Total CFPB complaints
618
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 618 complaints
NISSAN MOTOR ACCEPTANCE COMPANY LLC — Debt Collector Complaint Profile
CFPB complaint profile across 41 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about NISSAN MOTOR ACCEPTANCE COMPANY LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
217 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
102 complaints
- Written notification about debt 81
Written notification about debt
81 complaints
- False statements or representation 76
False statements or representation
76 complaints
- Communication tactics 36
Communication tactics
36 complaints
D
Grade D · 59.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about NISSAN MOTOR ACCEPTANCE COMPANY LLC?
NISSAN MOTOR ACCEPTANCE COMPANY LLC has accumulated 618 total CFPB complaints across 41 states, with 159 filed in the most recent 12 months against 459 historical complaints before that window. The trailing-12-month volume represents 25.7% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 9% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 41 states, led by Texas with 87 and California with 76, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.0/100 places NISSAN MOTOR ACCEPTANCE COMPANY LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
159
25.7% of total history
Rising ↑
States active
41
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
9%
After company response
Reputation grade
D
59.0/100 composite
Response-quality profile
How NISSAN MOTOR ACCEPTANCE COMPANY LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 18.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 73.2%
Share of US states + territories with at least one filed complaint against this collector.
How does NISSAN MOTOR ACCEPTANCE COMPANY LLC compare to its peers?
NISSAN MOTOR ACCEPTANC… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed217 (%)
Took or threatened to take negative or legal action102 (%)
False statements or representation76 (%)
Written notification about debt81 (%)
Communication tactics36 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 100 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 88 |
| False statements or representation | Attempted to collect wrong amount | 76 |
| Written notification about debt | Didn't receive enough information to verify debt | 64 |
| Attempts to collect debt not owed | Debt was paid | 49 |
| Attempts to collect debt not owed | Debt was result of identity theft | 48 |
| Communication tactics | Frequent or repeated calls | 36 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 20 |
| Written notification about debt | Didn't receive notice of right to dispute | 17 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 14 |
Where do complaints against NISSAN MOTOR ACCEPTANCE COMPANY LLC come from?
The states where consumers have filed the most CFPB complaints against NISSAN MOTOR ACCEPTANCE COMPANY LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against NISSAN MOTOR ACCEPTANCE COMPANY LLC
Across 41 states with at least one filing
- Texas
Texas
87 complaints
- California
California
76 complaints
- Georgia
Georgia
60 complaints
- Florida
Florida
47 complaints
- New York
New York
44 complaints
- Illinois 27
Illinois
27 complaints
- Virginia 24
Virginia
24 complaints
- New Jersey 22
New Jersey
22 complaints
Frequently Asked Questions
What is the most common complaint against NISSAN MOTOR ACCEPTANCE COMPANY LLC? ▼
The most common issue consumers report about NISSAN MOTOR ACCEPTANCE COMPANY LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 618 complaints filed with the CFPB.
Are complaints against NISSAN MOTOR ACCEPTANCE COMPANY LLC increasing or decreasing? ▼
Complaints against NISSAN MOTOR ACCEPTANCE COMPANY LLC are rising. The company received 159 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is NISSAN MOTOR ACCEPTANCE COMPANY LLC's reputation grade? ▼
NISSAN MOTOR ACCEPTANCE COMPANY LLC has a reputation grade of D (score: 59.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does NISSAN MOTOR ACCEPTANCE COMPANY LLC respond to consumer complaints? ▼
NISSAN MOTOR ACCEPTANCE COMPANY LLC has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 9% of cases.
In how many states does NISSAN MOTOR ACCEPTANCE COMPANY LLC operate? ▼
NISSAN MOTOR ACCEPTANCE COMPANY LLC has received CFPB complaints from consumers in 41 states, with the most complaints from Texas (87 complaints).
What can I do if NISSAN MOTOR ACCEPTANCE COMPANY LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If NISSAN MOTOR ACCEPTANCE COMPANY LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |