Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Nissan Collections dept have threatened me by telling me he will take action on XX/XX/XXXX at XXXX CST when I wasnt a full payment behind. Monthly Pmt is XXXX as I made a partial payment on XX/XX/XXXX of {$500.00}. Payment is due on the first. There is a 15 day grace period. I was {$180.00} delinquent/past due for XX/XX/XXXX + XXXX from XX/XX/XXXX.= {$370.00}. Nissan added {$52.00} late fee when I made the partial payment on time prior they charged a totally different late fee charg the next mon, getting higher of {$65.00}. Collector XXXX very rude, said how will you make your payment today, I said I will pay on the XX/XX/XXXX, he said I need a payment today. I said for the 2nd time-I cant make it right now I was laid off and wont have it til next week. He said if you dont pay by the XX/XX/XXXX we will take action. I said what is your name? XXXX. He asked me again ; yelling at me and said I need your payment today. I said it again, I said how dare you, who do you think you are? This man asked the same question 3 times and refused to take my answer. I will pay next week. For the 3rd time he asked when will you make your payment and I said I told you on the XX/XX/XXXX. He hung up on me. The very next day sounded like the same person ; very rude, on XX/XX/XXXX XXXX, not even 24 hours and called to ask the same question-when will you make your payment I said on the XX/XX/XXXX, he demanded me to make a payment over the phone that day or they will start action on XX/XX/XXXX. I said I dont owe a full payment. He disregarded what I said and threatened to take action as he needed my payment that day. I said you just called yesterday and I informed you that I would make pmt next week. Why are you calling again, you totally disregarded my answer and nothing has changed. He said We will take action, we went back and forth with the same info repeatedly. I said Because Im past due does not give you authority to be rude and aggressive, how dare youHe said you ran out of deferments and we need a payment today. I said I dont have it today. He insisted on me making a payment as I made it clear and repeatedly. I am trying and I have made efforts in paying as much as I could while being unemployed. Nissan does not want to work with me and has threatened me to make account current due to more than half partial payments. Im paying every month, atleast {$500.00} or more and he says they are taking action. To call me again less than 24 hours to ask the same question is a Threat. Nissan was calling 4 to 5 times a day due to a partial pmt. The last call was XX/XX/XXXX XXXX XXXX and I told her I just made a pmt. I told her about the previous harassing calls and threats and since, never received a call. I never told Nissan to not call me ; however if I tell them Im making a pmt next week and call me less than 24 hours the next day is a threat and unacceptable. I dont have a prob with the calls but 5 times a day is harassment. They can call me as I never said they couldnt ; however they do not have the authority to threaten and harass me. I have been more than cooperative and this treatment as to how they communicate is just unfair. See history of phone calls.

Company response to consumer: Closed with explanation