Consumer complaint received 2023-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OK

Complaint narrative:
My wife and I purchased a XXXX XXXX XXXX from XXXX XXXX of Oklahoma XXXX in XXXX of XXXX. At the height of the pandemic, we struggled to make payments on the vehicle so we were behind. We started to try and catch up after that. In XXXX of XXXX we took the vehicle to XXXX XXXX of Oklahoma XXXX to have the transmission serviced. The vehicle had a XXXX transmission which has since been put under recall and involved in a nationwide clash action settlement with XXXX due to the catastrophic failure. Regardless of that, about two weeks after we took the vehicle in for regularly scheduled transmission service, the transmission suffered a catastrophic failure and displayed the codes XXXX, and XXXX, which after researching meant the transmission had suffered catastrophic failure. We spoke with XXXX Consumer Affairs about this, due to the nature of what happened and there being issues with this specific transmission in this specific model of XXXX, but they said we need to get with the dealer who performed the service and have them replace the transmission. We contacted the dealership and they denied everything, made us look like fools, but quoted us a price of {$6000.00} to repair and replace the transmission that they destroyed. We then contacted XXXX Consumer Affairs again to let them know what the dealership told us. XXXX Consumer Affairs said they would not help. This was during the height of the pandemic ; my wife and I had been involuntarily quaruntined from our employer for several months without pay. We could not afford to fix the transmission and pay the payment on the vehicle, so we did a voluntary reposession in XX/XX/XXXX. Since then, the class action lawsuit against XXXX was settled for almost {$300.00} XXXX dollars. Our vehicle had XXXX miles at the time but supposedly the warranty for the XXXX transmission had been extended with an additional XXXX miles. We had purchased a XXXX warranty when we bought this vehicle. I tried contacting XXXX Consumer affairs again, and they tried telling me that my vehicle vin number wasn't included in the recall and that the age of my vehicle meant they wouldn't help me anyways because that extra XXXX mile warranty only covered up to XXXX miles. By their own admission, the warranty on the XXXX for the vehicle we owned was supposed to have been extended to XXXX miles. Thats now how a warranty works but I'm sure XXXX is used to getting away with this. As far as I understand and from what I have been able to research, the recall and lawsuit included the following vehicles that were equipped with XXXX transmissions that were defective and produced a XXXX or XXXX code ( our vehicle was equipped with this ) ; XXXX XXXX XXXX Rogue XXXX XXXX XXXX Pathfinder XXXX XXXX XXXX XXXX The XXXX for this vehicle is XXXX. 
The complaint number we had with XXXX Consumer Affairs that was denied is CASE # XXXX. 
Since being denied by XXXX and having the vehicle repossessed, XXXX apparently fixed or repaired the transmission and resold the vehicle at an auction or private sale several months later, and my wife and I are now stuck with an {$8900.00} bill to XXXX and a host of late payments that have all been reported on our credit and destroyed it. I hope this complaint reaches the right people so that this fallacy can be fixed. We payed over {$20000.00} on this vehicle to XXXX and they completely refused to help us.

Company response to consumer: Closed with explanation