Consumer complaint received 2024-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, XXXX began issuing XXXX for Auto Payment to XXXX XXXX XXXX -- my new bank. On XX/XX/XXXX, payment for {$320.00} was made in full, however NissanXXXX also sent the previous bank ( as well ) -- XXXX XXXX XXXXXXXX XXXX the same, and as a result caused an unintend double-payment, unbeknowst to me that caused other checks to bounce and I later had to cover and that cost me. 

Now just recently, my husband XXXX contacted XXXXNissan and they did respond, however their efforts are incomplete. One example of this is, this next upcoming payment of {$320.00} due for XX/XX/XXXX, that is still not showing up for Auto Payment in my XXXX XXXX XXXX XXXX, and this creates an issue becuase XXXX  Bill Pay will not remit payment unless they get this XXXX  for AutoPay. 

Had I already not been familiar with this and caught it again ( this time ) I would have ended up in the 2nd scenario that occurred last year, after the double debit from two different banks simultaneously -- that is what happened last XX/XX/XXXX ; in XX/XX/XXXX, XXXX was trying to still take again another payment, even though they collected twice for XXXX. This was when I had no choice to contact the former Bank with proof of the double charge from XXXX and they then reversed their double payment that had already came out of the new bank -- XXXX  ; simultabeously the attempt for further payments from XXXX XXXX XXXXXXXX was rejected that next payment and any others. Leaving just the new Bank -- XXXX, where is where the monthly XXXX  have been active since prior to XX/XX/XXXX. XXXX did not submit the XXXX for the month of XX/XX/XXXX, so XXXX did not remit payment. XXXX sent the XXXX again to the wrong bank and they have been doing that ever since, and we can not get them to send it to the correct bank, as well as us directly via Postal Mail, like we once had, even with XXXX XXXX. We are requesting that this is done now. 

We also requested the return ot the {$20.00} miscellaneous fee, and the {$16.00} late charge considering none of this was through any fault of myself or my spouse. So far, just recently the {$16.00} has been removed, but we do not see anywhere where that other fee of {$20.00} has been removed, and that is still outstanding and we are still waiting for that correction/adjustment as well. 

When all is said and done, we are not expecting to pay any more than what we would of had to, had this discrepancy never occured -- at least not with Nissan/XXXX We have already paid and owe a large sum for several returned items due to being presented with the two extra payment in excess of the regular month payment due. All we are asking now is to delete any remaining remittances going to the former XXXX XXXX XXXXXXXX, that way XXXX  can consistently get eBills which they can process via their AutoPay, once they receive timely statements. 

We expect that at the maturity date when we come to the end of our payments, we do not have compund interest for the well over a year of carrying these two additional charges and are only asking for all of that to also be amended, which is more than fair, since neither us or anyone else is seeking coverage for all of the other outstanding charges which are directly a result of how much and how often XXXX presented XXXX for AutoPayment both simultabneously and overlapping.

Company response to consumer: Closed with explanation