Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
Parties : Nissan Motor Acceptance XXXX and Repossessions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX Managing Partner From : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX XXXX | XXXX To : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX Subject : Request for Resolution & Counter-Demand XXXX XXXX XXXX XXXX XXXX XXXX VIN XXXX XXXX. Introduction I am reaching out to request a fair and timely resolution regarding my XXXX XXXX XXXX XXXX  XXXX ( VIN XXXX ), purchased XX/XX/XXXX. Since purchase, the vehicle has experienced repeated mechanical failures, including instances where it stopped unexpectedly while in traffic, creating serious safety risks. 


Despite multiple attempts to resolve these issues amicably through your department, the problems persist, and I have incurred financial losses, including trade-in value, warranty payments, loan obligations, tire replacement, and significant personal hardship. 

XXXX. Vehicle Purchase & Loan Details Purchased : XX/XX/XXXX, at XXXX miles Trade-in : XXXX XXXX XXXX XXXXXXXXt ( owned free and clear ), valued at {$11000.00} ; {$8000.00} applied toward Pathfinder down payment Loan : Nissan Motor Acceptance , {$24000.00}, 6.69 % interest, XXXX months, $ XXXX Payments made to date : {$4000.00} Tires : Mismatched brands ; XXXX tire with a post-purchase plug ; another replaced out-of-pocket ( {$280.00} ) XXXX. Mechanical Failures XXXX First Breakdown : Sunday, XX/XX/XXXX XXXX XXXX Vehicle stopped unexpectedly ; multiple dashboard warning lights illuminated Odometer : XXXX miles XXXX Second Breakdown : Wednesday, XX/XX/XXXX XXXX XXXX  Vehicle stopped while in motion, creating safety hazards, Law Enforcement responded to prevent me from being rear-ended Odometer : XXXX miles Gas tank reading : XXXX miles remaining Multiple warning lights illuminated Safety report filed : XXXX XXXX ID XXXX Supporting evidence : Photos, second technician opinion, repair records, and prior communications XXXX. Unlawful Repossession On Thursday, XX/XX/XXXX, Nissan Motor Acceptances Repossession Department unlawfully towed my Pathfinder to XXXX XXXX. 
Notice was mailed after the fact claiming that {$23000.00} due, with {$23000.00} attributed to unpaid contract fees My vehicle is currently at XXXX XXXX, scheduled for auction on XX/XX/XXXX per the repossession departments oral admission I am without transportation, jeopardizing my livelihood and safety. 

XXXX. Prior Settlement Offer & Call with Dealer Dealers offer : {$1800.00} for tow and XXXX loan payments ; included XXXX XXXX and Settlement of All Claims Call transcript summary ( XX/XX/XXXX ) : Dealer representative minimized repeated mechanical failures and shifted focus to procedural issues Dismissed evidence provided, ignored safety concerns, and suggested repairs rather than full restitution Deflection rather than acknowledgment of repeated failures and personal risk I declined the General Release offer, as it does not reflect my documented financial losses, the risk to my safety, or the unlawful repossession. 

6. Personal Property The Pathfinder contains personal items including coat, glasses, cosmetics, and other belongings. I request immediate return of all personal property from XXXX XXXX and Nissan Motor Acceptance or a police report will be filed for stolen property XXXX. Restitution / Replacement Request To resolve this matter, I am requesting either : XXXX Replacement : A new, comparable vehicle to the one I traded-in, or XXXX Restitution : {$23000.00}, which includes : Trade-in value : {$11000.00} Warranty payments : {$2100.00} Loan payments made : {$4000.00} Tire replacement : {$280.00} Loss of use ( 50 days $ XXXX ) : {$2500.00} Emotional distress and anxiety : {$3500.00} This request reflects my complete out-of-pocket investment and non-economic damages due to prolonged downtime and repeated safety risks. 

XXXX. XXXX XXXX North Carolina XXXX XXXX : XXXX XXXX XXXX. XXXX, XXXX XXXX to retrieve personal property post-repossession XXXX XXXX : XXXX XXXX XXXX. XXXX Unfair and Deceptive Trade Practices Federal Protections : Consumer protection regulations enforced by XXXX and CFPB XXXX. Exhibits Exhibit A : Transcript of call with XXXX XXXX, XX/XX/XXXX Exhibit B : Dealers General Release & Settlement offer Exhibit C : Repair records and communications Exhibit D : XXXX report and XXXX XXXX ID XXXX XXXX. Notice Please provide a written response and proposed resolution by the start of business Tuesday, XX/XX/XXXX. 

Failure to respond will result in pursuit of remedies through : North Carolina Attorney General Consumer Protection Division Federal Consumer Protection agencies ( CFPB / FTC ) Civil and equitable relief under state and federal law 11. Conclusion I seek a fair, timely, and comprehensive resolution, reflecting the repeated mechanical failures, financial losses, emotional distress, and personal inconvenience I have endured. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX. 
XXXX | XXXX XXXX

Company response to consumer: Closed with explanation