78109
Web Servicemember
We are in a pandemic and because my contract is expired they are wanting me to pay {$5000.00} as my last Payment or they are going to report me to the credit bureaus as late instead of me making my regular Payment of {$1100.00}. I was told because my contract is up regardless of covid and me being able to afford the additional {$4000.00} for this pay period they are going to report me late anyway. Covid doesnt matter.
04/28/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60070
Web
Hello - I tried to dispute the auto loan - NissanXXXX XXXX XXXX XXXX, TX XXXX twice already due to my divorce. My name is no longer associated with this lease, yet Nissan is disagreeing. In the attached document, you can find the release from my ex-husband. To my knowledge, he no longer has this lease on his credit as he returned the car, too. This is affecting my credit, and I am not liable for this account. XXXX
04/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92604
Web
I had a lease with XXXX that was completed over a year ago. Infiniti Financial Services keeps reporting a balance on my credit report even though this lease was completed over a year ago. This is affecting my credit score and they are in violation for the inaccuracies they are reporting on my credit report. My attorney has advised me to make a final attempt to have them correct this before moving towards litigation.
01/02/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • NJ
  • 07055
Web
The inspector said he found damages to the vehicles that were not true. they were charging me over {$500.00} for normal wear and tear of this vehicle. I declined making the payment for something that was normal wear and tear, Infiniti sent the account to a collection agency which I declined to make a full payment, we agreed on a settlement and I made the payment and infiniti put a late payment on my credit report.
04/19/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11691
Web
Nissan financial is reporting to all my credit bureaus that I have an open balance for Account number XXXX of {$1300.00} and monthly payments of {$430.00}. This is false and Nissan has agreed with me on the phone. I am kindly requesting they update my account as soon as possible to the bureaus. I have completed all lease payments and have 0 payments remaining as shown on documentation I am Attaching. Thank you
02/21/2020 Yes
  • Credit card or prepaid card
  • Government benefit card
  • Unexpected or other fees
  • CA
  • 90604
Web
XX/XX/2020 I called the company to make a payment ... in efforts to avoid repossession of car. But they want to charge me a fee to process over the phone. I cant afford a regular bank account with a routing number, and they dont give me the option to pay with debit card online unless its over the phone but the obligate me to pay {$6.00} fee I cant afford due to financial crisis and loss of job, due to my XXXX,
08/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77479
Web
I am writing to dispute late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with Nissan Finance for a car loan that I recently paid off. I have never been late and have always made arrangements if there was having financial difficulty. I have contacted the company several times and mailed proof of payments every month I've had the loan. They are unwilling to remove the late payments.
04/23/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NJ
  • 07306
Web
On XX/XX/XXXX I went to Nisan Motor as a co-signer for buying a car to my brother but My brother is didnt eligible for loan. The sales representative told me he is going to run my credit just one time for credit inquiry but he did 4 hard inquiry. 1. XXXX XXXX Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 3. Nissan Motor Inquiry from XX/XX/XXXX 4. XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
08/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19151
Web
The XXXX Credit Bureau is reporting inaccurate information on NISSN INF LT ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
04/08/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CA
  • 94544
Web Servicemember
I was chatting with a rep online with NMAC by the name of XXXX. I was simply trying to check the status of insurance check she tells can not locate an account with vin number or Social Security number this is senseless if the rep can not do her job locating information. I try calling but phone lines are down. I dont understand how she can not locate an account with my ssn or vin number that is on my contract.
09/29/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 94043
Web
We were buying our leased car at the end of the lease and paying with a check. We were required to authorize the dealership to pull our credit report. This was totally unnecessary since we are not applying for a loan. In addition, they collected our income and mortgage payment information. We were not provided by a good reason why we need to provide this information. This happened at the XXXX dealership.
07/29/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75052
Web
This is not a duplicate complaint ; the issue from February was NEVER corrected and still shows as derogatory on my credit thus impacting my credit score, caused me to get an increase of APR % on two credit cards, and delayed purchase of a home. THIS HAS BEEN over 60 days with NO result. I allowed plenty of time to correct my CBR!! This has to be resolved IMMEDIATELY and I want a copy of the correction!!
11/19/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • PA
  • 19124
Web Servicemember
On XX/XX/2020 I have communicated with Nissan Motor Acceptance Corporation about my situation due to loosing my job, then I lost my son 2 months later..and they still reprocessed my car as of XXXX..I ask them to give me more time, due to my circumstances, they dont care..after I told them I have another job now..just give me time, I had the car for 3 years.I even ask for a payment plan, they denied me.
07/16/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • NJ
  • 08735
Web
I was trying to trade my XXXX at a XXXX dealership and I was told that as of XX/XX/2021 we can only br return to a XXXX dealership. They are not allowing anyone else except the lessee to make the payment. This is something new and is forcing consumers to be channeled only to the car manufacture dealership. Not allowing people to get out of there lease for another manufacture. This has to be ill eagle
09/12/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • NV
  • 89032
Web
I am requesting for a update to all three of the credit reporting agencies for me XXXX XXXX and XXXX XXXX for 30 + delinquency reporting for XX/XX/XXXX and XX/XX/2019. I have encountered some medical issues in the beginning of 2019 and have tried my best to keep up with my bills. I am asking for a goodwill update due to the unforeseen circumstances with health that caused the payments to be late.
07/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 93314
Web
7 hard inquiries on my credit report These have caused me to be declined for other opportunities XX/XX/XXXX - XXXX XXXX dba XXXX - inquire without permission - unknown Infiniti XXXX/XXXX/XXXX - inquire without permission XXXX XX/XX/XXXX & XX/XX/XXXX ran twice instead of once XXXX & XX/XX/XXXX XXXX XXXX XXXX- 3 hard inquiries ( 2 are almost 2 years old ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
06/18/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 90621
Web Servicemember
I left on military XXXX, which did not allow me to have my phone or computer while on orders. Nissan Motor Corp. reported missed payments on my credit. I had family try to submit my payments on time. Nissan denied the payment, NOT because of sufficient funds. I just want to show proof that I am in the military. I did try to submit a payment on time, I just these 2 missed payments erased please.
06/22/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NJ
  • 08736
Web
I paid off my 2012 XXXX XXXX with XXXX XXXX. I did a Bank Transfer to XXXX the same way a paid my payments each Month. The money was deposited into their account on XXXX XXXX. They will not send me the Title to my car until XXXX. I gave them my XXXX number to overnight my Title and they refuse. They are paid in full. I want my Title. I sold the car and the buyer is really mad! He wants the car.
10/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • DC
  • 20029
Web
Infiniti has NOT been reporting my payments to any of the three credit bureaus since XX/XX/2020! I have bank statements and Infiniti account statements confirming payments and a current status. But if you look at my XXXX, XXXX and XXXX reports they all show BLANK reports for the past seven months to date?? PLEASE correct my 2020 payment history on my credit report with XXXX, XXXX and XXXX.
12/30/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 11003
Web
I am constantly harassed by Nissan Motor Finance Regarding my car payment which i missed but despite having a payment setup for the XX/XX/2016 i constantly received calls on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX demanding a payment right away and during this process i was forced to make two payments of XXXX on the XX/XX/XXXX and a second payment of XXXX setup for the XX/XX/XXXX
07/30/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • NJ
  • 08753
Web
This is the second time I submitted a complain but the real issue is the interest rate. On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX of XXXX XXXX NJ with 18.4 % interest rate. I am upside down in this car loan and can not refinance because I owe more than the car is worth. I need you help due to the Financial protection laws put in place after the financial crisis of XX/XX/XXXX
05/15/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Taking out the loan or lease
  • MN
  • 55426
Web
Infiniti / Nissan finance offers a lease transfer. A fee of {$250.00} is paid to transfer the lease and ensure the credit worthiness of the new leasee. However, if the lease is transferred, Nissan / Infiniti will still report the outstanding lease amount to credit bureaus in the name of the original leasee. This does not appear to align with Regulation M and the Fair Credit Reporting Act.
08/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30295
Web
I paid my payment on the XXXX. Nissan filed it as a principle only payment but it wasn't. I called and they corrected the payment as it should be. Then they charged me a late payment for XXXX. I wasnt late for XXXX or XXXX. I Shouldn't be responsible for their mistake.I work hard to pay my bills on time and keep my credit good. I shouldn't be responsible for someone else 's incompotence.
07/07/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • IL
  • 60160
Web
on XXXX XXXX my bill for XXXX dollars did not go through when it was on auto-bill, i reached to the company and they said that they saw the payment try to come out of the bank, but it was rejected. they never notified me of the rejection and gave me this late payment. i now can not get a loan because of this mark on my credit and the company will not help me with this unfair situation.
09/14/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • GA
  • 30096
Web Servicemember
I tried to log into my account to submit payment but your website won't let me. It says there are technical difficulties before even getting to a login page. When I call the customer service center, I get extremely rude people who refuse to transfer me to a supervisor, instead, they just hang up. Now im being subjected to negative credit reporting for this issue which I can't control.
08/07/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TX
  • 78732
Web
I leased an XXXX in XXXX for 48 months. I have purchased two vehicles since then. But this old lease information keeps reappearing on my credit report. This is an old paid account. This should not report that I still am in possession of this vehicle since XXXX. Please remove the vehicle fro My report. I have not been responsible for or in possession of this car since XXXX. Thank you.
02/07/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • LA
  • 70501
Web
I have 13 late payments on my car loan with Nissan Motor Acceptance. I was having financial hardship with repaying my loan and fell behind on payments at one point. I have reached out to the company with a goodwill letter in hopes that they would honor it and remove but was unsuccessful and they weren't willing to change the status. i am current and have been for the last 12 months.
07/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 08081
Web
There is a mix up of a account that has been placed on my credit profile by Infiniti Financial Services on XX/XX/2020 .Stating that there is a late payment which wasn't. My vehicle was in a accident and was paid off by the insurance policy XX/XX/XXXXinsurance. My account was paid in Full and there is a {$0.00} balance or any late payments at all. This is not a Derogatory account.
07/18/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • TX
  • 77373
Web
n : I HAD A THREE MONTH HIRRICANE HARVEY DEFERRAL and NO ONE seems to know about this. I have been showing delinquency since the OFFERED deferral was add Do people and companies ONLY CARE WHEN SOCIAL MEDIA gets involved or when they are ALSO affected by national disasters. This is unacceptable, unconscionable, and I need the documentation properly corrected ASAP within the system
04/26/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91303
Web Servicemember
Upon reviewing my credit report I mailed a XXXX letter on XXXX XXXX , 2017 by certified mail in order to remove an account that is on my account due to fraudulent activity. On XXXX XXXX , 2017 i issued a fraud alert on my credit report so that this could not happen again. I have not heard back from XXXX and would like this account to be deleted from my report.
11/01/2020 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11691
Web
Nissan motor acceptance Corp is Reporting to the credit agencies that my lease is not paid off and I have an open balance of XXXX. They are doing this because I didnt pay for car damages when the lease is returned. I am kindly demanding that Nissan stops reporting my open lease balance and closes the account in reporting to the agencies. After that I will pay the damage fees.
