Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MO

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX regarding a disputed deficiency balance of {$2600.00} on my prior XXXX XXXX XXXX account, which they purchased from Nissan Motor Acceptance Corp ( NMAC ). 

I have made multiple formal requests to XXXX XXXX ( including speaking with Operations Manager XXXX XXXX who was unaware of the XXXX XXXX XXXX trade-in ) for complete, unredacted debt validation but what they have provided so far contains major gaps, redactions, and document discrepancies compared to the original XXXX records . 

1. Trade-in discrepancy : I traded in a XXXX XXXX XXXX with a stated {$8000.00} trade-in value, but XXXX XXXX documents do not fully reflect how this was applied or handled, especially regarding negative equity and payoff. 
2. Missing down payment : I provided a {$500.00} cash down payment at signing, which is not properly credited in the XXXX  validation packet or balance calculations. 
3. Missouri Title & Licensing Application : The Missouri documents show a net sale price of {$17000.00}, yet the financing paperwork inflated the financed amount to {$28000.00}. There is no clear or justified explanation of the additional charges or rolled-over balances. 
4. Missing Truth in Lending ( TILA ) documentation : XXXX  has failed to provide a complete Truth in Lending disclosure, including the required XXXX XXXX XXXXXXXX cover, as part of its debt validation process. 
5. Insurance payoff : My insurance company paid approximately {$25000.00} after the vehicle was declared a total loss, yet XXXX continues to claim a {$2600.00} balance without providing a full reconciliation of how that insurance payment was applied. 
6. Document discrepancies : The documents provided by XXXX  do not match the original XXXX records I hold, raising concerns about data integrity, accurate reporting, and lawful debt assignment. 

What I Am Requesting : I respectfully request that the CFPB require XXXX XXXX XXXX to : Provide full, unredacted debt validation under FCRA 623, FDCPA, and Truth in Lending Act obligations Deliver a complete financial breakdown explaining the exact origin and calculation of the claimed {$2600.00} balance, including the handling of the insurance payoff Provide the missing TILA XXXX XXXX XXXXXXXX cover documents Cease all negative credit reporting and collection activity on this account until the dispute is fully resolved and validated Attachments Provided I am attaching the following evidence for the CFPBs review : Missouri Title & Licensing Application XXXX payoff statement Insurance claim payout documentation XXXX XXXX XXXX partial debt validation packet I believe XXXX XXXX XXXX is attempting to collect on an invalid or inflated balance, based on incomplete or mismatched records, in violation of FCRA and FDCPA requirements. I request the CFPBs assistance to resolve this dispute fairly and require full compliance from XXXX XXXX.

Company response to consumer: Closed with explanation