Nissan Motor Acceptance Company LLC

I accidentally entered the wrong bank account information to payoff my car on XX/XX/XXXX. I got messages XX/XX/XXXX that the payment failed. However, somehow, only ~ {$11000.00} of it failed. NMAC accepted a payment for ~ {$6000.00} from an erroneous bank account. I immediately paid off the ~ {$11000.00} so that I would not be stuck with interest. Somehow, however, this payment triggered an account closure, of which I was also informed on XX/XX/XXXX. The account was still considered " FULLY PAID '' and " CLOSED '' until today - XX/XX/XXXX. Thus, I was unable to remedy the issue to correct the bank account entry issue, and pay what I actually owed. I made several phone calls and opened several chat windows with agents at NMAC to ask them to reverse the erroneous payment and reopen the account. They told me to wait XXXX hours sometimes, and sometimes they told me to wait up to a month.…

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Hello, I have been trying since XXXX of XXXX to get my car title from Nissan Motor Acceptance Co after moving from Tennessee to Virginia. This is a timeline and explanation of their efforts and lies during these 4 months of trying in vain to get my car title from them. XX/XX/XXXX - I used their online chat portal to request my title. They do not send it directly to customers for some reason so wanted to send it to the XXXX I was going to use. I do and ask for a tracking number due to upcoming bad weather. They inform me it is sent through regular mail. I saved the chat records if needed. XX/XX/XXXX - After the XXXX are over I went to my XXXX. They didnt have the title. They took my relevant documents so that they would be able to start the XXXX XXXX and know how to reach me if they received the title. XX/XX/XXXX - XXXX minute phone call with Nissan. They said that the mail may be extremely behind due to the XXXX and weather and to continue waiting.…

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I am filing a complaint against Nissan Motor Acceptance XXXX regarding improper handling and retention of funds related to my auto lease account. During my lease, a motor vehicle tax payment in the amount of {$240.00} was made on my behalf. The XXXX, Connecticut XXXX XXXX XXXX later returned this payment to Nissan on XX/XX/year> ( Check # XXXX ). I have verified through official documentation that Nissan received these funds. Nissan did not refund this money to me and did not notify me that the funds had been returned. As a result, I was required to pay {$110.00} in interest to the tax authority to resolve the outstanding tax bill. When I contacted Nissan, I was given conflicting explanations. I was initially told that I was not owed any money, and later told that the returned funds were applied to a balance I allegedly owed.…

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In XXXXXX/XX/XXXX 2025 I Returned my old lease to XXXX XXXX XXXXXX/XX/XXXX early. I then purchased a new lease that same day. The salesman assured me they would absorb the wear and Tear and mileage of old lease which is normally the custom. Several months later I received a bill for XXXX XXXX dollars for the old lease, which I still have no idea how they came to that amount.After several phone calls to salesman and branch managers they assured me that the problem would be fixed. I now am receiving letters from a collection agency. They now lie and state they would not absorb the wear tear and that I must have been confused. Btw no problems with memory and I have been leasing cars for XXXX years. I am just shocked by the sleazy bait and switched tactics practice at XXXX XXXX XXXXXX/XX/XXXX

I am filing this formal complaint against Nissan Motor Acceptance Company ( XXXX ) for their persistent failure to correct a blatant billing error and for ignoring my multiple attempts to resolve this issue. XXXX. The Evidence : I leased a XXXX XXXX LEAF ( VIN : XXXX ) and returned it to XXXX of XXXX on XX/XX/XXXX. At the time of return, I received an official " Vehicle Return Receipt and Odometer Statement '' ( Account # XXXX ). This document, signed by the dealership representative XXXX XXXX, explicitly marks " XXXX XXXX XXXX : Yes '' ( see attached ). This is conclusive proof that the charger was returned with the vehicle. XXXX. Failure to Assist and Negligence : Despite this clear evidence, XXXX continues to charge me {$650.00} for the cable and is reporting this as a delinquent debt on my credit report. I have exhausted all efforts to resolve this : Phone Calls : I have called XXXX multiple times. Most calls were disconnected or ignored.…

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I am filing this complaint against the furnisher for reporting inaccurate, misleading, and unverifiable information on my consumer credit reports, and for failing to correct these issues despite multiple disputes. The account in question is being reported in a manner that is internally inconsistent, lacks proper documentation, and does not meet the accuracy standards required under federal law. Despite prior disputes, the furnisher has continued to verify this account without providing any competent evidence, documentation, or records to support the reported information, including alleged payment history, account status, or delinquency. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be 100 % accurate, complete, and verifiable. If a furnisher can not substantiate the information with proper documentation, the information must be removed. The continued reporting of this account constitutes violations of : 15 U.S.C.…

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I am disputing the accuracy of an account being reported on my credit report. I have not received documentation validating the balance, payment history, or proof that the reporting entity has the legal right to report this debt. Under the Fair Credit Reporting Act, I am requesting verification of this account. If the account can not be properly validated, I request that it be removed from my credit report.