11/02/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with a trade-in
  • CA
  • 94544
Web Servicemember
XXXX XXXX XXXX from NMAC provided personal information about late not being on my credit report with out my permission which is violation of client confidentiality. I am currently in middle of investigation with attorney general office, FTC and XXXX. I never never authorize anyone to speak on my behalf which is going to have negative consequences on my lawsuit with XXXX XXXX.
08/19/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • CA
  • 92404
Web
I buy a car in the delers of XXXX XXXX XXXX XXXX I was offered hill of interest in buying a XXXX XXXX at the time of signing not set me by the interest the day after I realized they gave me an interest 8.25 I was talking to the manager I was treated very badly and my family, and they did not explain to me that this kind of space used car tires and does not use additional tires
05/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 94544
Web Servicemember
Nissan will not update my credit report has not been updated since XX/XX/2021.Also I let Nissan know that the dealership is refusing to send payoff check for warranty. I am banned from dealership I asked for so I can get this account paid off and also charging me daily interest rate which causing hardship since they will not intervene to get my warranty check forward to them.
03/29/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Called before 8am or after 9pm
  • NJ
  • 08628
Web
I was called morning and night while being threatened to have my vehicle taken away from me during financial hardship. I was still able to make the payments and get it resolved but was still harassed. I was told all late fees would be removed and they were not removed. I was told I would not be called outside of normal hours and was constantly called outside of regular hours.
11/09/2016 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Called outside of 8am-9pm
  • CA
  • 91106
Web
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.
07/22/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78638
Web
I have not taken any action at this time yet as Im writing my complaint to you first 1.XXXX XXXX - {$0.00} XXXX 2.NISSAN MOTOR ACCEPTANCE - {$41000.00} XXXX 3.XXXX XXXX - {$4900.00} XXXX 4.XXXX XXXX XXXX XXXX 5.XXXX XXXX - {$390.00} XXXX 6.XXXX XXXX XXXX - {$3700.00} XXXX 7. XXXX XXXX XXXX - {$370.00} XXXX 8.XXXX XXXX XXXX - {$3700.00} XXXX 9.XXXX XXXX XXXX - {$1000.00} XXXX
06/30/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • NY
  • 11365
Web
My vehicle got tolled by mistake three times in one year. The vin number of my car is connected to another bank which Im not a customer and they keeping repossessing the car. My payments are made on time. This is a frustrating situation. The dealership didnt help to verify this problem and fix it. This happened three time in one year lease and I would like to take action.
05/27/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Taking out the loan or lease
  • FL
  • 33175
Web
I returned my leased vehicle. I was informed there would be a balance. I never received any documentation. I find out that the account has been reported as delinquent to the credit bureau. I immediately paid it because I do n't want to have bad credit and asked them to remove this derrogatory information from the credit bureau. They agreed to do so but it has not happened.
01/22/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • AR
  • 72204
Web Servicemember
When I purchased car my credit score was a XXXX and XXXX. I wasn't aware that my interest rate was at 11 percent. I was not aware of this high interest rate. I'm paying more in interest than the price of the vehicle. They wont give me an explanation as to why my interest rate is so high. At this point it will take me until XXXX until I will payoff. I purchased it in XXXX.
03/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85022
Web
At XXXX on XX/XX/2020 I went to XXXX XXXX, located at XXXX XXXX XXXX XXXX , XXXX , Az . I was looking to see if I could upgrade my vehicle. The salesman, XXXX showed me 2 vehicles, one in particular a XXXX XXXX XXXX XXXX XXXX XXXX /XXXX. I distinctively told him not to run a credit report,, because I was only looking and to possibly trading in my XXXX XXXX XXXX XXXX
08/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10030
Web
these accounts that appear on my credit report, without any authorization, do not belong to me, they are hurting me, please check them. . Identity Theft NISSAN-INFINITI LT Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
12/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27520
Web
Nissan Acceptance Corp is incorrectly reporting that my auto loan was delinquent in XXXX, XXXX, and XXXX of 2020. However, actually, this account has never been past due. I have repeatedly asked Nissan to properly update my account history to show that my payments were not late in XXXX, XXXX, and XXXX of 2020 ; but they have yet to take action to make the correction.
11/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33020
Web
On XXXX XXXX, 2019, NMAC add a hard inquiriy on my credit report per XXXX. On XXXX XXXX, 2019, XXXX XXXX add a hard inquiriy on my credit report per XXXX. No contact information has been reported by this creditor. On XXXX XXXX, 2019, XXXX XXXX, XXXX XXXX add a hard inquiriy on my credit report per XXXX . No contact information has been reported by this creditor.
01/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33020
Web
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. NMAC Inquiry : XXXX XXXX, 2019 and XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
06/02/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • NJ
  • 07676
Web
I turned in the XXXX lease car for a new lease car at nissan dealership. I was told all would be taken care of. XXXX debt collectors begin calling about damage to XXXX of {$400.00}, harrassing phone calls, were told to stop ..kept calling ..were told to send info about lease car damage ... none sent..calls continuing..XXXX XXXX XXXX, XXXX XXXX various numbers used
07/20/2021 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33525
Web
this account was charged off more than 180 days ago in accordance to the federal law if something was charged off more than 180 days it is illegal for the original debtor to sell that to a third party collection office and they have received a tax credit and it is illegal to double dip i am insisting that this be removed off my credit within the next thirty days.
12/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MA
  • 01013
Web
The XXXX XXXX XXXX XXXX is reporting to XXXX and XXXX XXXX erroneous information they have submitted 3 different versions of late payment now it shows charges off since XX/XX/XXXX this account is included in a chapter XXXX bankruptcy and is still being paid this company is know for such actions my ss # is XXXX dob XX/XX/XXXX I want this removed from my report
11/27/2018 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 79706
Web
This company has indicating that paying them would stop the damage to my credit. This can also be taken as a threat to further damage my credit. This is very deceptive. This occurred in emails exchanged with company representatives on XX/XX/2018. They are using deceptive collection practices to convince me to pay a debt that I do not believe is fair and owed.
05/21/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • TX
  • 79912
Web
In 2012 I purchased an automobile from Nissan. While shopping for a loan, the dealership processed 2 loans, 1 from Nissan Motor Acceptance and the other from XXXX XXXX XXXX. Only 1 loan was valid, and payments have never been late. The Nissan loan was canceled and no payment was ever due. This information is only reported as negative at XXXX, and not at XXXX.
04/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 38068
Web
Your company is reporting the incorrect balance on my credit report, I have been paying this account as agreed every month. You're reporting a false balance and not reporting the correct amount. I have attached reciepts showing I have been paying. Update my credit report. It should be showing paid as agreed with the correct balance. This is a violation
05/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11566
Web
I ordered my credit report and received information from experian. On the report, Im listed as having an account that may be considered negative : Nissan- infinity. This was a lease car that I paid payments on time and returned car in on end of term date in XXXX of 2013. Account is listed as paid/ closed but I dont know why it is listed as negative.
09/20/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NJ
  • 07740
Web
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.
03/08/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Denied request to lower payments
  • NJ
  • 07090
Web
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
06/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • ME
  • 04073
Web
I am making this fraud report ... .There is an address on my credit report that I have been trying to have removed iv never lived at this address there is a agency reporting to this address this address doesn't exist This. Address is XXXX XXXX XXXX Nissan financial is the ones reporting to this address I don't associate with either past or present
01/11/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • TX
  • 77705
Web
I purchased a car from XXXX XXXX XXXX. I had full coverage and gap insurance. The car was totaled out in a wreck that was not my fault. The insurance and the gap insurance paid it in full. Now XXXX XXXX XXXX is reporting on my credit that I owe XXXX. I do n't owe XXXX XXXX any money. Please help me if you can about this because this is not right
09/24/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • PA
  • 19143
Web
On XX/XX/2021 I, the original creditor and consumer, attempted to enter into a consumer credit transaction with XXXX XXXX. The " money man '' XXXX came and was rude with me and denied my business because of my nationality. I was very clear about my rights as a consumer and that they were being violated and that I would like to remedy. He denied.
04/05/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NJ
  • 07106
Web
NISSAN MOTOR ACCEPTANCE has sold this account years ago and still reporting the account as though it is still owned by Nissan. Also, Nissan has never furnished proof that payments were made on this account for the months XX/XX/XXXX - XX/XX/2010, however, Nissan is reporting payments have been received in order to stay on my credit report longer.
05/29/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11211
Web
I had a lease with Nissan-XXXX which had come to term and was paid as agreed. It is reporting settlement paid for less then the full amount this is inaccurate. 1. Any fees due after the term of my lease is a separate agreement and can't be attached to a previous loan agreement. 2. I made this settlement with a different agency not with nissan.
01/22/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AL
  • 35244
Web
Enclosed are detailed transactions for my Infiniti Financial Services account for XX/XX/XXXX. Please see the enclosed IFS statement for XX/XX/XXXX. My due date was XX/XX/XXXX and my account was paid on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX for XXXX. Therefore my bill was not late and please updates all credit reports with this information.
08/22/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • GA
  • 30045
Web Servicemember
THE CONTRACT OF THE LEASE TERM WAS TERMINATED WITH FULL PAYMENT, HOWEVER, THEY ARE STILL REPORTED ON MY CREDIT REPORT AS TOADY, ACCOUNT IS STILL OPENED, WHICH IS ILLEGAL FOR A DEALER TO REPORT A LEASE OF TERMINATION ON SOMEONE CREDIT REPORT, IF THIS ACCOUNT DOES NOT REMOVED IN THE THE 72 HOURS, I WILL SEEKING LEGAL ACTION ON THE SECTION 603.
04/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AZ
  • 85345
Web
On XX/XX/2018 my credit report was pulled without my consent as an attempt to open an account under of some sort under Nissan. An account was not successfully established to my knowledge but this hard inquiry reflects on my credit profile and after contacting Nissan on more than one occasion they could not assist with resolving this matter.
08/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • LA
  • 70123
Web
I called NissanXXXX XXXX. I told them the account is over 7 years old. Its been over 7 years since I turned the lease back in. I havent made a payment in over 7 years and it shouldnt be on there. The account says I pay every month. The lady told me it was gon na be reported to the credit bureaus and stay open as long as there is a balance.
12/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23185
Web Servicemember
In XX/XX/2018 I entered bankruptcy due to a failed buisness. I had personal guarantees which caused me to file for personal bankruptcy. During this time I had a car loan with Nissan Finance. I never missed a payment and have since payed the car in full. I met all obligations of the loan contract but XXXX has a negative report against me.
05/28/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • NJ
  • 08059
Web
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.
08/27/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • NY
  • 11763
Web Older American
RECEIVED STATEMENT FROM NISSAN MOTOR ACCEPTANCE CORPORATION DATED XX/XX/2019 THAT SHOWED PAYOFF AMOUNT OF {$19000.00} GOOD UNTIL XX/XX/2019. XXXX XXXX XXXX PAID AMOUNT ON XX/XX/2019. RECEIVED STATEMENT DATED XX/XX/2019 FOR {$56.00}. I CALLED AND TOLD THEM TO SEND ME LIEN RELEASE, PAID FINANCE AGREEMENT AND LOAN AMORTIZATION SCHEDULE.
02/20/2017 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32643
Web
They call 4-5 times a day everyday for a payment that is not even 30 days late and continue to call even after the payment is in process online. They are very insitant that you make the payment while on the phone with them immediately and continue to call even if you give them a date you can make the payment again not even 30 days late.
03/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 94582
Web
XXXX XXXX reported in XX/XX/XXXX 2017 30 day late 's. They agreed to remove the lates. I was rescuing people in hurricane. They had my phone number incorrect and never called me. after speaking with supervisor they agreed to take it off my credit report. I can't refinance my home due to this late and might lose my home. Please help. -
05/17/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • FL
  • 34613
Web Older American, Servicemember
Prior cfpb complaint went unaddressed. Complaint where Nissan failed to make l scheduled payments and claimed we did NOT. Now and once again even though regular payments automatically scheduled and confirmed with them. You-the CFPB and they do nothing to correct the problem while we continue to get calls we did not pay!!!! Big farce!
03/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30350
Web
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )
08/31/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Fraudulent loan
  • TX
  • 78737
Web
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
01/19/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 22554
Web Servicemember
I have submitted several request for validation of debt. I have provided all the information to Nissan and Nissan has refused to provide me with a debt validation. Stating they did not have enough information although being provided the full account number as well as my date of birth, last 4 and address. Certified mail sent. XXXX
05/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 92663
Web
Someone tried to obtain a auto loan in my name without my consent or knowledge. I can not delete these fraudulent hard inquiries since the creditor can not remove them without an account. That does not make sense when the fraud was stopped before an account was secured. Now Im left with fraudulent hard inquiries. Please delete!
10/04/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • VA
  • 22308
Web
Infiniti Financial Services took {$410.00} from my bank account on XX/XX/04 after my lease was ended and will not return it for at least 21 days. they are offering no internal escalations and indicated that no one there can redeposit the funds they wrongfully took from my account until " the system automatically reconciles ''.
07/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 93550
Web
Hi XXXX has shop around my credit report to five different banks without my approval. This happened on XX/XX/XXXX, XXXX.In addition, I have try to resolved the problem by sending letters but receive no correction to the matter. I'm sending two different screenshots from bureaus ... XXXX has 5 inquiries and 6 on XXXX report.
07/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 32244
Web
I sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.
12/06/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CA
  • 92203
Web
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 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.
07/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 94544
Web Servicemember
I traded my car in on XX/XX/2020 for a new car but my credit report is still reflecting a balance on my credit report.I reached out to Nissan multiple times and they keep hanging the phone on me.I show multiple accounts 0n my credit report which is hurting my credit score.I am asking for them to update my report paid in full.
07/11/2017 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 28734
Web Older American, Servicemember
On the XXXX of XXXX this year, we turned in our 2014 Nissan Pathfinder to the dealer we bought as we can no longer can afford the payments. Nissan motor acceptance corporation is still expecting payments and keeps calling, sending pass due and will not acknowledge that we no longer have the auto and thier dealer does.
07/21/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Public record information inaccurate
  • FL
  • 33634
Web Servicemember
CFPB I have reason to believe there may be a Car Loan that doesn't belong to me I just got a email at XXXX XXXX XXXX XX/XX/XXXX Saying thank you for Registering with XXXX XXXX.. I Haven't bought a Car since XX/XX/XXXX And that XXXX was paid off within 2 months .. My MY DRIVERS LICENSE STOLEN IDENITY COMPROMISED RECENTLY..
11/24/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • TX
  • 77631
Web
.Im not paying for these finance charges that have been blown out of proportion. XX/XX/XXXX2017 they offered the same vehicle for sale for XXXX. XXXX XXXX XXXX in XXXX XXXX, LA.. Ive got copies from the internet Tell Nissan to call their collection dogs off and lets fix this. They cant be Stupid the rest of their lives..
09/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 95823
Web
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various XXXX XXXX XXXX declarations. I don't believe the circumstances surrounding this record are accurate.
09/20/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • GA
  • 30044
Web
I paid off my car for the full amount as stated in the payoff quote by the financing company. The money was taken from my account and my bank confirmed that the finance company had the money, but they claim they did not receive it. They also would NOT provide a written or verbal statement that they did not receive it.
09/03/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 08753
Web
I settled the debt in XXXX. Nissan NEVER REPORTED IT TO THE CREDIT BUREAUS. They even continued to respond to disputes with incorrect information saying the debt was still owed. I called them multiple times and they swore up and down they would fix it. Now my credit is damaged and unable to get a mortgage due to this.
02/28/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 27604
Web
Nissan Motor has been consistently reporting my auto-loan as delinquent sine XXXX of 2017. However, I have been making my monthly payment before the due-date every month. Every month that I call in, I pay Nissan exactly what's due prior to the due-date, but they somehow can not seem to report my pay history correctly.
06/29/2020 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76426
Web
I sent a certified letter to Nissan Motor Acceptance on XX/XX/20. The letter was a Request for Debt Verification and Cease and Desist. They received the letter XX/XX/20. We did not receive a response from them at all. We reported it XXXX and other bureas. XXXX will not remove/delete the debt from our credit report.
01/04/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MA
  • 02145
Web
I was given a {$33000.00} loan on a {$12000.00} Nissan XXXX. I can no longer afford the payments. Nissan will not do anything about rewriting the loan or giving me an option with a lower payment. I was told my only option is to voluntarily surrender the loan but would still be responsible to pay close to {$20000.00}.
11/04/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • NY
  • 10302
Web
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.
11/14/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 90046
Web
I've seen no changes for the accounts that I have filed last month, I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
10/05/2018 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • AZ
  • 85122
Web
On XX/XX/2018 my old roommate was contact by Nissan Motor Acceptance in regards to my wife 's auto loan. My wife did not use this individual as a personal reference and there was no consent to contact this indivudual. I work in the industry and I am fully aware of who can be contacted and who can not be contacted.
09/05/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 91344
Web
please find attached the letter from the creditor Nissan Infiniti, for which they have approved to remove the late negative from my credit report. i have already provided this letter to XXXX and XXXX. XXXX does not cooperate and has not removed the late yet, please help me to remove this inaccurate information.
10/26/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • PA
  • 16055
Web
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.
07/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 94538
Web
I had a lease from Nissan-Infiniti starting from XXXX. And I payed off the lease on XX/XX/XXXX. But my credit report is still showing that the loan is open and I have balance XXXX. I have talked to Nissan and they verify that my account is payed off and close. But the credit report company got different info.
08/14/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • HI
  • 96744
Web
I was interested in a car so I filled out an online request for more information. I was contacted not too long after and was told to apply for financing online for the vehicle on Saturday the XXXX. They told me they would be closed on Sunday so to call Monday. They ran my credit for a car that was already sold.
08/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 08701
Web
I have a loan with XXXX, XXXX XXXX XXXX, and XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
10/30/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • NY
  • 11106
Web
Nissan reported my mom XXXX XXXX late on her auto loan account number XXXX. There was something wrong with her last payment and somehow they marked her late. My mother has never made a late payment in the 5 years she had the loan. How can they report her 30 days past due in XX/XX/2018 when the account is paid.
08/22/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • PA
  • 19330
Web
Automatic payments for my car loan were discontinued by NMAC. I was not informed that this was happening so the bill was not paid for over 30 days. This was reported to the credit agencies and affected my credit score. I had this loan for 5 years and never missed a payment until the last two payments were due.
08/29/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • NY
  • 10977
Web
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
04/07/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NJ
  • 07753
Web
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/2015, XX/XX/2015 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.
07/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • LA
  • 70072
Web
I have a loan with NISSAN MOTOR ACCEPTANC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and NISSAN MOTOR ACCEPTANC with no successful resolution. There was definitely an error on their part.
09/14/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • IL
  • 60136
Web
I financed a new car with Nissan Motor Acceptance Corporation. The 2nd payment is noted as late on my credit bureau. Nissan admitted they made a mistake and removed the late payment from my XXXX report but left the late payments on XXXX and XXXX. Multiple disputes have been submitted with no results.
10/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 31525
Web
Nissan said that it was not on my credit report but it is. I gave the car back when if fell into financial trouble and could no long afford the car. Nissan stated that I was not the only one to have ever fell into financial problems and had to give the car back. It was ok and they got the car back.
04/18/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • NJ
  • 07030
Web
I turned in my leased Infiniti G37 to Nissan on XXXX XXXX 2014 as part of my agreement to lease a new Nissan Altima. The car dealership did not return ( ground ) the car to its parent company until XXXX 2014. Resulting in false missed payments and serious delinquencies reported on my credit report.
09/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10030
Web
i have these accounts that are not mine and i want them to be removed. 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft CHILD SUPPORT ENFORCEM Account Number : XXXX This is not mine.
03/14/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Problem after you declared or threatened to declare bankruptcy
  • AZ
  • 85233
Web Servicemember
Nissan Motor Finance continues to report " late '' payments and a balance after the debt was discharged through my husband 's bankruptcy which was discharged XX/XX/18. XXXX. This information has been repeatedly disputed via the credit reporting agencies to no avail. This reporting is illegal.
07/17/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • CA
  • 92026
Web
We missed XXXX payment on our lease and now show XXXX late payments. Loan is paid off. I have asked Nissian to remove the lates since I have purchased and leased their cars since the XXXX years. They are not friendly and raise their voice when I call. I will never buy another product from them!!!
02/23/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Denied request to lower payments
  • CA
  • 94568
Web
On XX/XX/2018 I wrote a letter to Nissan explaining that my payments are late because I am trying to get back on tracker after a loss in the family. My payments have been late but not more then 30 days. They have wrote me back but did not respond to my urgent need of my financial hardship.
07/23/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NY
  • 11722
Web
Nissan is reporting past due. The account is current, payment of {$2000.00} has been done to Nissan on XXXX XXXX 2015, Monthly payment of {$450.00} was done XXXX XXXX, 2015. payments are current. Past due note in my credit report is affecting my score. Next payment will be XXXX XXXX, 2015.
07/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30281
Web
On XX/XX/XXXX - I received a hard inquiry from Nissan dealership located XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I did not consent to my credit being processed nor was I present. I wrote an email and letter to the general manager. I have not heard back from anyone on how to resolve this issue
10/15/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 10039
Web
Nissan XXXX have not closed my account after I returned car with no balance. My account is supposed to be closed but still stands with an open balance for {$630.00} car was returned XX/XX/2017. With XXXX balance they also tried to convince me to take another car. I pray for a resolution.
10/10/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • NJ
  • 07032
Web
I was paying my car on time with Nissan financial idk what happened but I have proof of the last year making payments on time. Horrible situation all over Some late fees they pushed all my payments as late and passed 60-90 days. I was literally homeless and was still paying for this car.
02/28/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33433
Web
I have written to Nissan Motors on two occasions pointing out they are reporting a 90 late in the Payment Status when the account shows closed with a XXXX balance. This is impossible ... .must be a key punch error. You can't be late when the account is closed with a XXXX balance.
