Consumer complaint received 2018-05-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
My husband and I went into XXXX XXXX, XXXX to purchase a used XXXX XXXX XXXX XXXX, VIN # XXXX on XX/XX/XXXX. We went to the dealer after work with a 13 month old that usually goes to bed at XXXX. I am currently XXXX and we have a college student we needed to pick up that weekend from XXXX for the summer. We need a full size SUV to accommodate our growing family. 

We came in Prequalified through XXXX XXXX XXXX up to XXXX. We had the preapproval letter with us. We told the dealer we wanted to purchase the vehicle ONLY with XXXX XXXX XXXX as we have another vehicle financed with them and it was a seamless process. The finance manager told us XXXX XXXX would not approve us for the XXXX. The Nissan Finance Manager told us he could do nothing with our credit scores of XXXX and XXXX. The dealer told us we were only approved for XXXX and could put us in a new XXXX XXXX!!! We came for a full size SUV for our growing family not to mention my husband is XXXX. Insults! The Nissan Finance Manager told us XXXX XXXX would not approve that vehicle and sent us out the door. 

The next morning XX/XX/XXXX I called XXXX XXXX Finance only to find out The Nissan Finance Manager NEVER ran our application through XXXX XXXX at all. XXXX XXXX advised that we are approved at the terms stated above. I spoke with XXXX XXXX, Nissan Finance Manager immediately after the call to XXXX  XXXX. XXXX XXXX ran our credit through XXXX XXXX XXXX and he confirmed we are approved and can finish the deal now ... Nissan Finance discriminated against me and my husband. The Nissan Finance Manager looked at our XXXX XXXX and our credit and made a judgement. He denied us without filing our application at all to the lender we came in prequalified through. He lied to us. The Nissan Finance Manager obviously had some kickback by using Nissan Motor Credit to finance the vehicle as that is the ONLY finance company he ran our credit through that evening. We left that evening so embarrassed and discouraged we failed to get the name of the finance manager. 

XXXX/XXXX XXXX offered nothing to make the situation right, not even a small decrease in price. We contacted Nissan Corporate via email on XX/XX/XXXX. XXXX, Executive Specialist, XXXX called me XX/XX/XXXX and offered to give us an incentive to finish the deal. After a few days went by we were again insulted by Nissan Corporate offering to give us the Employee Discount that could only be used in 45 days and by certain lenders. I asked, what is the amount? She told me anywhere from $ XXXX depending on the dealership and vehicle and other factors What does that mean? This is not a resolution, its a range of nonsense. Nissan Finance company behaved unethically by lying to us and denying us credit when we were qualified. 

My husband and I work hard every day. Ive been on my job 9 years, I am a XXXX  XXXX for XXXX & XXXX, XXXX, my husband has been on his job 4 years, he is a XXXX XXXX XXXX for XXXX XXXX. His prior employment was 8 years. We own our home and we own 2 vehicles, one financed by XXXX XXXX and the other by XXXX XXXX XXXX. We have a toddler and a college student. We have a XXXX XXXX XXXX XXXX. We will be buying a full size SUV using XXXX XXXX XXXX no matter what. 

This unethical lending practice should not be tolerated and we are seeking monetary damages.

Company response to consumer: Closed with explanation