Consumer complaint received 2018-06-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX XXXX over-charged [ MY LOAN ] by around {$7500.00} [ WHO KNOWS?!? ] on a XXXX XXXX XXXX I purchased on XX/XX/XXXX. I was charged for 2 EXTRA warranties I declined, and Gap Insurance I declined. Plus, the price is still way off without those over-charges. I have all the paperwork to prove my case. What we agreed to [ XXXX XXXX XXXX 's WRITTEN Quote ] isn't close to what they ended up charging me. I returned to XXXX XXXX on XX/XX/XXXX to get things corrected and was told the warranties/insurance stuff would be refunded. But, XXXX XXXX XXXX would not refund the mysterious OVER-CHARGES on my loan, and has not refunded any of the EXTRA CHARGES. 

That was 9-weeks ago and the Bank [ XXXX XXXX ] hasn't received any of the REFUND PAPERWORK from XXXX. XXXX as of today XX/XX/XXXX. XXXX  That means ... I'm paying for over {$7000.00} worth of fraudulent charges [ including extra interest ].

I talked to The XXXX XXXX FINANCE GUY [ who added all these FALLACIOUS charges ] on ( XX/XX/XXXX the next morning ) and signed 3 CANCELLATION/REFUND agreements. The finance guy was MAD as HECK ... because, I was asking for REFUNDS on everything he duped me on. He started a fight AND, said [ Quote ] : " Sometimes dealerships don't turn these cancellations in ...! '' I knew he wasn't going to give me my refunds and it has been 9-weeks since I cancelled everything, and I still am paying for a BUNCH OF STUFF I  DIDN'T ASK FOR & DID NOT KNOW ABOUT and interest on all the over-charges. 

I want XXXX XXXX  XXXX to HONOR the agreement ( I've attached a copy ) they made with me. On XX/XX/XXXX I test-drove the XXXX XXXX XXXX at XXXX XXXX and could come to an agreement on price, so I went home. The XXXX XXXX salesman [ XXXX ] called me at home, after I had left the dealership, and asked what I needed to make the deal happen. I told him {$2500.00} for my trade-in and after all specials [ Preferred Customer - {$2700.00} and - {$2200.00} for using Nissan Financing ] the XXXX Rogue for {$22000.00} + {$1500.00} [ options ] = {$23000.00} + TTL and we have a deal. 

That's exactly what I have on my quote, but no where near the numbers that ended up on my final bill. Here 's what I should owe : {$23000.00} + {$1700.00} est. ( TTL ) - {$2500.00} ( trade-in ) - {$2000.00} ( cash-down ) = {$20000.00} financed. XXXX XXXX says I owe over {$27000.00} and I've made a couple payments already and will need to make a another soon ... so, my loan is getting all messed up. I was told my payment would be under {$350.00}, but because of this I'm paying {$470.00} per month. 

XXXX XXXX XXXX would not talk to me or try fix the problem. Thus, I have been talking to a lawyer and have filed complaints with the TX Attorney General, TX Secretary of State, XXXX XXXX XXXX, TX DMV, and have started a Petition For Small Claims Court. I have spent many hours trying to get my money back, and have had lots of SLEEPLESS NIGHTS worrying that I'll end up losing THOUSANDS & THOUSANDS of $ to XXXX XXXX XXXX. 

I want all over-charges refunded and all interest on the over-charges refunded. Also, I'll need all my legal fees paid by XXXX XXXXXXXX.

Company response to consumer: Closed with explanation