Volvo Car Financial Services U.S., LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/06/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	CT 060XX	Web
On XX/XX/XXXX, I entered into a 30 month lease with Volvo Car Financials Services ( hereinafter Volvo ), which was scheduled to end on XX/XX/XXXX. The lease indicated that a Vehicle Turn-in Fee of {$350.00} would apply and a {$500.00} refundable security deposit was paid. I was responsible for state properly taxes. The State of Connecticut taxes vehicles based upon the vehicle being on an XX/XX/XXXX Grand List ( assessed at 70 % of average retail value ), and for vehicles registered in XXXX, I would owe 25 % of the amount due ( or 3 months ). Volvo initially charged me for {$180.00} and {$710.00} in property taxes the first amount presumably 25 % of {$750.00} for property tax from XX/XX/XXXX through XX/XX/XXXX, and the second amount for property tax from XX/XX/XXXX through XX/XX/XXXX. In a Lease Invoice dated XX/XX/XXXX, Volvo charged me for {$590.00}. As such, as of XXXX of XXXX, I had paid 27 months of property tax on the vehicle. In late XXXX of XXXX, Volvo requested that I have an " independent inspector, '' supplied by Volvo, inspect the vehicle for " excess wear & tear. '' I subsequently received a report indicating that {$390.00} was being estimated for excess wear & tear. These were for a variety of scratches that were so small that I needed the inspector to specifically point them out to me otherwise they were not readily noticeable. Moreover, when I took the vehicle into my local auto body shop, the estimator also had trouble identifying the scratches and was shocked that Volvo was stating that these were " excess wear & tear. '' While agreeing with the estimator that these scratches were insignificant, I ended upon spending {$120.00} on XX/XX/XXXX, to address these scratches. In my Lease Invoice as of XX/XX/XXXX, all 30 lease payments were indicated as being paid, and I had {$0.00} amount due. On XX/XX/XXXX, I returned the vehicle to the dealer. On XX/XX/XXXX, I received a Lease Termination Invoice from Volvo. This Invoice indicated that I owed {$350.00} for a Disposition Fee ( not disputed ) and {$390.00} for Excess Wear and Use ( disputed ) and {$47.00} tax on the two ( disputed because it was based upon a disputed amount ). Additionally, the statement indicated that I owed {$590.00} for " Actual and/or Estimated Property Tax '' ( disputed ) and that I had a credit of {$500.00}, which was my initial deposit. In at least one phone call with Volvo 's representatives, I disputed both the charge for Excess Wear and Use and also for the Property Taxes. I had already spent money to address the scratches prior to the turning in of the vehicle. Additionally, I disputed the Property Tax amount for two separate reasons. First, the {$590.00} was the amount from the previous year, and the actual assessment amount ( not known until XXXX of XXXX ) would naturally be lower because the vehicle depreciates in value from year to year. Thus, the actual amount should have been lower. Second, I only had the car for 3 additional months since the last time I paid property tax ( as noted above, I already had paid 27 months of property tax for a 30 month lease ). As such, I should have only had to pay an additional 3 months of property tax not 12 months. Based upon my conversation with Volvo 's representative, I did not believe Volvo was going to adequately address my concerns, I wrote a letter dated XX/XX/XXXX, in which I indicated that I disputed the amounts owed. At the same time, I wrote a check to Volvo for {$220.00} in full satisfaction of the amount owed. This checked was cashed by Volvo on XX/XX/XXXX. On XX/XX/XXXX, I received another Lease Termination Invoice in which the Estimated Property Tax was reduced from the prior {$590.00} to {$520.00}. Also, my check of {$220.00} and my {$500.00} security deposit were credited to arrive at a balance of {$600.00}. However, Volvo continued to charge me for 12 months of property taxes instead of 3 months. Assuming that the {$520.00} ( reduced ) amount is correct, I should have only been charged ( {$520.00} x 25 % ) or {$130.00}, which means, at the very least, that the amount due should have been {$200.00}. Considering that I had already spent {$120.00} to repair the vehicle, the difference between what I should have owed and what I already paid was negligible. As such, my settlement offer of {$220.00} ( in addition to the {$500.00} security deposit ) was reasonable. The Uniform Commercial Code ( UCC ) is a comprehensive set of laws governing commercial transactions in the United States. The Lease document does not indicate the choice of law governing the particular lease. As such, I am assuming that the Lease is to be construed under Connecticut law or Alabama law. Identical versions of UCC 3-311 are found in both Connecticut law and Alabama law, a portion of which is reproduced below : ( a ) If a person against whom a claim is asserted proves that ( i ) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( iii ) the claimant obtained payment of the instrument, the following subsections apply. ( b ) Unless subsection ( c ) applies, the claim is discharged if the person against whom the claim is asserted proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of the claim. ( emphasis added ) I met all the requirements of subsection ( a ), which is that ( i ) I tendered a check to Volvo in full satisfaction of the claim, ( ii ) I had a bona fide dispute with Volvo over the amount, and ( iii ) Volvo obtained payment of the check. Referring to subsection ( b ), the " claim is discharged '' upon a conspicuous statement that the instrument was tendered as full satisfaction. This statement was contained in both the letter I sent to Volvo and the check. Therefore, under UCC 3-311, Volvo does not have a claim against me for any amount. Therefore, all indications of the charge off amount of {$600.00} with Volvo should be removed from my credit report. I eventually leased another vehicle ( from a different manufacturer ) immediately after returning the vehicle. However, I believe Volvo intentionally used these lease-end " up charges '' in an attempt to coerce me into signing another lease with them since the Volvo dealership repeatedly indicated to me that they would remove those charges if I signed another lease. Additionally, throughout the time period at issue I received numerous solicitations from Volvo. Also, they appear to have used the third party inspector as " cover '' ( i.e., to be the bad guy ) in order to insulate their dealership from their consumer 's anger over the inflated excess wear and tear charges. Additionally, Volvo appears to have intentionally overcharged me ( and likely others ) on property taxes relying upon consumer ignorance to not double check Volvo 's figures. Currently, my credit scores have taken a substantial hit because of Volvo 's misrepresentation of my credit history. I paid everything that was rightfully owed to Volvo, and with regard to the items that were disputed, Volvo took my check in full satisfaction of these debts. Based upon the law, Volvo has no legitimate basis by which to report unpaid amounts ( i.e., charge offs ) to my credit history.
05/31/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	NY 117XX	Web	Older American, Servicemember
My wife was a victim of identity theft some time in XX/XX/XXXX. When it was discovered at the end of XXXX, all bank accounts, credit cards, etc. had to be changed. Volvo Car Financial, like all of our creditors was advised about the theft. I have verified with XXXX that considering the theft, Volvo was supplied all its payments in a very timely manner and can supply those records. Volvo Car Financial, on the other hand, is being VERY unreasonable. Not only did they report our payment 30 days late, which was made on XX/XX/XXXX by autopay, due XX/XX/XXXX, proving that we had NO intention to stiff VCF as our stellar record shows, but they swindled us out of {$480.00}, an extra payment that they insisted we pay and now refuse to return. This is what happened : As anyone who has been a victim of identity theft knows, one only becomes aware of it over time and correcting it takes months, if not longer. Phone messages started coming in about our 'request ' to open credit cards, phone service, etc- things that could have easily been mistaken for advertisement ploys. It was only when actual bills came in the mail at the end of XXXX that we realized our identity was stolen. The thief began his spending spree early XXXX. We went to our bank, XXXX, on XX/XX/XXXX to close our account, worried that the thief would try to steal our funds, as he had already ordered a XXXX XXXX card. We called VCF to alert them, as we did ALL of the other banks and corporations that we do business with. All the other businesses assured us that they would NOT victimize us TWICE by reporting any late payments while we straightened everything out, especially our autopays. Since our VCF autopay of {$480.00} was posted on XX/XX/XXXX, we thought the bank transfer was safe, because we changed our XXXX Checking account on XX/XX/XXXX. We did not realize that the electronic payment had somehow been cancelled. As soon as we were notified by XXXX that the payment did not go through, at least a week later, I called VCF, explained what happened, and paid {$480.00} over the phone on XX/XX/XXXX, posted XX/XX/XXXX to cover the returned XXXX payment. XXXX was then changed to our new bank account and on XX/XX/XXXX Volvo received {$480.00}. On XX/XX/XXXX, Volvo received {$480.00} for the monthly payment. I received an email stating that we owed VCF {$980.00}. I called VCF because I did not agree, but paid them {$960.00}, refusing to pay the delinquent fee they imposed. This payment was made on XX/XX/XXXX. The reason I agreed to pay them was actually because we became aware that they had reported us as having a late payment which dropped our credit rating XXXX points from Exceptional to Fair. I wanted to err on the side of providing them MORE money rather than less, erroneously believing that straightening this out subsequently would be fairly easy and quick. We were also turning in our leased XXXX XXXX on XX/XX/XXXX and leasing a XXXX XXXX. We did not want to jeopardize this transaction. On XX/XX/XXXX, I called VCF to ask about our request that they remove our late payment, considering that they had more money than we owed them. I also asked them to return the extra payment of {$480.00} that they had because we were leasing a another car from XXXX Volvo on XX/XX/XXXX and we were getting the run around from the dealership and Volvo Car Financial as to who would refund our overpayment. Each pointed the finger at the other. We didn't know if they would just apply it to our new lease payments. Speaking with the Volvo Car Financial Rep after we leased our XXXX XXXX, we were told that Volvo Car Financial and XXXX Volvo were two separate entities that have no financial relationship or obligation to each other. To a layman outside of the Car Selling industry this seems odd. We also told the VCF Rep that the Business Manager at XXXX Volvo called Volvo Car Financial to ask that they remove the late payment from our credit report considering the ramifications of our identity theft and that we had been doing business with VCF for decades and never missed a payment by purposefully setting up autopay. The Service Rep at VCF said that was not possible since the XXXXe Dealership manager could not take it upon herself to call without the customer 's permission. We were actually standing right next to the Business Manager when she called VCF upon our request. So yes, she did call with our permission. Insofar as returning the extra {$480.00} held by VCF, this Service Rep told us that we would have had to ask them for a return of the money BEFORE ending the lease and leasing a new vehicle. THAT is exactly what we did on XX/XX/XXXX and were told that it wasn't up to VCF to return the money, it was up to the dealership. Turns out that this is NOT true. So yes, we asked for the return of our money BEFORE the lease ended and got no where. In the interest of fairness and justice, we asked VCF to remove the 'late payment ' status considering the extenuating circumstances. We also filed a dispute with XXXX, whose Rep told us that it was up to VCF to correct it and do the right thing. Their hands were tied and that algorithms would determine our credit score based on VCF 's decision to do right by us or not. This will impact our borrowing of money, the cost of borrowing money etc. for 7 years. Considering that we are elderly, who knows where we will be in 7 years. But that is NOT the point. This is a matter of FAIRNESS. NO ONE should be victimized TWICE because a criminal wanted to steal all of our money and then, because VCF did not have the wherewithal to realize that and NOT jump the XXXX reporting a late payment without any warning, without communicating with us, AND keeping a LOT of our money that they just STOLE from us without any justification. Our bank transactions with VFC are as follows and can be supplied upon the asking. Our Auto Bill Pay was approximately on the XXXX of each month : VCFS Lease {$480.00} Transacted XX/XX/XXXX, Posted XX/XX/XXXX XXXX Closing of Checking Acct : XXXX opening New Checking Account XX/XX/XXXX Over the Phone, VCFS XXXX Immediate Bill Pay {$480.00} XX/XX/XXXX VCFS {$480.00} Transacted & Posted XX/XX/XXXX VCFS {$480.00} Transacted & Posted XX/XX/XXXX VCFS {$960.00} Transacted & Posted XX/XX/XXXX XX/XX/XXXX Request return of extra payment XX/XX/XXXX pending termination of lease of XXXX XXXX Returned XXXX autopay ended for this vehicle We sincerely hope that this is straightened out to our satisfaction. Thank you for your kind consideration.
07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75206	Web	Servicemember
Under UCC 4A discharge automatically takes place by law with no notice of dishonor properly given and the instrument not being returned. Payment is the discharge of an obligation by the actual delivery of money or its equivalent. XXXX XXXX XXXX v. XXXX XXXX. XXXX, CA. XXXX, XXXX. 350 F.2d652, 383 US 906. When an instrument is dishonored, notice of that fact must be given -- -- ..Otherwise they are discharged. P. 17 Law of Negotiable Instruments, XXXX XXXX XXXX XXXX. NOTICE OF DISHONOR UCC 3-503 ( a ) The obligation of an indorser stated in Section 3-415 ( a ) and the obligation of a drawer stated in Section 3-414 ( d ) may not be enforced unless ( i ) the indorser or drawer is given notice of dishonor of the instrument complying with this section or ( ii ) notice of dishonor is excused under Section 3-504 ( b ). ( b ) Notice of dishonor may be given by any person, may be given by any commercially reasonable means, including an oral, written, or electronic communication, and is sufficient if it reasonably identifies the instrument, and indicates that the instrument has been dishonored, or has not been paid or accepted. Return of an instrument given to a bank for collection is sufficient notice of dishonor. COURT CASES To be valid, offer of payment does not need to include express statement that debtor has funds necessary to make payment. XXXX v. XXXX, XXXX Or XXXX, XXXX XXXX XXXX ( XXXX ) If creditor is silent in response to offer, creditor does not accept offer. XXXX v. XXXX, XXXX Or 638, 247 P3d 1223 ( 2011 ) A tender of the proper amount due, even if rejected, extinguishes the lien and precludes foreclosure ( XXXX, XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, Lich tv XXXX XXXX, XXXX, XXXX XXXX. App XXXX XXXX, XXXX ; see also XXXX XXXX. XXXX. SS XXXX. ) In XXXX the court held that a tender of the principal amount without interest was sufficient because the note was usurious and the creditor was not entitled to receive interest. See also : ( UCC 3-304 ( c ). MY CREDIT REPORT FROM THIS COMPANY IS INACCURATE AND NEEDS TO BE CORRECTED. *. UCC 3-311. ACCORDAND SATISFACTION BY USE OF INSTRUMENT ( a ) If a person against whom a claim is asserted proves that ( i ) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( iii ) the claimant obtained payment of the instrument, the following subsection apply. ( b ) Unless subsection ( c ) applies, the claim is discharged if the person against whom the claim is asserted proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of the claim. ( c ) Subject to subsection ( d ), a claim is not discharged under the subsection ( b ) if either of the following applies : ( 1 ) The claimant, if an organization, proves that ( i ) within a reasonable time before the tender, the claimant sent a conspicuous statement to the person against whom the claim is asserted that communications concerning disputed debts, including an instrument tendered as full satisfaction of a debt, are to be sent to a designated person, office, or place, and ( ii ) the instrument or accompanying communication was not received by the designated person, office, or place. ( 2 ) The claimant, whether or not an organization, proves that within 90 days after payment of the instrument the claimant tendered repayment of the amount of the instrument to the person against whom the claim is asserted. This paragraph does not apply if the claimant is an organization that sent a statement complying with paragraph ( 1 ) ( i ). ( d ) A claim is discharged if the person against whom the claim is asserted proves that within a reasonable time before collection of the instrument was initiated, the claimant, or an agent of the claimant having direct responsibility with respect to the disputed obligation, knew that the instrument was tendered in full satisfaction of the claim. Any coupon/valuables presented by the presenter is backed by the full faith and credit of the United States of America , is legal tender for all obligations associated with this matter. Declaration of valuables : It is determined that replacements, in accordance with the procedure established under section 3 of the Government Losses in Shipment Act ( 50 Stat. 479, as amended ; 5 U.S.C. 134b ), of the articles or things or representatives of value enumerated and referred to in this section would be in the public interest, accordingly, they are hereby declared to be valuables within the meaning of the act. b ) Securities, and other instruments or documents, private and public, abstracts of title, assignments, bill, bonds, certificates of deposit, certificates of indebtedness, checks, drafts and money orders, coupons, debentures, deeds, equipment trust certificates, mortgages, notes, stamps, including postage, revenue, license, food orders and public debt, stamped envelopes and postal cards, stock certificates, trust receipts, voting trust receipts, warehouse receipts, warrants. Oregon Statute 81.010 Effect of unaccepted offer in writing to pay or deliver An offer in writing to pay a particular sum of money or to deliver a written instrument or specific personal property is, if not accepted, equivalent to the actual production and tender of the money, instrument or property. *15 USC Sec . 1693 ( a ) ( e ) ( f ) Treble damages applicable against the Bank for not crediting the account timely within 10 business days after protest of error of an omissions of an electronic funds transfer credit to his account.
