Consumer complaint received 2016-05-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

In XXXX, I purchased a new XXXX car and financed it through Nissan Motor Acceptance Corporation. I was planning to pay cash for the car, but chose to use the financing only because they were offering 0 % interest. I set up auto-billing for the payments tied in with my checking account and bill pay service. Starting in XXXX XXXX, I started experiencing problems with their e-bill feature tied in with my bank. As a result, I was never billed for a payment due in XXXX XXXX. In XXXX, I received a collections call from XXXX that my XXXX payment had not been received. I contacted my bank immediately to find out why. My bank confirmed XXXX had not sent the XXXX. To avoid future problems, I set up a new recurring billing directly through the XXXX website. I made a XXXX time payment on XXXX XXXX to bring the account current and attempted setting up a new recurring monthly auto-payment. In XXXX and XXXX XXXX, the payments were not drafted from my account. No written notification was sent indicating any problem ( email or paper ). No one contacted me by phone again until XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I received a call from a collections agent on behalf of XXXX informing me I was 60 days past due. The agent could offer no explanation why the auto-draft had not worked. I told him I would pay it online immediately. That same day, through the XXXX website, I paid off the entire balance of the loan to avoid any future issues. On XXXX XXXX, I pulled my annual credit reports and found that XXXX had filed my loan as 60 days late with all XXXX agencies. I contact XXXX on XXXX XXXX XXXX and asked that they correct the credit reporting since I made every effort to pay as soon as I was contacted and since the issue was with their auto-pay. The consumer relations representative told me that XXXX had called me every day during XXXX and XXXX and left me messages. I know that this can not be true. I explained to her that I received only XXXX call from them. That was in XXXX XXXX and there is no way I could possibly have been called every day for 2 months. My only phone is my cell phone ( XXXX XXXX XXXX ) and I have it with me all the time. She said the problem is clearly my fault. At that point it became clear she did not intend to offer any solutions, so I ended the conversation indicating I intended to file this complaint. I have never had a late payment on my credit report. With any other financial institution, if there is any type of payment problem, they start sending automated emails and/or text messages one day after a due date. XXXX never sent me any email, text message or paper mail notice that there was any issue with the payments. I am not sure how to provide documentation of the fact that their phone call attempts did not reach my phone but will gladly cooperate in any way I can to provide that evidence if it is possible. They claim to have left me voicemail messages. If so, they should be able to provide recordings of those messages they left from their own quality recording system. I do have an email exchange from my own Bank to show when I contacted them about XXXX first billing problem from XXXX confirming the issue was with XXXX, not with my bank 's bill pay. I have never had a late payment with any credit provider and have always resolved any issues as soon as I was contacted. I would like my credit report to corrected and the two months marked past due to be updated to good standing, since XXXX did not make a good faith attempt to remedy what was a technical glitch with their auto pay platform. My credit score was XXXX and has dropped to XXXX because of these XXXX late payments, and without correction, they will be on my credit reports until XXXX.