Consumer complaint received 2020-07-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX XXXX XXXX. 
Ive been dealing with issue with Nissan Acceptance Corp since XXXX XXXX. 
I purchased my mother a car and it was in my name. But insurance was under her. On XXXX XXXX, XXXX she was involved in a 1 car accident. XXXX XXXX called it a total loss. On XXXX XXXX, XXXX XXXX XXXX sent Nissan a check for {$14000.00}. On XXXX XXXX, XXXX Nissan Acceptance cashed Insurance check ( have canceled check ). From then to late XXXX. XXXX XXXX could not start their process till receiving info packet from Nissan. I am not sure what they delay between cashing check and getting info to safe gap was due to. On XX/XX/XXXX XXXX XXXX sent a check to Nissan for {$5000.00}. On XX/XX/XXXX Nissan Acceptance Corp. cashed check ( have canceled check ). Since Late XXXX. I had been in contact with Nissan to find out what was the hold up to proceed to XXXX XXXX. Never could get answer. So, from XXXX till XX/XX/XXXX I received no less than XXXX calls looking for payments. I stopped paying in XXXX due to knowing they had cashed check from XXXX XXXX and was not giving me any information on why they were not getting info to safe gap. Well in Late XXXX. Safe Gap must have received the info packet to go forward with their portion of the payout. I kept receiving calls from Nissan Associates demanding I pay the remainder of the balance. All the while they had received and cashed XXXX XXXX check on XX/XX/XXXX. Every time they called, I tried to explain that check had been sent and cashed on XX/XX/XXXX. None of the Nissan employees would hear or listen to a word I had to say. Most of the time the person was very rude and demanding. Well finally on XX/XX/XXXX I get call and lady transfers me to total loss division of Nissan. I speak with Mrs. XXXX XXXX and explain to her that XXXX XXXX had sent check to XXXX and it had been cashed. So, she decided we would call XXXX XXXX to verify dates. Then we called XXXX XXXX and verified those dates. It wasnt till we later in the call that I told Mrs. XXXX about the handwritten # XXXX on each canceled check. She figured out what had happened. Who ever handled the XXXX XXXX check had put it into the wrong account. So, Mrs. XXXX started working on getting that matter straight. I spoke with her about Nissan restoring my credit rating. She spoke with her supervisor and they agreed. Ive been in contact with Mrs. XXXX once week to check to see what was going on. My Nissan account has been paid off, but they have not done anything to restore my credit. As of toady XXXX, XXXX when we spoke. They noted that account was paid off delinquent and that they could not do anything to restore my credit. Even though they could never explain to me what took from XXXX when they cashed the initial insurance check from XXXX XXXX to Late XXXX when Safe Gap could start to process my claim. Then cashing Safe Gap check on XX/XX/XXXX. But putting funds in the wrong account. All the while I was trying to get employee to hear what I had to say. I even made 3 separate trips to XXXX XXXX Nissan where car was purchased from to try and speak with someone in person. But I was never able to speak with anyone. They left me sitting in their lobby for nearly hour each time. Im honest hard-working person who does not have all the time in the world to deal with matters like this. I honestly had a gut feeling that once they received their money that they would not for fill their end of this matter. I have been the one dealing with my credit score going to trash due to Nissan. This whole matter should have been over in Late XXXX XXXX. But instead Im still having to deal with this currently. Any information would be greatly appreciated. 
Thanks Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation