Consumer complaint received 2018-07-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

I receive Social Security income and worked a job. I obtained a loan with Nissan Motor and paid faithfully. I allowed Nissan Motor to automatically deducted the monthly payment from my checking account. Due to other collection agencies threatened me daily. I was advised to file a chapter XXXX Bankruptcy XX/XX/XXXX. There was NO Lapse in payments to Nissan Motor only a reduced payment from {$390.00} to {$310.00} throughout the Bankruptcy plan XX/XX/XXXX until XX/XX/XXXX. 
As of today, I was made aware of how this negatively affected my account. I understood my attorney to say that there were full payments made to Nissan Motors. This has become and issue because I suffered injuries in automobile accidents and income from part time job no longer applicable. The Chapter XXXX case was voluntarily dismissed effective XX/XX/XXXX. Currently, I await a monetary settlement from my injuries. 

I contacted Nissan on XX/XX/XXXX, to check the status of my account and resume monthly payments for the month of XX/XX/XXXX. Representative XXXX advised me and my authorized third party advocate that the account had been charged off XX/XX/XXXX. The rep advised us that there was no way to resume payments without paying {$23000.00} or surrender the car. Furthermore, XXXX advised us that the account was due for the months of XXXX, XXXX, XXXX, and XX/XX/XXXX. I explained that partial payments of {$310.00} via Bankruptcy Trustee had been paid to Nissan Motor for those months. XXXX stated she would have the account reviewed. If the account was current at the time that the Bankruptcy was filed. XXXX stated that I would be able to pay the past due payments current and resume {$390.00} thereafter. I was told to call back on Monday. It seemed we would clarify that the payments were paid to Nissan and there would a small balance to resume payments. 
My third party Advocate called back Monday XX/XX/XXXX and spoke to XXXX, XXXX, and finally XXXX direct line XXXX. XXXX stated that the payments for XXXX, XXXX, XXXX, XX/XX/XXXX were not showing paid. We asked XXXX to check with upper Management to see if I could get an extended period of time in which to verify the balance owed and arrange to pay once we understood billing. Meanwhile, it was established that we would verify with Bankruptcy Trustee office that the payments were paid to Nissan Motor. On XX/XX/XXXX, XXXX with Eastern District Bankruptcy Trustee Office confirmed that Nissan Motor had been issued payments for the months in question and the checks had cleared. We immediately contacted Nissan Motor and spoke to XXXX who advised that he would call back by the end of the day XX/XX/XXXX. My third party advocate called back at end of the day XX/XX/XXXX to find that XXXX had left for the day. There were no new notes made on the file, per XXXX. Again, my third party advocate requested that the 10 day deadline be extended due to the ongoing review and consumer dispute of outstanding balance owed. We asked for a copy of the pay history on the account. XXXX explained that it would take 48-72 hours to process the request and the document would be mailed out regular mail. 

XX/XX/XXXX, Nissan Motor was contacted and My Third party Advocate spoke to XXXX who advised that the {$2100.00} owed is from the difference from the partial payment paid by the Trustee from the beginning of the BK Filing. Even still the past due balance does NOT calculate to be {$2100.00}. Nissan rep 's did not accurately communicate where the outstanding balance came from. Also, the recent explanation is also in dispute and without disclosure of how Nissan arrive at this number. The Rep advised that there was no way to get around the 10 day rule or they would have to make exception for everyone. Third Party Advocate requested a supervisor and was transferred to a Ms XXXX. Ms XXXX was very abrupt and gave us through the end of the day XX/XX/XXXX by XXXX XXXX CST to have payment made or the entire balance would be due or Repossession of the vehicle would go out. Ms XXXX gave a 1/2 day extension. 

Ultimately, I am in dispute of the past due amount verbally quoted by Nissan Motor representatives and await a pay history.