Consumer complaint received 2023-03-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Received an email from Nissan of XXXX in XX/XX/XXXX that offers up to {$30000.00} value for my car in trade in ( I have a XXXX Nissan XXXX with XXXX miles ONLY who i purchased directly from them around XXXX XXXX ) went to the dealership on XX/XX/XXXX and after negotiations we agreed on purchasing VIN # XXXX for {$31000.00} while offering me {$30000.00} for my trade and i obtained a company letter that documents all the details. 
i was going to do my own analysis at home and see sales person and the manager who agreed on the terms in few days since i had doctor appointments to attend to in the following couple days so i told them i will come in few days to complete the deal and take delivery of my new car. Also, we discussed that i am only interested in the 0 % for 36 months finance offer for qualified people since i maintain an exceptional credit rating ( XXXX of XXXX ) through Nissan NMAC and i got a {$500.00} Cash loyalty offer that Nissan sent me with a unique code. 
i arrived on XX/XX/XXXX where the original Sales person and sales manager were on vacation so i had to speak to a new sales person and sales manager who tried their shady sell tactics so i told them that i have everything worked out with the previous sales team and all what they need is to pull the old paper work so we can finalize and take delivery. 
they printed all the original paper work and they had me sign it including a consent to check my credit and all the old numbers which i agreed on with the previous team. i had a freeze on my credit with XXXX  who i did not feel comfortable to remove till we agreed and sign the paperwork which i did unfreeze to allow them to see my exceptional credit worthiness. 
till this point everything was running smoothly ( i assume they were hoping my credit will turn bad so they can change the terms ) after they ran my credit and put 2 inquiries which i asked them to run it only with Nissan and not the local dealership since i am only interested in the Nissan 0 % they did run it twice which it will reduce my credit score and stay on my report for 2 years they came back to tell me that they could not combined 2 loyalty offers which are the {$500.00} loyalty cash coupon from Nissan and the 0 % which is a big fat lie since the {$500.00} is a loyalty cash and the 0 % that is not a loyalty offer and i earned it myself having a super credit rating and even if it was the loyalty offer ( attached ) mention the following ( May be combined with regional Nissan and NMAC incentives to maximize your savings toward the lease or purchase of a new XXXX or XXXX Nissan from XXXX XXXX when financed through NMAC!!!

when i tried to tell them about this they came back and change the trade in value for my car back to {$27000.00}.

all this was done by a shady sales manager named XXXX i think he's from XXXX and while this maybe a standard thing in XXXX we live in the USA and i have confidence that CFPB will take actions to protect me as an honest hard working consumer. i am seeking justice since now i ended up without my new car and 2 dings on my credit reports for 2 inquiries and lost time and effort i spent.

Company response to consumer: Closed with explanation