Consumer complaint received 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for deceptive sales practices, undisclosed fees, misrepresentation of financing terms, and the addition of unauthorized aftermarket products to my auto loan. After reviewing my Retail Installment Sale Contract and itemization of the amount financed, I discovered significant discrepancies between what I was told at the dealership and what was actually added to my loan. 

XXXX XXXX XXXX included multiple add-on products and inflated fees without my knowledge or consent, including an {$800.00} XXXX XXXX XXXXXXXX XXXX I did not agree to, as well as additional aftermarket items listed under vague or misleading labels. These products were never explained, never disclosed, and I was never provided any documentation, policy details, or signatures validating my authorization. These charges were packed into the loan in a way that concealed their presence and inflated both my principal balance and APR. 

My downpayment also appears to have been misrepresented in the contract, further inflating the financed amount and violating Truth in Lending requirements. The total amount financed does not match the vehicle price minus what I actually paid. This directly harms me financially and appears to constitute dealer fraud, payment packing, and UDAP ( Unfair or Deceptive Acts or Practices ) violations.

Additionally, the dealership charged inflated and excessive fees, including a padded doc fee, and failed to provide transparent disclosures regarding how the XXXX was calculated, why the amount was higher than expected, and how these undisclosed add-ons contributed to my final loan terms. These actions have resulted in an improperly inflated loan balance, increased interest costs, and long-term financial harm.

Requested Resolution I respectfully request the following : XXXX. Full investigation into XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Refund and removal of all unauthorized add-on products, including the {$800.00} XXXX XXXX XXXX and any aftermarket items not properly disclosed. 
XXXX. Corrected recalculation of the loan principal based solely on the actual vehicle price minus my true downpayment and legitimate, lawful fees. 
XXXX Review and adjustment of the XXXX, as the rate appears inflated due to deceptive add-on loading. 
XXXX. Refund of excessive dealership fees, including the inflated {$590.00} doc fee. 
XXXX. Correction of any misrepresented downpayment reporting. 
XXXX. Any additional restitution, penalties, or relief deemed appropriate based on findings. 

Documentation Available I can provide : Full Retail Installment Sale Contract ( pages XXXX ) Itemization of the Amount Financed Evidence of downpayment Payment history GAP/warranty documents ( if any exist ) Screenshots, statements, and receipts Route XXXX XXXX XXXX have caused measurable financial harm and appear to violate multiple consumer protection laws. I am requesting immediate review and corrective action.

Company response to consumer: Closed with explanation