Consumer complaint received 2025-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I am submitting this complaint against Nissan North America , Inc. and its financing arm for mishandling funds related to my lemon law settlement and auto finance account. This mishandling constitutes an unfair, deceptive, and abusive act under the XXXX XXXX XXXX Reform and Consumer Protection Act, as well as violations of consumer financial protections regarding loan servicing and refund obligations. 

Background I owned a 2024 Nissan Pathfinder that qualified as a lemon under Florida law due to repeated mechanical failures. 

As part of the lemon law settlement, I surrendered my vehicle on XX/XX/year>. I was told I would receive my settlement check the same day. 

Nissan failed to provide the check at the time of surrender, leaving me without reliable transportation. I did not receive payment until XX/XX/year>, causing financial and personal hardship. 

Mishandling of Refund Funds During the lemon law process, I continued making auto loan payments to Nissan Finance.

After the settlement, I was informed that my overpayment refund of {$3900.00} would not be returned to me directly. Instead, Nissan indicated the funds would be redirected to another party ( XXXX or retained by Nissan ).

These funds were paid by me and rightfully belong to me. Redirecting them elsewhere constitutes misapplication of consumer funds and an abuse of Nissans position as the loan servicer.

Communication Failures I attempted to resolve the issue with my Nissan contact, XXXX XXXX. 

He failed to respond to my calls and emails for two weeks.

When he eventually responded, he refused to escalate my concerns to a supervisor, justified his lack of communication, and ultimately hung up on me. I have never been contacted by a supervisor despite repeated requests.

Violations Unfair, deceptive, and abusive acts or practices ( UDAAP ) under 12 U.S.C. 5531 and 5536 by : Withholding or redirecting consumer overpayment refunds.

Failing to disburse settlement funds at the time of vehicle surrender.

Refusing to provide escalation or resolution channels.

Mishandling of consumer funds in connection with an auto finance account, in violation of federal consumer protection laws.

Relief Requested I respectfully request that the CFPB investigate Nissans handling of lemon law settlements and finance account refunds and require the company to : Immediately remit my full refund of {$3900.00} directly to me.

Ensure timely disbursement of settlement funds as required by law.

Correct its complaint-handling and escalation procedures.

Immediate contact by someone in executive leadership to apologize about XXXX XXXX 's actions and behaviors. 

I am prepared to provide documentation, including my settlement agreement, finance account statements, correspondence with Nissan, and proof of payments.

Thank you for your attention to this matter. I request confirmation that my complaint has been received for review.

Company response to consumer: Closed with explanation