I leased a car in XXXX and was paying sales tax through my monthly lease payments. I then moved to XXXX, which requires sales tax to be paid upfront. I paid the required tax at the XXXX XXXX and submitted the form provided by them. I have called the company four times to resolve the issue. On my last call, I was told my submission was rejected, but the company refused to provide a reason. I also contacted the XXXX XXXX, who confirmed that the form I submitted is the correct legal form. I am seeking clarification on why my form was rejected and a resolution to ensure my payments are properly credited and no additional fees are assessed. Call/Email Log ( insert dates here ) : XX/XX/year> called company XX/XX/year> emailed & called XX/XX/year> - called company XX/XX/year> called company XX/XX/year> called company XX/XX/year> - called the company and then dealership for help

I bought a XXXXXXXX XXXX XXXXXXXX XXXX at the Nissan dealership in XXXXXXXX XXXX in XXXX requested that my billing statements to be sent to my home in paper copies. Nissan Acceptance Company decided unilaterally, without informing, nor asking me at, to stop mailing me these paper billing statements, being the last received on XX/XX/XXXX for the XXXX cycle. I started calling their customer service around Fall, and I have several times. These calls have been unsuccessful. I have made the same complain with them at each call, and at each, I am being told that they will resume mailing me my paper billing statements, but I have been lied at every single call. Federal Law requires my consent to switch to paperless billing. I have never been asked, nor informed, and least, I would have never given my consent. As of XX/XX/XXXX, the Illinois House voted the XXXX XXXX XXXX prohibiting companies from charging extra fees to consumers who request paper monthly billing statements.…

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I purchased and titled a car in XXXX. After moving to XXXX I have been unable to get Nissan Motor XXXX to release the required information to XXXX XXXX. This has resulted in me getting personal property tax bills from both XXXX and XXXX. I have repeated requested assistance over the past 14 months and they have provided no resolution.

This complaint is directed to XXXX XXXX Due to financial constraints I missed XXXX payments in XXXX XXXX and XXXX of last year but was able to make payments in XXXX and XXXX. I called them to ask for a payment deferral while I was getting my finances sorted and they said no. On the night of XX/XX/year> they repossessed my car without giving me prior notice ( right to cure ). I was under the impression that since I had made the last XXXX payments and put extra money in each payment to help with late fees, that I was in no danger of being repossessed. If they had sent the right to cure notice I would have gotten the money together to cure the situation. When I called them about the repossession they informed me that I needed to pay for the XXXX missed months ( XXXX, XXXX and XXXX ) plus {$500.00} in repo fees.

In XX/XX/year>, I traded a leased XXXX XXXX in on a new XXXX XXXX at XXXX XXXXXXXX XXXX XXXXXXXX. The sales representative, XXXX XXXX, took the XXXX XXXX in on trade, " grounded '' the existing lease land made the trade in " seamless '' covering any termination and inspection fees. He fully inspected the traded vehicle and gave me a new lease on na new XXXX model. Then, XXXX months after the fact, I got a bill from XXXXissan for {$1200.00} for a prorated final month 's lease payment and " excess wear and tear ''. I contacted the dealer and the sales manager, XXXX XXXX, took over explaining that XXXX XXXX had not timely " grounded '' the old lease and that he would take care of the difference.…

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Complaint Date : XX/XX/XXXX I am filing this complaint regarding Nissan Motor Acceptance Company LLC ( NMAC ). NMAC is reporting my former auto lease as OPEN with a balance of {$6500.00} as of XX/XX/XXXX. The lease was terminated and the vehicle returned in XX/XX/XXXX. Nissans own End-of-Lease statement states the lease was brought to a close and refers to a closed lease account. Despite this, NMAC continues reporting the account as OPEN. This is inaccurate and materially misleading under the Fair Credit Reporting Act. An account that has been terminated and for which the collateral has been returned can not be accurately characterized as OPEN. NMAC has already responded to CFPB previously but has refused to correct this inaccurate reporting. Requested Resolution : Immediate update to CLOSED / TERMINATED OR Permanent deletion of the tradeline If not corrected, I intend to pursue litigation under the FCRA for willful noncompliance.

