Consumer complaint received 2016-02-10
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

On XXXX, we were sent an email from XXXX advertising their current promotional pricing and lease specials. In this email, there was an XXXX XXXX priced at {$43000.00} inclusive, with a lease deal of $ XXXX month with {$0.00} down. On XXXX, we were prequalified through our credit union to purchase with a qualifying credit score of XXXX. On XXXX, I purchased the XXXX and advised the sales staff that I did not want any optional addons, and requested the exact money factor for the lease deal from the finance manager XXXX XXXX. XXXX advised us that the money factor was XXXX. XXXX then stated to me that my credit score was lower than what they were looking for, he said it came in at XXXX, but that he would still push the deal through with XXXX, however he would have to add in some extra warranties to get the deal to qualify. I told him that I did not want any additional warranties and I was aware that those items are not required for financing. He stated he understood. I left to pick up my husband from work, and advised we would return to finalize the purchases ( separate complaint filed for the other vehicle ). XXXX required the sales rep to accompany me although I was driving in my own vehicle not related to the transactions. Upon our return, XXXX stated our paperwork was ready to be signed. Once in XXXX office, he told us our payment had to be increased as the lease promotion required {$3900.00} down so the price reflected the increased amount. He also advised that our taxes were rolled into the deal. Our contract had all of the charges in XXXX total, and as we were n't provided a copy to look at before signing as required by TILA, we were rushed through all of the documents. When he got to the service contracts, we questioned why they were included and XXXX stated that they were already added on to the car and were n't negotiable. He then told us the arbitration agreement was mandatory. After we signed all the documents, XXXX then requested our form of payment for the first month 's payment, after we had been told there would be no money down. We paid the first month payment because we did n't feel we had a choice, and we took possession of the vehicles. That evening we looked through our paperwork only to realize that not only were the service contracts not mandatory, necessary, nor included in the sales price, we also were n't provided with the entire agreement ( s ) so that we could cancel them. They were n't itemized on the purchase contract in boxes XXXX or XXXX as required, and XXXX had increased the price of the car. Our money factor was also increased significantly, almost doubling our monthly payment. I called XXXX the following morning to which he stated he would refund our first month 's payment, otherwise there was nothing he could do. We contacted our sales rep several times advising him of our frustration with XXXX deceit and he tried to help but was n't able to get it done. We were also pressured into completing the sales survey by giving exemplary ratings. We sent a demand letter to the GM demanding we be refunded for what we were overcharged. We were told the dealership had been sold and advised to call XXXX. As of XXXX, we have not heard from anyone, I called and spoke with XXXX XXXX of XXXX who stated she didnt know when they would address our concern and then hung up on me. We have proof of all advertisements and sent this information directly to XXXX.