Consumer complaint received 2023-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
TO WHOM THIS CONCERN, HELLO GOOD EVENING, I AM WRITING THIS LETTER BECAUSE ON XXXX  XX/XX/23 AT XXXX XXXX XXXX XXXX UNKNOWN PEOPLE AT THE TIME APPROCHED MY HOME WITH OUT ANY ACKNOWLEDGMENT TO REPOCESS MY VEHICLE. AT THE TIME OF THE REPOSESSION MY PARTNER AND THE TOW TRUCKS PULLED UP AT THE SAME..MY PARTNER HONESTLY DID WHAT A NORMAL HUMAN BEING WOULD DO WHEN THEY ARE SEEING THEIR PARTNER CAR BEING TOWED BY A UNKNOWN TRUCK AND ARE NOT AWARE THIS MATTER WAS TAKEN PLACE. I WAS UNAWARE OF THE REPOSSION BECAUSE I CALLED IN A FEW DAYS PRIOR ADVISING THAT I WOULD MAKE THE REMAINDER PAYMENTS THATS WERE PAST DUE ON THIS PAST TUESDAY WHICH WAS ON XX/XX/23. SO I DID OF COURSE RETRIEVE THE LETTER REGARDING LATE PAYMENT ON XXXX XX/XX/23. SO WHEN I WOKE UP FRIDAY XX/XX/23 I WAS EXPECTING TO GO AND JUST MAKE THE BALANCE OWED BUT I COULDNT AT THAT MOMENT BECAUSE I HAD TO GET READY FOR WORK BY XXXX XXXX XXXX XXXX. I WENT TO MAKE MY PAYMENT FRIDAY AFTER THE TOW PEOPLE TOOK THE TRUCK VERY FREELY. MY EMPLOYER XXXX WAS HAVING ISSUE WITH PAYMENTS SO IT WAS A ERROR ON THEIR BEHALF..CALLED INTO NISSAN MOTOR TO SEE WHAT GOING ON I WAS GIVEN THE OPTION TO WAIT UNTIL MONDAY XX/XX/23 THIS WEEK TO RECEIVE THE PASS DUE AMOUNT PLUS THE TIME FEE FOR STORAGE. CALLED SEVERAL TIMES ON MONDAY XX/XX/23 PAY BALANCE AND GET MY CAR BACK. I HAVE BEEN GIVEN THE RUN AROUND AND BEEN TOLD THAT BECAUSE OF SOME TOW COMPANY WHOM TOOK MY CAR WITHOUT MY KNOWLEDGE INFORM THEM THAT BECAUSE THERE WAS A ALTERCATION BETWEEN ME AND THE TOW COMPANY I WOULD HAVE TO PAY MY BALANCE IN FULLL TO RETRIEVE MY CAR I AM JUST SO DEVATASTED BY HOW I HAVE BEEN TREATED BY NISSAN.WHOEVER THE AGENTS ARE I HAVE BEEN SPEAKING WITH BASICALLY KEEPS SAYING THEY HAVE VIDEO FORM THE TOW COMPANY AND THERE IS NO OPTION BUT TO MAKE PAYMENT IN FULL. I HAVE XXXX CAMERAS SURROUNDING MY HOME. THERE BASICALLY WAS NO INFORMATION FOR THEM TO GIVE SO THEY MADE THIS ENTIRE STORY UP. I WAS SO SHOCK AND CRUSHED BY WHAT I HEARD I HAVE REVIEWED THESE CAMERAS SO MANY TIMES AND THEY WERE XXXX. I WAS UNAWARE THAT THEY WERE EVEN OUTSIDE UNTIL AFTER MY PARTNER COMES TO TELL ME A TOW COMPANY TOOK THE VEHICLE. I WILL BE ATTACHING VIDEOS AND AUDIO FROM THE TIME IT STARTED TO WHEN THE PULLED OFF FROM DIFFERENT ANGLES OF MY HOMES. THERE WAS A WOMAN WHO WAS ALSO WITH THE TOWERS WHEN I TRIED TO SPEAK XXXX HER TO SEE WHOM SHE WAS SHE PUT HER CAR IN REVERSE. SHE ALSO MOVED MY TRASH CAN FOR THE TOW TO GRAB MY CAR. THE WAY THEY DID MY TRUCK IS UNBELIEVABLE, THEY LIED ON ME AND MY PARTNER LEFT DEEP WHOLE TRACKS IN MY YARD AND ALSO THREATENED TO CHASE MY PARTNER ALL ACROSS XXXX FOR THE VEHICLE. HE THEN PROCEED TO DRIVE TO THE CORNER OF MY HOUSE PUT A XXXX XXXX XXXX ON THE COME BACK TO MY HOUSE. MY NEIGHBORS WITNESSED THIS AS WELL ... ME AND MY PARTNER IS FEARING FOR OUR LIFE. I WAS NOT XXXX DAYS PASSED DUE FROM THE AMOUNT THAT IS DUE THAT IS ONLY XXXX XXXX. I AM VERY UPSET ABOUT MY VEHICLE AND WOULD LIKE MY VECHILE BACK THE WAY IT LEFT. I EVEN TRIED TO PAY YALL BUT THEY STILL PICKED IT UP. NOT ONE TIME DID I THREATEN CURSE YELL OR SHOW ANY VIOLENT ACT TOWARDS NOBODY. THIS IS MY YARD SO IF IT WAS NOT ME MAKING THREATS I DO NOT SEE WHY AM I BEING SHOVED AROUND WHEN I AM TRYING TO MAKE MY PAYMENT. I HAVE NOT ONCE EVER AVOIDED NISSAN I JUST FELT LIKE THEY WOULD SHOW SOME SORT OF SYMPATHY. IU JUST HAD GOTTEN BACK TO WORK FROM A XXXX XXXX  DEALING WITH MY KIDS XXXX  SO I WAS OUT OF WORK ON XXXX XXXX XXXXXXXX ONLY RECEIVING HALF OF WHAT I MADE PLUS I HAVE XXXX DAUGHTERS THAT I HAD TO TAKE CARE OF. BECAUSE I HAD NO CAR I HAD TO WALK IN THE RAIN TO GET MY KIDS FROM SCHOOL. ALL I AM ASKING FOR IS A SECOND CHANCE TO REEDEM MY VEHICLE. EVERYONE FALL ON HARD TIMES AND IT JUST HAPPENED TO BE ME. VIDEOS WILL BE ATTACHED. 

KINDLY, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation