Consumer complaint received 2019-09-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
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

Company response to consumer: Closed with explanation