06/05/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • NY
  • 10952
Web
I had a lease taken out with Nissan Motor Acceptance XXXX to which all payments were made in a timely manner. At the end of the lease they sent a separate bill for the over mileage etc. Since this is a different agreement it should be reported separately not as part of the lease.
10/25/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • NJ
  • 08701
Web
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.
11/02/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • FM
  • 33455
Web Older American
4 MONTHS AGO NISSAN DID NOT POST MY PAYMENT TO MYACCOUNT PROPERLY AND HAD REPORTED ME 30 DAYS LATE, SOLVEPROBLEM AND WAS TOLD THEY WOULD FIX THE LATE PAYMENTON MY CREDIT REPORT. NO LATE CHARGES WERE EVER POSTEDAND ACCOUNT IS UP TO DATECREDIT REPORTING OF LATE PAYMENT NEVER FIXED
06/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 11219
Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
02/05/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem extending the lease
  • CT
  • 06424
Web Older American
Dear XXXX I have paid my monthly bill every month due to corona, doctors app. etc. I have not received from niissan statements, email or other ... ... ... ... I need this lease. Please help.They are not easy to work with, very short, just in for the money not the customer.
08/29/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • NY
  • 10952
Web
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.
07/02/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • PA
  • 19150
Web
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.
09/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 08753
Web
This account has been disputed several times with Nissan as well as the credit bureaus. Nissan has it in their system that it is XXXX balance and settled in full. None of the 3 credit bureaus seem to reach out to nissan to investigate no matter how many times I dispute this.
09/24/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • NY
  • 11576
Web
Infiniti Financial Services is charging late fees during covid and although they were advised we sought help during this difficult time. Good paying customer but things are tough and they advertise live chat but it does not work. Telephone customer service also unhelpful.
08/27/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Old information reappears or never goes away
  • LA
  • 70123
Web
Vin # XXXX Account # XXXX XXXX XXXX I leased and turned the car in the same year. The date I turned the car in was XX/XX/12. I called and said the balance would stay on my credit report as long as the balance wasn't paid. The account is over 7 years old. Please remove it.
04/20/2016 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 77365
Web Servicemember
The Nissan motor acceptance company has called me at least 31 times in about a two week time span. We are n't even XXXX full payment behind. They have called me over 6 times in one day at some point also. It is causing issues at work to have them repeatedly call my phone
03/31/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 77070
Web
I received a negative remark on my credit report. Nissan put that i paid my car payment 30 days late. I did not pay it late. I paid it online and their system rejected the transaction. I wrote them and letter and called them and they still refused to remove. please help
10/08/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • MN
  • 55422
Web
I agreed to terms with sales people at XXXX XXXX XXXX, and NMAC, and the terms were changed after purchase. A 90-day deferment is not being honored. Please see attached documents. A copy of the financing agreement was not provided to me upon signing the documents.
01/21/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • GA
  • 30253
Web
XXXX XXXX XXXX XXXX is not allocating my payments correctly. They refuse to send statements showing payments I made on account. I called and their excuse is due to high interest loan I was charged. I received a statement on XX/XX/2019. Not listing my payments.
09/25/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11233
Web
I turned over my vehicle XX/XX/2019 the dealership failed to ground car. I called several times to have a manager resolve it and no one called me back. My credit report is showing I owe money to a lease I no longer have and its being reported as a late payment.
12/10/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • NY
  • 10952
Web
I was shocked when reviewing my credit report and found a late payment on the date below : XX/XX/2018 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.
07/25/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30013
Web
XXXX XXXX 2017, an unknown hard inquiry pull was made on my credit report. To my knowledge I did not authorize this pull to be made. In requesting I 'm asking to see valid validation of my approval consent and signature stating I authoriz this hard inquiry.
08/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 10314
Web
Nissan - Ifiniti LT # XXXX is reporting a balance that should not be there. I returned this car back in XX/XX/2016 and I should not have any missed payments or a balance after that. I have no legal obligation to pay this and there should not be a balance.
04/12/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • CA
  • 91601
Web
Nissan Infiniti LT has violated 5 of my federally protected consumer rights in the collection of a debt. 15 USC 1692b ( 5 ) 15 USC 1692b ( 2 ) 15 USC 1692e FCRA 15 USC 1681 FDCPA 15 USC 1692d ( 1 ) I have attached exhibits as proof of these violations.
07/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Problem with the payoff process at the end of the loan
  • GA
  • 30043
Web Older American, Servicemember
Yes I bought a 2018 XXXX XXXX XXXX weeks ago and decided to pay it off. I sent them a certified bank check for XXXX XXXX plus still have not applied my payment or reported it to credit bureaus or sent me my title. Didnt even apply my payment to my loan.
02/08/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 91752
Web
Account fully terminated in XX/XX/XXXX, however Nissan is still reporting "FULL TERMINATION/BALANCE OWING" on my credit report, causing my mortgage lender to decline my homeloan.Nissan showing account active as of XX/XX/XXXX with a balance due of $XXXX.
12/07/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CA
  • 90664
Web
Loan was fullfilled and paid off XX/XX/2016 with Nissan Motor Acceptance Corp., confirmation letter received from Nissan that this loan was satisfied in full and they would be issuing a release of lien to the XXXX. However this still has no taken place.
05/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 79706
Web
Nissan Motor Acceptance continues to report a loan to the credit reporting agencies with the wrong late payment dates. This account is too old to be report but nissan incorrectly reports repo and late payment dates to ensure the account is not deleted.
08/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 10983
Web Older American
I talked to Nissan Motor Acceptance Corporation to add my payment history but they denied due to the bankruptcy file in 2012. Also contacted all 3 major credit reporting companies but they refereed to your website to report with the proof of payment.
06/02/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11415
Web
Transfered Leased car to other individual. Said individual always paid on time/closed in good standing, but NissanXXXX XXXX refuses to take off derogatory mark on my XXXX report ( does not come up negatively on any credit bureau other than XXXX ).
11/17/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CT
  • 06360
Web
I've seen no changes for the accounts that I have filed last month, and disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
07/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02370
Web
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
05/22/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02370
Web
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
03/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • MD
  • 20747
Web
My sister XXXX XXXX applies for a car loan, and I was gon na co-sign for her. I ask them to only run my credit one time, but they ended up running it six times. This is the Infinity dealership in XXXX MD. I need to know how to fix this?
05/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • CA
  • 90023
Web
REQUESTED ALL PAYMENT HISTORY MADE TOWARDS CAR PAYMENT. NISSAN DENIES TO DO SO. THEY ARE REPORTING THAT XXXX WERE WRITTIN OFF. INCORRECT. MADE XXXX PAYMENTS OF XXXX EACH PLUS A 0NE TIME PAYMENT OF XXXX TO RECOVERY PLUS A XXXX DOWN PAYMENT.
05/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77076
Web
I had an account Nissan motors and paid XXXX I made the payment and was advise that it would be removed and deleted from my account. It has been posting in good standing prior to payment. In XXXX it was now reporting as bad debit charge off.
09/14/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 90046
Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
08/10/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • CA
  • 94544
Web Servicemember
Nissan sent me a check for {$100.00} and it bounced in my bank account.They put a stop payment on the check and I was never notified not to cash the check.So this put my bank account in negative status.Two checks were sent out both bounced.
05/02/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 10710
Web
I have contacted Nissan in writing about enacted information like placing unauthorized inquiry on my credit report. Also I have contacted the XXXX credit bureau about information that should have been removed to update my credit report
12/25/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • NJ
  • 08701
Web
I was really shocked when going over my credit report when I found a late payment on XXXX of 2018. I don't know how this happened. I always make my payments to you when I get the statements. It must be that the statement never got to me.
01/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30024
Web
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. No authorization was given to have a hard pull of my credit file.
02/05/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30360
Web
I sent the attached letter to Nissan Motor Acceptance Corporation certified on XX/XX/XXXX and have yet to receive a response. The company is required to send me a signed contract with the signature matching my ID to validate the debt.
11/03/2018 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • CA
  • 90404
Web
I was threatened to be sued. I was mistreated and harassed with several phone calls. Theyve been stalking me on social media sites. And they are attempting to collect a debt in a state other than where I signed for the original loan.
11/08/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • FL
  • 32822
Web
Ok..the lease for the XXXX XX/XX/XXXX.will be complet..XX/XX/XXXX..they repossition the car from my house..when the car is complet lease payments..now they allegy that i need to pay it in full..i be cery worry about it situation.
09/27/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • GA
  • 30180
Web
Overcharged in purchase of new vehicle the best sale price was not honored as per nissan XXXX XXXX XXXX online advertisement report and an overcharge MSRP price was charged instead, with an extremely high loan interest rate.
05/08/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • GA
  • 30072
Web Servicemember
I would like to dispute the charged off account established by Nissan Motors Inc., dated 2017. I was a co-signor and unaware of such a charge off. The vehicle company never reached out to me regarding the account whatsoever.
02/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20716
Web
Account that was closed is showing open and is also showing that I owe money and I missed payments. My credit score dropped severely in addition to my the credit bureaus are showing that I have a debt that was already paid.
06/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30815
Web
I've contact Infiniti FIN SVCS several times about this account reporting on my credit report that doesn't belong to me and I have proof with certified receipts. I demand that this fraudulent account is removed immediately.
10/13/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • TX
  • 75150
Web
Was offered an extension and was advised by a rep that it would be processed within 24-48 hours. Now speaking with a manager it has been several days since I was told that and now my extension still hasnt been processed.
08/25/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AZ
  • 85374
Web
XXXX XXXX aka NMAC has reported a 30 day late payment to my credit report purportedly occurring XXXX 2015. This payment was not made late and I have attached supporting documentation evidencing the date payment was made.
01/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77521
Web
These creditors have pulled my credit without my consent! Im attaching the screenshot of the creditors that are pulling my creditor! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attachments all arent consented
10/09/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Problems when you are unable to pay
  • CO
  • 80902
Web
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
08/15/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 22025
Web
I have Nissan Financial on my credit for a vehicle that was a total loss. I had gap insurance on the vehicle through this company that I paid every month. The gap insurance should of covered any additional fees
05/14/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OR
  • 97016
Web
Nissan Motor Acceptance has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
01/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TN
  • 37779
Web
My husband was buying a car an without my permission they ran my credit. It was not me buying a car and i told the company XXXX XXXX i did not work an dont run my credit., but evedentlly they did it any way.
03/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23120
Web
Failure to response to MOV ( Method of Verification ), I NEVER received a response to my Request under Fair Credit Reporting Act 611 ( a ) ( 7 ), for the NISSANXXXX LT XXXX within the time set forth by law.
06/06/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • MD
  • 21117
Web
I've leased the car and I've paid {$900.00} per month but I just shut down my business because of the lack of business. Since then I haven't been able to pay this amount and my car will be towed away soon.
10/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60476
Web
On XX/XX/2021 Infiniti of XXXX initiated an unauthorized inquiry to my consumer report on behalf of I, consumer, XXXX XXXX without permissible purpose. I have attempted to fix this issue with the company.
05/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28711
Web
I don't believe my late payments were filed correctly. I have more late payments than I should actually have reporting on my credit. I wrote letters trying to fix the problem and I haven't got a response.
