Consumer complaint received 2024-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
My father is a Primary on our co-owned vehicle loan with Nissan. I have a power of attorney that Nissan financial is refusing to abide by. ( 1 is notarized and 1 signed by 2 witnesses ) Nissan says it doesnt go into affect until they receive it. They have had conversations with a third-party regarding our account and even went as far as to accepting a payoff from this third-party and issuing them title to our vehicle despite Nissan not having our permission or the power of attorneys permission to this day. 

They are refusing accountability refusing to help me and it is completely disgusting that someone that you signed an agreement with is violating my privacy rights and my consumer rights by speaking to a third-party that we didnt give them authorization to speak to please request all the recorded phone calls that both myself and my parents have made to Nissan since XXXX asking them to stop conversation with this third-party called XXXX XXXX XXXX who I have an open complaint against as well for also violating my power of attorney. 

A California durable power of attorney goes into place when it is signed. Its been signed twice once in XXXX and once again in XXXX. 

I have attached the fully executed purchase contract between Nissan, my father, and myself we are their consumers so again, why is the company that we entered into an agreement with as their consumers not communicating with us and illegally disclosing, private, confidential account information, without having any written authorization on file from the primary, my father or myself, saying yes, go ahead and speak to them I have also attached proof that my father has been making the payments, and I have attached proof of my power of attorney from XXXX all through XXXX my parents and I called into Nissan asking them on a recorded line to stop communications with XXXX XXXX XXXX 


On XX/XX/XXXX Nissan Call Ref # : XXXX Payment Rejection : Submitted last Friday. 
Spoke to : XXXX Customer Relations He said it would be done Then my account was re-opened. I made a payment. 

Once again in XX/XX/XXXX Nissan violated my power of attorney and all of the recorded phone calls between my parents and myself with Nissan to cease and desist conversations with the unauthorized third-party of XXXX XXXX, and they took another payment on XX/XX/XXXX, which resulted in my car being paid off, and the title being issued to them despite Nissan, not having any authorization from me, my father, or my mother the named agent in my POA. 

It is absolutely disgusting that Nissan is making excuses to keep the unauthorized payment and not protect their customers who they have a purchase contract with. I will not finance any more cars with them. This wouldve been my second car with them. This is disgusting. I will give my business to absolutely anybody else who appreciates and values and protected their consumers. 

On multiple recorded calls this week and last week I was told by all the Nissan phone representatives that my power of attorney isnt recognized by Nissan until they receive it thats not how the law works. It goes into effect when it is signed.

Company response to consumer: Closed with explanation