Consumer complaint received 2025-11-21 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: CT

Complaint narrative:
Nissan Motor Acceptance Company ( NMAC ) incorrectly entered my first payment date as XX/XX/XXXX instead of the correct date of XX/XX/XXXX. A Nissan representative confirmed this error in their system. Because of this error, my account now shows 54 days past due, and it still reflects that I owe the XX/XX/XXXX payment even though that payment was made on XX/XX/XXXX. 

My first payment was due XX/XX/XXXX. I attempted to make this payment on XX/XX/XXXX, but it was declined because I selected the wrong bank account. On XX/XX/XXXX, I saw the decline and immediately repaid it with a debit XXXX days late, not XXXX or more. My next payment was due XX/XX/XXXX and was paid on XXXX/XXXX/XXXX days late, not XXXX or more. No payments were ever 30 days late. 

Despite this, on XX/XX/XXXX NMAC reported a 30-day late payment to the credit bureaus, causing my XXXX  score XXXX drop XXXX points and mXXXX XXXX  score XXXX drop XXXX points. This directly caused me to lose the ability to move forward with an active mortgage pre-approval. 

I have repeatedly tried to seek help through Nissan to correct this issue. I have disputed the reporting with both credit bureaus and filed a complaint with the XXXX but to date I have received no help and no update. 

I contacted NMAC multiple times to resolve this. On XXXX, a representative told me he was escalating the issue and submitted a credit for my late & miscellaneous charges, but on XX/XX/XXXX another representative informed meafter reviewing call notes and recordingsthat the XXXX representative never submitted the escalation request. This has happened repeatedly. Several representatives have simply restated the issue instead of helping resolve it. 

On XX/XX/XXXX, I called in for an update as instructed by the XX/XX/XXXX representative and again received the same run-around I had been given for about XXXX weeks with no actual update. I was given a XXXX XXXX XXXX to mail documentation to show why the remarks falsely placed on my credit should be removed and my points restored. I was told this would take an additional XXXX business days and that no email address was available to assist. Severely frustrated, I took the address and hung up. I gave it a few more days while preparing a letter with all my documentation. 

On XX/XX/XXXX, I called back and had to repeat my entire statement again. I was then told I would need to send in bank statements to prove the payment was made, even though a previous representative had already confirmed that the incorrect start date was the root cause of the reporting error. I explained that this continued run-around is extremely frustrating and that no actual assistance is being provided for an issue caused internally by NMAC. I was transferred to a supervisor who claimed he would escalate the matter and credit my late fees & open a payment investigation, but I have been told the same thing at least three or four times since XXXX. 

If this issue is not corrected before XX/XX/XXXX, my credit will be negatively impacted again. The only outstanding payment is the XX/XX/XXXX payment, which I have not paid yet because the XX/XX/XXXX payment is not being properly reflected as the XXXX payment. I have repeatedly requested that the XXXX and XXXX payments be deferred in good faith while NMAC corrects their system error, but I was told they do not defer lease loans. To avoid further damage, I will be making the XX/XX/XXXX payment on XX/XX/XXXX before XXXX p.m. to ensure it does not reach 30 days late. 

NMACs system error, repeated failure to escalate or correct the issue, and refusal to provide assistance have caused significant credit harm, financial loss, and unnecessary stress. I am requesting that NMAC correct the account start date, fix the payment history, remove the inaccurate late payment reporting, restore my points, and address the negative impact caused by their error.

Company response to consumer: Closed with explanation