Consumer complaint received 2021-07-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
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.

Company response to consumer: Closed with explanation