01/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60628	Web
Consumer and VCFS LIEN COMPANY, LLC, VCFS AUTO LEASING COMPANY AND THEIR OFFICERS ( hereinafter collectively referred to as Volvo ) entered into a vehicle lease agreement on XX/XX/XXXX. This lease agreement provided for a monthly lease amount of {$650.00} and upfront state sales/use taxes to the State of New Jersey in the amount of XXXX. The Consumer made timely payments every month since the lease date, except for the month in-question XX/XX/XXXX due to a discrepancy in monthly charges of which Volvo was immediately made aware. On XX/XX/XXXX, the Consumer relocated to XXXX, XXXX from XXXX, XXXX and in light of this move, a Volvo representative informed the Consumer that she was required to pay an additional {$450.00} in local taxes. The representative was not clear as to whether the additional tax was for the City of XXXX, the County of XXXX, and/or the State of XXXX. Nonetheless, the Consumer paid the additional {$450.00} over the phone on XX/XX/XXXX. Later, the Consumer received a letter in the mail dated XX/XX/XXXX from Volvo that her new monthly cost would increase to {$710.00} from {$650.00}. The letter failed to make clear as to whether this additional cost was for taxes, or some other fees and instead ambiguously stated that the increase may be due to a change in your sales/use tax. When the Consumer inquired about this letter on XX/XX/XXXX via a phone call to Volvo customer service, she was informed by a Volvo representative that it was due to an increase in taxes. The Consumer, believing the letter was written in error, then informed the representative that she had already paid the additional taxes back on XX/XX/XXXX in the amount of {$450.00}. The representative responded by saying that the additional monthly charge was due to other taxes, but did not state what these other taxes were such as whether this additional tax was for city , county, and/or state tax, or verify the tax rate and the accurate tax amount per this rate. Volvo is in a much better position to ascertain the tax rate and amount of taxes than is the Consumer since Volvo is the owner of the vehicle, is in direct communication with the appropriate governing body, and receives the tax bills. Over the next month and a half, the Consumer inquired about these supposed additional taxes and each time she was given a different answer as to which jurisdiction the taxes are owed or to even how much the total amount of taxes are actually owed. Furthermore, the Consumer was not provided a financial statement of any additional charges with the appropriate breakdowns or itemization as required by law, such as tax rate and to which jurisdiction taxes were owed. Not only is an itemized financial statement required by law, it would have been helpful to the Consumer for ascertaining the appropriate charges owed. On XX/XX/XXXX, the Consumer received an alert from XXXX credit bureau agency that Volvo reported a 30-day delinquency notice regarding a late payment in XX/XX/XXXX despite the fact that there had been constant communication between the Consumer and Volvo since XX/XX/XXXX regarding the discrepancy in the increase in monthly charges. Although on XX/XX/XXXX, the Consumer was promised by a Volvo representative that Volvo would provide an accurate financial statement itemizing all costs, including the appropriate taxes, within 48 hours via facsimile, Volvo never did such thing. To no avail, the Consumer attempted to resolve this matter amicably via 19 different phone conversations with a number of customer service representatives over a two-month period, including Customer Care Manager Ms. XXXX XXXX and her staff member XXXX XXXX. Despite these numerous phone calls and proof that Volvo failed to provide Ms. XXXX with an accurate financial statement detailing the appropriate charges above and beyond what was contracted for, Volvo failed to provide such statement and refused to remove the erroneous reporting of a 30-day delinquent notice that was reported to XXXX in violation of the Federal Fair Debt Collection Act, Federal Consumer Leasing Act Disclosures, Federal Trade Consumer Act, XXXX XXXX Consumer Fraud Act, XXXX Consumer Protection Leasing Act, and XXXX Breach of Contract laws.
07/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92173	Web
Dear Volvp : I am contacting you regarding 30-day derogatory marks that appear on my three credit bureaus reported by Volvo XX/XX/2020. I dispute these and demand a full removal of the 30- day late mark based on the enacted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illegal ) such a derogatory mark, subject to its terms. The purpose of this letter is to ask that the derogatory mark immediately be reported as current to the three major credit reporting agencies, XXXX, XXXX, and XXXX XXXX so that this matter be resolved amicably and without any court intervention. I thank you for your anticipated cooperation. Prior to the missed payments I attempted to contact Volvo regarding my charge card payments, albeit unsuccessfully due to hold times several hours long. My income has been temporarily negatively impacted by the COVID-19 outbreak, I have experienced severe financial hardship as a result of the economic standstill that our country is going through. Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XX/XX/2020. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. More specifically, Section 4021 ( F ) titled Reporting Information During COVID-19 Pandemic ( the Act ) states : if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ... It is important to note that accommodation is defined broadly in the Act and encompasses any consumer who is affected by the coronavirus pandemic during the covered period. ..if the credit obligation or account was delinquent before the accommodation ..if the consumer brings the credit obligation or account current during the period described in ( aa ), report the credit obligation or account as current. The term covered period means the period beginning on XX/XX/2020 and ending.. 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on XX/XX/2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. Here, it is clear that my missed payments comes within the scope of the CARES Act ( and specifically Section 4021 ) because : 1 ) the industry that I work in has been eviscerated by COVID-19, who has experienced significant financial hardship ; 2 ) the Missed Payment was within covered period ; 3 ) the Missed Payment was delinquent when it was reported to the credit reporting agencies ; and 4 ) I paid the account and brought it to current by XX/XX/2020. Due to the above, such unauthorized reporting on my credit reports has caused and will continue to cause substantial damages. Doing so constitutes a clear violation of the CARES Act which was designed to assist consumers during these unprecedented economic times, not punish them. In addition, violation of the CARES Act also constitutes a violation of Cal. Bus & Prof. Code 17200, et seq. Volvos actions are clearly unlawful ( the CARES Act ) and unfair ( downturn in the economy ). As you may be aware, Cal. Bus & Prof. Code 17206 permits penalties of up to {$2500.00} per violation ( which in our view, is each day that the derogatory mark appears on my clients account, multiplied by three for the three credit reporting agencies ) plus the recovery of all costs and fees. In fact,. I was recently denied a loan due to his credit score being slightly below the minimum requirement for the lender a difference that can be specifically attributed Volvos derogatory mark!
11/26/2018	Yes	Vehicle loan or lease Lease	Getting a loan or lease Changes in terms mid-deal or after closing	NH 032XX	Web
In XX/XX/XXXX, I was approved for the lease on a new XX/XX/XXXX XXXX XXXX. I made a special order for the vehicle and waited nearly two months for the vehicle to be delivered. Before delivery, the lease was approved for a second time. I took delivery of the vehicle in the end of XX/XX/XXXX. I have now had the vehicle for several weeks and during this time I have been harassed and threatened by Volvo Financial. I received a phone call from Volvo Financial after having the vehicle for one week, they proceeded to interrogate me about my income, the vehicles I traded in, who this vehicle was for, etc. The questions were strange, as this vehicle is for myself. I have evidence to back up my income and they questioned it as if they do not believe me. I have provided them with bank statements, pay stubs, tax returns, and my contract of employment, yet they refuse to accept any of this, after the fact that the vehicle has been approved and Ive had it for several weeks and put a {$5000.00} deposit down on the vehicle. The dealership I purchased the vehicle from has been advocating on my part with Volvo yet it has not made a difference, Volvo told the people at the dealership to remind me that the vehicle is not mine. I entered into a contract with Volvo and am relying on this vehicle for transportation in order to get to my job. They are threatening my ability to keep my job, which is 60 miles from my house. I make nearly {$250000.00} per year and this vehicle is well within my means. The payment on this vehicle is less than the two vehicles it replaces. I have been unjustly questioned, harassed, and discriminated against. I have been put through a very unusual level of scrutiny. The implication, however tacit, is that I am somehow lying and I have falsified my income and my pay stubs, bank statements, etc. Volvos refusal to believe me can only be attributed to the fact that I am a high earning woman and they do not believe this. I would like to know how many men Volvo has put through a similar level of scrutiny. Their business practices and the way they have treated a paying customer is absolutely appalling. I have never undergone such harassment from any company when buying a product. I have owned XXXX, a XXXX, a XXXX, an XXXX, etc, and I have never been treated in such an unacceptable manner. It would seem as though that a woman who makes {$250000.00} per year is not good enough for Volvo. If only I were a lesser earning man, perhaps that would be more believable for Volvo. Volvo should be ashamed and embarrassed of their discriminatory business practices. I have more than enough income to make the monthly lease payment of this vehicle, but it is becoming increasingly clear that it is not a matter of having the money or not, they seem to be singling me out and do not want me to have this vehicle. I have had this vehicle for several weeks now and Volvo has not let up with their demands and threats. This has been an emotionally traumatic experience that no person should be subjected to. They are unjustly threatening to take a vehicle away from me that is my only means of transportation, thus putting my {$250000.00} per year job at risk. I will not tolerate this. Volvo approved this lease not once but twice and I will not suffer any consequences due to negative actions against me on the part of Volvo. Volvo has the power to ruin me financially by taking this vehicle away from me. I am trusting Volvo for the duration of this lease to have transportation and they are abusing that trust and putting me in a precarious position. Volvo is not a company that can be trusted. Their irresponsible and discriminatory behavior must be dealt with. This is further putting my safety at risk because I do not even know if I can put snow tires on the vehicle or not, which I ordered, so I am being forced to drive around in unsafe conditions due to the winter weather in XXXX XXXX already.
01/30/2019	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	TX 77459	Web
We are requesting assistance resolving a problem with XXXX XXXX XXXX XXXX and Volvo Financial Services. We leased a XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX XXXX XXXX. We signed all documents in their office, located at XXXX XXXX XXXX XXXX, XXXX WA XXXX. The next day we were informed by XXXX, the Finance Manager that XXXX XXXX needed to provide a copy of a Washington State Drivers License before the deal would fund. He asked about the license during the closing the day prior ; we explained that he did not have one. XXXX originally replied that it should not be a problem. Then, later on in the day on XX/XX/XXXX, we were told that everything was fine. However, a few days later we received a call that they actually required a copy of the license. As the State of Washington was updating computer systems and XXXX was travelling, we could not supply the license right away. When XXXX received the license, he immediately provided a copy to XXXX XXXX XXXX XXXX. We called Volvo Financial when the first lease payment was due and was told that we did not have an account and that Volvo Financial would not accept payments from us. We called the local office of XXXX XXXX and were told that we should make payments to them until the lease funds and that they would forward our payments to Volvo Financial. We made payments of {$1000.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and two on XX/XX/XXXX. We received notifications from credit bureaus that we were being reported as 30 days late by Volvo Financial around the second week of XXXX. This was surprising as we had made all payments within 30 days of the due date. We called Volvo Financial and were told that XXXX XXXX had not forwarded the payment from XX/XX/XXXX. We called and spoke with XXXX, the General Manager of XXXX XXXX numerous times. He told us that they were working on it and that they were speaking with XXXX XXXX to obtain a resolution. He told us numerous times that he would follow up with us by calling and informing us about the status. To date, he has never called either of us. On or about XX/XX/XXXX XXXX informed us that his office was refunding our lease payment that was made on XX/XX/XXXX after keeping the funds in their account for over three months. We expressed dissatisfaction and insisted that XXXX XXXX XXXX forward the payment to Volvo Financial as agreed in XXXX. We do not understand why they would keep this payment for over 90 days, just to attempt to return it to us. Frankly, we do not believe that XXXX is assisting us as he does not return calls and when he takes our calls he responds in an apathetic, demeaning tone. XXXX received an email from XXXX XXXX, who claimed to be another General Manager on XX/XX/XXXX about our interaction with XXXX. XXXX left XXXX messages in the mornings on XX/XX/XXXX and XX/XX/XXXX. We have yet to receive a response from him either. We also spoke with numerous representatives of Volvo Financial on or around XX/XX/XXXX and XX/XX/XXXX. One stated that they would reach out to XXXX XXXX XXXX and another stated that XXXX office would need to contact them. The first representative stated that the report of the 30day late payment would be removed if XXXX XXXX XXXX XXXX stated that we paid the payment in XXXX, XXXX. The second stated that the 30 day late payment would not be removed as Volvo Financial and XXXX XXXX XXXX have no relationship. We were surprised at this response and by the inconsistencies between representatives.
08/30/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	CA 92130	Web
My wife and I leased a vehicle from Volvo Finance VCFS Auto Leasing Company. At the end of the lease term, we dropped off the vehicle at the Volvo dealer as instructed, obtained a receipt from the dealership, and notified Volvo Finance. This was on XX/XX/XXXX. We have performed all routine maintenance at the Volvo dealership where it was dropped off. The vehicle was returned under the mileage limit. In XXXX, we started receiving repeated calls from Volvo Finance that the lease had terminated and they had not received the car. Volvo continued to charge and harass us. We explained to Volvo Finance that they did turn in the car, had a signed receipt, and had notified them at the same time. Volvo continued to call and harass us, and we continued to advise the Volvo collectors that they were not correct. The Volvo collectors did not verify the accuracy of their claims. On XX/XX/XXXX, we received XXXX XXXX alerts that Volvo Finance was reporting our account as delinquent, with a negative impact on their credit scores. There was a charge for a past-due balance for XXXX in the amount of {$590.00}. We then made the complaint to the C.F.P.B. on XX/XX/XXXX. XXXX then backed off of the delinquent calls and delinquent credit reporting that they started in XXXX. It seems that the C.F.P.B. complaint did what it was intended to do to get to someone who would pay attention, rather than the erroneous information they were acting on, and refusing to correct their records. Unfortunately Volvo did not leave it alone. In retaliation for the C.F.P.B. complaint, Volvo claims to have had an inspection of the vehicle done on XX/XX/XXXX. XXXX This was the same date of the C.F. P. B. complaint Coincidence? ) The purported results of the inspection were that three of the tires measured XX/XX/XXXX tread, and one was XX/XX/XXXX tread. They claimed that this constituted excessive wear under their standards ( the XX/XX/XXXX tires ) and they decided to charge us {$1200.00}. This amount is excessive wear for three tires for {$780.00} plus {$60.00} sales tax, and {$350.00} vehicle turn-in fee plus {$27.00} sales tax. This is peculiar and improbable for the following reasons : ( 1 ) when dropping off the car no issue was identified ; ( 2 ) I dropped the car off on XX/XX/XXXX and Volvo located their car, the inspection takes place at XX/XX/XXXX ( over a month later ) and I have no way to validate what wear and tear has occurred over the last month plus. ( 3 ) We also conducted a complete inspection that was certified by Volvo ( document attached to this complaint ) establishing the car was in perfect condition and the tires had not experienced excessive wear by their own report prior to returning the car - the report clearly indicates no concerns were raised by Volvos own service department. Volvo is retaliating against me as a consumer for not renewing my lease and is acting in bad faith against consumers at-large by falsely accusing me of excessive wear to receive more money with the knowledge that many consumers dont or wont fight back. I have offered Volvo that I will pay the vehicle turn-in fee of {$350.00} as per the lease agreement, but they refuse to accept this and continue to operate in bad faith. I am writing to you to make this right and to protect me against Volvos fraudulent actions and to have them XXXX out the balance due as acknowledgement of their continued bad faith and wrong doing.
08/27/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem extending the lease	CT 06811	Web	Older American
RE : VOLVO CARS In XX/XX/XXXX, I received an offer from Volvo Cars XXXX, CT to end the current XXXX XXXX Volvo lease and " lease a new Volvo ... .and we will waive up to 6 remaining payments on your current lease. '' the offer was for 24 months new lease, didn't specify an amount to be paid at signing, and the offer expires on XX/XX/XXXX. I discussed the offer with Volvo Cars XXXX, but they didn't have a car to match the XXXX XXXX which I've leased from them. However, they gave me quotations for similar cars in case they can get one from other Volvo agencies based on 24 months new lease, and insisted on {$5200.00} at signing, because that was the sum I paid when I had the XXXX lease. However, and since my lease ends on XX/XX/XXXX we agreed to talk again after XX/XX/XXXX on he assumption that a matching car is available at Volvo Cars XXXX, CT. Eventually, on XX/XX/XXXX I returned the XXXX XXXX, and signed a new lease for 24 months at {$390.00} per month and paid {$5800.00} at signing., with the salesman referring to his Manager to give me answers and assurances that this is the best they can do for me based on the XXXX " not so clear '' offer. I was denied the request to extend the lease to 36 months, and to reduce the {$5800.00} payment. To my surprise, on XX/XX/XXXX I receive a " SPECIAL SAVINGS OFFER '' from Volvo Cars XXXX to lease a XXXX XXXX Car which matches exactly the same car that I got on XX/XX/XXXX, which matched the XXXX leased car. That offer expiring by XX/XX/XXXX has now specific terms " Lease XXXX XXXX XXXX XXXX for 36 months {$3600.00} due at signing at {$370.00} per month ''! Immediately, on XX/XX/XXXX I sent letters and e-mail to : - Volvo Car Financial Services, One Volvo XXXX, XXXX, NJ XXXX ( they have their name on the promotional offer ) - Volvo Cars Financial Services, XXXX XXXX. Ph : XXXX XXXX XXXX XXXX Re:XXXX Account Number. ) - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CT XXXX Ph : ( XXXX XXXX I complained that the new lease is a grossly unfair transaction, as Volvo XXXX took advantage of my loyalty to Volvo, did not advise me of the XXXX offer, denied me the 36 months lease, and grossly over estimated the amount paid at signing. I received a letter from Volvo-Alabama dated XX/XX/XXXX stating " we appreciate your patience while we research your concerns ... '', and by a letter dated XX/XX/XXXX they rejected my request. I received no responses from Volvo Cars XXXX or New Jersey. I appreciate your interference to address my copmlaint, since the actions by Volvo Cars involve false advertising, and unfair trade practices Thank you! XXXX I have documents to attach to my complaint.
05/04/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	VA 22003	Web	Servicemember
On XX/XX/XXXX I leased a XXXX Volvo XXXX and ended the lease on a XXXX Volvo XXXX. Both cars were covered by a 36-month bumper to bumper warranty. The XXXX XXXX was turned in after 34 months because Volvo would pay the lease costs on the final months of the lease if I leased a new XXXX. On XX/XX/XXXX Volvo Car Financial Services sent me an invoice for {$200.00} that included a charge of {$130.00} because the maintenance light and the tire pressure light stayed on ( attachment XXXX ). When I asked XXXX Volvo XXXX XXXX XXXX XXXX, XXXX, VA XXXX, where I leased the car, I was told that both items were covered by Volvos warranty. However, I had to talk to Volvo Car Financial Services since they sent me the invoice. In a series of phone conversations with Volvo Car Financial Services on XX/XX/XXXX, and XXXX the total bill was reduced to {$140.00}, a reduction of {$67.00} XXXX attachment 2 ). When I asked how they came to that amount I was told that the maintenance light/tire pressure light was taken off the bill, but I still had to pay for {$130.00}, plus tax, for the right front door. I have no issue with paying for the door panel ; however, no tax was ever charged before, so why is tax suddenly being charged. The second issue I have, is that if the {$130.00} is subtracted from the {$200.00} that I was billed, I should be paying {$73.00}. I have never been given an explanation of how the {$140.00} was calculated, only that was the amount that I had to pay. When I further questioned the amount, I was told to talk to XXXX Volvo and they should pay any difference. When I again talked to XXXX Volvo, I was told that it had been mentioned to management, but no action had been taken. I also did not receive a response to a follow-up email I sent to XXXX Volvo. Consequently, I am in a catch-22 situation where Volvo Car Financial Services say I need to talk with XXXX Volvo and XXXX Volvo says I need to talk to Volvo Car Financial Services yet both are part of Volvo Car XXXX XXXX or its affiliates or licensors ). The maintenance light/tire pressure light issue was covered by Volvos warranty. The XXXX XXXX had been scheduled for maintenance at XXXX Volvo on XX/XX/XXXX, but was cancelled when I no longer was leasing the car. In addition, XXXX Volvo informed me on XX/XX/XXXX that the XXXX XXXX had been sold, which indicates the routine maintenance was performed.
12/19/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 90064	Web
I have contracted Volvo Car Financial Services XXXX times and requested quotes for ending my lease early. After I turned my car in, they requested payments after quoting me {$0.00}. I first contacted them in XXXX of 2022 after receiving mail about ending my lease early and having remaining payments waived. Subsequent contacts were made in XXXX and XXXX to obtain " quotes '' for early lease termination. Each time I contacted them, they told me " management '' would approve early termination of the lease and a decision takes XXXX business days. I was moving from XXXX state to another and my lease was set to terminate in XXXX of XXXX. I asked them how much would be due to turn-in the car versus taking it with me and shipping it across the country. Each time I inquired they forward the request to management and a turn in quote is issued and good for 14 days. I made the third ( and last ) request in XX/XX/2022 ( due to previous requests expiring and reinitiating a new request ). The rep told me the balance due would still be {$0.00}. I asked if I needed to sign anything and they told me I did not, that I only needed to turn the leased XXXX XXXX in to a Volvo dealer no later than XX/XX/XXXX of 2022 and then call XXXX back and advise the car has been turned-in, time, and mileage. On XX/XX/XXXX of 2022, I turned my XXXX car into my local dealer in XXXX Indiana around XXXX to a sales person representing XXXX XXXX ( who was on a call and couldn't meet me ). I then called Volvo Financial and let them know the mileage. I inquired with the dealer about turning the car in and if I needed to sign something and they said no. I have now received requests for payments for ; " Remaining payments : '' {$1400.00}, " Excess Wear And Use Charge '' {$130.00} and " Vehicle turn in fee '' {$350.00}. I called XXXX on XX/XX/XXXX and spoke to a representative, XXXX, and explained the above. She informed me she reviewed my account notes and I was quoted the {$0.00} turn in for the remaining payment and would need to forward for " account review '' and I would need to call back on XX/XX/XXXX if I would like a " status update. '' XXXX went on to explain to me the {$350.00} and {$130.00} charges are valid charges and asked me If I wanted to pay them for a combined total with tax of {$520.00}.
07/17/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 75206	Web	Servicemember
I never received a loan. Each party received actual cash value on the exchange. You have performed fraudulent Title 15 collections against me, making me believe I receive a loan from you. I received no such Thing. It was an exchange of actual cash value for actual cash valueXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Has material breaches of the binding arbitration agreement that was entered into on XX/XX/2022, have occurred. 15 U.S. CODE 1640 ( A ) RETURN OF PROPERTY THE SUM of XXXX XXXX XXXX XXXX XXXX and XXXX cents. {$150000.00} PAYABLE TO XXXX XXXX XXXX XXXX 15 U.S. CODE 1635 ( B ) Return of automobile XXXX XXXX XXXX Vin : XXXX 15 U.S. CODE 1635 ( F ) RESCIND OF CONTRACT AS IT WAS NOT PROVIDED 15 U.S. CODE 1644 ( A ) LL ADVERSE NEGATIVE REPORTING TO ALL CREDIT REPORTING AGENCIES UPDATED AS NEVER LATE PAID IN FULL UCC 3-311. ACCORD AND SATISFACTION BY USE OF INSTRUMENT Debt discharged, and a settlement. according to Uniform Commercial Code Section 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the instrument is refused, there is discharge to the extent of the amount of the tender of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. '' An EFT is an offer to pay. It is also a " bill of exchange. Bill of Exchange Act 1882 : 43 Dishonor by non-acceptance and its consequences A bill is dishonored by non-acceptance UCC 3-415. OBLIGATION OF INDORSER ( c ) If notice of dishonor of an instrument is required by Section 3-503 and notice of dishonor complying with that section is not given to an indorser, the liability of the indorser under subsection ( a ) is discharged. Uniform Commercial Code Section 3-604 : Any party making full tender of payment to a holder when or after it is due is discharged to the extent of all subsequent liability for interest, costs, and attorney 's fees. The holder 's refusal of such tender wholly discharges any party who has a right of recourse against the party making tender. Where the maker or acceptor of an instrument payable otherwise than on demand is able and ready to pay at every place of payment specified in the instrument when it is due is equivalent to tender.
09/19/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Changes in terms mid-deal or after closing	FL 34243	Web
My XXXX Volvo lease was coming due in XX/XX/23. I contacted different dealerships looking for the best deal. Which was no money down, take in my current Volvo XXXX as is for a trade, XXXX XXXX miles a month, tinted windows and have my payment as close to the current monthly payment amount as possible. Two Of Volvo dealerships were able to offer that deal, however they did not have all XXXX XXXX XXXX. I saw XXXX XXXX cars of XXXX XXXX had XXXX XXXX me and girlfriend XXXX called new car sales manager XXXX XXXX XXXX him on the speaker. Told him what deal we were looking for and what we have for him as a trade. We were very specific and told him that we have two other dealerships that are offering us the deal. We asked him if he was able to match it. He asked us to send him mileage of my XXXX and VIN number. A few moments later we got a text message saying they got some good news-XXXX will do the deal! We called XXXX again asked him to email us to confirm it. He told us he was a man of his word and will do the deal as he promised. I scheduled to pick the car on Saturday XX/XX/23 XXXX. I arrived at XXXX met with my sales man XXXX XXXX I asked if he needed to see my car and test drive and look at tear and wear he said no. Shortly I went to sign my new lease papers with XXXX. XXXX XXXX and asked if I could get some paperwork from him saying that they are taking my car as trade and that I wont get any bills or invoices from XXXX XXXX. He said not to worry everything is taken care off and I can contact him or XXXX Monday and he will email me what I need. I reviewed the paperwork again in the car and noticed I did not see any XXXX per lease term listed. Went back and spoke to XXXX XXXX said it was XXXX a year. I asked him to call XXXX and fix it. He did. Called XXXX XXXX Tuesday asking for XXXX trade in papers he said he didn't take it as trade and never said he would. We told him we were very upset of his lies and deceit and will speak to someone else. Couple weeks later I received the invoice from XXXX XXXX for wear and tear of {$440.00}. Mailed it to the dealership, also emailed to XXXX, XXXX XXXX. No Response. Filed the complaint with Volvo corporate. Nothing.
10/28/2019	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	SC 294XX	Web
I have been a long time customer of Volvo and Volvo Financial Services over the last six ( 6 ) years and three ( 3 ) vehicles. During that time, I have never had a late payment or negative mark of any kind on my credit. However, when upgrading my lease from my second lease to my third lease, Volvo Financial did not update my current Volvo Financial portal account as it had done in the past. This meant that my auto-pay settings from which all of my previous payments were made never rolled into the new lease ( as had been done in the past ) and the automated payments that I had relied upon in the past were not made. As a result, no payments were submitted for two months which lead to a 30-60 day non-payment event on my credit report. In addition, no attempt was made to contact me in order to let me know that the third lease was behind in payment. It was only when I tried logging into my Volvo Financial Portal account did I realize that my original account was deactivated and I would need to register a new account for the new lease ( a step that I did not have to take in my previous two leases ). Once I registered for a new account, only then did I see that my account was two ( 2 ) months past due. Upon realization, I immediately paid the outstanding amount and set up a new auto-pay. This new requirement for creating an entirely new Volvo Financial Portal account for each lease was not made known to me until it was too late. In fact, when I spoke to my Volvo Dealer at the time of the third lease, he told me that I would NOT have to update my Volvo Financial Portal account. I followed up with him after learning this and he and his team were completely unaware of this new requirement. Volvo Financial has been a wonderful leasing company and this situation does not change that opinion. I realize that I represent a bit of an edge case ( three sequential leases ), but still believe that I shouldn't be held responsible for a change in their technology platform impacting an auto-pay function that was set up and working for the first two leases. Hopefully, this story helps anyone working with Volvo or a customer of Volvo Financial avoid this situation.
03/10/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MD 21221	Web	Servicemember
I visited the lender 's website to determine the total payoff amount for my XXXX Volvo XXXX. In addition, called the lender, by telephone and it was confirmed. I also specifically asked about the GAP insurance refund as I am now cancelling due to the car being paid off. They instructed me to contact the dealership for cancellation, which I did. The Dealership provided me the form/instruction for cancellation ; I completed and returned to them. I was told I would receive the refund in 6-8 weeks. Upon waiting for 6 - 8 weeks and not receiving any refund, I contacted the dealership to follow-up. I was then told that they had sent my refund to the lender, and not to me because the lender requested it. When I called the lender ( Volvo Car Financial ), they told me that they received the requested refund but will not send/forward to me because the refund should've been included in my payoff amount but wasn't. So I had two questions which they haven't answered : 1. How did they know how much my refund would be, to pay off the loan if and/when they didn't know I would be paying my car off? 2. If an amount ( {$900.00} ) is charged/included in my loan for this GAP insurance for X amount of years, I pay the entire loan off early, should I receive the unused portion of the insurance cost, or shouldn't I have received that credit from my payoff balance? Neither has been done and they're refusing to give me the {$750.00} due. They're stating that the State of Maryland is a " No Refund '' State so I'm not entitled to a refund for services/insurance I didn't use. In addition, Volvo Financial Services has never would include the Principal Balance of the loan on my statement ; only the Payoff, which includes interest. I'd requested this information primarily because I always paid extra principle and need to track my balance each month. They said to know that amount each month, I have to call them. In a nutshell, I paid, in full, a loan that included {$900.00} for GAP insurance. Now the lender is withholding the unused portion of {$750.00}. So they're keeping money for service I did NOT receive. I need it reimbursed/sent to me.
04/27/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	MD XXXXX	Web
I leased my first Volvo via Volvo Financial on XX/XX/XXXX. I have always paid my account with Volvo Financial online as I have been doing since the inception of the lease term. In seeking to update the history of my account with Volvo Financial I noticed I didn't have all monthly statements for my account including back to XX/XX/XXXX. I have since discovered that I can not get more than 3 last most recent leasing statements via the payment website ( https : //www.volvocarfinancialservices.com/ ). I called Volvo Financial today with the purpose of requesting the missing statements. I was told I can not get any statements other than the 3 prior consecutive months ( I can't get the XX/XX/XXXX statement today because the online system is down ). There is no way to request paper statements to be mailed. I was told by the CS rep that it is a Volvo Financial company policy not to provide any other statements and that I can't make a request for prior monthly statements because they don't exist. Every other company I do business with including different vehicle leasing companies and credit card companies allow me to access online up to 2 years or more of my monthly statements. Some allow me to request statements to be mailed that are older than 2 years, which I have done in the recent past. Furthermore, Volvo Financial should be required to DATE the monthly statements retrieved on line. None of the statements I have been able to download contain a statement date!!! The only way I have any idea when the monthly statement that I can view on Volvo Financial 's website is because of the date the available statement appears to be posted. There is no logical explanation for why a statement does not have a date reflecting when it was generated. These issues constitute a violation of my consumer rights and I want Volvo Financial to be required to provide the " missing '' monthly billing account statements. I don't believe they can not be provided ( I bet they could find them if there was litigation surrounding the debt at issue ) and because I have a right to be able get this documentation to verify for MY records.
01/21/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TN 37042	Web
Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a wet ink signature of a signed contract with the creditor. I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. I am invoking my specified remedy as a consumer, and the original creditor, I am demanding all of the following : XXXX out the balance on this account, Grant me my title lien free, Pay me all payments made to your company including any down payments from the inception of this alleged debt until the current date. Your next contact with me should be to either notify me that the Volvo has failed to provide verification of the debt and that the matter has been closed. Please confirm that I am not being held responsible for the debt in writing and the above specified remedies has been granted. I expect that you will provide me with all documents relevant to the debt as requested in my Debt Validation Letter submitted to your office via certified mailing and any other data that indicates my responsibility. In addition, you may not contact me by phone at work or at my home about this alleged debt. All future correspondence should be sent to me in writing. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity.
07/17/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	GA 30324	Web
I am lodging this formal complaint against Volvo Car Financial Services, related to an unjust credit report dispute connected to my account ( number XXXX ). Despite having an impeccable payment history with Volvo, I am now facing a damaging mark on my credit report. This stems from a disposition fee of {$350.00} that I promptly paid via check in May this year upon receipt of a requested invoice from Volvo. Regrettably, it appears that this check may have been lost in their third-party payment processing center, and my attempts to resolve the issue have not been successful. In the absence of clear communication and documentation, including the lack of a contract copy at signing, I initially found the fee surprising and suspicious. My online account, which was closed soon after my subscription ended, showed a " paid in full '' status upon the car 's return, with no indication of additional charges. In the aftermath of my completed subscription with Volvo, I did receive several phone calls regarding this disposition fee under the Care by Volvo program. However, due to the high frequency of daily scam calls regarding the vehicle, I requested either an email from an official Volvo address or a mailed invoice to confirm the legitimacy of the charges. I have urged Volvo to launch an investigation, specifically asking them to reach out to their payment processing center to locate the lost check. I have also offered to provide a carbon copy duplicate from my checkbook and bank statements as proof of the missing check. To this date, Volvo has not resolved this issue, and the charge-off remains on my credit report. This situation has underscored the need for personal record-keeping, and I have requested copies of all statements, invoices, and correspondence related to my Volvo Financial account. I am disheartened that this issue persists despite my efforts to resolve it promptly and am concerned about its impact on my credit report.
07/28/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Changes in terms mid-deal or after closing	IL 60062	Web
OnXX/XX/2023 I signed a lease with XXXX Volvo in XXXX for a XXXX XXXXXXXX XXXX. The salesman gave me a lease agreement ( signed by the manager ) that stated the selling price of the vehicle was price was {$57000.00} and the net CAP cost was {$55000.00} after the Federal EV Rebate and Teacher Rebate. The same day, I went to sign for official lease when I saw that the selling price is now {$59000.00} ( an increase of {$1900.00} ) and net CAP cost was {$55000.00}. I saw the price increase and asked the finance manager about it as that was not what we agreed upon. The finance manager then went to checked with the general manager, and she assured me that the reason for the selling price increase was due to the " tax on the federal rebate ''. I called back when I was home to have them re-explain this discrepancy to me, as I found it to be suspicious that there was a tax on the tax rebate, and they told me that " they'll check on it and get back to me ''. It's been 4 months and no communication from the dealership. On XX/XX/XXXX, I wanted to buy-out the lease. I contacted Volvo Car Financial Services ( VCFS ) and the cost of the buyout came to {$59000.00}. This total included a {$3900.00} in sales tax. According to the lease agreement, contract obligation already included a sales tax of {$3100.00}. After communicating why there are two sales tax included in the buyout, VCFS claimed a variety of reasons why this was the case, from " the dealership already paid the taxes '' to " you need to be reimbursed by the state of Illinois. '' Please see the " buyout messages '' PDF for the conversation between the me ( Customer ) and the VCFS representative XXXX XXXX XXXX XXXX ). I also contacted the finance manager ( XXXX ) at Volvo XXXX in XXXX for information about why there were two sales tax when I wanted to buyout the lease on XX/XX/XXXX, hoping they can explain to me why that is, and they did not reply.
02/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WV 254XX	Web	Servicemember
XX/XX/XXXX I returned a XXXX Volvo XXXX as instructed by Volvo. Volvo had performed a preinspection and noted several minor repairs I should have completed before turn-in. I followed their direction and left all the documentation in the car front seat. Volvo still charged me for all the repairs. After several phone calls and multiple resubmissions of the documented receipts and pictures, Volvo finally removed most of the charges. I paid the lease termination fee of {$300.00} and a lost key for {$250.00} but Volvo continued to send me invoices each month. As you can see in the attached XXXX report the balance changed almost monthly for no apparent reason or without any clear itemization. Finally, Volvo claimed that the roughly {$390.00} was for personal property tax. Since the State of VA prorates I ask Volvo to send me a statement of the tax record. They didn't send anything other than non-informational monthly statements. recently my credit score took a big hit 100+ points. After investigating I found that Volvo had charged off {$2800.00} dollars. I have escalated this to a supervisor who claims there is nothing they can do, I ask the supervisor who would not provide his name or case/claim number. I ask for the supervisor I was speaking with for the 3rd time and he said " she '' would call me. I have received no call. I ask Volvo to update the credit bureaus with the status of the account has been paid in full. Volvo agrees it's been paid in full but refuses to report this to the bureaus or have the {$2800.00} charge off. This was a 3-year lease. Not a single payment was ever late. Hoping you can help me. I have Federal Government clearances and that charge off could prevent me from obtaining future clearances to provide assistance to our Federal clients. I explained the serious nature of this to Volvo they didn't seem to care. Thank you for any help you can provide.
05/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 33611	Web
I had an existing lease with Volvo that was financed through Volvo Car Financial Services. Before the lease was up I was repeatedly contacted to turn the car in early to participate in a " XXXX XXXX XXXX '' where I would be bought out of the lease and get a new Volvo to lease. As part of that program, it was sold to me that it did not matter what damage there was to the vehicle or if we were over the miles. In XX/XX/XXXX we opted into that program and turned in a XXXX Volvo and leased a XXXX Volvo. I left the XXXX at the dealership and left in the XXXX. I was told we were all set and there was nothing left to do with the XXXX Volvo. Subsequently, I was contacted by Volvo Car Financial Services and told that I owned them {$160.00} for a scratch on the car. I told them that I participated in their Pull Ahead Program and that I was advised we were not responsible for that damage. They told me to discuss it with the dealer, so I did and was again told the same thing ; that I was not responsible for the {$160.00}, so we didn't pay it. I even have a letter from them attesting to this. Fast forward to XX/XX/XXXX and all of a sudden my credit score drops 120 points because Volvo Car Financial Services " Charged off '' the expense maintaining that it was bad debt I owed and they could not collect. I have spoken numerous times to the dealer and Volvo Car Financial Services and they just point the finger at the other party saying that its their fault. Meanwhile, I am left in the middle with a reduced credit score and getting turned down for loans to refinance my house, etc. I have disputed this reporting for over 3 months now and written various letters. I keep getting the same answer from Volvo Car Financial Services that " I got a raw deal '' but they won't change the reporting even though their dealer told me I was not to pay a debt because of their program.
11/16/2022	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33919	Web
Volvo Financial Services serviced my loan for my XXXX. My payment due date was the XXXX of every month. I paid the remainder of my loan off in XXXX XXXX XXXX After I paid my account in full, I pulled my credit report and saw they had marked me 30 DAYS PAST DUE on 4 occasions over 4 years. I went back through all of my payments made via bank statement. Only one of these payments was 30 days late and that was in XXXX. The other 3 payments were paid late but not 30 days or more. The most recent late payment on my report was for XX/XX/XXXX. Which I paid in full along with XXXX payment ( paid on XX/XX/XXXX ) That is a total of 18 days. That was my latest payment made. I called to address this with the customer service Dept. And a rep told me that because my payment for XXXX, which I paid early, on XX/XX/XXXX, that it was considered 30 days past due as of the XXXX. I explained that made no sense! My due date was the XXXX. How could it be 30 days past due as of that date? She argued with me and was not pleasant to deal with. I counted from the date it was due ( XXXX ) and the date it was paid ( XX/XX/XXXX ) and asked her to explain if that number is 18, how they consider it more than 30 days late? She did not have an answer to my question. Ive exhausted all options, and am trying to get my credit report to reflect accurately. I live in XXXX XXXX, have lost much from Hurricane Ian, and am in need of good credit to be able to rebuild my business. This is severely impacting me in a negative way. I am requesting XXXX, apply an actual day count to their reporting. 18 does not equal 30. And its false information at this point. I hope to have this resolved without getting an attorney or the state attorney involved.
11/30/2023	Yes	Vehicle loan or lease Lease	Repossession Company explaining amount owed	CA 94115	Web
We had a lease of a XXXX XXXX, beginning in XX/XX/XXXX. My husband incorrectly believed he had set up direct deposit for recurring payments to the lease. On XX/XX/XXXX, we noticed the car was no longer parked on our property and learned it had been reposessed by Volvo due to lack of payment. My husband called and said we would pay the amount owed ( {$5500.00} ) as well as any penalties for our mistake. We were then informed by Volvo that they had tried to contact us ( one letter and one phone call ) and we must pay off the call in full, or it will go to auction. We never received any letter detailing this and my husband answered the call, said to call back as he had a work call, they did not detail what it was about and did not call back. We are in possession of a letter, which we faxed to the leasing agent, which is an invoice for lease payments ( {$4300.00} ) plus a {$60.00} late charge DUE XX/XX/XXXX. Our car was seized from our property 5 days prior, on XX/XX/XXXX. We faxed this letter to the leasing company and have tried repeatedly to speak with a supervisor, who is always " busy '' and whose line or direct contact information has not been made privy to us, despite numerous requests. The most recent communication we had was outlining $ XXXX with only a {$60.00} late charge, now we're being told we must pay $ XXXX or have the car go to auction- at which point we will be responsible for any balance under a selling price of {$65000.00}. The punishment far outweighs the " crime '' and we are asking for help in negotiating that we settle up at the requested {$5500.00}, have our car returned to us, and restart our lease with autopay correctly setup.
12/13/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	PA 191XX	Web
I recently traded in my leased XXXX XXXX XXXX early in exchange for a new XXXX XXXX XXXX vehicle for lease. About 1 month after returning the XXXX vehicle, I received an invoice for the amount of {$100.00} for " excessive wear and tear '' for a scratched rim. I contacted Volvo Car Financial Services explaining that I had purchased the premium tire and rim protection plan for this vehicle so that warranty would pay the amount for the rim scratch. I did state that they had no proof of my doing this damage to the car as I turned it in to the dealership upon taking ownership of my new vehicle. Volvo Car Financial Services said to please fax them a copy of the policy, which I did, and they are stating that this warranty does not cover " excessive wear and tear. '' I explained that they should not code this as " excessive wear and tear '' but as a scratched rim. They would not waive the fee, and as a valuable three-time leasee, I feel their customer service is abhorrent and unprofessional. The representative said, after calling me Ma'am several times when I corrected him to say it was " Sir, '' they would turn me into a collection 's agency, and I stated I would contact the XXXX XXXX XXXX XXXX AL as well as the three major credit bureau agencies and state that the car is now out of my possession and am in a new vehicle, responsible for the new vehicle, not the old vehicle. After the XXXX contacted Volvo Car Financial, Volvo stated they would reduce the amount to {$84.00}. This is unacceptable and completely unnecessary to treat a loyal customer this way. The warranty was paid for and if there is a scratch, the warranty I paid for will cover it.
09/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 185XX	Web
Volvo Car Financial Services has charged off an account that was never delinquent and in voluntary forbearance and covered by the reporting regulations within section 4021 of the CARES Act. The account was opened for " excess millage '' from a previous leased vehicle. The lease was returned in XX/XX/XXXX ( XX/XX/XXXX ) but the account stayed open to cover the above referenced charges. Volvo Car Financial Services, a company we have been doing business with for many years and continue to do so today, placed this account into a voluntary forbearance due to the Covid-19 crisis and then abruptly changed the accounts reported status to " Charged-Off '' in XXXX ( XX/XX/XXXX ). In XXXX ( XX/XX/XXXX ) when these changes were noticed we contacted Volvo Car Financial Services to inquire about the status change. We were told by Volvo Car Financial Services that they were not aware of any changes to credit reporting requirements within the CARES act and thus " had the freedom to charge-off and report any account they deemed delinquent ''. Again, this account was never reported as delinquent and was reported as " current '' and " paid as agreed '' from XX/XX/XXXX to the time of charge-off in XX/XX/XXXX. Also in XXXX ( XX/XX/XXXX ) a dispute was opened with XXXX to further attempt to rectify this situation. The results of the dispute found in favor of Volvo Car Financial Services and a reinvestigation was denied. We have since attempted to contact Volvo Car Financial Services multiple times and have been hung up on or transferred endlessly through a never ending stream of representatives.
05/16/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem extending the lease	NY 10023	Web
Volvo Car Financial Services ( VCFS ) offers a vehicle lease extension option on their website, for XXXX, XXXX, or 3 months. On XX/XX/XXXX, I selected XXXX and the automated response said I would hear back. When I did not hear back, I called VCFS today ( XX/XX/XXXX ). I was told they only extend leases when you have an order placed with a dealership. If that is the case, along with being a consumer-unfriendly policy, it is radically misleading to even offer the extension option on the website without this important qualifier. That is my first complaint. My attachments show the denial issued. Moreover, the VCFS representative told me on the phone I did receive a reply. I checked my email and recent voicemails. Had neither. But, it turns out, that yes, I did receive a denial via VCFS ' messaging platform. That messaging platform does not notify the consumer through any other means when you get a message. No email to say " you have a secure message '' or anything of the sort. Had a not followed up with VCFS, I never would have known. That would be my second complaint. I am also attaching the full message history via VCFS ' " secure messaging '' which shows that the denial was made without my providing a single fact and was a denial that appears consistent with Volvo 's maintaining a policy of no extensions. I am also attaching a screenshot of the message I got when submitting an extension request ( for the purposes of this complaint, I just requested another extension via the website ), that suggests I'll be hearing back in 48hrs.
10/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 949XX	Web
I returned a leased vehicle to XXXX XXXX XXXX on XX/XX/2020. I got a new leased XXXX at the same time. It was delivered to me and the old vehicle taken. I received a bill from Volvo in XXXX ( for the vehicle I turned in ) for the monthly payment, a late charge and excessive mileage charge. I had not exceeded the mileage, in fact it was under the amount allotted in my lease. When I called Volvo Financial Services ( VFS ) to inquire about why I was being billed for a car I no longer had possession of, they said they hadn't received the odometer disclosure from the dealer yet. I was told " not to worry, it sometimes took a few weeks for the paperwork to " catch up ''. I was told " they would make a note in my account and my credit would not be in jeopardy ''. I then started getting phone calls from VFS about my past due account. I explained repeatedly and was told the same thing- 'do n't worry, we noted this and it won't affect your credit. VFS asked me to contact the dealer and get the odometer disclosure statement because " I would have better luck as the customer ''. I did and it took several weeks to actually get the report. Once they had it, VFS agreed to close the account and remove the 30 day late status on my credit report. They still have not removed and I am being charged a higher rate on a new loan because this lowered my credit score.I have also disputed this with all three credit bureaus and was just informed my dispute was denied.
06/28/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	CA 92130	Web
Volvo is claiming that 3 of the tires on my car at lease turn-in are below tread. This is peculiar and improbable to me for the following reasons : ( 1 ) when dropping off the car no issue was identified ; ( 2 ) I dropped the car off on XX/XX/XXXX and Volvo has tried to charge me for additional months of lease and claimed I had not returned the car in a timely manner ( i.e. Volvo couldn't find the car at their own dealership ). Now that they have located their car, the inspection takes place at XX/XX/XXXX ( over a month later ) and I have no way to validate what wear and tear has occurred over the last month plus. 93 ) Of further concern, the odometer they note in their Lease Termination Inspection Report does not match the amount the dealer noted on XX/XX/XXXX. I have attached both reports. One odometer reading is XXXX and the Inspection Report cites XXXX. ( 3 ) I dropped the car off at the same dealership that has completed all the annual maintenance for the car, and never was low tread identified as an issue ( nor at the last schedule maintenance ) ; ( XXXX ) the XXXX XXXX tires have a 70,000 mile warranty down to tread of 2/32 '' in which there should be a rebate at a minimum. This position is very convenient for Volvo to make these claims at the detriment of consumers. I contacted Volvo to better understand and they were completely unhelpful in trying to resolve this matter.
10/21/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem when attempting to purchase vehicle at the end of the lease	VA 232XX	Web
I had a 36 month lease with Volvo Financial for an XXXX. The lease had an option to buy the vehicle at the end of the lease for {$34000.00}. I've been working with the dealer to finalize the paperwork for the purchase and I noticed the amount due was off, it was too high by about {$640.00}. I investigated and found that Volvo Financial failed to credit a payment I made towards the property taxes for the car, so it was adding on the {$640.00} to the back end purchase price. I've made numerous calls to Volvo- every day- to get this resolved. Every time I call I get a new agent who tries to help and then they refer it to the accounting department and tell me to wait 3 days for the records to update. I called yesterday and was told that the account was updated. I looked and the amount due for the purchase had not changed ( i.e. it was not reduced by {$640.00} ). I was then told that because my lease had expired on XX/XX/13 I now owe an extra monthly payment because I still have the vehicle. The only reason I still have the vehicle is Volvo has dragged its feet by not updating the purchase price so I can buy the car. I was told the issue would be fixed and someone would call me back. That has not happened. I need assistance from the CFPB. Volvo has a responsibility to properly allocate payments, update records, and respond to customer inquiries.
02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 36532	Web
We leased a new Volvo suv through one of my XXXX in 2018. Every payment was made on time and was auto drafted from our account. The dealership we leased the vehicle through no longer existed when the lease was up. We returned the vehicle to the new dealership in XXXX XXXX as instructed. There were no issues, they said we were good, checked all the boxes, and I signed the paperwork. After I asked about several of the extras we purchased through their lease program that were never delivered to us, and we were told we would have a credit issued to us. Nothing ever happened. Unfortunately sometime in the last few months volvo has filed a negative action on my personal credit report for all of {$360.00}. No idea where that came from, especially since they were supposed to owe us money. Now my pristine credit history with exceptional payment history for more than 10+ years looks like I did not make 4 payments on this volvo , and that they charged off the account, even though we paid every payment on time, and returned the car in pristine condition. Furthermore it was leased under my company, not me personally, so why are they putting false info on my credit report? I do not see how any company has the power to do this to someone? This is causing me major problems. Any assistance would be greatly appreciated. Thank you.
06/30/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	FL 33073	Web
I am writing about a situation that occurred when two leased cars from XXXX XXXX in XXXX XXXX Florida XX/XX/XXXX. The leasing company is Volvo Financial XXXX XXXX XXXX XXXX, AL XXXX. This was in the middle of the pandemic and things were locked down and the dealer agreed to deliver two new XXXX cars to me and at the same time pickup the two XXXX models that were due to be returned on the lease. My XXXX cars were paid monthly via autopay draft from my bank account. After getting the XXXX cars I later found out that one payment in the amount of {$340.00} was auto drafted from my bank account by Volvo Financial in error. I contacted them soon after and they advised me that the ( one car ) was returned on XX/XX/XXXX according to their paperwork and not XXXX which is when the dealer XXXX XXXX in XXXX XXXX FL picked up the car. I did email the dealer/salesman at the dealership and never heard back. As my current leases became due I was called by Volvo to see if I would continue to do business with them. I advised them of this issue. They told me ( XXXX ) on XX/XX/XXXX at XXXX EST that they would do nothing about this. I asked them why could they not confirm this with the dealer and they acted as if there was no relationship there between the two parties. I advised the dealer and the GM doesnt want to address this issue.
07/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 024XX	Web
The vehicle is a XXXX XXXX with vin XXXX and the account number XXXX. I paid a Volvo lease in full and returned the vehicle in pristine condition, and well under the mileage limit allowed from XXXX XXXX to XXXX XXXX. I was told that there may or may not be an additional payment depending on Volvo 's final evaluation of the vehicle. I was in the process of moving from XXXX to XXXX in XXXX and lost track and contact with the company through time. The account was showing a status of " Paid, closed '' previously but ended up going in to a collection status for {$380.00}. I thought there was a mistake so I disputed it and around that time my credit score decreased by 100 points. There was a lot of confusion so I payed the additional payment but the account status is now showing up as 24 Charge off 's. This is frustrating because its derogatory and looks bad after I paid in full as agreed for {$17000.00} plus the exiting {$380.00}, and is obviously affecting my score negatively. I tried contacting Volvo several times to try and come to terms on this, but I keep getting shifted around, or I need to set up a new account but don't have information to start an account etc.. They're very difficult to work with, and to get in touch with the right people seems nearly impossible.
05/21/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	CA 91403	Web
Volvo Financial Services had sent an End of Lease invoice to me. I received this invoice but was very limited in methods of payment. I logged on to my Volvo online account and the account had been removed from my profile because the lease had ended. Their automated system allowed a look up by social security number. When I entered my social security number, once again nothing was found. This was due to the account being closed due to end of lease? How can an institution invoice you a final bill for wear and tear, yet remove all online forms of payment available to you? Due to XXXX and my own XXXX, I couldn't go to the post office. Additionally, I don't have checks for my account as they cost too much. Its 2021 and super frustrating that Volvo charged this account off. Mind you, I also called and every time I tried to pay the invoice over the phone during Covid there was over a 2 hour wait on the phone. In fact, when I got notice of the charge off I ended up paying right away over the phone. It took me 90 minutes of hold time. I missed to mandatory meetings at work and had to be XXXX for it. This is not something that should result in a charge off. Volvo should take responsibility for removing my ability to pay my invoice online.
05/05/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem when attempting to purchase vehicle at the end of the lease	FL 33157	Web
I believe that Volvo missapropriated several lease payments and instead of assigning large payments which were to be attributed to the pay off amount, they instead applied as lease payments after the termination of the lease. I ended having to make extra payments to ensure I exercised the purchase option prior to the termination of the lease. This is my third CFPB complaint on this issue, I really need your help and assistance. Please do not close the complaint without discussing with me first. This is my second serious issue with Volvo as it relates to financing/purchasing a vehicle. A representative at a dealership changed the agreed terms and forged my signature on a previous purchase adding items I did not agree to. If Volvo 's assertion is that the payments I have made were allocated correctly they should provide a statement reflecting payments and how they were allocated. That is a simple request and will either validate my complaint or help resolve it. While Volvo has acknowledged that I have purchased the car, they have not provided me with the new title and I still have not received the new tag. We recieved a citation today and I have had to renew the tag despite this being included in the payment sent to Volvo.
03/25/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	OH 44312	Web
In XXXX, I purchased the vehicle I had been leasing through Volvo Car Financial Services. They were paid for the vehicle plus the taxes for the state of Ohio. They sent a check to the state of Ohio for the taxes but the amount was incorrect so they voided the check. In XXXX my credit union called and asked me to call VCFS because the check had not been received. I called VCFS and was told that they had sent a check to me made out to the state of Ohio on XX/XX/XXXX and that I should wait because the postal service is running behind. On XX/XX/XXXX I contact VCFS and talked to XXXX. She submitted to have the check recut and requested that it be send overnight with a tracking number. She stated that she would call me back to confirm that it would be over nighted. She did not call back. On XX/XX/XXXX I called VCFS and talked to XXXX. She confirmed with XXXX that the check was supposed to be overnighted and promised to look into it and call me back. She did not call me back. On XX/XX/XXXX I called VCFS and talked to XXXX and then XXXX XXXX the customer service lead who tried to confirm that the check would be overnighted but could not. XXXX assured me that she will call me back.
10/03/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	AZ 85383	Web
I leased a new XXXX XXXX XXXX last year. I love the car ; however, I do not have any need for it anymore due to some life changes and working at home. We also have too many sedans in my household. When I looked at the lease no one other than Volvo or myself can end the lease with a payoff. I contacted 2 Volvo dealerships and Volvo of XXXX offered to but it out at {$39000.00} due to the car being too new to have a book value. There is a book value on the same car one year older with a range of XXXX, the loan payoff is XXXX according to them. I tried another volvo dealer, Volvo of XXXX and they stated they could not buy it out, I would have to buy it out myself, then sell it to them after that. This is patently absurd and while I did sign the contract this is placing the consumer in a unfair position. I can only sell the car to one place, that place knows that, and thus is not paying the value of the car properly. I only want to get bought out of the lease, the book value supports that, as does other 2022 XXXX XXXX 's for sale, but they refuse to help. The locking out of 3rd party payoffs is unfair and deceptive and is against the consumers intrest.
09/03/2019	Yes	Vehicle loan or lease Lease	Getting a loan or lease Changes in terms mid-deal or after closing	NY 107XX	Web
On XX/XX/2019, unbeknowest to the customer ( Leasee ), the dealership ( Leasor ) changed the money factor from the agreed upon rate to a much higher rate and hid the change within the sales contract ( as it was not visble on the same ). Additionally, the Leasor also charged the Leasee for a nearly {$1200.00} 'Pre-Paid Maintenance ' plan by including and hiding it in the total capitlized cost of the vehicle without properly disclosing or getting the Leasee 's approval to do so. As a result, the Leasee is paying higher monthly lease payments due to the fraudulently increased capitalized cost and money factor/interest rate resulting in higher rent charges throughout the duration of the lease term. The Leasee has attempted to contact the Leasor on multiple occasions in an attempt to resolve the issue but the Leasor has failed to respond. It's the Leasee 's position that the Leasor performs the alleged conduct regularly in their day-to-day business practice when the Leasor modify money-factor rate and charges for hidden and unapproved service agreements to the benefit of the Leasor without the Leasee 's knowledge or consent.
07/27/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	OH 430XX	Web	Servicemember
In XX/XX/XXXX, my spouse and family were relocated to XXXX, XXXX because my husband 's career supports the well-being of the XXXX XXXX XXXX XXXX soldiers. On XXXX XXXX, XXXX, we returned from XXXX to the United States ( to Ohio ). In XXXX we purchased a XXXX from XXXX XXXX in XXXX, XXXX. We paid {$600.00} extra to have this vehicle returned to the XXXX using their " white glove '' service. On XXXX XXXX, XXXX, our XXXX XXXX XXXX arrived in Ohio XXXX XXXX ) after a XXXX delay, sitting at a port in XXXX. The XXXX overseas shipment program has been less than satisfactory and promises more than it delivers to XXXX soldiers and diplomats. We have encountered various issues along the way. Truly the only benefit to paying that much money was so that our vehicle was delivered closer ( in proximity ) -- that's it. Our current Volvo Rep at XXXX in XXXX, OH, is terribly unaware of the process. I do believe that Americans are being ripped off repeatedly overseas, specifically in XXXX at our military bases, due to over promising and under delivering. Who is overseeing and keeping these business practices ethical?
03/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75098	Web
Had an 800+ credit rating for 8 years until Volvo Financial Services became grossly negligent in the handling of my dispute and subsequent inaccurate credit reporting. - Volvo updated my home address and updated all credit reporting companies with an address that was not mine. - No correspondence was received regarding any disputed balance amount. Volvo records can confirm this mistake and my address was updated. - Volvo reported negative feedback on my credit report. - To mutually resolve Volvo agreed to a new balance due of {$680.00} which was paid immediately on XX/XX/XXXX at their request. - Volvo then reported I had an outstanding balance of {$160.00} to credit agencies and listed me a charge off - Upon contact I agreed to pay an additional {$160.00} as noted below to finally clear up their mistakes - Now they have listed a charge off on my account in excess of 3k which never existed nor is owed. Volvo Financial Services Dept is dangerous and incompetent to work with. I have been trying to clean up the mess they made of my credit history for over a year. Absolute negligence on their part.
11/29/2019	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	TX 75022	Web
I surrendered my Volvo old lease for a new lease offer with Volvo and after 1 month I have received a bill with an " excess wear & tear '' in tires for {$780.00}. Volvo Dealership accepted my old lease after check all the car with no issues the same. They didn't tell me that I have to pay anything ( I think because they wanted to sell the cars : 3 cars, XXXX $ value the same day ). After I signed contract, one month after, I received a bill for excess wear for tires, and they try to charge me premium brand tires ( 3 ). Volvo dealership now says is not his fault, it is a problem of Volvo Car Financial Services, and Volvo Car Financial Services says that the responsibility of not telling me is the Volvo dealership AND THAT THE DEALERSHIP IS NOT AN AGENT OF VCFS SO WHAT THEY SAY IS NOT VALID FOR THEM ( but the lease contract is signed by the dealership ). Customer service is awful, after 3 complaining letters they don't answer any questions nor justify charges or honor their promises ( VOLVO promises, for me, dealership, volvo brand, and volvo car financial services are the same )
02/20/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NC 28105	Web
We turned in our lease to Volvo of XXXX in the summer of 2020 and to our surprise our final bill included {$210.00} in late fees, however we were never informed during the lease term that our account was being assessed late fees. ( additionally our credit report never showed that we were late during the lease term ) We have spoken with Volvo Car Financial Services a handful of times regarding this dispute, but nothing has been done to address our issues other than erroneously reporting inaccurate ( charge-off was reported ) information to the credit agencies. We explained to Volvo Car Financial Services that we show a correct balance of {$380.00} which we are prepared to pay in exchange for satisfaction of the loan and withdrawal of the charge off and any other negatively reported info previously and or that may be reported in the future. We hope that you may assist us so that we can avoid legal action versus Volvo Car Financial Services and any of there affiliated entities. Thank you in advance!
11/30/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 92103	Web	Servicemember
When my lease was signed for my XXXXXXXX Polestar XXXX XXXX XXXX XXXX XXXX XXXX XXXX Polestar XXXX XXXX XXXX of the lease states Polestar Is responsible for my maintenance and operational costs. In XX/XX/2022 I got a flat tire in XXXX XXXX I then contacted Polestar Roadside assistance to have my car towed to the Polestar dealership in XXXX to get my tire fixed. Upon my car 's arrival at the dealership, the maintenance supervisor advised me I needed to contact Polestar Financial to get the authorization for payout in order to get my new tire installed. I then called Polestar Financial and after multiple transfers and supervisors, I was told by the polestar management they would not honor what was agreed to and signed in the auto lease. It's been almost 2 months since I was told they would get back to me with a resolution and every time I call the supervisor just advises me they will call me in 1-2 business days.
11/21/2020	No	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	FL 342XX	Web	Older American
In XX/XX/XXXX I leased a Volvo XXXX from XXXX XXXX XXXX. When I signed the lease I asked to move my XXXX plate XXXX from my old car to the leased car and it was done. The plate that was on the leased car was XXXX plate XXXX. In XX/XX/XXXX I moved to XXXX and changed the registration on the leased car to a XXXX plate. Volvo car financial services ( VCFS ) kept getting the bills from the town of XXXX XXXX for XXXX plate XXXX. In XX/XX/XXXX VCFS started sending me bills for the excise tax that they received from the town of XXXX for XXXX plate XXXX. I never leased a car with plate XXXX XXXX and I didn't own a car in XXXX since XX/XX/XXXX so I don't see why I have to pay for a plate I did't own in a state I wasn't leaving in since XX/XX/XXXX. I paid VCFS for XX/XX/XXXX of the XXXX bill since I lived 7 months in XXXX in XXXX. I would like VCFS to stop sending me bills for the mistakes they made.
04/23/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem when attempting to purchase vehicle at the end of the lease	NV 89012	Web
When I purchased my lease I was sold by the sales team that XXXX have their value and I could use the equity at the end. Now that my lease is completing I am told that the only way I can sell it is to buy a new a new vehicle with volvo AND it must also be financed with Volvo. The dealerships have conflicting information, and the representatives at Volvo Financial lack empathy and seem to numb to this situation. We have struggled to make the payments, and were planning to utilize the small equity that we had. Now we have to turn in a unit that has equity and then they charge fees to turn in. Then I am sure they are going to charge to recondition. It just seems deceptive and this process benefits 100 % volvo financial. If I could just pay it off there would be no additional fees. I feel as though no one is standing up for the consumer and they have become greedy with inventory issues.
12/02/2021	Yes	Vehicle loan or lease Lease	Getting a loan or lease Problem with a trade-in	CA 90046	Web
This complaint is specific to Volvo Financial Leases. When leasing a XXXX or newer Volvo via Volvo Financial you are essentially trapped in the lease meaning they have added a clause that you can not trade it in at non Volvo dealer, can not sell to a third party, can not even transfer the lease to another consumer. I have leased vehicles previously and when I was done I simply traded it in, paid the balance ( if any ) and moved on. I have also been advised by XXXX Volvo dealerships that even the Volvo dealers are not allowed to purchase the vehicle or they could face significant fines from Volvo financial. The only way to leave the lease is for me to buy out the vehicle completely which does not make sense. I am certain this is written in the lease but definitely something I feel they snuck in post XXXX and shame on me for not reading every detail of the lease contract.
10/06/2019	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	MA 024XX	Web
I had completed my 3 year lease with Volvo Financial in approximately XX/XX/XXXX. I moved away from California in XXXX of XXXX and never knew that Volvo had charged me an extra month payment fee. I only knew when it appeared negatively on my credit report. I disputed many times because the car was in flawless condition upon return, new tires, regularly maintained and extremely clean. I asked and disputed the charge from my report thinking they made a mistake in the last payment for which was paid. XXXX who is the only reporting agency that has this on my report as a negative refused to make any further disputes to resolve the issue. This agency is the worst managed out of the three agencies. I only want what is fair and since the account has been charged off I doubt Volvo will accept any payment to have it removed, but will attempt again. VIN : XXXX
01/05/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	IN 464XX	Web
Debt collector or creditor has been calling during my hours of employment. I received a payment remittance coupon in the mail on XXXX. XXXX ; y statement included amount due {$2300.00}, Due Date XX/XX/XXXX. My vehicle was repossessed on XX/XX/XXXX from my place of employment, XXXX in XXXX, XXXX. All of my personal property was in the vehicle. I wasn't able to receive my personal property until XX/XX/XXXX. They have violated 15 USC Code 1692f ( 6 ) ( a ). They have also gave my personal information to a third party XXXX XXXX XXXX who stole my vehicle which is violation of 15 USC Code 1692c ( a ) ( b ). They furnished me with deceptive forms and have violated 15 USC Code 1692j ( a ). They charged me {$6000.00} cash down payment which is illegal during a credit transaction which is violation of The Truth In Lending Act 15 USC Code 1605.
12/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92620	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, VOLVO-XXXX XXXX- 5 add a hard inquiry on my credit report per XXXX . But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
03/25/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 33157	Web
I leased a XXXX XXXX directly from Volvo which had a purchase option exercisable prior to the end of the lease. I notified Volvo that I intended to purchase the vehicle and asked that they credit my security deposit to the purchase price. They agreed to do this subject to the completion of a form requesting that the deposit be credited. I did everything that Volvo requested and we have followed up six times via their call center and via the messaging center on their website. Our issue at this point is that they never credited the security deposit, they missappropriated payments for purchase as lease payments even though the lease was paid in full, they have failed to issue us the title and finally they owe us in the vicinity of {$1000.00} which they have failed to refund.
08/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	RI 028XX	Web
Company has violated the Fair Debt Collection Practices Act by placing an ambiguous collection amount on my credit report 3 years after the account was closed and paid in full. The Volvo lease was never late, yet now reporting 14 or more 90 day late payments and collection. The lease terminated inXX/XX/XXXX, paid in full, never late. Volvo company has not reached out nor attempted to notify about "debt". Account appeared as charge off on credit report with balance and late payments years after paid in full. Received notice dated XX/XX/XXXX with "lease termination invoice". Attempts to contact number on notice have all failed. Operators collecting information and then terminating call. Volvo is acting abusively due to not purchasing vehicle at lease-end.
01/05/2021	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	CT 068XX	Web