In XX/XX/year>2025 I was behind on my payments by almost XXXX months. I called NMAC to make a payment because the app that I normally make my payments from would not allow me to process XXXX month payment it was requiring me to make XXXX months payments. At the time of processing my {$800.00} payment, the associate asked when I would be making the remainder of my payments. I told him by XX/XX/year>2025, the next due date, I would be making the remaining XXXX payments to bring the account current. I received a payment confirmation email and believed everything was fine. On XX/XX/year>2025, I woke up to my car being missing. I reviewed my Ring camera and realized my car was repossessed. I immediately called NMAC and inquired why did they repossess my car when I was only XXXX days late and told them on XX/XX/year>2025 I would pay the remaining balance due. The representative explained that my XXXX payment was not processed because they could not find the account.…

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On XX/XX/2026, I visited XXXX XXXX XXXX XXXX XXXX to explore vehicle financing. I explicitly authorized a credit check only with XXXX XXXX. Without my consent, the dealership submitted my credit application to multiple lenders. As a result, numerous hard inquiries appeared on my credit reports with XXXX, XXXX, and XXXX. Unauthorized inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( duplicate inquiries ) XXXX XXXX These companies did not have permissible purpose to access my credit file under the Fair Credit Reporting Act ( FCRA ), as I did not authorize my credit to be run with them. I am requesting : Removal of all unauthorized inquiries Confirmation that my credit will not be accessed without explicit consent in the future Investigation into the dealerships improper credit submission practices This situation has caused unnecessary harm to my credit profile and stress. I am seeking prompt resolution.…

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The Infiniti XXXX account is over 7 years old and and is out by time. Last payment showing XX/XX/year>. In addition, no payments have currently been made on this account since XX/XX/year>. PLEASE REMOVE FROM CREDIT REPORT OUT BY TIME. A FLAG DOES NOT STOP IT FROM BEING REMOVED. NO PAYMENTS ON THIS ACCOUNT SINCE XX/XX/year>. IF CURRENLTY IN GOOD STANDING NEED PROOF OF PAYMENTS AND THE AMOUNT. YOU CAN NOT STATE IN GOOD STANDING IF NO PAYMENTS ARE BEING MADE. THIS ACCOUT HAS BEEN TERMINATED WHICH MEANS CLOSED

I am filing a complaint against XXXX XXXX XXXX for deceptive sales practices, undisclosed fees, misrepresentation of financing terms, and the addition of unauthorized aftermarket products to my auto loan. After reviewing my Retail Installment Sale Contract and itemization of the amount financed, I discovered significant discrepancies between what I was told at the dealership and what was actually added to my loan. XXXX XXXX XXXX included multiple add-on products and inflated fees without my knowledge or consent, including an {$800.00} XXXX XXXX XXXXXXXX XXXX I did not agree to, as well as additional aftermarket items listed under vague or misleading labels. These products were never explained, never disclosed, and I was never provided any documentation, policy details, or signatures validating my authorization. These charges were packed into the loan in a way that concealed their presence and inflated both my principal balance and APR.…

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I am submitting this CFPB complaint in good faith to request clarification, review, and corrective assistance regarding a vehicle transaction and subsequent auto loan that I am struggling to fully understand and afford. I am not alleging intentional wrongdoing as a certainty at this stage ; however, I am concerned that the transaction was not explained in a clear, timely, or transparent manner that allowed me to make an informed decision, and that the resulting loan structure and vehicle issues have caused substantial financial harm. Background and Reason for Visiting the Dealership Prior to this transaction, I was financing a XXXX XXXX, which I paid consistently for approximately three years without issue. My monthly payment was {$510.00}. Around that time, I received multiple mailers encouraging me to refinance my vehicle for lower monthly payments.…

