Consumer complaint received 2019-06-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX, I was contacted by a salesman by the name of XXXX, who had previously notified me by phone call. I informed XXXX on the previous phone call I was not comfortable trying to purchase a new vehicle as it had only been one year since my last purchase. On the phone call that took place on XX/XX/XXXX, I informed XXXX that I strongly did not feel comfortable purchasing a new vehicle because my credit had suffered since my last purchase and that I also did not have any money to put down. XXXX was extremely aggressive and assure of himself. He was very overbearing and continued to insist he could get a deal done. I drove down to the dealership and was shown only one vehicle as was allowed to only test drive one vehicle in which I later discovered was one of the most expensive vehicles in the lot. It was an all wheel drive model that offered lower gas efficiency than the vehicle I was currently in at that time. I drive for XXXX and XXXX so this is a big issue for me and XXXX knew that I used my vehicle for that purpose. So there was no attempt to sell me a vehicle that met my needs. Once in the sales office XXXX informed me that I needed a down payment to get into a new vehicle and again I informed him that I had no money to put down on a new vehicle. I told him the only thing I had was my 2007 XXXX XXXX and he said that would be fine. I was also coached by XXXX on how much income to state in order to gain approval as according to the general manager I later spoke with no proof of income was needed. By this point, I had been at the dealership for a long time and sitting which greatly increases the level of pain in my back from a previous motorcycle accident. At this point, XXXX brought me a bottle of water and I took an XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. After some time, XXXX came back and said he got the deal done with the trade in of my 2017 XXXX XXXX XXXX ( I owed {$26000.00} and it was to be paid off ) and my paid off 2007 XXXX XXXX with no money down. Not long after XXXX approached me and stated they wanted me to sign a different contract that I would like because it offered me a lower APR and a lower monthly payment. I was not told that a {$490.00} UVP would be added and that my extended service contract for the same car would increase from {$1100.00} to {$1800.00} for the same vehicle. Although my APR went from 8.90 % to 6.90 % and my monthly payment went from {$830.00} to {$820.00} the total amount financed went from {$40000.00} to {$41000.00}. 

By the time of the second contract, I was extremely tired and a little loopy from my medication so I did not notice the changes and other issues with the second contract, such as under number 7a., there is no credit listed for my trade-in sales tax credit which should have shown # XXXX. Additionally, the second contract was done in the form of an e-contract instead of the standard long form. I had never seen an e-contract before and the format is very different. 

I first contacted my salesman XXXX on XX/XX/XXXX about concerns with the car. He responded once by phone but stopped responding after. As a result, that evening I drove to XXXX XXXX and I met with a manager by the name of XXXX, who was involved in the sale, about the same concerns. There was no attempt to offer a suitable resolution. 

On XX/XX/XXXX, I met with a gentleman with whom identified himself as a some form of manager and no longer works there that produced no suitable resolution. 

On XX/XX/XXXX, I contacted Nissan Motor Acceptance Corporation by telephone to discuss the issue and it was stated to me, by not only the customer service representative I originally talked to but after requesting to speak to a manager him as well, that I needed to resolve the issue with XXXX XXXX although NMAC was the lender who approved the loan based on the fraudulent and misrepresented financial information provided by XXXX XXXX. 

On XX/XX/XXXX at XXXX, I sent an e-mail to General Manager XXXX XXXX that resulted in being contacted by XXXX XXXX to come in and meet with Mr. XXXX to discuss my concerns. That meeting occurred on XX/XX/XXXX and ended with him throwing a tantrum and storming out of his office. Then a gentleman by the name of XXXX walked in and introduced himself as the Sales Manager. He provided me with his number and informed me to contact him if I had any concerns. 

I contacted him on XX/XX/XXXX about the discrepancies in the two contracts, in which I still have both copies. He basically down played them, although stating it was illegal for me to be allowed to keep copies of both contracts I signed and that the first contract should have been returned before I signed the second contract. I then contacted both the General and Sales Manager by e-mail on Friday, XX/XX/XXXX at XXXX to inform both the contract was intentionally and deliberately inputted with fraudulent financial information. This is shown in the form of a down payment placed into 7b. of the contract in the amount of {$550.00} cash down payment. I never provided XXXX XXXX with any down payment whether cash or any other monetary form. It is my belief that XXXX XXXX placed this fraudulent amount of a cash down payment into the contract to gain contract and loan approval. At no point in time did any representative discuss a {$550.00} down payment with me nor did I ever provide anyone at XXXX XXXX with a down payment of any kind. I made it very clear to XXXX on several occasions that I could not provide any money down because I didn't have it. 

So during this entire ordeal, I felt extremely pressured with strong hand tactics by XXXX XXXX to purchase a vehicle I could not afford nor had money to put down or credit worthy enough for such a large purchase. XXXX XXXX was so aggressive in the sale of the vehicle that they deliberately misrepresented financial information onto the contract to gain contract and loan approval. Additionally, it should be illegal for a car dealership to approve a contract based on information from a previous purchase ( in my case two years previous ) without verifying an applicants sources of income because peoples ' income and credit changes over time so the income and credit present during the last purchase of a vehicle might not be the same currently, in which both my credit and income had changed greatly. 

The contact for XXXX XXXX is as follows in case it is needed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation