Vehicle loan or lease -- Managing the loan or lease -- Complaint #15275861
Complaint Overview
Complaint ID: 15275861
Company: Nissan Motor Acceptance Company LLC
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Managing the loan or lease
Sub-Issue: Billing problem
State: Maryland
ZIP Code: 20601
Date Received: 2025-08-13T12:00:00-05:00
Date Sent to Company: 2025-09-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
After paying off my auto loan on XX/XX/XXXX, a payment from XX/XX/XXXX ( {$230.00} ) was reversed on XX/XX/XXXX due to a bank error. On XX/XX/XXXX, a payment of {$230.00} cleared my bank account, which satisfied the shortfall caused by the XX/XX/XXXX reversal. XXXX claims they have no record of the XX/XX/XXXX payment and issued a check on XX/XX/XXXX for the XX/XX/XXXX reversal. A representative stated : After reviewing the account, the issue was the payment made XX/XX/XXXX {$230.00} was reversed XX/XX/XXXX, after the vehicle was paid off, that's why a refund check was sent to you. There was no way for us to apply it to the closed account. I apologize, but I don't see any payments made XX/XX/XXXX. I contacted XXXX multiple times by phone to request clarification on the reversed payment, the status of the XX/XX/XXXX payment, and why I was not notified of the reversal. At the time, I did not know that my bank had accidentally reversed the XX/XX/XXXX payment instead of the XX/XX/XXXX payment. XXXX representatives did not provide a clear explanation and stated that my bank should have notified me. Additionally, I received an email from the DMV on Wednesday, XX/XX/XXXX, at XXXXXX/XX/XXXX confirming the lien on my vehicle had been lifted. However, during a chat with an XXXX representative, I was informed the lien was paused or stopped due to the XX/XX/XXXX payment reversal. As a result, XXXX created a post-payoff balance and accrued interest that I dispute. I have provided proof of the XX/XX/XXXX payment clearing my bank account and requested that it be applied to fully satisfy the account.
Frequently Asked Questions
What is Complaint #15275861 about?
Complaint #15275861 was filed against Nissan Motor Acceptance Company LLC regarding Vehicle loan or lease specifically about Managing the loan or lease. It was received by the CFPB on 2025-08-13T12:00:00-05:00.
How did Nissan Motor Acceptance Company LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was not timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against Nissan Motor Acceptance Company LLC?
Yes, visit the Nissan Motor Acceptance Company LLC company profile at readthecomplaint.com/company/nissan-motor-acceptance-company-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.