Consumer complaint received 2021-06-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Todays date : Friday, XX/XX/XXXX XXXX XXXX, XXXX, My XXXX daughters, and I went to XXXX XXXX, XXXX XXXX, XXXX XXXX, Texas XXXX. I was a customer since XXXX. XXXX XXXX for a XXXX XXXX XXXX XXXX =VIN # XXXX ; Texas plates # XXXX, monthly payments set at {$290.00} ; however, payments were made over that set amount for three years. XXXX XXXX for a XXXX  XXXX XXXX XXXX, VIN # XXXX ; Texas plates # XXXX, and monthly payments set at {$290.00} ; however, payments were made over that set amount for three years. Upon taking the vehicles for their second scheduled maintenance ( about a year later ) on separate days, we discovered that the license plates for the XXXX  XXXX belonged to the blue vehicle and vice versa ( pages 7-8 ). It shed light that XXXX XXXX was really under the blue vehicle, rather than the red, and XXXX XXXX  was really under the red vehicle, rather than the blue. In short, after trying to remedy all the confusing, the finance person who did the paperwork rudely told us to exit his office and stated that it didnt matter if the records/contracts were wrong because the girls were sisters, lived in the same house, and stated that, XXXX XXXX XXXX XXXX was the owner of the vehicles anyway. It was an offensive response. The maintenance reports were eventually changed to reflect XXXX on the XXXX  XXXX ( page 8 ) as known she was the lessee of the red vehicle. After a plethora of evidentiary and well-noted attempts to have XXXX XXXX fix the contracts, I sought the XXXX  to get XXXX XXXX to fix the contracts. XXXX XXXX told me we needed to wait until the leasing maturity date, XXXX XXXX, XXXX, so they s could fix the contracts. I didnt agree, but they remained adamant about their decision. Reasonably, the chaos affected the payments, and theres plenty of record of that. Moving forward XXXX XXXX, XXXX a voicemail from a XXXX XXXX , XXXX coordinator, as he identified himself, left a message stating that on XX/XX/XXXX, XXXX received the last payment of {$390.00} for the ( unspecified ) XXXX. Moving forward XXXX XXXX, XXXX, although we argued and showed using my daughters cell that today was the day we needed to return the vehicles, Sales Manager Mr. XXXX XXXX alleged we were early, alleged that the maturity date was XXXX XXXX, XXXX, trying to contradict our proof. I asked he give it to me in writing, and he handed me a paper. I told Mr. XXXX XXXX, a car salesman who Mr. XXXX XXXX called upon, that he was a witness to what Mr. XXXX XXXX was alleging. Mr. XXXX XXXX added that if we returned the vehicles on this day that we were required to pay roughly about {$550.00} for each car alleging early termination. We were/are in a global pandemic, and Mr. XXXX XXXX refused to call Nissan Infinity/ NMAC ( Nissan Motor Acceptance Corporation ) to verify the maturity date even though we showed him the proof. Nonetheless, Mr. XXXX XXXX stated XXXX would receive a {$300.00} refund for over-payment on the XXXX  XXXX. 
On a separate occasion from XXXX XXXX, XXXX, Nissan Infinity/NMAC verified both accounts were complete, in good standing, and that XXXX would receive a {$300.00} refund through the mail for overpaying on the XXXX  XXXX. Moving forward XXXX XXXX, XXXX, a XXXX XXXX application for the red XXXX XXXX XXXX was drawn up. Mr. XXXX XXXX placed my name as if I wanted to be the buyer, which I was not in agreement. Why not use the real lessees name to sell her the vehicle she had been paying for? Frustrated and stressed, I questioned Mr. XXXX XXXX why he was also changing the mileage- XXXX difference between the XXXX and the XXXX  XXXX application. His response was far-fetched, so I requested he give me a copy with his original signature on it. I also questioned why he didnt write the truth that XXXX complied having the red vehicle for 3 years, as he wrote 2 years and 11 months, and suggesting on the XXXX XXXX application that the XXXX  XXXX was being sold from the lot when it wasnt. It is reasonable to state that Mr. XXXX XXXX wanted to continue alleging XXXX returned the red lease a month early. He did not want to fix the records that XXXX had been the lessee all the while. XXXX XXXX had previously alleged they would fix the contracts upon the maturity date, XXXX XXXX, XXXX, but they didnt. 
