Consumer complaint received 2016-06-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Nissan Motor Acceptance Corporation ( " NMAC '' ) incorrectly reported a 30-day late payment to Experian credit reporting agency for XX/XX/2015. This error of late payment is reflected on my credit report and has unjustly affected my " Fico Score XXXX '' credit score. Upon learning about this incorrect reporting, I spoke with XXXX NMAC Representatives ( XXXX and her supervisor XXXX ) on Thursday, XXXX XXXX, 2015. Both representatives referenced the account and insisted that the payment was received 30 days late. This is not correct. The payment was due XXXX XXXX, 2015 - the payment was received by NMAC on XXXX XXXX, 2015 as evidenced by the attached screenshot from my online account with them. ( If needed, I can also supply my bank statement record evidencing XXXX XXXX, 2015 as the date the amount was debited from my account. ) XXXX XXXX, 2015 was within 30 days of the due date of XXXX XXXX, 2015 but NMAC is reporting it as 30+ days late on my credit report -- this credit reporting practice is not in accordance with the Fair Credit Reporting Act ( FCRA ). Accordingly, I am requesting that the matter be corrected by NMAC immediately removing the disputed information from my credit report. 

In addition to the debit from my account having occurred on XXXX XXXX, I would also like it to be noted that a technical error by NMAC was the only reason the payment was made on XXXX XXXX instead of the original due date of XXXX XXXX. NMAC regularly has " technical difficulties '' with their phone and online payment systems. Ironically, I experienced technical difficulties when attempting to contact customer service in regard to this very dispute on XXXX XXXX, 2015 -- I tried to reach NMAC at least a dozen times on XXXX XXXX, 2015 via telephone and each time was placed on hold for a few moments before being informed of " technical difficulties '' and then being automatically disconnected -- I was not able to reach anyone at NMAC until the following day. 

The more important technical difficulty here, however, occurred on XXXX XXXX, 2015. When I made my lease payment on XXXX XXXX, 2015 I did so over the phone and thought it was taken care of. After making the payment I was not given any notice of error through the phone system, nor did I receive any calls, emails, or written correspondence in the days following it to alert me of this allegedly missed payment. It was not until XXXX XXXX, 2015 when I logged into my NMAC account online to make my XXXX, 2015 payment that I saw the XX/XX/XXXX phone payment had not been received. I immediately corrected the problem -- XXXX XXXX, 2015 was when the payment was made. I have evidenced this with the attached screen shot from NMAC 's own records. This payment on XXXX XXXX, 2015 was within the 30 day period of the XXXX XXXX, 2015 due date -- to report it as 30+ days late on my credit report is incorrect, unjust, and a bad business practice in violation of the Fair Credit Reporting Act. I respectfully request that you contact XXXX ( and any other credit agency to which you regularly report ) and correct it immediately and send me written correspondence confirming that said action has been taken.

Company response to consumer: Closed with explanation