Consumer complaint received 2025-05-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
XXXX phone payment of XXXX plus fee via personal check conf XXXX  first notice sent for billing error dispute amount XXXX received default notice of strict compliance or repossession from corp. even though charges disputed and double payments appliedXXXX  faxed and mailed second notice billing error dispute XXXXNO DISPUTE ACKNOWLEDGEMENT\XXXX improper payment plus fee personal check conf XXXX XXXX received the requested payment history and no payments sent were applied from remittance only personal check paymentsXXXX 3rd dispute inquiry sent for above amount\nNO DISPUTE RESOLUTION ACKNOWLEDGMENT XXXX  paid XXXX plus fee via personal check as no action taken on dispute however receiving constant calls from XXXX and imposed late fees. XXXX. sold personal information and I received constant calls from multiple numbers due to this. I opted out of having my personal and sensitive information released to any and all 3rd parties conf XXXX sent remittance for $XXXX  sent dispute with tracking XXXX  amount XXXX received letter from XXXX. referencing XXXX [this is the letter I sent XXXX] dispute stated would provide written response upon conclusion & as of today XXXX XXXX XXXX  no response received, just several more repossession strict compliance notices. ref # provided from XXXX  for this notice is XXXX received letter from XXXX. referencing XXXX  dispute. XXXX stated would provide written response upon conclusion & as of today XXXX XXXX XXXX no response received, just several more repossession strict compliance notices. ref # provided from corp is also XXXX this indicates no separate series of disputes. More late fees compounding from corp to the account even with supposed opened disputes on stated amounts.\XXXX sent remittance XXXX. sent inquiry about corp sent inquiry ref# XXXX  in reply to see if any resolution would be reached. ASKED WHY I\'M GETTING NEGATIVE REPORTING ON THIS ACCOUNT TO CREDIT SCORE COMPANIES. I HAVE SUFFERED WITH ADVERSE REACTIONS FROM OTHER CREDITORS DUE TO CORP. FALSE CREDIT REPORTING ON THESE ITEMS IN DISPUTE. HAVE HAD ACCOUNTS CLOSED AND AM UNABLE TO INTERVIEW WITH THIS ONM MY HISTORY IT IS NOT ACCURATE This was received by corp. on XXXX by XXXX XXXX XXXXXXXX XXXX XXXX Personal check payment plus fee due to conditioned fear response of threatened repossession. I\'m waiting on resolution but still attempting to remain in good faith because I\'m being bullied an coerced under duress. com XXXX received another strict compliance repossession notice dated XXXXXXXX XXXX. demanded payment of XXXX (their perceived overdue charges) and also additional multiple late charges in the amount of XXXX  for these items that are supposed to be in dispute and don\'t adhere to laws for protection against unfair debt collecting practices. The time for the corp required to resolve these disputes has far passed 30-60-90 days. The XXXX. demanding the full amount of XXXX or repossession by no later than XXXX. I received this notice on XXXX. This is threatening me and putting me under duress again. I have previously expressed multiple times concerning inflicted mental health damage due to previous bullying and harassment with the business practices of corp. entity. Notice stated that partial payments WILL NOT BE ACCEPTED. I contested such because the corp. isn\'t adhering to laws protecting the so called consumer from unfair debt collecting practices. My disputes have not been resolved. XXXX faxed letter about disputes and questions about meaningful disclosure.\nas of today no response on the above letter\XXXX XXXXersonal check payment confirmation # XXXX PAYMENT WAS NEVER APPLIED BY XXXX XXXX subsidiary fee collector by phone. XXXX received notice XXXX XXXX XXXX XXXX stating account due foXXXX XXXX payment. THIS IS IN DISPUTE OVER 60 DAYS. I am current in my payments. Corp. entity isn\'t adhering to FDCPA. \XXXX Immediately resent new personal check by phone plus fee on XXXX the day I received above notice. conf XXXX. THIS IS FOR MY XXXX XXXXent dueXXXX payment via check by phone plus fee for May payment satisfied XXXX received ANOTHER repossession threat. I\'m tired of this. XXXX  is destroying my peace and rights to be secure in my papers and property. Satisfy your obligation to validate the disputes you\'ve lapsed time on fulfilling the requirements on in the first place. I\'ll seek legal advise in the meantime because I won\'t allow XXXX. to inflict abusive practices on me repeatedly. This is an unconscionable situation and I\'m going to be forced into affirmative defense because this is making me physically sick and can\'t perform my duties of life under scrupulous and then out right threatening behavior from a XXXX

Company response to consumer: Closed with explanation