XXXX XXXX, XXXX, other management in the front office with another salesman, and XXXX XXXX re-appraised the blue XXXX XXXX for the second time since XXXX XXXX, XXXX ( Residual Value {$10.00}, XXXX, page 7 ). This management also went along with the charade that the maturity date was XXXX XXXX, XXXX ( compare page 7 with 9 ), and alleged an early termination fee of exactly {$540.00} ( page 7 ). Although the document shows XXXXs name on it, they didnt direct their dialogue to her, as known, XXXX was not the real lessee of the XXXX  XXXX XXXX as alleged on their XXXX lease contract that they were supposed to fix no later than XXXX XXXX, XXXX. On this same evening, Mr. XXXX XXXX approached me outside of the building. He became very aggressive and spoke irrationally. Not only did Mr. XXXX state that the XXXX  XXXX application had not been processed/submitted, he alleged very alarmingly that XXXX XXXX was going to repossess the XXXX  XXXX. He said a tow-truck would be picking up the vehicle from my home. To end his dialogue, I told Mr. XXXX to cancel the unprocessed XXXX XXXX application ( this harassment was a breaking point ) and that I would deliver the XXXX myself. I assured him there was no need for a tow-truck. Ultimately, at the end of this late evening, XXXX XXXX management and the other salesperson had no other option but to honestly accept the XXXX  XXXX XXXX on this day. After leaving, I called my then XXXX XXXX  ( about XXXX XXXX and spoke to a XXXX XXXX ) to remove the XXXX XXXX and my daughter, XXXX, from the policy. The XXXX calls are recorded for quality assurance. ( Note : I did not allegedly go and just toss the keys to any vehicle as later alleged by Mr. XXXX in an email. Note : Email of XX/XX/XXXX : 5 months later ) XXXX XXXX, XXXX, Per the XXXX XXXX website itself, no loan application. 
XX/XX/XXXXXX/XX/XXXX, Still, as of latter of XXXX XXXX, XXXX, no loan application appeared. XXXX XXXX people, management, and including Mr. XXXX re-verified ( and in writing ) that no XXXX XXXX, XXXX, XXXX XXXX contract was in place. XXXX XXXX management had the XXXX  XXXX in their possession by this time, but Mr. XXXX desperately kept texting on XXXX XXXX, XXXX. He texted asserting they were going to drop off the vehicle at my home. I told him he was not allowed on my property. He wrote back, I will leave it by the curb. He claimed his manager was aware. I advised I would not be responsible, that it would be an abandoned vehicle, that XXXX XXXX had inspected the vehicles and had possession of them, Nissan Infinity was aware we would return the vehicles at XXXX XXXX, that XXXX XXXX, XXXX was the real maturity date, that they were trying to force sales upon us, that the next day was the XXXX -the date they were trying to allege the cars were due when they know that not to be true, that I would call the news and show them the paper work and how the license plates were changed, that the mileage was being reported incorrectly, that we had the cars for XXXX years yet they were not reporting that, that they had too many lies, and finally that we paid with great sacrifice, that it wasnt cheap, and now that they were trying to take advantage of us. Mr. XXXX did not respond to my text message after that. 
Thereafter, I kept receiving letters ( more than once ) alleging that I had not returned the vehicles or anything of the matter. I called Nissan Infinity/NMAC and they said XXXX XXXX had yet to report on the leases. My emails to XXXX XXXX and affiliates questioning the vehicles went ignored. Reasonably, the stressful situation was not conducive to my well-being. 
XXXX XXXX, XXXX Mr. XXXX XXXX XXXX XXXX , from finance, texted to please call him. 
XXXX XXXX, XXXX I returned his text message with an email. He responded through text, Is this the same email you sent to XXXX XXXX, one of the Sales managers at XXXX XXXX? I confirmed stating I needed answers to my questions. Mr. XXXX XXXX XXXX texted he would get back to me, but he did not. 
XXXX XXXX, XXXX a XXXX XXXX car loan appeared on my credit report. Overwhelmed and stunned, I emailed again to no avail. The following shows one of the emails I sent. 

-- -- -- -- From : XXXX ( XXXX ) To : XXXX ; XXXX ; XXXX ; XXXX Date : Tuesday, XX/XX/XXXX, XXXX XXXX MST I still see the XXXX XXXX XXXX XXXX on my credit report. You are still trying to force a sale. Send me what you sent XXXX XXXX demonstrating the date. I have the right to know. In addition, I have yet to receive the answers to the previous emails I sent you all of which I am entitled to receive since you reported that on my credit report. On XX/XX/XXXX, I told Mr. XXXX XXXX in person to cancel the contract as he became very aggressive. On XX/XX/XXXX, my daughter and I made it known to Mr. XXXX XXXX to cancel/ void the contract of XX/XX/XXXX. Mr. XXXX responded there was no contract to cancel. Send me the information that I requested. I am requesting arbitration before you steal the vehicle as I feel that is what you are trying to do. I received several messages that we have not turned in the vehicles when we had, etc ... that is why I sent my emails. I also have video that we did turn in the vehicles in case you try to allege that I kept them. You have video as well, as the business has surveillance. Send the requested information. In addition, if all is legal, you will not object to sending me what I previously requested from Nissan Motor Corporation that answered you all have that information. 

A copy of the records in entirety as follows : 1. Showing the leasing status of both vehicles as of XX/XX/XXXX 2. Showing the leasing status of both vehicles as of XX/XX/XXXX 3. Showing the leasing status of both vehicles as of XX/XX/XXXX 4. Showing the leasing status of both vehicles as of XX/XX/XXXX 5. Showing the leasing status of both vehicles as of XX/XX/XXXX 6. Showing the leasing status of both vehicles as of XX/XX/XXXX 7. Showing the leasing status of both vehicles as of XX/XX/XXXX 8. Showing the leasing status of both vehicles as of XX/XX/XXXX 9. Showing the leasing status of both vehicles as of XX/XX/XXXX 10. Showing the leasing status of both vehicles as of XX/XX/XXXX 11. Showing the leasing status of both vehicles after XX/XX/XXXX to the present. 
12. Showing when XXXX XXXX reported having received/ possession of the leased vehicles with the mileage of each respectively. 

You should be able to send me this information today. 
XXXX XXXX -- -- -- -- -- My emails went unanswered. I continued to get letters that we had yet to return the vehicles when XXXX XXXX already had the vehicles in their possession. The situation took a stronger toll on my health. I decided to finally file a report with the XXXX XXXX XXXX to find some type of relief. 

XX/XX/XXXX, I submitted my complaint to the local XXXX XXXX XXXX reference XXXX XXXX : inaccurate credit reports, an unwarranted car loan application ( XXXX  XXXX ) forced by XXXX XXXX, and stemming from our loan experience dealing with two XXXX XXXX XXXX leases from XXXX XXXX, XXXX wherein they never corrected their XXXX contracts at the end of the maturity date, XX/XX/XXXX, like they said they would. XXXX XXXX representatives responded, Respondent agrees that Consumer is being reasonable and fair, and the Company desires to resolve this as soon as possible to relieve the stress of this transaction and make things right. To finally accept, I replied to their responses as follows, In light of everything, the following five items deserve merit : 1 ). Respondent will request that the credit reporting agencies remove the inquiry submitted to XXXX XXXX that is currently showing on the Consumer 's and her daughter 's credit reports- Yes, remove all inquiries from my credit report and my daughter XXXX credit reports ; ( 2 ). Respondent will unwind the refinance/purchase that took place in XXXX I do not know what unwind means in financial terms, and I do not want to assume. What I understand is yes, remove the XXXX XXXX application/contract as no loan should appear whatsoever ; ( 3 ). Respondent will ground the two leased vehicles and complete the return process- I do not know what ground means, but yes, the two leased vehicles were turned in a long time ago, in good condition, and I want a copy that the return process is complete on both leased vehicles ; ( 4 ). Respondent should remove all negative claiming late payments from the credit reports in entirety from both of my daughters ( XXXX  and XXXX  ) to include myself. It should reflect as good standing. In support as to why all this negative should be removed from our reports is that I did not receive the following records as I requested on several occasions which are very pertinent and the nucleus above all. As Mr. XXXX wrote, We will diligently pursue the removal of inquiries and potential negative information. I feel confident that we will resolve this to your satisfaction. 

I concluded that since Mr. XXXX kindly wrote, We will diligently pursue the removal of inquiries and potential negative information. I feel confident that we will resolve this to your satisfaction that I was accepting. XXXX XXXX accepted my final resolution as on the XXXX  report illustrates, no rebuttal to my final more than reasonable resolution. 

XX/XX/XXXX, Mr. XXXX XXXX, XXXX XXXX Director, wrote, " We are working to get you all the information you are requesting, my question is if you still wanted to keep the loan on the refi of the XXXX with XXXX XXXX or did you want me to call them and reverse the contract. I want to fix everything for you as soon as possible. I wrote back that there shouldnt be any loan whatsoever on our credit reports as we were completely done. 
XX/XX/XXXX I wrote to Mr. XXXX, Mr. XXXX, and Mr. XXXX as I had not heard or seen any results. I reiterated Mr. XXXX email and questioned if anyone had already called XXXX XXXX to reverse it. I also informed that my daughter had yet to receive her {$300.00} refund, questioned the status on the credit reports, and that Id appreciate they stop the marketing messages as I wasnt buying anything. 
XX/XX/XXXX, Mr. XXXX replied that the check was on its way, that hed look into the marketing, and wrote, We are working on the credit report correction and alleged he needed 2 pieces of proof of residence from me and my daughter. Baffled since it didnt make sense, I inquired with people who are very familiar with the credit reporting business ; more than one verified that the unusual request was not necessary to pursue the removal of inquiries and potential negative information as the deeds were done. They questioned, How did they report you three to the credit bureaus to begin with if they want to go that illogical route? As a result, I responded to Mr. XXXX that no more information was needed as how did XXXX XXXX do it to begin with? Why ask for more to undo whats been done already? I rationally requested Mr. XXXX to reveal what was he saying, and who he was talking to that was requesting now additional like utility bills and other photos. I questioned how that was contingent to correcting what was already done. 
Rather than answer my valid questions to reach the end goal, Mr. XXXX surprised me with a distressed response that one of his managers alleged I just walked into XXXX XXXX and tossed the keys. Reasonably, I requested to know which manager made such allegation with date and time, but Mr. XXXX response kept going another direction. I still deserved an explicit explanation as to how utility bills and photos were contingent to undo what was already done. Ultimately, I still sent my residence verification statement to try to reach the end goal stating that yes, my XXXX daughters and I used to live at XXXX XXXX # XXXX, XXXX XXXX, Texas XXXX, for many years, a long time ago, that nobody else lived with us, and we never lived on XXXX XXXX either. It is obvious we no longer lived there ( as they know ). I was a XXXX XXXX customer since XXXX. I financed a brand new XXXX XXXX XXXX through Nissan Infinity/ NMAC . After paying off the XXXX, my daughters and I were able to finance the two brand new XXXX XXXX XXXX through them as well. XXXX XXXX reviewed our information again on XXXX XXXX, XXXX and on XXXX XXXX, XXXX, to include updating references. 