10/07/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • NY
  • 11218
Web
I called Nissan XXXX to make payment I requested automatic payment they told me there setting up automatic payment they did n't set up automatic payment instead they put XXXX late fees on my credit report
06/05/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • IL
  • 60462
Web
Well its been actually a few years this problem has been going on. I have sent all credit agencies XXXX, XXXX, And XXXX a police report about this loan being fraudulent. They still have't taking it off.
02/05/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21113
Web
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.
05/25/2016 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 44241
Web
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.
09/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OK
  • 74048
Web
XXXX XXXX XXXX has hard inquiries on my credit file that I did not authorize. The dates are from XX/XX/XXXX, and XX/XX/XXXX. These were not made by me and I am asking that they be removed from my file.
10/09/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91764
Web
Car was my moms not mine and still showing on my credit history. Called Nissan multiple times and keep getting the run around. They called and harassed me many times and I had to change my number.
12/27/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28314
Web
I have been trying to get this fraudulent account removed form my credit reports as it doesn't belong to me XXXX XXXX XXXX XXXX, Nissan motor acceptance has refused to comply with my request.
12/03/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • NY
  • 11701
Web
After I signed the Installment loan contract, the dealer changed the vehicle cost and extended warranty price, forged my name and presented the forged documents to my lender for funding.
01/09/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TX
  • 76542
Web Servicemember
Nissan motor acceptance is reporting twice on my credit report, they have already charged the account off and sold it to another company which is also reporting on my credit report
07/05/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02302
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
01/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • GA
  • 30294
Web
The Inquiry was made on XX/XX/2018. I am unsure of the amount. I wrote a letter asking for the inquiry to be removed because no loan was secured and no vehicle was purchased.
10/22/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 76002
Web
I would like to report inaccurate late reporting information on my vehicle loan through Nissan Motor Acceptance Corporation. My account should not reflect any late payments.
06/22/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • NV
  • 89130
Web
I need Nissian XXXX to reflect my autoloan for my XXXX XXXX updated to reflect a XXXX balance to all three of the credit reporting agencies prior to the end of the month.
08/05/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • RI
  • 02910
Web
previous complaint XXXXXXXXplease see supporting documents proving that my lease was not only paid on time, but early every month. the NMAC " XXXX '' system failed.
04/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 34613
Web Older American, Servicemember
XXXX complaint responded to by XXXX does NOT address the complaint and as usual was closed by your waste of time CFPB organization! Alleged non payment 6 months!
10/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 20874
Web
Contacted Nissan, shows my account was delinquent in XXXX of 2018. I was not delinquent in XXXX. They need to make the necessary adjustments on the credit report
02/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 21017
Web
Did not ask for these companies to inquire on my credit. No credit was offered to me, and I did not submit consent to these companies to inquire on my report.
03/28/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • FL
  • 33626
Web
We have never been past due on a payment, Nissan Infiniti has an inaccurate remark appearing on my credit file. I have disputed with nothing being corrected
05/01/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 93953
Web
XXXX is currently falsely reporting a debt that was improperly reported and not correct or current. Today is XX/XX/2018 - this report was as of XX/XX/2018
06/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 11706
Web
I filed a dispute regarding the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.
07/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 19104
Web
I have filed a dispute in regards to the incorrect items on my credit report it has been over 30 days and I have not received investigation results
10/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33321
Web
I file a dispute in regards to incorrect items in my credit report. Its has been well over 30 days and have not receive any investigation results.
04/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • FL
  • 32461
Web
File # XXXX I am no longer responsible for this account yet it still appears on my XXXX credit report. It has been removed from XXXX but not XXXX.
01/29/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • CO
  • 80109
Web
I have tried on several attempts with no avail to get the payments lowered and/or get a feasible payment plan. Therefore, the car was returned.
07/13/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • NJ
  • 07712
Web
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2016
02/26/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31210
Web
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
01/28/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31027
Web
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns
11/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92584
Web
the car company reported late payment on XXXX, 2020 for more than 30days, I paid the company more than the regular payment on that month.
06/11/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem extending the lease
  • NY
  • 10952
Web
I returned my car back to Nissan yet it seems they are reporting a late payment for me in XX/XX/2018. The car was returned prior to that.
10/15/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • AZ
  • 85033
Web
IFS ( Infiniti finances ) is denying 3rd part buy outs. Nowhere in the contractual agreement does it specify that this can not be done.
09/01/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • CA
  • 94544
Web Servicemember
I overnighted a check to payoff my vehicle and Nissan said it got lost. I need know where the check is someone signed for by name XXXX.
04/15/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Public record
  • IL
  • 60625
Web
My Tax lien is incorrect, and the Nissan account is still reporting, it 's old and incorrect, so please take it off my credit report
05/04/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31021
Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
03/05/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31021
Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
09/21/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30013
Web Older American, Servicemember
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
03/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MD
  • 20723
Web
This company filed an auto loan application without my knowledge or consent. Customer service refuses to remove the inquiry.
05/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NJ
  • 08540
Web
I have filed a dispute on my credit report, it has been well over 30 days and I haven't receive any investigation results.
02/08/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • UT
  • 84091
Web Servicemember
Nissan Motors is reporting a repossession on my credit file. This is not a repossession. This account is in good standing.
02/16/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • FL
  • 34787
Web
I got a new job and request to push 2 payments back and they didnt do so till later and my credit score went down
06/11/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • TX
  • 77084
Web
tried to turn my car in to XXXX they gave me issues taking the car back made me take it too another dealership
07/14/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 91206
Web
This company keeps calling me on my cell phone. I keep telling to stop calling my cell but they keep calling.
07/13/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 91206
Web
This company keeps calling me on my cell phone. I keep telling to stop calling my cell but they keep calling.
10/09/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77449
Web
XXXX pulled my credit twice in 3 days is a violation of the fcra XXXX XXXX pulled my credit twice same day
01/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11375
Web
nissan is reporting an account 30 days late on my report when i dont have the car in my possession
03/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • ID
  • 83713
Web
I was buying a car without financing and the dealership pulled my credit without my authorization.
03/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 31791
Web
These credit inquiries are unauthorized and need to be removed from my credit report immediately.
03/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 31791
Web
These credit inquiries are unauthorized and need to be removed from my credit report immediately.
01/03/2017 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • NV
  • 89032
Web
A Nissan collections agent called me at XXXX PST on XX/XX/2016. This is a violation of the FDCPA.
08/27/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AZ
  • 85305
Web
Nissan finance is reporting late payments to my credit and the account is listed as charge off.
09/29/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • FL
  • 34753
Web Servicemember
They refuse to provide tracking number provides detailed information within the attach letter.
06/14/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28501
Web
XXXX agreed to remove this file but it still appears on my credit please remove please remove
07/15/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • TX
  • 77396
Web
Nissan Motor Finance contacts a number I have asked them not to contact multiple times.
10/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75038
Web
Incorrect information on my credit report regarding amount owed and status of vehicle.
04/15/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • TX
  • 77038
Web
I disputed inquiries that were not made by me however I have not heard back from them.
10/23/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Confusing or misleading advertising
  • TN
  • 38018
Web
My insurance paid off the wrecked car and they still are reporting late payments
11/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NV
  • 89117
Web
I never authorized this company to run my credit bureau reporting on XX/XX/2018
05/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 07109
Web Servicemember
XXXX is violating section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A )
11/18/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35903
Web
My information is on somebodys car loan and it bringing my credit score down.
10/20/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 07055
Web
I made a payment 29 days after my due date but they reported 30 days past due
09/02/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 34609
Web Servicemember
On XX/XX/2021, XXXX XXXX XXXX ran my credit report without my authorization.
06/23/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91367
Web
I was a victim of violent crime. I am not responsible for this account.
06/22/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76248
Web
I was a victim of violent crime. I am not responsible for this account.
07/14/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • VA
  • 20148
Web
payment not late, creditor calls XXXX a day starting at XXXX to XXXX.
04/06/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CT
  • 06477
Web
This Company is reporting TO XXXX as Derogatory and is actually paid.
05/09/2017 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30291
Web
This is not a valid account and needs to be removed from my credit
04/07/2017 Yes
  • Consumer Loan
  • Vehicle lease
  • Taking out the loan or lease
  • NJ
  • 08010
Web
Inaccurate information as well as severe lack of customer service.
09/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19114
Web
Nissan Motor Acceptance is in violation of 15 USC 1692c ( c ) 2
02/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75928
Web
I have called them, called bureaus and wrote them disputing
01/11/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • MA
  • 01604
Web
I cosigned an auto loan and the person lost her job.
12/18/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77063
Web
inaccurate information on credit please correct it
02/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 44514
Web
An unauthorized hard inquiry from this company.
