Consumer complaint received 2024-03-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

This concerns unfair or deceptive acts or practices by Nissan of XXXX ( XXXX  ) during my first car buying experience on XXXX XXXX, XXXX. 

Here are the main issues, ( but not limited to these ) that I feel are unfair or deceptive acts or practices by Nissan of XXXX : XXXX. Since I paid XXXX XXXX cash down for a vehicle advertised at XXXX XXXX, the dealership had room to add in a number of vague services and fees ( {$5800.00} ) even though I declined them. This increased the price of the XXXX XXXX vehicle by 32 %. These fees were given vague names such as consumer services, dealer installed option, recondition and XXXX XXXX. * These terms are shown in sales paperwork in attachments below. So Nissan Motor Acceptance Corp ( NMAC ) effectively financed this vehicle for more than XXXX XXXX. Can they/should they finance a vehicle for more than 25 % of its value? 
XXXX. I was pressured to purchase a XXXX XXXX XXXX ( XXXX ) extend warranty ( for {$1300.00} ) in order to receive a lower finance interest rate. I believe this is coercive tied selling and may be illegal. I was told that I needed this XXXX  warranty even though I was being charged {$2900.00} for reconditioning and {$1900.00} for Nissan Certification. Nissan of XXXX is owned by XXXX XXXX XXXX. XXXX  XXXX XXXX ( XXXX ) is also owned by XXXX XXXX XXXX. So XXXX XXXX XXXX charged me a total of {$6200.00} to make this XXXX XXXX vehicle worthy enough to be financed through Nissan Motor Acceptance Corp ( NMAC ) at 7.89 %.

XXXX The paperwork on my purchase is incomplete and misleading. In the document that I do have, there is listed at least XXXX prices for the XXXX and XXXX different finance rates listed. I have no documentation which tells me what any of the above charges mean or benefits they purport to convey to me. 
XXXX. The salesman switched the talk from selling price, ( which at the time was {$17000.00} ) to talk of monthly payment as a means to help hide all the vague services and fees that were being added. 
XXXX. These issues are ongoing at your dealership. Used car manager XXXX XXXX, in a XXXX minute recorded phone conversation confirms that it is accepted and routine practice. He confirms that the XXXX warranty was needed for the lower interest rate. Therefore, in the future consumers who are less observant will also fall victim to these same deceptive practices. 
XXXX. It bear repeating, these are ongoing and routine deceptive practices at this dealership. Any XXXX buyer who doesnt have an attorney and countless hours to file complaints, will simply give up. I smell a class action lawsuit. Its too hard to fight. Also, its only {$80.00} more a month, right? A person of my generation throws away {$80.00} a month on coffee. That {$80.00} a month is {$5800.00} over the XXXX  month loan. Stolen from me.

I have tried via-email to resolve the issues with XXXX XXXX , General Manager and Manager XXXX XXXX since XXXX XXXX and have received little response. Also only deflection in a XXXX XXXX XXXX  complaint which is still in progress. Before that date I spoke on the phone and in person with other managers with no resolution.

This dealership gives Nissan a bad name.

Please note that my address when I bought this vehicle was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX