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Mirash of Farmington Hills MI (09/08/08)
I inadvertently overpaid my account by $926.00 (selected mortgage company instead of NMAC in online banking)in August 08 and have requested a refund of the balance and have been given the run around for a month now trying to get my money back. On my fifth call I was told I would receive my money within a week. 10 days later still not having received a check I just called to find out they have applied my refund to this months payment which is not yet due. They still owe me money after this month's payment is applied and I don'think I will that back either.
C. of Owings Mills MD (06/04/08)
I'm gratefully wrapping up a 5 year lease thru NMAC, during which I spent endless hours on the phone correcting improper sales and property taxes. My husband travels for work, so during the 5 years we moved to differing states 4 times. Everytime we did, they began charging us varying taxes that were paid up front when we originally got the lease. After each move, it took repeated lengthy phone calls averaging 40+ mins to dispute the charges and have them removed. Most recently (Nov. '07) however, despite calling 3 times prior, the charges failed to be removed and they reported to the credit bureau that my account was more than 30 days past due, although I had been making timely payments to the lease amount, just not the tax I shouldn't have been charged in the first place. Upon finding this out I had to make several more time consuming calls to dispute it, and was assured that the appropriate steps would be taken to remove this from my credit report. I received a letter that was supposed to be helpful to my creditor (although none of them accepted it because the credit report & score are ultimate determinants) stating that it was their error and it was being fixed but that it would take 30 days or more for it be corrected on the actual credit report. Six months later, I find out that it is still on my report and was right back where I started, spending hours to get it rectified. During this time, the supervisor I was working with, Michael Rays, had the gawl to infer that I should have followed up sooner and I wouldn't be in this position. I suggested he check his records because I did follow up w/ in weeks of the occurence and was assured it was in the works. He also alleged that he would be in touch with me w/i 48 hours to let me know the status of my request but, not to my surprise, failed to do so. When I called 24 hours after he was due to call me, he denied making that committment and stated that he had other people to assist. While I'm sure that lame excuse is true, I quickly reminded him this should have been taken care of 6 months ago! In a similar conversation years prior another representative of NMAC snidely stated it was difficult for them to properly review my account because I move so much, inferring I should expect this and that it's my own fault. As if that's any excuse for poor accounting!! I'd also like to mention the incredible amount of false information I've received from them, which always results in excessive transferring from one rep to the next, each with absorbenent wait times.
Donald of San Carlos CA (05/25/06)
Ten weeks ago, my mother died. Since he is unable to care for himself, my 87 year old father who currently resides in NJ will be moving to San Carlos to live with my wife and I. He currently leases a car from Nissan Motors and as indicated by his physician has multiple co-morbities which hamper his ability to drive. He suffers from diabetes, obstructive lung disease, leg thrombosis and uncontrolled hypertension all of which put him at a risk to himself and others if allowed to continue driving. I have the documentation from his physician.
As he will no longer drive upon moving here, I have been dealing with Nissan (NMAC) to attempt to get an early termination of the car lease without my dad having to pay the early termination fee of $2747.13, money which he does not have (sole source of income is $900.00/month Social Security with no savings) -- the lease is not up until January, 2008.
I was told by a woman at Nissan (Donna) that at times, these early termination fees are waived due to chronic medical conditions. Today, I received a call from her indicating that her superiors denied the request. She also stated that she didn't understand why and went on to tell me about her mother who has Alzheimer's Disease and lives with her and is also unable to drive. Apparently, unless my dad dies, he will be accountable for these fees.
Should he die, they told me they would go after his estate (there is none). Nissan is being quite unreasonable. All he wants to do is return the car, which is in excellent condition, move to California, and not have to pay the early termination fees. At 85 years old, he should never have been allowed to sign a 3 year lese. That, in and of itself, was negligent on the part of Nissan. Is there anything you can do to help him (me) out?
Brenton of Montgomery AL (05/09/06)
I was having financial difficulties and my car that I had financed through NMAC got repoed on Sunday. I had just made a payment and still owed them two. The company took my payment never informed me that they would take my car. I called on Monday to set up payment arrangements to get everything caught up since I talked to my parents and they were going to help me. My car would have been paid off in Dec 2007. But the company will not work with me so I can get my car back.
They informed me that I had to pay off the amount of $6400.00 to get my car back. I tried to talk to them and they wouldn't even listen. I need my car for work purposes and don't know what to do. I can't ask my parents for that amount of money and who would help me with a loan since I had gotten so far behind. I guess NMAC want to sell my car since its almost paid off. What kind of people won't listen and give you another chance?
Eric of Oakdale NY (05/03/06)
NMAC had the wrong address on file and was sending my account statements to the wrong address. Due to not receiving my statements payments were missed and my vehicle was repossed. I had an excellent credit history before dealing with NMAC. Mr Mike A, a poor excuse for a customer service representative, was absolutely useless and was down right nasty on the phone.
Upon finding out my car was repossed i immediately called to try and rectify the situation, but was unable to contact Mr A. Upon finally contacting him i was told i had to pay a fee, fax over three references, and proof of insurance coverage on the vehicle in question which i promptly did. Mr A kept telling me he did not receive proof of insurance from my insurance company even though i had confirmation that he had received it. I called him and told him i would like to pick up my vehicle and he told me i could pick it up when he was ready to release it and he threatened me with if you are late with one payment, "I will gladly send them to repo the vehicle and this time you won't get it back."
Jim of Mechanicsville VA (04/12/06)
When I bought my Nissan Maxima 36 months ago I decided to take their 3 year low-interest loan. It was set up as an automatic draft from my checking account. That is, all but the last payment, which has to be mailed to a different address...but you have to call customer service and wait and wait and wait and wait for an extremely long time to talk to anyone about the different address to send the payment.
Since I was set up on automatic draft every month I never paid a great deal of attention to the statement, knowing it was always paid by drafting my checking account. However, the last statement has in small print where the it normally states that the account will be debited and if you want to pay off in full this is the full amount, etc., etc., it stated your final payment could not be drafted and must call customer services for the address. Not high-lighted nor brought to your attention in in other way, and if you placed your payment with the remittance coupon in the window envelope provided it would go to the wrong address.
I didn't notice that they would not draft my final payment, so I got a past due amount, which I looked like all the other statements, but knowing it should have been paid off, I took a closer look. Needless to say, I'm disappointed and will certainly remember this bad experience the next car I purchase, which won't be a Nissan!!
Probably be noted on my credit history as a late payment which I have never had before
Wendy of Miramar FL (04/06/06)
I owned a 2003 Nissan Altima. Paid off in full Feb. 2005. This past Friday March 31, 2006, I went to purchased a new Mercedez SUV. To my disbelief I was notified by my car dealer that I'd been rejected due to a Charge off reported by Nissan. I then ask What is that? He explained, and asked if I had the title to my Altima, which I had in my hand. He called Nissan, and they told him they couldn't look up the information it was too old, (2005) however this Charge off will be on my credit for the next 7 years.
Tuesday morning I attempted to phone Nissan regarding this situation. I spoke with Jason in the recovery Dept -- he was rude, and uninterested in investigating the situation. He told me he has no history on my account just notes. How is it, that I pay off a car 3 years early, hold the title in my hand, and Nissan doesn't have the time or records to help me clear up this mess. How is it legal?
I was able to purchase my new car, after I supplied them with all my documentation, along with the title to my Altima. However, at a rate of 13.5%. I have every bit of documentation to prove I have been wrongly reported to the Credit Bureau, even a printout from NMAC very own accounting computer system. Why won't anyone at Nissan even look at it? For all the people who don't pay their bills, why would they do this to a customer who has paid in full? The stranger thing, the day I purchased my Mercedes, the Finance Manager told me I was the second customer this had happened to today!
Timothy of Richardson TX (03/03/06)
Due to a recent breakup, my income was cut in half, so I got behind on some of my bills. On Wednesday, March 1st, 2006 I got a call from the company that financed my car, Nissan Motor Acceptance Corp. The guy I spoke with (Willie) said that I was three months behind on my payments, which I already knew (I've been struggling with money since the breakup). He said that he had a repossession order for the car, but that I could prevent it if I made a payment that day by Western Union. I told him I'd make the payment. My payments are $428 a month, so I drove to the bank, and found that I had more cash than I thought. I withdrew the money, drove to the nearest Western Union, and made a payment of $860, which is slightly over 2 monthly payments. They gave me a receipt and a confirmation number.
This morning, I woke up to the doorbell. I looked out the window and saw my car hooked up to a tow truck. I answered the door and told the guy the situation, but he said I would have to call Nissan. He said that when I talked to them, they could call the repo company and release the car. So I removed my personal belongings from the car and got on the phone. I called Nissan, and was told that the guy I spoke to on Wednesday was not in today (of course). I explained the events of Wednesday, explained how I had made two payments, and asked what I needed to do to get the car back. She then informed me that since I didn't call them after I made the payment to let them know, there's nothing they can do.
In order to get the car back, I'd have to pay the full amount. So I'm thinking, this sucks, but I can find $428. As it turns out, when she said full amount, she meant the full amount of the loan, not a full payment. The amount left on the loan is $23,000. Because I didn't make a phone call after making the payments on Wednesday, my car is gone, and I have no way to get it back.
Tracey of Lutcher LA (01/23/06)
Back in 2004,I was having a real hard time. I had just lost my job, house, and car had just got wrecked, not to mention my youngest daughter who suffers with bipolar had just tried to commit suicide and she came real close. My car was in the bodyshop and when I went to pick up the vehicle, the owner of the bodyshop said Nissan had repossessed it.
I did not sign a v/s form, nor were there in Louisiana at the time a self help law. The license plate was on the car,also. RS6:966 states before Jan.1,2005 that there must be 3 forms of paperwork and I must sign it. I was not given my personal items that was left inside the vehicle, and I had 10 days to call and request that. I was given the run around. So just because I was financially and mentally destroyed, you had to take your vehicle illegally? I know i had a contract with you, but you can't break the law and get away with it.
Nissan is reporting this to the Bureau and collection co. I'm unable to buy a bubble gum now. I'm a single mother, and since we lost everything due to Katrina I can't get even get a jump start on trying to rebuild our lives.
Gail of Millsap TX (01/06/06)
On my credit report there is a charge of $292.00 not paid. This was a leased Nissan Quest back in the years of 1997-2000. I have asked on the telephone and faxed a written request to Mr. Mitchell back in December 2005, to supply me with the written documentation of this pending charge, that was either not sent or lost in the mail. I also have requested a copy of what they show that has been paid towards taxes on this vehicle. To no avail, and as of this date nothing has transpired.
There is no personal property tax in our county and if it is a leased vehicle, the company, who is Nissan, should be paying this and not the person who is leasing the vehicle. My tax assessor-collector is prepared to write a letter to this fact. My credit score is in the 700 range and the people who work at Nissan are obviously working just to make a paycheck and not at all trying to help resolve the complaint by the customer, who in turn keeps their product on the road.
Whitney of Tulsa writes (6/20/03):
I purchased an Altima recently, and I have been very diligent in making all payments on time. In May I paid the payment via the NMAC telephone payment service, for which they charge me $1.95. After making the payment it was not processed through my credit union. I called Nissan to find out why this was, and they told me not to worry, they would take care of the issue and get back to me if they needed me to do anything to take care of the situation.
On Wednesday NMAC had a "customer service" person call to tell me that they were reporting me to the credit bureau for failure to pay this payment. After three phone calls the NMAC "customer service" rep was rude, belligerent and insistent that my check was NSF despite the fact it was NEVER processed (definitely NOT NSF). NMAC's great solution was to tell me to overnight the check (because they won't take an electronic payment from me now) and still made the accusation that they will report me to the credit bureau, despite the fact that I made the payment a month ago, and called to check with them on why the payment had not been taken.
I called, in fact three times, and on 5/29 forced the lady on the phone to make a note on the account so there would be proof that I had talked with them. I called my credit union every week to see if they had seen anything. Nissan's "customer service" is an absolute joke, but on top of that they refuse to take any responsibility for the payment because they have a third party to handle those, so in their opinion this is in no way their fault, so on top of charging me interest for the entire month, claiming the check was returned NSF, refusing to help a month ago, reporting me the credit bureau, and refusing to take the payment electronically they are saying that my payment was never made. I have a confirmation #, they sent a bill saying I was paid in full through 6-22!
I am aware the problem was probably a clerical error, but they have given me NO way to fix this despite my having done the leg work a month ago! It cost me $14.14 to send the payment overnight and they still will not promise to process it before they report me to the credit bureau as a bad debtor. I will NEVER work with NMAC again if they do not improve the way they handle "customer service". I enjoy my car, but I could enjoy a car without the hassle of Nissan. If I were asked by a friend about buying a Nissan today I would tell them that it isn't worth it, the company is only out for the initial sale of the car, and does not care anything about customers.
Ed of Farmington Hills MI writes (6/14/01):
My lease expired and I kept calling about a payoff. Getting through on the telephone is almost impossible. I kept paying lease renewal payments. I was late on a payment. Nissan receved te payment and still sent someone out to repo the car. then they ad the nerve to report me to a credit bureau as a repo even though my contractual obligation had been satsfied to them and I subsequently ad paid off the car's purchase option. since tHen they sent me a check for overcharing me on the payoff two years later by almost $1,000.00. No one there has ever responded to my questions. What a place!
Christine of Lake Oswego, OR, writes:
I leased a Nissan Pathfinder for three years and turned it back to the dealer in great shape a month early. I took photos of the entire vehicle to prove its condition. The car was garaged and never suffered any kind of bump or fender bender. I paid all charges on time and even paid early some months. I even paid the last month after I turned in the vehicle.
A couple of months after I turned in the vehicle, I was notified of damages that didn't exist when I returned the car to the dealer. NMAC/Nissan demanded $142 for paint chips and dents. I refused to pay and sent letters and made call and expensive reprints of the photos. To no avail.
NMAC said it had done an inspection 30 days after I turned in the vehicle and after it tranported the car 180 miles to an auction. It refused to consider that the damages, if any really existed, occurred when NMAC had possession of the car and moved it 180 miles. Eventually NMAC quit sending dunning letters after I threatened a lawsuit.
However, I just found out that I was denied credit because NMAC reported me as a bad debtor. I have impeccable credit, except for NMAC, yet even NMAC leased me another vehicle. This is simply incredible that I can not get a credit card, when I make a six-figure income and have a good net worth with a pristine credit history. I have the feeling that NMAC just charges people these illegal charges which get paid because it is cheaper and easier to pay than fight about it. I think NMAC needs to be stopped.
More NMAC horror stories
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October 7 2008
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