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Account : Nissan Motor Acceptance Disputed Item : XXXX Late Payment Reporting Reason : Inaccurate Furnisher Contradiction On XX/XX/XXXX, Nissan Motor XXXX XXXX XXXX XXXX displayed my account as : Paid Through : XX/XX/XXXX Next Payment Due : XX/XX/XXXX The account was therefore represented as CURRENT at the time. Nissan can not lawfully report a XXXX delinquency while simultaneously representing the account as paid through XXXX with a future due date in XXXX. This is a factual contradiction and constitutes inaccurate furnishing under the FCRA. Attachments : XXXX of Nissan portal dated XX/XX/XXXX ( Exhibit A ) and my XXXX calls to XXXX XXXX XXXX

We refinanced our auto loan with XXXX and was due a refund on Gap insurance. In the payoff letter it states we will be getting a refund. They sent pay off letter and title was issued to the other finance company in XXXX and when i called XXXX dealer in XXXX to get my refund they send the Gap to XXXX. I called them and they are trying to say that it belongs to them, I tried to explain that is not true we traded in several cars and got our refund and they would of never got this had I not requested from the dealer. They did a reversal and applied the Gap payment on our loan. And refuse to refund.

Company : Nissan Motor Acceptance Corporation Issue : Incorrect balance / failure to credit payment / sent to collections Complaint : I leased a XXXX Nissan XXXX On XX/XX/XXXX, I purchased XXXX Nissan XXXX XXXX XXXX through Nissans portal ( Order # XXXX ) for {$2100.00}. My bank shows the debit to NISSANUSA.COM on XX/XX/XXXX. Despite this, Nissan later claimed I owed {$5600.00} in excess mileage and sent the account to XXXX XXXX. A Nissan agent ( XXXX ) confirmed my XXXX purchase on XX/XX/XXXX and said it would be corrected. After I disputed the charge, the XXXX confirmation and message history were removed from my Nissan portal. This is a wrongful debt, failure to credit payment, and potential record tampering. I demand correction, withdrawal from collections, and written confirmation of a {$0.00} balance.

I was told by XXXX XXXX Nissan a XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX that my credit would be run one time only. Instead, my credit was pulled more than eight times without my knowledge or consent. I clearly instructed the dealership to submit my application only to XXXXXXXX XXXX as I already had approval. That instruction was ignored, and my credit was shopped to multiple lenders. These unauthorized hard inquiries damaged my credit score. My Social Security information was shared without consent. I am requesting : Immediate removal of all unauthorized hard inquiries A written response from the dealership Confirmation that my personal data is no longer being shared

I dispute the accuracy, completeness, and legal enforceability of the charged-off tradeline being furnished under Nissan Motor Acceptance XXXX for account XXXX. I do not admit this alleged debt is mine and do not admit any obligation is valid. The disputed tradeline is reported as a charged-off auto loan with significant derogatory coding and an alleged past-due balance. This reporting must be supported by competent business records and field-level furnishing evidence ( XXXX XXXX XXXX. If NMAC can not verify the accuracy, proper identity match, and lawful authority for this account, it must be deleted or corrected. What happened/ Why Im complaining 1. My consumer file reflects two separate NMAC account footprints : 2. An older NMAC auto-loan tradeline ( opened XXXX, closed XXXX ) reported as paid/closed/never late ; and A separate, newer NMAC tradeline on XXXX for account XXXX opened XX/XX/XXXX reported as charged off and past due {$25000.00}.…

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CFPB Complaint To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding a fraudulent company that falsely represented itself as Infinity and unlawfully collected payment from me under false pretenses. This entity claimed ownership of an alleged debt, induced payment of the remaining balance, and later issued a fraudulent paid in full letter that has since been determined to be invalid and deceptive. After investigation, it was determined that this company was not the legitimate creditor and had no legal authority to collect or report the alleged debt. This conduct violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including 1681e ( b ), 1681i ( a ), 1681n, and 1681o ; the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), including 1692e, 1692f, and 1692g ; and the Consumer Financial Protection Act ( 12 U.S.C. 5531, 5536 ).…

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Back in XX/XX/XXXX I filed bankruptcy, and of course my car was included with that and they had to return my car, during this time while in active bankruptcy my trustee was making payments to XXXX on my behalf because they were included with the plan. While in a active bankruptcy they charged off my account I found this out in the process of me ended my bankruptcy XX/XX/XXXX, I was told today that they charged it off in XX/XX/XXXX which they werent supposed to do because of the automatic stay. I was notified by the bankruptcy department with. XXXX to contact XXXX in 30 days which then would be XXXX and they instructed me to continue to make payments like i was pre bankruptcy and as long as I did my car wouldnt be repossessed. Well i called in both in XXXX and XXXX and made payments a spoke with an agent and not once was i told I had to pay anything other than my monthly payment. Last night XX/XX/XXXX they repossessed my car said I was behind.…