Leased a XXXX XXXX from Volvo Financial in XXXX. Set up autopay to pay the lease monthly. Without any alerts, Volvo 's autopay service failed. Received no emails or physical mail about delinquent payments, but Volvo reported a late payment to the credit bureaus on XX/XX/XXXX. Called to rectify, set up autopay. Called XX/XX/XXXX to ask for removal of credit demerit. Was told to call back today ( XX/XX/XXXX ) for credit search. The customer service representative told me that it was denied. Additionally, I logged into my account today and despite the autopay setup, says my account is 7 days delinquent. Again, I was not notified even when calling customer service. Clearly not interested in correct reporting or setting up autopay.
01/22/2019	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	FL 33487	Web
Volvo had the incorrect contact info on my account that they input on their side. Phone number was wrong by 1 digit. They did not withdraw the funds from my account correctly and were unable to reach me because of this. I was sent a letter in the mail that stated that my auto-pay was setup and should have withdrawn funds on XX/XX/XXXX fpr {$560.00}. This did not occur until XX/XX/XXXX. They are stating that someone was update don my account that they can not verify. Because they input my phone number wrong on their side should not be my fault that they could not reach me correctly. I did not receive one email or phone number from Volvo stating that my account was past due.
08/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80303	Web
Visited car dealership with pre approved financing from my bank. Dealership had me fill out form to only verify my personal details. I specifically stated I did not give consent to have my credit pulled from dealership as I already had financing through my bank. They pulled my credit. I confronted financing employee and he said its standard procedure. Salesman confirmed again that I did not give consent. I have documentation showing dealership was provided financing information from my bank. Both employees acknowledged I did not consent. I called XXXX, my bank, and they also confirmed dealership should not have pulled my credit since I had provided proof of financing.
01/06/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem when attempting to purchase vehicle at the end of the lease	SC 29607	Web
My lease payment auto-pay sent, by my mistake, an extra payment in XX/XX/2022 to Volvo Car Financial Services ( VCFS ). When I realized the error, I immediately called VCFS and the representative confirmed there had been 37 payments made ( 36 valid lease payments and XXXX mistaken extra ). My issue is that it has been over a week since that was acknowledged. I still don't have my money back. They claim they'd like to deduct end of lease fees from that amount. This is unacceptable. I will pay any legitimate fees as may be necessary. The potential for future charges does not justify VCFS holding money not belonging to them for an extended period of time.
01/27/2023	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account information incorrect	NY 10065	Web
Hello, I had a Volvo SUV that was repossessed in XXXX of XXXX. My automatic payments had stopped ( no one could explain why ) and the mail that Volvo Financial was sending to my apartment was not being received as I had moved. In either event, after many many hours on the phone with Volvo Financial, I was able to get the car back. I kept the car for the remainder of the lease, paid off the rest of the least and handed the car back to Volvo at the end of the lease term in XX/XX/XXXX. The car was paid off and returned to the dealership. There was no further incident. But my credit score continues to reflect an outstanding bill to Volvo Financial.
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11413	Web	Servicemember
My lease vehicle was deem a lemon by NYS lemon Law arbitration on XX/XX/2023. In the decision Volvo was to refund my payments within 30 days and my lease agreement was void. I have been back and forth with Volvo since then. They acknowledged receiving the judgement but would not do anything more. In the mean time Volvo started reporting me late on payments for XXXX, XXXX and XXXX destroying my credit score. I have submitting proof that I am not responsible for anymore payments but they continued to report incorrect information to all three reporting agencies. I have tried to get it off my report but has been unsuccessful even with the proof.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19151	Web
USC 1681, SECTION 602, I have the right to privacy. USC 1681, SECTION 604, SECTION 2, States a Consumer Reporting Agency can not furnish a report without my written consent. USC 1666B, A creditor may not treat a payment on a credit card account under an open-end credit plan as late for any purpose. Volvo the lease is over car returned XX/XX/XXXX and they are reporting late. XXXX XXXX XXXX XXXX XXXX XXXX, I paid the car off during covid and asked XXXX to remove such reportings and they said no. XXXXXXXX XXXX during XXXX I had arrangements and all debt is paid and they continued to report. XX/XX/XXXX XXXX XXXX
05/11/2019	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	CT 06830	Web
Over a month and a half after turning in the vehicle, I received a letter which incorrectly stated I had missed a payment and charged me for a payment amount which was inconsistent from what my actual monthly payment was. I was charged late fees and a demand to pay property tax with also made without any documentation as to how the amount was arrived to or details from the municipality. My account was also closed out, eliminating my access to any information pertaining to my lease. Furthermore, without this information, the amount due was reported to the credit bureaus as a liability.
02/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PR 00926	Web	Older American
Apparently someone used my social security # /credit information to obtain a new vehicle on XX/XX/2020 via Volvo Financial Services XXXX Said vehicle was apparently later repossessed and I'm seeing an outstanding balance of {$10000.00} charged against me on my credit reports! I opened a report # XXXX yesterday on XXXX and they explained to me to contact ftc.gov to report it also ( I HAVE credit monitoring, alerts AND freezes in place yet this still happened! ) I live in XXXX XXXX, I have at NO time lived or visited South Carolina and much less authorized or purchased ANY vehicle there!
12/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	CA 94804	Web
I returned my leased vehicle on time and was present for the inspection. 4 years later I discovered that there was a charge that I never knew about for over {$600.00}. I called Volvo and asked them to clarify the charges. They stated that there was a late charge, but the vehicle was turned in on time and they could not tell me what the other charges are for. I've contacted them 3 times to resolve this dispute and they still have not told me what all of the charges are for. This was reported to the credit agencies as a " charge off '', and is negatively affecting my credit rating.
05/12/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	FL XXXXX	Web	Older American
I have a 36 month lease on a Volvo sedan serviced by VOLVO CAR FINANCIAL SERVICES ( VCFS ) Due to the pandemic, my auto needs have changed. Today I attempted to trade my car at XXXX. XXXX contacted VCFS to get a pay-off of the lease. VCFS refused to provide a pay-off and told XXXX that they will only give a dealer pay-off to a Volvo dealer. Essentially, Volvo is preventing me from trading my vehicle at other dealerships and forcing me to go to Volvo and limiting my choice of vehicles. This is clearly a restraint of trade and a violation of the Anti-Trust laws.
10/09/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	OH 43214	Web
Final vehicle payment on account XXXX ( the only account I had ) was made for {$370.00} on XX/XX/23. VCFS reported a new account, XXXX, on my credit report, showing the same amount due. At no time did I authorize VCFS to open a new account. This has been reported to XXXX XXXX ( XXXX ) times in an attempt have the fraudulent account removed. I called VCFS and they could not substantiate the actions taken nor the amount " due ''. I received another statement for account XXXX dated XX/XX/23 and VCFS still can not provide substantiation.
04/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07302	Web
At the end of my lease I made a full payment to Volvo Financial for {$1400.00} under confirmation # XXXX for account ending in four digits XXXX. However Volvo Financial reported my account to credit bureaus as Collection/Charge Off despite receiving the full payment. This is negatively affecting my credit score and impairing my ability to secure mortgage financing that I desperately need during Covid. Despite my repeated attempts to have them correct the situation they refuse to do so.
04/01/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Loan sold or transferred to another company	TX 76039	Web
I have a lease with Volvo Financial. I want to trade in my lease for a XXXX product. Volvo will not accept a payoff check from the XXXX dealership. They will accept it from me, but not another dealership. They are forcing me to turn my vehicle into them, and incur end-of-lease charges and milage penalties, or trade-in my vehicle and remain in a Volvo. I can not afford to make the payoff myself, without the help of a trade-in process, which Volvo Financial is preventing from happening.
07/14/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	NJ 08816	Web
Have spoken with 5 separate representatives in regards to the return of my {$4500.00} security deposit. I was told this was 14 business days after lease turn in. Then, the next rep said 14 business days after Volvo closes the lease account, then it was due to a holiday. Come to find out we are at 30 business days now since the vehicle was returned and my check has not been issued as of today per the representative. Whats the hold up? I held up my end of the contract, why cant VCFS?
01/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NY 11216	Web
Both XXXX and XXXX are IGNORING my letter for more than A YEAR! when I ask them to VERIFY and VALIDATE an OLD account with an ALLEGED LATE PAYMENT that was verified as NOT TRUE with the creditor XXXX XXXX. the LAST VERIFIED date on the credit report still shows XX/XX/XXXX!!! or XXXX!!! I've attached copies of the latest letters that were IGNORED by BOTH! Also, I requested information from the original creditor VOLVO about the charge off and never got anything from them
09/26/2018	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 604XX	Web
I have a loan with VOLVO CAR FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and VOLVO CAR FINANCIAL with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 024XX	Web
In accordance to the Fair Credit Reporting Act. This creditor have violated my rights. UNDER 15 USC 1681 section 602 states I have the right to privacy. UNDER 15 USC 1681 SECTION 604A section 2 States A consumer reporting agency can not furnish an account without my written instructions. UNDER 15 USC 1666 B States A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
03/05/2023	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account information incorrect	VA 20152	Web
I paid my entire lease and have a letter from them that everything is paid but looking at my credit report it seems that they are saying that I did not completely pay or end the lease. How can I get this removed from my credit as the car has been returned for over 8 months and I have never been late on any payments? I over paid them and they sent a check last month for an overpayment of {$750.00}. This is for a lease for a Volvo.
12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA XXXXX	Web
In accordance with the fair credit reporting act XXXX account # XXXX with Volvo has violated my rights. 15 USC 1681 Section 602 States that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer report to furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account an open ended consumer credit plan as late for any purpose.
05/12/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	CT 06002	Web	Servicemember
Volvo car financial services sent my previous loan balance ( which I thought I paid off ) to collections. They were calling the wrong number to contact me. I paid the loan off in full once I was made aware there was a balance. They refused to work with me. It dropped my score by 100 points. They refused to work with me to rectify the situation. I have had four volvos and will never do business with them again. Shameful.
09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA XXXXX	Web
I am filling this complaint to XXXX for allowing fraudulent inquiry on my credit report and for not taking corrective actions on the unauthorized inquiry. As I checked my recent credit report, the unauthorized hard inquiry is still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
10/18/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Loan opened without my consent or knowledge	AZ 85017	Web
On realizing this item on my credit report I then tried disputing the item There was no investigation conducted on my behalf to protect my rights as a consumer. I have never step foot on the business premises associated with this account No papper work has been checked for signatures and no video surveillance of my presence in this institution has ever been conducted
06/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33137	Web
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft VOLVOCARLSE Account Number : XXXX This is not mine. 3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11530	Web
Returned my XXXX truck back to dealership and they sent me a bill for over {$2000.00} dollars. I have sent them several validation notices as I want to know a breakdown of these monies and what it entails and have no responded. Now they have charged it off and sent it to a collections company negatively impacting my credit.
02/10/2021	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	NY 11204	Web
I am writing today in regards to my lease account with VOLVOCARLSE account # XXXX. The reason for writing today is in regards to the late lease payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
05/03/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	NY 10952	Web
I am writing today about a vehicle I had with Volvo Car Account # XXXX This vehicle was in a car accident Which was declared a total loss which insurance paid out yet on my credit report it states I still owe {$1900.00} Which is not accurate. I have tried to get this resolved with Volvo direct without success.
06/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90003	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States \| have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
04/21/2021	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	CO 80904	Web
I paid off my 2019 XXXX XXXX in XXXX of 2019. I have been trying to get the title since. Its as if Volvo financial services took my {$63000.00} and have stolen ownership of the vehicle. I have made no less than 19 phone calls to this company. The people there lie, give false stories and are thieves!
01/30/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	NY 10977	Web
I was surprised by what I saw when reviewing my credit report, I saw a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe my payment to you were made on time like they have always been. My only thought that I never received a bill from you.
06/09/2021	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	CA 92130	Web
I returned my XXXX XXXX XXXX to the Volvo dealership on XX/XX/XXXX. Volvo Car Financial Services ( " VCFS '' ) still hasn't acknowledged this and has sent letters saying that I am delinquent and is making false reports to the credit agencies that my lease balance is past due and delinquent.
12/06/2018	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	NY 10950	Web
I was shocked when reviewing my credit report and found a late payment on the following date : 30 days late as of XX/XX/2017. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
10/18/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Loan opened without my consent or knowledge	NY 115XX	Web
I disputed this with XXXX And there was no attempt to investigate and properly verify this account with matching name and addresses phone numbers and presenting signiture signed documents from this deal. No thorough investigation was conducted to verify this account.
10/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60622	Web
XXXX XX/XX/19 To whom it may concern, Please investigate the following account for the following reason : Volvo Financial Services, Derogatory Mark - I paid on time but I'm being listed as 90 days late - It needs to update to paid as agreed Thank you -
10/23/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	CA 94619	Web
VOLVO XXXX I was never late. Payments were set up on XX/XX/23 from XXXX checking ( ending in XXXX ). Confirmation # - XXXX. Please review and correct my payment history right away!
02/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 752XX	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	TX 752XX	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11218	Web

