Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NH

Complaint narrative:
vehicle transaction and subsequent repossession involving XXXX XXXX XXXX ( XXXX, Maine ) and Nissan Motor Acceptance Corporation ( NMAC ). I believe I was subjected to dealer fraud, including bait-and-switch pricing, misrepresentation of trade-in value, execution of an invalid or unsigned contract, and a wrongful repossession involving a breach of the peace. 

* * Summary of Events : * * On or about XX/XX/XXXX, I visited XXXX XXXX XXXX in XXXX, Maine in response to an advertised vehicle offer. The vehicle displayed a sticker price of approximately XXXX XXXX {$27000.00} XXXX XXXX and I have photographs documenting this sticker price. 
I traded in a vehicle with a represented value of approximately XXXX XXXX  {$23000.00} XXXX XXXX 
Despite the sticker price and trade-in, I later discovered that the loan opened in my name reflected a balance of approximately XXXX XXXX {$30000.00} XXXX XXXX a figure that does not align with the advertised price or the transaction as it was explained to me. 
I was never presented with, nor did I sign, a traditional retail installment sales contract. Instead, I was instructed to sign electronically on a * * PIN pad * *, without being provided the full contract terms, disclosures, or a meaningful opportunity to review or consent to the agreement. 
I later became aware of discrepancies between what was represented verbally at the dealership and the financing terms reported by Nissan Motor Acceptance Corporation.

Throughout the life of the alleged loan, NMAC restricted or denied my access to complete and accurate payment history through its website and customer portal, despite repeated attempts to obtain this information. 
Despite my account being current and/or paid ahead, and without producing a properly executed contract or lawful proof of default, my vehicle was repossessed on or about XX/XX/XXXX. 
I did not receive proper notice of default or a right to cure prior to repossession. 
During the repossession, the repossession agent engaged in conduct constituting a * * breach of the peace * *, including police and hotel gang up took my car through me from room in XXXX XXXX  weather. 
The repossession caused significant financial harm, loss of transportation, emotional distress, and potential damage to my credit. 

Based on my understanding, these actions may constitute : * Deceptive trade practices and unlawful bait-and-switch pricing * Fraud and misrepresentation regarding vehicle price and trade-in equity * Failure to form a valid and enforceable retail installment sales contract * Wrongful repossession under the Uniform Commercial Code * Breach of the peace during repossession * Failure to provide accurate account records and payment history * Violations of applicable state consumer protection statutes and federal consumer finance laws I have retained documentation including photographs of the vehicles sticker price, records relating to my trade-in, communications with the dealership and NMAC, evidence of denied account access, and repossession records. 

I am requesting a consultation to evaluate potential claims, including rescission or voiding of the contract, damages, statutory penalties, return of the vehicle, attorneys fees, and correction of inaccurate credit reporting. 

Please let me know if you are able to review this matter. I am available at XXXX  [ XXXX ] ( XXXX : XXXX ) and can provide documentation immediately. 

Thank you for your time and consideration. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX

Company response to consumer: Closed with explanation