Consumer complaint received 2022-09-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I will like to first inform CFPB I am the properly authorized consumer and I am submitting this dispute without any third parties, with the intent to not be discriminated against for exercising my rights and applying the federal laws put in place to protect me the consumer. 

This is in reference to ACCT NUMBER : XXXX I Consumer XXXX XXXX entered into a consumer credit transaction that included my open end credit plan with XXXX XXXX XXXX on XX/XX/22, XXXX XXXX XXXX failed to provide to me a statement containing material disclosures not the appropriate forms for me to exercise my right to rescind on XX/XX/22 nor by mail or notified my in any manner of their intentions to do so, this is an violation of 15 USC 1635 and because XXXX XXXX did not provide me the regulated disclosures making me aware of my rights I realized after looking over the motor vehicle retail installment sales contract that was provided to me there is a number of laws that was broken which makes XXXX XXXX XXXX not only CRIMINALLY LIABLE but also CIVILLY LIABLE I. 
When we was finalizing the consumer credit contract XX/XX/22 I asked the Finance Mgr at the dealership about including car insurance in my finance charge his exact words to me was THEY CANT DO THAT ITS NOT REQUIRED TO DO THAT IN TEXAS AND THAT THEY ARE ALREADY TAKING A LOSS BY SELLING ME THE CAR AT THAT PRICE THEY ARE NOT REALLY MAKING ANY MONEY I, then XXXX XXXX XXXX told me on XX/XX/22 which is the day i flew in to pick up the car that after running the number I will have to put down a down payment of {$15000.00} before I can take the car and drive back home which was something that was not shared with me ahead of time so I had to make arrangements with my bank to pick up a check the next morning and book a hotel to get the car on XX/XX/22 I stated I am not suppose to pay a cash down payment they replied in Texas you do I said oh okay I thought they were being honest and again I was not aware of Texas laws since I was a new resident of Texas but not only that I was stuck there with my daughter and no vehicle to drive back home like i planned to do. 
I contacted XXXX XXXX on XX/XX/22 at the dealership where the contract was entered into asking about my disclosures documents and why everything was not given to me on XX/XX/22 I was told that the additional forms will be mailed out to me I then asked about the finance charge and the down payment as well as the monthly payment they were scheduled to take out on XX/XX/22 I Stated that I have been lied to after doing my research and finding out I was lied to about everything I was forwarded to the finance dept and they were so rude that they actually threatened to file charges and reposes the car and that it will affect my credit if i don't make the payment. 
I AM AWARE that XXXX XXXX ( a ) - amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges the finance charge does not include a cash down payment ( XXXX XXXX knowingly and willingly lied violated my rights and committed fraud. 
I AM AWARE that 15 USC1605 ( a5 ) is allowed in Texas and that when i requested for insurance to be included in my finance they knowingly lied and committed fraud the law states Premium or other charge for any guarantee or insurance protecting the creditor shall be included if requested and I did, but XXXX made me purchase it separately before i could even drive off the lot I AM AWARE that pursuant to 15 USC 1692d ( 1 ). XXXX XXXX XXXX has taken cash payments in an CONSUMER credit transaction and has used Unfair practices to try to collect alleged debt charging interest and late fees violations pursuant to 15USC 1692f. 

I mailed XXXX XXXX XXXX my AFFIDAVIT OF RESCISSION EFFECTIVE IMMEDIATELY pursuant to12 CFR 1026.23 ( 2 ) to XXXX XXXX  XXXX XXXX, XXXX Tx XXXX which is the address on my sales contract on XX/XX/22 but i did not send it certified mail with return receipt and it was brought to my attention that if i decide to proceed legally or to file criminal charges for damages I endured that all my mailing need to be certified mail with return receipt so i mailed another one out to XX/XX/22 I also mailed my AFFIDAVIT OF NOTARY PRESENTMENT, INVOICE FOR MY DAMAGES SO FAR, AND EXHIBITS A, B, C, To XXXX XXXX XXXX I want you to understand clearly I am exercising my right to rescind effective immediately also this is not in error nor a mistake and i am not doing this out of malice you have violated a number of laws that holds you criminally and civilly liable this has caused mental stress, financial strain and I will exercise my rights to the fullest extent of the law. 

I AM AWARE that ( XXXX XXXX has used XXXX  XXXX for the purpose of fraud and are in violation pursuant to 15 USC 77q ( a3 )

Company response to consumer: Closed with explanation