In summary, XXXX XXXX did agree to my final resolution which was extremely more than reasonable, but they did not live up to the reasonable expectations/resolution ; the result was not and is not to our satisfaction. They only complied with one item -the {$300.00} refund for the XXXX  XXXX. It was sent through certified mail. It arrived and was cashed without providing any type of utility bills and/or other photos ( page 10 ) -the idea is illogical. The XXXX XXXX  was not removed. Our credit reports are still being affected, as they did not remove the alleged XXXX XXXX late payments/ potentially negative information/ alleging collections. They continue to report XXXX as still owing a last monthly payment that seems to indicate for the XXXX XXXX and that I allegedly owe {$78.00} that seems to indicate for the XXXX XXXX, but it is unverifiable. We do not owe anything, most especially as XXXX XXXX kept changing records to their advantage, they did not fix the XXXX contracts like they claimed they would do no later than XX/XX/XXXX which they never did not to mention driving around with the wrong plates, no proper credit reporting as it is unverifiable, they tried to allege a different maturity date to force sales and evade from correcting the XXXX contracts, letters claiming that the vehicles had not been returned when they already had, and making such claims during a pandemic time, the unwarranted car loan application with inconsistencies, too many things. Had we owed, they would not have refunded the {$300.00}, among other things. When I requested their history of the XXXX car payments, they did not send an official registry. They sent an XXXX spreadsheet on white typing paper without the pertinent information that belongs in a financial registry. Attaching a copy of an uncorrected XXXX contract is not verification in many ways like I wrote back informing them. That is not acceptable. In summary, there are no genuine issues of material fact herein. 
Respectfully speaking, I am not an attorney like Mr. XXXX, and I am not claiming to be one. I am a consumer and a parent looking after/advocating for my XXXX daughters, myself, and other consumers who may fall prey to such business practices. XXXX XXXX needs to answer the following questions for transparency as well. I am requesting they not imply by attaching a copy of the contracts they needed to fix no later than XX/XX/XXXX to begin with, which they created to become not lessee verifiable either : A. ) Which vehicle or vehicles is/are XXXX XXXX and its affiliates reporting and/or reported to the credit bureaus, to include allege ( d ) dates that my daughter XXXX was supposedly late on payments? Respectively, state the Vin # ( s ) next to the vehicle color ( s ) separating each entry with respective dates for transparency and to avoid any possible misrepresentations. 
B. ) Which vehicle or vehicles is/are XXXX XXXX and its affiliates reporting and/or reported to the credit bureaus, to include allege ( d ) date that my daughter XXXX supposedly owes one last payment? Respectively, state the Vin # next to the vehicle color for transparency and to avoid any possible misrepresentations. Include the alleged amount. 
C. ) Evidence shows XXXX XXXX and its affiliates are using/used XXXX and XXXXs credit for both XXXX Sentras. XXXX XXXX needs to show and explicitly state what they are using to do/done this. 
D. ) Which vehicle or vehicles is/are XXXX XXXX and its affiliates reporting and/or reported to the credit bureaus, to include allege ( d ) dates that my daughter XXXX was supposedly late on payments? Respectively, state the Vin # ( s ) next to the vehicle color ( s ) separating each entry with respective dates for transparency and to avoid any possible misrepresentations. 
E. ) Which vehicle or vehicles is/are XXXX XXXX and its affiliates reporting and/or reported to the credit bureaus, to include allege ( d ) date that I, XXXX, was supposedly late on payments? Respectively, state the Vin # ( s ) next to the vehicle color ( s ) separating each entry with respective dates for transparency and to avoid any possible misrepresentations.

F. ) Which vehicle or vehicles is/are XXXX XXXX and its affiliates reporting and/or reported to the credit bureaus, to include allege ( d ) date that XXXX XXXX, supposedly owe {$78.00}? Respectively, state the Vin # next to the vehicle color with the date for transparency and to avoid any possible misrepresentations. 
G. ) Please state the purpose for the {$300.00} refund. Which vehicle or vehicles is/are CXXXX XXXX and its affiliates reporting that money under. Respectively, state the Vin # next to the vehicle color with the reason for transparency and to avoid any possible misrepresentations. 
H. ) Please provide the complete and official financial registries for both XXXX Sentras without editing and having the pertinent information identifying both vehicles respectively. Each registry should contain the respective names, the account number ( s ) associated with the respective vehicle ( s ), the vehicle information such as the respective make/model and Vin number ( s ), the color identifying the vehicle, the amounts, and dates. It needs to be transparent and to avoid any possible misinterpretations. A copy of the XXXX lessee contracts are not valid, not verifiable, as they were not fixed no later than XX/XX/XXXX to begin with. They are not lessee verifiable either as they placed/switched the names ( wrong ) on the contracts.

Company response to consumer: Closed with explanation