Consumer complaint received 2018-03-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
Purchased a Certified PreOwned 2018 XXXX XXXX from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on Monday, XX/XX/2018. During the negotiation process the Finance Manager " XXXX '' verbally relayed to me that my monthly installments would be {$450.00} for a 72 month term, after I verbally agreed to the price I was handed over to another individual ( I dont recall his name ) to do all of the necessary paperwork. During this process I was offered GAP insurance which I declined after being asked a couple times. Next I was offered a Paint and Interior protection for my car called " Xzilon '' which I also declined a couple of times, but the individual was very persistent in persuading me to get this ad-on. Finally after telling me that the " Xzillon '' add on would only be an extra {$3.00} a month bringing my installments to {$450.00} I verbally agreed to the add on. After finishing my paperwork, I was told that my car would not be ready the same day nor was I able to see the car. I was told the car would be available the next day XX/XX/XXXX around XXXX. I was given a loaner car but was not given my paperwork for my car I purchased. The next day on XX/XX/XXXX I picked up the car around XXXX and was given my paperwork in a sealed envelope. When I arrived home I opened up my contract and realized that I had been given false information about my initial loan installment.The actual monthly installment I was approved for through my bank was for {$430.00} a month w/. 3.19 % interest. I was never told by XXXX about the {$430.00} installment only the inflated + {$25.00} amount of {$450.00}. I feel this was an underhand sales tactic with the assumption that I would accept one of the add ons. Instead of the Xzilon being {$3.00} extra a month it was actually {$25.00} over the entire 72 months of the loan which I would have never agreed too. This added an extra {$1800.00} to my loan as opposed to {$210.00} ( $ 3 monthly ). I emailed and text the salesman the next day who referred me to the Finance Manager. On numerous attempts I called and emailed both the Finance Manager and the General Manager and either was told they were off or not available. Finally I received a call on Saturday XXXX, XXXX 5 days later and spoke with a gentleman by the name of XXXX XXXX. I explained the situation to him and he replied that " he would see what he could do, but the paperwork had already been submitted to my bank ''. I explained that I had been trying to reach someone since the XXXX but no one had replied. I called the bank that I was financed through to get some advice and they advised that I have the dealer to simply cancel the contract and resubmit the contract with the correct payment amount. I have not heard back from XXXX XXXX since our conversation. I have not had the Xzilon installed on my car as I was told this would be done at a later time.

Company response to consumer: Closed with explanation