Consumer complaint received 2015-12-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

On XX/XX/XXXX at about XXXX XXXX I received a call on my cell phone from someone identifying themselves as Investigator XXXX. This person immediately started to scream at me regarding a Nissan Versa that is under my father 's name and that I am consigned on. XXXX did not explain the situation, she just began to scream that they were going to take my car and there was an alert out and I would not be allowed to take anything out of it. When I asked what was going on she just kept screaming " ask you dad '' and refused to give me more information. 

My father has been making payments on this car since XX/XX/XXXX. I have never been contacted regarding a missed payment. I did not have access to this account prior to Friday XX/XX/XXXX. XXXX would not let me speak or give me answers. I know my rights, and I know that I have a right to be told what the problem is and I also have a right to try to fix it, which I did, immediately. Just like I would have made a payment if someone had contacted me XX/XX/XXXX when this problem began. I have a right to know if something is wrong. I have a right to not be screamed at and treated basically like I am a criminal. 

I understand this is my father 's fault. Lately he has proven himself untrustworthy and a liar, but I swear I did not know there was a problem. I rely on this vehicle to get to work, to take my daughter who is mentally ill to her appointments, and to take her to get her medications. I was terrified this weekend, even though I fixed the problem on Friday when someone in the Finance department finally listened to me and helped. I hid in my house, afraid that my daughter would be around for some repo man to violate my rights as a consumer. Every time I heard a car that sounded like a tow truck I cried. I hid. I am a citizen who has never been in trouble and this weekend I felt like someone was coming to arrest me. That is unacceptable. Just like my father not paying and not letting me know and giving you all the run around is unacceptable. 

Going forward I will be making the payments myself and I am taking the proper steps to remove him from this contract. I have not seen him and I have not talked to him prior to Friday when I called and asked what the problem was, and he continued to lie to me which tells me he has been lying to you all about the payments. I know you all probably hear this all the time, but I was not made aware of the situation, by my father or by Nissan. I would think that a call or a message to my cell would be the appropriate steps before having some " investigator '' call me screaming about the car. If I would have known XX/XX/XXXX that there was a problem I would have paid, but I was not given that right. 

I have exercised my right to cure the default, and I now want a guaranteed that the system has been updated and that I do not have to be afraid that when I go somewhere my car will not be gone when I come out. I want to know why your employee is allowed to speak to me in the manner that was used. I want to know what is being done about the failure to notify me, the other person on the contract, that there was a problem. I want to know what the consequence is for Investigator XXXX not informing me what the problem is and letting me know my options. I do understand that this is a grave mistake made by my father, and I should have checked on it, but I did not have a reason to think anything was wrong since he has been paying for three years and most importantly was not made aware of a problem. I understand the gravity of the situation but feel that it could have been explained to me before I was screamed at. I have a right to know the details. 

I would appreciate a response since I am now afraid to drive my car. I have taken the proper steps to ensure that this not happen ever again as I am now the only contact on the account. I