12/08/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75115
Web
12/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TX
  • 76549
Web
12/06/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • NH
  • 03102
Web
12/06/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77536
Web
12/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 19053
Web
12/03/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • MN
  • 55110
Web
12/02/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60505
Web
11/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • FL
  • 33028
Web
11/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75214
Web
11/30/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • NY
  • 11228
Web
11/28/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • RI
  • 02921
Web
11/27/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • FL
  • 33712
Web Servicemember
11/26/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • LA
  • 70427
Web
11/23/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • NJ
  • 08048
Web
11/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 31301
Web
11/17/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90059
Web
11/17/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02302
Web
11/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • TX
  • 75241
Web
11/16/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 11416
Web
11/15/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • CT
  • 06010
Web
11/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60476
Web
11/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77072
Web
11/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • DC
  • 20017
Web
11/14/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94530
Web
11/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • DE
  • 19702
Web
11/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19401
Web
11/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29550
Web Servicemember
11/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • VA
  • 23803
Web
11/09/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • FL
  • 33137
Web Servicemember
11/09/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • FL
  • 34119
Web
11/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 23060
Web
11/09/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 93307
Web
11/08/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Termination fees or other problem when ending the lease early
  • VA
  • 22172
Web
11/08/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • MS
  • 39218
Web
11/07/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • FL
  • 32812
Web
11/03/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • CA
  • 90504
Web
11/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • CA
  • 91206
Web
11/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 08844
Web
11/02/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • FL
  • 33020
Referral
10/30/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60505
Web
10/30/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • FL
  • 33020
Web
10/29/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • GA
  • 30080
Web
10/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • IL
  • 60659
Web
10/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • LA
  • 71245
Web
10/27/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • SC
  • 29118
Web
10/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 10458
Web
10/27/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • VA
  • 22308
Web
10/26/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 76248
Web
10/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33436
Web
10/24/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • FL
  • 32211
Web
10/23/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • SC
  • 29483
Web
10/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33033
Phone Servicemember
10/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60473
Web
10/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 08844
Web
10/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NV
  • 89148
Web
10/20/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • IL
  • 60440
Web
10/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91352
Web
10/19/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • NJ
  • 07208
Phone
10/19/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 07753
Web
10/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 93033
Web
10/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60173
Web
10/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 23220
Web
10/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77479
Web
10/15/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • OR
  • 97304
Web Older American, Servicemember
10/14/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 21224
Web
10/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07504
Web
10/13/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • NY
  • 10460
Web
10/12/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 36207
Web
10/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 11746
Web
10/06/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • IL
  • 60443
Web
10/06/2021 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Loan payment wasn't credited to your account
  • TX
  • 76014
Phone Servicemember
10/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 75104
Web
10/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 11223
Web
10/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33327
Web
09/30/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02740
Web
09/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27704
Phone
09/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • TX
  • 77584
Web
09/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 24015
Web
09/21/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 24015
Web
09/16/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94530
Web
09/16/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94530
Web
09/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 23220
Web
09/14/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02184
Web
09/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IA
  • 50701
Web
09/09/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • NV
  • 89014
Web
09/08/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • SC
  • 29061
Postal mail
09/03/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • NY
  • 11731
Web Older American
09/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33009
Web
09/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • SC
  • 29708
Web
08/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 90503
Web
08/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60429
Web
08/25/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20723
Postal mail
08/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 07501
Web
08/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 07501
Web
08/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 14225
Web
08/23/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem related to refinancing
  • CA
  • 92530
Referral
08/20/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • FL
  • 33024
Web
08/19/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • CA
  • 91105
Web
08/19/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CA
  • 90018
Phone
08/18/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • LA
  • 70053
Phone
08/18/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 27455
Web Servicemember
08/17/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94530
Web
08/16/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94530
Web
08/15/2021 No
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • FL
  • 32962
Web
08/14/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • CA
  • 91326
Web
08/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 94526
Web
08/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • CA
  • 91343
Web
08/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MS
  • 38654
Web
08/10/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • AZ
  • 85305
Web
08/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30188
Web
08/09/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 19129
Web
08/08/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 20715
Web Servicemember
08/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23701
Web
08/07/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • NH
  • 03885
Web Older American
08/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32607
Web
08/05/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • IL
  • 60565
Phone Older American, Servicemember
08/04/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 17901
Phone
08/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91326
Web
08/02/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75241
Web
08/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77377
Web
08/01/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • NY
  • 11755
Web
07/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91207
Web
07/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11432
Web
07/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30097
Web
07/28/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • CA
  • 92104
Web
07/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33569
Web
07/24/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 33023
Web
07/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91203
Web
07/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 08701
Web
07/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60501
Web
07/16/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 98057
Web
07/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33135
Web
07/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02301
Web
07/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33436
Web
07/13/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20745
Web
07/12/2021 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30117
Web
07/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NJ
  • 08701
Web
07/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33404
Web
07/08/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Termination fees or other problem when ending the lease early
  • CO
  • 80625
Web
07/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
Phone
07/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 92630
Web
07/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 20744
Web
07/01/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02302
Web
07/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92646
Phone Older American
06/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02301
Web
06/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • MD
  • 21206
Web
06/29/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 06360
Web
06/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08859
Web
06/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08859
Web
06/22/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27701
Web
06/22/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • TX
  • 78737
Web
06/17/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Problem after you declared or threatened to declare bankruptcy
  • AL
  • 36618
Web
06/16/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28387
Phone Servicemember
06/15/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02301
Web
06/08/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • IL
  • 60515
Web
06/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • IN
  • 46231
Phone Older American
06/07/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • NJ
  • 07410
Phone
06/05/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70791
Web
06/04/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • SC
  • 29440
Web
06/04/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • SC
  • 29048
Web
06/04/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • SC
  • 29210
Web
06/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CT
  • 06040
Web
06/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MA
  • 01803
Web
06/03/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20746
Web
06/03/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 11203
Web
06/02/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • FL
  • 32221
Web
06/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33023
Web
06/01/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem related to refinancing
  • UT
  • 84047
Web
06/01/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • SC
  • 29063
Web
05/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Identity theft protection or other monitoring services
  • Received unwanted marketing or advertising
  • TX
  • 77087
Web
05/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02301
Web
05/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 11214
Web
05/26/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • TX
  • 76177
Web Servicemember
05/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 21223
Web
05/25/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account information incorrect
  • MA
  • 01803
Web
05/24/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Termination fees or other problem when ending the lease early
  • FL
  • 34677
Web
05/24/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • NJ
  • 07410
Phone
05/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48170
Web
05/20/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • FL
  • 32326
Web Older American
05/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33904
Web
05/19/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • NJ
  • 07017
Web Servicemember
05/19/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • NV
  • 89110
Web
05/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MD
  • 20678
Web
05/12/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OR
  • 97030
Web
05/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19401
Web
05/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 10314
Web
05/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MA
  • 02780
Web
05/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60181
Web
05/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60409
Web
05/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02301
Web
05/06/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • FL
  • 32095
Web
04/26/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with credit report or credit score
  • Incorrect information on your report
  • CA
  • 91792
Phone
04/26/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • CA
  • 93003
Web
04/19/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • NY
  • 11559
Phone
04/19/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account status incorrect
  • WI
  • 53146
Web
04/16/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • FL
  • 33161
Web
04/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92507
Web
04/13/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 77070
Web
04/12/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • FL
  • 33189
Web
04/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33436
Web
04/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 15120
Web
04/06/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85308
Web
04/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CT
  • 06472
Web
04/01/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31021
Web
04/01/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30421
Web
04/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AZ
  • 85019
Web
03/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 15229
Web
03/29/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92707
Web
03/26/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • CA
  • 94122
Phone
03/22/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • NY
  • 10464
Web
03/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20745
Web
03/19/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91601
Web
03/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 90606
Web
03/15/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Termination fees or other problem when ending the lease early
  • VA
  • 23462
Web Servicemember
03/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33592
Web
03/11/2021 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 22655
Web Servicemember
03/10/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77009
Web Servicemember
03/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11434
Postal mail
03/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30331
Web
03/07/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Problem after you declared or threatened to declare bankruptcy
  • FL
  • 33024
Web
03/05/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • VA
  • 22473
Web Servicemember
03/02/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • CA
  • 91364
Web
03/02/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • VA
  • 23223
Web
02/27/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • MI
  • 48085
Web
02/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • PA
  • 19151
Web
02/26/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33324
Web
02/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MS
  • 39466
Web
02/23/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • TX
  • 78640
Referral
02/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • PA
  • 15235
Web
02/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 79935
Web
02/18/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • NC
  • 28326
Web Servicemember
02/13/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
02/09/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • VA
  • 22554
Web Servicemember
02/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60191
Web
02/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 75253
Web
02/05/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77070
Fax
02/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30083
Web
02/05/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33186
Web
02/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92373
Web
02/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MA
  • 01886
Web
02/03/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
01/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19064
Web
01/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MD
  • 21222
Web
01/27/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • NC
  • 27707
Web Servicemember
01/26/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • CT
  • 06484
Web
01/24/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 21001
Web
01/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MS
  • 38655
Web
01/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MS
  • 38655
Web
01/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 06360
Web
01/13/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • TX
  • 75070
Web
01/11/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • MD
  • 21054
Phone
01/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33065
Web
01/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33065
Web
01/08/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • IL
  • 60901
Phone
01/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11230
Web
01/05/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CA
  • 91321
Web
01/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02301
Web
01/01/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75115
Web
12/30/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NV
  • 89044
Postal mail Older American
12/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • NJ
  • 07050
Web
12/26/2020 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NV
  • 89103
Web
12/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • UT
  • 84060
Web
12/22/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem extending the lease
Phone
12/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27704
Phone Older American
12/21/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • FL
  • 32735
Web
12/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 95136
Web
12/18/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CA
  • 91321
Web
12/14/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Denied request to lower payments
  • NY
  • 10952
Web
12/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 08406
Web
12/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76133
Web
12/11/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02302
Web
12/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 21060
Web Servicemember
12/11/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with signing the paperwork
  • VA
  • 24112
Phone Older American
12/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27704
Phone Older American
12/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33980
Web Older American
12/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • SC
  • 29154
Web Servicemember
12/04/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • NJ
  • 08701
Referral
12/03/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • GA
  • 30253
Phone Older American
12/01/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • MD
  • 20623
Phone
12/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11231
Fax
11/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30331
Web Servicemember
11/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11429
Referral
11/26/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02124
Web
11/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 28215
Web Servicemember
11/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75140
Web
11/23/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • TX
  • 78009
Web Servicemember
11/23/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60411
Fax
11/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 08226
Fax
11/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33994
Web
11/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30349
Web
11/20/2020 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07071
Referral
11/19/2020 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 08690
Fax
11/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32703
Web
11/17/2020 No
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • DC
  • 20019
Web
11/16/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 10970
Web
11/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 21001
Web
11/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07753
Fax
11/13/2020 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07721
Fax
11/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33173
Web
11/11/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • FL
  • 33612
Web Servicemember
11/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07666
