Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Table of Contents XXXX. Complaint Summary XXXX. Exhibit A XXXX of Servicing Errors XXXX. Exhibit B Summary of Errors and Consumer Harm XXXX. Exhibit C Corrected Balance Calculation XXXX. Exhibit D Corrected Payoff Comparison and GAP Impact Complaint Summary Servicing errors following XX/XX/XXXX, total loss. Incorrect payoff sent to XXXX due to missing warranty refunds. Backdated and misapplied payments after system conversion. XXXX attempted payoff but creditor could not provide balance. Account charged off despite acknowledged errors. Exhibit A Timeline XX/XX/XXXX Accident XX/XX/XXXX Principal only payment made by borrower applied to principal and interest XX/XX/XXXX Insurance payment issued XX/XX/XXXX Insurance payment deposited XX/XX/XXXX Insurance payment applied to loan XX/XX/XXXX GAP package submitted by XXXX before refunds XX/XX/XXXX GAP payment # XXXX issued XX/XX/XXXX Warranty refunds issued XX/XX/XXXX GAP payment # XXXX backdated to XX/XX/XXXX and applied XX/XX/XXXX GAP payment # XXXX issued XX/XX/XXXX Additional GAP payment # XXXX backdated to XX/XX/XXXX and applied XX/XX/XXXX Warranty refunds backdated to XX/XX/XXXX and applied to principal, interest, and XXXX. XX/XX/XXXX Charge-off reported Exhibit B Summary of Errors Incorrect payoff to GAP Backdated XXXX XXXX refund application Interest accrued due to servicer delay Failure to provide payoff Improper charge-off reporting Exhibit C Corrected Balance Total Credits : {$20000.00} These credits should have reduced the balance before interest accrued. XXXX should have been near {$0.00} if processed correctly. Exhibit D Corrected Payoff Comparison, GAP Impact, and Servicer-Caused Balance Increase This exhibit demonstrates that the remaining balance on the account is the direct result of XXXX XXXX XXXX XXXX XXXX XXXX incorrect payoff amount to the GAP insurance provider and subsequently allowing additional interest and fees to accrue despite known servicing errors. Description Amount ( $ ) Amount ( $ ) sent to GAP * Original Loan Balance ( enter from statement ) {$21000.00} {$20000.00} Payment from customer {$500.00} {$500.00} Insurance Payment {$16000.00} {$16000.00} GAP Payment # XXXX {$2100.00} {$2100.00} GAP Payment # XXXX {$280.00} {$280.00} Warranty Refunds {$1500.00} {$1500.00} Total Credits {$20000.00} {$20000.00} Corrected Balance {$1000.00} $ ( XXXX ) * Amount GAP shows as balance received from XXXX Original Loan Balance : {$21000.00} Credits Applied : Customer Payment : {$500.00} Insurance Payment : {$16000.00} GAP Payment # XXXX : {$2100.00} GAP Payment # XXXX : {$280.00} Warranty Refunds : {$1500.00} Total Credits Applied : {$20000.00} Remaining Balance ( initial shortfall ) : {$1000.00} ________________________________________ Current Reported Balance : Approximately {$1300.00} The increase from {$1000.00} to approximately {$1300.00} is the result of interest accrual and late fees added after XX/XX/XXXX, during a period in which : I had already requested a payoff amount and expressed my willingness to pay any remaining balance * XXXX XXXX XXXX XXXX was unable to provide an accurate payoff due to internal system errors Known servicing issues had not been resolved ________________________________________ Correct Application Scenario ( If Accurate Payoff Had Been Provided to GAP ) : If warranty refunds had been properly applied prior to submission of the GAP claim : The payoff balance submitted to the GAP provider would have been lower GAP would have paid the full and accurate remaining balance Result : Account Paid in Full ( estimated balance : {$0.00} or slight overpayment ) ________________________________________ Key Findings XXXX. XXXX XXXX XXXX XXXX submitted the XXXX claim before applying warranty refunds, resulting in an inflated payoff amount. XXXX. XXXX payments were calculated using incorrect information provided by XXXX. XXXX. Warranty refunds were delayed and incorrectly applied, further distorting the balance. XXXX. I attempted to obtain a payoff and resolve the account in XX/XX/XXXX but was unable to do so due to Nissans system conversion and processing errors. XXXX. Despite these known errors, XXXX continued to accrue interest and late fees. XXXX. The current balance of approximately {$1300.00} is inflated by charges that would not have existed had the account been correctly processed. Conclusion Had XXXX XXXX XXXX XXXX : Properly applied warranty refunds when received, Provided an accurate payoff amount to the GAP insurer, and Provided a timely and accurate payoff upon request in XX/XX/XXXX, the GAP coverage would have satisfied the account in full, and no additional balance, interest, or fees would exist. The remaining balance, accrued charges, collection activity, and charge-off reporting are the direct result of servicing errors and failure to properly administer the account. This balance is disputed in its entirety. * I have called XXXX numerous times over the last year and requested return phone calls to which XXXX never returned a call, nor did they even attempt collection calls during the periods of time they reported to credit agencies XXXX day late payments. Cell phone logs, notes from phone calls, and Nissans recorded phone calls are all available should further investigation be needed.

Company response to consumer: Closed with explanation