Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
INFINITI FINANCIAL SERVICES REFUSED TO COMPLY AND CORRECT THE LEDGER INACCURACIES BEEN REPORTED FROM XXXX.THEY SHOULD BE HELD ACCOUNTABLE FOR THE WAY THEY MISHANDLED THIS ACCOUNT POORLY, AND WAS DISGRACEFUL TO THE CONSUMER WHICH IS ME.THERE WAS NO CORRECTION FROM INFINITI FINACIAL AFTER THE FRAUD REPORT DISPUTING THE BALANCE STILL REFLECTING OVER {$19000.00} AFTER SALING THE VEHICLE FOR OVER {$36000.00} PLUS ALL DEPOSITS AND PAYMENTS RECEIVED ON THE ACCOUNT.NEVER REMOVED THE ENTIRE TRADE LINED OR RESPINSE BACK TO THE FRAUDULENT UNAUTHORIZED INVOLUNTARY REPOSSESS CHARGES THEY COSTED ON THEM SELF NOT US, AS THEY STATED THEY WOULD WITH ALL 3 CREDIT COMPANIES.I PROVIDED ALL OF THE PAYMENTS INFORMATION AS WELL.PLUS THE AMOUNT INFINITI FINACIAL SERVICES STATED THEY ACTION THE VEHICLE FOR WAS WAY MORE THAN THE LEASE RESIDUAL BALANCE OF $ XXXX.THE TRADE LINE STILL NOT REMOVED, AS THEY STATED FROM ALL 3 CREDIT BUREAUS WITH CORRECT XXXX BALANCE OWED.THEY REFUSED TO ASSIST ME IN REQUESTED PROVED FROM INFINITI FINANCIAL SERVICES FOR THE EXACT AMOUNT THEY SOLD THE VEHICLE FOR MINUS ALL THE 9PAYMENTS RECEIVED.PLUS, ALL THE {$2500.00} AT SIGNING XX/XX/XXXX SHOULD BE SUBTRACTED FROM THE LEASE VEHICLE AMOUNT AS RECEIVED XXXX/XXXX. THE ENTIRE REPORTED LEDGER IS INACCURATE FROM THE BALANCE BEEN REPORTED NOT ACCURATE AT ALL, LATE MARKERS DUE TO WRONG DUE DATE THAT WAS NEVER CORRECTED BACK TO XX/XX/XXXX AS PER XXXX XXXX IN INFINITI CORPORATE OFFICE DATED XX/XX/XXXX, XXXX AND AFTER THEY WENT BEHIND HER BACK AND INVOLUNTARY PICK UP VEHICLE AFTER WAS PROVIDED REF # TO SALE THE VEHICLE TO INFINITI ON XXXX XXXX XXXX AND ME HAVE DISPUTED THIS ITEM MULTIPLE TIMES SO THAT THEY CAN HAVE INFINITI FIANCIAL SERVICES FURNISHED THE CORRECT REPORT OF THE RETROACTIVE DUE DATE SHOWING THE CORRECT DUE DATE OF XXXX OF EACH MONTH, THEY REFUSED TO COMPLY.THEIR LEDGER STILL WAS BEING CALCULATED FOR THE XXXX OF THE XXXX.THAT WAS SUPPOSED TO BE REFLECTED AND RETROACTIVE BACK TO XXXX AS 1ST PAYMENT DUE DATE.ALSO, GOING FORWARD THE PAYMENTS WAS ON THE XXXX OF THE MONTH.NOTHING WAS SUPPOSED TO BE ON THE XXXX OF NO MONTH.THAT WAS CORRECTED AND ADDRESS MULTIPLE TIMES BY THE FINANCE MGR XXXX XXXX XXXX XXXX BEEN CONTACTED THE XXXX INFINITI COMPANY DIRECTLY AND EMAILED THEM ABOUT THE CORRECT DUE DATE FROM XXXX.ALSO, THE FACT THAT ALL OF THE LEDGER BALANCE IS STILL INACCURATE AS WELL WITH ALL THE FRAUDULENT CHARGES, LATE FEES, INACCURATE FINANCES CHARGES, REPOSESS FEES WHICH MUST BE TAKEN OFF.XXXX  XXXX DOCUMENTED THAT SHE WAS TAKEN OVER THE ACCOUNT FROM XX/XX/XXXX TO RETROACTIVE BACK EVERYTHING AND ALL PAYMENTS BACK TO THE XXXX THE CORRECT DUE DATE FOR XXXX PAYMENT.XXXX  XXXX STATED THEY DID NOT FOLLOW ANY COMPANY PROCEDURE AND READ HER NOTES OF WHAT SHE IN THE CORPORATE OFFICE OF INFINITI WAS DOING.THEY WENT BEHIND HER BACK AND PICK UP THE CAR AS INVOLUNTARY REPOSSESS WHICH IS FRAUD. THERE WAS A REFRENCE # GIVEN ON XX/XX/XXXX @ XXXX TO ME AND THE DEALER GIVEN US PERMISSION FOR THEM TO PURCHASED BACK THE VEHICLE AND ALL THE CORRECTED PAYOFF AMOUNT WAS PROVIDED TO THE FINANCE MGR XXXX XXXXYET THEY REFUSED TO CONTACT US THAT THEY ARE COMING TO GET NO VEHICLE TO HO TO ACTION TO SELL FOR LESSER MONEY OF THE {$42000.00} INCLUDING THE REBATES THAT WAS ON THE CONTRACTED TRADED AMOUNT FOR THE VEHICLE IN QUESTION.I AM NOT LIABLE FOR THIS ACCOUNT ANYMORE SINCE IT WAS SIGNED OVER TO INFINITI OF XXXX XXXX BACK AS A TRADE IN AND THE INFINITI BANK WAS AWARE OF ALL THE PROCESS.FURTHERMORE, ALL THE LATE FEES, INACCURATE INTERESTS AND REPO FEES MUST BE TAKEN OFF AS WAS TOLD TO ME WHEN CALLED TO DISPUTE ALL THE FRAUDULENT CHARGES STILL SHOWING.XXXX IS MORE THAN AWARE THAN ALL OF THE FRAUDULENT REPORTING IS NOT CORRECT AND REFUSED TO HELP ME TO GET THIS REMOVED COMPLETELY OFF MY CREDIT. 1ST THEY REPORTED A LEASE AMOUNT OF {$38000.00} TO THEM.PLUS OVER 8PAYMENTS MADE OF {$990.00} PLUS 1ST INTIAL LEASE 1ST PAYMENT AS WELL XXXX.THEN THEY CLAIMED THEY ACTION THE VEHICLE FOR OVER {$36000.00} EXLCUDING ALL OF THE FRAUDULENT UNAUTHORIZED CHARGES THAT I AND THE DEALER NOT LIABLE FOR. HOW THE XXXX  THE CONSUMER MUST STILL OWED OVER $ XXXX.DOES THIS SEEMS LIKE XXXX  DOING THERE JOB AT ALL ARE TRYING TO ADDRESS THIS FRAUD REPORTING.ITS SIMPLE MATHS RIGHT INFRONT OF THERE EYES.YET, THEY REFUSED TO STEP UP LIKE THE OTHER 2REPORTING COMPANIES TO REMOVE THIS FRAUD INACCURATE TRADELINE MARKINGS OFF MY CREDIT IMMEDIATELY.INFINITI OWES ME.I DON'T OWE INFINITI ANY THING.PLUS THEY SOLD THE VEHICLE FOR WAY MORE THAN THE RESIDUAL AMOUNT OF THE LEASE VEHICLE AMOUNT {$25000.00} THAT WAS CONTRACTED BY LAW TO BE POSTED TO THE CREDIT REPORT.THIS WAS NEVER A FINANCE CAR.IT WAS A LEASE VEHICLE AND THE RESIDUAL VALUE AMOUNT WAS {$25000.00} AND THEY SOLD THE VEHICLE FOR FAR WAY MORE THAN THAT.PLUS ALL OF THE PAYMENTS RECEIVED OF {$990.00} THAT THEY REPORTED. SO WHY XXXX  REFUSED TO DO THE MATHS AND THE NEED FULL TO GET THIS FALSE REPORTING OFF MY CREDIT FROM OVER 10MTHS NOW.PLUS THEY HAVE INFINITI STILL REPORTING WRONG INACCURATE LEDGER AMOUNT THAT THEY SEE THAT IS NOT CORRECT IF THEY SOLD THE VEHICLE FOR OVER {$36000.00} AS THEY STATED THEY ACTION THE VEHICLE.THEY NEED TO INVESTIGATE THE INACCURATE MONTHLY REPORTING OF ANY PASS DUE AMOUNT AND LATE MARKERS FROM XX/XX/XXXX AND GET THE CORRECT DUE DATE BACK DATED TO XXXX TO CORRECT ALL THE INACCURATE INTERESTS, LATE FEES, REPOSSESS FEES THAT MUST BE REMOVED.NO ONE TOLD THEM TO COME TAKE UP THE CAR FROM THE DEALER IN THE MIDDLE OF THE CORPORATE OFFICE AND XXXX XXXX CORRECTING THE ACCOUNT DUE DATE, TO ADJUST ALL INTEREST, PAST DUE REPORTINGS AND THE STATUS OF THE ACCOUNT WAS RETROACTIVE TO 2MTHS AT THE BACK OF THE LOAN SO THAT THEY COULD FIX THE ORIGINAL CORRECT DUE DATE BACK TO XXXX THAT IT WAS SUPPISED TO DAY AND APPROVED FROM XXXX @ XXXX WITH INFINITI AND THE DEALERSHIP.ALL OF THIS IS ALL NOTED AND YET THEY REFUSED TO FOLLOW THE LAW AND COMPLY WITH THE CONSUMER DISPUTES THAT IS STILL NOT ADDRESS AND LOOKED INTO VERY KEENLY.ALL THE INACCURATE AMOUNTS ARE RIGHT INFRONT OF THEM AND THEY REFUSEF TO DO NOTHING.XXXX AND XXXX  REMOVED ALL THE LATE MARKERS, TRADELINE AND REQUESTED INFINITI TO SHOW PROVED OF HOW MUCH THE CAR WAS SOLD FOR.WHICH THEY DID OF TO SEND IN.THEN THEY REMOVED THE TRADELINE BASE ON FACTS THAT THE VEHICLE EAS MOVE THAN PAYED FOR AND THEY STILL REFUSED TO CORRECT THE DUE DATE HISTORY, RETROACTIVE BACK THERE LEDGER BALANCE CORRECTLY WITH THE CORRECT DUE DATE OF XXXX NOT XXXX.THATS THE BIGGEST ERRORE THAT XXXX  REFUSED TO LOOK INTO AND ADDRESS.THEN THE FACT THAT THEY SOLD AND GET PAYED WAY MORE THAN THE LEASE CONTRACTED RESIDUAL AMOUNT OF {$25000.00} THAT SHOULD HAVE BEEN REPORTED IN THE 1ST PLACE ON MY CREDIT.NOT NO {$38000.00} THAT WAS NOT REMOVED AFTER SO MUCH DISPUTES.TIRED OF TELLING THEM THAT THE DUE DATE IS STILL WRONG, AMOUNT REPORTED STILL WRONG, AMOUNT SHOWING OWED STILL WRONG, TRADELINE IS INACCURATE AND MUST BE REMOVED.NOT LIABLE FOR NO MONEY AND THAT VEHICLE ANY MORE.THIS TRADELINE MUST BE REMOVED OFF CREDIT.PLUS THE {$2500.00} AT LEASE SIGNING WAS NEVER SUBTRACTED FROM THE LEDGER BALANCE CORRECTLY EITHER.PLUS ALL OF THE PAYMENTS RECEIVED.XXXX  NEED TO WORK AND DO THE RIGHT THING BY LAW AND HAVE INFINITI CORRECT THE LEDGER WITH THE RIGHT AMOUNT OF PAYMENTS AND SHOW PROVED OF HOW MUCH THE VEHICLE WAS SOLD FOR.THEN MINUS THAT FROM THE RESIDUAL VALUE OF THE LEASE CONTRACTED AMOUNT OF {$25000.00} AND SEE THAT INFINITI OWE ME.I OWE XXXX DOLLARS AND THIS TRADELINE MUST BE REMOVED SINCE THEY REFUSED TO COMPLY WITH THE LAW TO REPORT CORRECTED LEDGER AMOUNT BASE ON THE LEASE CONTRACT.I REPEAT THAT THIS WAS NEVER A FINANCE VEHICLE.THIS WAS A LEASE WITH A RESIDUAL VALUE OF {$25000.00} NOT SHOULD HAVE REPORTED $ XXXXTHEN THEY SOLD THE VEHICLE FOR WAY MORE {$36000.00} PLUS ALL AMOUNT PAIDED ON SIGNING OF $ XXXXPLUS ALL THE 8PAYMENTS RECEIVED. XXXX  NEED TO CORRECT THIS CREDIT HISTORY REPORT IMMEDIATELY AND REMOVE THE TRADELINE INSTANTLY OFF MY CREDIT REPORT. THIS IS NOT HEALTHY AND THEY REALLY ARE VERY DISAPPOINTING OUT OF THE XXXX CREDIT REPORTING BURUREAS.I WILL NOT STOP DISPUTING THIS INJUSTICE UNTIL TBEY STEP UP AND DO THE NEEDFUL. I CALL AND EVEN DISPUTED ALL OF THE UNAUTHORIZED FRAUDULENT CHARGES WITH INFINITI FROM WHEN THEY SOLD THE VEHICLE AND THEY STILL DID NOT RESPONSE BASE ON MY DISPUTE # AND INVESTIGATION BASE ON ALL THE UNAUTHORIZED FRAUDULENT CHARGES COSTED FOR THE INVOLUNTARY REPOSSESS THAT THEY WENT ON DO BEHIND CORPORATE BACK AS PER XXXX XXXX DATED AND STATED ON XX/XX/XXXX & XX/XX/XXXX AND AFTER THEY REPO THE CAR WITHOUT HER KNOWLEDGE AND CONSENT. NOT LIABLE FOR NO REPOSSESS FEES, INTEREST FEES, LATE FEES, NOR NO CHARGE OFF FEES.TRADELINE NEED TO BE REMOVED IMMEDIATELY WITH ALL OF THIS FRAUD REPORTINGS FROM XXXX.THEY SOLD THE VEHICLE AND STILL NO CORRECTION OF XXXX BALANCE REPORTED AND TRADELINE MUST BE REMOVED WITH ALL 3 CREDIT BUREAUS IMMEDIATELY.INFINITI FINANCIAL SERVICES MISHANDLED THE ACCOUNT FROM XX/XX/XXXX ONGOING AND NEED TO BE HELD LIABLE FOR ALL THE IGNORED AND DISRESPECTFUL HANG UP ON ME FROM XXXX @ XXXX STRAIGHT UP TO OVER 2MTHS NOW STILL NO RESOLUTION AND UPDATED CORRECT REPORTING MINUS ALL OF THE INVOLUNTARY FRAUDULENT UNAUTHORIZED FEES THEY COST ON THEMSELF AS PER XXXX XXXX BECAUSE THEY MISHANDLED THE ACCOUNT FROM XX/XX/XXXX AND THIS COULD HAVE BEEN AVOIDED IF THEY RESPONDED PROMPTLY ON THE LEASE DUE XXXX REQUESTED FROM XX/XX/XXXX, XX/XX/XXXX @ XXXX PLUS ONGOING FOR MONTHS WITH SEVERAL STATEMENT NOTED ON ACCOUNT THAT IT WILL BE CHANGED TO XXXX OF THE MONTH.BEEN PUT OFF SEVERALLY FOR MONTH AFTER MONTH AND THEY MUST HELD LIABLE FOR THE MISHANDLED OF THIS ACCOUNT.I DON'T OWE INFINITI FINANCIAL SERVICES NO MONEY AND THIS TRADELINE MUST BE REMOVED IMMEDIATELY.OTHERWISE I WILL BE TAKEN LEGAL ACTION.NOT EVEN ANY RESPONSE ON MY DISPUTE REFERENCING ALL THE INACCURACIES BEEN REPORTED BEFORE AND AFTER THE CAR WAS SOLD.ALL THE FRAUDULENT UNAUTHORIZED CHARGES WAS NOT CREDITED OR THE ACCOUNT WAS NOT LOOKED INTO ABLE THE CORREVT DUE DATE THAT SHOULDA BEEN CORRECTED FROM XX/XX/XXXX @ XXXX AS WHAT THEY AGENT TOLD US AT THE XXXX INFINITI DEALERSHIP THAT THE 1ST DUE DATE WILL BE XXXX GOING FORWARD AND SEVERAL MONTHS OF CALLING DATES AND TIMES WERE ALL DOCUMENTED.WILL GO VIRAL WITH THIS IF THEY REFUSED TO REMOVED THUS TRADELINE OFF MY CREDIT.THEY NEED TO STOP ALL FRAUD REPORTIMG IMMEDIATELY AND REMOVED THIS INACCURACIES OFF MY CREDIT.INFINITI FINANCIAL SHOULD TAKE OWNERSHIP FOR ALL OF THE MISHANDLED OF THIS ACCOUNT FOR ALL THE IGNORED THEY IGNORED XXXX THE DUE DATE CHANGE REQUESTED FROM XX/XX/XXXX, XXXX ONGOINGING MONTH AFTER MONTH BEEN PUT OFF.THEN THEY WENT BEHIND XXXX XXXX IN THE CORPORATE OFFICE THEY WAS HANDLING THE RETROACTIVE TO BRING THE ACCOUNT BALANCE STATUS ACCURATELY THEN THEY WENT AND PICK UP THE VEHICLE INVOLUNTARY WITHOUT NO CONSENT OR READING HER NOTES OF ALL THE INSIDE PROTOCOL TO BE TAKEN TO BRING THE ACCOUNT STATUS ACCURATELY.NOT LIABLE FOR ALL THETE INCOMPETENCIES FROM XX/XX/XXXX UNTIL THEY SOLD THE VEHICLE FOR LESS THAN WAS IT WAS TRADED IN FOR BEHIND INFINITI OF XXXX XXXX THAT WAS ASSISTING IN TRADONG BACK THE VEHICLE TO CORRECT THERE INCOMPETENCY OF WROND DUE DATE REPORTING FROM XX/XX/XXXX. DUE DATE MUST BE XXXX ONGOING NOT THE 1ST OF THE MONTH.THEY IGNORED EVERY REQUEST AND WAS XXXX REPORTING INACCURACIES ON ALL 3 CREDIT REPORTS WRONG EVERY MONTH.EVEN AFTER ALL THE FRAUDULENT DISPUTES FILED SND CALLED ABOUT THE CORRECTION OF UNAUTHORIZED CHARGES AFTER THEY SOLD THE VEHICLE.THEY REFUSED TO CORRECT THIS URGENT MATTER AND KEEP REPORTING INACCURACIES ON MY 3CREDIT AGENCIES AGAINST ME.REMOVED TRADELINE BEFORE I OF TO GO VIRAL REGARDING THIS FRAUDULENT UNAUTHORIZED CHARGES AGAINST A VEHICLE I NOT LIABLE NOR OWE NO MONEY ON.THEY MUST TAKE OWNERSHIP FOR THERE WRONG MISHANDLED OF THE ACCOUNT LEDGER AND NOT FOLLOWING COMPANY INSIDE NOTES AND DUE DATE GRANTED APPROVAL NUMEROUSLY WAS DOCUMENTED FROM XXXX, XX/XX/XXXX ONGOING SEVERAL CALLS AFTER WE GOT IGNORED AND HANG UP ON SEVERALLY FROM XXXX, XXXX, RUDE NASTY SO CALL SUPERVISORS THAT CLAIM THEY ARE IT.ON XXXX MGR ALSO APPROVED THE DUE DATE CHANGE AGAINED AND IT WAS NEVER REFLECTED ON THE ACCOUNT TO RETROACTIVE ALL THE WRONG INACCURATE INTEREST CHARGES AND FEES. TAKE OWNERSHIP AND STOP BLAMING THE CONSUMER FOR YOU ALL INCOMPETENCIES.PERIOD! REMOVE THE TRAFE LINE IF REFUSING TO DO THE LAWFUL THING AND CORRECT THE INACCURACIES THAT YOU ALL COSTED ON THE ACCOUNT FROM XX/XX/XXXX @ XXXX ONGOING DUE DATE WAS NEVER CORRECTED.BLAME YOUR INCOMPETENT WORKERS NOT THE CONSUMER.THIS SHOULD BE AT THE COMPANY EXPENSE NOT ME THE CONSUMER.REMOVE TRADELINE BEFORE GO VIRAL ON THE NEWS.TIRED OF THE BACK AND FORTH.LAST WARNING.DO N'T BLAME ME IF I GO VIRAL ON ALL SOCIAL PLATFORMS.TIRED OF THIS INCOMPETENCIES THAT THEY COSTED NOT ME.ENOUGH IS ENOUGH.REMOVE THE TRADELINES IMMEDIATELY.MAKE THEM SEND YOU PROVE OF HOW MUCH THEY SALE THE VEHICLE FOR.I DON'T OWE YOU NOTHING IF WHAT WAS REPORTING ON CREDIT {$38000.00} AND GOT ALL THOSE DEPOSIT AT SIGNING OF OVER {$2500.00} PLUS ALL THE PAYMENTS.PLUS THEY SOLD THE VEHICLE BEHIND OUR BACK IN THE MIDDLE OF CORPORATE OFFICE PLEADS OF NOT VOLUNTARY TURNING IN THE VEHICLE ON XX/XX/XXXX @ XXXX REF # WAS GIVEN TO US XXXX YET, THEY SOLD THE VEHICLE AND PUT INVOLUNTARY DURING OPENED INVESTIGATION WITH THE CORPARATE OFFICE XXXX XXXX AFTER ALL THE NOTES SHE LEFT. PLUS ALL THE DUE DATES REQUESTES WAS TOTALLY IGNORED.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation