I was 1 day past due date and customer service answers the call with "this is an attempt to collect a debt" My bank's bill pay had not reached NMAC as of yet. I am paying it it off.

Terrible from start to finish.

I’ve called 4 times, and each time an inept CS Rep couldn’t help or said their title dept would help. I paid off a loan 5 years ago and they never completely released the loan. I was able to get my title but can’t sell because the loan still shows. I’ve asked 4 times after holding for 30-40 min to get a copy of the lien release and they won’t send it. I’m now trying to buy a Nissan from a private seller but can’t because it looks like they have the same problem.

If I could give zero stars, I would. My experience with Nissan has been beyond appalling. I recently purchased a brand-new Kicks, and my first payment is due tomorrow—Thanksgiving. I tried to make the payment today using the Nissan app, only to receive an error message: "We're sorry, an error occurred that caused your transaction to be unsuccessful. Please try again." I then attempted to pay through the website, which greeted me with the same error. Frustrated, I called customer service, where my ordeal truly began. The first representative, a man named Robert, rudely demanded my full Social Security number. I declined to provide it over a recorded line, especially one that was clearly outsourced, but I had my account number and VIN readily available. After an unnecessary back-and-forth, during which I had to repeatedly insist on alternative verification methods, he begrudgingly confirmed my identity using the information I initially offered. But the nightmare didn't end there. I was informed that if I wanted to make my payment over the phone, I would be charged a service fee—a fee I find utterly unacceptable, given that Nissan's own systems were down. Despite my explanation of the situation, Robert rudely interrupted me several times, dismissively suggesting I "try the app later or tomorrow" and see if it works then. When I escalated my concerns, I spoke with two more representatives, including someone who claimed to be a supervisor. Both were equally unhelpful and cut me off repeatedly. When I asked what would happen if the app was still broken tomorrow, I was told I could call back—on Thanksgiving. This was said with zero acknowledgment of how unreasonable it is to expect a customer to spend their holiday chasing down a basic service that Nissan should already have in place. At the end of an hour-long ordeal, I was left with no resolution: my bill remains unpaid, the app and website are still dysfunctional, and I’ve endured appallingly dismissive attitudes from every person I spoke with. This is not customer service—this is customer disregard. I will be exploring refinancing options with another bank because I refuse to be subjected to such a lack of accountability and respect. Nor do I want Nissan benefitting from any interest that could be accrued over the length of my financing agreement—especially when they’ve already demonstrated such blatant disregard for their customers. Shame on you, Nissan, for treating your customers this way.

I’ve been with Nissan since 2016 and I will never purchase other car for Nissan

This finance company is absolute crap! Do not do business with them especially if you are a Maryland resident. I was locked out of my account for a returned payment so I’m unable to be up to date on my due dates and any needed account information needed or to make a payment. I’ve also found that if you’re a Maryland resident you are not granted the option to pay over the phone with a debit card, you must make a payment by check or MoneyGram which charges a $14.99 fee to submit payment. Financing with this company is an absolute nightmare. If you can avoid them like the plague save yourself the headache.

NMAC is stressful. The callers speak broken English. And when you confront about their mistakes and give them proof about your payments, they still try to get you to go through so many loops to get you to pay more money. One guy even tried to get me to pay six times the amount that I usually pay for my car payment. Just go through the paymentus website that’s on the Nissan finance website. Yeah it’s a 3.90 fee but it saves you so much stress by not going through the ridiculous process over the phone.

Absolute idiots. Stay away from Nissan and Nissan Motor Acceptance Corporation. They could not help me with a simple inquiry that I had but instead, insisted that I jump through hoops in order to be able to even ask my question. Terrible company. Moronic employees. When someone says to you “that’s just our policy”, that means they have zero brain cells and cannot think for themselves at all. Do not do any business with Nissan. You’ve been warned.

Incompetent finance department-no direct line to speak to them either. They send you in a circle with unqualified reps to handle the problem. No supervisors call you back. Waiting 7 months for a refund check. Unacceptable!!!! I sent in a refi check. NMAC failed to endorse the check. All they needed to do is sign and resubmit to the bank. It was an overpayment so they needed to issue a refund for the overpayment. 7 months later and I still have no reimbursement check. Hours on hold re-explaining the same scenario to different reps, no one knows what's going on or how to handle. Now they say they're sending the check but there needs to be a 21 day hold. Unacceptable. You've had my money over 7 months.

First of all this company is a scam. They locked my account because I had ONE payment get returned to my bank. I don’t even think they are allowed to do that. I couldn’t get a whole of any of my loan information. I had to pay over the phone and they don’t email a receipt or confirmation number I had to write all of the confirmation numbers down. Second they told me I owed a different amount on my los. Every time I paid it. I’m pretty sure they took more then what the loan even was. I wouldn’t go back to these people and I will be telling everybody this place is a scam and not worth it. I hope you have luck with your business closing maybe you should do a better job though and people would appreciate you more. Oh and the phone service you should really get people that have experience so they can ACTUALLY help.