Consumer complaint received 2023-06-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased the used vehicle model 2023 ( XXXX XXXX Used model of 2023 ) on XX/XX/2023 at XXXX XXXX XXXX dealership XXXX Texas. My drive out vehicle Price is {$12000.00} which dealership and i agreed upon. after Signing the contract with in 3 hours, when i was reviewing the paper work, I figured it out that there are three adds on added on top of drive out value that total becomes {$18000.00}, I immediately with in 3 hours of purchase sent an email to finance manager, finance director, and told them about this error but they did not responded to me then, I went in person to the XXXX XXXX XXXX dealership at XXXX Texas, on XX/XX/2023 for refund/cancellation processing request after purchasing of the used Vehicle ( XXXX XXXX  2023 Model with VIN XXXX ) After three hours of the wait time on XX/XX/2023 until the closing time of the dealership, Finance Director and General Sales manager told me that the first two protection coverages ( as Mentioned below ) customer can cancel by himself/herself and third protection product called XXXX XXXX XXXX or XXXX product which is for three years of protection that cost {$1800.00} is nonrefundable on my purchase of used Vehicle which I never informed that it is nonrefundable nor I wished to buy any of these protection services or any product on my used vehicle in this difficult economic times. I told to the salesperson before purchasing and during the negotiating the price of the vehicle that I am looking to buy the drive out value, which is {$12000.00}, but the finance team somehow managed to add {$18000.00}, which is beyond my capacity to pay this loan amount and my lender is Nissan Motors Corp and they loaned me on XXXX APR which is quite high based on my credit history and reputation. 

when I felt that the General Manager and his Finance team is not willing to respond to me to my repeated request and queries of reversing the adds on transactions, i reached to Nissan Motor Corp and reached to their Nissan consumer affairs section to resolve this issue or notify them about car dealership not willing to resolve additional adds on issue on top of drive out value. they have given me the case # XXXX, and they did talk to the car dealership and told me that the dealership finance director is trying to reach me on phone to offer something to resolve the issue ( the Finance team is offering to 2 oil change which i refused ). However, the Nissan consumer affair, told me that there is nothing much they can do since all the dealership is independently owned. 

Please see below the following warranties/products are requested for refunds and cancellation. the first two the vendor is saying it can take up to 4 5 days to cancel ( they don't tell why they take so long to cancel ). 

a- vehicle service contract- {$3600.00} XXXX XXXX XXXX -- - {$1200.00}. 
XXXX XXXX XXXX XXXX XXXX -- {$1800.00} ( it is a used vehicle and did not include in the purchased price. ) Now i have made multiple request to XXXX of the dealership about reversing the finance amount but he keeps saying that he is aware and not forgot the matter ( but in realty he did not take any concrete action ).

Company response to consumer: Closed with explanation