Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC

Complaint narrative:
I am an active-duty servicemember protected under the Servicemembers Civil Relief Act ( SCRA ). I provided Nissan Motor Acceptance Company ( NMAC ) written notice of my XXXX XXXX  and XXXX XXXX on XX/XX/2025 by email to XXXX. I have been XXXX for many months, and my XXXX status was communicated as part of my SCRA notice. 

Over six months ago, the vehicle in question was returned to the Nissan dealership, and I was told by dealership personnel that I was good to go and that no further action was required on my end. It was only after negative credit reporting and financial damage occurred that I was informed I was supposed to contact NMAC directly something I was never told prior to the credit harm. This confusion and lack of coordination between the dealership and NMAC further contributed to the issue while I was serving on active-duty orders.

Despite my SCRA notice, NMAC still assessed a late fee and reported negative information to the credit bureaus. These adverse actions occurred after Nissan had notice of my XXXX XXXX and after the vehicle had already been returned. 

I contacted NMAC by phone on XX/XX/2025 and sent follow-up written correspondence requesting SCRA compliance and remediation, including the removal of the late fee and correction of adverse credit reporting. I received a generic response stating my SCRA request had been processed, but at no point was I provided written confirmation addressing late fee reversal, credit bureau correction, or the effective SCRA start date. No clear confirmation of remediation has been provided.

Additionally, while this issue was still pending, my online Nissan Finance account was blocked, preventing me from viewing account details, monitoring activity, or receiving portal communications. Blocking account access during a disputed SCRA request especially while a servicemember is XXXX interferes with my ability to manage my account and protect myself from further harm. 

As of filing this complaint : Late fees assessed after SCRA notice have not been confirmed as reversed Negative credit reporting has not been confirmed as corrected or deleted My online account remains blocked during an SCRA dispute I have not received written confirmation of full SCRA compliance The vehicle was returned over 6 months ago and I was told I was clear, only later learning that was incorrect after damage was done to my credit Under the Servicemembers Civil Relief Act ( 50 U.S.C. 39014043 ), creditors must provide protections once notice of active-duty service is given. Failure to reverse fees, correct credit reporting, and maintain accessible account management after notice especially while XXXX constitutes a potential SCRA compliance violation. 

I am requesting the CFPBs assistance to ensure Nissan Motor Acceptance Company fully complies with SCRA requirements, corrects the adverse credit reporting, reverses unlawful fees, restores access, and provides written confirmation of corrective action.

Company response to consumer: Closed with explanation