Consumer complaint received 2023-01-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
n mid XXXX, I was contacted by Nissan to determine my intent for the vehicle at the end of my lease. Around the first week of XXXX, I contacted the number on my monthly statement as I made my decision to purchase the vehicle and reached out to Nissan to obtain the payoff information as well as the mailing address to send the check to. Subsequently, I mailed the payoff amount to the address I was given which happened to be the address on my statements. The check was drawn from XXXX XXXX XXXX XXXX in XXXX, Ohio on XX/XX/XXXX and received by Nissan on XX/XX/XXXX. After receiving confirmation that the check was priority shipped to Nissan, I thought this was a done deal. 

On XX/XX/XXXX, I just arrived back in town after a 3 week business trip and I received a letter from Nissan dated for XX/XX/XXXX that a payment hadn't been received in 62 days and that actions to repossess my vehicle had been taken. I immediately called the number on the letter. I talked to a woman who informed me that they received the check I sent and sent it back via regular mail. XXXX XXXX XXXX XXXX received the check back from Nissan on XX/XX/XXXX. It was not known to me that Ohio buyouts had to be done directly through the dealership. If it was, I wouldnt have sent Nissan the check in the first place. Nissan received the check on XX/XX/XXXX. The check sat on somebodys desk for 30 days. Nobody called me after receiving the check to let me know they were sending it back. After not receiving a payment for 62 days, I expected at least get 1 call from Nissan. I received nothing. Considering it took over a month to even figure out that Nissan didn't accept the check, the coincidental is ironic that the notice of repossession was dated 1 day after the check was sent back to my credit union. 

This couldve simply been resolved the day the check was received if the receiver of the check simply picked up the phone to call me or at least sent me an email. No notification was sent in regards to the check being an invalid form of payment.This is an extreme injustice to long-standing customer. After speaking to multiple members of the Nissan team, from an Executive Correspondent to a Senior Specialist at the Customer Experience team, nobody is able to give me a clear and concise explanation as to why nobody notified me after receiving my payoff check for over 30 days. One person said I was contacted but was unable to give the method of contact nor the date of contact. Whereas the other team member insisted that there is no process or deadline established after receiving a check that shouldnt have been sent to them. 

It has been reported to my credit as 60 days of missed payments. That is not accurate and as a result, the full payout amount has increased to {$20000.00}. I filed a dispute directly with the credit bureau and it was " resolved '' as of XX/XX/XXXX. The result being confirmed to the bureau as 2 missed payments and now reflecting the account as closed. The account should show closed as I have now completed the payout process but the 2 missed are inaccurate. Nissan did not do its due diligence to the consumer to handle my business in a timely manner but yet have overcharged me for the vehicle and reported to the credit bureaus inaccurate information.

Company response to consumer: Closed with explanation