Consumer complaint received 2023-01-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
When I first got the car I had to give the lender a down payment and I gave them {$1200.00} they told me the price of the car was going to be {$400.00} that I did not have to pay for XXXX I wound up paying for XXXX I had already given the young man when you brought the car to me XXXX XXXX 2021 {$800.00} when he gave me the car I gave him another {$400.00} he put it in the envelope and he left I gave him cash money it was not supposed to be a down payment of anything under the law of the United States 15 USC 1662b everything is supposed to be included into the car also including the insurance I have to pay insurance I have to pay car note my bill was almost {$1000.00} a month for that 2021 XXXX XXXX this thing has put me in debt the car company has been harassing me they keep trying to repossess the car they're telling me that I owe 4 months when I only owe actually a month my son gave me money he put two and a half months down on the car for what I owed and they called me today XX/XX/XXXX telling me I owe {$2000.00} and it has to be paid by Friday they're going to repossess the car this is harassment I have been harassed since I got that car and they have done some fraudulent things and I don't think it's fair I tried to make every payment I tried to keep insurance on the car when they were supposed to pay the insurance for the car and everything else that was supposed to be paid by the dealership and it's called truth and lending and they were not truthful they deceived me they mentally emotionally abused me and harass me with this car since I had it from the time I got the car at one point they claim that I didn't pay my insurance when I had insurance company called XXXX stated that I had something on my record where I had a suspension and I was stuff was never suspended they just harassed me in every kind of way between the EZ Pass tickets just regular tickets I feel like I was just picked every time I turn around it was something with this car I have not enjoyed that car since I had it and they have been harassing me because they know what they did they took the registration from my XXXX XXXX and put it onto my rogue when the Rogue should have had its own brand new registration and it did not and they also made me pay for XXXX when they said that I didn't have to pay for XXXX and I would like to get my money back because the things they did were horrible I have not really enjoyed that car since I had it I barely drove it I had to keep putting it in a car in the garage it was horrible and I would like my money back I didn't know that this car company was the way it was this was my second lease my first lease was fine but when I got a little bigger car it was like they just dogged me and did anything they wanted to me they really gave me a hard time and I could not enjoy that car I just could not enjoy that car if it was horrible and I would really like my money back I did the best I could to keep those payments up paid out insurance and I was harassed every which way you could think of when it came to that car

Company response to consumer: Closed with explanation