Consumer complaint received 2019-02-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
On XX/XX/XXXX I came to XXXX XXXX XXXX dealership to buy out our car XXXX XXXX XXXX, which was on a lease for 3 years since XX/XX/XXXX. 

The lease was originated for my husband after I searched for and decided on leasing the XXXX XXXX XXXX. 

We had a cap on miles XXXX miles for the whole 36-month lease period. 

Current miles on odometer are XXXX. 

We would like to buy our car and received a buyout amount from NMAC. 

As I was told on the phone by NMAC, I came to the dealership to apply for financing. 

My goal was to prepare to find out how much it will cost the purchase the XXXX XXXX with taxes, insurance, title and ect. 

I wanted to do all I can in advance so my husband could come and sign prepared documents. 

He has very busy schedule at work and doesnt have time to spend hours and hours and hours at the dealership getting a run-around. 

ALL dealers and representatives attempted to sell me a new car, when each person was told that I simply wanted to buy the car we were leasing. 

Nissan dealership representative XXXX called my husband and took his permission to run his credit. 

After that XXXX got busy with the paperwork and submitted his info for approval. 

In about 49 minutes I was told that they got approval through XXXX and he will make all paperwork for my husband to sign. 

But we have to put down {$1000.00} and monthly payments would be around {$380.00}. 

I called my husband and he agreed to come and sign. 

We agreed that we will come on Friday, XX/XX/XXXX, or the first available day for my husband to get off work early on following week. 

I came once again on XXXX XXXX just to be sure that we are still on track. 

XXXX said he was leaving on vacation and XXXX will take care of us. 

I was introduced to XXXX and he sat down with me to go through the paperwork again and told me to come on XX/XX/XXXX with my husband. 

I said that we can come after 4 and we agreed that we would be there around 5 pm. When we came XXXX was not there but we were assured that somebody else will work on our paperwork and everything will be ready to sign shortly. 

After nearly 2 hours of waiting, we were informed that they have too many other people ( customers ), to prepare our paperwork will take 3 hours, and they dont have time for it because of other clients and the short time before closing. 

We were sent home and asked to come on Saturday, XXXX XXXX at XXXX XXXX when XXXX will be there. 

We came on XX/XX/XXXX, and after waiting for another hour XXXX told me that we have to put {$1600.00} down not, {$1000.00}, but it would be better anyway to buy a new car, and he called XXXX from XXXX XXXX New Car Dealership. 

We were sent to there to do the trade. We were told that they dont have results of my husband credit score and have to run it again. 

I spent the whole day at the dealership, from XXXX XXXX. until XXXX XXXX and at the end we were told that because of low credit scores and over-miliage on our lease they cant get approval for my husband to buy out our leased car. 

But what they CAN do is to approve me for a new car with {$700.00} a month payment and {$500.00} down. 

In that case my husband had to drop off our lease car and stuck with payments for over miliage and I will have a car to drive.

My credit score is only 2 points higher than my husbands.

The new car price was {$20000.00}.

And that wouldnt solve our lease problem because the leased car would had to be dropped at the dealership and my husband stuck with payments for over-miles. 

This treatment is beyond unethical. 

I dont understand why we are approved to buy a car for {$20000.00}, but my husband with stable high income, or I were NOT approved to purchase our lease car for {$11000.00}. 

I consider this run-around nothing more than a bait-and-switch fraud and massively unnecessary pressure to get your customers into financial disaster. 

The dealer was repeatedly telling me that its because of how many miles we have in our car. 

We want to finance the purchase of that car! 

We agree to pay monthly payments as we did for 3 years for that car with whatever miles it has. 

Are Nissan 's cars so fragile that XXXX miles renders the car wortless? 

We request Nissan Main office take a look at our situation and finance us for the car we want which is twice cheaper that the dealer wants to SELL, SELL, SELL to us. 

The dead line to purchase our car from the lease is XX/XX/XXXX. 

I refuse to be emotionally abused further and let more numerous Nissan Dealer Representatives take advantage of me and my family for any reason in the this situation.

Company response to consumer: Closed with explanation