Consumer complaint received 2022-03-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/2022 I went to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ) for a rental. The lease on my current XXXX has come to an end so while there I tried to shop for another lease. The salesperson ( XXXX XXXX & XXXX XXXX ) I spoke with lied on multiple accounts. I told XXXX my budget and he wrote down all my information, since he was a used car salesmen he passed the job off to XXXX. My current lease is a XXXX XXXX at XXXX $ a month. I made it very clear I couldn't afford anything more than XXXX $ and would like to lease another XXXX. Both XXXX and XXXX said I could use the equity of my current lease to cover the down payment. Both had wrote this number down and all this information on a piece of paper for notes. They stated they had no XXXX, and offered me a XXXX XXXX  at the SAME PRICE/DEAL. I confirmed that they meant less than or equal to XXXX XXXX and they said yes, the same exact deal and price but I could get an XXXX instead which is better than the XXXX. We agreed to these terms, and they began showing me some XXXX. After looking at the cars, and choosing 2 different XXXX  I would like, they had me fill out an application to send to the finance department to see which XXXX  I would have financed ( the 2 were slightly different ). He didn't state this application would include a hard inquiry on my credit report, and when he returned he provided me with no paperwork. After taking the paper application the salesperson ( XXXX ) came back and asked me what price I would like to pay monthly, as if we hadn't just spent 2-3 hours discussing XXXX $ and how I couldn't afford more than that price ( this was stated by me dozens of times throughout our 2 hour long sales deal ), and as though he didn't already 100 % state I could get an XXXX for the same deal. Both XXXX XXXX XXXX confirmed this deal, this price, this car. But after stepping away and coming back XXXX acted as if the past 2 hours of conversation didn't happen, I actually had to ask him directly if he thought I had memory loss that's how ridiculous it was. He stepped away again and came back and said he could only give me the car for XXXX $ a month, twice XXXX $ which both him and XXXX confirmed would be the payment price. I was truly shocked, because we had just spent hours going over the price and deal. I told him there was no way I could pay such an amount, something he already knew and we had went over dozens of times. He pretended as if we never made that deal, and after I asked over and over he confirmed there was no such deal to get an XXXX  at XXXX XXXX even though just an hour ago he ( XXXX XXXX and XXXX offered me that deal for that price. Frustrated I told them not to run my credit and that this deal was over. XXXX went to the financial office and then came back and assured me that my credit hadn't been run, his exact words were " they didn't run your credit. '' I asked again, " are you sure they didn't run it? '' He said, " yes they already shredded your application you have nothing to worry about. '' With this I thought I could peacefully go home. On the way home XXXX  alerted me that my credit had been run. I immediately returned to the dealership and confronted XXXX. He came out and I asked him why he lied to me. He said, " I didn't they haven't run your credit. '' I said asked if he thought I was stupid and showed him the XXXX  alert. He then lied AGAIN and tried to say no no they didn't run it. After admitting they did run it, he tried to say it was a soft inquiry yet another lie. I insisted on speaking to the manager, he stated, " the manager isn't here come back tomorrow ( another lie ). '' They ran my credit but hadn't even submitted the application the the finance department, the opposite of what he said. After eventually giving up on that lie he went to the back and brought the manager ( which he had just said isn't here ) as well as my credit score check, proving he had been lying on both accounts. I told them they need to dispute this report I didn't agree or approve these terms or conditions, and their only response was, " well you signed the paper. '' The manager was immediately being rude waving the paper around like a child saying, " you singed it, '' this was quite rude paper I had signed under false pretenses and an agreement on XXXX $ a month, this deal was a fraudulent misrepresentation. The manager ( XXXX XXXX ) immediately was very rude with an attitude being XXXX  towards me most likely since I'm a women. After stating, " are you treating me like this because I'm a women, '' then he began to be slightly less rude. He repeatedly stated, " you signed the paper. '' He said he would not dispute the inquiry, and to do it myself through XXXX. A piece of information he knew that I did not until calling XXXX  is that hard inquiries can not be removed from XXXX XXXX  side. He knew I wouldn't be able to dispute it that way, he was just doing everything in his power to get rid of me. I was lied to on multiple multiple accounts, and agreed to signing a paper with a specified deal/price that TWO employees confirmed they could give me ( XXXX and XXXX ) XXXX Two different employees had clearly stated the price, terms, and conditions. After having me sign the application, without stating they would run my credit, came back and completely changed the deal and even stated no such deal exists. This whole ordeal happened over several hours, and I am a cautious person so I repeatedly asked to confirm the terms dozens of times. I was essentially tricked by them to my loss and a hit on my credit report, to what end or gain for them I don't understand. I am now filing this report in hope of reparation and fair treatment, to get this inquiry I never approved removed. An inquiry that occurred from a piece of paper I signed under fraudulent advertising and a fake deal. An inquiry that the employee XXXX stated and confirmed multiple times didn't happen which was all lies.

Company response to consumer: Closed with explanation