Consumer complaint received 2022-06-09
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:
My Oldest Sister ( XXXX XXXX XXXX called and asked if I could cosign for her and her daughter ( XXXX XXXX ) a car.I explained to her that I was more than sure that I would be declined because of my income because of the debt to credit ratio. her constant pleading. made me feel bad. so I agreed to allow them to Check my credit. but once again explained to her and the gentleman at XXXX XXXX to whom I gave my SSN #, that my income had drastically dropped due to my now being on XXXX. 
He assured me that they were only going to check and let me know. 
2 weeks later I received an email concerning a vehicle that I had purchased. 
I immediately call XXXX XXXX & asked to speak to the manager. I was then transferred to whom I believe was the financial department manager. Unfortunately I do not remember his name. I explained the situation to the person over the phone and I admitted that I had provided my social security number to run a check only! but I did not sign for the vehicle. I expressed to him that what this company has done was dishonest and at this point the gentleman hung up on me. I reached out to XXXX financial center and explained the situation to them. I was told that there was nothing that could be done. I did ask for a copy of the contract. When I received the contract I was completely shocked to see that I was the buyer of the vehicle not the CO signer. However it did show my sister as the CO signer. Which confused me because my sister had no credit to qualify for other vehicles in the 1st place so how does she qualify to be my CO signer? Please know that when this contract was signed I was not in the state of Oklahoma I live in XXXX Texas. And I'm a little confused because I think that it is proper protocol not to give the keys to a newly purchased vehicle to the CO signer instead of the buyer? XXXX XXXX Participated in allowing someone else to get a car under my name and using my social security number. After reading a complaint 's posted on XXXX  concerning or XXXXd an XXXXXXXX XXXX it is very clear that this is a business that does not have honor they do not have the interests of their customers and they do not act with integrity and honesty in their business practices it's all about the money with them regardless of the consequences that their customers may have to face because of their Unethical practices. My niece XXXX XXXX has Possession of the vehicle, she is late with her payments, now XXXX financial is Harassing me. I want this vehicle removed from my name and off my credit report I want them to admit and apologize and a full explanation to how my credit check end up in me and then handed over a vehicle to another person I would also like for them to explain if it's proper protocol to hand over the keys to a new vehicle to someone other than a purchaser without authorization in reading their own agreement it States that the dealer and financial institution verify employment pay XXXX and debts This information is necessary to appropriately evaluate your application my income was never verified the debt to credit ratio was never determined.

Company response to consumer: Closed with explanation