Consumer complaint received 2021-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I SENT THIS COMPLAINT TO MULTIPLE AGENCIES AND IM JUST NOTIFYING YOUR OFFICE ABOUT THEIR PRACTICES. I AM ALSO A 100 % PERMANENT & TOTALLY XXXX VETERAN. THEY HIT ME WITH A 12.57 % LOAN OVER 75 MONTHS. THIS LOAN IS THROUGH XXXX. 

I am writing you because of the used XXXX XXXX I financed on XX/XX/2020 from the XXXX XXXX, NY XXXX dealership. I will also be contacting the XXXX, FTC and the New York AG office. 

How I found out about the XXXX XXXX XXXX dealership was through a postcard I received from them. This postcard was an attempt to solicit business from unsuspecting and recently bankrupt individuals. A practice that I have come to find out is unethical and just plain wrong. 

Anyway, I was lured into the dealership with the postcard and too good to be true offers. An outright bait and switch was pulled on me by these shady used car salesmen. 

I wasnt shown any vehicles, but the one Im in now. It was basically rammed down my throat with strong-arm tactics, as they quickly removed my plates and whisked away my original vehicle. Which was only supposed to be an appraisal for trade in. I informed them that I could not afford anything other than {$300.00} a month and was assured that I would receive such a deal. The finance manager XXXX even came running up to me to tell me what a great deal he got me. Then roughly an hour later and after all motor vehicle and insurance transfers were completely, the same sales manager strolls up to inform me that he made a mistake, that he was looking at the wrong paperwork. The bait and switch! No, my new car payment would not be what I could afford at {$300.00} a month. It was now {$500.00} a month with no veteran discount that I was told I receive. Also not to mention a nice and high apr too. I was told Id be taking care of. Yeah, I was taken care of alright. 

Now almost a year later I have dumped thousands of dollars into this lemon. From breaks that were not changed out, fuel injectors that were no good, to replacing the malfunctioning air conditioning. Which I found out in this warm weather wasnt working. 

Today was the last straw and why I am finally contacting you. You see, Im not an easy person to XXXX off. So I let a lot of things slide. Anyway, today as I was driving with my mother and my son for a day out in the nice weather the vehicle just loses power right on the busy XXXX XXXX XXXX. In XXXX XXXX traffic and stalls out. More money down the drain coming my way. 

I am absolutely disgusted and outraged by all that has transpired this year. But XXXX also embarrassed that I allowed myself to be taken advantage of by these people. I know that I can not be the only customer complaining about this dealership. They need to be investigated and shutdown. 

I am demanding and expect nothing more than that XXXX  XXXX  XXXX  replace and refund me for all my trouble and quite frankly, emotional damage. As I stated, I am embarrassed and disgusted! Nissan should be ashamed to allow this dealership to operate with their brand name. 

Respectfully, Mr. XXXX XXXX XXXX

Company response to consumer: Closed with explanation