Consumer complaint received 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I am filing a complaint regarding high-pressure sales tactics, misleading information, and coercion involving my trade-in and the forced financing of a new loan at XXXX Nissan in Florida XXXX 

I originally purchased a XXXX Nissan XXXX in XX/XX/XXXX. Within a week of owning the vehicle, it began stalling, losing power from XXXX mph down to XXXX mph, shaking violently, shutting off during turns, and displaying dashboard warning lights. These issues began within the first three months of ownership while the vehicle was still under warranty and progressively worsened through XXXX to the point where I feared driving the vehicle for my own safety, my familys safety, and the safety of other drivers on the road. 

I made multiple attempts to get the problems diagnosed and repaired. Nissan XXXX XXXX  ( Case # XXXX ) repeatedly dismissed my concerns and told me nothing was wrong, even though the vehicle was later included in a mass recall ( XXXX XXXX XXXX / XXXX ). I also brought the vehicle to multiple Nissan dealerships, including XXXX XXXX Nissan and XXXX Nissan, with no resolution. XXXX Nissan even broke my oil pan during service and failed to address the engine issues. 

In early XX/XX/XXXX, XXXX Nissan informed me that repairs would cost {$4000.00} {$5000.00} and pressured me by saying that if I did not trade the vehicle in immediately, I would owe approximately {$9000.00} out of pocket because of negative equity. As a XXXX XXXX XXXXXXXX veteran on a single income, I felt trapped and under extreme pressure. I had no other transportation and feared driving the unsafe XXXX XXXX. 

I repeatedly asked Nissan XXXX XXXX  and the dealership for information about my options, repair responsibilities, whether the vehicle was safe, and whether Nissan would assist due to the documented defects and recall. They either refused to answer, delayed responding, or told me there is nothing we can do. No helpful or accurate information was provided. 

Due to this pressure and lack of options, I was coerced into accepting a $ XXXX loan for a XXXX Nissan XXXX that I did not want and do not feel safe driving. The seats on the XXXX XXXX are extremely narrow and put severe pressure on XXXX XXXX  causing bruising, intense pain, and even triggering my XXXX XXXX to go out. When I complained to XXXX Nissan, I was told to keep driving until the seat flattens, to have a heavy-set person sit in it, or to trade it in againeven though the vehicle was only four days old and had already depreciated. This feels like a pattern of intimidation and exploitative sales tactics toward consumers and vulnerable individuals. 

I am requesting an investigation into the dealerships high-pressure sales tactics, failure to disclose material information, coercion into a loan, and Nissans refusal to provide accurate information about known safety defects. I am seeking relief from the coerced loan and assistance resolving this issue. 
|LAWS THEY MAY HAVE BROKEN Florida Unfair and Deceptive Trade Practices Act ( FDUTPA ) ( Florida Statutes 501.201 501.213 ) XXXX Nissan may have violated FDUTPA by : Coercing you into a financial transaction Using intimidation and manipulation Misrepresenting your options Failing to disclose known safety issues Misleading you about repair costs Exploiting your vulnerability ( XXXX veteran ) Pressuring you with false urgency ( you must trade right now or pay {$9000.00} ) Providing unsafe or medically harmful advice ( have a heavy-set person flatten the seat ) Florida Motor Vehicle Repair Act ( Florida Statutes 559.901 559.9221 ) XXXX Nissan may have violated state law because they : Broke your oil pan during service Failed to disclose proper diagnosis Failed to repair safety-related issues Returned the vehicle in unsafe condition Florida Deceptive Motor Vehicle Trade Practices Act Covers : Undue influence Misrepresentation Concealing known mechanical defects Coercing a consumer into a forced trade-in New Jersey Consumer Fraud Act ( N.J.S.A . 56:8-1 et seq. ) VERY STRONG FOR YOU Because your original purchase was from New Jersey, you have jurisdiction. 
Violations include : Concealing known defects Misrepresenting recall-related issues Selling a car with safety problems within 3 months Failing to honor warranty obligations Deceptive representations about repairs Any omission of material facts New Jersey Lemon Law ( N.J.S.A. 56:12-29 ) You reported problems : Within 1 week Within 3 months Under warranty And repeatedly potential Lemon Law violation, because the dealer/manufacturer failed to repair the same safety defect after multiple attempts. 
New York General Business Law 349 & 350 Deceptive Acts and Practices ( XXXX XXXX Nissan handled a recall repair incorrectly ) Violations include : Return of unsafe vehicle Failure to repair a major safety defect Misleading explanations about the recall Service negligence that almost caused a crash Magnuson-Moss Warranty Act ( Federal Law ) This governs all car manufacturers in the U.S. 
Nissan may have violated it because : You reported defects while under warranty They failed to repair the vehicle properly They denied warranty coverage without justification They misrepresented the nature of the defect They forced you into an unnecessary purchase Federal Trade Commission Act ( FTC Act 5 ) Prohibits unfair or deceptive acts.

Violations may include : Coercion during financing High-pressure sales targeting a vulnerable consumer Misrepresentation of repair necessity Concealing known defects Deceptive sales practices Failing to disclose recall-related risks Truth in Lending Act ( TILA ) possible violation If the financing terms were : Misrepresented Rushed Incomplete disclosures Pressure-based This can be included in your CFPB complaint. 
Americans with Disabilities Act Potential Angle You told them your : XXXX XXXX XXXXXXXX XXXX  restrictions And their response was inappropriate and dismissive, refusing reasonable accommodation or safe alternatives. 
XXXX XXXX Regulations ( XXXX XXXX. Chapter XXXX ) Your symptoms match the recall before the recall was issued, and Nissan dismissed your safety reports. 
Violations of : Failure to acknowledge a safety defect Returning a dangerous vehicle to the customer Ignoring repeated safety complaints Unconscionable Business Practices ( Legal doctrine, all states ) Because you were : Vulnerable ( XXXX veteran ) Without safe transportation Misled into thinking you had no other option Pressured into a loan you didnt want Provided false or deceptive alternatives Given medically unsafe advice

Company response to consumer: Closed with explanation