Consumer complaint received 2025-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, I leased a XXXX XXXX XXXX XXXX ( mileage XXXX ) from XXXX to XXXX, after trading in my XXXX XXXX XXXX ( mileage {$71000.00} ) which the dealership, XXXX XXXX XXXX, told me will not pass inspection. I have a mobile XXXX, and I need transportation. I was immediately referred to the sales department. I was shown a XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( VIN XXXX ). The trade in amount for the XXXX XXXX XXXX was {$3800.00} plus {$1500.00} cash. The lease amount per month {$280.00} for 17 months, maturing XX/XX/XXXX4. During the lease, I began to experience issues starting the vehicle. At the time the issue was happening once a month and at times, twice a month. I will turn the key and put the car into gear, the vehicle will begin to roll back, and I will lose control of the vehicle. I will immediately press on the brakes, but the vehicle will continue to roll, losing control of the vehicle. The only way to stop the vehicle I will have to put the vehicle into park. Two auburn lights will appear on the dashboard when this happens Malfunction Indicator Light ( MIL ) also known as the Check Engine Light ( I have a picture I took of the dashboard ). When I took the vehicle in for service, I told the dealership of the issue. On every service of the vehicle the dealership will return the vehicle saying everything had been fixed. The issue continued, now it is occurring at least once a week. My complaint was dismissed by the dealership and the starter problem was never fixed. 

On XX/XX/XXXX, I decided to purchase the vehicle, mileage XXXX with priced at end of lease {$22000.00}. The total capitalized cost price of the vehicle {$24000.00}. I was charged 13.1 % interest ( {$11000.00} ), total sale price increased to {$37000.00} for a used vehicle with monthly payments {$550.00}. I was told I had to purchase GAP insurance for {$890.00} and the paperwork was prepared with this included. I was not told this was optional ; it was recommended by the salesperson and included in the contract. I tried to negotiate with the dealership and at the time I felt I was being disadvantaged since I was a XXXX woman. When I collected the vehicle, as I started the vehicle the problem again occurred at the dealership. I reported and showed the Service Manager, who told me I was not turning the starter with the key properly, dismissing my complaint making me feel stupid. I have been driving for over 40 years, and I never had an issue starting a vehicle. Further, I was not told these vehicles have been discontinued because of the mechanical issues. 

My loan went into default, and I tried to communicate with Nissan Motor Acceptance Finance to negotiate the terms. Based on my name I was racially profiled, and all my calls were forwarded to XXXX ( XXXX ). I tried to negotiate but the person I spoke to was unable to assist because they were not aware of the laws/terms used in United States . The vehicle was repossessed on XX/XX/XXXX. Today is XX/XX/XXXX, I have not been notified by Nissan Motor Acceptance of the details of the repossession and when I tried to sign into my account online, the account has been blocked. I filed a complaint on XXXX  on XX/XX/XXXX and never received a response.

Company response to consumer: Closed with explanation