Consumer complaint received 2019-04-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
In XX/XX/XXXX, I signed a 3 year lease contract for a XXXX Nissan XXXX and financed my payments through Nissan Motor Acceptance Corporation. In XX/XX/XXXX, I put two seperate insurance claims with XXXX insurance to have damage fixed to my car from a hit and run incident sometime in the fall of XXXX. This auto body work was completed in a timely fashion and great condition at XXXX XXXX XXXX shop in XXXX, PA. I turned my lease in within 1 day of picking the car up, in pristine condition, straight out of the body shop. 

Shortly after, I received an email from a credit bureau that I owed Nissan Motor Acceptance Corporation {$4000.00} from various charges, but the bulk of them stemming from " previous repair ''. I called Nissan Motor Acceptance to dispute this, stating that I completed all of my repairs before lease turn in. The representative on the phone stated " you signed a contract and you're liable. The repairs you had completed were not up to our standards here. '' I was advised to call my insurance company. 

After several phone calls and emails back and forth with my XXXX Insurance Agent, XXXX XXXX ( who was very helpful ) he advised me to contact Nissan and that XXXX was not able to rectify this. 

In or around XX/XX/XXXX, I submitted a complaint with the Attorney General 's office of PA, followed by a letter a few weeks later that they submitted a complaint with Nissan but that by law, Nissan does not have to respond at all. 

Shortly after in XX/XX/XXXX, I started receiving phone calls from a debt collector. 

I do not contest the {$390.00} disposition fee, or the {$43.00} tax on that fee. I do not contest that the driver 's side mirror COVER was cracked, but the fair market value of this in somewhere around {$60.00} on the official Nissan website, not the {$460.00} that was charged. The majority of these charges are on the statement as " previous repair '' as the damage description, which was all fixed at a certified auto body shop. 

Furthermore, there was an 11 % tax added to the " excess wear and tear '' charges on this bill for a total of {$350.00}. I am questioning the validity of this tax percentage and where that number even came from. 

This is complete unfair business. I did my part and completed what I was advised to fix and sent the vehicle back in the condition I first received it in. My car before leasing the XXXX was a XXXX Nissan XXXX, and I turned it in with so many scratches and dents and never got a bill from Nissan for any of it. I am assuming it is because I leased another Nissan. 

This bill has given me tremendous stress and I do not know how to proceed. Aside from the illegitimate charges for my previous repairs on this bill, the prices are completely inflated and unjust. 

I was advised by a XXXX Insurance representative that the company could not have reported this to a credit agency until after 60 days. This balance already appeared on my credit report as unpaid. I do not even know if this is proper information given to me by the representative.

Company response to consumer: Closed with explanation