Referral
11/10/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07071
Fax
11/09/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Denied request to lower payments
Phone
11/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07031
Referral
11/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33543
Referral
11/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 10457
Referral
11/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TX
  • 75078
Web
11/04/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
Phone
11/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07753
Referral
11/03/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • High-pressure sales tactics
  • TX
  • 75225
Postal mail
10/30/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • FL
  • 33914
Web
10/30/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • AL
  • 36875
Fax
10/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 07753
Fax
10/29/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • AL
  • 35209
Fax
10/29/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 10457
Fax
10/27/2020 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10550
Fax
10/27/2020 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11801
Fax
10/26/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33323
Web Servicemember
10/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • DC
  • 20029
Phone
10/24/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • MS
  • 38637
Web
10/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IN
  • 46077
Web
10/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 22311
Web
10/21/2020 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 34713
Web
10/17/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • NY
  • 14468
Web
10/13/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34119
Web
10/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AR
  • 72903
Web
10/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NV
  • 89147
Web
10/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • CO
  • 80022
Web
10/08/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • NY
  • 12487
Web
10/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PR
  • 00907
Web
10/07/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • TX
  • 75140
Web
10/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33682
Web
10/05/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • CA
  • 92234
Phone
10/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33612
Web Servicemember
10/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33137
Web
10/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60181
Web
09/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77084
Web
09/25/2020 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29697
Web
09/24/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • FL
  • 34753
Phone
09/22/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • FL
  • 34753
Fax
09/18/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • FL
  • 33991
Web
09/14/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11205
Web
09/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 18466
Web
09/11/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • AZ
  • 85747
Web Servicemember
09/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 77407
Web
09/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 10977
Web
09/08/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • High-pressure sales tactics
  • MD
  • 20746
Phone Older American, Servicemember
09/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 98023
Web
09/04/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 32746
Phone
09/03/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 70433
Postal mail
09/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 11233
Web
08/27/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30135
Phone
08/26/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92124
Web
08/19/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • NC
  • 28078
Web
08/17/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • NC
  • 28036
Web
08/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 20708
Web
08/14/2020 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75043
Web
08/14/2020 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75181
Web
08/11/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • NY
  • 10301
Web
08/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60181
Web
08/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60181
Web
08/10/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 15701
Web
08/05/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • RI
  • 02895
Web
08/01/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • PA
  • 17011
Web
07/28/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33682
Web
07/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33953
Web Older American
07/25/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 29924
Web
07/24/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • OH
  • 45806
Web
07/24/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • OH
  • 44512
Web
07/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30080
Web
07/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 77584
Web
07/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76108
Web
07/19/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account information incorrect
  • MA
  • 02151
Web
07/17/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • GA
  • 30076
Web
07/03/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 11767
Web
06/30/2020 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44512
Web
06/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 44512
Web
06/29/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with a trade-in
Phone
06/23/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70403
Fax
06/23/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Denied request to lower payments
  • PA
  • 19152
Phone
06/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 98042
Web
06/19/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • TX
  • 77365
Web
06/18/2020 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • CA
  • 91977
Web
06/18/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • FL
  • 34475
Phone
06/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • TN
  • 37221
Web
06/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33021
Web
06/15/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • GA
  • 30068
Web
06/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • NC
  • 27863
Web
06/11/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • TN
  • 38115
Web
06/08/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07002
Web
06/05/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 23009
Web
06/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75244
Web
06/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33137
Web
06/02/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MS
  • 38655
Fax
06/01/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • NY
  • 12018
Web
05/31/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WI
  • 53224
Web
05/31/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30080
Web
05/29/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • NY
  • 11954
Web
05/28/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • FL
  • 33682
Web
05/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85014
Web
05/26/2020 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90201
Web
05/19/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • TX
  • 75025
Web
05/13/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • CT
  • 06831
Postal mail
05/12/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Old information reappears or never goes away
  • GA
  • 30318
Web
05/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • DE
  • 19702
Web Older American
05/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 21117
Web
05/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11516
Web
05/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77586
Web
05/01/2020 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92337
Referral
04/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11238
Web
04/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • IN
  • 46394
Web Servicemember
04/26/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • FL
  • 33402
Web
04/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 19382
Web
04/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11516
Web
04/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19082
Web
04/16/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • VA
  • 23456
Web Servicemember
04/10/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • NC
  • 28054
Referral
04/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23185
Web Servicemember
04/07/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Denied request to lower payments
  • IL
  • 60637
Phone
03/30/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10550
Web
03/27/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • MA
  • 01983
Web
03/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • ND
  • 58441
Web
03/24/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Denied request to lower payments
  • TX
  • 75409
Web
03/23/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • IL
  • 62208
Phone Servicemember
03/23/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • FL
  • 33682
Web
03/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • FL
  • 34950
Web
03/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02145
Web
03/07/2020 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77546
Web Servicemember
03/06/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • VA
  • 22150
Web
03/05/2020 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NH
  • 03878
Referral
02/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 95823
Web
02/28/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 34292
Web
02/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 19082
Web
02/21/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • TX
  • 78704
Phone Older American
02/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02145
Web
02/04/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Problem with signing the paperwork
  • TN
  • 37228
Web
02/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 95823
Web
02/04/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • FL
  • 33301
Web
02/01/2020 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • KS
  • 66109
Web
01/30/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • TX
  • 75211
Phone
01/28/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • TX
  • 79424
Web
01/27/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with a trade-in
Phone Older American, Servicemember
01/27/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33572
Referral
01/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 08857
Fax
01/25/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Problem after you declared or threatened to declare bankruptcy
  • TX
  • 79424
Web
01/20/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • IA
  • 50131
Web
01/20/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • TX
  • 79424
Web
01/18/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33024
Web
01/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 91606
Web
01/16/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • PA
  • 18929
Web
01/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • LA
  • 70346
Web
01/07/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Termination fees or other problem when ending the lease early
  • VA
  • 22033
Web
01/06/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
Phone
12/27/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07728
Web
12/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • 22304
Web
12/26/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem related to refinancing
  • AL
  • 35244
Fax
12/18/2019 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02124
Postal mail
12/14/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • MA
  • 02472
Web
12/12/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • MN
  • 55369
Web
12/12/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • LA
  • 70725
Web
12/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33142
Referral
12/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78504
Phone
12/05/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 34974
Web
12/05/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • FL
  • 32839
Referral
11/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MA
  • 01532
Referral
11/21/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • CA
  • 94703
Web Older American, Servicemember
11/15/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 94509
Phone
11/14/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77429
Phone Older American
11/13/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77009
Web
11/13/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • TX
  • 78660
Web
11/12/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 93304
Web
11/12/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NJ
  • 07661
Web
11/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30318
Web
11/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • NY
  • 10469
Web
11/08/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MS
  • 39652
Web
11/06/2019 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • NY
  • 11706
Web
11/06/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07728
Postal mail
10/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Received unwanted marketing or advertising
  • DC
  • 20002
Web
10/28/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account information incorrect
  • MA
  • 01803
Web
10/27/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Received unwanted marketing or advertising
  • GA
  • 30230
Web
10/17/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • CT
  • 06095
Web
10/10/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Credit denial
  • NY
  • 11238
Web
09/24/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
09/23/2019 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60649
Postal mail
09/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 07670
Web
09/10/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07936
Web
09/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92590
Web
09/03/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19460
Web
08/28/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account status incorrect
  • MA
  • 01850
Web
08/27/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 38016
Postal mail
08/19/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • AZ
  • 85142
Web
08/07/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Denied request to lower payments
  • CA
  • 90604
Web
08/07/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30294
Web Servicemember
08/05/2019 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10473
Fax
08/03/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • TX
  • 76126
Web
08/03/2019 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • 10550
Web
07/29/2019 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35160
Referral
07/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07624
Web
07/23/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NY
  • 11236
Web
07/22/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • NC
  • 28806
Web Older American
07/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07624
Web
07/19/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • CA
  • 90018
Web Older American
07/16/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • NY
  • 11720
Web Older American, Servicemember
07/15/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • MI
  • 48326
Web
07/13/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • TX
  • 77089
Web
07/12/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 31322
Web
07/08/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • NY
  • 11201
Web
07/03/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TN
  • 37415
Web
06/29/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • High-pressure sales tactics
  • NY
  • 11413
Postal mail
06/27/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • TX
  • 76227
Web
06/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 15201
Web
06/24/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • FL
  • 33853
Web
06/22/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 19127
Fax
06/18/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07670
Web
06/16/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • WI
  • 53104
Web
06/13/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • NC
  • 28270
Web
06/11/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • LA
  • 70460
Fax
06/11/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • TX
  • 76227
Web
06/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 90046
Web
06/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 15219
Web
05/27/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • AL
  • 36117
Web
05/27/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • AZ
  • 85201
Web
05/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • OH
  • 44111
Web
05/15/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 76105
Web
04/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 20772
Web
04/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 44111
Web
04/25/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • TX
  • 77213
Fax
04/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 18954
Web
04/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 95348
Postal mail
04/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AL
  • 35133
Web
04/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • UT
  • 84091
Web Servicemember
04/03/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • WV
  • 25143
Web
03/27/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • NJ
  • 08830
Web
03/27/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account status incorrect
Phone
03/23/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • MI
  • 48244
Referral
03/20/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • IL
  • 62650
Web
03/20/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account status incorrect
  • RI
  • 02906
Web
03/20/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Termination fees or other problem when ending the lease early
  • NY
  • 10314
Web Older American, Servicemember
03/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MS
  • 38635
Web
03/08/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • PA
  • 19444
Web
03/04/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • NJ
  • 08844
Postal mail
03/04/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92129
Web
02/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 98104
Web
02/22/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • FL
  • 33913
Web Older American
02/19/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Information is missing that should be on the report
  • NV
  • 89166
Web
02/19/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • VA
  • 23834
Web
02/14/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MO
  • 63033
Web
02/06/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
Referral
02/05/2019 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90303
Web
02/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 15212
Web
01/29/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CA
  • 91208
Web
01/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 91326
Web Servicemember
01/25/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • NY
  • 10469
Web
01/18/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • FL
  • 33063
Web
01/14/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 45801
Web
01/05/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11210
Web Servicemember
12/21/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28212
Web
12/20/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • KY
  • 40223
Postal mail
12/18/2018 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30650
Web
12/14/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27519
Postal mail
12/14/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77545
Web
12/13/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
Phone
12/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 63303
Referral
11/29/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • CA
  • 91321
Web
11/23/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32757
Web
11/20/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07003
Web Servicemember
11/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32908
Phone
11/15/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 37211
Web
11/14/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NJ
  • 07112
Web
11/09/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20874
Web
11/08/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Public record information inaccurate
  • AZ
  • 85299
Phone Servicemember
11/08/2018 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Struggling to pay your loan
Phone
11/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77272
Web
11/07/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • NJ
  • 08820
Postal mail Older American
11/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60123
Web Older American
11/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77632
Web Servicemember
11/01/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • MI
  • 48331
Postal mail
10/31/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
Phone
10/30/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • UT
  • 84020
Web Servicemember
10/18/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • GA
  • 30263
Web
10/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20874
Web
10/05/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • AL
  • 35470
Web
09/26/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NY
  • 11596
Web
09/25/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60302
Referral
09/21/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • MA
  • 02420
Web Older American
09/19/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • FL
  • 33573
Postal mail Servicemember
09/11/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • NY
  • 11553
Web Servicemember
09/07/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • NY
  • 11207
Web Servicemember
09/07/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 34691
Referral
09/03/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • FL
  • 32766
Web
08/31/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • NM
  • 88001
Web
08/28/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
Phone
08/27/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AE