01/19/2024	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	MD 20901	Web

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75206	Web	Servicemember

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75206	Web	Servicemember

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75206	Web	Servicemember

01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75206	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23320	Web

01/08/2024	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	MD 20878	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11230	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75039	Web	Servicemember

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75039	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75039	Web

12/30/2023	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 75206	Web	Servicemember

12/21/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	NY 12526	Web

12/06/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	MA 01603	Web

12/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11219	Web

10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 12526	Web

09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10706	Web

09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 98422	Web

08/22/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem when attempting to purchase vehicle at the end of the lease	MA 01876	Web

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77055	Web

08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 10003	Web

07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75206	Web	Servicemember

07/13/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	RI 02906	Web

07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CO 80138	Web

07/03/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 75206	Web	Servicemember

06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 45069	Web

06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60194	Web

06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60194	Web

05/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94610	Web

04/11/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 90038	Web

03/22/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TN 37062	Web

03/06/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MA 01225	Web

02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19116	Web

02/09/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	NJ 08046	Web

01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO	Web

01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10954	Web

01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10954	Web

08/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60659	Web

07/25/2022	Yes	Vehicle loan or lease Lease	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60706	Web

05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 45140	Web

05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	NY 11432	Web

05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92592	Web

05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98030	Web

05/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90212	Phone

04/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WI 53590	Web

04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 02554	Web

02/13/2022	Yes	Vehicle loan or lease Title loan	Incorrect information on your report Account status incorrect	MA 02540	Web	Older American, Servicemember

01/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 08852	Web

01/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 98030	Web

12/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91326	Web

12/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11235	Web

11/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70607	Web

10/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33137	Web

09/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33442	Web

08/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 22102	Web

07/23/2021	Yes	Vehicle loan or lease Lease	Getting a loan or lease Credit denial	MO 65714	Web

07/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21117	Web

06/16/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	TN 38117	Web

05/28/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	MA 02061	Web

05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 17325	Web

05/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33138	Web

05/15/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	PA 17325	Web

04/17/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem when attempting to purchase vehicle at the end of the lease	FL 33157	Web

04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27591	Web

03/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02420	Web	Servicemember

02/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MA 01952	Web	Older American

02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DE 19810	Web

02/05/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	PA 15228	Web

02/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02481	Web

01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34119	Web

12/29/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	FL 33071	Web

12/29/2020	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	GA 30350	Web

12/29/2020	Yes	Vehicle loan or lease Lease	Incorrect information on your report Information is missing that should be on the report	GA 30350	Web

12/29/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 30350	Web

12/05/2020	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	WA 98012	Web

12/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 17325	Web

11/11/2020	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account information incorrect	WA 98012	Web

10/27/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Personal information incorrect	AZ 85203	Web

09/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76137	Web

05/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10035	Web

05/18/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 30076	Phone	Older American

04/30/2020	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	FL 33186	Web

03/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33016	Web

03/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33016	Web

07/19/2019	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	MA 02061	Web

06/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91355	Web

05/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33169	Web

03/25/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem		Phone

03/08/2019	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	CA 91202	Postal mail

02/05/2019	Yes	Vehicle loan or lease Lease	Incorrect information on your report Information belongs to someone else	OR 97214	Web