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vehicle transaction and subsequent repossession involving XXXX XXXX XXXX ( XXXX, Maine ) and Nissan Motor Acceptance Corporation ( NMAC ). I believe I was subjected to dealer fraud, including bait-and-switch pricing, misrepresentation of trade-in value, execution of an invalid or unsigned contract, and a wrongful repossession involving a breach of the peace. * * Summary of Events : * * On or about XX/XX/XXXX, I visited XXXX XXXX XXXX in XXXX, Maine in response to an advertised vehicle offer. The vehicle displayed a sticker price of approximately XXXX XXXX {$27000.00} XXXX XXXX and I have photographs documenting this sticker price.…

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I have tried multiple times since I bought the car in XX/XX/year> to add a principal only payment on the XXXX website ( not the app ) and all I get is a notice that, " Your payment is in process. Edits/Cancellations are not possible for this payment schedule. Please visit our FAQ 's located in the Help section if you have any questions regarding our Payment Timeframes. '' Said payments are never processed. I am not using the phone app. I am not late on any payments. I do not have any past due amounts. I have met all the criteria for making a principal only payment, but the system will not accept it. They consistently have a notice that, " We are currently experiencing higher than normal call volume and you may experience longer than normal wait times if calling or chatting with customer service. '' I do not have time to spend on the phone waiting to speak with customer service. I would like the feature that is supposedly available to take a principal only payment to actually work.…

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On XX/XX/XXXX at approximately XXXX XXXX, I received a call on my work cell phone while I was working from XXXX XXXX XXXX XXXX regarding an alleged debt owed to Nissan Motor Acceptance Corporation ( NMAC ) The incoming call displayed my employer 's phone number ( XXXX XXXX ) on my caller ID, not XXXX XXXXXXXX XXXX number. This is caller ID spoofing in violation of FDCPA Section 1692e ( false or misleading representations ). The person on the phone attempted to verify my information, but I was confused considering it was my own workplace number calling my own work phone number. When I questioned why the call showed as coming from my employer, the representative stated they use an " autodialer '' and then proceeded to attempt debt collection. I did some research regarding the underlying debt : I returned my leased vehicle to Nissan Motor Acceptance Corporation ( NMAC ) on XX/XX/XXXX.…

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Here is copy of one of the letter I mailed on XX/XX/XXXX PLEASE NOTE : after sending this letter and filing a dispute on XXXX website ( they denied they were at fault in anyway, and it remains on my credit report to this day ) my attorney told me back in XXXX to not worry about it, and it wouldnt really matter because I have excellent credit but it bothers me. Its still showing up on my credit report and should not be there at all, especially after so many years have gone by. XXXX : XXXX XXXX XXXX XXXX. Box XXXX XXXX. Texas XXXX Re : Early Termination Nissan Lease Payoff Account Number To Whom It May Concern : I leased an XXXX from Nissan of XXXX XXXX that was returned in XXXX ( early termination ) as part of the condition for closing on my home. At the time, there were several phone calls made to Nissan to get the pay-off amount from my mortgage company, my attorney, and me.…

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Nissan XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nissan XXXX cashed my XXXX buy out check of frontier pickup XXXX XXXX have sent them all e- mail information they wanted from resurgent capital many times .i have been trying to buy truck since XXXX of XXXX, they have my money and all receipts of payment, please help get m title or money back

b'My account number with Nissan Motor Acceptance Corp. is XXXX. I have been dealing with them on a past due balance. I paid a total of $XXXX on it yesterday: XXXX online and XXXX on the phone. I had to argue with the rep and ask him twice if he was refusing to take my money to get him to take the $XXXX on the phone. He at first said the $XXXX I paid online the night before wasn\'t showing and that I was XXXX days past due. I then stated that I had paid the $XXXX online, and he then said he saw it and that I was XXXX days past due. I asked for a XXXX interest statement because I couldn\'t get it from the website--it only offers the current year--and he kept saying that it was still generating. I asked him what the balance would be once those two payments totaling $XXXX were applied and he said XXXX-something. (Another payment was due yesterday and that was supposed to include it.…

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