  • 09012
Web Servicemember
08/25/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • WI
  • 53225
Web
08/23/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 91605
Web
08/22/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TX
  • 75075
Web
08/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 11706
Web
08/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 19120
Web
08/10/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • CA
  • 94508
Web Servicemember
08/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77377
Web
08/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11670
Web Servicemember
08/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WI
  • 53213
Web
08/07/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WI
  • 53713
Web
08/07/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • NY
  • 10605
Referral
07/31/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Fraudulent loan
  • CA
  • 90035
Phone
07/19/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
Phone
07/12/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Termination fees or other problem when ending the lease early
  • FL
  • 34286
Web
07/11/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60618
Postal mail
07/10/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • CA
  • 95212
Web
07/04/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • NY
  • 11230
Web
06/28/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with additional add-on products or services purchased with the loan
  • FL
  • 33460
Referral
06/27/2018 No
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • NY
  • 11576
Web
06/26/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63366
Web
06/19/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • FL
  • 32968
Phone Servicemember
06/18/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 27944
Web
06/11/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
Phone
06/08/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
Phone
06/06/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 79015
Web
06/05/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • SC
  • 29680
Web
06/04/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07024
Fax
06/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 07601
Web
05/24/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • LA
  • 70460
Fax
05/14/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60064
Web
05/11/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • AZ
  • 85020
Web
05/04/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • CA
  • 95125
Web
05/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • TX
  • 77339
Web Servicemember
05/03/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • MA
  • 02364
Referral
05/02/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75002
Postal mail
04/29/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • FL
  • 34234
Web
04/25/2018 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NY
  • 14450
Web
04/24/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • NY
  • 11946
Phone
04/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 76087
Web
04/18/2018 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • 60637
Web
04/15/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • DE
  • 19970
Web
04/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11221
Web
04/12/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • WI
  • 53235
Postal mail
04/11/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • NJ
  • 07748
Web
04/11/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11552
Fax
04/09/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • NH
  • 03582
Referral
04/06/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07730
Fax
03/26/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
Phone
03/25/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TN
  • 37030
Web
03/24/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • AL
  • 36695
Web Older American
03/19/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
Phone
03/19/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92119
Web
03/17/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • VA
  • 22182
Web
03/13/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • NY
  • 11946
Fax
03/01/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 32827
Web
03/01/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MN
  • 55113
Web
02/27/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • IN
  • 47001
Phone
02/26/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27804
Web
02/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MN
  • 55113
Web
02/23/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77584
Web Servicemember
02/14/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 90232
Web
02/11/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33617
Web
02/09/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • LA
  • 70072
Web
02/08/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TX
  • 77339
Web Servicemember
02/07/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33331
Web
02/02/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TX
  • 79407
Web
02/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30309
Postal mail
01/26/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MO
  • 63141
Web
01/25/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OK
  • 74012
Web
01/23/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • DC
  • 20008
Fax
01/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MA
  • 02019
Web
01/19/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • TX
  • 78642
Web
01/18/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 08854
Postal mail
01/17/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finish
  • FL
  • 33432
Web
01/15/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 91405
Web
01/09/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • CA
  • 92690
Web
01/07/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30260
Web
01/06/2018 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AL
  • 36784
Web
01/04/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • CA
  • 94583
Web
01/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11234
Web
01/04/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • TX
  • 75062
Phone
01/02/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • VA
  • 23701
Postal mail
12/24/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92544
Web
12/21/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32824
Web
12/20/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11550
Web
12/20/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
Phone
12/17/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • GA
  • 30344
Web
12/16/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • FL
  • 32608
Web
12/08/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
Phone
12/07/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85016
Web
12/06/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • FL
  • 33312
Web
12/05/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Confusing or misleading advertising
  • NE
  • 68154
Web
12/05/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Denied request to lower payments
  • CA
  • 92376
Web
12/05/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • CA
  • 94903
Web
12/01/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MI
  • 48382
Web
11/30/2017 No
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • OH
  • 43206
Web
11/28/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • 98370
Web
11/23/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77707
Web
11/21/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91340
Web
11/17/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07717
Postal mail
11/16/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • FL
  • 33181
Web
11/14/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • OK
  • 73162
Web
11/07/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • UT
  • 84124
Web
11/04/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • GA
  • 30188
Web
11/03/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • UT
  • 84124
Web
10/30/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TN
  • 37130
Web
10/28/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32824
Web
10/21/2017 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60110
Web
10/20/2017 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33907
Web
10/18/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32218
Web Servicemember
10/12/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85233
Web Servicemember
10/10/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem extending the lease
  • CA
  • 94061
Web
10/06/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • DC
  • 20009
Web
10/06/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92211
Fax
10/04/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NC
  • 28412
Web
09/26/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account information incorrect
Phone
09/22/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • TX
  • 77082
Web
09/21/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with a trade-in
  • CA
  • 90044
Phone
09/21/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • FL
  • 33015
Phone
09/12/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11710
Web
09/08/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • NJ
  • 07095
Web
09/01/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • WV
  • 25704
Phone
08/17/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • NJ
  • 08021
Phone
08/16/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • VA
  • 23058
Web
08/15/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • TX
  • 77375
Phone
08/14/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33150
Phone
08/11/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 93305
Web
08/05/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NC
  • 28027
Web
07/28/2017 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 78737
Web
07/26/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 29707
Web
07/24/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • NC
  • 28328
Postal mail
07/24/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • PA
  • 17222
Web
07/21/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • VA
  • 23058
Web
07/11/2017 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60443
Web
07/11/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11213
Web
07/07/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • CA
  • 90255
Phone
07/05/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76040
Web
07/04/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • TX
  • 76040
Web
07/04/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76040
Web
06/28/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • FL
  • 33563
Web
06/27/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • CA
  • 95135
Referral
06/25/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • IL
  • 60099
Web
06/22/2017 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • MD
  • 20785
Fax
06/16/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77584
Postal mail Servicemember
06/13/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • TX
  • 77631
Referral
06/12/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • CA
  • 92648
Web
06/08/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Termination fees or other problem when ending the lease early
  • FL
  • 33322
Web
06/08/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • NC
  • 28328
Postal mail
06/07/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • TX
  • 75067
Web
06/07/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • NV
  • 89509
Phone
05/31/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 01844
Web
05/26/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • FL
  • 33419
Referral
05/24/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75067
Web
05/19/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Problem when attempting to purchase vehicle at the end of the lease
  • CA
  • 93535
Web
05/14/2017 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28025
Web
05/11/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Confusing or misleading advertising
  • SD
  • 57706
Phone Servicemember
05/03/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • GA
  • 30044
Web
04/26/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with a trade-in
  • TN
  • 37075
Web
04/12/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • NY
  • 11358
Postal mail
04/03/2017 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91401
Referral
04/03/2017 Yes
  • Consumer Loan
  • Vehicle lease
  • Shopping for a loan or lease
  • NC
  • 27863
Phone
03/26/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • SC
  • 29708
Web
03/25/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 20716
Web
03/21/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • MD
  • 20783
Referral
03/21/2017 Yes
  • Consumer Loan
  • Vehicle lease
  • Problems when you are unable to pay
  • MA
  • 02152
Web
03/19/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • UT
  • 84124
Web
03/14/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • IL
  • 60411
Web
02/27/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • TN
  • 37421
Web
02/23/2017 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • NJ
  • 07506
Referral
02/10/2017 Yes
  • Consumer Loan
  • Vehicle lease
  • Problems when you are unable to pay
  • TX
  • 75034
Web
02/07/2017 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AZ
  • 85379
Web
02/06/2017 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AZ
  • 85379
Web
02/01/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CT
  • 06606
Web
01/31/2017 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • CA
  • 90047
Referral
01/25/2017 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 91040
Web
01/21/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 91709
Web
01/20/2017 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • IN
  • 47001
Web
01/19/2017 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • NC
  • 28027
Phone
01/17/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • GU
  • 96667
Web Servicemember
01/11/2017 Yes
  • Consumer Loan
  • Vehicle lease
  • Problems when you are unable to pay
  • AZ
  • 85250
Web
01/11/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account terms
  • TX
  • 78213
Referral
01/11/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • TX
  • 79602
Phone
01/11/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AR
  • 72223
Web
01/10/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NY
  • 11433
Postal mail
01/09/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 75052
Web
01/03/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MN
  • 55123
Web
12/20/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NE
  • 68505
Web
12/13/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • FL
  • 32824
Web
12/05/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • VA
  • 23324
Postal mail
12/01/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MS
  • 39440
Web
11/23/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • IL
  • 60564
Referral
11/21/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CA
  • 90221
Referral
11/06/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • CA
  • 91321
Web
11/05/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • GA
  • 30039
Web
11/03/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30013
Web
10/25/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • SC
  • 29485
Web Servicemember
10/20/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • OK
  • 73142
Referral
10/18/2016 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NJ
  • 07106
Web
10/18/2016 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MO
  • 63033
Web
10/06/2016 Yes
  • Debt collection
  • Auto
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 35210
Web
10/02/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OH
  • 43015
Web
09/28/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • WI
  • 54401
Referral
09/26/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NC
  • 28016
Web
09/16/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CA
  • 92065
Web
09/16/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AZ
  • 85254
Web
09/14/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • TX
  • 76248
Web
09/14/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • WA
  • 98513
Web
09/09/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AZ
  • 85335
Web
09/08/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Shopping for a loan or lease
  • NY
  • 11219
Web
09/08/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AL
  • 36442
Phone
09/06/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Shopping for a loan or lease
  • NY
  • 10901
Web
09/03/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • TX
  • 75063
Web
09/03/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • ME
  • 03908
Web Servicemember
09/02/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Problems when you are unable to pay
  • MN
  • 55422
Web
09/02/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 93454
Web
08/22/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • NC
  • 28056
Phone Servicemember
08/18/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 91606
Web
08/17/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • NY
  • 11219
Web
08/16/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • TN
  • 38381
Web Servicemember
08/11/2016 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Used obscene/profane/abusive language
  • CA
  • 91326
Web
08/10/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MN
  • 55433
Phone Older American
08/09/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75137
Referral
08/02/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • NY
  • 11229
Phone
07/24/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • NE
  • 68130
Web
07/22/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • IL
  • 60827
Postal mail Servicemember
07/20/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • FL
  • 33598
Phone Older American, Servicemember
07/13/2016 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • LA
  • 71367
Web Servicemember
06/30/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • WA
  • 98065
Web
06/23/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MD
  • 21108
Web
06/22/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • CO
  • 80919
Web
06/21/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MI
  • 48178
Referral
06/15/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 75287
Web
06/01/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • CT
  • 06492
Phone
05/18/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • NY
  • 11741
Postal mail
05/16/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • FL
  • 32218
Web Servicemember
05/09/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • GA
  • 30022
Web
05/06/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WA
  • 98065
Web
05/05/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • TX
  • 79902
Postal mail Older American
05/04/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • NJ
  • 07407
Postal mail
05/04/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • IN
  • 47403
Web
05/02/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Taking out the loan or lease
  • MD
  • 21215
Phone
04/30/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Taking out the loan or lease
  • CA
  • 91744
Web
04/28/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Taking out the loan or lease
  • NJ
  • 07430
Web
04/25/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • RI
  • 02859
Web
04/22/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • IL
  • 60505
Referral
04/14/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • FL
  • 33028
Web
04/14/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 22152
Web
03/28/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 77459
Web
03/16/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NJ
  • 07748
Phone
03/14/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • TX
  • 76002
Web
03/07/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • DC
  • 20019
Web
02/26/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • PA
  • 18109
Web
02/23/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 75126
Web
02/22/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AZ
  • 85254
Web
02/20/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 90007
Web
02/18/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • IL
  • 60104
Web
01/30/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • OH
  • 44221
Web
01/26/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • UT
  • 84105
Web
01/12/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • WA
  • 98102
Web
01/09/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NJ
  • 07430
Web
01/04/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • IL
  • 60614
Web
01/03/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • KS
  • 67401
Web
12/30/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 91505
Postal mail
12/30/2015 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Right to dispute notice not received
  • IL
  • 60085
Web
12/29/2015 No
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • OK
  • 73099
Web
12/23/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CA
  • 90026
Fax Older American
12/22/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • MO
  • 63303
Web
12/17/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NY
  • 10312
Postal mail
12/17/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NY
  • 11530
Web
12/11/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • FL
  • 34233
Web
12/06/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Taking out the loan or lease
  • CA
  • 92129
Web
11/24/2015 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30052
Web
11/20/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • NJ
  • 08854
Web
11/17/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • PA
  • 19054
Web
11/10/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • IL
  • 60101
Web
11/03/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • FL
  • 34653
Web
11/02/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OH
  • 45237
Phone
10/30/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • NY
  • 14227
Web
10/27/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • NC
  • 28105
Web
10/26/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • TX
  • 75915
Web
10/26/2015 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • FL
  • 32935
Web
10/22/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • NY
  • 14227
Web
10/20/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • TX
  • 77545
Web