Consumer complaint received 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I am filing this complaint due to repeated servicing errors, misapplication of payments, unexplained balance discrepancies, and misleading representations by Nissan Motor Acceptance Company regarding my auto loan account. 

Unreconciled and contradictory balances : On XX/XX/year>, Nissan issued an official account statement reflecting a total amount due of {$1000.00}, with a payment due date of XX/XX/year>. This statement represents a formal disclosure of my total obligation at that time. 
However, Nissans internal payment ledger reflects a materially different balance of approximately {$4700.00}, without any reconciliation or explanation linking that ledger balance to the {$1000.00} statement amount. 

Insurance and GAP payment misapplication : In XX/XX/year>, Nissan received {$15000.00} from XXXX XXXX as an insurance payout. After this payment, I was informed that the remaining balance was {$1000.00}. 
In early XX/XX/year>, Nissan stated that a GAP insurance payment of {$3300.00} had not yet been received. Nissan later confirmed that this GAP payment was received on XX/XX/year>. 
After receipt of the GAP payment, Nissan asserted that the entire amount was applied to a balance of {$4700.00}, yet Nissan has not explained how that balance was calculated or why it contradicts the previously disclosed balance of {$1000.00}. 

Unauthorized application of post-repossession payment : On the Friday before XXXX XXXX, Nissan repossessed my vehicle. Within 24 hours, I submitted a payment of {$2000.00}. This payment explicitly did not include the XX/XX/year> car payment. 
A Nissan representative confirmed that I had the option whether or not to apply the payment to XXXX, and I clearly instructed that it should not be applied to that payment. Despite this, Nissan applied the payment to XXXX anyway, contrary to my instructions. 
As a result, additional interest, late charges, and fees were assessed that would not have accrued had my instructions been followed. 

Improper fees and fee stacking : Following repossession and the forced allocation of my payment, Nissan assessed multiple charges, including a repossession fee, a return/NSF fee, repeated late charges, and accelerated interest. These fees appear to have resulted from Nissans own payment allocation decisions rather than any failure on my part. 

Misrepresentation regarding access to account records : In the first week of XX/XX/year>, a Nissan representative informed me that a detailed payment ledger could not be sent electronically and would only be provided by mail. However, on XX/XX/year>, another Nissan representative emailed the detailed ledger to me directly. This contradiction raises concerns about misleading representations and delayed access to account records during an active dispute. 

Summary : Nissan Motor Acceptance Company failed to apply payments according to borrower instruction, maintained irreconcilable balances, misapplied insurance and GAP proceeds, assessed improper fees and interest, and provided inconsistent and misleading information regarding account records.

Company response to consumer: Closed with explanation