Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
This complaint alleges unfair, deceptive, and abusive acts or practices ( UDAAP ) by Nissan Motor Acceptance Company, LLC ( NMAC ) in connection with the servicing and collection of a consumer auto loan. Specifically, NMAC intentionally disabled payment access after a timely cure, manufactured a default, impaired consumer credit, authorized an unlawful repossession in breach of the peace, and coerced a lumpsum payoff under economic duress to recover the vehicle. 
NMACs conduct caused substantial consumer injury, was not reasonably avoidable, and provided no countervailing consumer benefit. The practices appear policydriven and capable of repetition, raising concerns beyond an isolated dispute. 

DETAILED STATEMENT OF FACTS Complainants entered into a retail installment contract serviced by NMAC for a XXXX  XXXX XXXX. The loan carried a 0 % interest rate, a material and valuable contractual benefit. 
Within a sixmonth period, two automatic payments were returned. With respect to the second returned payment, Complainants cured the issue before the contractual due date by making a manual payment that posted and cleared before the due date and exceeded the amount then due, placing the account in a paidahead status. 
Despite this timely

cure, NMAC intentionally disabled all online account access, including automatic payments, online payments, and access to account documents and notices. NMAC representatives confirmed this lockout resulted from an internal policy and refused reinstatement despite proof of cure. By disabling ordinary payment mechanisms, NMAC materially interfered with Complainants ability to make payments and foreseeably increased the risk of delinquency. Any alleged delinquency occurred only after NMAC created this
impediment. 
NMAC thereafter authorized a nonjudicial repossession without providing required notices of default, right to cure, or intent to repossess to either obligor.

The repossession was conducted at a residential property in breach of the peace, without announcement and without allowing retrieval of personal property. Highvalue personal items were missing upon recovery of the vehicle. 
The vehicle sustained damage during repossession, including tire and rim damage, followed by braking system malfunction. 
To recover their vehicle and mitigate further harm, Complainants were forced to pay the remaining loan balance under economic duress, without any meaningful alternative. 


UDAAP ANALYSIS UNFAIR PRACTICES Disabling payment access after cure, thereby creating delinquency risk Manufacturing default through servicer interference Authorizing repossession without required notices and in breach of the peace Coercing payment through wrongful deprivation of collateral These practices caused substantial consumer injury, were not reasonably avoidable, and provided no countervailing benefit. 

DECEPTIVE PRACTICES Failure to clearly disclose that payment access would remain disabled even after cure Omission of material information regarding the consequences of account lockouts Misleading servicing practices that obscured consumers ability to remain current ABUSIVE PRACTICES Taking unreasonable advantage of consumers inability to protect their interests once payment access was disabled Leveraging manufactured default and credit impairment to coerce payoff Exploiting servicing control to extract financial advantage CONSUMER HARM As a direct result of NMACs conduct, Complainants suffered : Loss of use of their vehicle Forced payoff under economic duress Property loss and vehicle damage Credit and reputational harm Significant emotional distress and financial strain

Company response to consumer: Closed with explanation