Nissan Motor Acceptance Corporation Consumer Loan Complaint

Nissan Motor Acceptance Corporation Consumer Loan department,

Vehicle lease Managing the loan or lease Arizona

-/-/- I leased a Nissan Leaf ( all-electric vehicle with an - mile range per charge ) from - Nissan for a 3 year term. In -/-/- my wife filed for divorce and I decided to move to Oregon. Driving the car to Oregon was out of the question. My attorney requested I find what the " walk-away '' value of the lease would be. In -/-/- the dealership calculated the final lump payment to be $6200.00. In -/-/- I requested information from the dealership on how to return the vehicle. I was instructed to contact Nissan. I did so and was first referred to an independent evaluation service who determined the vehicle in excellent condition for return. I took the vehicle to the dealership and completed the transfer. I was told I would receive a certified letter within - weeks from - with the final payoff amount. I never received that letter. In -/-/- I received a call from Nissan accusing me of being 2 months past due on my lease payments. I told them I had returned the car but they claimed they had no record of it being returned. I called the dealership who confirmed it had


from Nissan dated -/-/- that listed the vehicle as " repossessed '' and that I owed $19000.00. I called Nissan and was transferred to an individual by the name of -. He was obnoxious and condescending in his attitude and response. He insisted the dealership should have told me the car would be classified as " repossessed. " I told him that not once in the entire process did anyone ever disclose, suggest, or warn that turning in the car it would be considered as repossession and that on multiple occasions I was told the pay-off would be in the $5000.00 to $6200.00 range. - then asked why I had n't made a final lump sum payment the day I turned in the vehicle. I replied I was instructed by the dealership to wait for a certified letter. - declared that Nissan did n't want the car back and that I owed them $19000.00. I asked if there was someone else I could talk to and he told me to talk to the credit bureaus and to my attorney. I tried to contact the General Manager of - Nissan but he never returned my phone call. I followed all the steps I was instructed to follow but now in -/-/-, I have no resolution in this matter except for a document that says we owe $19000.00 and a FICO score that has dropped from - to in the low - 's. I ask that the dealership and Nissan be investigated for unintentional negligence because they misled, misrepresented, or concealed material facts pertinent to the surrender of my leased vehicle. They failed to warn me of any negative circumstances or damage to my credit as a result of returning the vehicle. For constructive fraud because they were careless and negligent in misrepresenting, concealing, and making false statements regarding the status of my surrender of the leased vehicle. They " lost '' the vehicle, then " found '' it and subsequently classified my return as a repossession is an attempt to cover up their own mismanagement of the return. And for actual fraud due to intentional concealment of material facts, false statements, and deceit with regard to the status of my voluntary surrender of the leased vehicle. The damage done to my credit rating and the insistence of payment of $19000.00 for a vehicle that I no longer have in my possession or access to is tantamount to extortion and blackmail. I was told on several occasions by the dealership that the pay-off amount would be between $5000.00 and $6200.00 depending on when I returned the vehicle. I am willing and prepared to pay the remaining balance due on the lease.