Consumer complaint received 2015-10-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

Nissan Finance reported to the credit bureau that I am 30-60 days delinquent despite acknowledging that they received my paperwork late ( XXXX XXXX ). On XXXX XXXX, 2015, I purchased a 2015 Nissan Rogue at XXXX Nissan in XXXX, NY. I agreed to finance the car from Nissan Motor Acceptance Corporation. Approximately one month later, in XX/XX/XXXX, I still had not received a statement with my account number, amount of payment, and due date. At the same time, I received a phone call from a finance manager at XXXX Nissan ( XXXX, NY, the dealership which sold me the car ), asking me to return to the dealership to sign a document pertaining to the warranty. I asked him if this unsigned document was the reason why I still had n't received a payment statement from Nissan Finance, to which he replied that this document had nothing to do with the hold up, and that the statement should come at some point in XXXX. I never returned to the dealership to sign the document. Even though I received several phone messages to return to sign the document, nobody mentioned that the document was holding up my paperwork from being sent to the finance department. On XXXX XXXX, I received a phone call from Nissan 's Collection Department at XXXX informing me that I missed my first payment on XXXX XXXX. I called and spoke to an operator and explained that I did not know that I had a payment due. She verified that the dealer never submitted my paperwork until XXXX XXXX. She told me that since they did n't receive my paperwork until XXXX XXXX, that she would note that it was n't my fault. She told me that a statement had just been mailed on XXXX, XXXX XXXX and I should be receiving it shortly. I waited another week, and when I still did n't receive a statement, I called the same number again ( XXXX ) on XXXX XXXX, to inform them that I still did not receive a statement. This time the operator asked to verify my mailing address and he discovered that XXXX XXXX number was incorrect : I live on XXXX XXXX, and they were mailing the statement to XXXX XXXX. Since my address was corrected, I expected to receive a statement shortly after that call. But exactly XXXX week later, I still did not receive my statement. This morning, XXXX XXXX, 2015, I called the ( XXXX ) number again and asked to speak with a supervisor to find out what the problem is. I spoke with XXXX XXXX. She told me that I 've had the car since XXXX and I now owe XXXX. She said that she would waive the late charge and that it would not be reported to the credit bureau. I explained that I never received a statement, and that I had made two efforts to call to receive a statement. Today, XXXX XXXX, not only have I still not received my statement, but they have reported me as delinquent 30-60 days on my credit report, even though they acknowledged that they never received my paperwork until XXXX XXXX in order to send me my statement. I also do not think it is fair that I am behind in my payments already ( owing XX/XX/XXXX, XX/XX/XXXX, and almost XX/XX/XXXX ) all at once, when clearly the dealership did not submit my paperwork right away.