Consumer complaint received 2024-04-06 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: FL

Complaint narrative:
In XXXX, Nissan motor XXXX provided me with financing for a XXXX used Nissan XXXX. I defaulted due to an emergency. I attempted a few months later to make a payment to resolve the past due amount and was told I was high risk and they wouldn't allow me to keep the loan.a repossession was ordered, however they never found the vehicle or me. 2 years later, XXXX, I received notice that the debt has been sold. I also received calls from a repo agency. I contacted the repo agency and was told " I don't know why they called you, we no longer own this debt because we couldn't find you. '' I asked who owned it now and they didn't know. 5 months later, XXXX of XXXX, I received a letter from NISSAN MOTOR XXXX again! The letter said they had sold the debt and to contact that company. XXXX month later, XXXX, XXXX, I received yet another letter from NISSAN stating they had yet AGAIN sold the debt to a completely different company! Bother the letters from XXXX And from XXXX. Stated they sold the debt as of XXXX XXXX! I was confused, I contacted XXXX and disputed the debt, because Nissan was still listed as the lender and the debt was still {$20000.00}. XXXX changed my credit report to a charge off with zero balance. I had hoped the new debt owner would then appear on my credit so I would know who it was without making contact. Nothing changed. I contacted XXXX and disputed again. XXXX took the charge-off from my credit altogether and notified me, " congrats on paying off your car loan ''. My credit score with XXXX went up XXXX points! No other collection for the loan was updated. Last month I began being stalked, followed and called, by a repo agency! They even impersonated a job offer. When I tried to make actual contact, they avoided me. As far as I know, they do not own debts, only collect them..I called the police because they were literally followed me everywhere however I had no clue if they even had the right to collect my car. I am a XXXX XXXXXXXX victim and was in a XXXX XXXXXXXXXXXX XXXX  when this began. The stalking. I made several reports and the police stated that the company didn't look legit, and had been sited several times for bad practices. I called the company and asked why they were stalking me, they denied it, however they even parked outside the XXXX  several times, and sat in their trucks then followed me. I finally contacted Nissan again. I asked if " a debt in my name was sold to a company and who it was. They refused to answer, and hung up on me, demanded I call another number and left me on hold indefinitely... I called several times and also asked it they had an account in my name with a balance, they said yes, I asked for a balance and the info, they refused. From what I was told by XXXX, they could not prove the debt. From what the letters stated, they no longer own the debt..yet from what they say, I still owe them a debt but won't tell me how much. Oddly, before I had it removed from my credit, they showed that I had made a payment in XXXX, which wasn't true. Now my issue is, I don't even know who owns the debt. I don't know if Nissan can still legally collect a debt if they sold it, I dont think the repo agency stalking me has any stake in the debt which I thought was law. Also, Nissan is still listed as the lein holder on my title, yet they claim they sold it. Aren't they required to remove the lein if they don't have a stake in the property? And if no other company has listed themselves on my lein, shouldn't I be able to obtain my title and have it cleared? Nissan reported my debt as a XXXX balance. If they are the lein holder, and the balance is XXXX, why can't I walk in and clear my title with a check for XXXX dollars? As far as I know, the only reason is because they won't issue a clear title report to XXXX. They won't do that because they won't even tell me how much they say I owe or talk to me about the loan at all. I believe my debt was sold so many times, nobody actually has the proper paperwork to say I owe them or nobody knows who owns the debt. How do I work with a company that refuses to talk to me?

Company response to consumer: Closed with explanation