Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

Illegal practices and consumer reporting. Company uses third-party to harass you and terrible customer service! On XX/XX/2018, a stranger showed up at my home stating that he worked for a third party that handled Nissan accounts in Collections. He stated that he needed to connect me with Nissan to discuss my account. He refused to identify himself or the company he worked for and had documents with him that he would not let me see and would not allow me to contact Nissan myself. He called Nissan on his phone and I spoke with a rep who was rude and told me if my payments were made on time they would not have had to send anyone to my home. He stated that my payment was 45 days late and in collections and I told him that was false because I made a payment on XX/XX/2018 ( a few days late from my XX/XX/2018 due date ). He placed me on hold and came back about  5 minutes later and said they had sent me letters to my address and I explained that I never received those and that the payment I made in XX/XX/XXXX was for Principal & Interest and asked if that was what was causing my payment to appear late. He continued to talk over me. I asked if he could send me copies of the letters they supposedly sent and he refused. Finally, I was transferred to a supervisor who was much easier to communicate with. She confirmed that payments made to principal & interest don't reflect as a regular payment and was willing to reverse and post it as a regular payment so that the account could be caught up. I told her I only did it that way because I am upside down on the loan and want trying to refinance. Today XX/XX/18, I received alerts from XXXX indicating that Nissan has alerted them of my account being 30 days late. I was already planning to make a payment on XX/XX/18 for my XX/XX/XXXX payment ( due XX/XX/XXXX ) so I went to their website to set up the payment and decided to chat to ask about the inaccurate reporting. I chatted with a person named XXXX and explained my situation, advised that I would be paying the past due on today and he still would not assist me. Apparently, he could not see that while chatting with him I had set up the payment for XX/XX/XXXX to be drafted from my account. He asked me repeatedly if I would be taking care of the balance and each time I told him yes and copied and pasted confirmation of the payment made. After having him threaten to disconnect the chat twice, when I gave him confirmation of payment, he said he would forward my concerns to their Credit team and they would send me something in writing. This is unacceptable! First of all, the last time they " sent me something in writing '', I did not receive it. I was not provided with any resolution or real support to address my concerns. He was very rude and disrespectful to me and did not show any signs of empathy or even wanting to assist me. Nissan illegally reported inaccurate information that will hurt my credit rating and scores I am working hard to improve. I want this fixed and I do not want to be given the runaround to reach a resolution. When I try to contact them and get help they clearly show that they do not care and because your account is only a few days late they treat you poorly and make comments like " Well if you had paid your bill or if you pay on time ''. I live off of an income that allows me to pay my rent and bills when I get paid. I do not purposely pay late. I have never had to deal with anything like this, ever. I have worked in finance and customer service for years and never treated anyone to this standard. With today 's economy and the world that we live in you would think that they would try to put themselves in the consumers shoes and be a bit more understanding but unfortunately that's not the case. I hope that I can get out of this loan with Nissan and refinance my car with my credit union. I need them to fix my credit reporting immediately within less than 30 days. I need confirmation of the error sent to me in writing to my home address and to all three credit reporting agencies and also via e-mail to XXXX to ensure delivery.