Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Company Complained Against : Nissan Motor Acceptance Company LLC ( XXXX ) Involved Third Party Dealer : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ) Transaction Date : XX/XX/year> Disputed Amount : {$8100.00} Description of Incident : I am filing a formal complaint against Nissan Motor Acceptance Company LLC ( XXXX ) for accepting, processing, and enforcing an incomplete contract that was secured via consumer deception and predatory trade practices by its authorized network dealer, XXXX XXXX XXXX. 1. Deceptive Trade Practices by XXXX XXXX XXXX : On XX/XX/year>, I executed a vehicle trade-in transaction at XXXX XXXX XXXX in XXXX XXXX XXXX FL. As an absolute condition of this trade-in and my agreement to enter into a new vehicle finance contract with XXXX, the dealership 's salesman and finance staff explicitly and verbally agreed to absorb and pay full financial responsibility for the XXXX excess mileage balance on the traded vehicle. During the closing process, XXXX XXXX XXXX finance staff utilized predatory " stack-signing '' tactics, rushing me through an overwhelming volume of paperwork while explicitly ensuring me that the mileage payoff was factored in. They actively concealed that they omitted the promised payoff from the final agreement. Furthermore, the Lease Turn In agreement copy provided to me is legally deficient and incomplete, as it lacks the mandatory authorized dealership managers signature and date. There is also a stark contrast between my digital customer signature and the handwritten dealer textwhich includes the miles of the traded-in vehiclestrongly indicating a " bait and switch '' altering of terms after I signed. Compounding this deception, when I reviewed the digital records on the thumb drive provided to me by XXXX XXXX XXXX at the close of the transaction, the dealership intentionally omitted all documentation regarding my trade-in vehicle and the Lease Turn In agreement. The drive exclusively contains the new lease contract. XXXX XXXX XXXX actively withheld these mandatory federal and state disclosures ( including the required XXXX Odometer Disclosure ) to conceal their fraudulent alterations and prevent me from discovering that they had defaulted on their verbal agreement to pay off the excess mileage. 2. The Refusal to Investigate and Corporate Pass-The-Buck Loop : * On XX/XX/year>, I received a bill from XXXX demanding payment of {$8100.00} for the excess mileage. I immediately called XXXX on the same day. The XXXX representative refused to open a dispute and instructed me to handle the issue directly with the dealer. On that exact same day ( XX/XX/year> ), I drove to XXXX XXXX XXXX to demand a resolution. The dealership management flatly refused to honor their verbal agreement and instead told me I had to file a dispute back with XXXX. XXXX can not legally accept, process, and collect on an unexecuted contract ( missing a manager 's signature ) that was secured via consumer deception by their authorized network dealer. Both entities are attempting to isolate themselves from accountability while leaving me with an unauthorized {$8100.00} debt.

Company response to consumer: Closed with explanation