Consumer complaint received 2019-03-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

In XX/XX/XXXX my XXXX XXXX bankruptcy was converted to XXXX XXXX  and discharged.  Nissan Motor Acceptance Corp ( NMAC ) holds title and lien to my nearly paid off vehicle as the court was making payments to NMAC during the 3 year period prior while in XXXX XXXX reorganization. I was informed by my attorney at that time that I would have the option to either return the vehicle to NMAC and walk away free and clear or to pay the balance and keep the car. In XX/XX/XXXX, after waiting several months, I made a good faith attempt to contact NMAC to find out the status of my account, the payoff info and why I had not received any communication from them. I was told by customer service that they had not received any paperwork from the court as of yet. I specifically asked them to note the call to my account and asked that they call me when they got the paperwork so that we could proceed. 

The next thing I know, I am blind sided by a Notice of Default giving me 10 days to pay {$2900.00} amount they claim I owe ( in question ). I did not get this notice until XX/XX/XXXX as I was out of town during the holidays and tending to family business around my ailing fathers health and subsequent passing. The deadline on the notice was XX/XX/XXXX. I called immediately. It was apparent to me that they either did not review my account notes or there were no notes at all as they did not believe that I had called previously. 

Although I have made numerous requests for an accounting throughout this whole ordeal, my inquirys, concerns and even simple questions have only been met with deflection, threats, extreme intimidation and/or out and out ignored. The only response I have received at all is to Pay up or else! I felt so intimidated by their strong arm tactics I almost sent them a partial payment, but after a friends warning, decided not to without some kind of written assurance they won't take my car in the meantime. On one call they threatened to take my car the next day if I did not wire this partial payment to them by midnight. This was at XXXX XXXX the same day leaving me no time to get to bank let alone XXXX XXXX! I was told that, not only would they NOT give me anything in writing but they would not give me ANY assurances at all and they might just take my car anyway even if I did make the payment! My concerns over removal of the lien, how this would be reported on my credit and when I would get the pink slip have NEVER been addressed. 

I am a XXXX senior on a fixed income, and although I have no problem paying the fair balance that I owe, after the expense of my fathers passing, car repairs and travel during that time I just did not have the full amount they claim I owe. It is clear to me that my rights have been disregarded here as I have been lied too, threatened, abusively reprimanded by agents and have received no actioned response to the letters Ive sent attempting to resolve this situation. On one call the agent was quite literally yelling at me and finally hung up on me before she even knew what I was calling about! I wasnt able to get a word in edgewise. It would seem to me by timing, tactics and treatment that NMAC doesn't want the money, they just want to take my car ( worth more? )! I am quite sure NMAC would stack up deficiency, repo and other collection charges totaling more than I owe as well. It would surely ruin my credit for the next ten years at a time when I have struggled very hard to get back on my feet after a long expensive bankruptcy due to XXXX. Not only that but the In Default classification of my account has made it virtually impossible for me to refinance the very small balance remaining, even if I knew what that was. I have been given conflicting info about the amount as well. At this point NMAC has totally eroded any trust I had in them to deal with me fairly. We are now at a very disturbing stand still.