Nissan Motor Acceptance Corporation Consumer Loan Complaint

Nissan Motor Acceptance Corporation Consumer Loan department,

Vehicle lease Managing the loan or lease Pennsylvania

Nissan Motor Acceptance Corporation ( " NMAC '' ) incorrectly reported a 30-day late payment to Experian credit reporting agency for -/-/2015. This error of late payment is reflected on my credit report and has unjustly affected my " Fico Score - '' credit score. Upon learning about this incorrect reporting, I spoke with - NMAC Representatives ( - and her supervisor - ) on Thursday, - -, 2015. Both representatives referenced the account and insisted that the payment was received 30 days late. This is not correct. The payment was due - -, 2015 - the payment was received by NMAC on - -, 2015 as evidenced by the attached screenshot from my online account with them. ( If needed, I can also supply my bank statement record evidencing - -, 2015 as the date the amount was debited from my account. ) - -, 2015 was within 30 days of the due date of - -, 2015 but NMAC is reporting it as 30+ days late on my credit report - this credit reporting practice is not in accordance with the Fair Credit Reporting Act ( FCRA ). Accordingly, I am requesting that the matter be corrected by


In addition to the debit from my account having occurred on - -, I would also like it to be noted that a technical error by NMAC was the only reason the payment was made on - - instead of the original due date of - -. NMAC regularly has " technical difficulties '' with their phone and online payment systems. Ironically, I experienced technical difficulties when attempting to contact customer service in regard to this very dispute on - -, 2015 - I tried to reach NMAC at least a dozen times on - -, 2015 via telephone and each time was placed on hold for a few moments before being informed of " technical difficulties '' and then being automatically disconnected - I was not able to reach anyone at NMAC until the following day. The more important technical difficulty here, however, occurred on - -, 2015. When I made my lease payment on - -, 2015 I did so over the phone and thought it was taken care of. After making the payment I was not given any notice of error through the phone system, nor did I receive any calls, emails, or written correspondence in the days following it to alert me of this allegedly missed payment. It was not until - -, 2015 when I logged into my NMAC account online to make my -, 2015 payment that I saw the -/-/- phone payment had not been received. I immediately corrected the problem - - -, 2015 was when the payment was made. I have evidenced this with the attached screen shot from NMAC 's own records. This payment on - -, 2015 was within the 30 day period of the - -, 2015 due date - to report it as 30+ days late on my credit report is incorrect, unjust, and a bad business practice in violation of the Fair Credit Reporting Act. I respectfully request that you contact - ( and any other credit agency to which you regularly report ) and correct it immediately and send me written correspondence confirming that said action has been taken.