Consumer complaint received 2023-06-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ( XXXX ) XXXX XX/XX/2023 Consumer Financial Protection Bureau Subject : Request for Reconsideration of Closed Complaint and Additional Assistance XXXX Dear Consumer Financial Protection Bureau , I am writing to express my deep concern regarding the handling and closure of my previous complaint against Nissan Motor XXXX , which was filed with your organization. Despite the serious nature of the issues raised in my complaint, I am disappointed to learn that it has been closed without proper resolution or acknowledgement of the violations committed by Nissan Motor XXXX. 

My initial complaint, filed in XXXX this year, detailed the illegal repossession and towing of my vehicle by Nissan Motor XXXX, as well as the subsequent difficulties I faced in retrieving my personal belongings. I outlined the billing discrepancies, the contradictory statements received, and the lack of transparency and communication from Nissan Motor XXXX throughout the process. Moreover, I provided evidence of the ongoing unfair and deceptive practices outlined in the recent settlement between Nissan Motor Acceptance Corporation and your organization.

However, to my dismay, the response I received from your organization failed to address the outlined issues in my complaint adequately. The reply from the mediator assigned to my case did not provide any meaningful resolution or acknowledgment of the illegal actions taken by Nissan Motor XXXX. The subsequent closure of my complaint without proper investigation or satisfactory resolution is deeply concerning and undermines the purpose of the Consumer Financial Protection Bureau. 

I kindly request that you reconsider the closure of my complaint and assign it to a competent representative who can thoroughly investigate the matter and take appropriate action against Nissan Motor XXXX. The evidence I provided clearly demonstrates the unfair and deceptive practices, including illegal repossession, withholding of personal property, and the subsequent sale of my vehicle below fair market value, which all warrant further attention and enforcement. 

I urge the Consumer Financial Protection Bureau to fulfill its duty in protecting consumers from such unlawful actions and to hold Nissan Motor XXXX accountable for its violations. This includes addressing the discrepancies in billing statements, ensuring the return of any fees or charges unlawfully imposed, rectifying the negative impact on my credit report, and seeking appropriate compensation for the damages I have suffered. 

I look forward to your immediate attention to this matter and an assurance that my complaint will be reevaluated with the seriousness it deserves. As a consumer, I rely on the Consumer Financial Protection Bureau to protect my rights and interests, and I trust that your organization will take the necessary steps to rectify this situation. 

Thank you for your prompt action in this regard. Should you require any further information or documentation, please do not hesitate to contact me using the provided contact details. 

Yours sincerely, XXXX XXXX Since my original complaint was dismissed so unreasonably I am offering additional concerns so that this requests will not be considered so easily overlooked. 
Consumers feel powerless to seek justice when even the Bureau created just for this problem allows a Company lawyer to say a bunch of phony words and not address the real criminal acts. 

The Nissan XXXX XXXX is a criminal syndicate of organized crime that should be held accountable under the RICO act. 

There is clear evidence of Embezzlement and Fraud of the Gap and Warranty accounts. 
There is clear evidence of Extortion of consumers threatening life-long credit injury depriving them of rightful resources to live safely and comfortably and giving consumers name, address, social security number, and any personal information without permission to Thugs to call and harass them for money that is not owed. 
There is clear evidence of Theft of a vehicle and personal items of an individual. 
There is clearly documented evidence of Racketeering as this is a repeated behavior of consumer terrorism addressed and reported by this Bureau. 

The RICO statutes were specifically enacted to combat the pervasive influence of offenses and the systemic pattern of criminal conduct exhibited by this company, it is essential that the responsible individuals face the appropriate legal consequences for their participation in this illicit activity. Holding them criminally accountable under RICO will not only serve as a deterrent to future unlawful actions but also help to dismantle the criminal enterprise and safeguard the interests of the public. 

The previously imposed requirements either not adhered to or ineffective in the prevention of this incident understandably should be escalated to this requirement. 

The expectation is that Nissian Finance XXXX initiate discovery of the individuals causing the financial destruction of everyday consumers to preserve the integrity of the company. 
Any reply to this complaint should include those who are responsible for the success of the company and who's reputations are at risk if this behavior of consumer abuse continues. 
A unexplained denial of this claim as dismissal of evidence supporting crimes of this magnitude against the public, will be argued as additional repetitive criminal behavior further supporting racketeering activities. 

I should not have to take the time from my life to spend on being compensated from the loss I have suffered from these criminals. 
I also, should not have to spend the money on filing a lawsuit against them to try and recoup my losses and try not to suffer further injury from these criminals. 
I should not have to prove any more than I already have that these criminals are causing me financial and personal injury. 
I fear for my life as I pursue this, however, I will have no choice but to seek justice if we are not successful here because the injuries are ongoing and egregious. 
I will take this to a court of law, I will argue that remediation, already initiated by Nissan Financial XXXX, provided no meaningful advancement to any type of resolution. 
I will take this as far as it needs to go, so that consumers in the future can be protected from these acts of terrorism.