Consumer complaint received 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
My wife and I went to XXXX XXXX XXXX in XXXX XXXX ( XX/XX/XXXX ) to buy out our lease for our XXXX XXXXXXXX XXXX. We explained that we were only willing to pay {$450.00} a month for the car since we were only leasing it for {$380.00} a month. They had us stay there XXXX and a XXXX XXXX between the wait period and then speaking to them. 

Finally we spoke to XXXX XXXX who is in charge of sales. He went over the cars value along with the interest rate which was 9.9 %. We said we couldnt afford the payment of {$990.00}, especially at such a high interest rate so he then told us there is a government program and his boss, XXXX XXXX, could tell us more about it. XXXX then talked us into the program saying if you have a good credit score and reliable you would qualify. He looked up how much money we could get to have our payment be {$450.00}. He said wed receive a {$6500.00} check that we can use towards our payments each month to bring it to {$450.00} a month. Because he gave us such a high interest fee of 9.9 percent and the payment would have been {$990.00} a month, he kept telling us it would be fine because it was a government program. We werent comfortable with it but then he convinced us that there wouldnt be an issue with getting the money again next year as long as my credit was the same or they would even buy the car back from us and since we were making all the payments, we wouldnt lose any money. So we were talked into signing after being told there wouldnt be an issue. 
Then we went back 2 days later because we looked it all over again and didnt feel comfortable with what they talked us into and didnt want to rely on his word but once again he convinced us that it was fine and there wouldnt be an issue and just be happy youre your paying {$450.00} a month right now and if there was any issues they would buy the car back. 
We also realized that they added a service and maintenance program, and a total protection plan. We wanted to cancel our contract and we explained we did not see any government program online but he kept reassuring us. 

The first check we received after a couple of weeks was short and was {$6200.00}. The check came as a settlement form. We went back to XXXX to let him know this didnt make our payment {$450.00}. We also questioned why it was a settlement and not from the government. He said they give the company the money and they pay it out. He agreed to give another {$300.00} check because thats what we agreed upon. We also realized that the {$300.00} check that was given to us was from another vin number car type and year. 

On XX/XX/XXXX we went back to speak to him and discuss the program that he said hed reapply us for each year. He said he could only get {$2000.00} this year. We explained that we signed under false pretenses and there is no government program and that was a fraud. He said theres nothing he can do and our car now has - {$20000.00} equity so without a car our payment alone is {$600.00}. We left and called consumer affairs on XX/XX/XXXX to file a complaint. Eventually we got in touch with the main manager XXXX. We met with him XX/XX/XXXX to discuss the scam and fraud we experienced. He acted surprised and said hed never heard of this program and he couldnt believe how much money they had given us and that it didnt make sense. He continued to apologized and then said the only way he could help is to roll over the - {$20000.00} XXXX  into a brand new XXXX financing it for another 6 years and make our first years payment {$450.00} but then again {$980.00} a month for the next 5 years, essentially putting us in the same predicament we are in now. He said he couldnt help us otherwise and continued to apologized. XXXX consumer affairs also said there is nothing more they can do regarding this. 

The dealership is known for scamming and deceitful practices based on the recent case with the DA.

Company response to consumer: Closed with explanation